The Financial Coconut Podcast

How a Longkang Cleaner Built a Business Nearing S$3M a Year [W&S S2 E3 ft Shaik Nifael] Oct 11, 2026 40:46 Most people try to make their jobs sound more impressive. Shaik Nifael does the opposite: "I clean longkangs for a living."He left school without the conventional qualifications his parents had hoped for and ended up doing the work he had been warned about growing up. At first, even Shaik was embarrassed by it. Then something shifted: engineers were listening to his advice, clients relie

SGX UCITS ETFs: What Singapore Investors Need to Know [Chills 287 ft MoneyOwl & SGX] Oct 7, 2026 1:11:29 Would you buy an ETF just because it is cheaper, more tax-efficient and easier to access from Singapore?With new UCITS ETFs coming to SGX, that choice is about to become much more relevant for local investors.But convenience is only one part of the equation.In this episode of Chills with TFC, Reggie, Dawn, Chuin Ting Weber and Kang Wei Chin unpack what investors should actually look at before choo

How Two SG Founders Beat Korean Skincare Giants Without Big-Brand Money [TBS 64] Oct 6, 2026 49:15 A customer watched her live stream for SIX months before buying anything. The reason? "You're not someone that fly by night."Dawn sits down with two homegrown Singapore care brand founders - to break down how small local players actually win in a market dominated by Korean giants and Western imports.It's not bigger ad budgets. It's not paid magazine awards (those are scams -

36 Hours in a Cell: The Arrest That Changed a 24-Year-Old's Career [W&S S2 E2] Oct 4, 2026 34:08 At 24, Nicholas thought he was choosing between photography and film production.Then he spent 36 hours in a concrete cell.Lights on around the clock. Air-con blasting. Almost nothing except time to think. And one question kept coming back:“Is this all my life is worth?”The arrest didn’t instantly give him a new career. But it forced him to question the path he had spent years building. Then came a

Cancer at 34: Could You Afford a Year Without Work? [Chills 286, Sponsored by Prudential] Sep 30, 2026 50:00 Most of us plan for the hospital bill.But what happens if you cannot work for months… or even a year?Daniel was chasing FIRE. Then cancer forced him to stop working… but not in the way he had planned.At 34, Daniel found a lump after a 5km run. Nine days later, he was diagnosed with stage 2B Hodgkin lymphoma.Six months of chemotherapy followed: 12 sessions, 13kg lost and a treatment bill of over $3

Are You Getting the Most Out of Your Credit Card? [Chills 285, Sponsored by Trust Bank] Sep 23, 2026 40:11 For years, the credit card debate had two camps: Team Miles or Team Cashback.Now, Trust Bank is adding a third contender, which is Stockback.This week on Chills with TFC, Reggie sits down with Dawn from SG Budget Babe, personal finance YouTuber Demi Zhuang and Johnathan Chua from The Daily Ketchup Podcast to compare how they reward their spending.Dawn reveals why becoming a mum pushed her from cas

The Biggest IP Mistake: Treating It Like a Checklist [TBS 63 ft IP for Growth Awards] Sep 22, 2026 30:31 Three companies, three very different IP playbooks. A top-10 global dairy brand patents individual probiotic strains and prints the story on packaging to justify a premium. A food-traceability startup patents its core process but keeps its actual signature method a trade secret, refreshed yearly to catch counterfeits. A local kopi-brewing startup can't patent its process at all, so recipe, hardwar

Real Reasons Fresh Grads Get Ghosted After 400 Applications [W&S S2 E1] Sep 20, 2026 33:40 A 100% keyword match on a resume used to be the goal. Now it's often the reason it gets rejected before a human ever reads it.Career coach Samantha Ng joins co-hosts Adrian and Faith to break down why fresh grads are sending out hundreds of applications and hearing nothing back. The diagnosis isn't a weak resume, it's a hiring system that screens through AI before anyone sees the document, filters

Indonesian Professional Pursues Singapore Dream with a $2.5M FIRE number [Chills 284 ft Pandeka] Sep 16, 2026 45:28 His first salary in Jakarta was S$150 a month. He saved 40% of it. Eleven years on in Singapore, he sits seven or eight years out from a S$2.5 million FIRE number, with two kids and a helper.Meet Deka, the Indonesian professional who built 630,000 subscribers in eighteen months teaching the thing his banker friends in Jakarta had never heard of: index investing. No gurus, no hot tips, no McLaren o

