actually like <P2>ezati</P2> said, eh you say I think , the main or like what most of us can do now is to earn extra in uh to earn extra income is to work part time lah I think something that some people actually like miss out on is that like we can actually start a small business like instagram business


using like your own skills lah but that is if you have skills lah so like use your skills to actually , maybe like my friend she can design tote bag so she made a business using tote bags or like, you know recycle items you out cycle them and make something new and then you


actually sell it online and, nowadays this like kind of home businesses instagram businesses actually is quite a trend like a lot of people buy their stuff on instagram so I think that's one way to earn extra income lah it's just that for online businesses I think you have to be good in marketing if not then it will not be that successful ya


ya yeah ya and I think like


marketing and branding is like really important lah and like you know those those instagram advertisement if you have the extra if like if people have the extra money I think that's the best to actually market it, and then like that's the way that they can earn extra income, other than working part time ya do you think what should


uh I personally I think yes but one one is enough because uh credit card, I mean like if you don't if you cannot manage your finances properly then it will bring you a lot of trouble instead of like actually helping you you know handle your finances I don't have a credit card so


I think it's not that I mean I don't like how to say, I don't have debt I guess because I don't use credit card I also don't have a debit card so like yeah it's not that hard for me to manage my finances because I only use like cash and my ATM card but then


sometimes like when you don't have money in your like you know your debit account or your ATM account then ya I think or like if you're you are paying for like, expensive things then I think yes you should at least like have one credit card but too much of credit card then later you won't have


enough , like you always you're you're in debt in debt in debt then after that later you don't have enough money to pay for it at the end of the month then I think it's very it's not healthy lah ya, ya !wah! true true ya


useless ah, ya only if like ya you are responsible enough then ya go ahead but if you


if you keep on spending too much on, stuff then don't lah, what advice will you give to someone in order to retire comfortably, uh, like I said earlier I think saving up from an early age is really important, and I think


it's a bit like unreasonable but you have to like really work hard during your the ages like the young age lah when you really can you just work hard and try to accumulate as much money as possible so that you can have like a lot of savings and then uh ultimately you can be you are able to retire comfortably


I'm single right now not married or anything so I for me that's something to worry on in the future but if I would think of right now I think I would start like, , uh investing for my children early


ya, then after that I will also like all the money that they, get you know from from aunties uncles and then personally I will also chip in my money for like the trust account their savings account so that it's easier for them then all their bursary money all their scholarship money all


are going to that savings account so when like they are older maybe they want to enter university or something then they can they can use that money to enter or maybe like if they have no money they need money then they can use that money too actually , pay for their stuff


then for investment uh and insurance and investment also lah, investment maybe when they're slightly older then I will start investing for them but for insurance also I think it's good to start at an early age for them because


, then you know your education and then your health you know is like you feel more secure and like for your for the future of your children so ya that's what I'll do and <P2>ezati</P2> handle the money ya twenty minutes


part three negative experience


uh well I I I also have like I don't have a biggest pet peeve but what I can think of now is I don't I really really really don't like drill drill sounds especially when it disturb my sleep drill ah ya


ya like, because of when I sleep right I don't number one I don't like heat number two I don't like noise so if these two like like interferes my sleep right I really get like very annoyed and then in terms of like others personality I think,


arrogance and maybe rude I really don't really really don't like people who are arrogant even though I have a resting bitch uh resting uh face right ya ya I'll be uh ya I have face that people don't like


I wouldn't and then I mean if someone approaches me I wouldn't like brush them off or you know yeah but you know when people outside there those okay sorry lah but like those guys I guess they walk like gangster like that then, ah ya


ya I don't I don't really like that or like when people, rude lah I think, uh one thing I can remember is like you know when when, uh my classmates or friends are rude to teachers I think that's what I don't like, because like ya ya ya


recall a scene from a movie that made you cry in sadness for me uh out of all the movies I watched one that I clearly remember is from a movie called aku tak bodoh it's actually a malay movie about uh, if I'm not wrong is a father's sacrifice for his son and also like other parents like sacrifices for their children then


I think the last scene really made me I don't know why but I remember me and my younger sister were like crying really really badly and that was the first and last time I actually like really cried so badly, but I think if I'm not wrong, the father the father passed away I think


ya so like it was really sad then, , ya there was there was one, movie that I actually remembered uh the scene that I actually remembered lah, cause I mean I didn't expect to the father to actually passed away if I'm not wrong the father passed away someone passed away ya


for you ya


uh what I dislike about the older generation, would be to me the they're, okay I don't know the noun for it but they're ya they are conservative and , like what you said just now lah I mean, of course like we have to when they don't


actually try to open up but I don't blame them also because they are in like their old age and honestly, I also don't know what will happen when like I grow old I don't know whether I can actually accept like new ideas and stuff like I get where they are coming from but I hope that uh I mean that's what I dislike about them also lah because they are they don't they don't they are


out outdated so they actually like stay with thier their ideas from the past and personally for me that's my father lah because he's actually quite old then he he has a few ideas, uh like very outdated ideas or like conservative ideas so he don't he doesn't actually like open up to me I guess so for me when I actually tried to like you know do things at where whenever I try to do things I always think like oh will he like it will he not will he approve of it will he not so like yeah what I dislike about the younger generation


I don't think there's anything that, I dislike about the generation I mean for me is more of the people itself lah for the younger generation ya but


to, say I mean like just now what you mention rude I mean that's true also, uh some are rude but again uh there's a lot of them who are actually quite, kind also, so I cannot really like pinpoint certain stuff that I dislike about the the younger generation it's more of the people


uh yeah it's not the batch the generation itself, ya, talk about your worst travel experience, uh for me it was the worst but it was the best also to me lah it was when we went to hanoi


for a school trip and then we actually stay in rural rural areas so there was, uh it was really a Kampung style uh stay because I mean we had to go to the rural areas to teach the children it was really really fun I really really like it and it was for two weeks was way like you know no no


handphone it was just really like communication uh not saying no handphone entirely but like you know most of the part we are at the coffee shop like talking to each other playing games in the bus singing songs but I would say it's the worst also because there were a lot of unexpected problems that cropped up so like


for example like a drunk man actually try to uh come into the girls' dorm and then there was just really a lot of problems lah and I really respect like the leaders who actually led us during that trip and then there were like money lost all these


uh that one I'm not sure if is confirm or not but yeah it actually delayed like our entire trip, and I mean, it is the worst but it's the best lah I will say yeah, what about you cockroaches uh the drain ah uh you have to have water yeah yeah


for me I wouldn't say that like you know the toilet part because I have a village and is like a village really village village so it wasn't something that I couldn't adapt to because that's what I already experience you know bathing from like, I wouldn't say a well but like a tub like using the thing ya and like you know living with chickens and cats and all these in the like forest ya so it wasn't something that was new to me but I really


I mean it was worse lah that my Kampung I would say the flush the the flushing okay my Kampung also don't have a flush but at least like there's running hose you know but over there that you have to literally like save water like from water bottle or something to wash ya


that's a bit but I mean ultimately ya yes, dispose uh ya


and also got dogs and I'm scared of dogs so like ya, okay next uh describe a time when you feel that nothing you do is good enough, uh you want to start first <P2>ezati</P2> for me nothing I


because I'm generally I would say an optimistic person so like I see the positive in everything I don't really think negatively or like you know like cry or something but like, and ya I also think


there wasn't a time where I've, felt like, I didn't do anything good enough not that I can think of right now cause like I feel like I mean everything happens for a reason, they think, you are not good I mean I don't think I'm not good enough I guess like I mean


ya ya because I'm not someone who like thinks deeply you know I like think on this surface it's good but it's bad at the same time, not not saying that I can't like you know have deep conversations with someone but it's just that I don't really I don't really delve into oh why leh like really deep into why this happens oh why this happens so like okay lor if that happens and that happens ya so like I don't really like oh I'm not good enough


or like you know, like ya push myself down just because you know I I did something and then, ya, I don't think that has ever passed my mind like you said, but if like


maybe maybe when okay no lah I don't think so lah it's just that when like maybe people scold me or something then I feel like oh not not saying I feel don't eh, nothing I do is good enough more like, I guess I have to do better lah after this


ya then describe the, embarrassing moments that will make you cringe, uh, I don't have I mean I cannot remember I cannot think of anything right now I think there are a lot lah of embarrassing moments and okay one that I can think of now is when we are in school and then I wanted to play a prank on her on you


then after that , but I accidentally like uh did it to someone else ya surprise someone else, which wasn't expected eh wait it wasn't you it was, the other friend ya ya


I think that was one embarrassing moment and then you just keep on laughing at a distance so like ya I know about you, uh true uh ya ya (ppc) for me


I'm never actually experience any loss in my life, so uh because my grandparents also they passed away when I was at a young age so there wasn't anything for me to feel and then thankfully my friends and family are still around, now so I have never experience


any loss in my life but if I think if I were to, !aiya! I can't I always actually like you know imagine what will happen in the future if this person is not there because you never know what can happen I think honestly I would be like really devastated really sad


but I I I also don't know how I will handle it in the future I don't know whether I will be strong or just like breakdown you know but is it's something that I don't want to think about lah I mean I keep on reminding myself about it but, you know I don't I mean, the fact that I keep on reminding myself about it I think it's good lah because then like


