ah, ya lah five recently as of now lah you wait for announcement to come lor, probably when the numbers go down, ya they release more numbers ah


ya ya you you miss the gathering for me I miss my JB trips ah,


my regular, for me is a regular trips that I go in every month uh uh uh uh so blessed with the ah friend who drove us in you know pick us from the doorstep to the doorstep you know and uh everywhere we go is like you know


uh, we can go where we want lah


ya lah now cannot go out country lah, never mind, lah you go Sentosa you go to all those uh, all those attractions ah, they giving you discount, ya not fun


ya library you all can go lah this one is like !wow! no more cheap food cheap cheap uh things that you want to buy the long drive you know that you want to get


but actually for you you are actually a more or less in the same industry right except that uh, you are you are you are still though you go to a new company but then you are still back to the same industry you know in terms of insurance, uh what I mean oh what I'm saying is that even though you have changed company but you are still doing the same you are still in the same industry what


think uh I will look at it this way lah, uh though the although I didn't had the chance, to retire at the age that I would like to retire, you know I had uh you know kind, of like pre-retirement, okay so I left earlier, than than than what I wish I could


uh you know work beyond the years lah, then I realise I once I come out from my so-called uh regular job, I realise that I'm so much of covered you know you are so secured you are so protected you are so covered you, know and, uh you don't know what's actually happening outside


so when I left (ppc) and I go into the private sector !wow! it's a world of, difference complete world of a difference, I have uh track, uh, jobs that I always wish that I could have done it when I was you know younger or I could have got into that uh kind of occupation you know that kind when you were younger so I went to try everything you know almost everything I have uh


even in terms of location I used to work on the west for the many many years of my life but now I begin to work, all-rounder I work north south east west you know so I covered west so I'm now towards north south east so in terms of location you see


I had covered so many areas, in terms of job I had done all kinds of uh, a a different industry I've gone into it whether be it medical be it retail in or be F&B I've done everything I've tried all, okay


so now I began to appreciate all those people you know who are in the private sector the pay that they work for the work that the they work for the pay that they receive don't really match it's all hard work but their labour is so cheap there's no, value in whatever they are doing


it's very very sad lah, ya so I felt that those who are working and you know big companies cooperation, you know, everyday under the aircon you know they have, proper lunch they have proper tea break they have eats they have bonuses and all that but when you going to the private sector you don't enjoy all these kind of benefits


so to me is like I have outgrown all these lah you know, so, so I I don't stop working per se I will I'm still doing you know for me age is just a number as long as I have the health I have the strength I will go and do whatever I want to do I want to make full use you know


of what we have right now lah not so much of material lah you know you can go out you go and socialise with people you know you mix around go for courses you go for training which I really enjoyed <B>, so all these will you know


you you you you will become a different person lah you know, because, I I have actually went back to I was called back to to work for my old company, and I saw my old colleagues there and I see the way they behave is like they are very happy you know where they are you know


they are just contended you know uh you know, whereas when I look at them I look at myself I said !wow! I don't I did not miss anything in fact I gain a lot lah, I learn to look at, many many kind of people and different, angles, different backgrounds you know and all kinds of private sectors' employers you know


that you you you were it's it's, so different lah you know from your corporate world lah so all those private sectors' employers are not easy to work with as well okay pay peanuts they want what, yup the monkey is right


ah so, I I find it's very tough lah actually, in the private sector ya, so I don't really stayed on for any of this, private sector because I want to continue to, grow learn new things you know so I always like to move on, and learn new things all the time


ya so I find that ya actually growing a lot lah if I've stayed in the same place I would think I'm still like, the same all my, colleagues I don't I won't really see the what's the world outside like, ya


I mean like for now we can start off, with a, simple savings account where, we put it would put money into like a fixed


maybe we can like talk about investment bonds and mutual funds also like in addition to stock market cause those are some ways that


I mean ya it's a very personal decision for them to like choose where to invest and how to invest, but I guess, at the end of the day it it is about investment and it's important that everyone does


basically buying a car or a house it will usually involve taking up loans, so nonetheless it's important to plan early and start saving to lessen the burden when you have to eventually pay the interest for the loans that you take up, and it's also important that you review your options and you choose something that's within your budget and you don't go for something too fancy and out of your budget so that it's easier for you to manage


I mean that is a very personal decision for a car or a house it's a bit more common for everyone to do but when comes to starting a family I guess it's really about you and, your expenses and what your family needs in particular


right your partner or whoever is going to be making up this whole


and job security also it has gone down, significantly and, because of that people are starting to save more and, you know not go into purchasing and, buying stuff right now, so I guess it's going to be more skewed towards


saving and, investing maybe but I guess it's also risky so a lot more to saving


so what do you think about the financial independence and retiring early


I mean like just like you said, that's the freedom of choice, and even if they want to retire early the uh sort of financial independence that they have plays a key role in it cause, the more financially independent you are the, , the easier it is for you to make a choice about your retirement


which also comes in with security so that you can have a safe, and , safe retirement life without having to worry about a lot of other things, ya and


for retiring early honestly it's a very personal decision and it has many factors such as, the nature of work and individual preferences so at this point I'm pretty sure both of us don't know what our uh retirement plans are , but I guess it I guess that's why our financial independence is very important cause the


fact that we do not know what is exactly going to happen, if we are financially independent we can at least have a lot of options that are open for us to choose


well for debt itself I can't really be very sure about what to, how to help this person or anything because it's something that we've not dealt with yet and I hope not to in the future too so, but I guess it's, it's important it I mean again it just comes down to planning


your finances well so that you know you know what you going to be doing and how how much it's going to take and, you don't fall into such


again it is a very personal, preference but it also depends on the spending habits of individuals, because I mean if you are disciplined enough to know how to use your credit card know your limits your the card's limit your own budget I guess it shouldn't be a problem in fact it'll be very handy in a lot of situations but if you're a person who


has very little awareness for such good habits I guess it's better that you don't have, one so that, you won't put yourself in a position where you fall into debt


for the cons ya the interest which you are going to be accumulating over the future is, that's going to eat up into your income and, all your necessity spendings that you might have


ya there're certain caps for the month where you can set it, that you can only use it use it for this amount of money


CPF I mean we've heard a lot about it we'll most probably have that, when once we start going into the working world, and I think it's actually a, good scheme that the government came up with because it kind of forces people to save


when they get older


it makes sure that they are secured and safe when they eventually retire or towards the, last few years but I think the one drawback would be that, autonomy is lost cause it kind of restricts on, your income so ya


so for example if you are a person who's, very well aware of your own finances you know how to take care of it I think CPF might be a bit, of a trouble in the sense that it's kind of, , eating into your personal space on how you spend your money and how you use your own money


but, other than that the whole scheme itself


I don't deal with that yet to for my family so


right it's it's very important that you pay your taxes and you pay it legally


have you heard about the supplementary retirement scheme the SRS


it's it's an extension to the CPF kind of so, the CPF kind is for everyone in singapore who works, and the SRS is like, making an option available for those who actually need that extra support so I think


in that sense it's a great scheme


I mean now right now in this whole COVID situation spending, has not been on the goal so but usually it's not a lot I am very careful with, my budgets and, I'm still not financially independent so, that's also one big


factor to why I'm very careful with them , but I think even when I start earning I am a person who would be, I'll be super organised and I'll know my finances I'll know what are my needs and wants I'll differentiate those


ya you can't just say that, you know [orh] these are luxurious things, like not right and stuff like that it's it's more of like an individual's, own decision where you know for yourself what's, a want and what's a need


now I most probably won't need one, cause it's not just finances I'm usually very organised so it kind of carries over to this also, but, I guess as we grow older and, our finances expand


depending on how big that is I guess we'll, see how that pans out


we don't know we'll most probably just try to figure it out ourselves now and then if we need one we'll go for it


even then these are steps that we take, by ourselves I, it would be better if, finances managing your finances becomes something that's taught in schools, because, it's very important to start early all sorts of exposure that we get about finances is usually from home we overhear our parents talking about it or somehow but it's never like a topic or a subject that people actually sit down and teach someone when it's actually very important in life


ya like simple stuff about savings accounts and perhaps crash courses about stock markets and what they are just to give them the idea that these are all available and you can actually you know start investing or using these things to your own advantage


the students they don't they wait till, they have been earning for quite a number of years and, then only they start thinking about it when if you actually start early that's going to be of a huge help to yourself


it's easier because, well it's more available to the students


not in particular, but, I think having a side income source of income, for you to have that passive income coming in would be better so that, your primary source will be the biggest contributor but


given that that is not there for a certain period of time I think it's important that, you have a


part three negative experiences


it's not exactly goosebumps because, it's it's, it makes you feel very uneasy and uncomfortable, and it's like almost, you were in a place where you can't help


and those feelings really eat you up because you feel so handicapped about it you just can't do much about it and, even for the donations that people start you just don't know if that's really helping them


been but it's not, very serious where it's, you know it has a very huge impact to my life where I can't get up, or get back up on my feet


uh that I mean that's very common but I don't think it's anything, gravely wrong, because we usually ya think through, the consequences (hmm), what about an event that has made you angry


pretty much sums up everything ah today discrimination, and right and with, this whole COVID-nineteen situation it's not that we weren't aware we were all aware that, these are


the things that have been going around in the world but with this with everyone being confined in their houses in their houses it all comes crashing down all the information comes flowing, at the same time, and you're so overwhelmed you don't know what to stand up for where to raise your voice how to help


and I think that feeling, really killed me when I was so hopeless I knew it was all wrong, I knew things people are going through such terrible things but, I was at home and I couldn't do anything, people were posting about it people were making videos about it talking about it but for me I didn't know how that would help and


