oh you want to how about you how about I ask you then then you said okay, okay so you see ah !wah! so many, okay may I ask you


drawing uh you want to draw, uh you want to play game, alright, I okay shuffle shuffle ah, ya you draw ah okay


right you draw ah, oh wait sorry sorry I draw I draw then I then I ask you is it like that, okay what's the most busybody thing you ever done, ya


oh you know ah, okay talk about busy body right, you know yesterday I just went to a shop ah, around midnight [orh] cause, there's no other, toilets there's there's no other clean toilets nearby except the shop right


so ah I go inside I ask the ask the shop staff right, then she she was like she doesn't let me to use the toilet, then I was like uh let me use but then she was like giving excuse she say , there are people in the toilet then I was like okay no problem I can wait no problem let me wait okay then she like she's like no choice already she has no other excuses to


to shoot me with right then then I I thought I I thought I can get I can borrow the toilet successfully right, the at hand out of nowhere this <EX2>fuck</EX2> sorry out of nowhere this guy right, he came out of nowhere he says uh sorry the toilet we cannot why why why can't you use the toilet nearby because I I I told I told him


uh uncle this toilet uh that toilet is very is dirty and that toilet is there are people there, then I just use the toilet cause the the there the toilet coffee shop toilet is very dirty right so I use the shop toilet then the the uncle is like, uh, really meh really meh really meh like he cannot he just listen to reason you know


no he's not security guard he he's just sitting there, he sitting there I think he's waiting for his, for his, I think I think he's waiting for for his turn to to get the drink, ya is like a


ya is like very busy body, ya he said, ya he then he's like, is like uh boy you cannot use the toilet here, then I was like !huh! why I said I will wait for the toilet here I will wait for people to use finish then I go inside what I don't know why he's like cannot listen to reason leh this kind of old uncle you know


ya this kind of like, I don't know he I think he's in his late fifties then old uncle ah no reason one you know the the mind a lot of, the mind like mental mental damage on you know, ya then you cannot talk reason with this uncle one you know, then he also want to busy body he say you cannot use toilet but the staff the staff said okay no problem you can use but you must wait [loh]


if the staff uh say uh uh although although attitude attitude a bit bad but is I I feel I still feel I still okay lah I can't wait lah the uncle come and barge in is it uh no boy you cannot use the toilet here, ya then you know what happen then I was with my another friend right then I was like then is like !aiya! forget it we just leave the shop ah then ya then you know what happen


then is like, then is like I told then is like I tell the the my friend I I know I say in Chinese I say, what's his problem it doesn't concern him, then I think he heard that then he is like stare at me the whole time we were then is like we were walking to


walking away from a shop then he was staring at us the whole time while we were walking away, yea this is the this is a busybody uncle lah late fifties uncle crazy one, this is about crazy late fifties, yea is like come on lah people just want to use the toilet I okay I don't want to harm I don't want to harm you you don't want to harm me we just we just passerby to each other


yea, what's his problem, I don't know I think he just he just I don't know for out of


I guess know this kind of people ah is like he doesn't want people to like, to, I think he's very selfish this kind of uncle he just doesn't like people to to get things for themselves ah, yea he just want people to suffer lah this kind of crazy perverted mind


yeah, so this is the, uh most recent case of a busybody, and you cannot reason with this kind of people you know, yea, yea his like


oh-my-god man and this this guy is like, I mean not not his business you just want to use the toilet If I were him I will be like I don't care lah this guy can just do whatever he wants ah, as long he keep it clean right, yea don't know what is with I don't know, you see ah if you were if you were that guy you wouldn't


then you you you you heard the conversation between me and the staff then you will be like okay lah maybe this guy maybe urgent or what let me use right normal people normal people will be like that right, instead he come and say he he say he stand up and say uh you cannot use the toilet why why why why like give a lot of ton of stupid questions to me


yeah, yea so is like this, yea he's a he's just uh patronising the shop also what


crazy one this kind of uncle really cannot be reasoned with one, serious man I mean have you have you encounter this kind of crazy old cranky uncle


cranky, cranky then the the head ah you know like there's this metal block there blocking reason inside prevent news from reaching there one, yea like like this


yea this kind of crazy uncle you know the block the head lah there's this like rusty rusty head one like ah why why why why why why why, Kanna so sorry I mean like