I'm grateful for you know my friends and my family's existence this point of time everytime they everytime like I fight with them or you know I have a disagreement with them I keep on thinking about this oh what if I lose them what you know because when I see all these stories about oh I regret not doing this I regret not doing


that ya so like as much as try to fight but I mean, I mean as much as I have to fact as much as I fight like with them or something I try to think of this ah what if they are not in my life, ya, have you ever been ostracised or felt ostracised recall the experience and describe what you felt


to me honestly right I think everyone in this will have at least once ah, let, have been ostracised or felt ostracised especially like, you know when you are a third party you are third wheel to everything all that and all number of people then like there's no doubt if you are not close with like one of them then you will feel left out I can't think of


any , certain events in my life of me being ostracised but I know like it has happened and honestly when I was young I think I did also ostracise people which I'm not proud of but, but it was something that


I think it was I was just immature lah so you know like oh I don't want to I don't want oh this this girl is like also I don't want them to join in my group but I mean for now, or I don't if he do it lah ya ya twenty minutes


part two positive experience, ya


for me like uh she said just now acts of kindness make me smile because like honestly to me is not rare lah but like it's rare to see people actually like openly doing acts of kindness you know like even saying like a small gesture of thank you to me like I really appreciate that ya then


some other things that make me smile is when other people like appreciate what I do and like maybe they give uh small compliments or something then I think it's really something that actually make make up your make your entire day and other like very


, redundant things I guess who'll be like I mean watching shows uh, it makes me laugh like it's one of the ways that I actually destress because you know variety shows are always really funny and they made me laugh


from making me smile, think maybe like the little points in my life where I actually achieve success then those are the things that actually make me smile, for you yes chain uh uh uh


what are the sacrifices you've made that are worth everything, that's worth , for now I can't really remember any sacrifices that I've made but maybe one would be because


before I entered, , tertiary education I actually wanted to NAFA uh so but then I didn't, okay I wouldn't say it's a sacrifice but maybe it's a sacrifice like I sacrifice my art path to go into a design path instead so I think I mean it's it's not a huge change per se but


there's actually like a difference between the two lah and like you really I really have to like adapt to the design part and not like you know think very like liberally or like you know be more free in terms of like art, then I have to like actually follow a structure a like a design structure


, sacrifices in terms of what, , non like personal one I don't I can't remember any huge sacrifice that I've made what about you, ya uh for me


the best movie or TV shows uh honestly I don't really watch movies except for like when people actually like you know eh let's go to the cinema and watch movie but personally on my own oh wait unless it's bollywood movies then I actually watch it like on my own lah


but to describe the best movie uh I don't have a favorite I actually like, uh like all the movies that I would okay not like alll lah but like, ya I don't I don't really have a favourite because I don't really watch them often also for TV shows uh mostly now I only watch like uh korean or like chinese dramas it's all like and variety uh korean variety shows so


I would say, I don't have a best one also because all of them like made me laugh all them made me cringe, they make me feel like all these feelings and like ya I don't have a best one, but, one that I recently like would be


the recent, korean drama which is like it's okay to not be okay I think that one is really nice because like it shines a light on mental health and the acting is the acting and the, cinematography is really really very nice and because like I'm a design student which actually like


you know I actually do film also then it really uh like makes me like take note of everything that is happening on in the movie lah in terms of the way like the camera angles and all so I really like to actually like dissect the you know what what they do in each scene and


uh today also I watch, and it's in so I like I know what's happening and it's really really good lah I would say the acting, true ya and also like


I mean on instagram you see people sharing about like all these mental health awareness but I don't think people actually take the initiative or take the effort to actually know, more about like all this mental health and like a lot of a lot of us are actually ignorant about mental health so


I like that about the story lah, what are the three things you have in common with your best friend or, partner , I think we have a lot, like I can't now I can't pinpoint, uh like certain stuff because uh we've been friends since uh


secondary school sec one so now it's been, sixteen seventeen eighteen, ya around seven years, and, I think there's too many things lah that we okay but, three things I don't know ya true ya ya correct ya ya ya ya


for me one place uh, if in singapore then I think , the library is actually one place that I love to visit because it's really quiet and I like to read books also so like you know I can spend one hour or two hours just walking at the shelves in the library trying to find books or like sitting in the library and uh reading books


but , one place that I would love to visit honestly I don't have one place because I love to travel I would I love to travel and like you know learn more about the cultures of other people so I can't if people usually when people ask me oh where you want where would you like to travel


I cannot I cannot just say one place because there's really a lot of places that I would like to go it's just whether I have the money or not to but in the future I guess maybe if like I have a husband or like uh if with you you know can go like travelling yeah and like, go honestly my wish right is like to


what you call that you know the the caravan, uh but iceland also, ya then like you travel around the world but that one is a bit hard lah so I guess for now take aeroplane go somewhere ya but iceland also like I really just want to go everywhere lah and honest uh for me I like to go I would want to go to places that people don't really visit


like, like what you say iceland finland or like uh all these very rare places lah, ya, uh ya like road trip but that one you have to be street smart cause you have to like survive outside


ya close friends lah deep deep well ya


actually uh those were the chasing that I wanted to mention like ya I mean, friends and family that one you cannot you can't say anything lah because like they both uh have both parties did like your friends and your family they actually like make a lot of sacrifices they they when you need them and


honestly I can't imagine myself like without friends I don't know how it would be like in a world without friends it will be like so lonely and then like if you want to you know all these like , miscellaneous or like you know those like small small things in your life like you can just like !hey! !hey! <P2>ezati</P2> uh this this this happened to me but if you have no friends then it's really you like you keep a lot ya like you bottle up a lot of like like your feelings lah not saying that if you have friends you won't bottle up your feelings but at least you have like


an outlet to vent like you know your anger or your happiness, and then uh family also because, I mean daily with you every day, so like everything they know everything about you, then , and they also sacrificed a lot for you and then if you like if you need someone you know that your family will always be there for


you and then, the other the last thing would be I guess I'm grateful for myself lah because like what else is there, grateful for myself, like she said I mean, it's


been it's not easy growing up, you know there's a lot of challenges sort of , things that you have to go through then like the fact that you know we actually made it through until now like you know you know you, usually like daily daily in your daily life you think about this you think about that but actually like eh you will get it you will get through it in the future like you know you


this will this will pass so like ya that's what I'm most grateful for lah what are the three things you admire about your best friend or partner


for me oh yes oh last lah still got last ah, okay uh what are three things that I admire honestly the first time I see her like I thought that uh you were really very responsible and like uh caring because I'm eh eh thoughtful okay I have three already but at like this all all of this is in one lah I would say because I'm honestly never seen someone as thoughtful or as


caring as her you know I remember when like we were in secondary school, even opening up my locker she would want to help me to open the lock so I was like ah what's wrong with this girl but it's actually like just you yourself you know and then the other thing is that uh I would say your like you know what you want your firmness


in like your everyday life not saying like, firmness in how to say ah like , ya lah you like very firm lah I mean if you really don't like them, of course you won't like express in front of the other person but like, you know you will be like eh I don't want this I don't want this I don't want this


ya then the ya you know what ya the other thing I admire, I guess her uh passion or determination to work it uh to work to wherever she wants to go in the future, I mean ya


cause like you're pursuing bio-med so like can really see your hard work that uh uh for like the path that you want to pursue in the future lah, ya uh


uh validation lah,


what I love about myself ah I love most about myself oh , I don't know I love everything I can't I don't know oh my uh twenty minutes


part one finance, uh kay savings account I have I don't have a savings account I've got two savings account


uh, I just recently opened one uh one another savings account because I realise I've been using that I've been using my, first savings account too much, so, how about you you you got a savings account


oh my first account I had was the POSB kids account you know that kids account, that that one that was a, I I noticed that that savings account eh I I noticed that I needed to get another savings account because I kept on


you taking money out of that savings account to the point where sometimes when it doesn't become a savings account anymore lah , , so so recently I opened up I opened up uh OCBC franks, account uh one reason was uh


one reason was someone uh I got a recommendation from a friend he said that, uh one, the interest was a bit higher compared to POSB, and two


you know you know the situation where you want to withdraw money from POSB but there's no POSB but OCBC, ATM, ya that that's another reason why I, uh open up another an OCBC account lah


how about ya awesome, no no it's okay next question let's go


okay I have the same debit card POSB passion card debit card it's a Mastercard, sometimes I feel like that debit card is a curse, and ever since I got the debit card the spending, the amount of spending I have made online


die but, one good thing is it's uh it's very easy lah this debit card like, it's it shares the same features as credit card, but instead it uses the money, inside your account so


rather than you know you share the same features as the credit card then you just, pay pay pay pay pay then every month you cannot pay die, so okay lah debit card, you know certain certain situations where you don't have to


key in your pin number all you need to do is just tap, tap and go, and situations where you can actually link your card to your phone so you if you didn't bring your card like I have in many situations, you know left my wallet at home at least I can use my phone for many different purposes and I can use a card for debit card for uh