NDR 2026 Experts Take: More Money, More Leave, But Will Singaporeans Have Kids? [Chills 283] Sep 9, 2026 58:02 Singapore's National Day Rally 2026 changed how family support works. In the past, families got a bigger payout for each additional child, more money for the second child, even more for the third. That system is gone. Every child now receives the same flat support each year, no matter their birth order.Our guests explained why this matters more than the dollar amount itself: incentive-based payout

Why Singapore SMEs Should Invest in Sabah, According to Its New Investment Chief [TBS 62, Sponsored by STTOS] Sep 8, 2026 31:55 Every Singapore business that outgrows Singapore looks north. Most stop at Johor. It's close, it's familiar, and anything further feels like a different order of decision. Sabah is three hours away and does not make the shortlist.Closing that gap is now Kevin George Ukang's job. Five months into running Invest Sabah, after sixteen years inside a regional development authority, his pitch to Singapo

Are SGX Companies well governed and truly undervalued? [Chills 282] Sep 2, 2026 50:18 Everyone says Singapore stocks are going cheap. So one guest pulled the Bloomberg numbers before walking into the studio: small caps here trade at 13 times earnings on average. Hong Kong? About four. Malaysia, 11. Her verdict: not undervalued. "Fairly priced."Meet Lawrence Loh, the NUS professor who has scored SGX-listed companies on governance for over a decade, and Hwee Li Ong, the SAC Capital C

Why Fixed Income May Matter More In Today’s Market [Chills 281, Sponsored by Aberdeen] Aug 26, 2026 36:59 Most investors love talking about equities.But in a world of higher interest rates, geopolitical uncertainty, tariff risks, AI disruption, and shaky market narratives, fixed income may be more interesting than many people realise.Natalie Tan, Head of Wholesale for Southeast Asia, and Nathaniel Wilson, Fixed Income Investment Specialist at Aberdeen Investments, break down how bonds, credit strategi

Burnout Doctor broke Bond to pursue Barista FIRE [Chills 280] Aug 19, 2026 51:26 Burnout stories are common. What is rare is someone who actually steps off the “helicopter track” and rebuilds life from scratch. Dr Faith Nadine Choo, The Side Quest Doctor, did exactly that. After clocking 70 to 80 hours weekly and surviving 30‑hour hospital calls, she realised she was running on empty. Her turning point came during a palliative posting, watching a patient her age face terminal

How A Singapore Tennis Coach Built A Million-Dollar Portfolio [Chills 279 ft SGWealthJourney] Aug 12, 2026 40:40 A millionaire tennis coach sounds like a flex… until you hear the grind behind it.Meet Jun Chong, a tennis coach who started the sport "too late" at 13, who runs Jun Tennis Academy in Singapore, and who today is a self-made millionaire investor behind SGWealthJourney.Explore his story on the early gains that made him cocky, the all-in earnings gambles that almost wiped him out, and the painful piv

Manhattan Fish Market’s New Franchise Model Explained [TBS 61 ft Manhattan Fish Market] Aug 11, 2026 20:23 Manhattan Fish Market is setting its sights on a comeback by returning to what made the brand memorable in the first place: familiar flavours, accessible seafood and a distinctly Malaysian identity.At Franchise International Malaysia 2026, CEO Deric Yeo and COO Sheikh Imran Iskandar shared how the home-grown halal seafood chain is rediscovering its original DNA while adapting to changing consumer

How Can AI Make You a Better Investor? [Chills 278 ft Tree of Prosperity, Steady Compounding] Aug 5, 2026 43:22 Many retail investors chase tips, trends and rumours, yet overlook the one thing that consistently improves results: better thinking. We break down how AI‑style reasoning helps investors ask sharper questions, reduce emotional bias and build clearer decision frameworks. Learn:- Practical habits such as defining investment objectives, stress‑testing assumptions- Understand how data guides long‑term

