it just disappear ah, in a way that's, that's good kind of save your ya save your emotions from, (mmhmm), yup


part two, positive experience


okay, K some of memorable moments of your, from your younger days


uh playground


ya, correct correct, it's fun ah times were easy


okay my memorable, moments from my younger days, I'll say the same similar to you but previously I was from malaysia right I told you before and so we had our like our own space ah to play so I would call out all the neighbours' kids so called


then we will like we have our own bicycles, so we just cycle around play games all those you know olden not olden like catching those kind, ya catching all that stuff lah (ppc) then got one memorable


catching you don't play you don't know what's catching, eh don't interrupt okay so one memorable, moments I won't I won't say it's the best, moment but it's definitely memorable whereby I


had no one to play with that day ah everyone was, out or like busy it was which was kind of sad, so I like eh I cycle on my own, around the on the road lah but, unfortunately I was going a little bit too fast and a car turned in and I got hit


I don't know what, which part of the car I hit but I think it was the side mirror, I think I blacked off for like a few seconds then I hear my neighbours, uh like saw lah and heard the incident, so they came out and start screaming then I'm like why my neighbour screaming and all then


I slowly get up then I realised, something dripping then it is my own blood I was like, six six or seven then I realised I had, my lips split in half


it's like from the bottom of my nose all the way to the lips is split in half yeah (ppc), that's not positive man that's eh, ya that that is not positive


yeah but it's memorable yeah it's memorable okay, fond memories do you have any pets, before this wait do you still have pets


what do you mean


oh okay so you have you had how did the, rabbit run away then


okay, wait, okay


what the fish, (oo) that's long that's really long any idea what fish it was


I don't want to say ah but that day what dish ah, I don't want to say ah K never mind , K for me I had a few pets before lah I had a pet hamster


the that hamster uh canary and fish that's all, the hamster was annoying though the hamster bit a chunk of my thumb out


not when it's biting your thumb, I don't want to play with that hamster


I think I have no idea I've never seen a hamster with red eyes before, where did you see such hamster, isn't that a rat lab rat


that's a lab rat isn't it , definitely I want to see the world man I want to see the world on motorbike


I want to travel around the world with motorbikes but I think that's quite a, difficult dream to achieve, because we would require a huge, amount of money


okay, alright, ya okay okay then how, about you


ya financial freedom I know


definitely ah, ya, okay what's your favourite childhood food or snack can't think of


yeah I have a lot but I don't know what they are called


is it the like circular then got like wheel look like wheel one ah, a lot ah


that's the brand brand sorry ya, do you know do you remember the this thing (ppc) circular then after that have many many different colours


look like frisbee one, ya man what are those called ah, that's good that's good, will you still buy it if you see it now


what hear me no man the answer should be a definite yes, okay okay I'll buy BB though


BB is nice ya I'll I'll buy BB also (ppc), (hmm) you will not go first for this one


(mmhmm)


so you like ah, eh, eh Azrin, Azrin, you're hardworking man, okay as for me I would I would say nicest thing feels like very when someone told me I'm very approachable and very easy to talk to


and I find myself talking to strangers and occasionally I would see I would like the strangers would just open up to me without even me prompting them much question


yeah, like, they tell I'm a great listener lah so, ya


, I forgot what were we talking about okay never mind, yeah man


I'm thankful for a lot of stuff I'm thankful for everything that I have, there's too many things to uh basically I'm thankful for everything lah, to where I am and how I started things like that


ya (ppc), how about you


(oo) okay I would say the, part in my life where I experienced the the most personal growth would be in my NS days ah that's where I meet people from different backgrounds and it's interesting to see people from


various backgrounds with different kind of, character how they act how they respond to things and, from there I sort of grow and like learn from them, because they have a lot of things to share


ya, how about you


how old are we talking about, K


in poly ah, how old was he


(oo) (oo) that's that's quite a big gap yeah, wait, actually I do have a friend that's like that also when I was in poly he was


I think twenty eight when, I was twenty three or something, ya ya exact, I don't know ah that one I don't know ah as in like I'm okay with him but but he never sense that okay lah


is he's wise he's wise, ya ya he's wise, what describe a what, best birthday present I'll say the best birthday present is the most unexpected one uh (ppc) I'll say the best birthday present is uh


from my mum she always, like give random surprises so when you don't get you don't I don't actually expect anything from her but when she get this kind of stuff it to me is, it's


it's really nice, cause, and some more she don't give on my birthday that's that's why it's very unexpected, she can be giving it to me like, two three months beforehand or what or six months beforehand say eh this one your, this year birthday present then I'm like !huh! okay


you, , I


alright man


ah, wait, wait wait they come into your room, means, you were about, to sleep already ah like legit on your bed lights off everything


, how many of them sia like come over, how many of them


committed committed, comfort food what's your comfort food


(hmm) oh that's one, I don't have comfort food either, Wagyu Wakuwaku Yakiniku


how was it ah how was the experience at Wakuwaku, K K tell me the full experience from the start, to the end


okay what's, so it's like must go there experience then you will know ah, I haven't been there before been wanting to go, cause I tried to, reserve before they say it's like two weeks


reservation in advance so it's like !wah!, must really plan your date two weeks in advance which is, really quite early, ya man


then what that day that time when you go over to Wakuwaku is sorry you were saying, can ah, so two hours


so you go there first tell them you want to, okay, you when you open eh when they open their shop got queue already ah


that time you go no queue ah


okay okay that's interesting, K what are the small things that always make you smile


don't shy, playing games and making fun of me ah


K lah then I would say that (hmm), I would say, correct playing uh the small small things like playing games but the one that really makes me smile and with if when we play together with our two other friends


and like we do stupid stuff lah, you know what stupid stuff we are talking about lah ah, eh that one normal, definitely a must


okay, alright, eh


oh uh, as for me yes I do okay apparently, in fact we have a lot right ya I mean we have we have vehicles so we have motorcycle insurance apart from that we have our, uh our own insurance which is our personal insurance


and, ya what about you what about you


ya eh uh I mean last time when we were in NS, there was this uh insurance uh they offered to us, uh you were from army right so, army they they have this aviva insurance


then uh it covers basically it's an a, good term life, uh coverage and also personal accident coverage, right do you have it, oh ya


uh oh uh aside from the aviva one I have my other insurance under prudential also, ya, so technically I have I have other insurance also lah, ya, and ya for the for the aviva there was it was quite cheap right because I believe we were


we were like NSF so they offer us like we are under the government so they offered us a good price lah, on that


ya ya, correct, it depends on a whole lah how many people everything, but, I mean at the end of the day if anything happens


you are covered lah under aviva, so like at least, if let's say there are any losses like accidents or what, then, uh at least whoever is left behind there's something for them, you know


ya, so, and yourself what, , okay so uh, ya aside from the aviva what do you have


okay, that's good ah, endowment plan not too sure


ya, okay, so ya, so what percentage of your income do you spend on insurance


I mean, uh, that one I don't know ah I think it depends on, because when you get insurance it depends on the financial advisor how they advise you


how comfortable you are, ya, so, I mean uh, your advisor definitely like, ask you to set aside certain percentage lah maybe that's his that's his goal


for you ya, uh currently I'm I'm like uh still finding a job lah so, there's no percentage of my,


of my salary of my income, but like, I I had a chat with my advisor and, ya lah he see he sees it as I'm, comfortable on four hundred a month, ya and it's separate in between with uh


my savings plan my hospital plan, my accidents plan and, uh total disability, ya


ya, oh uh ya ya, the it's all included in one lah so there's four types of insurance in that, like I got four types of insurance from him lah


so it's ya it's saving is one, then total disability personal accident and, uh what's the other one hospitality so anything I'm covered, so, you are covered for the future I guess you let's say one day like you go to the hospital then


your bill is very high but you paid you every month you paid this four hundred lah, but, uh when you are, in the hospital the bill is too high you can't pay for it what let's say it's a lump sum of twenty thousand, it's a big sum but


apparently if you have insurance the insurance will cover most of the costs depending on the criteria lah some of them will like will say something like, uh you have to be warded for three days, and, ya there's there's like a clause lah, there's like a clause


ya so anything the advisor will will handle it for me lah so on my side it's quite, it's uh it's easy lah, I don't have to think about money when I'm when I'm in pain lah, basically


ya, you don't think


then for ya for savings I think it's, some people say it's good some people say it's bad lah for, uh for future, correct


uh good good in a way that you have some lump sum of cash in future, but bad in future is because, they are worried about the inflation, eh eh ya


so like like probably like now to us, ten okay, to us now one dollar is, a lot let's say ah, by in twentieth let's say your insurance is like twenty years


okay then your savings plan then that's when it matures lah, so in twenty years time one dollar back then one dollar was I said a lot what but now by then one dollar will be like, nothing you know so ya


so, it's it might be a con to certain people it might be, ya, we we we wouldn't know lah but, ya at least, at least I know that I have some cash left behind for someone if let's say I'm not I'm not around


yeah, you have to you got to , ya I mean in singapore you don't have insurance also you can't drive what or you can't ride


so, ya, uh, I I I ride motorcycle lah so I have two motorcycles so, I have to have two insurance on both, on each I'm I mean I have to have one on each


so, ya, you ride also what right, ya


oh, you don't see the you don't see the danger in it yet lah


maybe, sometimes ya ya when I travel overseas then my friend we like the probably like the, the usually who travels a lot lah they their parents will will say buy insurance mah so they also buy