EZ link card can use it, to pay for stuff so ya it's at as much as it, it allows me to spend a lot more which sucks because I want to save, but it makes things a lot very a lot useful for me


to for my everyday life, credit card I was actually tempted to apply for credit card you know the you know the have you seen the Instagram advertisement for the DBS live fresh for students, ya they literally trying to get students to


apply for a credit card which is quite risky actually, but, I read I read that it said, uh, month uh my the monthly monthly limit that you can spend is five hundred dollars


no there was no cap for students ya, ya for students there's no cap, ya it's just uh you can only spend five hundred a month that's it, but the cashbacks are all, !oho! not bad kay next question


do you think couples should combine their finances and open a joint account, if you have a joint account with your partner share your experience and details of your joint account


I knew you'd say that, okay uh, couples combine their finances and open a joint account, on okay I think they should only start doing that, if they are


getting engaged or something, like you know like okay lah in malay ah malay malay culture, you tunang first you get engaged first, and then that period is when you start saving up together for your wedding and for your future


so I think that that is the only that is the, uh, more realistic time for you to open a joint account


for me I I think if you want to make a a joint account it should be one separate account, like so basically right your partner has one account for herself her personal one, you have your personal one and then there'll be one like shared one so for example you both get a car


that you use your joint account or if you get a house use that joint account, so like what I would do is every month we agree on a certain amount of money that we would


us both use on a personal note so like for example I I want to buy a microphone I don't use the joint account I use my own personal account, like I think it like for example it like your situation like what you said I think, what you're thinking is a joint account is literally one account you both use like that


uh, I think a joint account would be it will make more sense if it's just, for for situations where it affects both of us, uh right (mmhmm) I don't


to be honest I don't I don't really understand what that question is, , should we should we proceed to the next question instead, okay at what age ,


okay I I'll I'll start with a question <P2>sham</P2> how old were you when you had your first bank account, okay I was what I think I was nine


like my dad opened up a child account like a trust you know a trust fund or a trust account or something like that ya I don't I'm not, not really that sure uh, then uh because, I when I was young there was some there was some opportunities for me to earn some money


and instead of my, what my parents did was instead of them keeping that money at least I have, somewhere to put the money in, uh, uh how how old were you when you got your ATM card


got my card when I was, I can't remember the age but I was sec two, and I think sec two would be a good, time to have a ATM card just an ATM card no no no stupid stupid debit card all, just an ATM card


so let's just say ah in situations where, my kid is stuck somewhere with no cash, hello daddy, uh can you transfer me some money I got no cash I'm stuck here, I bank in blah blah blah blah blah send


cha-ching uh eh plus, it's also okay ah, it might not happen but let's just say our the child is disciplined enough, mature enough, and can actually start its saving up


at the age of sec sec two I don't know what the age is I forget, then like you know ya fourteen around there, because, uh like there are situations where kids you know piggy bank, put inside a tupperware coins and all I have but I don't know I I keep on noticing that it's getting the amount of money is getting smaller not bigger


so that's a problem, but, it's a good I think it's a good situation for it's a good, fourteen fifteen that's a good age for them to have a ATM card know for safety purposes and for their own savings all


because when it was back when we were fourteen fifteen it was all cash, okay next question, cashback points or miles which types of credit card do you think people should be using, !huh!


cashback <P2>sham</P2> have you had situations with cashback, oh because I I I remember somewhere I had a cashback situation


uh I got twenty eight I got I spend what two dollars eighty and I got twenty eight cents back, , I can't remember when ah but I know, I suspect ah, I want to check on my phone but I cannot check on my phone at the moment


okay Grab, Grab point Grab points Grab points, does Grab points count , okay alright let's uh let's proceed to the, let's proceed to the next question


uh okay ya sure why not what is your experience of purchasing insurance products from banks if you have such experience share the details of the insurance products that you bought from your bank


how many times have you been stopped at MRT stations by these insurance people, (hmm), almost every single day sia


uh AIA Prudential, nice


Prudential Prudential is usually by, uh it it Prudential if I'm not mistaken is under UOB, it's with UOB, maybe your mum got it from her bank is she a maybe she's under UOB, but for me my one my my dad got me insurance


from AIA, and literally I have I do not know a single thing about it because he handled it himself, , my one the total opposite of you so it's for your mom, she literally dump everything on you like for my dad he he never even told me ah it's very all secretive


ha, okay then you know let's go to the next question you want to read out, number eight ya


I think there's a typo we think it should be investment products, oh wait I'm reading it I'm reading now ya you should okay never mind that that's not the topic, investment products right ya


investment products oh my god, not yet but let's not skip this question what what would you invest on


property maybe uh maybe uh stock or stock share or something like that, ~know maybe a company


okay I can't share my own experience cause I got no experience, because I got no money , but I've had I know a lot of I know one person, uh he invest in property know, uh he's got like I don't know six or seven properties under his name


and one of it he actually sold off and he got, quite a lot of profit actually, uh so maybe maybe that's a good, a good uh way to profit, so you buy like a development property, and as it develops gets more expensive


and you poof sell off but ya ha ya I think, to think about investments now, , we still haven't go NS


ya boy boy only [ho]


oh that's a tough topic sia, okay


zero point zero two POSB


for me simple bank dangerous yup let's go (ppl) (ppb)


part three, negative experience, ha


!wow! what is your biggest pet peeve, so <P2>sham</P2> what's your biggest pet peeve, , kay I'll I'll go first, my biggest pet peeve is, uh


not not trying to understand people before scolding them, like especially when you when, it's not the person's fault you know, uh okay for an for example


uh I'm helping out someone, to do something and, I I it was very last minute and I do not know what what they want me to help how how they want me to help , so I do it my way and I get scolded, and that sucks I I just


it it annoys me to the core and to see it happen to other people also


okay uh you wanna go first


uh I know this one movie I can't remember the title but, the scene is okay so basically there's this uh family, and her daughter, is, sick dying from cancer, and


her mum has been pestering has been making her life miserable because not not making her life miserable because she don't like her making her life miserable because she wants her to survive so like you know, constantly asking her to stay in the hospital, taking medication cannot go out cannot go to the beach cannot go this


and then there's this one day where, she tells her dad that she really wants to go to the beach because she she hasn't been out for months out of the hospital, and, the mother the mother will not allow because uh the mum think it will be dangerous lah she's got cancer and stuff


and she's dying literally dying, so the dad went to the to the the doctor and the doctor said, at, it's going to the beach is better than keeping her inside the hospital, at least she at least she'll enjoy


so, her dad took her away from the hospital, brought her home and ran into the mum, and the mum started to scold the dad like why is she not in the hospital, and then uh


the dad said that she wants to go to the beach then her mom started, to scold the dad like crazy blah blah blah blah blah, to the point where the dad just got angry and said ah, we've always had it your way, she wants to the go to the beach she's going to the beach


uh you're you're gonna come along if you don't come I'm having, I'm getting a divorce, then like damn he's he's willing to fight for the sake of his daughter, then the mum started hitting the car going crazy and all


that that scene just like, shit, bawling sia the whole to be honest ah it wasn't just that scene ah it's the whole bloody movie lah, !huh! okay describe what just like


one thing I don't like about the older generation is they like to step young the one thing I don't like about the younger generation is they like to step old, no no like, you know you know younger generation when they're like step like in


uh you have to you have to gain my I have you have to respect me also uh, just because you older doesn't mean you guys are blah blah blah blah blah when actually to be honest bro, we are older we have, been through more than you so shut the hell up, it's like damn just shut up bro


then for the older generation, like sometimes, I don't like how when, they ah okay I don't like when they always think it's still nineteen seventy five, or it's still two thousand four or it's two thousand five dude it's twenty twenty times change


get along with it so for example uh kay money, sometimes the older people, uh when we talk about the money we spend


then they will like ah, you can't survive what one day with ten dollars last time I one day five dollars, ya last time when , two thousand four two thousand five, back when a drink was a bottled drink was seventy five cents bro now bottled drink two dollar bro


between the ages of twenty to forty you agree, ya ya ya ya, right


we need a time traveling machine, okay talk about your worst travel experience, honestly all my travel experience has been good, ha I rarely I rarely have a


worst travelled no ya, as in you travel overseas lah ya why you, I I don't know, is it travelling overseas or


ya travel overseas (hmm) travel experience


all my travel experience has been good, travelling is good if travelling is bad , then you're that means you're just miserable ah, ya , people travel cause they want to have fun no not travel because they want to go sad


and he's back, okay , okay let's move on to the next question because I feel like this next question would


suit both of us describe a time where you feel that nothing you do is good enough, ya ya


moderator are you a counsellor , (ppc) okay ya , one time I felt, that I wasn't good enough, is


uh, okay so basically everything I did I was always scrutinised okay I was a vice president of, our CCA okay and, every single thing I wanted every single thing that I thought, was good for our CCA was overlooked


not even considered, to the then, uh after everything that happened which I'm not I will I will not uh say much uh, so technically at the end of day they kicked me out uh they kicked me out of my position


and then uh, uh this they kicked me out despite everything I've done for them I've sacrificed so many things for them I've done so much, uh just because of a few months where I went holiday then they like not happy, then uh when I after they kicked me out