!wah! really sia want me to swear man, ya, okay but we we get another, okay, what's the, one thing about Singapore that should be preserve for the next generation


oh


oh ya, as in uh actually I'm quite curious how you think eh, how you think ya, quite curious about that


oh, (uh huh)


oh, oh


(hmm)


eh sorry to interrupt ah, do do you do you think I am like I'm bald I have have bald I'm balding here, no or or is there is just normal, normal here is normal right, not not balding right, oh not balding right


so I'm still as handsome as ever as last time right, no no no I mean like no no no sexual stuff bro, uh, admirer, that's why I I was thinking uh it's okay right


oh-my-god okay okay, I must preserve my looks, yes, yes even age even when I reach fifty years old I still like that


procedures, I will I will always be youthful, always be twenty three, youthful ah, oh, youthful ah is like uh actually in Singapore it's very hard leh


because Singapore ah ya yes, sunblock I don't even use sunblock leh, yeah, uh, I think yes ah I'm not sure because ah I think hor the sunlight better not to take so much


ya because, uh we we can ah have minimum minimum exposure lah, yes very strong, yes, morning is still okay I guess the sun is still very uh friendly yes


oh, monsoon


uh, eh Palm agreed eh, she say I can go one PM later so later when we finish right then eh later you treat me the Saizeriya lah


treat me Saizeriya okay, I want the, because you understand right bro you understand my financial situation right, ya, forty eight K bro


how is it not it's still okay lah actually, it's the <EX2>fucking</EX2> oh sorry sorry I mean it's the student loan, yes, oh you go you go and think twelve times four oh-my-god plus interest oh-my-god


I don't know ah they compound I guess, not sure also lah


ya so just treat me a Saizeriya meal lah okay eh later you say you want to eat that one which one the dessert one, oh, ya leh eh my financial situation very bad leh


!aiyah!, eh bro but here any any nearby Saizeriya here, oh there is ah


Orchard oh oh uh ya because we are going to met brief there right, is there a Orchard Saizeriya, is there a not ah let me eh inside the Centerpoint there have right, not really ah eh, oh really ah eh


eh is there a nearby here eh Saizeriya at Orchard, I meet like the Orchard lah because we are going there what, yeah yeah yeah, don't know whether is there is there one nearby one not, I think there is right


eh Orchard-Gateway Orchard-Gateway yes yes that time we went right


oh they have another one right, oh, but but by the way where is it, where's the, oh, I think we can check now right, ya let's okay lah let's check now but maybe


oh oh hawker ah, hawker culture got bad and got bad and good because you see ah Singapore ah, is getting very hot I don't for what is it because of the crowd of is it because of humidity then because of the crowd


oh no lah no lah I mean, oh, ya I mean like you see ah the hawker right, because Singapore population [orh] is increasing right


then ah the lunch break right people going for lunch break right then everybody congregate in one area eh, then the hawker as you know right there's no air con there right, so ah, it's getting very very like very humid very hot lah so I guess this is a one of the bad thing about hawker lah


but at the same time the price is cheap also lah, so at the same time also like this this authentic uh culture also good because it, it speaks of this authenticity that that came from the nineteen sixties no like from the earlier generations I don't know starts from when maybe from nineteen sixties onwards I'm not sure


so maybe is this the authenticness [orh] you can keep it but maybe you can add air con to it lah so there is this indoor air con hawker, price increase ah


, actually if like, if the government government can subsidize this kind of, air con hawker then it's good because you see Singapore is getting very hot, ya, yes actually we like this kind of like hawker then air con then cheap food right


sure be very popular one the cost ah, I mean the profit will sure outweigh the cost one, because you see oh okay air con then budget food everybody will flock there one, ya


yeah, oh eh bro so have you checked the location


oh the Somerset that one ah that one we went before right, I think we went Somerset better lah hor, then we have more time to walk travel to Orchard eh do you know the the venue of the the orchard ah the the


Tanglin hotel is it I don't know what hotel, oh what hotel is it like, don't know what hotel leh, oh eh you know recently there is this Mandarin-Hotel incident ah


ya, oh the Spize ah, oh, recently a lot of this kind of incident you know


yeah, oh


oh you mean, oh but you know they they got !wah! consequences is very bad you see reputation ah !wah! bad already people will be like, maybe hesitate to do any what wedding or dinner or whatever they will be hesitating cause


actually actually hor you see, when it comes to their health ah their life ah they are very scared one, this kind of thing ah, is do is it doesn't concern their health


or food right because Singaporeans are very, Singaporeans actually are very concerning about food, so this type of incident is hard to erase from your memories, because you see right, we will be you know we our survival instinct will come first right right, uh okay here so there is a food poisoning here so I will be like


If I were me I will I will hesitate, yes because I will remember one because, I still hygiene uh food hygiene is very important to me I mean, not even me [bah], uh I will still hesitate because, there is this history already


like , how to say because you see , I think Singaporeans hor, other thing can forget but, their life they cannot for, things that concern their life ah they will remember, it's like