so when we so when we go overseas in a group most like for us we never travel much what so, we won't we won't buy cause we won't know mah, but for them they probably they, they had their luggage missing or delights eh delay flights or what


so they know the importance of having the insurance lah, maybe they Kena before you know, !huh! eh what, depends on how they they can


uh, it's uh it's how good they put it lah then I might consider, or they they make me feel bad or what, ya


sorry, oh ya ya ya ya, ya then


so so uh ya CPF insurance coverage is it enough


ya you right man, but uh what's this, affordability wise is there lah probably for others, correct ya maybe maybe like those


who are better off, like well off then they can get like a more prestigious plan, ya,


ya ya ya , oh I I find him ah I approached him he's my friend, he's my friend lah


ya so , sorry what, ya he my friend lah why you want to know, eh why you want ah, okay


ah ya lah, oh what yours is also friend is it approach you, okay lah


ah, I think friends also if you know they really going to stay in the line easier ah anything you contact them what, anything it's like a handphone number away so it's easier


yeah, so, what do you look out for when buying an insurance policy


, okay ya, what do you look out for


yes, trustable lah


it's like, it's like you got you got forced into it and then, it doesn't feel good but some people they they want to say no then apparently they like, got pulled into it ah, and it's it's kind of unfair lah they I mean some people they they want financial freedom that kind of thing but


not that way ah, that the money that they actually don't want to put in is actually for other other plans lah then they have to use it on that which they don't want, then they feel unhappy at the end of the day


correct


ya, wait, uh


ah, okay, I'm not going to sell you man I'm not going to ask you okay so so, probably like I'll ask you lah like do you really want I mean it's I I think I feel that for hospital coverage is important lah some of us will


might get into trouble touch wood but, ya like it covers all your expenses if you have the means to pay for the monthly premiums then I think it will be fine but if you can't, but you really want it, then I won't force you now lah but in future you you know who to call


you know ya, some people they they they apparently like they force you to buy it now, but actually it's not the time yet lah for them because they are not financially stable


then for you eh what would you ask


so basically like every month whatever we pay is, for the future lah anything happens like the bill is too huge for you to pay off, then at least you are covered


sorry sorry, ya, ya what did you say about it, ya


so ya there's everything lah in the in the plan, so, ya I'm I'm covered for I'm covered for most of it and the savings part, ya it's an investment lah I would say


then for you eh you also right, you also have mixed investments right, ya


ya, ya, so, ya I think apart from insurance, uh we also do our own savings lah


right our own financing so, on that part it's a daily thing we have to know how much we spend how much we save, ya


ya, correct, so at the end of the day you still need savings lah, ya, yup


uh part three negative experience


alright, so, ah I don't like negative experience but okay, describe a time when you felt trapped


I think, for me is, in this context trapped and helpless, is not being able to help your family members lah for me


ya like, uh probably okay so when the when the pandemic was around, like, a lot of people were retrenched and everything, so my family members they, they have pay cut ah so it affects the family lah cause they they are the ones who are with the income for the family


I was still schooling back then so , ya lah from on my end it's helpless lah, ya all I can do is, uh, furthermore like parents are very old also


uh, what we can do is try to get a part time job or what ya so then I did like dispatch rider so to help lah to help the family a bit, ya I'm a it was it was hard ah I would say


ya it's difficult ah, you


yeah


, ya helpless ah I mean, at that age, you want to help like you can't


correct, but but it's a it's a it's a change ah


ya it's a, ya


correct, ya, okay so, what always bring tears of sorrow to your eyes


ya I mean they are the ones who, probably take care of you or spend the whole time with you what, and losing them will be, will be hard ah I mean negative


then for me is, it's similar I think family is the most important lah family is number one so


sorry, sorry [orh], no lah so I think ya can can it's just that sometimes, muffled ah


ya I think for me would be, if I were to lose my loved ones also, ya, okay have you ever, where okay


is there one thing you would wish wish you could change


I think, uh this is hard man, okay ah maybe, my attitude previously ya


I mean now, not say that I'm good now lah but, previously I was worse so, ya if, if I were to be back in time I think I would choose not to act like how I was before


ya ya ya, then I think like because is it affects relations ah back then, so I think it's quite sensitive, ya then, I mean if I were better back then


uh, things would be a little bit better now ya that kind of thing, ya but okay I mean yup I mean, now it's okay but maybe if I was better back then I think now would be better lah


ya, , [orh] this one, think back in, back in my secondary school lah, sec sec two sec three


I mean you are influenced by friends ah, so things go wrong ah but, after that you want to change it's a bit too late ya, I mean it's damage done ah damage done, so you eh


makes who you are now ah


where you watch TV then note ah, eh that's crazy


you have to spend ya, money makes the world go round ah okay, have you been have you been looked down upon people


(mmhmm)


okay


K lah I think it's a thing ah it's a thing I mean not not only you, maybe others also face that I mean I myself face that, everyone does ah everyone get looked down upon as long as you are lower than the others then they look down


but, there are certain strength, that, people have that we don't and there's strength in you where people don't, have ya, then for me is


ya I think is basically my relatives ah, ya, I mean they have children so they compare themselves with their children, , I mean not going to lie ah they relatives are smart


ah, they have degrees masters, but, ya I'm I mean I'm there also so, there's no difference ah, the only difference is how you compare others is maybe how they act lah not by education


ya, want ya if you want to look down on me if I'm like a, really bad person then you you can go ahead but if I'm a good person like good family and everything my parents brought me up well and you want to look down on my family and everything it's a bit


bad from your side, yeah, did it


yeah yeah, my my my fish, my fish no I never, don't even know what's love back then lah, don't even know what's love back then,


no lah the fish the I I cause I stayed, okay no I had the rabbit in, when I was one or two years old so, ya you don't you won't, you won't remember what, you don't feel it back


when you were younger, ya but the fish is like, when I'm, three to maybe eight, like that then I come home, it's gone, don't know my mum give or it died


ya so ya that one, I mean that fish very long already what, so, ya is it ya after that I no pet already


ya no pets, I might but responsibilities lor it's been a while lah


I totally forget how to take care of pets, yeah yeah yeah yeah you, you still have your pet you still have your hamster


you throw away, oh, not fed well lah you never give him food


I wouldn't know no my my malay not good, oh, ya ya ya so it's the fight the fighting chicken that one


oh like the one got chest one ah they got, they have chest right like, they stand up they stand up like man like has


apparently I don't know


okay usually what colour not black ah


maybe quack ya they chirp, ah, they, ya the I think they chirp ah like bird


oh that that is, but that's not the pet you love lah it's just you lost, correct, eh, it just born you love the egg , ya ya ya you lost ah


canary is the bird ah, the hamster, canary bird ah, parrot parrot , ya ya ya I know I know


is it a crow ya


dead


dead, oh, how old sia, ya old ah


oh means what death what what happened, it's weird ah


let's go let's go, ya


correct correct, I never I never like bury animals before so, ya, I never have any I never have any uh


pets that pass away it it's just gone ya, like I come home there's there's, none left, ya, okay lah it's okay lah


I think that's that's all we have


uh part two positive


I should take this, we both should take this okay, so, I think younger days it was easier lah we don't have to think about anything, I remember my time was, I come back from, uh kindergarten


K one K two primary school, what I do is I go home I change, I go back down I meet a couple of friends at the, uh what's this at the playground, ya the at the neighbourhood playground and we don't even like, back then was what like two thousand two thousand one so we don't really have I mean we were young lah five


five to ten years old we don't have phones and everything, so what we do is we just go down we see who is there then we play even if we are alone I think I still play lah, and I spent my time ya I spent my time at the playground playing football with a couple of friends also


ya I think it was ya, that was like memorable for me lah, you


catching jack, no no carry on


very, that is some positive experience, alright oh okay, , okay lah but it's memorable lah memorable


uh, I have I have a rabbit, when I was younger then after that fish, I think I think I'm more uh, I think I was able to remember only the fish lah the rabbit I don't remember


ya cause the rabbit like when I was what one two years old lah, until now my sister tell me there's rabbits then I'm like when sia okay, ya the rabbit ran away, then ya the the the fish wanted to run also but no ah they're in my tank K so for the fish I think I keep them I kept them for very long I took them from my Kampung


uh back in malaysia lah, then I I brought them back to singapore and, ya, just small fishes like very small then after that, uh they they grew quite big, but ya after that I think


one day I came home it was, it was gone ah I think my mum gave it away or what, ya, ya I think it's been with me for like, five to six years ah it's quite big ah, ya, ah that one I don't know Kampung fish ah


I wouldn't know ya, !oi! what dish your dish ah , you want I cook you or not okay


nice nice hamster cute lah, I think it's cute they just want to play with you, right


eh got hamster red eyed one right or is that just rat, that, that one scary ah, don't know got got hamster with like red eye then their body white that one scary ah


K, alright, !huh!, I don't know ah no ah okay what are the dreams and goals you wish to achieve before you die, easy


what sorry, alright


be be positive ah I think you can ah, yeah yeah I think you can, I'd uh , my dreams and goals ah


I think, I want to be, ya I think same lah I want to be travelling around and, uh at the same time