the worst thing was uh, suddenly they nobody they didn't know me like they see me outside not even a hi not even a this like, so what I'm not even good enough to be your friend, I'm already not good enough to be your vice to be a vice president in your in the CCA


and now I'm not good enough to be your friends like, it hurts man it hurts, to the point where I hated all of them


my performances in year one , looking back at my shows in year one, damn I was a, I was a bad I was a bad sia why would how how did I even get accepted into the CCA [siol]


ha kay, I need to think


uh one thing one thing about us is when we do embarrassing stuff we laugh at it instead of, err


okay ah embarrassing moments that makes me cringe is when I see, uh, uh uh young people who think they are, old and then and then they get caught


then I'll be like ah you, oh no you know you remember that I uh video the, the girls step like gangster then they send online, it sucked bro I cringe at that bro


okay please, describe the moment when you feel like the world is against you, two moments for me, two moments for me was in ITE


my classmates, and another moment, was ah after


where I felt like ah you know what, the whole CCA is against me there's no point I be here I'm just gonnna, just gonna screw off get away from you guys


what is the most traumatic incident you've ever experienced in your life


uh traumatic incident, okay ah family fight, uh a very bad family fight I won't go into detail err


it’s just very everyone got, against each other to the point where, it felt like each of us we're not in the same family that's it,


have you experienced any loss in your life if you have, describe your emotions at that time and how did you deal with the loss


uh I you know what let's skip over that, have you been ostracised or felt ostracised I what is ostracised, , what disgusts me


uh disrespect (ugh), that one literal disgust ah uh greatest fear greatest fear greatest fear uh


losing people losing my parents uh ha uh, not not every muslim people are terrorist okay done


share about the time when your best friend blah blah blah da da da da yeah (ppl)


part two, positive experience, so <P2>sham</P2> what are the small things that makes you smile


[ho] ya ya ya ya I know that (hmm) that that


actually that that would be a good, that makes me smile also sia you know when you just go see someone eye to eye contact just like sup, that is like, like dang I just made a friend but I don't know who you are , small ya


then I think another small things that always makes me smile if is when I see, uh you know when you, when you see someone help out someone in need right, then you're like damn


there is some good in this world, , it's like you know good good things happening, kids small kids makes me smile, but at the same time they make me want to throw them inside the dustbin also


ah, actually one what I think one uh


a sacrifice that would make worth everything is uh, time and effort for example, uh, school school can be an example, the if you know we, uh


ITE , and let's be honest ITE wasn't smooth sailing, , there was a lot of drama there was a lot of studying there was a lot of pain, and, I don't know like, sacrificing all that effort right


know going going, through going to school everyday, not looking forward to the school, but you know just sticking to it , and then graduating, you know when you shake principal hand then you take the cert


ya bro look at where you are now man, dude , damn it, ya okay you you you start I got I I gotta think man I got a lot of movies bro inside my head


ya yes I know otis otis !huh!


ah ya actually she does uh what's the actor what's the actress name, , kay that one away from topic already ah , , so you want TV show that I would that I like


has to be friends ah friends and how I met your mother, but it's it's not it's not really the, the story of the you know the main topic of the series that, made me like ah damn, it's okay what are the thing the the thing that has both that


has in common with those two TV shows is, how strong that group of friends are, and like that is something I want and know, have this group of friends and then just


stick stick together until, we grow old it's cute ah that one sounds like relationship sia, , until we grow old bro what to grow old bro, okay


what are ah what are three things you have in common with your best friend or partner, , let's stick to best let's let's stick to best friends for now, ya sham you start are we best friends


are we best friends , ya, our education technically we went through the same route


ya, , oh man bad story


ya also actually , well we also have music, ya okay


what is one place you love to visit bro and why, okay uh, one place I love to visit is has to be Perth


has to be Perth Australia, I lived there for four five years, best four five years of my life, uh, plus I got great friends there, my sister's there, oh the weather is perfect


oh man the weather I see ah everyday I smile bro, !wah!, (ppc) the people there are awesome they're super nice, people there like, you drive you you know make a wrong move in the road instead of they pointing the middle finger or what at you


they'll be like, oh sorry stuff like that, if you make mistake you make mistake you say sorry ya that's awesome about there, everyone so chill everyone so nice, so many things to do the beach is awesome


so ya it's just the hope and everything's everything's so chill, like you see you we're in singapore right everyone's rushing want to go inside train also we run like crazy, so over there is just so peaceful you you you should go there one day bro you should really go there one day


, ameen wrong


you you don't go you don't go overseas often right, I think it's the fact that, ya the fact that you are away from Singapore that's why you are just over the moon,


we are the @pulau ubin@ of all the other countries, okay so , uh what was the question uh what are the three things you are most grateful for in life, ah sia


three things that I'm grateful for okay one, time grateful for time, any time we can get any free time we can get you know how how rare free time is nowadays right, especially especially this past few this past few weeks for us


we we we see once we see each other like once every few weeks now sia rather than literally everyday last time, second would ya, second would be family, you have to be grateful for your family man


!wah! they don't they they don't last forever, especially your parents, that's uh, you have to cherish them bro cherish, they may be assholes but cherish,


I wanna say friends because for me ah, uh I have, a a, shit load of oh damn uh load loads of good friends, like, friends that I would cherish lah


bro, and you know to make sure that I keep that relationship with them, uh to me it's important to me that I keep a good relationship with them, so I feel like that I'm grateful for them


grateful for you bro , yeah bro how about you my brother


what's with your accent


dumbass ,


all all those little things ah, , okay (ugh), well, what are the three things you admire about your best friend or partner


okay partner uh , one thing uh she is very disciplined, very disciplined like she


when she keeps when she, she has something she wants to work for she'll do it, and another thing that I admire about her is , she rarely she rarely thinks about herself, actually to be honest I don't admire that about her cause sometimes I want her to think about herself


but, she thinks a lot of other people, dude she's she's currently in this she the amount of money she spends on Grab right, every everytime she spends on Grab she will donate a dollar to an a charity or what I do not know


which people would would I don't do that, do you do that yeah so and, another thing that I admire about her, is uh she's just


she's a people's person, uh she loves everyone bro, she no hate hate hate not in her dictionary bro, , all about love


oh eh eh eh eh eh eh don't eh don't eh don't eh don't eh, not enough sia , if I if I if I say that I'm gonna need more than the four minutes we have now


if I go in deep, Diam lah , next question oh wait no uh your turn what do you admire about your best friend


bro making me cry making me cry bro uh you're making me cry bro, , okay now next, oh wait oh one more


, damn bro you're going to make me cry like this man it's a survey man , , describe your favourite activity to unwind and relax


unwind and relax ah you take this one


that's what I want our future to be like man after work eh bro Kedai Kedai Kopi [pe], uh go Kedai Kopi we don't we we muslim we don't drink beer we drink coffee, uh the coffee, talk cock sing song then go home


okay ya lah, as much as we make fun of #ah peks# ah we want that lifestyle bro, uh ah ya ah err nothing nothing


okay uh proudest moment oh a time you laughed too hard, , honestly anytime when we hang out lah sia, every time we


we'll always have something that makes us laugh, zero , until now also sia I laugh ah good times good times you've got the good times


part one finance, okay so question one uh <P2>farid</P2> you go you wanna go first do you have any savings account


uh


yes I do have a savings account and the reason why I use this account is for me to manage my own finance and growing up I need to learn, ya uh what are the names or the features of the account what does that mean ah


this they put there share your experience and details like name and features of the account is it like you know DBS savings, (mmhmm)


(mmhmm) okay franks account okay ah ya same


okay uh


yes competitors okay interesting uh, uh okay next question uh sorry what uh


, uh okay I'll go first for this ah do you have a credit or debit card if so share your experience name of the card features blah blah okay I I do not have a credit card I only have a debit card uh once I open my bank they give me a debit card so that I can you know manage my transactions


, name and features of the card I features of the card , basic features yes everything can do uh also uh passion card member so that's a little bit of a you know a boost uh


uh if I do not have a credit card because I don't think I can afford one and I didn't think I need one ya that's it alright what about you, (mmhmm)


yes yes yes, ya


but there's there was uh cap to it right you need to earn like what ten k, annual fee or something meh okay, interesting okay cool cool cool


you wanna go first you have a partner,


(mmhmm), yup okay


I don't think it's a good idea even at the start of a relationship or start of the marriage this is basically because, we need a peace of mind you know like for example for me I don't like when people know what I spending on uh it's just I just need my space you know sometimes I spend on stupid things and I don't want people to know so


at least uh the first few years of getting to know her uh because you never know if things will actually work out you know things might go well but then in the end maybe she'll uh you guys will separate or something so once you guys separate it's going to be a lot of a hassle to you know uh


uh get rid of the the bank account or something so ya I don't think it's a good idea


so it's like a


eh ya right I


yes yes interesting next question do you have a high yield bank account or fixed deposit if so share your experience and details of the product I have no idea what this means, uh ya how ah


ya sure no problem at what age should a child be given an ATM card to manage their own bank account if your child has a bank account share your experience we have no child you want to start maybe you will have a family sooner, (hmm)