I mean like uh you see ah, because, uh, there is no large public awareness, sometime because nobody, I mean nobody uh publicize that when they go Malaysia and eat they got food poisoning it's not publicized


then this car is a national, national awareness already, so it's like, , yes, confirm because you see , it is a large hotel also, company


individuals, yes, is it ya is it company want to plan event there they will hesitate oh what if my staff Kena poisoning I have to fork out insurance, then company will shift, the place for that event to another hotel


because they will be thinking uh this is not good because, , fork out insurance for my uh for my whatever ah cannot cannot, then the wedding also they will be better safe than sorry because it is auspicious day they don't want this kind of unlucky day, whatever unlucky incident that happen they will be thinking eh


ya ya ya it's not Pantang, ya eh may you see maybe ha maybe people will forget lah but, this kind of thing I think it's hard, yes


this what this what I am saying ah ya, ya that's why, eh so later, I don't know what to eat later eh eh you got any recommendation, I mean Saizeriya


!wow!, !wow! member man, should I order that one, or steak you want you want treat me ah, serious eh, serious ah okay lah I eat steak ya ya ya


oh cook ah, oh I want I want it to be hor, to, to be cook enough oh yea yea that's why I know what you mean I want it to be cook enough hor so all bacteria can be killed right, and then it will be still tender one you know you know you know any, seventy percent okay ah


no it's yea, yes yes, yea because now a lot of instance of food poisoning I don't know why, !wah! yea yea yea, oh and I never hear


a'ah, oh really ah


right, my goodness


ah yea, I guess so eh, how about you see ah how about hor, oh you see because , because right, uh


so tomorrow we are going for auction right, , oh do you still like remember how to do one, oh you will be bidding right, oh, the first time bidding ah will you be nervous


oh, eh there's people knocking on the door should I should we should we like, should we answer the door, can we can you like, it's just I heard some knocking sound you know


should we like just go and uh I go and I open the door okay never mind it's okay, because, also later !wah! I eh do you feel hungry now, a bit hungry eh because we have been talking for forty minutes


yea you still have one hour eh bro you still have one eh you still have one one hour ten twelve minutes, oh what's that Bee-Hoon, oh eat fried rice lah, I see I see


cool man nice, you see you see do you hear some knocking sound, I don't know is there a knocking sound leh, eh can we open I want to open the door lah is the wire long enough, okay never mind never mind I help you I help you okay you you just take out first


take out first no problem no problem, I I I will be I'll be talking I'll be talking out okay, I'll be talking out be talking out, okay so what's the one thing that Singapore, should that should be preserved for the next generation, okay I think


I think Singapore should preserve a lot of things ah, Singapore should preserve the, the Kampung Spirit actually yes, uh Kampung spirit but actually you see ah bro have you notice the trend


Singapore is getting uh society we've been getting more selfish, yes, yes


is very ungracious attitude


Kampung Spirit ah I think is very hard because you see, our society is like, money money money money mah, right, moral society one


moral values actually I think is very hard eh, because you see our younger generation they grow up, among this materialistic pursuit of what Instagram what people go what vacation what handbag shoes cars


right, every Singapore compare every little small thing eh


ya eh then you see ah, you see ah the then you see the our younger generation right most like most of people have students loans also, thing is even before they start they start earning they had they in debt already so this kind of mindset will make them feel paranoid you see


, ya this mindset ah then is like uh I don't really care about any other people because I only care about myself


but this kind of mindset, so this society has make it ah like every like strip people of their their ability to help themselves first what


yes because we are burden with debt ah the moment we, go into uni all these inevitable eh, poly also


ya, everybody is in debt ah I don't know why, ya is like is like I think Singaporean ah a lot of people are in debt ah then making them very selfish eh, I don't know lah I guess so lah, it's because because it's helpless in the first place so they they have to be selfish


yes it is so this society is very bad they have like they I think ah you see bro, you see this society ah must structure must be structured in a way that no man will be left behind so I we think we have this like you know is Britain right, they've this national what ah healthcare whatever one


yes I think is I I think is free for all whatever not sure, but I still feel I still feel like because ah this is a social good what