I want to have stability lah, so, ya I think that's the dreams and goals ah ya, having having a family together and everything, ya


favourite childhood snack uh, uh BB ah is it BB


BB is the, is the orange I don't know ah it's a it's a very small cracker is like sticks ah very small sticks, it's orange in colour, I don't know that's BB or


ah but it's the snack, it's some good childhood snack, what what, oh the the big plates ah


is it, uh I don't know but they melt in your mouth, so ya that's that's nice, ya, maybe maybe not lah I'm past that uh I'm way I'm past that already ah


maybe maybe BB ah BB I might buy, ya sorry ya BB, what's the nicest thing someone ever told you


uh, something, the nicest thing someone, has told, I think there's, K lah uh on occasions I think it's


I like it when people tell me that I'm hardworking lah, in school or at work ya so, uh ya there was someone who like, always praise me in school like eh your designs very nice


ya cause, when we when engineers design I mean it's very they are particular to details what, so, so designing like it's not everybody's thing lah only certain people can design so this guy he, apparently you don't get praises a lot lah from friends but apparently he praised me then like


oh okay ah, that's quite nice ya it's quite nice I mean, got to admit it's nice, yes, eh thank you man


hello hello


sorry can I check uh cause my, my app right the volume don't go up or down, no it shows low, then it doesn't go up and down when I speak


hello hello, it doesn't move actually, yes it is, okay


you can read sorry, what did you say ah previously ya thank you, ya, let's go to the next one what are you thankful for


as of now ah, ya


correct correct, ya I mean there's a lot to be thankful for ah but, ya K ah next ah take


talk about a time when you experienced personal growth


I think, I think for me uh, when I entered polytechnic lah, because I have a group of friends and there's this one guy who, is like the older he's like old lah, older so he's very wise


he's very wise so like, when we were in groups when we like uh just sit down and talk, he's always the wise guy then from then like, ya we I I believe I changed by then from there lah


cause of his influence and ya his influence and all, he's a good friend ah, like, we were let's say, we have a age gap of six years ah


yeah, a big gap, but okay lah respect he still continue uh, with his education


nice, he's a wise guy, oh you you're not close lah but just have a friend that is that age ah


, okay so describe your eh, what is your best birthday present


okay, uh best birthday present, ya I think it's surprises lah, cause, ya


it's fun to see your friends like come then like, they surprise you and everything, so that was that was that one day where I was at home, like just chilling like want to sleep lah what, it's midnight what, then they probably they plan with like the family my family members


suddenly they come into my room then I'm like what what , ya they're like, like, like Lepak ah like Lepak about to sleep


want to reply message mah, so, like what , sorry, uh only four


ya, must be baik okay, final question, oh wait not the final


yeah comfort food, comfort food I I don't have, though, Wagyu Wagyu steak Wagyu steak, yeah


ya, , Wagyu Wagyu ah eh Wagyu Wagyu,


Wagyu steak is is a work of art lah I would say, ya, I I can't explain lah it's just a work of art, yeah you


alright


ya, I mean it's hard to see what you have two weeks ahead also, walk walk in walk, I walk in ah walk in ah walk in walk in


yeah but you need to wait two hours, plus plus, ya be the when they open then go there


it's good ah, sometimes sometimes lah, like I think got two people lah but ya


the the I mean the queue is quite, uh automated it's like everything is online kind of thing, they will update you, they'll update you when it's like, your turn, so you can just like go walk around one hour plus two hours


yeah man,


uh, I believe I believe, err, playing games lah I would say, playing games


is ya ya, play game play games fun what, so, ya I mean I I got nothing much on that ah what about you what about you


like somebody shouting !wah!, ya K lah, ya I think that's about it ah for positive for us


part one finance


and for me another alternative would be the invest in property is for people who aren't that well acquainted with stocks you can buy property in different parts of singapore that have different value and then sell them when you need to, but there's something that you need to take note of which is buyer's stamp duty so for depending on your citizenship that might differ from the property ya


and mutual funds is quite similar to stocks but instead of buying a single stock you can buy a basket of stocks and this basket of stocks are determined by mutual funds managers, but the cons that, comes with this as supposed to buying stocks will be bad you have to pay a fee to the manager so it can reduce the return that you gain so it can be harder to earn a lot


ya sure we can move on


and you also have to make sure that you save ahead of time for the budget even though you can take up loans it's not good to it's it's best not rely completely on the loans and save up a sizable portion before applying for the loan


ya like insurance and stuff so that, you can protect the item that you buy, ya okay we can move on to the next question uh how do you spend your money and which expenditures justified and what have you been spending too much on


oh ya personally I spend a lot on shopping and food too and yeah it can be hard when you only get allowance


personally if I if I'm a bit older and I finally start earning I might consult a financial advisor just to get some professional advice but I also wouldn't rely on them completely I would have my own idea of what I want to achieve and then I will go from there


how about you, okay sure move on


okay so what advice would you give someone to get them out of debt (ppc)


ya I'm sorry give me a second


ya and if you can't afford to pay the debt with the primary income that you're earning I would recommend the person to find other ways to get money, like maybe getting a second job or, picking up other investments so that you can pay off, that loan


ya okay we can move on, (hmm) I feel like it's a good outlet for people to save because if you are not told to save a lot of people will forget to factor in that that you that you need to save for your retirement and stuff


and the, also CPF is quite flexible you can apply for CPF education scheme which is an education loan that you can use for your family members which is I think a pretty good thing it helps you prepare for the future


okay we can move on to the next, a good way would be to have another job out there instead of just relying on your primary income and your first job you can use maybe a hobby to earn money for example photography through freelancing


ya it's really convenient but you also have to factor in paying off the debt and you have to manage your finances properly or else you can go into credit card debt, like a lot of people in the US they have, really bad credit card debts, and ya and you also have to make sure you are well versed with how the credit card works like the annual fees and everything so that you can pay it off well


and you also have to think of your own definition of how comfortable you want to live and when you want to retire because that can change from person to person so it's good to think about all that when you have the time to instead of rushing closer to your retirement age


okay we can move on to, to, saving habits how do you do you have a habit of saving and how do you ensure you meet your saving goals


I we don't really have a need to save cause we have, a steady allowance technically so it's only felt like have really extra expenses that, I don't want lah my parents fault, okay so moving on what's one financial advice you'll give to you from five years ago


ya same I would I would ask myself to develop the habit habit of saving even though we don't really need to save right now it's good to like be familiar with that kind of discipline so that when you grow older you can adapt easily, okay so moving on


what do you think of FIRE which stands for financial independence retire early, how can you be financially independent


and if you want to retire early I feel like you need to put in a lot of effort during your, during when you're younger when you have more time when you have uh less financial expenses like paying or paying for children's education stuff it's best to save early so that you can retire early


okay so, (mmhmm), uh how do you manage your CPF savings


I wouldn't ya I wouldn't waste the savings for something in the short run when it could be used for something more important in the long run


okay moving on what're your opinions on the supplementary retirement scheme


and also people who want to prepare beforehand for health, situations like in case uh something goes wrong we can save earlier is best cause sometimes CPF might not be enough to cover everything when you need so it's good to have a extra outlet for these kinds of things


at what age should a child be given an ATM card to manage their own bank account


like how responsible the child is whether the parents think the child can handle it or not is it you have to


children can be quite , they tend to spend impulsively so it's good to factor that in and


ya and if you really need to give them a debit card or you think it's okay it's best to maintain like a lower balance so that they won't keep spending too much and it's best to keep an eye on what they're spending it on and everything like look through the bank statements


do you have a savings or, okay kay continue continue


no I don't think I don't think we know much about that cause we're not really earning


donations and stuff like stuff that are not taxable (mmhmm), yeah that's kind of just don't do it (mmhmm)


(hmm) maybe in the future when I have more knowledge on that


I guess it also depends on your family condition so we wouldn't really know for a fact until we actually go up okay do you have a savings account if so share your experience and details if not why did you choose not to put your money in the bank


I think it's called a multiplier account oh sorry continue


ya it's a way to fluid you'll be really tempted to spend, ya and there's also, good to develop that habit now I guess so when we're older will leave more money in there and depending on the type of account you have there's also like interest so it's good to keep a good balance in the account so you can get money


, do you have a credit or debit card if show if so share your experiences and details, if not why did you choose not to have a credit or debit


me too I don't have a credit card, it's really easy to just the fact that you have to pay back and you keep spending


especially cause once we graduate we're going to have like student loans to pay off and stuff it's best to not have this on your plate also


do you think couple should combine their finances and just open a joint account


maybe it's good to keep like the some money in there for emergencies but you shouldn't put all your money into someone else's, yeah it's, you shouldn't trust everyone like that, and you you might also not be able to predict what can happen if something goes wrong you might lose all the money if one of them makes a careless


, in post COVID nineteen world what changes are you going to make in terms of your spending or saving habits


(mmhmm) most industries, most industries get affected you can't really predict which ones are going to get hit so it's best to save early and prepare for things like this


how do you manage your cash flow how much of your income is allocated to savings expenses and insurance or investment


part, three negative experience


(hmm) probably the start of this year after A level results, and just, graduating from the whole school system and going into life and uni, ya I just felt really confused then ya it's like didn't really have anyone to tell you how to get out of it


ya cause it's like for the first time you actually make decisions on our own for our own personal gain and stuff and we're not really used to that like most of the decisions are made for us, and ya now that we had to make our own decisions and think about


the long term which haven't really done about done much about ya it was scary


ya that was that make things a lot worse, ya and even people other people it's not really like a lot of what they say can be really helpful cause it boils down to how you make the decision what you want in life


and ya I think that was like a really hard thing to decide and a really hard, time to get out of


oh my god when I see old people like oh my god being sad I'm like sweet things related to old people makes me cry, yeah out of that too (mmhmm), apparently what was that


ya very sad , yeah, ah yeah that's really sad, (mmhmm), is there one thing you wish you could change but will never be able to


