to to to to see the other side of the coin I guess when I was in NS I was also talking about it and quite interestingly some I mean one or two people actually brought up about how we just assume that people can do away with uh


I don't remember how much CPF contribution is is it about seven percent, ya, seventeen percent yah so so like people we just assume that people can do away with hiding seventeen percent in their bank planning for the future when actually they don't even have the enough to cover what they need at the moment so it's a bit


while there is some amount of financial prudence involved like long-term planning, I think without without enough for the short term there's no need for the long-term I think that's my thoughts but of course overall I would still I would on balance deflect to the need for CPF lah


I think I think it's great perhaps it could be on a sliding scale not a not a fixed seventeen percent but probably, ya ya I think it depends on income but of course it's a it's a two-way sword in the sense that while you can reduce the CPF contribution for someone who needs the money for now that would mean they don't have money for later ya so it's it's ya multi-factorial approach would be great but I'm sure not too sure what the factors would be


but , ya so what can you do to earn extra income or improve your income level


so I guess for for me we can always I think a lot there're a lot of things that are accessible to us now in, like what for one example is this Lalamove thing it's actually you can just be a Lalamove driver as long as you have a vehicle or even a bicycle actually so if you really really need the extra income you can just start delivery like I think a lot of uh our fellow singaporeans have resorted to in the COVID COVID


times a lot of people just resorted to delivery I think there's nothing too stigmatic about it think that's a word there's not too much stigma about it around surrounding it uh, but ya so that's that I mean if you if you got to do it you got to to do it so I think if you want to earn extra income I think delivery is one thing driving Grab is another taking up a second job maybe running courses et cetera


not too sure maybe can always but I guess that's for, like, that's that's one thing another thing maybe could also be, SkillsFuture uh although they told us to avoid political stuff I think I don't think that's too political I think I think uh I think SkillsFuture or like just taking a extra course to make yourself more employable more marketable


ya okay uh


okay ya I agree so one sorry


ya yup I agree with you I guess for for someone hasn't started earning proper I think of course firstly I don't even think I can get a credit card because I need to have like, monthly income if I'm not wrong I think I read that somewhere but I think definitely I don't see anything wrong with owning a credit card I think just because something is potentially harmful doesn't mean you should just avoid it I think we just educate ourself at using it properly


so I wouldn't uh I wouldn't say, you shouldn't own any credit card I think you should know your spending spending habits and you should know that, you shouldn't just borrow cause you can uh but on top of that I guess credit cards also very useful in a sense that firstly you just qualify for so many discounts and cashbacks and all these things so there's some amount of financial prudence involved but on top of that I guess uh


(hmm), ya actually ya that that that's about it lah about credit cards because I haven't really started using so I wouldn't have too much to say so I guess quickly we can also cover what's one financial advice you would give yourself five years ago


I guess my one financial advice , (hmm), ya just to same as you like to invest of course I don't really have properties to rent out and stuff but uh yah to so once I start earning to actually just immediately start investing properly which I guess StashAway just makes it so much more convenient already for us


I guess we're already plugging in StashAway for whoever's listening but uh the ya so I think I would just, I will just say that you know start start putting in StashAway not just saving but start investing once you start earning


part three negative experience


uh so what's your biggest pet peeve that annoys you most I think I've so many I'm really a generally a very, annoy annoyed person so, my biggest pet peeve would really be you know like recently of late I mean I've deleted Instagram for this reason but of late


uh especially the COVID season when suddenly people are just a lot more vocal Instagram and like, Facebook and stuff and these are people who who they have very half-baked ideas most not not not all of them but a lot of them have half-baked ideas, and sure you can be vocal but the thing is that you can't be so like you know ah yes I'm right uh like uh this this are the issues and like people are not doing anything about it and just everyone were just so vocal and some of them are just


pretty in your face about it like pretty top down pretty condescending about the fact that they have views and then that like they're doing something and then you are not just because you refuse to Instagram story or you know post on Facebook on especially election season and stuff not to get political but also in the in a similar vein I guess my biggest pet peeve would also


one of my bigger pet peeves would also be just Instagram story and like really like no one really wants to know what, you know you're doing it's, not humour but but actually like, yah I I I don't really ya that's really one of the reasons why I deleted Instagram also it's just


annoys me every time I see someone post about the most mundane thing


I think I've I've similar pet peeves like I said I've I've have many so think I'll just I I've I've similar pet peeves also I really dislike it when, someone's talking and people just can't pay attention, ya , I guess you can also describe what we dislike about


the younger or older generation I I don't know which one I think we are part of the younger generation we can talk about the younger generation or we can talk about the older generation up to you, I guess we can cover both, whichever ya


ya I agree with you I guess that's similar ya think I think as a younger generation I would include like you're just, we're just too quick to think like ah yes you're wrong and this how it should be ya so it's a problem it's a problem, I guess another thing I guess one thing about older generation would be that I think in a similar tone because they grew up like that they also expect us to grow up in a similar thing like oh you're not you're not giving enough credit to something or you're not like you know doing the same practices using the same


ideologies that I had and et cetera but I think things have to change, and, I don't know if it's a singapore thing but or or whether it's just like an older generation thing think people are just too pissy like like, I I I think as a as a society we can afford to be a bit nicer you know just like


even taking the lift or waiting for the MRT or just like if you happen to bump into like some person the reactions are just insane insanely like, you know like !whoa! why do you have to be so pissy or especially on the road, like the other day I was I was riding and and I wasn't even going into another another lane but this car just started honking me and like


that's just so rude like we can as a society just


so describe a time where you feel that nothing you do is good enough, , I think this is me for exams man like like really okay but fine I've I've caveat this by saying that uh I also don't


put in as much effort as I should but also like it's just a thing about me like I just can't focus I just can't take a three hour sit down exam or I can't take a three hour lesson like I don't know how some of my friends just, plug in and concentrate for the entire three hours but I just can't I max make it like about forty five minutes and then I'm done I just can't focus anymore so it's quite uh


yah so it's it's a it's a situation that I feel like nothing I do academically is good enough, like to you know get better grades et cetera because I just can't focus and it's quite it I guess it's horrible in the sense okay not horrible it's just not great in the sense that everyone's graded


in a similar fashion, but so people like me who is just don't have attention span have to, you know, be at the receding then the loser end of this lah


okay then I guess we can head back to recalling a scene from a movie that made us cry in sadness


I remember tearing to a couple I guess but I'm not sure if I cried, sadness to the movie unless like it reminded me of something that didn't actually happen to me


I I can't actually recall like particular scenes, but, ya I guess I guess like I guess the the like the kind of, scenes that made me I guess would make me tear or really push me to a to to to tearing in sadness would really just be


uh things that remind me of my own experiences in life et cetera like oh ya I I can't remember anything in particular so ya that that would be it , shall we cover the one on like our worst travel experiences


wait ya as in have we covered or you want to, you want to cover it ya that's, oh okay so, my worst travel experience would, !wow! I don't actually recall a very worse travel experience


uh, I feel I feel like (hmm) I feel like everything ended in a a lot of things ended in a either surreptitious outcomes or I think ended on a better note but, my worst travel experience I guess it would just uh, one of it would be


uh oh great !wow! I just had it in my mind actually you want to you want to go first while I


so I guess for me I can't I don't really have a worst travel experience I may have but I just don't remember it at this point, but one I one that comes to mind is when I was say again I was I was in india I was in Delhi and I was trying to find the bus ya supposed to go to my location and just because I can't really speak hindi right and I was trying to get to the location it was just so infuriating the way like


the train station I mean the the it's just a MRT like metro station that just like had a very shitty directions and on top of that, I just couldn't really speak to anyone and then like I was rushing here and there I was calling the guy I was like look can you please tell me where it is he's like oh we are here we are here at the stand and it's just so annoying I just literally had to run and boarded the bus at the last minute


and they were going to, oh she disappeared but ya oh, hi oh yes ya ya so ya just couldn't find my bus and couldn't really speak to anyone so that was my worst travel experience oh I guess she's gone


oh yah I was just talking about like the experience of me trying to find the bus but I just couldn't and just


and to yes hi, testing testing, uh reaction


oh she's still stuck {oh] she's


ya so uh that that's about that lah there's the bus experience for, the the , you want to talk about your greatest fear


it's number twelve


like like in a job sense


mine mine would be a fear of mediocrity like, maybe just afraid to be mediocre afraid to just, not afraid to blend in I don't mind blending in but afraid of just being mediocre like being dispensable like doing something that just anyone else can do


uh uh just, not really excelling, in whatever I do so I mean not not everything I don't need to excel in everything but I just, I'm scared that like I look at myself look back and like I'm wait but anyone could have done that so I constantly