I I it's like how to say ah it's like, like it will make people feel like assured you know feel cared for in a country, and then Singapore must have I mean have, social support net, Singapore lack of this kind of thing


ya Singapore is like you you die your business, CareShield yes yes


ElderShield, I'm not sure also


I was thinking right, Singapore, is like is very very good lah but it's like the lack of a support network lot lack of a social support, network, yes


yes there's no social care very little, yes, ya especially you see males right I don't know lah but, I feel like males ah, a bit like uh not really cared for in this society


ya I mean we are not talking about politics here we are talking about, yes culture culture yes, man ya this kind of this kind of thinking ah must be changed must be changed you see


ya is it cultural problem because I was thinking, male this society have to like we are expected lah, to protect our country uh to whatever to feed for family, yeah, yes


you have to be strong you have to be tough, yeah, what I don't, ya it's time to change you see


yes it's time to change female should pick up the burden also, yes female should receive them eh I don't think there's you see, traditionally right there's this guy who is a bread winner and the women who's the one who is taking the family


interchangeably I think it's also same, yes I I find that, why not female also can can give the husband money and the husband take care of family there's nothing wrong


because I I really cannot agree with the idea that, men should be the bread winner because you see nowadays we're not having a lot of earning financial and social power and all this, I don't see anything wrong with the female earning more than male and giving the male some money to support the family


why should guys be penalized, why should men be penalized because men has been doing this for decades centuries


I mean this is like, I mean like this society has become a very egalitarian society, ya equally society so I don't think I don't think like


but it's a great leap forward what last time doesn't have such things right


eh okay we see bro you see ah, since, you see in dating dating, actually right, women can pursue guys actually, guys


are expected to pursue right, but the fact that people can pursue guys but I don't see it happening, maybe yes but I mean like you see this is this is such a contradictory thing, is like


can't expect to pursuit girl right, girl are not suppose to pursuit guy, right, so where's the equality here, is it is it hypocritical


ya, so I was thinking this, ya I was thinking this equality is really really really hard to achieve although in theory sounds good lah, P I mean ya


peace I don't think it's workable seriously, I just think it's fake I mean not fake lah how to say it's not realistic lah, but you see ah you want in in the bid to make things equal right you take away power


from the person from the from the person who is like at a slight advantage then you give the power to the, the one with the not that the disadvantage so is like transfer of power, ya I don't think I don't want either


it's like you shift the power to the weaker one but in the end you, you disenfranchise the stronger one, I mean it sounds good in theory lah equalist whatever lah


but but you see the truth is like, there's a lot there's a lot in equality one, but bro we're we're not talking about politics here okay, we just talking about current affairs


okay politics out out out okay, so we're not we cannot talk about what politic religion, sexual and another one, violence okay there's no eh I forget I only I only know we cannot talk about politic cannot talk about religion cannot talk about sexual


cannot even use but ya you wanna play card or not, eh so eh, one more hour


the best thing to born rich [orh], or born to rich parent, !wah!, life are sad, best thing to happen to me ah


get a job that pays well ah !wah!, then I don't worry don't have to worry about food and money already, entrepreneur uh that one ah hard ah you must have determination and all the all those things ah, uh oh best thing happen to me ah


is that I'm born handsome, , yea, getting very getting like into debt, dig debt


eh but do you think you want to find girlfriend now or not, , eh but actually you you see ah, you look like you're in your thirties already leh, like people will perceive !wah! thirties


me I'm, for me I'm just twenty something, is like right I don't know leh, but you see ah, I think ah


do you think, I know what recently there's this, movement in Japan right, called the what herbivore guys ah, have you heard before, I don't know what happen to those guy eh they are like, introverts sleeping in their room playing computer games don't know do what at home but don't want to go out


but is this not political right, what is this about, yeah is like no like you know the current world affairs is not about politics, is it


yeah yeah yeah yeah, so is like, yea so I was like I was thinking about, yea don't know what happen to those guys ah


, so do you do you do you do you still want to find do you still get married later or what, chances ah eh but you see ah if we gone if you gonna give birth to a kid right I I urge you not to eh


like because you want him to suffer you also suffer as what you have been through or not, yea you see suffer the, you see ah the the misery like the school system then like uh, uh then when you grow up need to worry about money job all this


debts, yes, you have to worry about such things so do you want to born him into a this such world, yea I also feel so because


kids ah it's all I don't want because because I like them so I don't want to give birth to them, you get what I mean, yea, yea


yes it's like oh I know I mean is like when a kid is very young people will shower him with love care and affection right then as he grows ah nobody will give a nobody cares about him anymore right


then you are and he has well to fend on his own, !huh! haven't get a job yet ah !huh! haven't study ah study ah study get job it's not be a cleaner ah you know, this kind of mentality, ya it's like I don't want him as in I don't want I don't want a future position kids suffer what I suffer through eh


at this Singapore I think so it's not very like, I don't know how to say ah but I mean, a child will be better off a child better off in when he's born in somewhere else


I guess I guess ya lah because on, another country ah


I think the pace of life is slower in our country Singapore has a one of the highest pace of life don't know what happen to Singapore actually, used to be still okay


yeah, what has happened, okay


escape the crowd, the best place, the best place to go, actually it's like you know the Sengkang area there


yes, yeah, escape the crowds ah !wah!, actually do you want to escape to the crowd also


yeah it's them


where do you like to escape to


oh plantation there ah, no I was thinking about whether do I have a about patch here


is it a is it, do you all have like, oh bro I was thinking here you know, I don't know whether is it is it bald or not


no right it's okay you sure, but it's I mean this is like, is nor I mean is normal right, over uh I feel like here very empty I don't know why