, ya have a lot of things, ya same though


yeah cause it kind of makes you who you are


ya basically they would make changes so that fits your century beauty standards, ya I I looking like a clown


(uh huh), ya physically there's a lot I would like to change but I'm too broke to change but , ya in my life too there's a lot of decisions I wish I didn't take a lot of decisions I wish I took, but I guess, ya even if I didn't have a chance to change it I don't think I would


cause everything happens for a reason and we should just learn to embrace it and move on and not make the mistake again, ya and if things if if things always went to your way you wouldn't you wouldn't grow as a person


and when something huge happens you wouldn't know how to deal with it, have you been looked down upon by people in your life


yes very much, (mmhmm), a lot of people ya, even just even just people in school and like ya a lot of people


inferiority complex (mmhmm), ya a lot of a lot of aunties and a lot of you know , ya a lot of family friends, who just don't like see you succeed yes


yes a lot of jealousy, but ya wouldn't let that hold us back we, just ignore a lot of that, yeah and what other people's definition of success is as long as you're living a life that you're proud of that's all that matters


what, popular foods do you dislike and why, oh I hate yogurt though I can't eat that on its own I I can eat them with the rice like indian food but ah I hate yogurt it's so uh


so sour and weird ya if you ask me to eat a spoonful of yogurt I'll probably gag disgusting, is gross okay if it's with fruit maybe I might consider if it's if it's ya, yeah and people do like greek yogurt in that but it's oh it's so it's so weird and yeah they do


ya even that it's a bit of weird it's like a it's sour like I'm expecting it taste like, when I look at it it looks like milk like you know when it goes to your mouth supposed to be sweet and supposed to be creamy but it's sour and like weird I don't like it


oh my god I love milk, you used to drink chocolate milk meiji, ya it's even weird but I wouldn't mind I wouldn't mind that add sugar


yeah okay fine people do it, yeah, it's fine as I'm fine with milk I could drink milk


what sacrifices have been made for your loved ones but were not appreciated for it, yeah yes him, (mmhmm) I guess it's like the smaller things like when you're nice to your family even though you're going through stuff and like you know they don't turn up nice back to you I guess that's like something but ya you don't really when you doing stuff for family you don't really like expect to be


ya commended for it cause you are doing it out of love, and if you are already in looking for something in return then uh that's a personal issue you should work on okay


what do you often worry about the future, yeah, (mmhmm) and losing people, yes that and yeah losing


losing friends losing people the you yeah especially now, ya especially now when everyone's going different places for UNI and stuff, yeah it's kind of scary to think about it's like we known these people all your life like all ya basically in school that was like most of your life


and you spend every single day with them and now like you suddenly, but I guess with technologies can connect with people, yeah


(mmhmm) you don't really actually lose them as long as you make an effort to connect with them, yeah (mmhmm), what do you believe in when you were younger but not anymore and why,


when I was younger I thought people who are older will always right and you know they always knew everything where they really don't, , boomers (mmhmm)


(mmhmm) and when when when we're younger I feel like we just had a rose tinted glass ah, like our perception on life versus, I thought as all nice and we grow up will be so fun but it's not I wish I could we could have that childhood innocence though and so like believe in the world but ya the world is


ya it's not a good place (mmhmm), friendship I probably just I cut down a lot of people who are really toxic who ya probably a lot of people from school and I don't regret that at all like it's great that they're not in my life anymore


ya ya


your life and your time's precious and you shouldn't be wasting it on people who don't matter, even people who like end relationships yeah even people end relationships like actual relationships I guess


it happens for a reason you shouldn't be too hung up on it and you and if it really doesn't work you shouldn't be trying so hard to make it work especially the other person not trying


probably not with friends but with my sister ya I'll I want to get revenge


okay describe a time when things turn out not meeting your expectations


ya most of the time things don't turn out like you expect them to, I feel like most of the time when I expected something I would subconsciously over expected like think of the most ideal situation that possibly happen, and ya it doesn't turn out like that obviously but it just


it just teaches you to manage your expectations, (mmhmm), I mean it's nice to daydream once in awhile but you shouldn't just you should know where to draw the line between day dreaming and reality


ya same , just the way people treat other people


or whatever's going on in the world okay what kind of person do you hate the most, (hmm) probably people who don't care about others like who aren't people who are really selfish


yes, (mmhmm) and


yeah and people who would make others suffer for their own gain


a lot of things , ya but just treating people like hating people over the more superficial things like things they can't control like the race they are born into or the sexuality that they're ya you can't choose those kinds of things people don't just choose


to be something that people would hate like, why would people choose to be something ya that you know people


ya even, even if ya even if you can't empathize with them just don't make their life harder than it already is like people going through the situations are really really hard to figure out their own emotions and just , come into terms that this is who they are


and ya when you go in there and make things a lot worse for them especially when it doesn't affect you at all like it really shouldn't be any of your business ya, ya you feel the need to to stick your nose in their business


(mmhmm) ya, like especially the whole wave of racism and everything going on, like I don't get why there's a debate on racism it's just


yeah and people people are getting killed over it why how human argue you should kill someone else or not like you're no place to decide that, (mmhmm), okay in a post COVID world what are some worries and anxieties you face


yeah and you just going back to life and like being normal again like I wouldn't be able to do that cause you never know when something like this going to happen again I feel like it's just really scary, I really can't think about like a completely COVID free world in the future like I feel like this is just a new normal life to adjust to


to, yeah it's kind of sad that has to be that way but, ya we can't be like carefree and just, ya not give any (ppc) thoughts about the pandemic anymore we have to think about the future and stuff


ya right like in other countries at least for the next two years or something like yeah really bad


probably take like half a decade or something I wouldn't be surprised


and even after like, the medicine and all comes out the vaccines like getting it to people also going to be a hard thing


ya even after the whole COVID things completely gone which is going to take like probably another decade like there's no telling that, there won't be another pandemic or something, yeah you have to be more prepared, (mmhmm) and to be flexible and adapt to the situation instead of just blindly wanting things to go back to normal everyone wants that to happen but you still have to be understanding of the situation


(mmhmm) it's going to take a while like even when the influenza virus came out took a really long time ya it eventually became a normal but it took time to get there, yeah (mmhmm)


(mmhmm), okay, kay what is your greatest fear


yeah same, (mmhmm)


we're done


part two positive experience


what're some memorable moments from your younger days, , we are already young ya probably one of the most memorable being ah our our, experience in secondary school


ya when we used to have all those extra time between lessons and we hang out at the stone stone tables , and we, talk a lot, and laugh a lot (mmhmm)


ya even though they were kind of dumb, ya I guess help us to go together as friends


didn't you have a hamster


!wow! okay hamsters do bad, (mmhmm), must have skype you as a child, what are some genes and goals you wish to achieve before you die


okay probably the main thing no matter what career I go into I I just want to help people and make sure that you know I spend my life meaningfully and I didn't just spend all of it you know wasted all of it


(mmhmm) better


ya I was just want to create a life that I'm happy and I'm proud of, yes, and not wasted away fighting and being upset, yeah, (mmhmm) cause anything can happen you don't even know how long your life is going to be and you only live once


what do you love about life


we're kind of sulk right now, the thing I do like about it is I got to meet a lot of people


who I love and care about and yeah I make a lot of memories I guess that's fun but, life has been hard though in singapore like studying and everything , (mmhmm), we spend so much of our life studying rather think about it


ya it was like we wake up everyday and go to school study and come home and study some more, (mmhmm) but yeah I guess I'm thankful that have people to do it yeah I'm glad I have people to do it with


ya we made some great memories


I guess you would enjoy life more when you grow up and when you actually understand life cause right now we're just like stuck in a system but after you grow up you kind of like have a bit more freedom


(hmm) probably all those random experiences from MRT before came out this


(mmhmm) all that the whole package, (mmhmm), ya I think the pandemic the pandemic really brought out everyone's true colors, when ya when they were suffering with something else like their true character really shine and all the negatives came out which I guess it's a good thing cause


you know it's out there for everyone to see but it just sucks to see, ya it's just sucks to see that this is what the world has come to and this how everyone is, yeah it kind of puts things into perspective I guess


(mmhmm) it's like not no no one's perfect but, relatively speaking some people are just, you know a lot worse than others, (mmhmm) ya and it just I had, shown the way the standards are way too low for being a good person like people


yeah people need to stop you know, ya ya for doing the bare minimum that's not enough


oh my god have you eaten tim tam before I mean no tam tam the crab flavored orange thing, ya the what if you remember the one you you eat in secondary school, (mmhmm) it's really good I also like tim tam


ya ya , yeah yeah that and then it's a orange thing yeah that's probably my favorite how about you, same


I love peas though , I don't understand why you hate them, now ah taste good snow peas are good, snow peas are good the ones and like the white stuff on outside


, I like it okay moving on, , uh describe a moment when things turn out better than expect, (hmm) , I think really but


I guess I've, but I guess at every stage of life you kind of expect the worst like I was going to uni I I was kind of really scared and I was expecting it to be really really terrible but it's even better than I expected, that's good, even though we going to when we're starting school we have like a lot of inhibitions and really scared how things are going to turn out but when you actually get into it it's like a lot less worse and you kind of enjoy the experience for what it is


do you have anything to add


(mmhmm) ya it's like things are just, ya things are just scary in your head when you keep thinking about it and like replaying how everything could be really bad but when it actually happened it's, alright, (hmm) what's the nicest thing someone has ever told you