I think a need for affirmation I have from myself is, constant need to make sure that I, (hmm), that ya so that that that I can set myself apart, just like, call the blue ocean strategy, yah


so I guess can move on to, some of the injustices in the world that make you angry think is a very meaty question you you can go first


you can cover multiple injustices


ya do you have more injustices, uh okay so, I guess another injustice I mean one justice I agree with your injustice but also, for me is just, I think very general thing also just any injustice really just


makes me angry like, for example, I think, can't say too much but uh, like, I guess when when my when my when a professor reuse exam paper exam paper from previous previous year I think that was I think that that is symptomatic of of of a of a behavior that I just cannot accept where you know


I cannot accept anyone who cannot stand for cannot are not aligned with what I expect of them so that's why I call it the injustice of the, world basically it's because anything you take a politician you take a professor you take someone who's in a position of authority I would expect them to like have certain ethic or live up to my expectations in a sense but a lot of times they just you just start realising that the world is just unfair in the sense that no one really sticks to the roots


no one really no one really is uh bound by the same rules that they bind others by, which that that just is very injust unjust to me and I always make it a point to do something about it so I don't just let people get away with it


I think if you say something or you or you are in a certain role of authority you can't uh, you can't just shrug it off and do something else, uh, ya that's that's one I guess also just


genocides, racism sexism these are your huge, uh like, they are lots of uh injust unjust unjustice in the world that that make me angry like think racism really just makes me angry especially in singapore we do have certain like


uh you know I still sometimes have those experiences where like someone just says like something super like oh did you actually just say that or even just super sexist so in my circles is less racism but there is some amount of sexism and that's just like !wow! how can you even say that that kind of stuff


I guess, ya we can do you have another injustice you can cover in thirty seconds


(uh)


part two positive experience, martha I guess you can begin what are some small things that make you smile


guess small things that make me smile just


I think quite uh, intuitively speaking I think small thing that make me smile just like fun fun fun fun encounters like just funny stuff or just having great conversations uh also I guess funny videos I mean a lot of things make me smile I'm a very smiley person so


, I guess we could contextualize this question in the further questions perhaps we can go to what other sacrifices you've made that are worth everything


sacrifices uh worth that made I mean made that worth everything actually we'll know that too as we cover the rest so let's go to third question on describing the best movie slash TV show that you have ever seen and what do you like about it I guess you can go first


ya so personally I really liked uh the office parks and recreation this kind of similar shows actually on top of that I really enjoyed uh I think more recently I really enjoyed uh what is this ricky gervais thing afterlife


ya so a lot of these shows there are a bit of uh they are a bit meta in the sense that uh they're not just your regular run of the mill TV shows that you know they've a story something goes on or whatever I think afterlife really covers some very very potent issues but also packages it in such a funny way like uh


it's so absurd right this guy is just like morbidly sad about his wife passing away on top of that just people around him, like he's just so annoyed the people around him and then he slowly starts figuring finding out I mean slowly starts finding happiness in these little things and it's it's quite a heartwarming show I would say uh same for parks and recs same for the office I guess


overall my the theme the the pattern I see is that I really like comedy that's a bit uh a bit meta in the sense it's not your usual comedy and on the on top of that, ya it's a bit dark comedy at times or a bit like controversial comedy but you know it's comedy so I guess it's fine and on top of that I guess a show that while giving you that also give you a heartwarming feels


that office does afterlife does park and recs does I feel other shows I really like they do as well ya so how about you, as in are those are those the reasons as well like the heartwarming


, so what are three things you have in common with your best friend or partner


I think uh first like I agree with the those two in I I think just views in general not all views of course but views in general about, I mean our views on things we discuss lah I guess politics or the or


T I mean TV shows or like you know philosophically speaking ya I guess it's nice to have uh these things in, in in in uh some level of similarity some level of commonality not completely because so that leaves room for discussion but some level of commonality that at least we are has some room to stand in and then have a discussion so I think that's great


so I guess I'll also cover what's the one place I love to visit and why so I love the the mountains as you know like really love the himalayas in india so, I've I've been there I think three times ya, three times and in the the the middle one the second time I spending at least like a month there in the mountains I think uh


ya I just really really love the mountains because think largely it's just a hugely, different environment than what we used in singapore it's a and also it reminds me of how, in a good way you know it's just how insignificant I am and my problems how insignificant my problems are when I think out and stare into the vast like mountains and and and just the horizon et cetera and and on top of that I on top of that I really enjoy


seeing these ancient structures in the sense that the mountain have really been there for like millions of years and they were formed through a very very complex, geographical geographical phenomenon phenomena calls called uh subduction you know when the plates and the think the laurasia plate collided with the australia


uh not not too sure basically the laurasia plate collided with something else on top think ya and then just everything moves it and it's actually still happening where the subduction is carrying on where the plates are still moving into each other so actually the himalayas are growing by one CM, every year if I'm not wrong they're just growing and this is considering the erosion that's taking place on top so okay I guess I'm going a bit too deep into the geographical perspective


but ya so you can tell that really just love everything about it geographically philosophically as well the weather the the air is just beautiful there view is different when really just ya alone in your own thoughts and of course the best thing is


you really don't have data so you're really not connected with your phone, which means that you really have time to like stop and admire things around you so how about you you have also been there , if that's not favourite place also you can talk about what's your one place you love to visit and why


, I guess in the but I guess in the same same line we can talk about our favourite activity to unwind and relax so I guess because it I guess it covers a similar similar line like for me I think pre-COVID my favourite activity to unwind and relax


I think while I also do a lot of things just to unwind I think I unwind more than I wind it's I think firstly I always watch shows and stuff but on top of that I think my favourite favourite activity will still be like like I said the mountains and just riding, the motorcycle through the mountains or just trekking et cetera


so these are really I think these, I think one thing about my motorcycle riding is because even, more than a car more so than a car really need to be stay focused and because you are staying focused you stop thinking about everything that's preoccupying your mind and once you stop you just feel a little free-er so I guess that's just way more way more so in when you're like


it's like finding through the mountains where you have to be way more focused and on top of that it's just, so beautiful so you won't your mind also won't wonder you're literally focusing on everything around you and, ya so even trekking I guess such a physically physically exhausting activity and that would uh leave me you know like I wouldn't be able to think about anything else just thinking about that think that's also same for exercise everywhere so ya so what's your favourite activity to unwind and relax


so you want to also let's talk about uh what do you love most about yourself, , oh ya sure


when I laugh too hard I always laugh very hard so I don't know like ya that that's why I prefer to


maybe talk about what I love most about myself because, that also ya so, ya so what I love, more about myself I guess uh I guess I usually or most of the time I see things in a positive light, I think even if I'm affected by something I really see like okay but what am I gaining out of it in a sense that okay this happens to me


and when I'm reacting in such a way maybe next time, I'll know how to face this problem or maybe next time I'll know what to, what to do what to say or even just like I'm I guess I'm constantly excited to, to grow in that sense that


no matter what I'm just usually just positive it's just inbuilt in me to just remain positive about most things, ya so what about you ya


yup


think uh, haven't lived much of life to be proud but proudest moment guess like I guess we can talk about the most recent proud moment !whoa! alright disappeared, okay so


ah okay uh so the proudest moment of my life uh, !wah! really don't know man I I I I tend not to place too much emphasis on my achievements or so so you know so when when you don't achieve you're not so affected by it


so I'm I'm I don't think I've been, proud of myself but proudest moment my life I guess and things when when people around me do well or like uh I think when my brother like you know, I think recently when minister josephine teo went down to visit the COVID dorms and my brother was the doctor in charge there so I think that was a proud moment to me like uh


I guess like I I, I'm, proud of people around me achieving things like very proud of my friends who are just very high achievers et cetera not so much about myself so how about you


okay so I guess we can also talk about one of our most memorable, travel experiences, , so for me it would really be, uh one is that I mean the mountain one that was one or a month I was in india but also


equally memorable would be uh, I think when my friends and I just decided like a couple of days before we actually flew, !hey! guys let's just fly to Bangkok and then come back on train I think that was just a super, uh that's a super you know


one off thing that I don't think will ever happen again as like we grow older I think we are getting more responsibilities so we wouldn't just want to leave up and leave but I think that that was that was great like we just got up and said okay let's go and then everyday we just woke up there and then we are like okay we just went on a food trail so just, had a few places not typical maps and just kept everywhere and just went to eat


and then uh, ya and then we train took a train back I think that was so crazy like, we were just on we were on a long journey like the train itself for like sixteen eighteen hours on top of that and when we reached like Penang and then we're like okay we're stranded how do we get back to singapore and then we're just wondering about and then we lucky got like seats and then we got back to singapore so just a really crazy experience ya how about you


that's interesting I guess quickly we can cover the best meal we've ever had uh for me my best meals I wouldn't say like I I've really I'm not much of a foodie so I wouldn't like (oo) I like my meal at the lobster don't know what but like I think it's just about how they make me feel so


I think like even eating the Prata under my house or like #dim sum# under house sometimes when you're just really craving and then you just go down and get the food you just taste just taste different, so think that about best meal best meals would be those that just hit different can even be home food how about you in quickly like in fifteen seconds


