Speaker 1: You're listening to AC N A podcast.
Speaker 2: Hey, everyone. Andrea Heng, here. The Money Talks team is
Speaker 2: taking a short break well deserved if you ask me
Speaker 2: in December, but we will be back with new episodes
Speaker 2: in January 2025. Feel
Speaker 2: free to take a deep dive in the meantime, into
Speaker 2: our archives. If you want to learn more about how
Speaker 2: to save, how to invest and how to stretch your
Speaker 2: dollar for now though, we've put together some of our
Speaker 2: best performing episodes. Enjoy them and we'll see you next year.
Speaker 2: Hey, everyone. I'm Andrea Heng. Welcome to the Money Talks podcast.
Speaker 2: This is the part where we talk about all things, money,
Speaker 2: what to do with it, how to save it when
Speaker 2: and where to invest it and how to be responsible
Speaker 2: with it. But for the next couple of
Speaker 2: weeks, we're gonna shake things up a little bit and
Speaker 2: do something a little bit special on the Money Talks Podcast.
Speaker 2: And we want to do this by talking to a
Speaker 2: few people who know a thing or two about making money.
Speaker 2: And after they've made their money, what do they do
Speaker 2: with it? So, this week in the hot seat. We
Speaker 2: have Ismael Gaur.
Speaker 2: If you've ever been in the market to buy or
Speaker 2: sell your home, chances are you would have come across
Speaker 2: the name of his company Propnex. It's Singapore's largest listed
Speaker 2: real estate agency with a sales force of over 12,000 agents.
Speaker 2: And this doesn't include agents in the region including Malaysia,
Speaker 2: Vietnam and Cambodia. He is a father of three and
Speaker 2: a self proclaimed happy person.
Speaker 2: Welcome to Money Talks as well. Thank you so much
Speaker 2: for your kind words and such a long introduction. It's
Speaker 2: a long and necessary one to introduce the one and
Speaker 2: only so everyone knows who you are, right? You're no
Speaker 2: stranger to Singaporeans out there.
Speaker 2: Tell our listeners one thing that most people may not
Speaker 2: know about you. I think I'm an open book honestly. Andrea,
Speaker 2: I think people know me well. Yeah, I can get
Speaker 2: angry too. Of course. Yeah. What would make you angry?
Speaker 2: Things that don't move the way it should. I don't
Speaker 2: like people to delay. How often does that happen? No more?
Speaker 2: I now so much more older,
Speaker 2: a wiser, more wisdom. So I don't, that's a good approach,
Speaker 2: knowing that's who you are and then learning how to
Speaker 2: cope with it. That's the beauty of aging. I see.
Speaker 2: So you have before in the past talked about the
Speaker 2: tough childhood you had, right? You grew up in a
Speaker 2: one room H DB flat with five siblings. You help
Speaker 2: your dad deliver newspapers. Was there one particular incident that
Speaker 2: stood out to you in your childhood that shaped your
Speaker 2: attitude towards money?
Speaker 2: Yeah, for sure. Andrea, did I pronounce it? Right. That's perfect.
Speaker 2: I really felt that my dad was working very hard
Speaker 2: and I also felt that my mom felt that was
Speaker 2: always never enough. Whether I won't say food on the table.
Speaker 2: We were quite luxurious as far as the basic necessities
Speaker 2: were concerned.
Speaker 2: But if you talk about a decent roof or having
Speaker 2: the luxuries, I think in our childhood, we have never
Speaker 2: had a family holiday at all until
Speaker 2: never as a family between my mom and dad. Other
Speaker 2: than yes, visiting his hometown back to India. It is
Speaker 2: out of more necessity that he wanted to turn back.
Speaker 2: Look at today. All of us, even my Children are
Speaker 2: so blessed that like holidays, not once a year, at
Speaker 2: least twice a year. But I know that when I
Speaker 2: was growing up, that life is tough. How did that
Speaker 2: make you value money?
Speaker 2: I think if I say something, people will be surprised.