I was very confused actually, and it kind of pushes you to this point where you just want to shut out everything and kind of distance yourself from


whatever you were listening to which doesn't help either, but it really pushes you to that extent


people in power people who could possibly bring about change when they don't go for the right things, it, really collapses the social structure


going to take up a long time for you to change like for us we can be like [orh] it's the system's fault it's this it's that but it also has to come from within every individual has to feel for it because, at the end of the day, if the entire society, could go for one cause it would usually work out


it's just that it's so scattered there's always a division, that all these discrimination problems come in


I right it's important that individuals start recognising that they have


way more power than they than they think they have, when they get together, but ya I think this whole COVID-nineteen situation, this is something that has been very problematic a lot of, inner conflicts actually with myself itself not knowing what to do


wanting to help and just, totally blanking out


when people don't give me my space, when people think that, they are entitled to whatever that's happening in my life where I, have to tell them where they have to know what's going on uh like, I really need space I, I need my personal space no matter what


but uh, at many times people just don't, understand that, they just keep intruding into your personal space and, they don't give you the piece of mind and, they always have something to say about your life


they don't know what, your journey has been they don't know what you want to be in the future, and all they have, and they're just full of advices that, are at most of the times just irritating for the person who is very, focused on his or her own dreams and then you come up with random advices that just kind of derails whatever they've planned for themselves


it's just ya that is something that really disgusts, me, I mean I think for me I find it very easy to recognise that a person needs their personal space and then let them do what they want to do if they are willing to tell you or share something about their life


you listen to it if they ask you for advice you give it you just don't go around like some advice giving machine and just ruin other people's lives


ya they make entries in your life in the worst moments possible


just dives in with what we were talking earlier that's the thing it's there has not been a particular issue cause there's so many issues in this world, that did surface my issue that there's so many so and there're so many of us and I don't know what


which one to focus on like I want to help out in everything cause, it's everyone is going through it, global warming's there discrimination under discrimination there are so many sub, categories and ya


racial everything class discrimination, and, right the systems


right right, so that makes me even more upset the fact that, there're so many issues that needs to be that needs focus that needs attention, but, people are just not giving it that much


and, you know sometimes you just don't know that a country even exists but people are going through so much, so much in that place, and then suddenly one day you read the news about it and then you're like oh !wow! it


so we never knew about it all this while


with the media coverage, journalism all sorts nowadays you don't know what to believe, because journalism is also kind of getting, played by who's in power who's in authority what needs to be said what needs not to be said


ya, so ya there there are issues, like by themselves and then how these issues are brought to the public


we can talk about all those economical strategies and what the government can come up with but, I think if it's up to, each and every person if, they want this problem to be going on because first of all, the disparity between like the rich and the poor


that is an insane gap and, there're so many billionaires out in the world and if we actually take it into perspectives, having billions to your names I don't see what they're going to do with it fine you worked for it you earned it but, billions man


your there're going to be a lot of generations that can sit down and eat without doing anything with those, and it's not even about just


giving it's about, kind of, putting it into good use where, it gives them a sustainable living, especially the whole billionaire concept it's actually very insane


that amount of money can definitely eradicate poverty and when you read up about all these things when you know that, !wow! it can actually be changed it can actually be eradicated but it's not going to happen it's just like !wow! I if I had that power I'm pretty sure I would do something about it


well have you seen any movie or like a particular scene and you've gotten angry


happened like from the start of media, objectifying women sexualising them, and then, and in many movies, anything and everything they talk about the female characters will be about the male characters


they're not given a voice they are just there, it has changed yes, but the thing is, you can say female centric movies, where there are females, uh the females are the lead roles but when it comes to a cast which is


which has good mix you still see the males having a voice the females don't and there are usually like you know they don't have much of a character there, if it ya if, it's a female movie lead movie then yes you can see but when it's like everyone's there they're still not given a voice


and the thing is as you grow older that's when you start picking out these things when you were younger it all seemed fine and normal to you, see that's the problem, ya, ya but when we grow older when we form our own principles and models and we see that something is going


in the other way from what you have set up for yourself we start to question it, but, how about people who just watch it and take it for what it is


they don't even know that they are doing such a thing that's the problem it gets ingrained in them, ya and, there are many media business is one of the biggest influential


portals that we have like in this day and age honestly, and they can use it for a lot of good a lot, cause it really does have a huge impact on people


really but I am a bit fearful of not, finishing everything in my bucket list before I die ya


think mine was when I went to vietnam but, in particular it was when we had a homestay at the village on top of a hill, so it's very, secluded I would say it's away from the city life, it's alone it's isolated you don't have a lot of people it's just that two hundred to two hundred and fifty people who live in that village


and right and you don't have you, it's the thing is we did have access to internet and, Wi-Fi and everything but we didn't see the need to use them because


the place the atmosphere itself it just keeps you away from all those distractions it gives you such inner peace


that I realised I appreciate a lot and something that we don't get here in the city


big reward or anything that I remember, for doing an, awesome good deed but


but I think the biggest reward in that is that (oo), we didn't do it for something in return, right uh ya if if you want to talk about the biggest reward I guess that would be


not, expecting anything in return, and getting that sort of, what leads you to experience an adrenaline rush


and that has not been proven scientifically, ya we kind of run throughout the


but that gives you a whole, uh another level of that that throughout that whole haunted house (uh huh)


upside down uh no I have not been allowed to go on them


I've never been like allowed to go on that, but I think the rest have been equally uh terrifying, but the thing is, if you think about it it's terrifying but it's actually fun when you're on it like you're screaming but


like the proudest moment in life yet, but, I think it's likes tiny tiny moments that are like scattered all over the place, because of, personal growth and like decisions that I've made over time that I'm very proud of and when that gets reflected at


any situation that those are moments that I'm like very proud of like, for example saying no when you actually can't, give your time to that particular thing when you can't commit I think, saying no is something that I have learnt, and whenever I


say that and make time for what's actually important I feel proud of myself


led you to where you are now, what amazes you


it might be the opposite, where, when it's very easy for people to be very unkind, in situations, that really amazes me like !wow! it's so easy to be nice it's very easy to be kind but


you chose the wrong way that, really amazes me sometimes , not something that you have to acquire it comes naturally to us so I guess from


right to, so from our point of view, it's just amusing when you see people acting completely different, in situations which can be


I mean for you I know that it was never gone for it to be renewed, but I think for me there has been like, instances where I'm just like !ow!, why is this like this like what's the point and whatnot but I


guess, but right now I would say it's renewed if you just look at the whole COVID-nineteen situation, if you just take the frontline workers, and all the sacrifices that they're, going to giving up , to help the people who are actually being affected and the thing is


the frontline workers the doctors and nurses they didn't really sign up for this whole situation yes that's their job but their job is to help people, diagnose what's wrong with them and give them what they need and take care of them at most if they're being admitted


that's their job it's, not to risk their own lives and, you know do this but the fact, that they are doing that definitely restores some kind of


right but if you think about it anyone who wants to be a doctor anyone who wants to be a nurse, the, first thing that's coming to their mind won't be [orh] I'll have to risk my life like literally, to save the other person, theirs would be I'll save the other person and at most the


a lot of things that gets discussed in a doctor's life is [orh] you'll lose social life you'll have to give up, family time but this is, a bit too far-fetched from whatever they are exposed to or whatever they have thought for the thought is in store for them


right like people might say [orh] ya the doctors what did they expect I'm very sure they did not expect a, time where they'll have to put their health and their life in actual risk


so Jana when did you blush the


not really but I think there was one time when there was some band that came to our secondary school, and then people were going around, and then they were singing individually to people, with like a guitar in the canteen ya, and after that


and I was sitting in the corner see we were all sitting on the same table and then this dude just comes up to me and then he starts singing to my face like he was just going at randomly we all knew it was random but the fact that he did come up to me I start I was like oh my god , sec no no secondary I think I'm


pretty sure I blushed that day I I remember writing it down saying I got randomly picked by the guitar person


I'm proud of it why would I keep it a secret, I think, if I'm proud of something I'd rather use it, but if it, if you're proud of it and it's secret I'm sure there's something