, okay so the only


steps like towards investment that I've started so far it's like StashAway so I have created a few like profiles on StashAway and I try to, put in money every month and ya that's the only thing I've tried so far because I think it's very user friendly and like very good for beginners since they kind of manage it all for you


, I haven't really thought about it yet since like I don't know started earning a few months ago and like slowly trying to like figure out what I would like to risk and stuff like that so I think for now StashAway is like enough but then in the future I feel like it might


be more I don't know worth it in a sense to look at more like buying I don't know shares and bonds and things like that even though StashAway does put your money in bonds and stuff I feel like as I get to know more about the finance world I think I will try other things ya what about you


, ya I think especially now with everything going on like COVID and like how the economy's being affected by all that I think already it's in a very unpredictable stage like for everyone so I feel like it's even harder for individuals to like


be able to predict what kind of industries would grow or like where to put your money that kind of thing so definitely like consulting an expert who actually does this for a profession would be beneficial I guess for retirement ya


I think you've covered majority of it I don't have much to add on I think it's just like important to, I don't know make informed choices like you just need to do your research and like actually look at, credible sources for advice and people who actually know their stuff so


like a lot of people recommend having at least thirty percent of your like BTO price saved before you go for it kind of thing so like stuff like this I don't think everyone would, exactly know how to go about doing it or like when is the right time to do things so I think it's just good to actually do your research and read up and know more before you jump into such big expenses especially when you are younger because these can really like set you back for your future kind of thing so ya


yup we can move on to the next one so how do you spend your money and which expenditure do you think is justified and what have you what do you think you've been spending too much on


, like especially now because we aren't really like everyone's not really going out much I feel like I haven't been spending much but before this I think majority of my expenses would be on like entertainment like dining out and like drinking or like


ya just going and doing activities I guess, and do I think it's justified I think like to a certain extent like as long as it's not too much especially at this age definitely when we don't really have a lot of


financial responsibilities it's like better to not better as in it's all right to spend on things like this when you don't have to worry about the family or whatever so ya what have I been, spending too much on ya currently nothing much I guess


uh we can move on, , we can do the CPF contribution question, uh so what are your


I think, I find it very beneficial cause I think it's true that a lot of people don't really know how much of their savings they should be saving or like it's not really something that you would, plan for or think about especially when you don't have financial responsibilities it's always like oh we'll like I don't know I think a lot of people are just in the mindset of like we'll


we don't need it now so it's okay to spend so I think CPF even though it's like forcing you to save it's definitely beneficial because it actually ya make sure that you have money to cover you when you actually need it like MediSave and things like that because, it's like forced insurance right a lot of people might not think that they would need insurance because you're just putting in money and you might never ever


use it but then you won't know until anything happens so just the safety net and I think it's ya I think it's a very good scheme and beneficial to many many people like, it just helps to pay for all the very important things that you might need in the future like healthcare and like education or housing so


ya I think and ya it's a good scheme what about you


so depends on your income is it


ya I agree I think just like at least upskilling or just like making sure that you are constantly like adding something on that could make you more, desirable to employers and things like that would give you an edge when you are trying to negotiate for uh income in a future job kind of thing so even though it might not be directly adding to your income now it's just like preparing to increase your income when you get that kind of thing ya


do you think one should own a credit card, no the next question the credit card question so , ya I think I guess I'll go first since I'm earning so I've been thinking about this for a while like should I start getting a credit card like when do people even decide


that you should get one because it's not like we as in at least me or like the friends that I have none of us actually have anything that we have to like big expenses that we need to like actually spend more than what we're earning at the moment kind of thing so it's not exactly like we need a credit card but then


it definitely comes with a lot of benefits I guess and like the cashback options and like rewards and everything so it's more of, for all the extra added things that can come with, your expenditures which could be beneficial so that was the only reason that I was considering getting one


because especially because I had to cab a lot to work before COVID then there was some credit cards which give you like ten percent cashback for every cab ride so stuff like that is just like making extra money in a way since my cab expenses are actually like covered by my company but then this like allows me to gain from it as well


so ya I think it's it can be beneficial as long as you make sure that, like I don't know you read the terms and conditions properly like it's not too much of like a extra monthly payment that you have to do or like it's not too much of a


the one time payment initially and stuff like that ya


I think what everyone usually recommends about retiring comfortably is try to set up some way to get passive income especially when you're older like if you have a property that you can rent out or like anything that you've set up but that's like very I don't know not everyone can


afford that eventually either like owning a extra property to rent out or like setting up a business where you get, income like every month without really doing much kind of thing, so , other than the passive income method I guess it's just saving up and prioritising it as well while you can like at least putting in a little bit every month would eventually add up to a lot and like there's your CPF as well and


what else do you have anything to add


ya and I think it's also just like looking at the long-term because it's very easy to just be like okay it's not gaining much now pull it out but then you might in the future so just like being patient ya


part three negative experience


I can't think of my biggest one but like I guess a few that really really bother me is like, one that really really annoys me is when there is, not just when there's a presentation or like a group or anything but when someone is addressing


a few people or a crowd and the people in the crowd don't listen and they are talking among themselves I think really really annoys me especially like I think I realize this during university like lectures and stuff then I realize that


I'm actually bothered by this like when especially during any group meetings or like any not even an official setting just like a group of friend and then one person is trying to address the whole group and then people just don't pay attention or just like talk among themselves I think it's very very disrespect


disrespectful and ya I think that really bothers me and then other than that I can only think of very small things like people who wait at the signal without pressing the button even though they know that that's how the signal would come kind of thing it's just like why won't you you know


the ya ya just like small things


younger as in people of our generation or people who we consider younger than us,


okay I think I can go first with like the younger generation, I feel like especially now where there are a lot of social movements and a lot of views that our parents might have grown up with are suddenly being overdone and it's like so many things that they are used to are suddenly considered wrong which is I mean it's definitely like for the better kind of things becoming a more inclusive society or whatever but then


I feel like a lot of times the younger generation doesn't recognize that this is a world that these people have grown up with you can't suddenly just like impose and be like oh my god you are so wrong like you're being so hypocritical blah blah blah like obviously it takes time for people to internalize these things and process it and then like actually act on it


so I think that it's always very very necessary to be more, I don't know aware about these things about how it's a very, very complex issue like it's changing the whole mindset of a generation kind of thing but I feel like the younger generation it's like what you said about the Insta story thing is like suddenly being so vocal and aggressive about it isn't going to make a change kind of thing it's just being it's just making noise it's not actually helping ya


ya I totally get it like when I was taking my niece out the other day or something then I think she accidentally happen to bump into this old woman and then her instant reaction nothing even happen it was just like a small bump and her instant reaction was and then she rolled her eyes and walked away


and I was like I've experienced this a lot of times like people just like even if it was an accident a little bump like you can be nicer about it it's not like anyone actually meant to assault you or something, ya yup


I think the most recent time where I felt this would be during my


job search I think like before I started working there were like around six months where I was just like constantly sending in applications to like, probably a hundred or more places and I think it was just very frustrating to feel like you


I think it was like not good enough but also like don't even know how to get better or like don't even know how to improve the situation in a way so it's just like very helpless plus not good enough kind of a feeling, where like I don't know like you feel like your resume isn't enough or like if you see your friends getting jobs before you you're like oh why didn't I or just like comparing like oh they got a better job or like better salary or things like that so I think initially I was very caught up in all this comparison


is that I was very feeling very low negative like about myself that I wasn't being I wasn't good enough to get a good job kind of thing but ya, I guess it would that was the most recent situation I guess


, make me cry in sadness


, ya I I guess tear I feel like one that I really remember was marley and me where the dog dies think I was just very sad and attached to that dog and the thought of losing this pet that you've had all your life


for like fifteen sixteen years it's literally a family member then died then I was very sad by the ending of that movie and then I don't know I cry or tear but I think I was very like sad and disturbed in a way by like


the scene in truman show when he realizes that he is, part of this show or experiment or whatever so ya I think that was a very impactful like sad scene in a but not in a like a sobbing kind of way it was just like more it was more like deeper kind of


sadness I think ya what about you, any okay


uh okay, ya I guess, uh we can no we can cover it


you can go first


can I think my


worst would also be the israel trip but not in I don't know I think it was just the most, uncomfortable a lot of times because usually like as you said trips tend to end in like end well you know when you are like with people and just having fun or like you always find a way to make the situation better eventually but then