Speaker 2: It took a long time for me. Long, long time
Speaker 2: that I have the desire to be able to spend
Speaker 2: a bit more freely. And now I can, I can, yeah,
Speaker 2: even less than
Speaker 2: 10 years ago when I was already the CEO of
Speaker 2: Propnex and the largest real estate company really blessed with
Speaker 2: a lot of things I used to go to a
Speaker 2: mcdonald at, to Payoh and stand there thinking what to
Speaker 2: order
Speaker 2: and evaluating my brain work in such a fast frequency,
Speaker 2: their value meal and all other meals. By the time
Speaker 2: I go to the counter, my heart doesn't approve of
Speaker 2: ordering a value meal. I'll just order a $2 cheeseburger
Speaker 2: and I will not order the drink. Sometimes of fries,
Speaker 2: sometimes not. I bring it up to my room and
Speaker 2: I enjoy it. It's just that I feel that it's
Speaker 2: not the right price. So it really is about what
Speaker 2: value means to you at the end of the day. Yeah,
Speaker 2: but that behavior surprisingly is only something that I want
Speaker 2: to treat myself. But when I want to spend on others,
Speaker 2: I'm very happy to see the delight in the faces
Speaker 2: of others. I used to be very generous with people
Speaker 2: around me, but not myself. But that change in the
Speaker 2: last eight years. What was that turning point that made
Speaker 2: you change your mind? No, I went for some courses
Speaker 2: and some deep reflection
Speaker 2: I deserve. I started to love myself more. And do
Speaker 2: you feel better about yourself and your life? And has
Speaker 2: that changed how you handle your generosity? Especially when it
Speaker 2: comes to money? 100%. I must say that. No, no.
Speaker 2: Even in the past as far as handling money and
Speaker 2: spending money, I've got, I never had an issue but
Speaker 2: spending on myself has always been an issue.
Speaker 2: And when I start to love myself and spend a
Speaker 2: bit more on myself that give me the radiance and
Speaker 2: the energy and very positive likes and comments and I
Speaker 2: feel more loved when you feel loved, you naturally tend
Speaker 2: to be more generous. Yeah. Yeah. And, and I think it's,
Speaker 2: and there's no better love than the love you have
Speaker 2: for yourself, isn't it? Yes. Exactly. Yeah. Sometimes even though
Speaker 2: we are talking about money, but I want to just
Speaker 2: go to something
Speaker 2: very fundamental just about before eight years ago or so
Speaker 2: I always say when people, I thought if I put
Speaker 2: a ranking out of three things, family, career, self, what
Speaker 2: would you rank family career?
Speaker 2: So that's exactly my ranking.
Speaker 2: I put my family first and then my career and
Speaker 2: then myself, that's what I ranked. And that's what I
Speaker 2: outwardly says. But then I realized after going through some
Speaker 2: enlightenment through courses that I attended maybe even though I
Speaker 2: said family. But my focus, my energy was actually my business,
Speaker 2: my career because I was too passionate about it.
Speaker 2: And because the truth is while I'm at work, I
Speaker 2: get greater validation boss. You are good. Yeah, we all
Speaker 2: of us want to feel left. So somehow doesn't mean
Speaker 2: I didn't get or receive the left from home, but
Speaker 2: I was very much focused at work. But I took
Speaker 2: a switch, my paradigm shifted
Speaker 2: when I put self first, family, second career, third. And
Speaker 2: when I said, self, not the selfish self of me,
Speaker 2: but the well being of me, the happiness of me,
Speaker 2: the goodness of me. And when I do that, I
Speaker 2: get more energy and I feel loved.
Speaker 2: And when I feel myself loved and with the right energy,
Speaker 2: when I go back home, I spread the love to
Speaker 2: my family. It's radiating and they are happy to see me.
Speaker 2: And because of that, they support me and that gives
Speaker 2: me all the energy I require
Speaker 2: back at work. So it's cyclical. It's a nice little
Speaker 2: ecosystem there. So when I put self lasts, what happened,
Speaker 2: I was much heavier in terms of weight because I
Speaker 2: was slogging, clocking hours in the office because I'm so
Speaker 2: focused with office. And because of that, I get tired,
Speaker 2: even when I go back home, you get a bit
Speaker 2: highly strong. Yeah, you get agitated and so on. And
Speaker 2: what happened to the family,
Speaker 2: the Children try to avoid you because I think daddy
Speaker 2: is not in the right mood. They have to predict
Speaker 2: the mood. But then I realized I was not doing
Speaker 2: it right. So when I change these things fall in
Speaker 2: place and the most interesting thing here is the money
Speaker 2: keeps flowing into you.
Speaker 2: So the money didn't change. In fact, it double because
Speaker 2: you are a happy person. And when you move around,
Speaker 2: people are happy to be with you. Not only family,
Speaker 2: your business associates, your partner's relationship with anyone because you
Speaker 2: are doing the right thing and you are coming in
Speaker 2: from your heart and because of such an ease, everybody
Speaker 2: work more effectively and money grew.