, I think you're very pretty, , no that's yours, yes okay how about something else


(mmhmm) I don't remember anything specific too but it's like the small things that people say that make you feel really nice


ya I think that's good and you should also do it to other people cause you don't know how much that can mean to them, describe a fond memory you shared with your loved one


recently probably when I celebrate when I celebrated my sister's birthday that was pretty nice yeah that was fun , (mmhmm), yeah it was fun it's like you finally get time to spend together and like take pictures and eat cake and be happy yes food very important (mmhmm)


yes, food brings people together, for me the most recent thing ya it's going to UNI like I grew a lot in the last few months and even before UNI just staying at home during COVID and like reflecting on my life


and reading up things that happening in the world, I feel like I changed a lot as a person I feel like you can also relate with that


(mmhmm) and also I mean grow my own values and stuff like I changed a lot, in terms of what I believe in and what I think is right what I think is wrong


and there wasn't really a situation where we had to learn all that cause I guess we're kind of privilege where we are, but looking at people who aren't as privileged and what they're going through I guess it kind of, taught us a lot , okay what are you thankful for


and even if they don't have COVID ya even if they don't have COVID they can't even go to the hospitals and stuff cause it's so bad and you could get it you could get COVID from going to the hospital or something else, yeah I guess, yeah and you can't even trace back to where its from at least here there's like good contact tracing and if you know if you


ya and if you get it you would probably know where you got it from and yeah it's like control and I guess even pass the pandemic and stuff like the small things in life I'm thankful for like, you were just, having a roof over my head and having like a nice family and being peaceful


I feel like we we we don't really get to think about all that sometimes until we see other people, (mmhmm), ya I feel like really we privilege for that to have a stable life


proud, uh probably uh cooking I don't know, everything I'm not secretly proud of I'm openly proud of you know


yeah, yeah I mean we have a skill it's already something to be proud of, you know learning something new, and learning something ya and if you're if you were bad at something and then you learn how to the the skill that you should be proud of


, kay what was your best birthday present and why, , like yeah probably man,


(mmhmm) okay no no you go first


ya for me I don't think I have like a material present cause I don't usually get like expensive gifts and stuff and I don't spend on myself sometimes, I mean I don't spend specifically on my birthday I'll spend on other times but ya, probably will be like hang getting a hang out with friends and stuff


my birthday two years ago was probably like a nice birthday cause I got to spend it with friends, ya remember you all came to surprise me in my house, yeah that was pretty nice


same that's my every weekend but okay continue


ya I dissolved disappears, sleep again


for me will probably be hang out with friends, cause, I already spend my time really badly just staying at home and being lazy so when I get a time to hang out with people it it has to be like the nicest bunch of people like you know all our friends coming together like I don't want any


awkwardness or any discomfort has to be perfect, and like it's no pressure just us chilling even us just like I don't know sitting at the beach or like sitting on top of a bridge just talking, ya and chilling


ya no phone mainly I I don't ya I don't want any pictures or phones on my perfect day, I just want to be in the moment and eat a lot of food and not gain any weight


ya and you would ya you won't even be in the moment you will just be so obsessed with capturing the moment and just it's a waste of time, what is the comfort food


what is the comfort food that you can rely on to cheer you up, for me ya same, I'm not a picky eater but I really like my grandma's food I think that's like something that'll always makes me feel happy and safe


(mmhmm) this, prior the ongoing global uncertainty what makes you optimistic about the future


yeah yeah (mmhmm), and I think gentry also when more globalized, there's more connection everyone is more social media


savvy which I guess is bad in some aspects so I get to obsess social media but it's good to like be exposed to other views and stuff and revealed more liberal than the previous, ya and we


ya and I think genres, but it's more, I mean not me it's just like but ya are just kind of, independent like they don't like to be oppressed by a higher force


yeah, (mmhmm) ya


part one finance


okay so I think the question we're answering is, how do you invest your money to accumulate wealth and or planning for your retirement, so , one thing I would do is invest in stock so buy shares at low price and then sell them when they're higher


you can also invest in bonds which are less risky than stocks but the returns are lower , so you are loaning money to a company and then the company pays you back interest over the bonds life cycle


are we going to answer another question, okay so what's, strategies would you recommend to someone planning for their big ticket expenditures like starting a family or


buying a house or car I think one of the most important things is to plan ahead of time when decide on a budget and which products fit within the budget


and you should factor in, investment to protect the purchases in the long


okay so , for students their, source of income would be, money through allowance from their parents and then they would probably spend it on


daily necessities like food, and transport and uh, those are justified and then maybe spending too much on would be, things like online shopping and yup


and then uh the next question is should I DIY or get a financial advisor to plan my finances


yeah I yeah you need to have a rough idea of what you want to achieve beforehand, ya let's move on to the next question


do you want to answer that one I'm like drinking water


okay never mind I'll answer that one I think, paying off debt would be , like my top priority, and you shouldn't


make large purchases like house or car, until your debt is pay off


so what are your thoughts on CPF contribution,


but I think (ppc) one downside of CPF would be, you have no flexibility to plan your own finances which some people may want if they let's say they do like a lot of investment and, stocks and stuff like that so they need like cash on hand


so next question what can you do to earn extra income or improve your income level


ya you can teach tuition to like primary school or secondary school kids, as an extra source of income also, ya so next question uh do you think one should own a credit card, so I think ya having a credit card in today's world is


definitely a necessity because it's convenient and , it , it gives you more time to uh pay for purchases and then like credit card a lot of credit card have rewards like vacations and like free


stuff, and vouchers and discounts and things like that,


okay next question what advice would you give someone in order to retire comfortably so I think my, , me advice would be to tell them to plan ahead of time, like maybe minimum, eight to ten years


even though that's a really long time it would , factor in retirement savings and things like that so you need to plan like really ahead of time when it comes to finance


so uh I guess I haven't have enough saving, not really, I mean yeah I do, so I think saving would just be for me to spend money on , I would say food or transport and then the rest of it I'll like keep it in my bank


oh I think, one financial advice I would give to, myself, from five years ago, oh would be to save more money I guess


cause, because of inflation and things like that uh the price of everything keeps increasing, even something as simple as like a bowl of noodles it was like what, three two or three dollars last time, and now it's like five dollars so ya


I think being financially independent would be my first goal when I start working, so I'll definitely work towards that like not having any debt and buying a house and like paying off the mortgage and everything


what was the other one oh I think early retirement comes hand in hand with financial independence cause only when you're financial independence you can retire early


uh I think , I will just leave it in there and not withdraw it out unless like I'm in dire need of it


and I think it's a good too to force you to like put your money aside and not spend it


I think based on what we have read up is uh it works, like how the SRS works is that , after a certain retirement age you can withdraw your money, and then withdrawal before retirement is subject to tax and


I think , for me personally I wouldn't do it but , it would be a good means for people who are not very good at saving and who easily spend money to force themselves to save beyond their CPF contributions


okay


I think uh, that depends on , on the child itself


ya but I would say like maybe a rough guide guideline will be like sixteen and above, cause no matter how trustworthy the child is like I think below sixteen is a bit , like in singapore you don't really need it I I feel ya, , and if they really need like a card to pay for like their necessities or whatever it is you could just get them like a flashpay card and like top up money into that and it works like an EZ link card so they won't be able to withdraw from the bank and stuff


and you can set like a daily limit too like you can set a daily limit on the counter like maybe like I don't know fifty dollars so they don't withdraw more than fifty dollars per day


okay , what advice would, oh no no no, what uh uh what advice would you give to someone in order to reduce their income tax have you done that no right


okay , oh reduce income tax, I think the only way to reduce income tax is to through like , ya through charity and stuff


yeah stuff that not taxed like stuff that gives you, tax returns like charity but then again like , if you are donating to charity just for the sake of taxes a bit like shady also , yeah okay


would you make a financial investment portfolio for your family or children


oh I have a savings account and basically what I do is I just put all the money that I'm not using in there, and then if I need to use it yeah I use my uh ATM card to withdraw or just like pay using my ATM card but other than that all my money's kept in


ya the bank and I think it's good because, uh I think it's good because, you know having it there, ya I mean it's still accessible but it's better than having cash on hand cause if you have like fifty dollars in your hand then you you will definitely spend it on like food or something


, , I have a debit card because I have an ATM account


ya and I need to , ya I think credit card I don't need one now and having one now would allow me to buy stuff that I don't need and then at the end of the month I won't be able to pay them back cause I'm not earning,


ya and you wouldn't want to accumulate credit card debt at a young age and have like a poor credit score


okay next question, I think putting your, trust when it comes to money into another person is extremely dangerous and they might just when things when the going gets rough they might just


ya backstab you so, you need I mean having a joint account is fine but you can't just put your entire savings into a joint account that's


okay next question


I think COVID nineteen taught everyone to be more, frugal with their spending cause you never know when, you'll be out of job and people are very, like jobs these days most shops are very uh interchangeable and dispensable and you never know when they going to get retrenched or


fired or whatever it is and especially when it comes to like a pandemic or global issue uh like a global situation like this ya it's good to have like savings