Can You Make Money From an Anytime Fitness Franchise? [TBS 60 ft Anytime Fitness] Aug 4, 2026 40:53 From one gym in 2017 to 16 clubs today, Jaya’s Anytime Fitness journey shows what disciplined reinvestment can achieve.Instead of taking profits out, he channelled earnings from each successful outlet into the next. That steady approach helped him scale across the Klang Valley while continuing to run other businesses. Meanwhile, Anytime Fitness Malaysia has grown from just 17 gyms in 2017 to aroun

From Broke Founder to $4M in 10 Years: FIREPath Lion's Comeback Story [Chills 277] Jul 29, 2026 41:40 He failed his startup. Lay awake at night convinced he'd ruined his financial future. Ten years later, he's sitting on a $4 million portfolio.Meet FIREPath Lion, the pseudonymous Singaporean blogger who shares everything most personal finance creators won't: his exact salary, every bonus, every investment, every number on the way to FIRE. No gurus, no day-trading, no genius stock picks. Just Bogle

Is Your Franchise Actually Illegal? [TBS 59 ft Damien Yeo] Jul 28, 2026 32:09 Franchising can be one of the fastest ways to grow a business, but it can also become one of the costliest mistakes if you overlook the legal requirements.In this episode of The Financial Coconut Business Show, franchise lawyer and registered franchise consultant Damien Yeo unpacks the legal framework behind Malaysia's Franchise Act 1998 and explains why many businesses unknowingly cross the line

The Smarter Way To Build Wealth While Working Full-Time [Chills 276, Sponsored by Webull] Jul 22, 2026 1:05:00 Most people want to get rich faster.But what if the smarter move, especially in your 20s and 30s, is not squeezing every dollar out of a tiny portfolio?For busy professionals, wealth accumulation may start with something less sexy but far more powerful: growing your income, managing your spending, and consistently investing the difference.Chris How (semi-retired, founder of retireby50.me), Chris C

Globally Diversified Funds Are Too Concentrated For The New World [Chills 275, Sponsored by Amundi] Jul 15, 2026 36:34 Your “global” portfolio might not be as global as you think. Many investors buy a world index believing they are diversified across the planet. But if a large chunk of that exposure is still concentrated in the US, and especially in US tech, are you really spreading your risk? Reggie flew to Paris for the Amundi World Investment Forum and sat with Guy Stear, Head of Developed Markets Strategy, Amu

Wise & Shine Returns With A New Gen Z Voice Jul 12, 2026 8:06 Wise and Shine is coming back, and this time, we are looking for a new voice.The career landscape has changed. It is no longer just about climbing the ladder, asking for a higher salary, or figuring out how to survive middle management. Gen Zs are entering a workplace shaped by AI, higher expectations, tougher competition, and new definitions of success.That is why Wise and Shine is opening the do

Can SGX consistently be a great investment market? [Chills 274 ft Louis Chua & Jamus Lim] Jul 8, 2026 47:10 Why are more Singaporeans investing overseas instead of at home?In this episode of Chills with TFC, Reggie sits down with Louis and Jameis to unpack what it would really take to make Singapore’s stock market more vibrant again.The conversation goes beyond returns. It looks at the deeper issues behind the SGX, from company fundamentals and corporate governance, to liquidity, retail participation, a

Where can you live better? Paris vs Singapore [Chills 273, Sponsored by WeBull] Jul 1, 2026 55:55 Would you move back to Singapore if your salary doubled?For some Singaporeans living in Paris, the answer is not as obvious as we think.Yes, France comes with higher taxes, strikes, smaller apartments, language barriers, and a very different pace of life. But the trade-off is also real: stronger healthcare coverage, more holidays, cheaper schooling, employee benefits, unemployment support, and a l

Can Feng Shui Help You Engineer Wealth? [Chills 272, Sponsored by Imperial Harvest] Jun 24, 2026 50:14 We spend a lot of time talking about wealth strategies, career moves, investing, business, and personal growth.But what if some outcomes are shaped not just by effort, but also by timing, environment, and the patterns we keep repeating?Dawn, SG BudgetBabe and Anthony sit down with Grandmaster David from Imperial Harvest to explore a different lens on success: Ba Zi, Imperial Feng Shui, luck cycles