Speaker 2: That's fantastic. Although I have to ask Ismael, that's not
Speaker 2: to discount the hard work that you did put in
Speaker 2: the earlier years of building your business. Right? I think
Speaker 2: beyond doubt. I suppose everyone works hard that's given. Yeah,
Speaker 2: I think if you ask me some definite ingredient for success,
Speaker 2: I would say
Speaker 2: is discipline and the right values obviously because I don't
Speaker 2: think there's a shortcut. Anyone who is disciplined and work
Speaker 2: on it and it's just a matter of time. Yeah. Ok.
Speaker 2: So I want to take you back to the time
Speaker 2: when you
Speaker 2: received your first ever check. Can you recall how much
Speaker 2: was that check was, what was going through your mind
Speaker 2: when you were holding that check in your hand? That
Speaker 2: was when I sold my property
Speaker 2: and when the law firm called me on the completion
Speaker 2: and handed over the check under the name of my
Speaker 2: wife and myself. And for sure, even on those days,
Speaker 2: I'm talking about in the early 19 nineties, more than
Speaker 2: 30 years ago, it was more than $100,000 and holding
Speaker 2: on to the check is
Speaker 2: even when you're walking out from the lawyer's office to
Speaker 2: the car park, you feel you are surrounded by Kenny
Speaker 2: G music and on. It's not that the feeling of
Speaker 2: being rich that you feel like you have in abundance,
Speaker 2: but you don't have a chance to feel that they
Speaker 2: are real. That kind of a feeling. It's surreal. Right?
Speaker 2: It's just, oh, is this really happening to me? That's
Speaker 2: the feeling,
Speaker 2: right. I'm glad you brought up your wife because I
Speaker 2: remember back in 1996 you opened up Norris consultants with
Speaker 2: your wife and obviously that eventually became propnex as a couple.
Speaker 2: What was your philosophy together when it came to money,
Speaker 2: both personally and professionally? Because it's one thing to manage
Speaker 2: your individual
Speaker 2: finances. But then you also are a working couple, you
Speaker 2: work together. So there's the professional finances to think about
Speaker 2: as well. Yeah, I think honestly, I'm truly blessed, I
Speaker 2: must say truly. And I also believe anyone to be successful,
Speaker 2: you need both the partner to be aligned in terms
Speaker 2: of money sense and values as well. So when you
Speaker 2: were running the consultancy together,
Speaker 2: did you run into financial conflicts with one another? Disagree
Speaker 2: on certain ways to run the business and how to
Speaker 2: manage the finances of that business? We never had an
Speaker 2: issue about managing the business finances, but obviously, we
Speaker 2: do have, I won't say issues, agreement and disagreement the
Speaker 2: way the company need to be run. That's perfectly ok
Speaker 2: because my wife was also an army officer. But the
Speaker 2: mere fact that I got attracted to her was because
Speaker 2: she was intellectual enough to challenge me
Speaker 2: and then when we started the business, I can't say
Speaker 2: it is my way. So we definitely had a lot
Speaker 2: of discussions and so on. But we have our strength.
Speaker 2: I'm a very numbered person. In fact, when I look
Speaker 2: at numbers, it floats and tell me stories. When I
Speaker 2: open a financial statement, I know the health of it
Speaker 2: good or are we in trouble? Her strength is in
Speaker 2: terms of curriculum development. She has got masters in training development.
Speaker 2: So that's her strength. So we blend both our strength
Speaker 2: when we started the company Norris consultants and named it
Speaker 2: as Norris because we coined after both our name, my
Speaker 2: wife's name is Nora. So the first four letters is
Speaker 2: Noor
Speaker 2: and my name is Ma I, so that's how we
Speaker 2: started our real estate company. Ok. Now, I want to
Speaker 2: know it's important for any couple to be on the
Speaker 2: same page to make sure that finances are on track.
Speaker 2: So what's the one thing that you and your wife
Speaker 2: have in common when it comes to a financial habit,
Speaker 2: we have come to an agreement. We will
Speaker 2: not lend money to anyone. I'm not taking this opportunity
Speaker 2: because I'm talking about money. No, no, no, no, no,
Speaker 2: because that is in the source of friendship and relationship
Speaker 2: being broken. But we say that we can give money
Speaker 2: to people who are
Speaker 2: and we just bless them with the expectation, not receiving
Speaker 2: it back. But if we receive it back. We take
Speaker 2: it as a blessing because the main reason here, this
Speaker 2: was our earlier days, even before we became an entrepreneur, ok?