I think that's not really applicable to us cause none of us are earning but if we were earning I think, for me personally, I would manage it in a way where I would have sudden uh maybe like about


thirty to forty percent , no maybe like twenty to thirty percent being like things that I can spend like the money that I can like spend for the month, and then the rest of it would be divided into a savings account , like an investment account


uh not an investment account but like an investment or bond or something like that so maybe like ten to fifteen percent there and then like a good like a, ya like save the rest and then maybe like a bit to like your parents or whatever yup okay


negative experience, describe a time where you felt trapped or helpless


ya like the long term implications then you all like left in the open because no one really is like helping you at all, like even none no ya really no one helping you you have to figure it out on your own especially cause this year everything was virtual, and we couldn't even go to


their we couldn't even go, cause everything is virtual everything was online so the support systems was even weaker because of that


okay what always brings tears of sorrow to your eyes, , oh like dogs dying


ya like the dog dying compilations on youtube, that is , ya it's really sad like when the owners made their last farewell to their dog , yeah it's pretty pretty sad


ya my nose , I know that's really superficial but I mean like


I could change it but firstly I'm, I've no money, secondly uh , I even though I really want to change it, at the same time I don't want to change it because it's it's it's like


ya and not only that it's like you know it's an ethnic feature like why would you want to, why, westernise it cause, when when you go and get like plastic surgery and stuff , the only thing they do is straighten and and elongated


ya I think westernize it so, that ethnic features like completely gone, so it's like do I really want change it but then again like sometimes you look in the mirror and it just like no , like why's that on my face


ya you would never like yeah you wouldn't be, you, you wouldn't have any resilience or you just be like a snowflake probably everything went your way, exactly, you know how to deal with emotions and deal with the situation and you just be like upset and sulking


my teachers probably, ya


ya like people who think at night who are maybe part of the more popular groups and stuff, or just I don't know people who have, superiority complexes, or like a god complex or whatever


ya I think if you focus too much on that then , you can't you can't keep thinking about what other people think of you


I don't really dislike any food actually like I'm I can eat anything


why it is, good, ya with fruit I mean like who eats a plain spoonful of yogurt, oh plain, no they put like granola that you know


oh I mean I can eat that I'm fine with that, oh oh ya okay one popular food like nowadays in milk okay uh like a glass of milk like who


just drinks a glass of milk, okay but chocolate milk and like flavored milk is a completely different style if but if you think like a plain glass of like cow's milk like that's weird, it it just it has no flavor there's no taste what's the point of drinking it


why would you add sugar that's so unhealthy, I mean I will drink it but I wouldn't like go to the refrigerator and pour myself a glass of milk


I think none I think at this age sure we have really done nothing


we've just gone to school and like that's it like just been in school


ya, what do you often worry about, , ya definitely the future like what is , your life going to be like how is the earth going to be like, , the climate and everything


like it's yeah, ya cause like people grow apart and drift apart and stuff like that


ya and then you won't you'll see them maybe like three weeks a year you know, yeah it is, ya like face time and like zoom and stuff it's like, it's similar so it's fine


yeah that is a big thing that that definitely that, ya but now I realize that people who are older especially like, sixty and up are the ones who are most of ninety five percent of the time like just, not like I mean they do have like some good advice to share and everything but a lot of their perception on like the world and people and just everything in general suddenly judgmental really divisive and this


it's just not forward thinking it's a very very backward way of thinking and you with the pinch of salt,


ya like, describe a time when you ended a friendship or relationship with someone else and why


yeah same here


apparently it's not that like, like I went up to them and said oh, we are ending it right now like nothing dramatic like that but just like you just don't talk to them ever like again like you just don't message them don't talk to them and just don't keep up the relationship because you know, what's the point of putting in the effort if the outcome is not good


ya and you shouldn't be, like upset about things, so if you can do anything to avoid that


have you ever wanted to get revenge what happened that, made you feel this way


it's natural to want to get revenge on people, if they have done something to you like let's say if you get into a fight with someone then they hit you you would want to hit them back, and you probably want to hit them back harder so


a lot of things because, I have heart because I, expectation so I think ninety nine percent of the time it doesn't meet it, cause


I can be very not realistic at times


yeah, reality yeah describe an event that made you really furious


, , I think a lot of things that have been happening recently, like people refusing to cooperate and


yeah and don't respect, (mmhmm) , and people who are ignorant I guess and people who live in a bubble, and who are the web anything that's going to, on around that


ya that can be pretty frustrating


you feel upset over the the world needs to do more about, ya a lot of things can't like pint point one specific, with


, ya or their gender


ya why would you choose to be like, part of the community that the you know the world actively hate it's like they're genuinely that way so, even if you, maybe can't stand them or whatever your issue is that you need to work on fixing you just need to respect everyone and not be just


don't be in other people's business


like when it has nothing to do with you and then you, you're in their business to put in your opinion ya put your opinion and like stick your nose in everything is totally unnecessary, yeah


ya it's it's not something to be even like talk about like no there's no a yes or no or like middle ground it's just like there's, only one answer to it and the answer is that it shouldn't be happening


maybe uh just, the job market and whether you will be able to get a job now that, companies have found a way automate a lot of things, because of you know because they need to retrench people and stuff like that so they found


ways to you know meet their goals on, lower manpower and like with the use of, technology so they may not need to employs many people in the future, so I think that, pretty concerning


ya I think is is the new normal


ya like I don't think it's going away anytime soon, I think will have to wear like the mask, , enforcement would go on at least until like the middle of next year definitely


yeah definitely cause in other countries they're so bad, yeah will take a long while especially for the less developed countries cause, for them it's like it's really hard to eradicate like a disease like this


ya the accessibility , may not be there for everyone and for every single country and like a lot of a lot of government ah you know caught up and they have other goals


so it's going to be really hard when they don't focus on, like COVID like in the US, like they know how serious COVID is but, they prioritize like economic


(hmm) ya I think another thing that might happen is like , our body will also like develop immunity, , to COVID most probably and I think most of us like in the future maybe like in the next like maybe in twenty twenty one twenty twenty two I feel like most a lot of people would have been


impacted by COVID but you probably be asymptomatic and you would recover within like two to three weeks , so it's not like oh you have to go to the hospital and like the whole routine


ya I think in the in singapore it was it was done like with really fast like it happened in two thousand three and like by two thousand four we were completely over it but other countries like, the lesser developed countries and countries that don't have like as good hygiene and their water isn't clean and things like that for them also like pretty bad


I don't really know actually like I know a lot of people will say that but


no I'm not really scared of that yeah (ppb) okay


okay, positive experience


some memorable experience with ya same, would be would be just like the times you have in school, and the interactions you have with the people in school , and being carefree and not really having any things to worry about


I think another memorable experience would be like the arguments too


in a way cause they were, ya like it was it's quite funny you know looking back at it, yup , okay so talk about fond memories of a pet that you have or once had I think none of us had pets so


no, ya but like it aid each other so never mind, oh ya so basically the the mother gave birth to children, eight ya eight children no it was seven, oh no it was six


it gave birth to like a few children like multiple children, and then , the mum ate, the babies alive, it just devour their life right after giving birth like uh


oh ya it was weird


yup I think traveling, definitely like travelling to every single country, in the entire world, and , buying a house, like buying buying house that I want to buy


, and paying off the house so I'm not being in debt, by like thirty five or something no by forty, ya that will be


ya like just not waste time what, at anytime, yup , ya exactly,


(hmm), currently not much, because you know COVID we have to stay at home and can't even go out freely and do anything so it's it's


it's not the best , I think not even like currently not much but like throughout the nineteen years that I've been alive not much


yeah it is it is really hard, , ya like ninety nine percent of it


yeah was pretty boring, and it's very routine also, (ppc), yup definitely , ya I think just like the people


and like just the random experiences and like the random funny moments and stuff like that that you don't even remember but it happened


describe an experience where your faith in mankind has renewed, I think for me this past year has been


my faith in mankind has not been renewed it has been the complete opposite, just with everything happening and people being irresponsible and racist tend homophobic, yeah, and like people not wearing masks in public


and things that like ya, ya, true colors yeah and expose everyone


ya then you'll just know who to avoid, ya I feel like most people are just not like decent human beings


ya the bar is underground, praising people for the banned necessities, what was your favorite childhood food or snack


oh yeah yeah yeah I like that , is the red color thing right, , ya it comes in a mix that has like piece and stuff and then there's that that thing ya, yeah, the only thing I eat and that makes us studied thing


, I don't like anything else I need peas


oh no they are


ya nothing really sticks out


it would be, like the COVID situation, cause you initially I think it was really scary and it was really bad but now you know what to do you know you just need to wear mask , you need to maintain hygiene and, just, if you stay stay at home don't go out


go to doctor get to swap their, time so, you know that like oh that way to manage it so it's actually better than expected is not that bad, at least in singapore it isn't


oh that's yours , oh is bad oh you what , I think I can't pinpoint the nicest thing, off the top of my head but I think everyone is


in army is pretty nice in general, you know they're not not too bad, , ya


ya mine also same thing , yeah and eat cake yup ya, like just eat good food and ya


so that's pretty nice , yup with the leaders , tell talk about a time when you experienced personnel group


ya I can definitely relate to that I think just being being more , aware of, everything that's going on now has this, changed my perspective on a lot of things and my outlook on a lot of things


yup , ya same like a lot of that like realign for me, after becoming more aware cause I feel like maybe we were kind of like sheltered or like in a bubble slightly