I was seventeen because I started working so I needed somewhere to store all my cash, ya it's quite an old age what about you


oh yes sure ya just (uh huh),


, I got my ATM card the same thing at seventeen but I I don't think it's a nice age, for oh wait I think it is a nice age for children to have a a card because uh for example if I were to get the same like bank account and the same card at thirteen


I think my whole bank will be empty right now because I was really you know young and I didn't know how to manage my finance well so given that when we are seventeen we get to you know uh get into the world and start working so we get to manage our finance properly


then ya I think seventeen will be a nice age for someone to be you know given the next stage, to actually have a the card to yup


fourteen


ya actually uh just touch a bit uh I think now times have changed and uh I do work with colleagues that are fourteen years old so, maybe uh ya so maybe now that times have changed uh we should you know give the benefit of the doubt and start letting them learn how to manage the finance earlier uh ya fourteen will be a nice age as well


okay next question yes exactly there was not much you know uh you wanna read,


no idea when to get cashback I don't think I had cashback in my life maybe credit card stuff lah this one


what is that NTUC ah, , points or miles miles actually I have no idea what miles is like


in terms of I guess uh she's nodding her head ya sure you wanna read,


plenty almost every time, uh, exactly but I didn't buy uh an insurance from my bank it's a different you know insurance company uh


uh like for example mine mine is a Prudential yes and I didn't even sign up it was my mom who signed up for me, and uh it was kind of annoying because uh first of all I didn't agree and they keep calling me instead of calling her because it's under my name so not really a pleasant experience because you know I don't want to be involved but


ya I don't really know the details like how much and stuff so what about you, oh, okay yup


probably (mmhmm)


ya cool, uh which one is uh eight is it


uh what is your experience of purchasing investment products uh from banks if you have such an experience share the details of the insurance product that you bought from the bank, uh, it is investment products oh wait ya insurance ya


ya the the second one should be ya actually it is a typo but never mind lah it's so is it sorry uh excuse me what's her name uh is it investment or insurance investment is it, okay okay sure investment


I am (hmm) not investing yet so what about you anything, I have no idea what to invest on like I really have no idea


oh okay , ya I still have no idea what works so what about you


monies pretty young-ish


exactly we're pretty young boys okay next question uh some may argue that bank interest are unattractive whereas others may feel that their money is safe and accessible in banks in light of this would you save your money in bank or invest somewhere else


okay I I have uh a topic I something to share one of the reasons why my mum took an uh investment in uh insurance is because she feel like the bank interest really just is horrible you know it's zero point zero something so it will not it will take ages


exactly it will take ages to actually get something out of the interest unless you telling me I'm a millionaire lah at least I get something out of it so , the good thing about uh interest is you know you just have to put in a certain amount uh constantly and after a whole period they will I don't know what happens money comes out of the investment and boom you're rich after a few years so


ya uh, wait sorry wait ah whereas others may feel that their money is safe and accessible, but at the same time investment ah sorry insurance is also you know sometimes you cannot really take out the money uh it's stuck there so you cannot really use it's more of like a savings but you really cannot touch it unless the insurance agent says so


so this is a debatable topic lah but I think if you really want to earn cash in years to come uh through what you have been earning then insurance is the way to go but , ya I if for me I don't think I really want insurance because and I I want to take it slow


what about you , or after thirty ah okay, okay okay


part three negative experience


okay <P2>dave</P2> !oof! you wanna go first


ya sucks


ya angry what's my biggest pet peeve , I don't like it when people gossip about someone and then when the person comes suddenly everything is okay you know they they hide the the expression like


for example if I'm talking about boy A eh no if boy A talks uh to me about boy B and the when boy B comes around boy A acts like !hey! brother how are you, doing that sucks lah if you have a problem just talk it out I hate when people hide it unless you actually have to hide it lah then


I understand lah but you know if you have a problem with the person just talk lah don't like that ah bro Tak gentle bro okay next uh recall a scene from a movie that you oh my god so sad ah you know why sadness got double d ah Saddedeness


, oh my god you really you want me to talk about me crying ah I don't cry often man but I just cried a few days ago, because I watched uh out of all the stories in the world I cried while watching sex education it's kind of weird man I forgot which scene was that uh it's most probably the scene where


okay I don't have to get into details lah ha but ya I actually was watching a TV show called sex education and I cried, it's not really that deep I just was really into the movie eh into the the episode, and what about you oh wait I need to recall a scene ah okay lah must the scene ah so there was this scene where uh the the main actress called meave wiley and then the main actor is called otis something otis milburn or something uh


they both went to the dance with a separate partner even though they know that they like each other, and then , the girl found out that the guy she was with was paid by this otis eh the guy paid otis to tell him things about her so that he can get uh you know get her to like him


and once the maeve wiley found out you know she was heartbroken and that's where their friendship got rocky it's kinda sad, ya now I'm sad also, okay that's all next <P2>farid</P2> your turn


(hmm)


oh dang


describe what you dislike about your younger uh, oh okay can uh you


, true very true oh wait sorry must negative ah negative


(mmhmm), why ah


what what example you trying to say,


yes times have changed okay interesting (hmm), okay what I dislike about the older generation is they are very narrow minded you know they think that oh okay I've experienced more in life so things have to go this certain way so for example you know how uh


okay I I cannot find an example but you know what I mean right, okay maybe going home late ah let's say uh they say oh, uh I've experienced more in life I've seen people get raped or robbed at two AM so you have to come back early but I mean that is what year sia the crimes have really went down all the way and we are we are practically safe in singapore unless you are in Yishun lah which I'm not so


ya I'm just trying to say that know they they don't really have that trust because they're very narrow minded you know as much as you want them to to understand something they won't because they don't want to uh be open enough to understand this


and for younger generation also the same problem but they are more uh hard headed in terms of , because they don't have much you know knowledge but they think they know what's right uh then you know they'll they ya they're not willing to learn then every time you talk about something you know ask them to do something's like no no I don't want to do this you know it's not right it's not doing it right blah blah it's both ways it gets annoying and


it's nice to be in the middle where I'm not too open or I'm not too err narrow minded I'm I'm cool with anything I want to learn I want to try new things you tell me to do this sure I'll do it but sometimes I'll take my time uh ya so


yes it's kind of cool but I think also it it depends on the age lah like you know I'm I might become like one of those older generations when I get older I I might not know what I'll become in future ya so I won't blame them it's part of human cycle


I have one okay, uh wait are they talking about travel as in in overseas, legit ah i only oh man


and she's nodding her head uh, I don't have a bad oh my phone's ringing sorry give me a second


please forgive me, please forgive me my mom's phone was charging in the room I didn't notice that uh you were saying sir


oh damn why so deep sia so what therapy ah damn sir you can relate to this most bro


you want to say,


kay one minute of silence just kidding err


back, in year one, the same situation where I was talking about uh you know the girlfriend and CCA dilemma, I I wasn't doing well because uh I was new to you know performing and my girlfriend didn't like how much time I'm spending on the CCA because


she didn't know how much I wanted to improve, so what she thought is you know I'm just everyday after CCA just Lepak with friends which is true but I also want to learn from them because the seniors are usually there so I'm we we most of the time talking about CCA stuff but she thought I'm just there because I don't I don't really care about her anymore so that was one time where I felt like you know


okay I'm I'm not really , good enough because you know as a boyfriend I'm not really taking care of her properly as a you know member of the CCA I'm not even doing well and then when I get home my mum will be asleep so like I I don't get to see my mum at all so


it just suck lah my my education wasn't doing too well also because uh we were always fighting and I don't have time to study and all that so it was just, a bad moment for me ya nothing much okay next describe embarrassing moments that make you cringe !wah! <Z> cringe ah bro


, stuff what , oh really that's all


I cannot think ah sorry ah uh wait ah embarrassing moment cringe ah make me laugh have ah make me cringe like not much eh, I think, ya it gets it gets funny man okay maybe one embarrassing one uh is when I was in school then somebody said hi they like wave at me from far then I wave back but actually they're waving to the person behind me so I had to run away


oh stepper


oh damn


my god why so deep one my god oh shit bro damn no moment oh two okay


yeah yeah but sad times I don't world ah the world never really against me ah I think the world loves me ah, world against me no eh sorry man I don't have moments next uh what is the most oh


damn, okay I have one uh last, year I was dating a girl and we weren't really dating seriously we were just like very close friends so but we were still like you know still dating lah and then uh this year uh march when it came to exams


how can I help you okay ya sure sure go ahead take your stuff I'm talking, about deep stuff here so you you have to leave the room it's kinda personal sorry my mum was in the room and she is gone so uh it was


study period and then uh we I had a fight with her, and after a few days uh I asked her if I can study with her she said yes so I came down until I saw her with a guy hugging her and ya until now I don't want to date anyone next <P2>farid</P2> what what about you


life's like that


damn it's okay bro


so far all the loss uh people that I'm not close to so nothing much you wanna skip or do you wanna talk about it, okay uh ostracise


it's like uh next what disgust you you got thirty seconds go go, okay uh me I I don't like when people fart or uh burp in in in the public next what's your greatest fear