I mean if you can help, using if you can use that quality or your skill or your talent to help someone I would say don't keep it that, secret, deeply but ya , if it's useless but it's still considered a talent then sure


so what's your favourite activity to unwind and relax


being alone is, very important but other than that as long as I'm alone and, I'm thinking about something I'm usually not that, distracted by what's around me unless they are like directly addressing me that would be an issue, but


when I'm alone like long bus, rides that's actually very relaxing, and even if I go for a, alone ya ya of course , if you want to unwind and you want to get relaxed of course you've got to be alone, and long walks


when I take them alone with music I think that's also very relaxing, ya generally they put you at ease


I'm pretty sure I've made many great comebacks just that I don't remember any, , I mean I can be a very sarcastic, person, like with my friends and everything so


some people can't pick it up, right cause some, for me ninety percent of the time when I, say something or anything it's usually sarcastic with my friends, like close ones pick it up but


not so close ones they kind of just, don't get it, but if they do they they are real good, comebacks , oh well I'm very openly proud of that


comebacks right right ya , it's like except for the person who's getting that, the everyone else would be like laughing at them


oh what's the best surprise that you have gotten, or maybe something that you have given to someone else


I think it happens every single time


can't really rank I've not gotten a lot of, surprises but I think my my, birthday two years ago was a surprise, ya I mean it was


it was a surprise until ten minutes, uh, before the party start cause I saw you coming in but that was I didn't expect it I was actually very down that day I was like I wanted to go out with people but I didn't but


then, uh but again I only saw you and the other person so, I thought it was just the two of you coming to surprise me I didn't realise that my house was going to have like ten fifteen other people inside, so ya that was a good surprise I actually got surprised it's very hard to surprise me actually


I usually pick it up, there are very few things people will surprise me with, like way too much


ya that would have cause we planned that very carefully , but I think best surprises are when like teachers don't turn up for one hour forty minute lessons or like, back to back long lessons


and they don't tell you so you go in with, the thought that [orh] you're in for like hell of a ride but then they're actually not there


those are like good surprises that you get in school, ya ya you're like !whoa! yes


I hope so I hope it doesn't just die off cause, okay fine, fine the magnitude of this issue is huge but, whenever we've had a problem we always see people coming together helping each other out but once it's over they tend to forget it also


and it's true I just hope it turns out to be a good [one] ya


, okay so about investing money to accumulate wealth and planning for retirement I think it's something that we would not have thought about yet but it's not something that is far away right


right ya that would be one way and like other ways would probably be like stock market there's just too many ways to earn through investing in the stock market like you know buying shares for low prices and selling them when the prices rise


right so there're definitely a lot of other ways apart from just the main job to accumulate wealth especially if one wants to you know plan for their retirement and if they really want to everyone has their ideas and dreams of how they want to live life and how they want to spend post retirement so


so no matter what I think planning early is important


right retirement is one thing and also you know in between big ticket expenditures so that's also something that everyone has to plan for so what would you what would be something that you know we should consider when planning for something like starting a family or buying a car or a house


ya and apart from just the loan it's also important to consider a lot of other factors like you know what is their employment like what is their job security and the type of income that they're receiving and it's important to see which type of loan will you know


can help them cover all the cost and everything and also taking an insurance to cover things for the type of loan that they are taking, and starting a family is like a complete separate point because it involves a lot of other considerations like hospital charges child care and education and it all totally depends on the family income right


right, yup and then you can't say it's just you you know but it's like it's with the family


okay and the next formulaic what changes are you making in terms of your spending saving habits I think COVID-nineteen has definitely, you know the the a lot of trends that we are seeing because of COVID nineteen it has really caused saving trends to change in a lot of countries right now and post COVID-nineteen's definitely


there'll be a lot of differences that we can face spending right now has decreased mainly because of lower incomes and the fact that people are stepping outside lesser


exactly


(mmhmm) ya, uh okay it's uh it's really far away but financial independence you know it's like having enough income to pay for my reasonable living expenses for the entirety of my life


without having to rely on formal employment and financial independence to me is very important because you know each and every individual has their own dream of how they want to plan out their lives what they want to spend it on, and for that you really need to have a lot of planning you see


yup exactly like the the post retirement lifestyle that you want to enjoy, especially related to finance yes exactly


exactly ya


right that's very true and no matter what I think financial independence uh if you ask me what I think about it I think it's it's something that everyone should concern and should plan for so having you know passive income stream on top of your actual job definitely like you said it increases your job security even if you do not want to retire earlier I think


it it helps you make peace with your finance, [orh] debt ya debt is something that, can be very scary, and


if the, giving someone an advice to get him or her out of debt would certainly require a lot of factors to consider what kind of debt are they in are their incomes, in line with the amount of debt they have can they you know close off the debt with what they're earning currently if so then ya that would be easy


if not then there're other sorts of measures that we have to seek, right or like ya ya continue


right right ya there're like that's two part to debts one is like before debt you need to know how to plan your expenses so that you don't fall into that rabbit hole and the other part is like what if you do so then you really have to know how to cut down your expenses and


be know what are the kind of debt reliefs that you will be eligible for, so ya it's something that we have never dealt with and, it's really hard to give a correct set of protocols ya, Santhi what are your views on like owning a credit card


right ya it's it's really a risky thing to use it it depends on a person's individual spending habits ya and as anything even owning a credit card has both its pros and its cons and it truly depends on the person


that's very true, well I can think of a few pros of owning a credit card you know it helps you cut down on debt you know you can add up all of your debts to that one credit card you can get rewards like you know earning miles for flights and all


those are some things but as you mentioned they are falling into debt is a serious consequence yup


right ya so it's important that they plan out and you know there are different type of credit cards like how much how much the credit is actually and those are things that people should consider before they have one


ya so that's why, [orh] ya and CPF contribution


ya right so you know the current average monthly service's around five point five if I'm not wrong and which include CPF so people who have trouble with saving money and planning out their finances I think CPF is a really great way that forces them to save you know


and how you want to spend your income right


right ya, beneficial ya


what advice would you give to someone in order to reduce their income tax


right ya I think, it's important to see what kind of tax that they're talking about is it personal corporate and ya and one main thing about wanting to reduce income tax is that to make sure that you're doing it legally


ya and so you find legal ways you know like donating to a to a tax relievable charity kind of thing to make sure that you're reducing but ya it's true that we don't have a lot of insight into it


in okay not a lot not in depth but, ya I have I think it's a great opportunity for like individuals who need help in managing their finances it's like you know a mini CPF and they are one thing about the SRS is that you can even put in money into it to reduce your income so I think that's one thing that


that I know about the SRS how about you


yup I do think so too and you can you can enrol into this from a very early part in your employment right so I guess it really makes planning towards your retirement it makes you think through that part of life so ya


oh finally how do you spend your money


ah right, ya I think it truly depends on each individual


[orh] right right ya and it's true you have been very careful about your budgets, same here though like you know when it comes to money I really do plan a lot on where I'm spending it


and it's a a a good it's a good habit, [orh] ya so on the line of spending money you know you said that you weren't financially you you you're not financially independent also you know you know in the future when we get financially independent would you ever like


get a financial adviser will you just do it on your own


right, ya I think as for me I would really want to try around you know for the initial stage probably you know try myself spending my own money and budgeting and planning everything if it works out then good for me


if it doesn't then ya I think it's all about trying around and figuring out early finance you know you end up planning for the long term of your life ya


uh right, I mean it's it's good that you know nowadays awareness is increasing and most people planning uh and you know they're thinking about how to spend their money and you know it's not back in the days where you just


you don't have all these schemes and all these financial adviser kind of thing when you start earning with your company or the banks that you know you have your cards from they really, give you all this information about budgeting and planning and it makes life so much easier so it's good like youngsters like us we know (oo) the kind of resources we can go to if we are not managing our funds well


[orh] yes


right exactly and we we don't even mean like you know you have to teach them in depth on how you have to manage your finances it's like giving them an awareness so that even they themselves know that you know such things exist and they can start planning early or be consciously put in efforts into it


right ya you know speaking about like stock markets and all it's really a great way to earn extra income a passive stream of income, and the sad thing is that it's you you you don't hear it in school the major part of your life and the good the best thing is that you can get started on it early and you can earn from it yes ya I think it's


exactly and you know trading is not something that you start in the morning and you get it in the evening it takes a period of learning


and while you're in school it's easier ya


uh do do you have any other ideas of how to earn extra income, apart from just trading


right especially when we talked about all those retirement all


part three negative experiences


describe something that you have watched or read that gave you goosebumps, for me as I said I'm a horror buff so there're a lot of supernatural stuff that has given me goosebumps but it uh it, recently I think would be a lot of tragic stories you know that we hear from the syrian crisis or the Beirut explosion that just happened so many people going through the biggest struggles of


their life for something that they are not at all fault at you know no fault of their own and those torture that they're put through uh that


right definitely ya that's another thing that you know makes me feel so responsible but yet you can't do anything about it


ya like it's it's really hard to trace it down to whether you know knowing whether the amount you have given to such a cause has really gone to the people who need it, and ya that's one thing not exactly goosebumps but ya that has definitely made me very uneasy