I think the basic stuff like help and, food, and being in a country where the pandemic is controlled well, and whenever you step outside it's not like oh am I going to catch COVID then die


because in other countries that is the reality of situation like if they catch COVID they don't even have access to health care and there's no beds in the hospital and they would


or even like from just stepping out of your house, cause no one wears a mask, ya, ya like whenever you go somewhere you need to scan in and stuff like that, ya


ya super control, , ya ya same same


what is the skill or an ability that you are secretly proud of having,


ya same I'm not secretive about it , yeah yeah, there's no reason to hide it


that's a great question , uh, oh I think oh oh okay ya you go first, oh oh I think it was was it last year, yeah was last year, for my birthday I bought myself airpods so that was nice


I think it's the because usually I don't have, I mean I wouldn't I mean, I've never bought myself something on my birthday before , so yup


ya true also


yeah that's nice, oh when was that, oh yeah


describe your perfect day, oh I think my perfect day would be waking up pretty late like maybe one PM, at , yeah so okay not one I think one uh a little bit too late maybe eleven thirty


and then going for brunch, so like early brunch or something and then, but, uh no actually no I wouldn't go out I have to stay at home because , going out won't be the perfect day so the food has to be delivered to my house


and maybe like seafood, like crab and lobster you know , and eating it and then, ya eating that, and maybe like watching a movie but like after I eat I


shouldn't need to wash the plates or wash anything so I just eat and then, ya and , and then , , ya probably yeah just being like lazy out the whole day or something


, ya that's also true


ya and like no no phone, no phone and no pictures, yeah yeah, ya definitely no pictures cause like once you start taking pictures you'll start taking like three other more and then the whole outing it's just taking pictures


I think for me I'm not a picky eater so I can eat any anything, ya like anything that tastes good I'll I'll eat it


I think like gen z is, really different from the other generations cause the other generations are just, homophobic misogynistic , and, okay not everyone but like a lot of them are and maybe not in okay in singapore is not so bad but like in the world agenda


yeah exactly and I think everyone like even the ones in like, our generation or the younger people or millennials or whatever in general who are, quite conservative in their views not that there's anything wrong with that but who are like, oppressing other people


they like you have an opportunity to educate them because of, social media and everything, and a lot of them aren't as stubborn and they're okay with being educated and like being called out so


being like in assist in a legit system they find comfort and that but I think for us is like opposite like a lot of people in this generation they are against like capitalism and like things like that so okay ended okay


what what what is the what what is the name of your insurance provider


oh okay okay so that's your personal, accident hospitalization ah okay okay okay uh yes I do I have a personal accident insurance plan that's under uh income as well


and like similar to yours, I do get, uh, remunerate uh I do get paid when, I'm hospitalised and uh, and even when I take MC, and so it also covers me like for both


government and private hospitals so , like roughly how much do you pay for your, monthly or yearly premium


so what about any like endowment plan do you have any of those


oh okay so in the sense like you can you can get a payout in twenty years, uh I oh yes yes okay I think I've heard of this, like so the longer you the longer you wait till I mean like


like you said hundred twenty years, uh, the longer you wait to cash out the more it matures and you get more lah


I've heard it before like someone say like if you're gonna go for savings plan save big, if not it's like you're not going to see the difference


so like like roughly like uh, like now you say you are working and like so roughly what's the rough percentage of your income do you spend on insurance just insurance alone


oh ten per cent oh okay, ah ya I mean whichever it is lah I mean ya maybe your income after your CPF because that's what we're, getting in cash right


so maybe out of that you're paying insurance so


uh twenty percent of my income, or more maybe twenty five because I have like personal accident and then I'm also paying for a whole life plan which is a life policy, thing, so actually it's like a very long term, so-called like retirement plan I guess because I'm going to pay for the next twenty five years


so ya uh so ya, easily about twenty to twenty five


ya I actually used to think about it every every every month I actually think about it when I make the payment I'm like why am paying so much, but then I guess it's just for like, the security purpose like I do get the I do have the assurance that if anything goes bad in the near future


or in the long run like I know like, uh like if something goes really bad like I die of course then at least I know like my loved ones or my next-of-kin gets money but if something as bad as like maybe disability or illness then I do get some money to like to like to go for treatment or to help myself uh in the following years


so because at that time who knows maybe I won't be able to, work and support myself so then this money will be useful to continue on, to live the rest of my life I guess or at least to pay for medical bills or whatsoever, so when I think about that then I think okay


lah actually not bad lah just, let me just pay now lah suffer and pay now


when my parents to insurance then, I tried to uh like they tried to make a meetup uh with me and their insurance agent and then so I've stuck on with him for for quite some time already, and so


he was the one like advising me on what kind of insurance I should, take for the kinds of sports and all that that I'm playing and uh maybe what he was wanted to question me like what are your future plans and what do you see yourself in like do you want to have money like in the near future or in like like retirement stage and then that's when I decided okay why not go for you know like the whole life plan lah the retirement plan instead of like something that uh I might not get much maybe in like ten or fifteen years


or something that I'll get much more in twenty twenty five years


uh actually he's like a, he's like a wealth management person so, uh he's he doesn't really work for any, specific insurance company, so when I go to him I tell him what's my plan then he like lays out like maybe four to five plans or two to three plans and then he tells me this is the premium and this is the benefit


so you see which one you want lah like like which one is better for you and then of course when I ask him okay so personally which is your, your most recommended then obviously I take that lah because we have the he has the reasons behind it like probably maybe even if I save like, ten dollars per month it's still a savings right


that I'm going to pay lesser instead of taking plan B and taking plan A so ya so I guess mostly is because I pay lesser, for something that I will get back uh, around the same as others


so that's why I'm, currently currently I'm taking income as well, for my whole life plan, previously from aviva but now is income


do you like get insurance like, when you travel or when you buy a car do you have a car oh okay oh okay it's okay it's never too late uh uh, then what about when you travel do you travel for


uh ya I actually used to travel a lot, uh, so when I travel I definitely try to take uh insurance, but then when it's at least more than, uh


more than five days or something like even to thailand sometimes I do take because I feel like it's very important when, like you may never know what happens like in the streets like maybe you lost your bag or someone pickpockets you and so this kind of travel insurance really covers you and helps you at that moment


rather than you like you like being stuck and like panicking don't know what to do, so I think like I feel like out of all the insurance I mean uh ya, like, like travel is when you decide to travel I think it's one of the like


the necessities you should have it's a must-have before you travel ya so then so like ya


uh ya I I do own a motorbike, so because of what my bike from, so it's compulsory that


year few years that I am taking loan from the shop they will be the one providing, the insurance so of course it's covered uh in, terms they're covering their, their side by uh, theft and all that so I have to pay a really high


premium of like uh, five hundred per month per year, for the motorcycle insurance, ya so for motorbike or cars I think I'm not sure but uh for motorbike I'm very sure that uh if you take uh if you buy it from a shop firsthand


or secondhand but then you are paying a loan to the shop every month, uh then they will choose the plan for you, based on your riding experience and maybe probably, your your history maybe, of uh maybe uh let's say


uh accidents or whatsoever, so they will get the best, uh best interests for you and also uh depending on the, the size of the bike you know they say like two b two a so depending on that uh the price varies as well, so


ya motorbike insurance is very important as well because like you know they're very exposed to people, so sometimes like ya sometimes like I get I mean even cars lah but then motorbike is much more common, between me and my friends like we park the bike and then sometimes we come back and see the bike is on the floor you know, uh I mean never happen to me before but then when it happens to uh someone else then


then, this kind of thing you can actually claim insurance, but must have, must have proof lah actually if not like they will say eh you do yourself right that's why, you come and claim and #gao dim# so ya I think that's like very important as well and like you know like like like like what what kind of insurance do you think is very essential like for for people like around your age


like don't mind me asking you like roughly how old are you, oh okay okay so like like uh I think we quite uh, around the same age lah so like what what kind of insurance do you think is essential for like people our age


okay ya actually I heard of insurance I mean investment also but I've never really gone into it yet yet maybe, but then , ya I I wanted to check with you like roughly for your plan that you mentioned like your medical plan like what's the coverage you are getting


like, so like is there like a are you like covered for, hospitalization everything up to how much, like ah okay actually ya


okay and ya and but you have to but uh you're covered only for ninety percent lah if I'm not wrong


ah okay so so so, yes because I remember like


yes yes yes I also like I also I think it's quite recent right like because like quite sometime back uh a lot of them uh, were saying like there's hundred percent coverage you don't have even pay the thing, but then suddenly my insurance agent like told me like no lah uh now is only ninety


then I was like okay then if I like if I like then I was telling him like if I like they say you all giving coverage until like one million but then let's say I get a very bad disease and I have to pay like one million so what I have to fork out hundred thousand if they paid nine nine hundred thousand then he said no no no ya there's a cap like you said ya and I remember now


ya so like, uh are you going to look into investment like anytime soon oh okay that's nice oh okay alright thank you


negative experience, hi shantel hi okay uh how are you are you feeling okay


alright uh oh why you sounds do you sounds quite sad, , is there something bothering you


oh you mean you're you're referring to the like the circuit breaker the COVID period is it, I see


oh okay actually ya I wanted to , like I had a bad experience recently and so I just wanted to like talk it out to someone lah like , so


uh, there was like I was like having a nap and then I had a like a very bad dream and then like like I really like my dog a lot but in the dream like something like , my dog like passed away and everything so


that like like like that really like saddened me and then and then when I looked at it I realized like actually you know like, uh like dogs are really your best friends in your life and then I became like me depressed like thinking and realizing the fact that actually I might leave him like uh I mean he might leave us earlier than


uh sorry sorry so uh actually gonna uh yes yes ID, okay ya so


and then uh I was like really really sad that the fact that , uh my dog might leave me some time and like uh so that made me like realize like I mean uh it's a animal uh a friend that


you know can't really express uh his or her feelings and so uh we are all that, uh mindset he so he I'm all he wants and wants to play with me and all that so it was really very said the fact that uh


you know they don't really live as long as humans the average lifespan so ya I was very upset about it and ya I started like uh spending more time showing him more love I guess currently


ya right so


oh no okay


, ya definitely


true true, ya


oh actually eh I got reminded or something like when you said ACL because like I'm a football player I was a football player and then so you know football players like uh ACL is one of like the dreaded injuries right so like I uh ya so when I was playing football professionally like