, yes losing people that I love okay next what injustices of the world that make you angry black lives matter next


all lives matter yes okay sweet kay thanks,


part two positive experience, yes sir


small things that make me smile one of the small things is actually when somebody smiles at me even though I don't know the person you know just walking pass then suddenly they give a smile it's like !aww! hello nice to see you yeah what about you sir


ya yes exactly


oh yes it's like !aww! (mmhmm) !aww! like !wow! I miss my


yeah yeah ah depends , okay what are some uh sacrifices you made that was worth everything


damn


so it's good !huh! , sacrifice ah I think one of the biggest things I did was uh to sacrifice my relationship for something that made me happy instead uh


ya like <P2>replug</P2> like because, I was happy doing my CCA in RP and, I donn't I didn't want anything else to stop me because I was really very happy and I wanted to improve in whatever I was doing so uh having a girlfriend that wasn't supportive just really made things worse so I let I just let her leave because she didn't want me anymore


so that was a good sacrifice I I made I made a hell lot of good memories after that, ya in in, my room doing a survey next uh describe the best movie TV show you've ever seen


oh damn okay okay I got I got somethin what what about you you got somethin you got a lot too, oh shit, I okay I I'm not the type to watch a lot of stuff cause I don't really like to sit down and watch something but once I start watching something I'll get addicted like for example I started watching friends uh back in march


and since then I just finished the whole ten seasons and I was in love with with the series and then I moved on to community and I rewatched it twice I just loved that one and the now I'm watching uh sex education not because of the whatever is going on but because it's it's actually quite funny


especially uh you know putting your yourself in a teenager's point of view uh about all of these things ya kind of interesting, , maeve wiley looks like uh harley quinn I'm


I'm ya just why like why why does everybody look like that, I think doppleganger eh what about you bro


(mmhmm) (mmhmm)


their friendship


err, we'll be together I'll find a new house with you I'll be your roommate, kay next question, or you wanna talk about your partner


okay best friends are are we best friends eh okay, uh (hmm), okay let me just talk about you let's see what we have in common ah uh football we definitely had football in our life


uh education path ya technically express blah blah blah and what else (hmm) (hmm), I think we have the same taste in girls also actually #jeng jeng#,


ya interesting lah but it's true lah you cannot you cannot deny it lah,


!aww!


it's heaven


with god's will and all the money amen uh, I definitely feel like okay I've only been to this one place and this one place really made me feel happy and it's actually Spain because


I get to escape reality lah like back in Singapore that time was like oh god school blah blah then once exams over we get to go on overseas trip and I I was smiling everyday lah honestly I didn't want to sleep because I wanted to make sure that I spend every minute there like uh you know


properly and, it was really the best days of my life lah I didn't really mind staying there for like months but only had nine days there which is quite sad but, I I'm not sure if I I like Spain in general or just that part of Spain but I think being in Europe in general just takes your mind off life and makes you feel you just


like !wow! this place is lovely ya, I don't even get to go Malaysia (mmhmm) exactly


we're in a small island nothing much here so what's next, deep


oh dang we're getting kinda deep uh you wanna start


ya, it's kind of busy ah


right bro fist bro fist me man why is it blur


okay uh let me start mine yeah , the first thing I'm grateful for is actually my friends I I I feel like oh sorry my Singapore, accent ah okay lah because I feel like the friend the if no friend like boring ah I at home only


no but really I think uh friends made me , who I am today because I spend most of my time outside be it at school or after school now holiday also I stay outside, but the different people really teach me different lessons in life and


I think if I were to just stick with my family I cannot really learn much uh although I have to you know I I I don't mind spending time with them just that there are a lot of other things that I can learn from other people also I'm always trying to learn new things when I go out uh and and I speak to people and friends are always there for you know


to to help me learn lah and to to be there when when everybody needs each eh each other so friends number one number two I'm grateful for oh all the money I'm getting from government thank you very much, uh this year I don't have to work because government ya government give me money in march then they give me in august so uh thank you government for the money


and what else am I grateful for, ah, I'm actually grateful for this countries ah because I don't see myself living anywhere else because this country is really just convenient to the max


like I can just go down and I'll see a bus stop from that bus stop I can take a bus to the interchange and there's technically going to be uh an MRT there and MRT is going take me anywhere around Singapore in less than an hour so and you know everywhere you go you can find a shop you can buy something it's


it's really convenient it's just that you know we are used to it everyday sometimes we want more so that's why we, feel like oh this country is not enough and there are really a lot of places that we can go we just that we've been like to almost every one of them that's why we we feel like Singapore is boring but I feel like this country has a lot to offer and


it's about time that you know we start to find the small small details in the country small small places that makes this country unique so I'm ya I'm grateful for this country, ya all these little things okay next


!aww! !aww!, it's kind of touchy eh !aww! eh I wanna hear about your partner since she's not here ah what you admire about her eh


(mmhmm)


!wow! !wow!, no what charity nobody knows charity in my life


!wow!


she all about the love eh okay interesting I will I will record that and send her psych ah you should tell her yourself bro


, !aww! so sweet lah you !aww! , okay wait my turn my turn


uh ya talk about you ah first thing I admire about you bro is that you are very knowledgeable you basically know anything in life man any question I have I'll ask you you're like my Google so that's one thing you you are very knowledgeable and second thing is uh


uh (hmm) let me see, you're not afraid to to do what's right, and which is good lah but uh and the other thing I admire also is you will do it properly you know you will not like uh make sure you do anything to make it right but you just know subtly make sure that uh you don't ruin your you know


you don't ruin your pathway just to make sure that things get right you sometimes you know when you want to talk to somebody about uh something that they don't do right you know just uh you know like calmly talk to them so that you know it it gets it gets done properly


and that's what I like about you ah because you you have a lot of empathy, so that that's really nice no no, no it's it's just a survey relax no kidding kidding , uh another


points wait wait I'm not done there's one more point I was done with two it's empathy and uh what was the other one yeah so last one is uh I like how you, you're very inclusive you know you like to include the people around you you like to uh tell them how you feel you like to make everybody feel loved so ya it's definitely nice to have somebody like you in in some in a life we we need people like you you make the world go round bro


okay next question uh, I'm not in love with you or anything so next question, oh go ahead tell em ah


I just want to sit down you know have a cup of tea actually no lah not cup of tea ah Singapore don't really I I usually like to, call friends down ya just know just sit down talk about life smoke some not not weed just smoke some cigarette just relax let's have some laugh


ya that's that's my yes that's very nice and relaxing you know after a long day imagine just after a long, day you you guys meet up and !hey! what how's your day bro just talk about everything it's like oh yeah that's kind of cool I like that


yes yes exactly yes


that's like #ah pek# lifestyle I love it, (mmhmm), I I'm jealous of their moustache next uh what do you love oh my god a ah what you love about yourself you want to skip this one


oh , yes exactly we'll always have a good laugh especially when you play the thumb game playing the thumb game just ya sorry sorry inside joke


, ya ya good times man okay, (uh huh) no problem


part one finance


okay so for me right I do have a savings account and I have a few so , like the first one that I have is the POSB savings account because like that's the one where most singaporean kids


start out with yup so I actually kept that account up til when I was about I think two to three years back and then I realised that


ya true but then like for me because the POSB savings account the, the interest is not very high like I think in one year maybe it's just fifty cents where it's like easier to find fifty cents on the floor so like the other account that I first created was the OCBC savings account the three sixty one so back then before COVID the interest rate was better so if I credit my salary and


I will just get a flat interest rate of one point two percent and I chose that account because , unlike other like savings accounts like UOB and DBS I didn't have to have a credit, like a minimum credit card spend and because I don't really spend a lot on my credit card and I don't believe in you know


like the UOB spending I need to spend five hundred for at least three months in order to get that interest so I I liked what OCBC had which is, the least criteria which is just to credit my salary in and I'll get that interest so that's why I liked it but over the COVID period they kind of reduced the interest to zero point six and then now it's like zero point four so it's really bad and then last year I also


came to know about the stan chart jumpstart account which is a flat two percent which is great because there's no criteria you just need to be like , within , I think it's eighteen to twenty-six in order to open their account you don't even need to have a minimum balance or credit your salary you just need to put money there and it kind of churns two percent interest but I mean during COVID it changed to one percent but


a lot of the banks kind of drop the interest too but I still think like that's a, , good account to have even without like, because there's no minimum spend or any criteria so I am still keeping my money there lah what about you like which ah which is the


like better account that you are using other than POSB


yeah and actually like you know now in the market I feel like , there's uh there's this better product which is the sing life account so it's not, really a bank , a bank account but it's an it's an insurance thing but it kind of acts like a bank account and their interest rate is really good because the first ten thousand you put in is uh it generates a two point five


percent interest so I did like recently I think just last month so I did open an account with them and to transfer some money to them like I mean to to that account as well so maybe it's like something you can consider if like, even if it's just a little bit because two point five percent is still higher than that one percent in stanchart jumpstart so it's pretty good


no you but but you don't need to put ten thousand you can like the minimum amount you can put is like five hundred, ya so it's it's still pretty good yup, and then as for like the credit or debit card like eh yes I I do have a credit card and a debit card I mean I used to have a debit card but like when my salary hit you know the minimum amount that I


have so that I can apply for a credit card then I did apply for a credit card , and I feel that why not one of the credit cards that I have I feel that is quite good which is the stanchart unlimited cashback credit card, because it gives me a one point five percent cashback on almost


all kinds of spends which is great because I'm getting cashback for everything uh that I spend on other than the exclusions, so I chose this card because unlike other cards like you have to spend a minimum like eight hundred dollars then you'll receive a higher amount of cashback but