The Jobless Club: How They Are Building Their Way Out of Corporate Rat Race [Chills 271 ft Jobless Club] Jun 17, 2026 44:52 Three Singaporean software engineers. One target: $30,000 monthly recurring revenue. One end goal: retire in Chiang Mai.Meet the Jobless Club — Sean, Joseph, and Jonas — a trio of full-time engineers spending their nights and weekends building side businesses that could free them from the corporate grind. Their bet against the lone-wolf indie hacker model? Three founders are more sustainable than

Climbing Out of Poverty in Singapore (And Why So Few Actually Do) [Chills 270] Jun 10, 2026 47:05 Singapore loves the story of social mobility. But behind the headlines, there's a quieter story: poverty is often an entrenched social class, and very few people actually climb out of it.Syainda Abdul was one of them.At 17 she was changing diapers. Married into an abusive relationship. Living in rental flats. Surviving on $900/month ComCare aid with $1,200 in expenses, and using $20 of that aid to

Building a Fast Growing Character IP in Singapore! Here are the potholes [TBS 58 ft VICPA] Jun 9, 2026 41:45 Creators, freelancers, and micro-business owners often only think about contracts, IP rights, payment terms, and legal recourse after something goes wrong.But by then, it may already be messy.In this live TFC Business Show session, recorded live at Whiskdom Cafe, we unpack what creators need to know to protect their work and get paid properly.We discuss what happens when a stockist does not pay, w

The Truth About the Asian Middle Class Life (And Why It Looks So Different Here) [Chills 269] Jun 3, 2026 45:08 Two helpers. Two drivers. Two cars. That was middle class life back home for our guests in KL, Jakarta, and Hong Kong. So why on earth did they choose to leave it behind for a 4-room HDB and the MRT?Sit down with Shen, Music Programme Director, Mickey Salim, and Theros, Founder, Yinvest.co to unpack the viral IG post comparing middle class life across ASEAN. They get into the painful trade-offs: c

Unemployment Maxxing: These Gen Zs Hitchhiked Their Way From Sg to Krabi [Chills 268] May 27, 2026 46:15 What do you do when the job market is trash and you’ve got a Masters degree but zero interest in a cubicle? You hitchhike to Thailand, obviously.Hear from Yihui and Jake, two 'crazy guys' who went viral for hitchhiking from Singapore all the way to Krabi. But this isn't just a travel vlog, it’s a deep dive into the 'Fun Employed' lifestyle.We’re talking about the reality of 'unemployment maxing,'

The Perpetual UNEASE felt by Singaporeans with Money explained [Chills 267 ft Teo You Yenn] May 20, 2026 54:08 Why is it that in one of the wealthiest nations on earth, we still feel like we’re never quite 'safe'?Sit down with a true legend in the Singapore literary and academic scene. Eight years ago, she changed the national conversation with her bestseller This Is What Inequality Looks Like. Now, she’s back with a new project that might be even more uncomfortable…because this time, it’s about you.Introd

Beating Giants With No Money. The Challenger Brand Playbook [TBS 57, In Collaboration With UOB Finlab] May 19, 2026 42:01 The traditional marketing funnel, awareness, consideration, conversion, is dead. Real buyers don't move in straight lines. Some jump straight to purchase. Others sit on the bench for six months. And some only buy because their friend did.Recorded live at the UOB FinLab SME programme, we dig into what actually moves people from curious to converted.From community-led growth to founder content, nano

How a 26-Year-Old Freelancer Bought a $1M Condo at 26 [Chills 266 ft Chrissy Crossy] May 13, 2026 51:56 She's 26, single, and just bought a near $1 million condo on a freelance income. The internet refused to believe it.Meet Chris Chross, Producer & Sound Recordist, Continuum Creatives - the Singaporean millennial whose TikTok went viral when she filmed her parents' reaction to her solo condo purchase. But the headline misses the actual story. Behind the viral moment is a brutal practical playbo

She Moved to Vietnam With 2 Cats, Now She Runs One of Hanoi’s Best Bakeries [Chills 265 ft Sheereen] May 6, 2026 44:30 What happens when you leave Singapore at 21, move to Vietnam, and start life from scratch?Sit down with Sheereen Amran, Founder, Baked and Friends, a Singaporean entrepreneur who built one of Hanoi’s most loved bakeries after taking a leap into the unknown.Her journey wasn’t simple.She faced job rejections, cultural shocks, and even launched her bakery during the COVID lockdowns. But a simple cook