I think is okay right, okay okay, I need to preserve my, my hair also, how to preserve, recently I grow fatter


oh you are right, yea I like to, oh yea so we will be going there one PM you know


oh no I also I just want to tell you, how to say [orh], you know right, today right, is a Sunday right, so ah, somebody invited me to go somewhere


uh is like , is like new creation lah but never mind lah this is religion you can't talk about that, ya so about this Mercedes, or what do you always always stinge or splurge


oh usually you very money pinking right, oh eh what is this


oh you finding the food ah, oh, oh


you now what's the most expensive thing I ever spend on or not, oh what's that, oh, yes


!wow!, eh ask you a question ah, uh, uh do you intend to buy a car


blue ah, oh then oh share, oh carpool


oh, so you do do do not plan on buying a car in the future right, oh


!wow!, !wow!, ya and also right, yes also right you see ah a minor bump a scratch ah could cost easily thousands dollars already, ya


ya and also ah insurance all those also, !wow!, but they but that means that means uh right that means you don't you don't intend to own lah


oh, but but do you intend to get a license [orh], I mean, wait I thought we and you're together one


next year right, is to forget already, !walao!, do you forget, oh, so next time we plan to do uh to get the what, blue SG car right


eh by the way ah, the how much is the rate for the two SG, two car, nine per minute eh, so expensive


eh I mean like you see ah, eh I think there is membership scheme


twelve per eh fifteen per month right, ya I I was just think that I can try for once too


yeah, , I'm not sure though I think I thinks


I guess uh eh but I think the membership right, minimum length is one year eh, because it says right fifteen dollars for one month for one year, yes


!huh! who


is this at a hawker, market, oh I think that this market right is


slowly losing it's appeal among younger generations, I mean what what what I get from this article, because some you say something like what drop sharply right


ah, oh red tape ah


yea I agree also, actually you see this this wet market concept right


actually is, cause from I think okay I think the younger generation will be thinking like !wah! so smelly !wah! is like when they go there this smell right although this, this thing of a wet market but this smell is really putting a lot of younger generation I guess


because you see, because we like clean we like like air con, yes and also very dirty also very sometimes it just gives us the impression that it is very dirty I don't know why


I think it will be more popular lah yes, you see or even now right, nobody really goes to wet market anymore I mean except for those like older generation aunties you know uncles maybe


they still cannot let go yes they cannot let go, yea because it's so prevalent there


oh ya eh want to ask you a question, how do you spend the forty minutes


oh, suggestion ah not really sure eh I think,


oh oh online, mission for what, you mean the nutrient for what E-commerce, E-commerce is getting very big eh


these people are good online, E-commerce market ah, do you use E-commerce is like


people who use internet will use E-commerce what,


like you just see uh I mean like who is the like I mean whether, whether like, whether is successful on this marketing, like whether the young generation would know, uh what like when they want to buy something the first thing you think of what is that that is online business where is the online business what is the online website


like for me I will think of Q-ten, the the the first thing appears in my mind is Q-ten so I think they are very good in this marketing, ya face also face-dot-com


edge maybe they can sell niche product [orh], , then since they are small right they can provide loyalty program so, yeah


yes because they have to be to have some niche lah, people will think of like when people buy certain stuff or thing oh that that is a specialization there, yeah, but


actually you see bro I want to ask a question you see ah, you get a degree right, then you go into debt right, then you go to work to pay off the debt isn't that very weird


I'm against the the exorbitant cost of degree


I guess yes Singapore should at least subsidise right, most of the portion of the tuition fees is, is still not enough


, still not enough man, I mean, you see is as in most Singaporeans want to go at degree right cause not everybody can get scholarships what, it's like scholarship determines that there's only a minority can get so the majority didn't get it


and the majority I guess will have to fork have to get some those in in one way or another yes, yes but but those cannot those are still not enough, the bulk is still, most maybe to us I mean contributing from loans maybe


because very funny right I mean, you go to school to get a degree then for what it's for a good income opportunity good job right, worth it or not, that's a question


really


so it's like you see ah you get a degree right, then out of the graduated then you can only get part time job, and people will will still, still think that you have no experience come on we need to work first to get experience what


ya, is like is very funny you see oh so you got friends who graduated, and they cannot find a good job


oh we don't we don't even talk about good, we can't even find a full time job, after all the student loans


all the tuition fees, after the years the money poured, the money the time, and employer just says oh you can't get