, has there been a time where I committed something gravely wrong and there is no way I can get back up and start over I don't think I have such an experience because you know when you do something


and I'm a person who makes a lot of informed decision before making a decision I really think through the pros and cons I'm really a organised, person so uh ya that's something I haven't done how about you


ya but you know they're us, it's probably simple mistakes that we definitely have regretted about but


so many social events right now you know ever since, the COVID-nineteen started with everyone quarantining and having to stay at home uh you're so confined to the social media and that really has given you exposure to all the different kinds of social issues that are happening around in the world right now


mainly like racism discrimination would be the top on my list, , yup uh right discrimination gender inequality and everything


and you can relate with it, right you know it just leaves you feeling so helpless and


that, that's the worst feeling ever definitely


ya just doesn't help anyone, err true and this whole thing that I have been reading up a lot on victim blaming is something that, ya it's something that has


made me really really angry not just regarding sexual assault but you know when anything happens right now victims are being blamed and that should never be the cause no matter what it's this uh you know when you see people not even understanding what is right and what is wrong who they should not be supporting and what kind of


ideas they should be putting out into the society and but it's those wrong ideas that you know that have a strong foundation in the society and it grows up and there's nothing you can do about it because you versus the society, is is such a great


difference, and those people advocating for uh, for the good they're all so scattered around there's nothing really uniting them, and that's something that I really look forward to


right the system in place has to be changed and like public uh has little say when it comes to that much of a big power that we are going against


ya it would , often times we're just reduced to us and we don't exactly know in what way we can be helping out and


if there can be initiatives in place where people just gather especially people who think good and who really want to change society if they can just gather without hesitating on this factor on it's just me it's just one person what can one person do when that kind of thought even for people like you and me if that changes I think


a lot of change in the society can happen quicker even though it takes time, think you're right yes


uh that kind of helplessness, has been very draining, is there anything that disgusts you


uh right uh the last one that you mentioned everyone feels like they have a say in everything that happens in other people's life you know just because, (oo)


we have so many platforms that we talk about our lives doesn't mean that everyone has, an entitlement to give their opinion and they have no idea what kind of emotions what kind of impact they're causing on us you know they just say something and they leave


ya and most of the and most of the times you know these people ya they have an opinion to say when you're at, the lowest point in life and they have nothing to contribute to help you come out of it or to you know to help you when you need some sort of emotional support and at the worst point of time they just vanished


exactly and you know right certain people in life you're very close to them you can give them your advice without asking for permission but we can't take that amount of right in every single person's life we know, ya I think it's just ya those kind of people are just using you for their own agenda to you know sometimes they just want to know how you're doing so that they can be happy with what they are doing


uh so more selfish, all right that ya I think we agree on that so usually, people have to mind their own business


is there a particular issue that you have ever felt upset over because you feel the world needs to do more about it


for the single person you know ya exactly, right you know like gender discrimination, racial


education basis and you know, the systems, and I think it all just boils down to equality knowing that every single person has the same rights that you would want to be entitled to


right and ya


this was never brought into ya and when you read about that news you realised that you know it has been going on for multiple years and it has never received that much of, media appreciation when something trivial about a celebrity or a star comes you know uh news about their personal life that receives so much appreciation and so much media coverage while this actual legit problems that people in the third world country face do not get


you don't know what it brings


a lot of propaganda right, yup so many issues


really, [orh] ya and poverty I think, poverty is something that, has been around ever since, the world started


it that something that you know we could have done so much to eradicate poverty, in short period of time but no one has ever gotten close to reaching zero poverty, and that really upsets me


exactly, exactly when you can actually give it to the people who are suffering in this time period where you are living so that both of you benefit


and you put a better system in place where everyone is treated equally


it is it definitely is


particular scene that I've gotten and dwell really can't think of anything right now but you know it it's probably movies that, uh, like objectifying women, that is something that we see in a lot of movies and every single scene is just like


you know movies and media has it has an it's like an inevitable part of every single person's life it teaches so much things so many people learn we got so many things from movies and that's what they implement into their own way of life and you you know you can just use that platform to show something good


and not objectify women which is going to affect half of the entire world population


uh right ya, the amount of change is not equalised ya


right and that has led to so many stereotypes, all right I get what you mean there are changes but those changes have not become the norm yet


ya uh, so ya that would probably be all the scenes that I have ever gotten angry about,


right and that's how it gets into the head of everyone else


exactly and you know it also depends on the place where they're living and people who are surrounding them we are fortunate enough to know that people around us have the same mindset and they can question, things that we will also be able to question and tell us what's wrong and right


and when all these people who, can't really pick out what's wrong and you know it it's just it's just into them that you know objectifying sexualising women is okay when they think it's okay and people around them think it's okay that just amplifies


right and a whole society is affected because of that


yes definitely, ya and not just media in the sense like you know news and all but you know individual, uh, personalities like stars and influencers the amount of fame that they held they can really put it into a lot of good use


which, happens there you know a few places a few actresses but it's still not great enough


yup, do you have any greatest fear


ya that is one thing , all right and that is exactly my fear you know losing my mental capacity before finishing stuff that I want to


that you know, you work with your brain on a daily basis and not being able to think that's something that I am very afraid of to not reach a point in life where I can't make decisions


positive experiences, okay uh travel experience that left me in awe would definitely be uh the trip to Bali you know the place is so spiritually rich


and the ancient meditation temple chamber experience and the fountain water healing ritual it really helped me to establish the mind body and the soul connection and Bali is also well known for the breathtaking sceneries that it has


and I had the absolute luck of visiting the place , and you know sometimes when you are in a place where it's so naturally rich and you know and has a lot of profound energy, it really evokes the sense of awe and wonder on the complexity of the world which you know you feel so small in front of nature and that was one travel experience that I would never forget


(mmhmm) [orh] that's nice


right it really gives you a sense of community right when you go to such ya


definitely and you know being you know here in such an urbanised city for most of our lives when you go somewhere where you get to really connect with the nature I think it's something that we wouldn't miss a chance to use our phones on


exactly and ya those sort of experiences really humble you and ground you, write something ya now it does


so what was the biggest reward you had ever received after doing an awesome good deed, or we can concentrate on the awesome good deed you know being in the same school we have done a lot of those


no but the one thing that I would always be grateful for was our time in interact you know we got to do house visits for elderlies who were living alone and I always think that that something that we did good in the past two years uh


right yes right it's for the personal satisfaction and to you know to know that we have served humanity in a way that we could


a lot of things a lot of things but off the top of my head would be probably you know seeking out supernatural experiences you know I'm a horror buff and (oo) together we have read a lot of stuff and I think would be definitely going to a haunted house with your friends


right ya and, you know really seeking out something that you can't see with your naked eyes it gives


right it's something that I experienced and we together experienced an adrenaline rush, yes of course


oh god yes right, and also doing stuff like going on scary rides in theme parks like the roller coaster uh have you gone on any of those roller coasters that's turned that turns you know like complete ya


there was once I tried and the worst part was like three months after I went to the theme park that particular ride broke down, there was an accident people died and I think that actually answers the next question thinking about it right now that was one moment that I felt the luckiest ya and it had and that whole theme park has been closed till now


ya and the most scariest part is before getting on the ride or before doing that experience, uh what is your proudest moment in life Santhia


right same you know ya it's like no one exact proudest moment but you know every single time when you put hard work into something and you see the fruit of it, that makes you feel proud and like you said it's all those tiny tiny moments where you end up making the correct decision and that when you think back about that you feel proud right ya same


you know life is full of wonders what uh amaze me would probably be people making


decisions for themselves and not succumbing to any sort of pressure especially societal pressure and stuff like you know, people showing humanity like caring for people around them and


knowing how to stand up for their own self and also for people around them those are the things that has been decreasing uh you know in people that we've seen and, so ya those are the kind of things that really amaze me


exactly exactly, right see we have this wavelength where we know that you know being kind and being caring is it's a basic human quality


it has to come naturally, right it's so sad thinking about my answer right now you know seeing humanity is amazing that should not be the case and that is actually the case right


right right [orh] ya on the lines of humanity, there's this question on describe an experience when your faith in mankind was renewed do you have such an experience


is it totally not their job to put themselves in front of danger to save people


yup yup and that truly comes with a lot of selflessness, right right ya agreed agreed


oh my god it has been so long since such an incident, happened and I don't even remember it but even if I do I don't think I want to talk about it


how about you when have you blushed


oh really that happened, [orh] [orh] okay


was this way back in secondary or the school after, oh !wow! right right ya I barely remember any moment that I have blushed


(uh huh) oh what is a skill or an ability that you're secretly proud of having, it's a a tough one I guess I mean


ya exactly you know if if I am proud of something you you will show it openly


no I don't have at I mean I can't think of anything right now uh but you know also the opposite of it where pride you know leads to ego and it's and it's better that you keep any quality that you have secret