Why Malaysia is the Next Big Thing in Franchising [TBS 56, Sponsored by MFA] May 5, 2026 19:09 Most Singaporeans don't realise our neighbour up north has been quietly building a franchise empire for over three decades, and 2026 might be the biggest edition yet.We sit down with Kairul Azman Mohd Yusoh, Secretary General of the Malaysia Franchise Association, at the Marrybrown Sentosa flagship to unpack why FIM (Franchising International Malaysia) 2026, happening 21–23 May at KLCC, is officia

War, AI, Singapore's Professionals are anxious, so what's the plan? [Chills 264 ft Ministry of Manpower] Apr 29, 2026 1:03:25 Global shifts. Local wages. SMEs on the brink. What does it actually mean for your paycheck when elephants fight and grass gets trampled?We got a senior policymaker to cut through the noise and get straight answers on Singapore’s job market, foreign talent, and who really pays the price of growth.Guest:Dinesh Vasu Dash (Singapore’s Minister of State for Culture, Community and Youth (MCCY) & Ma

Chubby FIRE at 50! Travelling 120 Days a Year! [Chills 263] Apr 22, 2026 47:23 What does retirement actually look like when you've done it right? In this episode, we sit down with Nicole and Edward, a Singaporean couple in their early fifties who've been fully retired for four years. They didn't inherit wealth. They didn't go all in on crypto. They built their exit the slow, boring, brilliant way, and now they travel 120 days a year, ski across Japan, and still have the fina

We Challenged a CEO Before His IPO… Here’s What Happened [Chills 262, Sponsored by Kin Global] Apr 15, 2026 48:12 This audio is for information purposes only and does not constitute or form part of any offer or invitation for sale or subscription of or solicitation or invitation of any offer to or recommendation to buy or subscribe for any securities. Any person wishing to subscribe for and/or acquire any securities in Kin Global Limited will need to make an application in the manner set out in the Offer Docu

My 'Boring' Uncle Portfolio Makes $200K a Year [Chills 260 ft Stocks.cafe] Apr 8, 2026 35:02 Could you actually "quit" the Singaporean rat race and still pull in a massive annual income?Meet Evan Koh, the "nerdy engineer" and Founder of Stocks.cafe, who did exactly that. After a PhD and a decade-long stint in Japan, he returned to Singapore with a $200,000 annual passive income and a new mission: hitting the gym and living life on his own terms.From building tools for investors to creatin

The Art & Science Behind Building Diversified Portfolios [Chills 260] Apr 1, 2026 49:09 Markets are volatile. Headlines are everywhere.Oil prices are rising, geopolitics is heating up, and investors everywhere are trying to predict what happens next.But what if trying to predict the market is the biggest mistake investors make?How should you actually invest in a world that feels unpredictable?Sit with Wei Dai, Global Head of Research, Dimensional Fund Advisors, to break down the scie

New Format Coming Soon, Follow our New Feed Mar 31, 2026 46:52 After nearly a year of conversations with founders, creators, and entrepreneurs, the TFC Business Show is wrapping up its current format.But before we move into the next phase, we’re looking back at the most memorable stories, unexpected insights, and biggest lessons from the journey.From founders who built businesses from scratch to creators turning passion into thriving ventures, this episode re

Our Last Wise & Shine Episode Mar 29, 2026 49:20 After 160 episodes and 3 years of conversations, the entire Wise and Shine team is back together for one final discussion.But this episode is different.We’re sharing the real story behind the show, the lessons we learned, and why we’re pressing pause on the podcast… for now.From its humble beginnings to becoming a platform for honest conversations about careers, personal growth, and the changing w

‘Love Is Not Enough’ Why Couples Must Talk About Money [Chills 259, Sponsored by OCBC] Mar 25, 2026 1:09:48 Is talking about money before your wedding unromantic, or is it the ultimate act of love?From 'death files' to treating a marriage like an M&A merger, we’re peeling back the layers on how to build a financially stable future without the awkwardness.Dive into the uncomfortable but necessary conversations couples should have before and during marriage, and why avoiding them can lead to bigger pr