I think during this trip there were just a lot of instances where like solos solo traveling can be very scary especially as a woman so I think it was just like a lot of small small experiences throughout the trip dealing with strangers in a foreign city was just not great


ya ya I think it's just that trip nothing else


hello sorry I couldn't hear what you just said, hello can you all hear me


uh sorry uh wait give me a sec I'll try to change the net, what


hello hello ya


yup it is it fine now can you hear me ya okay ya yup yup yup so sorry about that ya


wait what's the question


oh what is my greatest fear, (hmm), I think my greatest fear is fear of


rejection ya I think I don't really in a what ya, in any way like I no no not just in jobs I think in any way just like, any situation where the other party can express some sort of dislike or like


denial I don't know I don't know but the other person can reject me in any way I feel like I tend to hold myself back from those situations or like, not go for those because I'm too afraid of the outcome kind of thing


ya ya tick


, injustices of the world !wah! this is very broad


I think one that I really really always think about like almost on a daily basis is about like, the like gender roles and like gender discrimination and anything related to that like women rights and things like that I feel like


even though a lot of us are like especially in singapore like compared to other countries it might be way better like, in with regards to access to opportunities and things like that it's not that way in many many parts of the world and it's just like it's I don't know it just blows my mind sometimes that that that there are still these pockets of communities everywhere where


women are actually considered inferior or like actually not allowed to I don't know like drive for the longest time or things like that just like being dictated about what they can and cannot do and stuff like that so that really really really makes me angry on almost a daily basis


yup you can say one


I guess, like income inequality I think like especially recently there were so many like threats on like everywhere about like the billionaires just making more and more money throughout this COVID crisis while there are literally like millions of people losing their jobs and they're just like on the street


can't get access to like get get tested even though they most definitely have COVID and things like that I think the recent circumstances have really just exacerbated the situation and it's just like, I don't know ya I guess another major injustice which just feels like very huge ya


part, two positive experience


small things that always make me smile I guess , , sounds all sounds so cheesy I don't know just like people being nice and friendly and like going the extra mile to like show you that they thought about you or like I don't know things like when it rains I get very happy or (hmm) what else do you have anything to say


best okay, best TV show there are few but I guess one of my favourites would be the office ya, I just think that it's a very very clever show while being extremely funny as well and like I'm generally very interested in like film and theater and the techniques and stuff so I just thought that office was very very clever and using like the breaking of the fourth wall thing and like


interacting with the camera directly and with the audience directly and then towards the end of the show where they actually show both the worlds like colliding and you see like bits of the camera poking into the screen or like things like that I just thought it's a very very smart show and it's very very very funny as well so ya what about you


it's a bit dark uh


as in the next question oh ya, ya definitely I think like especially like you mentioned like meta kind of humor dark comedy and stuff it gives you something to think about while being entertaining and funny and it's like I don't know it constantly like pushes the boundaries as well and like constantly tries to test like how far will the audience go or like


how to make someone awkward or things like that and it's very funny to watch and like how to see how people react or take it and stuff so, ya I guess it's the same reasons as you,


three things I have in common I can I don't know I guess we can talk about me and you I guess , three things that we have in common I think we just covered one we like to watch the same kind of shows and and what else I think we have


a lot of similar interests like academically and stuff like that so it's always like something to discuss and we are both interested in like, when I was in uni and I was studying sociology and then like you were always interested to like hear what I was studying about or like discuss more about it and then now when you are like taking related modules or courses then we like talk about it and stuff so I guess it's nice that both of us have that in common


and then one more can you can add on


, and then it was definitely one of my favourite places ever but I think like for me any place like it's not specific glaciers mountains I think anything to do with nature like if I'm just like I just like things that are vast I guess so like any heights like from where I can see a view or like


uh the horizon as you mention or like the ocean or like just anywhere where it's like untouched by humans in a way and ya it's just like nature surrounding you is ya I think it's all the same reasons that you mention so it's just not as specific as yours but it's


kind of the same I guess ya just anything with nature I guess ya, what are the


, I think my favourite activity would be dancing like I used to dance quite a bit before COVID like the shows that I used to do and stuff with a


dance group from my university and ya like you mentioned I think everyone just looks for activity that allows them to be mindful and focused and not think about anything else so it's just like it's the same feeling where while you're trying to learn the dance and you're like you're actually physically getting your body moving which is very


I I don't know I think it's one of the easiest ways for anyone to relax it's just like get up and move around so uh ask me to do that while also like focusing on, the steps and like getting it right to the music and like learning new techniques or like learning how far your body can go and stuff like that so it's like while learning something new it's also like staying focused and also once I'm done with it it's like you just get so much like mental clarity and you just feel a lot more relaxed then like


endorphins and everything so it's just ya I guess dancing and, especially now like since circuit breaker and lockdown and everything when everything was cancelled


I guess it was just a struggle to try to do that at home alone kind of thing so I guess yoga really helped because it's kind of like dancing but it's just a more like calm and like slower version of it and you're still like pushing your body while you're trying to like be mindful and stuff so


ya both of those things I guess, , we can do the next question the a time when you laughed too hard


, wait let me think do you have anything that immediately comes to your mind same actually


okay fine I I can't think of one incident as well


what do I love most about myself, , (hmm) I think, I'm generally very curious


I feel like I'm always trying to find a way to like learn something new or like a new skill or like read something new or try something new it's just like ya plan constantly trying to pick up, a new skill or a new lesson or something so I I think that really helps me push myself and like stay mentally


active and agile and stuff so I think I really like that about myself cause it allows me not to be stagnated, ya yup , what is the proudest moment of of your life


, mine doesn't sound as noble as yours or whatever but I think I'm very, I don't know the most recent thing that I was very proud of myself for was my, thesis I guess like working on it for my whole final semester crafting the whole thing from scratch like coming up with a topic and then the questions and finding people who would actually talk to me about it and


actually wording it and like constantly meeting the deadlines blah blah blah I think the whole process of it was just so intensive that, the final result was just I don't know it just made it worth no not made it worth it I think the whole process was really really enjoyable but also very hard so getting the grade


that I really wanted just made me gave me extra validation I guess that I'm actually good at it while I also enjoy it kind of thing so I think I was just very proud of myself for that ya


, I think mine would be like towards the end of my exchange in poland I decided to book my first ever solo trip to


uh #tel aviv# in israel and I think it was it was like the week of my birthday and I was like I don't know it would be a very memorable experience since it's my first time solo traveling and stuff so I think from the beginning itself it was just


because I reached the airport in the middle of the night and there was it would I didn't realize the airport was like three hours away from my hotel and there was no public transport and I was just stranded at night there and like figuring out how to get back uh get to my hostel and things like that I think the whole trip was just full of very


new experiences and since I was alone it's like I didn't really have anyone else to rely on or like anyone else would help make the decisions and stuff so I think, it was just a very very new experience that I'll always remember the whole trip it was like four days and I think it really taught me a lot about like I don't know traveling alone in general and like taking care of


myself and like just being more adventurous as a whole I think that the trip really like pushed me out of my comfort zone ya


I think for me it's more about the whole experience of how we got the meal rather than the meal itself like the meals that we had on our the the mountain trip for example like random families like who were staying with and they were just so nice and hospitable and stuff so ya think it's a whole experience


okay so ya, talking about saving account


ya you you can you can become another bank account I mean like you can become the bank itself you know


okay lah talking about saving I think uh I mean like most of us nowadays not on ya most of us here we have the saving accounts I mean like like for myself, okay I have like since since I was young but it just that that's under my mother something that my my my mum is a the one that who


, open the account for me and I also don't until until now I don't know where's the account is ya so actually I on my own I started for myself is like eleven years back which is my on my in my first job ya so


until like now when I getting married I open another one account from another bank to just to save my money there ya and try try try not to, withdraw from the from the saving account yes I tried


yes and so when I started I mean like I started my marriage life so I have children so as I got two babies and ya they have their own account lah, because like you know you know when #hari raya# time when whenever #hari raya# or birthday or even like any function when they see us right


you know the elderly or even the you know the the aunties the uncles they will, give them like you know small tokens you know like Angbao that kind of so, you know as actually like I really like keep their money inside my drawer but, eh there's a lot already leh like me like almost like more than one thousand leh so eh come lah let's go lah we go and open account for them lah so ya so they have their own and linked to my own main account so at least I can see their money but I cannot withdraw their money because I don't have the cards I really I ya I really like ya I I ask


them because the bank ask me you want the card ma'am I said no it's okay I don't need any card, ya I don't need any card, ya cause I scared we don't know right I know of course we are we are, I'm not trying to use their money lah but who knows when


you know you have like eh, I don't have I mean like I I am very, tight this month ah never mind lah I just use our children cards when there's a card ya ya so I not to lah not to have their their their cards ya ya so


so you mean with the credits called what credit score is it


ya so so you mean when you want to do that like the I mean you want to sold the flat and you want to when they want to see the credit card is it is it like is important, when is it important when you have a credit card or what what do you mean by, so


so if let's say the person the person the seller don't have the credit card, so they, they they cannot see how's your this means how for your credit card so it's better to have credit card that what you mean


so you telling me right now I need to apply one credit card lah


ya it's new thing for me though about this credit card I mean like for this for this like selling houses they will check your credit card I mean like if let's say you don't have the credit card and you don't like they cannot check your background it's like, I mean if let's say you don't have credit is much better right rather than you have credits right so ya


so but is new to me like when they when they want to see our credit thing leh, , ya ya I understand but ya, I mean like for the housing thing lah for the housing thing like you bid ya is new lah


oh okay


so when you comes to loan you have credit card is much better, you good debtor lah correct lah okay lah is fair enough lah


ya lah correct lah, because because while


ya before I put inside my pocket or is before I put inside my wallet though, sometimes I'm not I'm not even I put inside the wallet I just put inside the pocket or in the one plastic right then at home ah just clean up ya , sorry it's a bit Kiasu you think


you come money then put inside your pocket right not your husband right you won't give it to your husband, , because while ya that I mean like this that's that's good