I think after uh any long day I would just want to be alone and have, a safe space for me to think and reflect about the day and one thing that I might add to it would probably be music like listen to music and just meditate to connect with your emotions and that is the biggest form of unwinding to me


uh long bus rides alone


and I think activities that you do alone by yourself are the best, oh have you made a comeback that shut everyone up there are so many moments of this


true true and you know, yup, you know the problem is you are sarcastic but and we get it some people can't pick it up and the whole situation goes way more funnier


ah that's something that should be secretly proud of, , uh I can think of a lot of comebacks that are but nothing has shut everyone up it probably cracks everyone up yes


surprise that I have given to someone surprise for me I really can't think of the best one yet I think the best is yet to be, but , uh ya I really can't think of anything you know at for a person like me I have this tendency to blurt out


about the surprise that I'm planning for someone it has happened a lot of time especially ya with you, every single time I tend to blurt out about the surprise so there can certainly be no way I have given the best surprise to someone and for me I'm still waiting to be surprised


was that planned by me by us, okay ya then obviously it has to be the best one


ah right, well because you okay, right and that's fine like you know if it involves me then I give you way too much clues for you to pick up


right, ya uh so the credit has to go to me not to you, and are there any surprises that I've missed out no surprises in the case that people present there you know usually like


usually if it's your birthday you know what exactly is happening your friends would be planning something for you but it's usually the people present there they are those surprise me


yup and those are probably my luckiest moments too, and finding out that your you know your best friends also don't have lesson at that point of time that, is a lot of surprises ya, ya and you know in a month where you don't forget that you know you forget that there are certain public holidays and then suddenly remember them


right those are unexpected surprises yes, what else what else


okay , so with this COVID-nineteen is there anything that, you look forward to in the future, I mean for me I would say that you know all this fear has really gotten people it has really challenged all the basic human values right now and people will be more empathetic and


it really we will see really see an improved version of humanity later on in the future


okay I'm recording, financial related, okay so we're just want to talk about about anything financial related


oh okay is is the counter timer not working, oh okay okay okay, okay jack do you want to start because I have no knowledge on insurance


okay, wait so just now you say what is your coverage again I I forgot


okay that's all what about like I don't know critical illness or, something, I mean I I I mean all I guess all I can say is ya I have insurance but I don't really know much about it I mean I just I just bought a life insurance cause


I was getting old and everyone around me was getting insurance so I was like okay I mean I'm going to get some insurance too, and then ya so I I I met up with a friend of mine it's not really a friend lah like someone I know when I was studying, who happen to be an insurance agent and then he just like show me some plans and try to explain it to me


but all the numbers are just kinda like so boring to me and I don't really understand what they're trying to say, so I just went before I thought was, the most worth it and like if I I don't know I just feel that for me maybe critical illness would be the most important or like if I cannot work or like I I don't really care about when I die lah I mean when I die


if I have kids ya I mean I hope that they are well enough to look after themselves if if they're not then if I mean the money I give them is going to last them forever also so I don't really care about what happens after I die I care more about I I don't die lah I'm sick, and ya left with nothing to take care that kind of thing so I just got like a life plan with like I think


early critical illness, booster and, I I don't remember maybe like some, T P total, permanent disability or something like when you come work and then or you are disabled and then they will give you a lump sum of money I think that's all I have


ya mine is just a life I don't think I have any term insurance or anything like that I probably need more coverage but I haven't get around to, to doing it or to you know to to move on lah I mean I I just can't be bothered to to know more about it


oh ya ya ya


my parents bought one for me too like the , accident or something like that ya


okay I mean not for me lah cause as I say I don't have any term I just have life and I believe my life plan comes with some like, they they give you money back every, they give you money they give you money maybe once a year depending on how the company do or something like that like something along the line I I'm not to I mean don't quote me don't quote me I'm not hundred percent sure but that's what it is about


and ya for investment I I I only do those like simple things like stash away or STI ETF that kind of thing


ya so that's all I do lor like, most of, the money ah I guess in the bank, I guess I don't know we can look at more question do you get insurance when buying a car


okay I don't have a car, getting a property okay, travelling overseas oh yes I do get insurance but depending on you know whether I'm travelling far or whether I'm travelling short distance if it's just nearby then I don't bother but if it's to like longer places for longer period then I would get the insurance


ya my dad always say that no not my dad my mum always say that hospitalisation is the is the most important cause everyone is just going to go to the hospital, in a lifetime lah basically you will go to the hospital for for something one thing or another


okay yup same for me I mostly go cashless, because , ya it's more convenient and I don't have to deal with the hassle of, you know getting my change back and then getting all the coins and then like putting them back into the wallet especially when I'm buying food then I have to like handle so many things at once if I use cashless I just take my


card and and and go I guess, and don't have to go to an ATM just withdraw our money, which is much much much more convenient ah


ya oh by the way I always draw eighty dollars cause I don't know it's just fixed cash and then you just, click the button, don't have to figure out like like how much to draw that kind of thing, but I I always personally find I mean this is a bit of, personal thingy I always find that money is damn dirty like very dirty so I I don't really I mean if I can don't deal with them I just go


cardless I guess it's more hygienic, and clean, ya okay


ya same for me whatever I don't spend, I'm just save it but then sometimes I, I I I I think also like, all the money I mean I don't really know how to invest, so all the money is just being, it's just been placed in the bank and then when inflation comes I'm going to be losing more than I earn that kind of thing


so, ya lah but ya I I just do keep whatever money I have, or I I didn't spend for the month in the bank and I I guess, both of us I I think I can speak for both of us we're not, really like spendthrift like we don't


spend unnecessarily, so that's good for us I guess we just put all the money, in the bank, do you think one should own a credit card, uh yes I I think there are good benefits to having a credit card because


you can collect I don't know miles cashback all the benefits that you won't get if you use cash plus you have to deal with the hassle of using cash no thank you so it's like you know having a credit card it saves so much more trouble give you like


benefits but of course I mean there are people who don't know how to manage their spending so that's like, that it will be troublesome for them to get a credit card because they end up overspending and then like being in debt because of credit card I I never believe in such practice ah I just make sure that I spend within my means even if I'm using a credit card I don't I don't spend it with the mindset of


oh it's okay I will just spend now pay later you know I make sure what I buy I spend now I have the money to pay for it now that kind of thing, so yup


ya I for me I I don't care whether it's cashback points I don't have any card for miles so, whether it's cashback or points I just use them interchangeably I don't really place emphasis on one over another


I I go for points points means like citibank right like I have the I don't know citibank card that, after that I can, I only have one card that give me point which is the citibank so, well the thing is that I I accumulate the points just forget to exchange or there's nothing that I really exchange for in the past I used to maybe sometimes exchange for movie tickets but then I don't really watch movie nowadays so it's like


I don't know what I I don't even know whether the points will expire I've not even log in for such, a long time


ya lah, ya now that you say I'm quite worried about my citibank points I don't know whether I still can exchange them for anything ya actually cashback is the best lah cause it gives you direct, immediate benefit I guess


ya okay


I guess I mean to me I'm okay either way, if let's say my husband says let's open a joint account then I'll be like okay sure if he say let's not open a joint account because there's no need then I'll be like okay sure so there's no yes or no for me it just


it depends on I guess what ya what, the the couple discuss lor, whatever they agree on ah I don't think there's a right or wrong or whether there's a one size fit all kind of thing, maybe they combine to I don't know earn more earn more points I don't know earn more miles


I don't know like more money in the bank then you get more cashback does it work like that or is it you spend more I don't know something like that, oh yeah interests yes that's what I was referring, to interest, like more money in the bank then you have a higher interests


ya so, in a post-COVID world what changes are you making in terms of the spending savings, habit okay I'll go first I, I think the biggest, okay honestly COVID has not affected me that much in, a sense such that


I'm still working I still have my job you know I I'm still, like, okay financially but I think one what made me what COVID made me realise is that, anything can change easily and your job might not be as secure as you think so it's always good to have you know rainy days money so that when a crisis like this hit you don't get affected too hard because I really do see


people who are like you know like I'm so young and I have friends who are fired, because, the economy is not doing well lah so the company, just you know have to let them go so what changes will I be making,


I don't think I'll be making very big changes to be honest cause I feel that I'm already not spending it as much as I would, I I I I I mean I'm really not spending much and if I were to let say save more money I probably have to like, really very very <mandarin>省:sheng</mandarin> every


meal eat #cai fan# without fish so every meal my ya


ya I, agree it's like it's already the basic you can't cut down the basic unless you say that oh I'll eat instant noodle every meal oh ya things you like to eat instant noodle right then you just eat instant noodle for all three meals that kind of thing


ya can put your insurance to good use , okay what are your thoughts on CPF contributions, uh I think CPF is good you can we can buy a house with it but, honestly other than that, I I guess I don't know really see much


eh oh it's good because, both side have to contribute like I contribute and my my company contribute as you all know it's like in a way if you if you put it in a way extra money, lah


but not all company do that some company just like oh you don't have CPF okay too bad you know that kind of thing, oh is it


no I mean if if they if they don't give me CPF they don't have to give me money as well, right, you mean if they don't put money into my CPF account that seventeen or twenty percent that they contribute will will be given to me in cash


no I mean let's say if they okay let's say I'm a foreigner and they don't really give me CPF right that seventeen percent would they give it to the foreigner as cash or will they just okay thanks I'm not giving you the seventeen percent


so they don't have to pay for the CPF right


what do you mean


oh okay, you mean what kind of abuse like, you you cannot take out your money at fifty five years old anymore or something like that


job hop job hop , job hop more frequently, correct what that's that's the fastest way to improve your income okay so you jump from one place to another you know you get twenty percent


ya lah I mean if you don't get a job then you just suck thumb and, continue your current job until you find uh a job with higher pay and then you just hop over


ya I guess !duh!