Meet The Technology That Can Keep Durians and More Truly Fresh All Year Round [TBS 54] Mar 24, 2026 45:15 Can technology make seasonal food available all year round without losing its freshness?We sit down with Christopher Quek, VC, entrepreneur, and founder of Spike Durian, to explore how a simple obsession with durian led to an unexpected startup opportunity.After two decades investing in startups, Christopher decided to jump back into the arena. What followed was a fascinating journey into food tec

Should You Tell Your Boss About Your Mental Health Diagnosis? [W&S 161] Mar 22, 2026 31:54 Mental health is something many workplaces say they support today. But when it comes to actually sharing a diagnosis at work, many professionals still choose to stay silent.Why is that?Through an honest and thought-provoking discussion, we unpack the fears, trade-offs, and decisions people face when navigating their careers while managing their mental wellbeing.Joining us for this conversation are

The New Scams Hitting Professionals (Most People Don’t See It Coming) [Chills 258] Mar 18, 2026 50:06 🚨 Think you’re too smart to get scammed?Think again.Sit with Beaver Chua, Managing Director and Head of Group Anti-Fraud at OCBC Group - a former police officer now leading the fight against scams inside one of Singapore’s largest banks.Many scam victims today aren’t careless. They’re educated professionals and investors who thought they knew better.In this episode, we explore:Why white-collar pro

The Boring Business Of Vending Machines, Made Interesting Again [TBS 53] Mar 17, 2026 41:59 ☕ Can a vending machine make café-quality coffee?In this episode of The Financial Coconuts Business Show, we sit down with the founders of Flow Coffee, a startup challenging Singapore’s coffee scene with an unexpected idea: coffee vending machines that serve café-grade drinks made with fresh milk.After noticing how expensive and inconvenient good coffee can be, Chang Wei Sheng (Founder & CEO)

The Builder Traits That Make Mid-Career Professionals Irreplaceable [W&S 160] Mar 15, 2026 42:56 Why do we say we want innovators… but still reward rule followers?In this episode, we are joined by Patrick Lim, CEO of ACE.SG, and Ezekkious Loo, YSEALI Fellow; Winner of FY25 POL-ITE Entrepreneurs Challenge, to dive into a fascinating paradox: Young people are building projects, joining startup competitions, and launching side hustles earlier than ever, yet many of them still don’t see themselve

Financial Mistakes Homeowners Make When Designing Their Dream Home [Chills 257, Sponsored by Commune] Mar 11, 2026 1:02:47 You’ve waited years for your keys.You’ve saved, pinned, planned… maybe even built a 20-page brief.But when the hacking starts and the bills roll in, what really happens?In this episode, we dive into the emotional, financial, and practical realities of renovating your first home. From design dreams to budget shocks, from Pinterest boards to unexpected mold problems, we unpack what most homeowners o

The Business of Keeping Things Fresh in the Philippines [TBS 52] Mar 10, 2026 47:06 What if the reason your food isn’t fresher isn’t the farm, but everything in between?In this episode, we dive into a business almost nobody dreams of starting, yet it quietly powers entire cities. Think traffic jams, melting margins, broken fridges, and a problem so hidden that most consumers never even notice it.Here’s what we’re unpacking:Why traffic in Metro Manila became a business opportunity

5 Things No One Ever Taught You About Getting Ahead at Work [W&S 159] Mar 8, 2026 36:49 Ever feel like you’re doing everything right at work… but still getting overlooked?You’re not alone, and you might be playing by rules that no longer exist.Unpack the unspoken visibility rules shaping modern careers especially in a world where AI, remote work, and changing leadership expectations are rewriting the promotion playbook.But being louder isn’t the answer.Explore:Why being the “reliable

How to Budget for Kids: Parents Share What Works [Chills 255, Sponsored by OCBC] Mar 4, 2026 36:47 What happens when parenting meets budgeting… and a little friendly competition?In this lively episode, we have real parents battle it out with their best money-saving (and sanity-saving) strategies for raising kids.There’s laughter, a few surprising confessions, and some very different philosophies on what’s actually “worth it” when it comes to spending on your children. And yes, the audience gets

You Must Watch This Before Starting An Agency [TBS 51] Mar 3, 2026 47:36 Are you thinking about starting your own marketing agency? Well, think again! It’s not as easy as setting up a company and getting your friends to help out.We dive into the ups and downs of running a digital marketing agency with none other than Marcus Ho, founder of Brew Interactive, who's been at it for 17 years.Here’s what you can expect from this episode:How Marcus started his journey from scr