I mean like your you share your experience is like is a new thing for me lah so about the credit card thing so I can change my mindset about credit card thing because before that I don't like credit card because I just scared I overspend because, I know myself I'm a like so called like shopaholic date shopaholic kind of person ya so


ya so like I mean like before lah now I still I think I'm okay so if let's say, I mean like let let's say we talking about the loan thingy right so I think maybe I can change my mind about credit card lah so ya, and


ya lah correct lah but then the thing is I need but I need to spend still because I need to waive, my, my annual fee right ya so, oh is it oh that's good okay


(uh huh), okay okay


what is the different I mean, ya, car loan [orh] ha bank loan


ya lah once once it's once it's it's it's good to go right everything will get okay ya it's okay lah never mind lah as long you are happy ya


fixed deposit oh, ya true I I never try it before I wanted to but it's just that I'm scared, like


in in future right if is ya is safe is safe there it's just that I I I feel like my life is not safe outside there ya you get what I mean ya so it's let's say what I mean is in future right okay I have the fixed deposit there and it cannot


take out the money right ya it's already locked in ya once you go I mean like once you save there you cannot you cannot take out already so I just I just, can if let's say in future we don't know what happen to us right like say that we really really need some cash you see ya even though like we have no debt cash but we really need that amount so that amount is inside my fixed deposit so I feel like


err you know like oh my, ya so I don't I don't really, I don't, insurance actually my husband is the one who actually , settle settle and he's the one who who do all the insurance thingy lah for myself for him for the children ya so


oh I don't know about the unit trust actually


but but the for me like I mean , for this investment all, what I actually there's one thing my my I mean like one of my buddy one of my, friend old friend actually he did this was like he using the CPF the ordinary account to do the investment because


while they are just lying lying on your in your account there right nothing to do and we keep you know we keep on contributing in the CPF but then the money just there so actually they use that ordinary account from the CPF to do the investment so now I


try to look I mean like looking forward for that lah actually, uh so ah what what happen


I see ya, ya mine is only four four in and then one and a half so ya even if ask them to manage their own bank account right I mean of course lah now not at all lah ya but if let's say ya right so but if let's say in future


I think maybe they can is only maybe at least like eighteen years and above ya or seventeen years and above that I think is the just nice I mean like, is a good good age


how old how old is your eldest again, twelve years old ya


ya true true, when they are more matured when they are in the when they are in the institute that they are more independent ya I think that is the time that we can let them you know let them uh use it I mean like err manage their own money ya of


course there's a you know plus minus thing I mean like we have their we still, the the the own the rules ya so, I mean like, okay I give you this allowance and then you, manage yourself so from there ya they can independent and they know how right I mean like how they struggle or ya how they how they want to use or to spend the money wisely ya


ya I I mean like like I said before like what I mentioned earlier ya it's like I mean, for for for, for like now right even even my my explained with my niece lah, now is there's a Carousell now there's a you know the uh there's a


Carousell there's a shopping online so every time I see her in with the nice shoe with the nice dress from head to toe so I ask like eh new shoe, and she like !oi! ya and then like the parent which is my sister say oh she used her money and for uh to buy herself say !wow! that's I mean like


ya but then I mean like, I I don't know where the money come from maybe my sister give them allowance every month but then I don't know what they are doing, so it's just that okay so I don't want to ask more because is their their their family thingy their ya it's a bit sensitive I think let's say I I later they will say eh I'm a Makcik Kaypoh you know so so


so better not to ask more ya but I ya one one thing her thought is when they are


negative experience , okay, you know I you know you know it with the COVID this COVID nineteen right now right I feel like, you know I my I really annoyed with people


if because all of us all of us, we we wearing a mask right so actually the mask is to filter, to filter the virus or to or other like dust, or anything to you at the same time actually to filter or to to block whatever that come out from your mouth as well right


then, ya then I feel like you know get got like few people right I saw I feel very very annoyed because why, they they covered that, ha hello me okay now


okay ya, so I feel like you know when I saw this kind of these these people which is when they are, walking then suddenly they while wearing masks but when there are suddenly like they want to cough or they want to uh sneezing right they go and open their mask


yes they go and open their mask and then they coughing and then they close it back then after that they want to right, that's, that's that's the thing I was very annoyed I'm very angry you know then when they then when they want to sneezing some more they sneezing I still can see the saliva like come like splash like that ya the splash like


like and then they take out their mask and oh my god, uh sorry sir are you I mean like you take care of yourself is it I mean like you should take care of others people as well I mean ya you take care me I take care you lah right then what is


what for you using mask, if let's say you you think let's say if you think that you scared or you worry that you were dirt, uh you would dirt uh dirt or uh ya you would dirt your, mask right then you go and I mean like you have you have to be you have got standby one or two three pairs of mask


in your pocket like for me myself ah I always bring extra inside my bag myself I got another two extra for my girls and boys I got another two extra because sometimes you know the the kid sometime they when they eating with the chocolate lah whatever lah so I would change change change change change, really at least like you get you bring extra one lah I mean


rather than you right, right that's what I that's but uh when I saw please lah I I feel like, later later people Stomp me so I just like oh my god I just like you know shake my my head only really


oh my god sounds familiar though


correct to be professional more yes but at the same time let's say you being professional but more than five or ten times they still act blur at like you know really blind or what of course lah


Gundu


, but if there's another there's another I mean like another person they have their this kind of character I don't know whether they are really


is their own character ya true I mean like we, we feed them actually for most of the information actually we gave them but it just that and the most in the the thing is where they they write on the paper I mean like they took down everything the information but they never open the book


ya they didn't open the book and they just you know the easiest way is eh Farliza what is this what is this how ah


sometimes lah because since sometimes because since you three weeks back you since you, say that I need to go walk right go back so I walk so I'm not really public anymore or somebody will come along,


, example I think I get your point I mean I I can image I I can I I I know what you trying to say actually but it it's okay you can go on ya


cannot stand and acting like ya I mean like I of course I have the sympathy of course I will ya,


ya ya true, eh talking about that right talking about that actually I have that experience when I was in still working in airport so I was


pregnant you see I was pregnant and my baby bump is not too big and my dress is a bit bigger loose and I was sitting not at, the the the the, reserved seat you know I'm not I'm not sitting at the reserve seat I sitting on the normal seat but this


one this one uh, older right ya the auntie right out of out of other people I don't know why, he just uh stood beside me and like you know like try to massage the knee


massage the knee in front of me and try to give me the hint lah eh give me seat lah I'm tired already something like that you know so I was like I look at her I just smile actually because I first I not really get the hint so I just smile then I after that I just sit down because I'm pregnant I mean like


ya ya I mean like you admit it we are the same position right now which is the other person which is there are more younger younger than me actually they should stand up for her so I was like I and then after few, still massaging on the knee right and then I was like eh


oh so now ah so so yes so now I understand so she want me to to get up and she want to sit down then I was like look at her and I look at my my uh my my my another passenger, and at the same time I look back around you know I really look back around


then I was just keep quiet I I just leave it there but then the auntie is actually before that I know I mean like this auntie like not so call like so old as like my grandma grandma, it's, ah yes so I so like he's still make


put on makeup like in the I still can uh the hair uh the hair is very like Ibu Ibu kind of then suddenly want to sit down like that at me then I was pregnant so of course lah I mean like I'm not trying to be like sympathy I mean it's not how


you see ah like fair or not fair I don't know, how they should put it but it just that I'm not I'm not I'm not give her seat lah anyway ya really because ya because I mean like other people the old she's err seating are the on the uh sitting on the reserve seat they should actually give up the seat


not not me especially I'm pregnant, if let's say I'm not pregnant, if let's say I'm not pregnant I'll give you away even though I'm not a reserve seat I will give away but it's I'm pregnant I was pregnant


some more you some more you you you working in the airport is how you know how staggered the the road the, the working hours is like for me uh for myself ah four O'clock in morning I need to get up, and then like four four O'clock in the morning then all all through until uh three O'clock four O'clock then I can get home


so I was like really of course I will, very shaggy uh shaggy and when I was pregnant just really what I pregnant and have that kind of working hours how you how do you think that how it's my experience really


ya talking about the airport thingy right so it was my old job which is under retail lines, about the because we just, ah we we we talking about older generation just now so I think right I just talking about experience I just like recall me about this younger generation you know which is when I