oh I I think I I don't really know much about investing but I think, five years ago I'll I'll tell myself that uh COVID is going to happen in twenty twenty so before that buy ya buy all the stocks you can because especially like things like e-commerce or like things that are going to boom like healthcare pharmaceutical just go and buy all of these


so that after like during this period you can sell them off and you know earn a lot of money


okay I'm done, negative experience, okay, I'm going to start cause I I thought of something negative jack you must say negative jack you know that after every clap you need to say something by the way this is the end of it already but you don't even realise you suppose okay let me demo okay you supposed to


and then you're supposed to say like negative experience or like, positive experience something like that but you didn't even say any throughout the whole three session but never mind we're going to end already, no no no no no just, negative experience yes that's right okay anyway let me start because I think of I thought of something negative already so right


when I was in poly right I remember I was, going home after school, and then I met I don't know whether I can say this eh it's like maybe a bit sensitive okay okay never mind I just try to blur out, the


the two thing okay so I met this group of people, who were trying to sell me something about their religion okay so they like oh you know you should join our religion because our religion is good then I say err no thanks like you know I I have my own religion I believe in my own religion they say no no no you have to join our religion because uh this is a good religion if you if you don't join our religion you it it is bad for you and and it won't be good for you


then after that at first I said uh, it's okay I I don't believe in religion after that but they they they kept like, following me like they don't want to give up, just keep trying to psycho me say oh you need to join my religion that kind of thing lah after that


after awhile I got kinda angry so after that I say actually I already have my own, religion I don't know why you keep forcing me and and keep trying to force me to join you religion I already told you that I don't believe and you just keep like don't want to give up lah then I I was like a bit angry and then right after I say that I say okay you know stop bothering me ah I


is at each everyone has their own belief you can believe your own religion and I believe my own religion and then right the girl ah she got, I don't know whether she got angry or what then she said to me, if you don't believe in my religion if you don't join my religion you'll get banged out by a car when you cross the road


and then I'm like what the hell, I was just like, okay okay and I was like what I mean I I, I can't believe that happen lor and I'm just like I was just so shocked I mean now now that I'm older if that person say to me I will have like talk back but then that time I was so young is it I just kind of happy that she got off my back so I'm just but then after I go home I think back about this whole conversation I just find it


so ridiculous like she just cursed me to die just because I don't want to join her religion, that's not the saddest but that's a negative experience right


okay, ya you can share one


okay what


is it a real show or is it a story, okay okay


and he died


so is it a true story or not, okay anyway now that you say about, cannot sleep for one to two, weeks is it


you reminded me of the last time I felt that way was when the MH three seventy three seven three or three seven I don't know ah, forgot the airline it crashed right or it disappear ah I can't remember lah, something happened to the airplane ya it disappear disappear cannot find


ya I I I don't know why I was so traumatised by that even though nobody I know was onboard that that airline, I was, kind of like I couldn't sleep well like in the middle of the night I always I will always wake up and I'll be like oh my god where where's the plane it is it somewhere or like is the it I was like somebody on the plane coming to catch me like I don't know why I keep having this kind of like very vivid


crazy dream, how many years ago was that ah, uh maybe twenty something, ya, I was I was ya ya ya


ya ya ya I was quite old already I remember I was like, ya either uh, I can't remember lah like about uh eh I was not young anymore okay anyway but I, it kept playing in my head like every night I couldn't sleep well then I'll be like if if someone from the plane going to come and catch me or like


you know that kind of thing, ya but I don't know how I got over it lah, I remember a few nights I was so scared that I was thinking should I just go, my parents' home to sleep


anyway I I just noticed I was reading the question right I just noticed that on top they say avoid humour when sharing a negative experience so seriously you stop laughing


okay my, I don't know why whenever sad things happen to me my friends always think it's funny, how is this stupid it affected me leh it affected me for a few days or a few weeks leh I couldn't sleep well we can you


I don't think it's it's very real what but anyway that's not that's not okay let's come back to another question then we can talk about some sad things


okay I know number seven have you gone through any loss in your life if you have describe your emotion at that point of time how did you okay so, only recently I started losing like my grandparents so previously like I think only, two two or three years ago two zero one eight nine maybe ya two years ago I started losing my grandparents so


before that you know all all four, of my grandparents were like around you know well and healthy that kind of thing so I never had really exactly had to deal with the death of someone close to me, so, the very first


death I experience in my house was my grandpa and I think it was also kind of sad because when he passed away I was, overseas, like I was on a holiday and but then the night before my mum already called me and then she's like oh maybe you should arrange to fly back because, I don't know whether you know grandpa can make it but at that time I didn't okay I


was worried but I didn't think much, of it because there were a, previous previously there were a lot of times where, this kind of thing happen also like we thought oh okay maybe he cannot make it already then that kind of thing but in the end he always pull, through so I was thinking okay lor just observe and see you know see what happens because maybe he will just pull through again ah


but then the next day or that night I think he really passed away like, I remember my cousin, only one of my cousin was at his place, having dinner with him and then suddenly they were were just watching TV like normally then I think suddenly he started coughing then he cough he just start to like puke puke a lot of blood so after he puke blood then he just kind of like fainted and then he just passed away


so my mum, my mum, called me lah then she say like oh you know maybe do you want to come back that kind of thing lor so I had to like, on top of the, on top of feeling sad that my grandfather pass away I kind of have to deal with getting a flight back trying to arrange a flight back as soon as possible and I remember it was just very


very stressful and very chaotic like I really didn't know what to do and and it ya it was also like the first time somebody close to me die so I just, ya I was pretty, sad and then I I remember when I reach back singapore oh ya the, funny thing was that when I was on holiday I actually bought like shirts for him


like I went shopping and then I saw like oh okay you know this shirt suit my grandfather I'm going to buy like a couple of shirts for him then after I bought the shirt for him then he pass away so like I remember when I went back I I I already bought the shirt what so I I kind of told my mum lah oh actually


when I was overseas I went shopping and I bought like these three shirts for for grandpa lah then my mum, I think my mum also quite very sad and then she started, crying cause like, he cannot wear the shirt anymore then my mum say okay never mind you know just, bring your bring the shirt lor bring the shirt to the to the to the wake slash funeral then when we are burn burning things at the end of the day I mean at the end of the whole session can burn the the shirt for him


but the funny thing was okay it's not that there's always a funny thing in every sad thing okay the funny thing was that when I reach back and then I took I brought the shirt that I bought over there and then I show it to my parents especially my aunt and my cousins all of them were like, I think you better don't burn this shirt ah


cause apparently the size I bought was way too small like they say confirm he cannot wear then you know my grandfather is that kind of person to be like not exactly a good-tempered then he say if you, burn for him ah he confirm curse and swear !walao! this stupid girl I die you still burn for me this kind of so small shirt I cannot even wear burn for, what burn for what so they say okay lah nevermind you you don't burn this shirt ah just keep it ah then okay lor I just keep the shirt back and then like you know didn't burn in the end


but I think it was quite sad also that, , ya I think was quite sad because all of my cousins we are kind of quite close also so I think it was a it was a time for us to I don't know gather and feel sad together


oh finally, ya it is a sad thing but then


oh well I guess life goes on the the I mean the thing now is that I just feel, sometimes kind of sad that my grandma is like alone now, no leh she live with her help as in she and the helper live together lah but no like relative or family lor