I don't spend like eight hundred dollars every month I don't believe in having to spend to be able to get a reward so like this card works for me because even if I spend one dollar I still get like one point five percent back so what about you do you have like any debit cards or credit cards that you use


ya ya that's true also, ya I mean different people have different ways of you know working out their finances but I think what you say is a good point because I mean when you have a credit card if you don't control your finances then you can go haywire cause you can just tap into like the credit limit and you won't be able to pay for it whereas for debit card is like


you can only spend whatever you have in your account you can't spend more than what you don't have so, agreed, yep


for now , ya


random question so what did like do you think couple should combine their finances and, open a joint account, why not like on your side


then what what about like, a married couple then cause couples can be like either dating or married right so like do you think married couples should have a joint account,


ya I mean to my point I also feel like to be honest it really depends on the dynamics of each couple because everyone has like , different ways on how they would want to manage their finances so for me personally I don't think that is a good idea to have a joint account at least for me for now because I feel like it


also depends on how you want to split the bills with your partner is it like fifty-fifty or does someone pay more does someone pay less and, you know having a joint account means like you need to trust the other party and , I feel like even uh in the dating stage or even when like it's getting close to marriage


to me personally I feel like it is easier to just fork out, our own expenses to pay separately or whether is it I pay first you pay me fifty percent I think that's better than putting everything into a joint account but however I mean if you are a married couple then it may make more sense to do so because


you know there's gonna be things that you need to pay for like, you know electricity in the house or children's education weekly groceries so ya I think ultimately for me like I feel that if you are married it's fine as well but I mean at the end of the day it really depends on the dynamics of each couple because I also know like of


friends who do have a joint account with their other half and they use like that joint account and the card to actually you know pay for expenses together so things such as like, home renovations et cetera ya so


that's uh that's on my part ya


ya agreed agreed yup and actually I'm looking at the last question so it's saying , at what age should a child be given an ATM card to manage their own bank account so to me personally I feel that thirteen is a good age because at the age of thirteen it's when one starts to enter secondary school and personally I've always believed in like


teaching children how to manage finances from a young age so I feel that thirteen would be a good age so if I were a parent I would, like bank in and uh transfer an amount to my child's bank account every week and tell them that okay this is the allowance you have for your week you have like the freedom to go and use it however you like but you'll just have to budget within


you know this this allowance ah so it's really teaching them how to I mean I believe in doing this because it teaches them how to work within a budget and manage their own finances from a young age and it's a good habit to cultivate and it'll be useful also when they enter adulthood and enter the working force because


I mean managing your finances is always something very important you don't want to spend more than what you don't have, and by doing so you know it allows them to really think about the consequence of their spending so if they have a certain budget and they want to spend more than that they'll be like oh no so if I spend if I choose to like indulge on this today then I wouldn't have enough money for lunch tomorrow so do I want to do that or not so like


you kind of throw them into the deep end and teach them you know how to make these life choices and, how to budget accordingly from a young age which I think is a very good skill to have, ya


that's true but if you pass like five hundred dollars cash and then like you know like what you said if they lose their wallets then the cash will be even worse because


yeah that's true but I I mean ultimately it depends on I think every individual I mean every individual has different different views but I think what we can agree on is that it's important for , children to learn how to budget from a young age


money is difficult to earn


ya it's true it's like when I was working part-time I earn seven dollars an hour so when I spend on something I'd be like !wah! I I needed to work two hours to spend on this so you really feel like, the, the the work like and that money is difficult to earn yeah


yeah that's true but at the same time like you know you can do a you can put a pin protection on your bank card


so, so I mean like it it's still the same lah at least like there's a pin protection so but yeah you're right about like losing your wallet too so I guess like, that's also a factor that people have to consider but anyway I also wanted to touch on the last point so anyway if my child has a bank account then I would


you know open like the POSB kids account because I mean a lot of the bank accounts out there they're actually targeted towards working adults and maybe some towards youths but very few have like you know children's savings account and POSB is the one that's you know very famously known for having kids account so I


like almost every singaporean kid has a POSB kids savings account so like I think that's probably where I would go to if I would like to open an account for my kid in the future ya what about you


oh but that's like when they're young so maybe they won't even know anything like you cause when you started out you wouldn't know anything also


okay that I that's a that's a fair that's a fair assumption also I feel like it's it's a , it's a fair it's a fair way of doing things, ya fair enough


ya but giving them cash is also a way of handling their finances, it's just different, that's true but I guess interest rate is like something that can be taught from a young age too


can I stop it can I stop it now, (uh) yeah twenty-six


part three negative experience,


ya I think you know that's really one of the mainstream issues these days that everyone is just focused on, you know the results on a piece of paper and to be honest I can't really pinpoint a time but there was also a time whereby you know I felt very alone in life I think back when I was in secondary school two because I guess like there were just


many struggles that I was facing you know I mean teenage years who doesn't have struggles right like when you're in secondary school whether it's with results with, friends you know with CCAs and you just feel like you're a failure you know in everything that you do you can't perform so yeah I I just felt like no really no one really understood me and


no one really cared about me at that point of time and it was it was really a tough time in my life ya but I mean things got better after you know O levels then I you know after I got out of that phase you know things slowly you know started to get better for me lah


yup and you know with regards to like, the most heartbreaking moments in my life like, really, I feel that one of them is you know because, I've always wanted to do well academically but I know I'm not the kind that


has the talent for studies so like I always have to work really hard and even when I worked really hard, you know I only come out average I I don't like get seven A's you know I will get maybe seven B's for example so you know when I got my O level results I was it it was okay but I was very very disappointed because


I felt that the results didn't equate to the amount of hard work that I put in and, you know I'd study till I still remember because when I was having my O levels it was during SYF years so I'd study like it's uh come home from CCA at ten o'clock I'd sleep at eleven and then I wake up at three to study all the way till six-thirty and then go to school after that so


I felt that you know my results didn't really equate to the hard work that I put in so that was really heartbreaking for me and the fact that I didn't get into my first three choices of courses in poly it, it was really really upsetting but I mean at the end of the day


I felt that, those led to better options that I would never have thought would have happened and another heartbreaking moment for me was also due to results because my poly GPA was just , a few points short of the course that I wanted to enter into university and I felt that you know life was just unfair because at the last semester my poly everyone was graded based on two projects but I got


there was I felt that like you know my grading was unfair so it kind of pulled down my entire grade and I, like, I was just so super upset about it because, it meant that I couldn't pursue what I always wanted to pursue so it really really sucked but I guess at the end of the day like what I said earlier you know certain things happen for a reason and I'm in a place where I am happy and satisfied with my current job so


ya that's that's really great so what about you


who likes studying


huge mess , that sucks


life sucks , , I know right like , ya shitty stuff happens in life


, ya and you know I think another really , I don't know whether you call it a heartbreaking or upsetting but I guess another moment for me was like you know when I kind of like did something stupid that you know would affect me for probably the uh next like the next good few years of my life like


I mean it's something that I I really really regret but like at that moment in time I really didn't know what I was getting myself into so like, it, it was really really upsetting but I guess like that's you know shit happens in life and sometimes like we just need to


pick ourselves up and you know keep keep trudging on lah I mean at the end of the day you know we, enter this world and we leave this world I mean it's and you know success is not about how far we climb but it's a more about you know how many times you fall and the ability to like climb up again you know once you fall so that's why I'm I've been sticking to and you know with regards to a time where I hurt


someone's feelings to be honest like I don't know whether I'm just being biased but, I don't think there was a major time where I hurt someone's feelings maybe off the hook I could have said something insensitive but


I don't remember any, you know major, things that I have done to hurt someone's feelings ya


oh so what are the popular trends that you so what are the popular trends that you dislike,


is that even a trend okay I'm not on Tiktok so,


that is that, that is definitely weird,


what are the other popular trends out there actually that, are not, that we that you dislike rather cause, I don't know I'm not very into popular trends I only know like everyone is into Tiktok but I don't dislike the fact that everyone is into Tiktok, but sometimes people kept keep posting the same tiktoks over and over and over again it kind of gets annoying


that is true they are just like moving their arms , yeah


no lah is it that extreme


not in a very favourable like something that you know when they look back ten years later they're like why did I do that, yeah


true true, I agree,


ya the, exactly


I know right , ya agreed like, and I think especially because of COVID as well so like people are really looking you know into these online platforms to really get a form of entertainment and you know that's how Tiktok started like buzzing you know in the first place