Speaker 2: Because I think money can be the root of the problem.
Speaker 2: And because of money and you feel so attached to
Speaker 2: money and then your emotions go all over friendships can
Speaker 2: be ruined. So this is one agreement that we had,
Speaker 2: whether it is from my friends, my side or her
Speaker 2: friends or her.
Speaker 2: But if you ever decide to give, we don't need
Speaker 2: to consult each other. If it is within our range
Speaker 2: of pocket money for them to help themselves and the
Speaker 2: family for a week's meal or what, no problem. If
Speaker 2: somebody wants to ask X amount of $1000
Speaker 2: we don't have the right to give unless we both
Speaker 2: of us discuss and then we think it's ok, then
Speaker 2: we can. So that's one part of it. The next
Speaker 2: part here is we never overstretch ourselves beyond our means.
Speaker 2: I always felt in order to create wealth, it is
Speaker 2: at least through my experience, it's very difficult to save money.
Speaker 2: But if you commit into a right asset class, while
Speaker 2: we are working harder, the property to keep appreciating with inflation.
Speaker 2: So every time when we sell, we unlock, remember I
Speaker 2: said good couple of 100,000, but we never took the
Speaker 2: 100/1000
Speaker 2: to win on a Frenzy Holiday Award. The bulk of it,
Speaker 2: we reinvested into a higher value property, obviously, we spent some,
Speaker 2: but the bulk of it and we built the wealth
Speaker 2: until a time
Speaker 2: that we were able to sell multiple properties. Or now
Speaker 2: we are in a position to decide how we want
Speaker 2: to manage our life. I think that's an incredible story
Speaker 2: and some of that advice I wish I had when
Speaker 2: I was in my younger years. I just want to
Speaker 2: say it's never too late. Trust me.
Speaker 2: it is never I agree because honestly, because a lot
Speaker 2: of people disqualify themselves that maybe I should have done
Speaker 2: in the past and now it's not the right time.
Speaker 2: I would strongly suggest to anyone. It really doesn't matter
Speaker 2: where you are right now. But pause moment
Speaker 2: and to reorganize as far as financial first start with
Speaker 2: the health check and what is the next step you
Speaker 2: want to take? And you would be able to save
Speaker 2: fair amount of money. But if you only know where
Speaker 2: to cut what to cut. For example, some of us
Speaker 2: may be paying a monthly mortgage on our property that
Speaker 2: could be on a higher interest level. And by just
Speaker 2: taking a proactive approach to understand and speaking to few
Speaker 2: other mortgage lenders,
Speaker 2: either your own bank to say that, hey, I've been
Speaker 2: your loyal supporter over the last five years and I'm
Speaker 2: paying a much higher interest rates than the new people
Speaker 2: that you are trying to bring them on board. Can
Speaker 2: I have that similar treatment, the bank will give it
Speaker 2: to you. Everything can be negotiated and if the bank
Speaker 2: don't want to give it to you and there's no
Speaker 2: reason why the bank won't
Speaker 2: you shift to another bank? Then you become their new darling.
Speaker 2: But you saved money. Yes. Yeah. And it can go
Speaker 2: to a couple of hundreds of thousands depending on the
Speaker 2: amount of the loan. This is only one aspect, right?
Speaker 2: But when we just pause a moment and look at
Speaker 2: all our finances, be it a mobile plan? Maybe we
Speaker 2: see what data are we using and what we are
Speaker 2: not using
Speaker 2: and some habits or whether it is it out dining
Speaker 2: and what if you just reorganize a bit, we can
Speaker 2: have some savings. So you have three Children and they
Speaker 2: have grown up in a very different financial environment than
Speaker 2: you did in your childhood. So, how did you teach
Speaker 2: them about money
Speaker 2: first and foremost? I don't spoil them. What do you
Speaker 2: think is fair? Someone who's 19 and going on 20
Speaker 2: my younger daughter, she was schooling at Tanglin Trust and
Speaker 2: she had finished her school in two weeks time. She's
Speaker 2: going to go to London for her, continuing her university studies.
Speaker 2: What is a fair amount of a monthly allowance? Oh,
Speaker 2: in London here? Oh, here. Wow. One month. Wow. I
Speaker 2: don't know what kids spend on these days. They are
Speaker 2: very different from what I spent on when I was
Speaker 2: a 19 year old, I'm gonna go say 1000 put
Speaker 2: my status and their expectations and so on.