I think COVID was the worst for her because it's like, literally nobody went to visit her so she got a bit, like stressed, and then she's she was saying why nobody come and visit her, like why nobody come for so long cause circuit breaker was like the think two two months or or longer I can't remember


ya, so nobody went to her house then she was like asking all like why why you all never come like you know why nobody come visit me anymore then we tell her lah like oh you know now got this like COVID, so we are in circuit breaker cannot go out lah just stay at home then the thing is that she we never go and visit her she also cannot go out so even last time she sometimes she go down the coffee shop talk to her friends now also never go so she's literally just staying at home everyday and like feeling


bored with the helper then it's like, can you imagine her life actually it's really very sad okay it's like you wake up in the morning maybe seven o'clock wake up then you just sit down in front of the TV the whole day just do nothing literally stare in front of TV whole day and then after at night go and sleep, really very sad right


ya lah I mean like try to visit once a week lah, but then now because of the COVID she she learn how to use uh, uh what's that video call sometimes she will just okay


okay I don't think she really know I think she ask the helper say can you help me video call this person then her helper will video call then at least she can, talk to us through video call lor during the circuit breaker lah, ya lah ya


but it's it's also I mean it's sad because, she's alone most of the time lor then I oh ya last time right last time my grandpa last time used to like joke with her lah say that oh if I pass away first right, uh you just wait for me for a year then I'll come and bring you go together like you know or I'll pass away first I'll go and like uh look for nice house and everything then I'll come and bring you and then we can stay together then I remember there was once


a few months ago, probably during the circuit break break breaker period lah I think she's really very lonely then she was like telling my mum actually it's my mum tell me lah she's telling my mum like eh why grandpa never come and bring me it's already more than a year like why he break his promise


ya so that's kind of sad, I mean I I think they were just saying it jokingly lah like oh don't worry if I I pass away first you know I'll go and look for nice house and everything, that kind of thing ya lor


ya so that's basically my sad experiences you can share yours now, you mean your life is so happy


oh I can answer question ten what's the one thing holding you back from your goal the one thing no the one thing that's holding me back from my goal is that my goal is to retire out of singapore so the one thing that's holding me back is, the difficulty in getting out of singapore


even if you have money it doesn't mean, you can get out easy right, okay lor then money lor I wish I'm born rich I wish I have like ten million dollar


okay lor I wish you will strike four D tomorrow, then TOTO whatever it is, okay there's a question do you have phobias how do you overcome them


it's in the chat box, oh ya me too ya me too


I think you should learn to overcome them, I think you should learn


that's not embarrassing I'm proud of that okay that's really an awesome experience, I don't have any or I can't remember any I guess


yes


I can't believe you poop in your pants, by the way you know that I never understood why why people could poop in their pants


like, seriously if you have poop just hold it in like why would you poop in your pants, I've never experienced that in my life so ya I don't know what what


okay, like what I don't have anything that actually go wrong leh


oh ya ya ya ya ya ya ya ya ya that always happen, I've never


I've never overslept for anything so I don't really know what you talking about


oh I know already this is called the murphy's law something like that everything that could possibly go wrong will go wrong don't you know okay good, ya, legit you can go and google


why, so what was the course you really wanted to get in


okay, then what do you get in, okay sure, okay okay


(ppl)


okay mine is recording, positive experience


okay , describe one of your most memorable travel experience positive experience okay wait in general I think I encounter quite a lot of positive experience but it's not like, anything that you remember anything you shout about it's just like daily happenings in your life or like you don't


most of the days I feel happy I guess I don't really particularly feel, sad about anything or like or like my life sucks or anything like that so I would think that overall my life in general is quite the positive experience, but


one of my most memorable travel experience and I think now it has become even more memorable because ever since that trip I just couldn't go anywhere due to COVID, that that was actually like last year, uh I went to, tasmania and then I stayed at this


farm farmhouse, it's not really a farmhouse lah it's like a it's a airbnb so it's someone's house but this person house right is damn awesome, it's like, she has this she has her own house which is like this huge house because australia they they have like huge houses right so it's they have this she has her own she and husband ah and her kids I guess have their own like house


and then they actually build the husband actually built like a tiny apartment and rent it out for airbnb and and then, on top of their house on a tiny apartment, they had like sheeps and horses and like uh chickens and basically it's like


it's the, whole space is just damn spacious horses everything, and and the tiny house was was really quite an eye opener for me because right, firstly the toilet doesn't flush like there's no water to flush down your your poop and stuff like that it's like


as in the toilet bowl okay you cannot flush the toilet bowl so basically after you ya basically after you poop right, you just throw some, I don't know what is that fertiliser or I don't know what enzyme or whatever I don't know what basically it's just like some hay hay like thingy then you just throw everything there and cover it up cover your poop up and then spray some


I don't know what is that also spray spray spray then the poop will just, fertilise become fertiliser like you just, no it's fine, it's it's not smelly at all at first I thought it's going to be like very stinky right because imagine some people poop there and then just like that but it is it


it wasn't stinky like when you walk into the toilet right you don't even know that is a no flush system okay there's no smell I think it's because of the hay-like thingy lah it looks like straws like those hay that horses eat I I although I'm I'm quite sure it's not hay lah it's probably some


things to break down the poop or stuff like that but ya basically you just throw that thing into the poop make sure the poop is cover up spray some, liquid like thingy and then your poop will just break down and there will be no smell then if you pee right you don't even need to did I use a toilet paper when I pee


I probably did but I I don't think I throw toilet paper down the toilet bowl I can't remember probably throw it somewhere else because, I'm I'm not sure whether toilet paper can be thrown together but anyway ya it was just damn cool and damn eye opener for me cause it's like !wow! toilet bowl I mean a a toilet bowl actually works without needing a flush


ya and then okay wait, okay thanks, no that's not even the best part about the house okay the best part of the house is that when you walk out of the house like literally when you walk out you just step out of the house and you walk for five steps okay like


five to ten steps no, it's out of the house okay like when you step out of the house and you walk for five to ten steps there will be like ponies okay like and the ponies right are not like those, race horse, horses okay it's not like those muscular like horses that don't give a shit about you those ponies are like


they are like dogs okay like the moment they see, you right they run towards you for pats they're like oh pat me pat me you know like as if it's like a pet dog it's like a pet pet dog but that is a pet horse, it's really damn cool it's like oh my god I really want to stay there forever


cause it's not because of the poop it's because of the awesome toilet okay the toilet that doesn't need any flushing imagine how much water you can save you can be environmental friendly okay, and then right the best thing now that I think about it the poop can actually become fertiliser for the horse, do horse need fertiliser


no I mean fertiliser for their plants their plants okay when they have plants, ya the horses the horses is so cute I can't I can't wait to I mean I probably won't go back again lah because, I want to go and explore other to other other parts of the world also but


ya I mean that really made me feel like I need to have a this kind of house especially in countries that have cooling weather not in singapore because it's going to be so hot !walao! and then all the flies and everything, ya I think the poop will stink in singapore


ya okay you share about your experience


that's not very exciting you know you know that those kind of toilet bowl you can get in singapore also, ya I'm just saying if you want to buy for your house you can do that I'm not sure whether it's it's it's, legal I I I guess it's legal right I don't think there are any illegal toilet bowls


okay I see you really enjoy it, wait wait wait but have you even eaten Wagyu beef in singapore you cannot say like that can't compare to singapore one have you eat it in singapore


so you mean, so you mean in japan it's cheap


okay I'm going to, side track a bit because my voice memo just closed by itself so I have to be re-record now, okay I don't know why it just exit by itself okay anyway I I have to like restarted recording okay you can continue sorry I sorry I book your sharing about your Wagyu beef


oh ya I remember you said that


I remember you said that your girlfriend was sick during your japan trip, so does that count as a positive experience


okay anyway I thought you will you will talk about the Ramen instead of the Wagyu beef cause you everytime we go out you like oh let's, go eat Ramen let's go eat Ramen that kind of thing but then I guess you prefer Wagyu beef to Ramen


how cheap, oh I I didn't hear I think I didn't hear that part cause I was like oh my god oh my voice memo gone, , okay okay what is


that was, I mean that is the most recent memorable thing ah that was really nice I I really enjoy myself and now that that was my last trip before this entire thing it just makes it even more memorable


ya anyway I saw a question that says what is a comfort food that you always rely on to cheer you up, and I like I'd like to say for me it has always been chips and ice cream so unhealthy but


I I like #tau sa piah# too but then it's not exactly a comfort food it's more of like, it's not like you know last time my mum used to always buy and then I I I I like to eat it also, but ya it's probably chips and ice cream


like it's the thing that it's the two things that I I will always want to eat and I always crave either or


no wonder you like Ramen ah it's just like instant noodle but it's like expensive instant noodle, it taste exactly the same, the worst thing about Ramen


uh no the worst thing about Ramen slash instant noodle it's like there's no Liao, it's like , you just eating noodles and soup literally you know it's like then the meat is like okay lah if you eat Ramen okay you have like one piece of meat that is so sad and miserable and then you just eating like, ninety percent of the meal is eating the noodles


okay lah I mean good for you lah just stop asking me to go out and eat Ramen I'm not really keen in eating Ramen, sure just don't ask me I'm not really to be honest I I'm not really a fan of Ramen so everytime you ask me to eat I just