I mean as customer service I will serve all the people like fairly lah even you come in with the slipper or with your shirt half, torn I still serve you as a VVIP serious serious this one damn serious ya because


for me you are still my customer, and don't judge the book by its cover you see, ya so our really uh I will serve all my customer right really fair whether is you, older you younger you you like like don't have money like


you really have money same thing I give you the same thing, ya so, for these younger younger generation right when they when they are a bit educated which is, ya yes they are Yaya very Yayapaya and they are demand you like ya they demand you they demand you like you are a slave you know serious


no that one that one that one is in the okay we're talking about in our work if let's say in our work healthcare right you just sit that sit or sit down on the at the registration counter or maybe in the in the room as well right when they talk, they are not talking actually the parents are are talking actually


, I mean like when I ask you I mean you are the patient right you are the patient you are the the the you are the body is, it's like the patient is there I asking you of course I need to verify uh uh verification so I ask you so what's your name what's your IC also like blur blur like ah ah ah


oh please lah ya, ya


a lot a lot a lot actually ya they all very Yayapapaya when they are with their friend, they are very Yayapapaya when they are, with their friend with their girlfriend but when come suddenly like parents come up right then they they are very blur blur uh blur and everything don't know


I want I asked him, ah I I ask him , ya ya, when I when I ask him , ya I asked him why I ask him so what is your telephone number telephone number also like err three five


true ah like that then I was like eh hello you already how long how old already I mean like you are not like, primary school kind you know, you are really higher sec leh


they Yayapapaya outside , you want to talk


if let's say you talk if let's say you talking about the ya never and never end talking about your, empower empower country that kind of right I mean like there's a, the, one that already empower the money empower the


I mean like, like so call like ruin uh like the rules the ya rich ya, ya they're all the rich country I mean like they are rich they are getting more richer but the thing is now what I, what I feel I mean like I feel sad I feel bad actually is when you know when the like what you said just now the what


the war right ya if there's a of course I don't the the the war actually the the, I know when the show I put it into this I mean into I I don't know whether it's really sensitive or not but then I feel like for this country already in the war, and


the richest country that actually linked to that country actually is like like I seems like there's no like not helping


because why because for overall right by end of the day they go sleep they still go for the politic they still go for the economics because, ya politics economics I mean the economics okay okay maybe if let's say of course there's a pros and cons if let's say they do this and do that you see right you know right ya so if let's say okay of course I love I mean this is my people I need to help them but if let's say I help them


I need to see another another picture you see, ah so so if let's, ah, so actually I'm very actually, I very I feel so I feel so


scared for my children in future, for our for our, ya I mean like ya lucky in singapore but then the thing is


eh please lah that one that one I really cannot serious, you know like it's actually it's actually abuse


if let's talking about that right really like actually even if let's say ya true enough that, I'm very I'm I mean I'm so I feel very blessed and grateful lah if we are to be here in singapore right ya but it's just that for


ya but then the thing is if let's say, talking about that right there's another one thing that we should, not, we just no need no need to be should really aware because this one is more to politics and money flows for the country actually because there's one country that they are really ruling ruling the money right now ya they ruling the money to any country they are


they are not in europe side you know there's is asia country which is I don't I don't I don't need to say it lah right, yup, so I think it was done


positive experience


so what's what's your hobby what's your what's what what do what, what do activity that you feel the I mean like happiest doing as a child ya


especially especially when your parents say no and you are really curious to know that's the happiest moment that you you can do like, okay I want to do, but then after that ah when know already your parent like you know like like scold you right ya lah you do you you responsible for it lah


my childhood think is actually like nothing much actually because like I was, actually when I was school right , for the entire secondary and primary school right actually I stay with my, like foster parents ya


ya so ya so when I stay have with them is not like really my own family so of course there's a, like there's a bitter bitter part ya there's a bitter part and there is a not as, I don't think there's a sweet part at all lah but I mean once ya once once I it's we end time right so eh I got to see my parents I got to see my you know my my my family so ya that's it


the part I would look forward my friday yes I would look forward my friday and eh, I come back you know I ya I I back to my homeland ya so, and, but then when come to sunday right I feel I feel like


can can I can ya can I just stay here don't go ya, but it really lah ya so like is a bit different ah but, being like child I mean like my childhood if let's say with my parents of course I very happy lah but


ya nothing much to say nothing much to say it's just a normal, kind of childhood you know go play around at the playground with the friend uh cycling ya play the you know the crocodile cashing kind of thing ya play football some more I'm the goalkeeper you like okay and all the guys ya


there's a ya


when you go to school ya actually actually, a lot of people you know especially like our elders right like you know uh okay you are the eldest I mean like for myself I'm the last one in the family so you know all my sisters and brothers even like, other people like eh you are lucky you know you are still schooling now we are we are ya so it is like actually for me


said really I feel like it's better I mean like I want to uh finish my school early, ya ya correct correct, don't need to follow the rules you know no need to follow the wake up in the early in the morning and wearing all white shoes that kind of


and but then once you, , ya but once you already in the, adult adult uh, I mean like in the in the in the another in ya


you feel you feel like OMG cannot go back to school ya correct lah true lah actually ya, (uh huh) then you ya then you like you imagine yourself in there


ya and in and if you can remember you know when we we our recess time ding then everybody go to the canteen and really like going queuing like long ya aunty fifty cent #nasi lemak#


but no no fifty not no fifty cent already now ya no incident already


proud of your proud of you ya, tap on your shoulder man


oh there's another ya I'm going I'm going to my my my my my goal you see so actually my husband push me to get a license which is, I mean like I I know lah I know I know I want to get a license is ya is just that


for me like I'm scared, I'm just scared about my year one because I got this, year one like fear ya fear ya so, part of my husband actually this this I mean like yourself lah yourself is the one who actually also push me also to get a driving license yes I I did as already halfway through just that ya waiting for my


all my another uh income incoming oncoming, err test lah so if let's say I really can I really I really can can, pass it through right and I really can , I mean like, how to say achieve my I mean like uh what they call it


not not not achieve your goal not achieve your no no no no not achieve your goal I mean, you really can I can overcome ya I overcome I gear one fear !wow! I tell you that's that's the best thing that I've done for my for myself, ya


oh Farlizah I didn't know eh man


actually you can go I mean like I don't know I'm not too sure in singapore where is it but then there's a malaysia right they have their own kart uh their own err circuit lah for the racer


ya sport car never mind is okay next year I mean like your birthday I will buy you a sport car, , at least there's the motivation there you know when you see the car right you you you you remember me and, your your your your I mean your another goal


eh talking about the millionaire just now right I mean like you you want to buy I mean like you want to buy a


sport car if if, myself right I mean like car for me is okay lah I can just get a any car but of course lah maybe the, nice nice nice nice nice nice car lah I mean like not not like know just a normal car you know nice car lah but then if let's say for millionaire


I would go for of course one another my another goal is to have one property in malaysia which is, because I because I always I always, I always I always go malaysia I mean I always go JB because


I would like to staycation there and like doing my grocery things there so at least I have house there so ya ya so and one thing because I mean like me and my husband actually we really like discuss you know like, eh we don't I mean like we have children we give what I mean like we try our best to give them best ya but the best but I mean like if like


in other I mean when they are grown up already right don't, ever ever like we are expect them to, to to ah ya to feed us back to feed us you know that ya, to feed us to really depend on them lah don't think of depending on them lah just leave it their ya


ya true so so that's why that's why I really need uh I really need the house I really need the house, in malaysia or I mean like you know at least I I at least when me and my husband is really retire so we have a retirement house you get what I mean ya so


ya of course that's a good actually that is another thing so that's another thing so that's a three thing lah in if let's say we are millionaire , ya talking about millionaire oh my god, I feel I feel like so I feel like so big like that


!wah! so Shiok eh a mansion in make sure is in front of the beach and ya beach and the beach is our our our private beach you know


!wah! so so big ah our dream but it's okay to be to dream big yup


then I would then ya, true different experience different


different uh situation will you'll get a different experience ya different people ya different people also you will get different experience, ya, so like for myself if let's say before before, I have kids I always uh I mean like I go travel with my my my husband


so when when we go travel together, if let's say we couple so we just do our thing and then like, we I I mean like we have our own time lah to really do our own things but of course when you with your especially you know what my honeymoon right is supposed to be what my honeymoon you know


but, but my husband bring all the monkeys, all the buddies, I say eh eh dear this is supposedly our our honeymoon leh how come you bring all your buddies and, there are three three couples


so three couples plus us, so I was like eh hello this is our how come ah then he like it's okay ah later boring !wow!, just few just few months I mean like two months back we get married you feel boring already you want to bring all your monkeys ah hello excuse me and he said no lah dear if let's say is more fun right with them ya lah more fun for you lah because you can drink with them you can you know


play the card with them then how what me ladies go shopping shopping because you all don't want to follow us to go shopping right, so if let's say they bring the wife then the wife can entertain me go shopping that's why, then I say ya very smart my husband very smart yes, and it's really really yes it and he achieved his goal there ya I tell you


you know from yes you know from, my another honeymoon already , this time round what we might make it another one


ya I want the far far, yes I want it after this circuit breaker please open the border please, open the border and please I hope the vaccine ya the vaccine soon right I think that one I I think I I heard it that like


last, two three months is already like they are getting the vaccine but, ya they ya there's a try and error lah of course, ya I hope they really have the the the ya, I hope they really have that that safest vaccine and the