so I think this system is very broken though, I don't know lah but is like I don't think the debt is worth it seriously, you see you see bro you see you see, you see ah if you take a twenty K loan for instance right


then, is like, what has to calculate hor, uh okay lets just say uh if one ah were to plan plan to pay off by three years, right, then is like, he or she


have to spread this twenty K into three years right, so is like maybe one year pay around like seven K, right, but is still still has to factor in, all the, you have to save you have to eat transport maybe sometime go for holiday travel and enjoy right


so, uh is like you have to calculate like if you want to pay off in three years, then, everything I mean like for instance right the debt cannot exceed, cannot exceed like maybe,


fifty percent of your annual income or what lah,


, I mean one has to project [loh] one has to think okay my minimum salary should be this this this then I can pay this in certain years, have to, it's like how to say is like for example I intend to pay off by two years then for one month If I tend to fork out uh maybe


five hundred, but five hundred can only constitute, twenty percent of my total salary because I need, my other salary for other purpose yes so you, yes so so you have to think, okay so if if five hundred twenty percent hundred percent is eh


the two thousand so it's like can you get a full time job with two thousand a not, but you see mine right in my case right, five hundred per month is not realistic


, to pay off in a certain short years, yes, so for me right I was thinking, can I get that kind of income a not


yea even before all of all of the before signing your loans you have to do all of these beforehand, !wow! so hard, yea is because is if we don't to plan ahead right we will we will just fail we will just


fall fall into a lot of a lot of a lot of uh weird thing you know yea, yea


I mean the frog in a, I know what you mean yea I mean like is like is like frog is in a boiling water like that, I know not boiling is like the the the the water is gradually heating up, but the frog is still a happily uh


happily wait until ah the the the water start really boil then it just died, yea, so by the time I graduate right then If I cannot get a job right !wah! I don't know how I do man, yea then the textbook doesn't teach me those thing what


yeah, right, the lectures the modules teach me things that are way too advance ah but not focus on now on the what's really important yeah yeah, teach me those complex things ah to distract me sia


YouTube ah, yeah


I don't know I guess [orh] you see you see bro there's a lot of graduate right, but more but you see people are really not good with their finances one, ah that one that one you don't need to say lah


yeah, yea because [orh] you see ah we are born in this kind of normal family right, then we are not equipped ah, with the uh what ah, with the right knowledge ah


the right way to do things ah you see, right, , !wow!, you boxing of it, !huh!


!wah! what is this, you know what is this, what is this, oh it's a tea, what is this, oh, what is this


oh, I see I see !wow!, life's good, hold on, maybe maybe yes maybe, !wow!, okay, by the way uh


continue continue


I think it is but is not widely recognised, still not widely recognised , but you see bro, , possible, online learning


online is


actually you see ah, you see there are a lot of, TU SMU, he graduate ah, with that, and they have to pay off you know some people can pay off during three years some people keep drag of ten over years


they have to pay minimum payment, then sometimes ah okay unforseen circumstances the get unemployed right, then, income pay to different you know and interest keep, so the that's why they he keep delay


but you see ah, you see in in you know in America right a lot of people ah, they get what, hundreds of k of students loan, fifty forty, sixty K of student loan, they in debt ah, up to their eyeball ah this is like, then ah they always I mean you go and see the YouTube a lot of !wah! student loan debt crisis


go YouTube go YouTube I give you one video you go and watch, go YouTube dot com right then oh yeah you can search this uh, nine hundred, every month in student loan


in student loan you go and watch ah, this lady right she pay hor nine hundred dollar every month in student loan, and you know what the thing about it is, this nine hundred ah, only a very small portion goes to the principal that means the interest is very large


I don't know how is she's going to, maybe you can watch man, I mean like I don't know how she's going to like fend for, hundred and eighteen thousand in student loan


do you know she paid nine hundred and it barely goes to, cannot even see cannot even do any damage, ya I know what you mean right yes ya


I know what you mean like, yes use the use the pebble, what use the frog egg to crush the stone


and bro and listen ah she went to this prestigious university in US called Tufts University eh, you know what she study, drama, ya student loan drama student loan


drama is, she live like very like very very


I don't know how she's gonna keep paying for for how long


you have already paid forty eight thousand in interest, that's crazy


and okay bro you know in US right, you want to take a, student loan for dental right, dental uh medicine you know like dentist right, !wah! the the zone is !wah! crazy crazy high


it's like you know how high or not, two hundred k eh, I think that's crazy man are you going to spend all that to be a dentist I don't know, I'm not sure but you have that means ah you sign away your life eh to being a dentist for life


really really, it's a loie sentence, life sentence serious serious, I don't know I don't know !wah!, because they don't really think the don't really think ahead