Speaker 2: I'm going to say more than 1000 how much
Speaker 2: I think they're gonna ask you for $3000. I give
Speaker 2: them monthly $450. Wow, that's what I got when I
Speaker 2: was a teenager. Wow. So that's the same amount because
Speaker 2: the family have everything. I mean, everything the food is
Speaker 2: there on the table,
Speaker 2: your $450 is just to spend on what you need.
Speaker 2: And unless of course you need to purchase something of
Speaker 2: a necessity. I can give you for that amount. But
Speaker 2: you have to just tell me daddy, I need this.
Speaker 2: I need an ipad because it is broken or I
Speaker 2: need to buy something because I'm going to go for
Speaker 2: a certain event. I need this blazer on a neat basis.
Speaker 2: I'm prepared to spend. Ok. But as a pure cash
Speaker 2: in your hand, how you want to spend,
Speaker 2: I think you don't only give them basically I want
Speaker 2: the Children to know that money need to be valued
Speaker 2: and you should spend your budget within your means. And
Speaker 2: I'm happy in this amount of money that I give.
Speaker 2: They still have a savings. Do you let them go
Speaker 2: to work part time to earn? My elder girl? In fact,
Speaker 2: both my girls went for all my Children,
Speaker 2: my elder girl earlier part of the year Risha might
Speaker 2: be right now, she's working for me for the last
Speaker 2: three years. She also graduated from UK. So when she
Speaker 2: came back, I put her through customer service operation for
Speaker 2: one year. Then she came back home sometime in tears.
Speaker 2: Why work is so difficult daddy? I said, yes, darling.
Speaker 2: It's like that. Then she moved on to hr department
Speaker 2: right now. I just want her to know
Speaker 2: that it is not an entitlement just because your daddy
Speaker 2: is a CEO or we have more financial comfort. No.
Speaker 2: So that's why I felt that the value of money
Speaker 2: is important from young. Actually, I can choose to give
Speaker 2: all the money, but that's not the right values being
Speaker 2: taught to them. That money is for free. So you've
Speaker 2: been in real estate for over 30 years, Ismael, what
Speaker 2: are some of the common financial mistakes you've seen Singaporeans
Speaker 2: make when buying a home? I can understand because any
Speaker 2: purchase comes with emotion.
Speaker 2: So I would suggest that anybody, especially if you want
Speaker 2: to buy any big ticket item home is definitely a
Speaker 2: big ticket item and it could be some others, it
Speaker 2: could be a car and whatever it is let not
Speaker 2: jump into it just looking at it in the first instance.
Speaker 2: And that will become too much of an emotional involvement.
Speaker 2: But on the other hand, we cannot detach emotions from
Speaker 2: any purchase because you must have a liking to be
Speaker 2: able to invest in that particular property. Always be prudent
Speaker 2: to buy within your means and always have a reserve
Speaker 2: for minimum six months. Ideal is one year in the
Speaker 2: event you choose to leave your current job and restart
Speaker 2: something and you are not so stressed. So I think
Speaker 2: the financial planning is definitely important.
Speaker 2: The other aspect that maybe it is not directly pertaining
Speaker 2: to the question, Andre that you asked, I believe in
Speaker 2: something and a term that I use quite frequently is
Speaker 2: known as delayed gratification. Yes. Yeah, a lot of people
Speaker 2: and I think especially some of the younger generations, but
Speaker 2: I won't say now even in the past. So I
Speaker 2: cannot label it now. It's not true. I think this
Speaker 2: is a weakness of people.
Speaker 2: Some of them tend to spend more than what they
Speaker 2: are capable or earn just to put a show to
Speaker 2: the world that they are so called good enough or
Speaker 2: I have arrived buying branded goods, buying things that they
Speaker 2: have to pay on installment basis, choking up their credit cards.
Speaker 2: These are the things that truly actually bleed
Speaker 2: your financial health over time. It may be easy because
Speaker 2: today there are so many lenders, either professional from the
Speaker 2: bank institution you go and they are prepared to give
Speaker 2: you as many credit lines or you will, I'm quite
Speaker 2: sure many of them will receive in the phone call
Speaker 2: friendly providers who will always want to say ready to
Speaker 2: give you ready cash. But all these things comes with
Speaker 2: a cash
Speaker 2: and when you don't manage it, the interest will kill
Speaker 2: a person and you lose your peace. And that's where
Speaker 2: family breakups also can take place. And as you said,
Speaker 2: you can't go to sleep at night having that burden
Speaker 2: in your mind. Right? I think that's absolutely true. And
Speaker 2: I had to learn that the hard way myself, by
Speaker 2: the way. So, Ismael, you always hear rich and successful
Speaker 2: people saying that oh no, no money isn't everything. But
Speaker 2: those who are less well off
Speaker 2: may perhaps say, well, that's because you already have that money.