I mean like works lah works on this this this COVID nineteen right now because I'm really, I really like I really like dying man, dying ya


funny right ya, I was like eh, you see okay okay can you imagine ah last time before before they they say I mean like they were they were saying that okay uh one table is five people right


so, my household my households is more than five already, uh my own household you know I mean like I have husband my husband two kids my helper and my father-in-law how many and then what my father sit another table


or what might me me me myself or me myself sit another table is it, cannot be right I mean like ya, of course lah


ya true true


, , okay ya


I mean like so like in another words is like you know even though even though like the border is already open right actually even though the border's already open but the healthcare workers actually is the last last last person in the on the earth that can go out from the country


that is another word ya because we are the first person that we we cannot go out which is that time I still remember when they they they still open the borders which is everybody's can go anywhere but of course there's a social distancing and the mask, but for healthcare we cannot go out at all at all our lift all blocks that kind of ya and if let's say it's open border's already open


it's the same thing we are the last person but it is okay I feel blessed ya I feel blessed because one thing beats this is my I mean like, one thing is this is my first healthcare ya I still have a job I still have , I mean like


yes true true true, ya, ya because like last time I I was a retail our retail lines right so when I just nice like last last last last two years like I say ya I just join correct true true


ya if let's say I see in the retail lines ya I feel like so I feel like so blessed I have this job and I feel I will so blessed you know with I mean like, one thing you with this pandemic everyone like realized their hygiene is important that's the most thing, ya ya


yup (ppl) !wow!, (ppl) okay


okay yes correct okay finance okay alright


so so uh ya I'll I'll start, okay err savings account I I, ya so I think savings account everyone has one lah even the most basic one uh so I have a savings account since of course I was, young I guess that was opened up by my mom so I I don't use that account when I was young I started using it the moment I started working and then from there uh as I work


I began to open up more savings account uh for the purpose of separating or segregating my money lah so that not everything is in one nest, and as we grew older and then we have children I began to open a savings account for them as well uh for the purpose of saving their money their #hari raya# money and all that stuff


uh ya and, and at the same time I did open one more account I got so many account , for the purpose, , so the other bank account is the purpose of you know sometimes there are things to pay at a certain date or a certain month so that's where I will park that money there because I don't really like to use GIRO


ya uh so uh, ya I don't like to use GIRO function I don't know why so uh ya so accounts and accounts lah what about you


ya and then uh talking about joint account also uh I I do have a joint account which I open up with my husband, but my account ya quite special lah this joint account is more of his money is my money my money's my money lah so uh in that account is his money whereby my money is in my own account but that account got my name


ya so is a way of me helping him, to also save because he really he doesn't know how to save lah in a sense and, aside from that I also have uh credit cards I utilize it, for the main function of uh for rolling of finance and also to increase my how to say that uh our credit


score our credit score because uh credit score is also very important I feel uh because, uh we will never know when we might need to take up loans in emergency, so ya uh for example uh just share one experience uh I've just sold my flat and then uh I've learned a lot from there uh one thing is uh when you want to apply for high purchase loan the bank will really look at your credit score


uh I don't have trouble with my credit score because I have credit cards and I have, uh good credit uh what's that, good credit score lah in a sense whereby I make prompt payment every month, ya so uh but then again it it actually came uh after a a tough fight with my own self eh last time when I started having credit card of course I didn't have the discipline I don't make full payment I only made partial payments stuff like that it came to a year whereby I use my bonus to clear everything and start afresh


until today every month I make prompt payment, and yes uh to have a good credit score is very important uh, uh ya and our home loan got approve uh actually because of the credit, this one is only banking facility I think they can see lah then when you want to apply for something they will see your background they will see uh how good are you at repaying debts so is also in a way whereby it shows to them that you are a good debtor


ya so it increase, they don't see your credit card, yes it's important in a sense, because no


uh okay it's more for the I think the finance uh area the banking back backend I I I don't know how they work but I believe uh from my understanding is, uh they see our record the bank okay for example if you are a bank you want to borrow something to someone of course you want to do a background check so uh I want to apply for a nine hundred thousand loan example right ya


nine hundred K loan I wouldn't want to give it to someone that is dubious therefore they do the background check your your finance your repayment stuff and like that so I don't have any issue but, my husband was on high risk because my husband do not have a single credit card so it was a fingers crossed for us at that one week we couldn't sleep well because ya uh the


so so so ya so the the broker the mortgage broker actually advise me once if let's say this one home loan approve just apply one card you do not need to use that card he he advised me for your husband lah


uh that one is more for your future uh also let's say for example you have an urgent need of cash and then you have uh maybe a operation maybe family need operation need money you can use your money from your credit limit


to take out that means if your credit limit is fifteen K you can easily get at least about eighty to ninety percent from your credit limit uh at least to tide you over during that crisis lah which I've done a few times lah that's why I know ya but then you need to make payment within a certain period of time so therefore that


ya so, because you want to apply your you you want


correct but provided uh, I I mean like, ya the bank will run a background check on you lah to put it simply, ya and then,


no that one is I won't say housing I would say uh application of loans, irregardless of whatever loans lah maybe you want to apply this loan or that loan they will look at, background check ya and of course see your your income lah but background check also quite important lah I think for them


ya, uh I wouldn't say I I I don't want to comment say is very good but it may increase your chance provided you are a good debtor lah, ya you must make prompt payment let's say this month you you spend two hundred you get salary you pay two hundred lah


you you you know ya so I ya I usually, use card more for for for purchases main mainly because I don't like to use cash especially now during the COVID period right so ya I will end up sanitizing all my cash so


ya ya seriously when people pay me right then then I will find sanitizers and just wet my cash with that that sanitizer lah, ya and then ya


then you wipe same lah, when my husband get his salary because his salary is in cash so first thing I ask is like eh you wiped the money already or not then he say ya I wipe already ya then I will count the money like that lah


ya then I will put in the whatever that need to pay , something new to you ya


ya so you must have your your discipline very important


you take then you don't use lor, really you keep at home I have a few, ah lah no lah the bank I tell you every time you call them to waive they waive for you one


I I ya I've been doing it for a while , , ten odd years already you just call them and waive never use also call them and, waive then they will waive for me but you say nicely lah then they will waive for you


but one thing I think about uh that time ya about back to the I apply for the home loan right some of the question I can share with you that the mortgage broke ya I use a mortgage broker instead of a, banker so, the mortgage worker first thing they ask me ah


was do you have a car loan, so I'm like oh uh the van loan is not under mine or my husband's name because uh he says the car loan will greatly uh, not say affect but may affect the amount that you may get because I think there's a total uh ratio of uh for every one thousand dollar you earn they can only grant you a certain percentage of money


kind of thing ya, total debt ratio or something lah whatever whatever they call it lah, ya I forgot already lah actually my my uh loan approved already everything I forget lah


the rest all not important, , ya so ya I I no uh what about fixed deposit do you do you use I've been thinking about it actually I've been wanting to try my hands on it but I not really have much experience on this fixed deposit though


fixed deposit, because I feel that bank account ah mostly every bank the the percentage that they give is more or less average leh quite the same


fixed deposit could be is is quite safe is quite safe just that you have to lock in, ha your life not safe what you talking


ya is lock in lah


then you got you got buy, what about insurance


I also got buy insurance lah which I I personally speak to the agent, uh ya so ya unit trust I I have a unit trust investment I used to have that previously and I'm still having it just that I'm not paying the premium and err ya I I'm not paying the premium but the thing is the


policy is still in force, because it's making money so you just keep on rolling and rolling and rolling lah so I just uh let it run because of the what's that the rider that it has, so I don't need to pay anything I got a fifty K rider so why not but at the same time I do have my own other insurance lah I mean like my investment plans which the agent help me do uh I don't really know what the plans are I just know every month just pay lor


I've done it before the agent help me with it but I actually encash it back, because there was ya because uh there was a period that my husband was not around right so, I actually use that money to pay the house loan so I encash back my CPF investment lah ya but it doesn't matter lah I mean like anyway CPF for me it's for house you let that whatever you do also is for the house unless you die and then you can get the money mah


so, so I I just, encash back the policy lah, ATM card do do you


uh your kids this small ah three years old ah four years


my my daughter also has been uh asking for her money her money then I'm like no your money is in here you can see how much you have, but I have not really thought about giving any ATM card yet I've really never thought about it before, she twelve twelve actually but I feel that do do they do not need to have an ATM card


at this point of time because their mind is all about spending you imagine the money that I save for her the past few years gone in overnight if you give her an ATM card you'll never know, you see ya so they don't know the the pain of saving and and things like that uh maybe when they are more matured


then anyway right now whatever they want


how to save, now anyway everything also we are paying for them, they they don't really need money at this point of time I feel


everything is provided mah ya it's just that whatever money that belongs to them then I will put it in their bank account lah this is also to boost their moral, the their morale so that you know eh uh I I'm so young but I already got savings and also it it it might be helpful if let's say when they are in their early twenties they want to start a business they have money rolling so that's the purpose of me saving lah


uh for them ya whatever that you wanna do next time I don't want them to be deprived or the problem about money is the one that stop them from doing what they wanna do, ya, ya so that's why I save for them, ya


then why you save also for the same


but how she have so much


one two three, negative experience, okay alright (hmm)


negative experience in life


I I think Lian


ya then they take out their mask right


spare lah but they shouldn't do that though that's really really irresponsible


for me my pet peeves I would say I I cannot stand people that uh, super blur, really that one I really cannot Tahan, uh I really cannot Tahan I I can I can explain to you one time two time three time but if you still


ha ha ha, really ah what you mean really ah you you you think I am talking to you the last five minute is I talking to the air is it, you know then I I but, but at work sometimes you have to manage your emotion right so at work really I must