I mean, yes and also you see, yes and also you see bro, , you see ah all you see out of them right a lot of dentists a lot of lawyers doctors ah


they may not be rich


because you see bro, you know doctors right they everybody think they are rich right actually they are not, they are not really rich because they have student loans, then, there's still you get but maybe get car or what get maybe get married


get kids what they are not rich


eh a profession eh, If I want, can get, with minimum student loan, and then, there's a,


they don't sell time for money, they use money to work for them but I don't know how to say I mean like, people who get passive income [loh], those are really rich one


yes you need the property in the first place and or people who too high volume commission, cause is it that means their income is not is not based on time alone eh, is not based on effort also


cause doctors what, I don't know how to say ah but, doctors ah this this job ah is, I don't I think maybe there's a high turnover rate right I'm not sure, is there


not really that


that's true, they got more we got less hell in their culture, yea because, because their culture right, the, ya because of their culture then their parents don't really


no access to be sources also, then you never see all the rich kid ah they got a tuition, also their parents are educated then their parents know know the system very well, know how to guide them every lot every inch of the way


whereby whereby bro whereby the, the the the children who are uh like poor right not but not as well off, their parents may may always be at work because they need money their salary always work work work no time care for the children, then the children always uh the environment outside outside influence outside influence also


also make it make it very hard for him because he cannot really focus because there's no, no no no people to guide no mentor then the the people around him also happen to be the same economic level, so there's you know they just like they they go they go and like they don't really care about academic they don't really care about whatever stuff you know they just like


trying to live that as it comes lah cause I was there also I understand, so is like so is like uh they no no access to resource no access to good to good influence so no assess to, really quality learning so that's why that that that's the that's the


they got they got discounted head start from the very early


, eh I ask you a question ah five hundred times twelve is how much, oh really ah, five hundred times twelve six thousand


so that means in one year I can pay off six thousand eh, If I were to pay five hundred per month, if hers yes


so !wah! so that means !wah!, eh then help me, forty divide by six, forty eight, thousand divide by


eight years ah, eight years to pay off ah, crazy oh-my-god, !wah! that means If I were to pay five hundred, for one month, I understand that


I'm just, I'm just like trying to get a rough thing only, difference is offer for one month is how much, minimum eight years ah, to pay off, got


eights years ah, that's crazily, crazily expensive one you see you, can you can you see the impact of, of this loan, right can you see the impact or not, okay how about what wait lets up lets up okay uh eight hundred times twelve is how much


ah then forty eight K divide by nine point six


five years lah, plus lah five years plus lah, oh-my-god eh that means, four years lor


increase in one year ah, !wow! one thousand per month eh that's not a that's not a small figure, one hour per month right, yes


that's crazy man, four years my god, oh tough it up for a few years first lah


, that's crazy man eh do you


!wow! eight long years my god, oh you see this is this is the this is what debt brings you see


ya, !wow!, !wow!, forty eight thousand


that's a lot of money, oh I don't I mean like after hearing all of these right, but you see one one thousand per month is not small figure eh


ya but but you see the money come in right every month will be like will tempted will be tempted to like spend on other thing right, how do you manage to like uh this one thousands cannot cannot touch cannot touch


oh like automatically deduct right, but what if Kena retrench I mean Kena unemployed like like I mean, boss not you you don't click with the boss then click with the colleagues, then everyday you go and work


ya everyday you go and work is very miserable you see, right but then everytime you go and work right you don't really feel like working, because you see ah okay okay one can be very good in academics but very hard when handling relation they can they can they don't really care


they are not good, you see yes I mean like, uh because but most people who study very good right they don't really like to I mean they don't they don't know how to handle people eh I can see, got academics and handling people are two different


yeah, oh, you want to read your articles


maybe more about,


conclusion, here's the conclusion, , is like, don't have kids lah, don't let them suffer, don't you think so this guy has to work his way up


what if the parents are born, a better bit well off then he may not able to work so hard what, yea but I mean, has to work really hard because, his far uh life no lah I mean


yeah, I mean like you see ah okay is maybe it may be wrong to say this, but, I still think the parents must be, think must be have like some, savings, like uh stash away for this


should love each child for each child lah, for the education fees for whatever you know, I mean it's, I don't just breed rabbits you know, I mean I understand lah some people just want to have kids because of biological reasons lah


yeah, okay maybe I'm a bit, uh


a bit uh, how to say, like, very how to say ah cynical or whatever, but isn't it the truth like, this guy wouldn't have to work so hard if his, parents were like uh maybe a bit well off


I mean like, to be so you have so the conclusion is your parents ah, have to be prepared financially for their child, , that means like understanding