I just, I just you only but then don't make it too often, okay, okay what okay we've two other some other got you got okay do you want do you have any more things to share


anything lah like any positive experience, okay


ya ya actually I think that's like the most, positive thing this year lah even though work is like damn very busy right like, cause have to do more activities, ya, you mean you're not busy at work


you you should you should, shouldn't you be more busy like for me it's like we're more busy now because, this whole COVID thing you know people are not really willing to spend they are not we can't go out and do and do activity so it's like we have to put up I mean we have to think more activities


uh online to to, to make sure we still stay connected with these people lah so there's there's a lot more more work to do because, the frequency of online activities are kind of like, higher right maybe last time in if you hold a physical event you can hold it like twice a year but then now like it's a online event maybe one month you hold like six times


kind of thing, so a lot more things to do but ya I agree that it's it's a very very good I count myself very lucky that I'm not really affected by this whole thing I'm I still have a job I'm still busy you know it's not it it at times like that is


is good lah I guess, oh so you're just slacking now ah


so you're just slacking now ah, is your salary taking a break, you are working less for the same amount of pay


good question do you have any, liver, like <mandarin>猪肝:zhu gan</mandarin> ah


, I've never like liver since


young till now that remains the same, oh you know what you do you know what I used to hate as a kid but now love as not say love lah but now I eat it as an adult corn, like I I


for some reason I used to hate not that kind of like real grilled corn you know that kind of like, I don't know how to say leh that, no the young corn but then it's like , like fake ya it's not really fake it's like it's like the young corn it's like long and thin one you know, like people cook in vegetables one I don't know how to say


it's like, but it's not you know you know corn got like the <mandarin>一粒一粒:yi li yi li</mandarin> thing right like popcorn like that it's not like <mandarin>一粒一粒:yi li yi li</mandarin> one you know it's like one whole long thing you know


yes yes yes the <mandarin>一粒一粒:yi li yi li</mandarin> is like damn small it's like doesn't look like corn it's like, are you sure, ya okay whatever it is I used to hate that and then I remember I was in kindergarten or K one or something and then like we


the question was what is your favourite vegetables and I don't have a favourite vegetable then I'm like oh my god shit and then I just I saw a a kid who wrote corns, so I went and copy her and then I also wrote corn and then after I write corn actually I don't like to eat the corn but then I go and write the corn already right and then I remember one of the tea break time or lunchtime they


serve the corn and then I'm like oh my god if I don't eat it my teacher is gonna know I lied and then I start eating I like, force myself to eat okay never mind just eat lah just eat lah I mean just eat it cause I don't want my teacher to know that I lie about this favourite vegetables thing and then the more I eat it the more I like it so now, I just I just eat it


ya, I had, I had no favourite vegetable so I just I don't know what to write and then I just see someone I don't know okay ah corn


I don't think I I know that much vegetables when I was young, I just corn it's like four letters C O R N, so maybe that person don't know also lah cause the person like copy words corn ah


ya, I I I actually don't really receive compliments, that's sound sad but I'm totally fine with it


I don't think it's sad leh you think it's sad I I I perfectly fine with it, anyway I anyway I mean


no anyway I'm an asian asian people don't know how to accept compliments if somebody say oh you're so pretty I will be like err no lah you know so better don't say, no asian people don't do that only #ang moh# do that asians will be just like oh no lah because you know


it's true if you go and observe #ang moh# will be like oh thanks you know you look good to blah blah blah asians will just like no lah, no lah that kind of thing


I'm pretty sure that's the asian thing, did you give compliments to anyone, so what do what do they say, oh really


okay, that's like, not compliment about them just compliment about the brand or the things that, okay


thanks is it because my wallet is not branded enough, my wallet costs a hundred dollars okay, mind you


it's braun buffel it's hundred dollars I mean it's not like those like damn branded but it's a brand okay


that's not a compliment okay that's like complimenting the braun buffel company oh you did you made a nice wallet what has it got to do with me, okay okay


ya maybe, ya maybe everyone secretly want to give me compliment then they, never mind, ya maybe good point okay I will I will bear that in mind


!walao! I can't believe you even dare to say this kind of thing, blessing in eh you know the question is blessing in disguise it means that, it means that you are technically a blessing but then


but then to outsiders or to everyone else you are a damn shitty thing that to happen to me, like people be like oh poor you, okay if you say so


okay okay done


oh okay I mean I'll I'll just follow the questions that are there so personal insurance yes I do have I have the hospitalisation and surgery insurance


uh gotten it from great eastern so basically covers my surgery and hospitalisation costs, up to private hospital level so I brought it I bought it a few years back so I don't think I was affected by the


change in riders so I'm still fully covered, uh, haven't had the chance to claim it yet touch wood so then uh ya I think I mean, it's probably one of the basic insurance plans that everyone should have


although we are kind of covered under the medishield life thing but, ya it'll be good to have this kind of insurance coverage, uh so I have hundred percent coverage for hospitalisation and surgery up until the private hospital level


shouldn't you give a bit of inputs as well


oh okay, uh it seems like it seems like you have a lot more than me cause I only have the hospitalisation and surgery and I think my parents bought for me a, term life insurance plan, I mean I'm paying for the


uh I I don't have accident plan I lead a sedentary lifestyle so don't really need a accident plan but ya I think a term life, was would would be great cause cheap


uh uh there's one question where is what buy term and invest the rest uh, I buy term I not sure about investing but, uh a friend a friend actually recommended me some, robo-advisor thing I'm not really sure what that means but basically I just put five hundred dollars in every month and it's supposed to invest the amount of money for me so ya I do do the buy term and invest the rest thing


statuary statuary sounds very familiar uh you it might it might be the robo-advisor that my friend recommended me as well actually


I mean I'm I'm really not sure what else is there to talk about so


(mmhmm), okay , any kinds of insurance that are essential for us I'm not I'm not that sure I mean I only know hospitalisation and surgery is essential what what else is there everything else is more of a good to have right


okay uh uh I'm I'm I'm sorry I really don't know what else to talk about this is I mean it's insurance it's quite basic uh are there any other financial related topics that we should be talking about


ah okay okay I'll I'll I'll start first then I I I usually go cashless cause uh, my dad had this has this habit of carrying, a lot of money with him everywhere he goes and it's kind of scary


and ya I I don't believe in, holding cash around number one my wallet doesn't have that much space and number two it's quite dangerous, uh anyway, paywave works very well


oh I I wouldn't really use grabpay and all, cause I don't believe in grab, but ya paywave works fine everywhere and it's relatively easy to use so ya I I I don't really use cash


ah ya ya ya, ATMs ATMs are always so crowded especially POSB ones they are like always super long queue and it it doesn't make sense to wait that long to draw like twenty dollars worth of money


it truly something only a girl would say ah I think, uh habit of saving yes of course we have I have the habit of saving, uh, you know is if you don't want to eh I I don't spend much so I by default save the money that I don't spend ah so there's no savings goals actually it's just


I, I actually don't spend much at all so whatever I don't spend I'll save it


ya, I totally totally agree with you I mean, the the, if I don't have a credit card or have to use cash which you know, my point about being cashless would be moot and I I used to, go for miles but then now with COVID it doesn't seem relevant anymore it it doesn't seem useful anymore so


nowadays I just go for cashback and ya quite a lot of cards have cashback bonuses and all the only problem is I don't spend much enough to qualify for those higher tier ones but you know every bit counts and , it is just better than miles right now in my opinion


but how come we how come you don't go for points ah, I I mean whatever card gives points I guess


oh okay uh this one this one I can't help you ah I I really I I'm just usually cashback but again I don't really spend much, so there's no point in me trying to collect points or miles anyway especially points that would expire


ya I mean I mean I'll I'll I use that lah do you think couples should combine their finances and open a joint account uh


really depends on what the couple's aims are I've seen couples who, combine their finances I seen couples that don't both sets are happy although although although to me I will think that if you don't combine your finances there might be like trust issues that's why you don't open a joint account and that's not good for a couple right


is that even a thing, you talking about interest or cashback very different you know


okay it ya it's very different so so


oh err I mean for me, probably the same I there's not much changes to make because in the first place I don't spend much I only buy food to eat so how how how am I supposed to cut down on that so


ya if if I could without you know getting kidney disease in the next five to ten years ah then that's another thing ah but you know I I'm not that keen to have to go to hospital ah I I'm not that keen to claim my hospitalisation insurance ah if you get what I mean


thoughts


uh, but on the other hand if you don't have CPF your company would just give you the contribution as your pay ah


not no companies do that because they are not allowed to do that, yes they are not allowed to do that they have to give you it as CPF they can't don't give you the CPF and give it to you as money


uh not under current law lah


no if they don't give that seventeen percent to your account they will be they will be Kena under the law


uh which is why foreign labour is cheaper than singapore labour, I mean yes but you know there's always loss okay okay I mean this is a very hypothetical question lah but to me if you ask me about CPF contributions


it's a good system but the problem is that it is, controlled unilaterally, if if the so government has full control over it if they want to change anything they don't need consult you they don't need ask you for permission they will just change it


and they have change it multiple times over the past years so it's a very good system but it it is susceptible to abuse ah that that's my concern ah


something like that I mean you know again I'm not saying they would I'm just saying the potential to abuse it is there so it makes me uncomfortable although it's it is a good system, what can you do to earn extra income or to improve your I mean what


grabfood, job, ya in this in this current situation , very good , ya, provided you get a job if you don't get a job then how


I mean, freelancing works works well I I was thinking about previously I was thinking about getting cheap stuff from taobao to sell but with the current situation it's difficult ah uh I'm I'm just glad I still have a job now you know so


to to earn extra income ah I mean, good to have lah but I don't see how how it's sustainable in this current situation, what's, what's one financial advice that you give oh mine is very simple