I suddenly out of like throughout my life since young I was playing football and then like uh suddenly like uh like out of nowhere I got injured my my knee just got stuck in the football field and then I tore my ACL lah and then I feel like everything just went down at that point because


I was kind of facing a tough time uh in my relationship and then that happened and then like uh and that was the only thing that like playing football is the only thing that kept me going uh but then and so really I like I like kind of like almost went into like depression because like I didn't have an outlet I didn't know what else to do like to to come out of


uh like like that whole uh, phase lah because like I nothing like could cheer me up and so it really sucked because like all my friends were like playing football still going to play football but then I was on crutches and everything and like


uh worse still like I had to like really wait it's not a injury where it like heals in a month or two but then is like almost wait for a year to get back, so I really like had a really tough time like this was like just two years back and and so when I think about it like uh it kind of like made me realise like you know it's very important to do what you like and do it as much as you can uh because anything can happen anytime and like you might not be able to


do what yoo you love doing all the time , so that's one thing, uh that's like really really that was like an one like my most heartbreaking moment in my life you know, like what about yourself like I mean don't mind me asking like which was your like is there a heartbreaking moment in your life


okay


oh okay okay


okay ya ya ya


oh okay


oh no okay, okay okay


so like actually I just want to check like your view on like is there like a best friend that you had or someone you were really close to you and then they like kind of like betrayed or backstab you, like


how did you take it were you like, were you like how ya how did you take it like did did something like that happen to you before


ah I see


I see okay , actually , ya I was like I had a close friend lah and then like he kind of betrayed me when I was in NS like because due to NS I had to go to like training came and I was like out for exercises


so like , like I would only meet my uh ex girlfriend then like uh like maybe in on the weekend in the weekends and all that and maybe like if there's a nights out in the midweek but then there was a and then this ten fourteen days that like I couldn't I was I I knew like I was going to go uh for a long


exercise and then like like uh so like my friend like use this opportunity to get close to my girlfriend lah at that time, and then uh that's why I couldn't really do because like sometimes my phone wasn't with me or uh I wouldn't be able to talk to my ex girlfriend so


uh then I realise like eh how come like uh and then I receive like uh text from my other friends , and some phone calls saying eh uh I think like someone saw uh him and her together you know, uh is it then I said I don't know


then I I was thinking like !wah! hopefully like you know she passing something to him to pass it to me or something but then it turn outs to be like they had something for each other and then I was equally angry uh with both lah but to be honest like at the moment it was like really really anger with


I was really damn angry with both of them but then slowly on I realize actually more than the girlfriend like that my my ex girlfriend I was really very disappointed with my friend you know like more than anger it was like disappointed because you know friend is someone you trust


with sometimes you know they say like like friends like family you know like so like for me it was like sometimes like friends more than family and then like when when he knows what I'm going through and he knows how are things between a boyfriend and girlfriend during NS you know and that kind of things


like uh you're supposed to like have the respect for the friendship what and and not do this kind of funny things, so I was really and then I was kind of like ashamed lah like with the friendship we had and then like uh it was really damn upsetting that that you know you trust someone and then they just like betray you like that


and then like the worst thing was like when you come out and you know you know what's happening because like there was even like photo video evidence and then they you know like they like straight, deny it to your face so like !wah! that one is like !wah! unbearable like like it it then again again from like from like disappointment it goes back to anger you know like you just want to


give your piece of mind like punching the person or what because like eh come on I know you doing this like you no need to lie lah at least be you know, straightforward and be honest about it and then just just get away from my sight you know


so ya so like I mean I got ever hear this kind of stories from my NS friends, but I never expected it to happen to me like just before I ORD you know like I was thinking like !wah! not bad ah like this whole two years like , actually we we did it we didn't really have much problems but then towards the end like this had to happen and then I was like !wah! actually ya like you know


maybe it's just like uh I've heard of like phrases like you know like uh distance makes the heart grow uh fonder but then in my case was a bit bullshit lah I was like was like !wah! our distance was like you know maybe she needed she missed the attention and then she was going to someone who was


giving it to her more or something, ya so nothing like that happen to you before like in terms of relation, then then is there a moment like you really very angry like you wanted to do something to someone or something


oh okay okay


ah okay ya,


oh oh yes, ya


I also feel like very similar to that the fact that you know there's so much of like like violence and, shaming and bullying around the world is like really not fair because I feel like everyone in the world is equal and we should be treated equally and like what's the point of like like especially when


it's so sad when people humans are killing other humans you know we should be there for one another and not so it's really very upsetting that like innocent people who die be it like a gunshot or being a terrorism attack or ya


ya, okay


, (mmhmm)


oh ya definitely


ya like like, I mean like all these people I I I don't know sometimes I feel I I also feel like the same like you know like all these people like eh come on lah you you


you really you getting upset and you arguing for this like you know you know even like people who like you know like just outside in a coffee shop or you know where they like they fight with people they argue or even I've seen even arguments like over Choped seats you know


like ya like someone put tissue paper then the other person come and push the tissue paper away and then are fighting like come on lah there's more world problems that okay lah I mean at the moment you are like you were you you Chope the place and then someone take over but then , like why so much of hatred like just move on lah just okay lah just just okay that person decide to be a lower person and take over your so-called reserved or Choped place then just be a bigger person and then just


find another place lor I mean so like these kind of things like really do upset me like why the world have to be so cruel especially it's it's so so sad that number one we are so we are so, evil and cruel to each other and number two we are we are doing the same to like animals and nature mother nature that that it's not fair to nature ya


I I feel it's unacceptable too


positive experience, hi uh how's your day today I hope it was good


ah alright so lucky okay so like uh, oh mine was good too okay uh I mean uh I wasn't work from home but uh I was enjoying myself at work uh learning a lot of new stuff and all that ya so like is there maybe you can share with me like your favourite movie or TV series


oh my god ya tell me about it ya


oh, ah okay okay like uh, ya I think very similar I mean like I watch money heist


uh I I love uh sherlock and ya I, do watch oh ya uh something that I'm still watching is modern family and like uh ya like you said it's always cracks me up and it it's so nice it's so casual you know and it really like uh everyday life kind of like a thing who's your like favourite character in modern family


okay, ah ya I think he's the best too ya okay


yes I think so too like he's very sarcastic and, ya alright okay so like uh did you have your dinner, like, oh okay


oh my god like uh you sound like a real foodie I guess


ah so like uh uh ya I love eating as well well I mean I like trying, and going to like uh new places and interesting food , but I don't think I do it daily lah like you go and google and all so uh I guess uh uh I do I do I mean if something new comes up and I'm like really very excited to go and try it uh so like since you are such a foodie like what's your favorite food like what really makes you very happy


okay okay at least one lah one just say one


!huh! okay what about malay, [orh] same


(uh huh), oh okay okay


ah oh where is this okay I should check it out do you like know a name the name of the place or something, okay I'll definitely go check it out and try it lah because I can hear the excitement uh in your voice of how nice the place would be


, okay uh then what about your favourite drink


do you go to chomp chomp often, ah, !wah! so specific you see you are proving yourself a foodie again, okay uh ya


ah, yes yes that's also like one of my favourite, (mmhmm) oh, okay okay I'll try that place uh what about myself like


oh food oh okay uh actually I like #lok lok# and do you know #lok lok#, ah okay so so so like like you know like now there's circuit breaker and then we can't go to JB and eat #lok lok# anymore so like there's a few places that I mean uh since you spoke about chomp chomp there's #lok lok# in chomp chomp it's really good because the chili is quite spicy


ya but it's quite pricey lah like the when comparing the other places and then, oh you know about happy #lok lok#, yes okay so there's like a new place in Punggol and then like it came up and then I I saw it and then like I went to check it out it was really good like the chilli is not as spicy as


chomp chomp but what the the variety of the products or items they have the food items is really good not too bad and it's cheap, ya right ya


happy happy #lok lok# is it ah actually I'm not sure whether you know but there there there's one more #lok lok# place in in Punggol and is like uh at marina country club, yes it


I think maybe maybe uh so so so it's like a restaurant in the day and then at night after ten it there's like #lok lok# there and so it's ya ah yes but this just just one of the alternatives lah ya probably I'll rank it third ya


so ya then other than that I'm okay lah I'm not really a foodie foodie but then uh like maybe


oh actually , okay like probably if you are asking me like what's my hobby because I can sense it that your hobby is eating


my hobby I would say like it's like uh I go on bike rides with my friends and actually more of it is like uh I play football a lot , so know it's really said that I can't play uh football uh during the circuit breaker but then it's okay I still like play computer games and like uh uh with my friends you know over playstation


and , and then uh yes when I go out it's like go out for shopping and uh maybe do activity is like maybe trekking and uh uh recently I started rock climbing so that's also quite interesting ya so those are like my hobbies