, calculate their, their child's expenses what calculate okay, until last until what twenty one years old I mean twenty one years old eh for guys is, we last until twenty five, yes


so at least ah if you if you have to give her to a guy understand, education uni ah poly ah saving I mean uh spending you see, right, do because you see ah you have if you want him to be


good in studies ah he cannot worry about financial stuff, during this period, if he worry right if he worry he will be thinking about how to get money, then he cannot really do well, yes


yes that's why parents have to be prepared all the fault I mean most of the fault is a on the parents hands, don't you think so maybe I'm wrong you can say me


right so it's all about, adequate planning, and not only, and not thinking about breeding like rabbits


the the hat, ah don't wear so big a hat right, don't wear so big a hat ah


oh, rudest


oh nineteen seventy one nineteen seventy one is when the gold standard was abolished


ah, I feel that the lawsuits are not necessary ah I'm not sure also, , ah ya


uh, oh-my-god, ya suddenly it's just a sudden


ya, it's very sudden like ya, ya we not aware


eh bro can you help me ah, this one oh, how to like, oh the bag ah, deviance, oh the rubber band, I thought the band is is for the karts, all for tie all this ah


oh okay okay, I see, okay so uh !wah! ten more minutes bro, ya, stories ah, I'm very sure though but I want to ask you a question lah


ask you ah you see ah, how do you define success, oh you not ask you how do you define failure


uh okay I want to ask you a question interrupting you ah you see, you see ah in life right, is not, sometime ah people don't even want to try you see people be like, people will be like, naysaying it will be like uh no this one is not good so I not better not venture so


so, if people don't even want to try right I mean, okay you also sometimes right you also don't don't dare to try something right so do you think in those instances you've failed


remember that time you want to you want to do some insurance thing, then you will be like no no no so scary so risky so you didn't even dare to try, do you fail in that instance do you feel, because because you know why a not


I was thinking [orh] actually we just try for once lah why not right but you just keep on persuading me not to then I just not you see, actually actually I would have I would have go ahead if you you if you wouldn't stop me you see


you didn't stop me, that's why, so do you fail that time I say yes, actually I can push one but you just say no, because I trusted my friend that's why


so moral of the story don't trust your friend too much, cause I mean you you could have gotten the how much I forget already, more debt ah


you go back to Han-Jie, Han-Jie no lah


out there yeah, no but we did fail one time because we don't even dare to try, we we we we were ruled by fear, you see don't even dare to try you see


yea don't even dare to try man, this is a very interesting thing because everybody has fears


so you have to keep on convincing yourself [loh], keep on convincing yourself keep on pushing yourself, despite all the humiliation just keep on moving


actually I dip ah you just, get just wipe it away, but you wipe it away man, but I mean okay, although although although you may you may said because I listen to my friend if you're outsider I won't care


is only is only friends or families who can really influence you


not but I tell you dude the the the whole family influence you is in a very deep way, no because you see your family holds the biggest weight if your mother tell you not to do something you will dare not to do right


ya, I feel like I've should not have listened to you


go to another one maybe, maybe I'm not sure lah but we just see how opportunity gives gives me, ah whatever I just I just go and see whether have or not, ya, because hor you talk until so nice hor


until got action you cannot do it one, ya I don't know why, but I mean I don't know maybe you're not the one who take action one, you're like oh you're the cautious kind like the dove kind cautious cautious is it


like cautious cautious oh can you do that or not cannot ah, Giam Gana, Kaypo what's


how do you okay I want to ask you, how do you define, how do you define a pretty girl, oh shit no, okay, how do you define


how do you define right, uh okay which age you think you're old, like you feel, like you feel really really old already like which age


bill always, why


so you so you feel that you see ah eh actually ah at the age of twenty five right, those primary I mean those primary school kid primary one right if you're, if you're those like, like kid that mature very early [orh] !wah! you can be their father already


you see when I seven years old you are eighteen then you give birth oh-my-goodness, ya so eh if you're lucky enough ah the primary school kid at primary one currently could be already your son, you see


!woah! that's crazy man, so I can be a father now oh-my-god, you see mind blown right, oh-my-goodness I can be a father now, right


so I can be a father now you see, can you be a father now yes right, that's crazy, !wow! that's crazy man, oh we when we reach thirty oh-my-goodness we can really really be a father


my goodness that's crazy, you got sixty seconds, you ask me question last time


did ask it, hawker what, acronym, oh favorite ah actually I no favorite acronym also I was thinking about mayabe LOL


maybe ROFL, maybe LMAO, maybe I'm not really sure, maybe, SGD USD


GLD what's that, uh eh I think, uh maybe SGD is my favorite yes acronym , because it talks, UOB no lah actually because it talks SGD talks