, (hmm)


it's hard, to think of the bad but I wouldn't joke about serious issues such as mental health and suicide ya because I think these are very sensitive topics


ya no way like that's so insensitive, yeah I I agree and it's very hurtful to another person also so like you should never say things to other people that you don't want people to say to you


and maybe like these are things that, is not very appropriate to joke about


yeah definitely not I think that would be very sensitive I guess you you can always joke about your own but you cannot joke about others lah ya, exactly I mean unless it's something you know funny and you and your friends know that it's okay then it's fine but


ya ya , ya


yeah definitely, ya exactly true that true that, chinese ghost Pontianak ya


that's true, ya man and actually there's another question also about one thing in my past that I wish I could undo


I mean to be honest there are a couple of things that I wish I could undo because I mean those actions or decisions have led to certain consequences that I'm currently facing now but at the same time you know you know in your heart that, you know in life things happen for a reason and


you know these, I because it has also happened to me before where I regret like oh man this sucks like why didn't I get into the course that I want but by not getting into the course that I want I kind of got something better out of it like a few years later so while I wish I could undo it sometimes in my heart is like okay you know god allowed this to happen and


ultimately you know god has good plans for us so like I should just you know trust in trust in god and you know over time it will definitely lead to a positive and better outcome and I'll be able to learn and grow to become a better person ya


I don't know what about you, ya it's like the shit you go through kind of brings you to the person uh leads you to the person that you are today


true and even though like there are unpleasant experience if you let's say change it and reroute it to something that you'd want maybe like you know today you won't get the same outcome for all you know you may even be like, Unhappier uh


ya , finally yes finally


ya but just cling on and you know slowly somehow you don't know how but somehow magically you'll emerge out of it, and you'll bring it to a better position one day


positive experience,


to be honest like when I think back on first thought I cannot think about anything but on second thought I I feel like it would just be you know , looking forward to the weekends so I don't have to go to school and you know playing with my friends so like I would you know hang out at my cousin's house and you know we'd play like catching or we'd go to the playground and play together or even like you know playing board games I think like


those were those were the days where you know you just , feel happy you know having no worries to to just play and be free ya that was , that was like that's really like the first memory that that comes back


to me and I guess like you know moving on like it was you know one of the best parts of my childhood because I think you know childhood should always be about fun memories so I really did, you know have good memories of like meeting people at the playground and like you know just playing my board games playing card games like everything over the weekends and you know reading books with my cousins and friends so like


those who are memorable parts of my childhood and, as to the exact hobby or activity that I felt happiest while doing , to be honest the only activity I ever did as a child was to dance so there were days where I


uh was really really happy about it because you know you'd get to do cool moves and learn new things like you know showing off your splits and you know performing like, a cute and unique routine and getting to perform in really beautiful costumes so


that was something that I was very happy to do as a child ya,


ya I feel like that's that's really meaningful too and , , what is the best thing that I have done for myself to be honest when I read this I , I can't, think about it offhand but, I feel that there's no best thing but


what are the things that I have done for myself so I guess you know I one thing that I really love to do would be traveling so whenever I have a trip planned you know I'll always be very excited because it's something that I get to look forward to and I always get to enjoy time off of my busy schedule and to do what I love so


I feel that the things that I've really done for myself would be you know other than working hard to earn money but also you know to, spend some of my money on things to treat myself so that would be travelling every year for sure especially you know going on long trips to Europe and I hope to go to US one day and also like the


little little things in daily life like, you know if I'm having a stressed day just you know treat myself to some good food or if I feel like it you know just get a cup of bubble tea because it makes me happy I think like to be honest there can be no best thing but there can be lots of good things that you do for yourself to


just to make yourself happy so that's on my part yeah


ya actually I agree on that and to me you know this this point comes in to like you know who are the people I cherish in my life and what I so other than people that are close to me which is like my my family and my friends I mean one other thing that I really cherish about my life is like


the fact that I believe in god and that I I am a christian because I I cannot imagine how life is like without god and to be honest like what's so important about that for me is you know the fact, that


when I believe in god there there is hope you know because with god nothing is impossible so like there's always that hope factor but for people who are non-christians its like, I I don't know how they go through tough times and shitty times when they are really down because like if there's no hope to cling on to then like


I don't know how it is like going to be possible for you to really come out of that situation, so for me personally like my faith with god is really important and it's something that I really really cherish a lot because I know like I mean this is also getting personal but like god is always you know there for me whether on my good days or my bad days and on my bad days he will definitely see me through and


you know even though like maybe I may be going through bad times now but as I know like as long as I have hope and I cling on to his promises and his faith like, it will really come true one day and that is really really what I cherish about ya, and it's really really important in my life


ya I mean it's always important to you know have people in your life that you know you can you can share like little snippets or bits and pieces of your life with and ya to me like my friends like especially my church friends it's also something that I really cherish because


for some strange reason my church friends are kind of linked to other parts of my life so one of them is like my poly schoolmate another one is like and two of them are like my uni schoolmates and one is like my ex colleagues so, we're kind of like interlinked in many different ways and that's something that I really appreciate also because I think sometimes you know when you have christian friends vers non-christian friends when you're upset or you're down you know christian friends are able to give you


godly advice which really really helps when when you're down and you know they can pray for you so that's something that I really really treasure and appreciate and , with regards to , the best song lyric I've ever heard off the top of my mind I


I can't , really think of anything but I mean if we're talking about christian songs then you know that's this song that you know my friend told once told me to listen to whenever I'm uh always upset because it will kind of cheer you up and give you strength so that lyric would be


god is fighting for us pushing back the darkness and in the name of jesus enemies defeated and I always feel like it's so powerful and so strong because it's always wonderful to know that you know there's a higher being and god is like out there you know


fighting for you because he wants the best for you so that has you know always like brought some sort of comfort to my heart and, with regards to like a mainstream song I think one song that kind of spoke a lot to me a few years ago is masterpiece and the lyrics that


I really really like is that it goes like this so , I'm perfectly incomplete I'm still working on my masterpiece which speaks a lot to me because I mean none of us are perfect and , you know there's


always you know we're always incomplete we'll never be complete so perfectly incomplete really speaks volumes because it just shows that this is who you are as a person and it's perfectly okay not to be okay and that, you know every step you take you're just working towards becoming someone better it's okay if you're not perfect but as long as you know you kind of take steps to get towards where you wanna go like everything is perfect and you're perfect just the way you are so like


that something that really spoke to me and something that I felt that was really meaningful, yeah


ya I I I believe in the same thing too because sometimes like I mean I don't need to be extremely rich I just want to be you know financially comfortable, like ya but to be I I don't and to be honest I don't think I will ever be a millionaire but if I were I guess


what would I actually do okay I guess like the first thing I would do to be , to donate a portion of my money to help people that are in need and I would also spend some pursuing like things that I would like to do so I would definitely want to travel around the world and go to places that I've never been before in order to


kind of open my eyes and , just, become a more well-rounded individual , yeah what about you


ya


ya millions can sponsor a few, yup that I agree


ya for sure


yeah I agree I mean like if you have that money and the capability to help others then like why not put it into good use right like rather than rather than keeping it all like locked up in your bank account yeah and I just ya and I


ya , exactly yeah and lastly like you know I just want to touch on a point on what my biggest blessing in disguise is so


to be honest I was really really upset back then after secondary school because I didn't get the O level results that I desired so I got into a poly and a course which wasn't my first choice it was my fourth choice


, and it's something that I I was just so so so upset about and I told myself like okay I don't know you know for who knows like maybe, god is right you know maybe everything happens for a reason and true enough like so many years later I don't regret it one bit because it is there where I met like one of my best friends and one of my best friends like brought me back to god after I strayed away so like that was really one of the blessings in in disguise ya and


you know the other time where another blessing in disguise happened was after poly so my for my GPA I missed it by a few marks to get into the course of, in the university that I wanted and I was really really upset by it so I I even cried but I mean


after that I'm like okay you know what I'm going to move on with my life and I'm going to start working so I mean after I started working and you know after a few years like I'm really really happy where I am so, like I believe things happen for a reason and


there's always a good reason why it happens so you can achieve something better, twenty thirty


part one finance


for me I also started with a POSB every everyday savings account uh I was


because I was uh I think like fifteen sixteen and I started doing having a part-time job and they needed like a bank account to transfer the money to so that's why I just got a POSB account because my mum suggested okay if you need a bank account I'll create one, for you and then at


as I've gotten older I also realised that there were better options options with higher interest and I also realised that it was just a better, it was just better to not put all your eggs in one basket and it was also healthy to have separate savings accounts like one for your savings and one account for purely spending so that way I would be less tempted to spend ya I've


uh


I think for the savings account I don't I means I for for the bank account that, you want to use for your spending I don't think it's necessary to have a higher interest rate so that's why I use my POSB account for spending and I also have the standard chartered jumpstart account the one with the flat rate of one per cent interest I think that is more suited for like a savings account lah since I won't be touching the money there and I'll just be topping up once a month


so that's for me, ya I


but I don't I don't I don't have ten thousand dollars so it doesn't apply


okay


, I don't have a credit card at the moment mainly because I I I I know myself quite well I am a very big spender and that one point five percent of cashback or what or whatever that comes with it it'll just be like a motivating factor for me to spend my money even more which defeats the whole point of