!wah! I cannot Tahan you know sometime ah in my mind you you know whenever you watch TV they always have this scene whereby uh you will see that girl uh suddenly flare up and all that stuff but actually that girl is just imagining that emotion ya that is how I am when I'm at work talking to people like I'm talking to the wall


I mean like we're all adults we all go school educated people some more leh, how can an educated people be so err, how do you say stupid in a nicer word lah I also don't know, uh I, !alamak! I already say like that like that then you just follow the instruction lah all I I have people that


instructions are already in front of you step by step dummy proof some more step one click yes step two type yes step you you know that kind of instruction and they still like eh how ah how ah hello, excuse me what you mean by how ah you read you read and you do it and you can do it is dummy proof


there's a lot like at work lah which I have to Tahan lah my anger lah my, they just don't want to think you know they have no initiative ya they don't want to think they don't want to use their brain


but they don't refer, correct that's right I agree


and then will complain to the supervisor that oh this one uh uh no good ah she got no patient then but own self never see own self in the mirror then you you one blockhead down there how I


never feedback you being a blockhead also mah you know, that one is pet peeve lah I mean like (ugh) generally you know sometime lives not everything is, is positive I think it's a balance of negative so ya uh apart from that right there's also stuff whereby people like the older generation


they, uh you still taking the public right I don't know if you notice


ya so you you notice ah okay in public transport especially older generations I mean uh nothing personal no hard feeling but I really really really cannot Tahan when, they make use of their age, to get advantages


example, you can run to the bus stop, ah, ah you can run to the bus stop you can catch after the next train but suddenly inside the train you cannot stand ah


you mean finally have but , they take advantage of it most I I mean I won't say most I would say generally they do you know they take advantage they purposely stand in front of you give you pressure I mean we may be younger but we are also tired after a hard day of work or we may be feeling unwell we cannot be wearing a tag that !hey! I'm unwell


expecting you to give up


why ah she massaging ah you know you start to realise


like maybe like fifth forty fifty-ish, ah, still can make up right still can do the hair like like like Agogo right


, ya ya you're right you're right


and we are tired and things like that right especially when you're pregnant you are just so so so shag whatever it's just so shag ya


ya working hours


ya so for, where's this ah traumatic incident, some more you must stand some more at work


for me uh ya, !wah! Yayapapaya, , very the Yaya I feel like slapping their face you know this, yes


demand this demand that talk so big until like they know everything like that all the already already they pampered pampered, child I tell you ah like you see all those army boys ah if ever ever there's a war in singapore you think they can defend you ah


come to the hospital already like blur blur Sotong what what special name or what uh uh uh uh ah your head lah ha can you give me a definite answer a not firm and strong


ya and they have no confidence no confidence no no no how to say they don't stand up for themselves they can't even speak clearly


ya what's your name uh uh uh, that's why simple thing right so can you imagine do you think they can even save the country if there's a war sometime I look at them ah I always feel ah I think ah if there's a war ah I think I must go to the frontline and save my children first want to expect these boys !haiya! you wear the uniform also for nothing


a lot of time lah all these younger and apart from that they are being very self, ya they uh being very uh self-centered


everything don't know only know what to do you know they only know how to dress up very nice must be branded must look nice must look swag, and then your your inside Kosong


uh uh uh, uh right uh I know


ya precisely, uh, and then other than that uh injustice, some of the injustice in the world !wah! a lot, , a lot of injustice in the world we can talk about simply put uh all those uh kids


or family at uh, third world country you know sometime, I feel like we what do we have a united nation for, united nation aren't they supposed to help these people, aren't they supposed to do something for these people where's all the powerful man all those rich men you see you you guys have the capability and the finance to help but instead you guys are selfish only want to save your own country you see all those kids got no food or the one at the war


the kids are being killed and bombing and then uh they don't go to school, it's like come on what is this, I mean it's like please lah someone do something about it lah, injustice a lot lah a lot of injustice in the world that I think can do something about it but people are not doing anything about it you see you cannot at I mean like what can normal people like us do we can make small contribution yes correct small ways or or things like that but you know to have a real change a real impact


of course reality speaking you need to have money, you need to have, people that have uh more power to actually enforce, ya talking about injustice will not end lah


those rich country lah rich country right


ya they're not doing anything and yet they have the capabilities they have the resources they have the power to at least do something you know but instead they just watch, I mean if I'm a billionaire, I would do something because I have the capability I okay lah maybe they say !aiya! you say like that of course lah but no I know if I am I have the capabilities I I'm able to do it I will do it


where are these man where are these people all they just


what about another country how will they see me will they will they uh support me, you know ya politics lah so basically it all boils down to politics, people that are powerful


ya but we we are lucky that we are in singapore lah, ya truth to be told especially uh for woman ah for girls, can you imagine girls being raped woman being raped, that one another one I cannot I cannot take it, really really is really it is just last night I was talking to my husband about I cannot watch any scene or movie whereby uh woman are being raped or being taken advantage of I cannot I I just feels


ya I just feel so angry and I'm just so pissed off then I'm like I I want to do something but you know you have that surge of anger coming out of out of you but you have no avenue to let out the anger you know you you just want to like scream like what what is happening


please lah ya injustice a lot lah in the world I feel but it just that we are lucky in a sense that we are we are in singapore lah I would say for my children ah sometime I look at my kid ah and then I'm like, uh you , I I'm glad and I'm I I feel very very bless that we are here lah at least for the sake of our children because I don't think I can go through seeing my kids suffering like how those kids are suffering lah


ya to be here in singapore right I tell you, although singapore I won't say it's a really good country to be I mean like


positive experience, okay uh


activity hobby ha ha, okay I really have to really focus on this because of course there's a lot of things that I like to do as a child


actually I'm childhood deprived lah, okay , ya so basically when I I really can't remember much as a child how my childhood was like because all I ever remember was is school


home maid, my mother's my parents shop that's all, so I guess my happiness as a child was uh, being there with my parents, being with them playing at the shop lah hobby wise


when you are young everything also you like mah, so ya everything you do also you happy, ya so


ya but uh I do remember uh that I like to, go to uh water park uh


this this you know last time we have fantasy island right yeah is it is such a shame that it closed down I tell you is, is is just amazing lah that place ya uh it is nothing compared I I feel is nothing, comparable it cannot be compared to wild wild wet cannot be compared to adventure cove ya so so so I guess ya when I was younger I love water


I love the sea so anything with water anything with, sea I, it just makes me very peaceful lah, ya so that's for myself


uh going back


ya lah ya lah cycling lah ice skating lah ya, so nothing really specific also I guess because maybe because we we


our parents are are busy with work so they they don't focus all us on one activity therefore the interest is not develop there but I would say overall as a child, think I I'm I think I'm loved deprived but I'm not uh deprived in terms of shelter food and stuff like that lah ya so the best part of my childhood would be


now that I now that I'm an adult I think the best part of childhood was cool, ya ever since ya I I've been thinking about school how's school have uh how was uh how fun was it I wish I could go back to school so I guess it's true and this, say that you're gonna miss school when you leave school


I I do miss school now actually uh carefree


quickly finish and get out , but is one of the best part of our life is school


dalmatian , ya, so ya even when now ah I go to my children's school


just recently we went to the election to do the polling right I went to a secondary school, oh gosh you know I mean that that that feeling you know that that nostalgia feeling ah the school canteen ah is just so great you know I'm like what


how I wish I could go back to school again ya so, yes with our friend, so


ya ya ya more chilli please , ya so ya what's, the best thing that I've done for myself in this years I would say I actually finish off my studies uh


I I mean learning is a journey it never ends and knowledge is, endless so I've actually made a pact to myself that I must finish my honours degree before I was thirty and the best thing I did for myself was keep to my word to myself


which is a big accomplishment for me because I do it while studying and juggling four kids lah so I guess that's the best thing I'm done for myself that means uh I I, I honour myself lah in a sense I dignified myself ya so that's the best thing that I do for myself correct ya so because ya I grew up in the family that has a lot of competition