Speaker 2: What do you say to that? No, I won't say easily.
Speaker 2: Money is not everything. Money is something but money cannot
Speaker 2: be everything. Ok, Steve Jobs had all the money but
Speaker 2: it couldn't help him.
Speaker 2: Money cannot give us health. Money cannot absolutely give us joy.
Speaker 2: But money is important. It is a source of blood.
Speaker 2: But if you say blood group is m like not
Speaker 2: A or B like it's money. But I think what
Speaker 2: is more important here is the contentment and non attachment
Speaker 2: to money is important because I've seen families earning less
Speaker 2: than $5000 and they are happy.
Speaker 2: But I've seen families earning $50,000 combined and not happy.
Speaker 2: So where do we stop then? Yeah. Correct. But money
Speaker 2: is important. If you say you don't even have money
Speaker 2: for the basic necessities, that's tough. And therefore I will
Speaker 2: say the only way to get out of it. Work harder.
Speaker 2: Never give up. Always believe that I am good enough.
Speaker 2: Kind of mental state. Go out there and get that
Speaker 2: money for your basic necessities.
Speaker 2: But you want to go beyond that.
Speaker 2: Then one day you can say money is not everything.
Speaker 2: Like most people say that's ok. That's your call. When
Speaker 2: they reach that stage, maybe I'll go and find out
Speaker 2: what their secret is. Ismael has been such a fun conversation.
Speaker 2: I'm so glad that we were able to get you
Speaker 2: to sit in this seat and talk to us and
Speaker 2: share your life's experience with us on money talk. So,
Speaker 2: thank you very much. Truly, my pleasure.
Speaker 2: All right. So we've come to the fun part of
Speaker 2: the Money Talks podcast. It's called Questions from a hat
Speaker 2: and you see my hat here, I'm going to reach
Speaker 2: out for it right now. Really going on. So this
Speaker 2: is the fun part. There are five random questions in here.
Speaker 2: I'm gonna toss them up and we do this with
Speaker 2: every one of our guests you get to pick, but
Speaker 2: you have to hand it to me and I'll read
Speaker 2: it out for you. OK. All right. Here you go.
Speaker 2: And right. Your question from the hat is,
Speaker 2: oh, this is a good one. Especially after the conversation
Speaker 2: we just had is mild. What is pricey but always
Speaker 2: worth it?
Speaker 2: Wow, that's too deep.
Speaker 2: What is pricey and always worth it? From a real
Speaker 2: estate perspective. As far as Singapore's is concerned, I will
Speaker 2: say real estate is always pricey. Yes, that's right. But
Speaker 2: why do I say it's always worth it? If you
Speaker 2: want to have a good retirement,
Speaker 2: if you want to be financially free, your property will
Speaker 2: continue to appreciate. Provided is the right property and you
Speaker 2: will have all the wealth when the time is right
Speaker 2: and you'll be a happy person and outside of real estate,
Speaker 2: what would you deem as pricey but still worth it? Ok.
Speaker 2: I think what is most important here is this the
Speaker 2: time that you give and make for your loved ones
Speaker 2: is truly pricey and you cannot put a price tag
Speaker 2: to it. When the time passes on, you can't go
Speaker 2: and hug and carry your daughter because she has outgrown.
Speaker 2: You have a space, you have a line, you have
Speaker 2: a respect and these are moments that you can bring
Speaker 2: it all the way till your grave. So to me
Speaker 2: such time that you can allocate is important
Speaker 2: values, respect. Once some broken, you can't take it back
Speaker 2: so you can't measure it through money. Yeah, absolutely true.
Speaker 2: Thank you so much Ismael Gaffer for sitting in the
Speaker 2: hot seat on the Money Talks podcast today. Truly, my
Speaker 2: pleasure and
Speaker 2: thank you as well for listening to us. And if
Speaker 2: you have any thoughts on what you've just heard, feel
Speaker 2: free to drop us a comment. A shout out to
Speaker 2: the team here is Tiffany Ang Joanne Chan, Jaini Johari
Speaker 2: and Sae Wind, our video editor Haida Amin. That's it
Speaker 2: for now on the Money Talks Podcast. I'm Andrea Heng.