How to Get People to Actually Listen to You at Work [W&S 158 ft Radio Host from MoneyFM 89.3] Mar 1, 2026 36:10 Ever wonder why some people walk into a room and instantly have everyone leaning in… while others can’t get a word in edgewise?We pull back the curtain on what really makes someone memorable at work, and why being smart and hardworking isn’t always enough. If you’ve ever left a meeting thinking, “I had so much to say… why didn’t it land?” this one’s for you.Here’s a taste of what we get into:Why “

Can this CPF Update Finally Resolve Financial Anxiety of the Middle Class? [Chills 255, SG Budget 2026 Debate ft Anthea Ong] Feb 25, 2026 1:01:55 We are talking about Singapore’s structural anxiety, its link to finances, and how the latest national budget impacts everyone - from working professionals to families. Join host Reggie, aka your Chief Financial Coconut, and an expert panel as they break down the burning issue of the day.Meet the Guests:Alex Lee: Former CFO and insurance expert, diving deep into retirement realities and the pressu

How To Get More Youths To Start Their Own Business Today? [TBS 50, SG Budget 2026 Debate] Feb 24, 2026 54:10 Dive into the latest Singapore Budget and its impact on youth entrepreneurship, tackling the challenges and opportunities in today's market.Join our guests as they share their unique insights into the changing landscape of work and entrepreneurship.Chua Pei Ying, APAC Head Economist at LinkedIn,Simarna Singh, Regional (APAC) Healthcare Sustainability Manager & Client Partnerships at DKSH, andE

What Budget 2026 Isn’t Saying About the Job Market [W&S 157, SG Budget 2026 Debate] Feb 22, 2026 58:17 Get ready for an insightful episode where we break down the Budget 2026 and its potential impact on the workforce and economy. This isn’t your typical budget discussion. We’re diving deep into AI, labour market shifts, and future career trends.Meet the Experts:Hui Wen Woo: A Recruiter; Director at Binoculer, sharing insights into how the job market has become more complicated than ever.Dr. Pinchua

SME Bosses Reacts To Singapore Budget 2026 #Budget2026 Feb 17, 2026 1:02:29 What happens when rising costs, foreign worker quotas, AI disruption, and global expansion all collide in one national budget?We unpack the real conversations happening behind closed doors: the tensions, the trade-offs, and the tough questions business owners are quietly asking.Here’s what you’ll hear:Why “adapt or be left behind” isn’t just a slogan, and what it really means for SMEsThe hidden pr

TFC Reacts to Budget 2026: Are Singaporeans Better Off? #Budget2026 Feb 15, 2026 1:08:13 TFC Budget Debate Is Back… And This Year, It’s PersonalThe numbers are out. The headlines are loud. But what’s really going on beneath the surface of this year’s Singapore Budget?Before you scroll past another hot take, tune in to the only budget debate you actually need to hear.the TFC crew dives deeper than ever, beyond the vouchers and headline announcements, to unpack what the policies really

Investing in 2026: How These Finfluencers are Investing in 2026 [Chills 254] Feb 11, 2026 54:29 New year. New market risks. New opportunities most people aren’t even looking at yet.In this episode, we bring together three seasoned investors with completely different strategies to break down how they’re thinking about 2026 - from AI hype to undervalued markets and everything in between.But here’s the twist:They don’t agree. And that’s exactly why you need to hear this.Inside this episode, you

Real, Battle-Tested Marketing Playbook [TBS 49, Sponsored by WorldFirst] Feb 10, 2026 46:40 Funnels are dead.“Best practices” might be costing you money.And the strategy that built an 8-figure brand started with just $500.In this episode, we go deep with battle-tested operators who’ve actually built, scaled, and exited, not just theorised on slides.Here’s what you’ll hear (without giving away all the secrets):Why your marketing “funnel” might be completely wrong, and what to think about

Why the Luxury Industry Hires Differently: Creativity, Judgment & Taste [W&S 156] Feb 8, 2026 30:50 What really makes someone “creative” at work, and can you actually train it?We dive into a conversation that goes way beyond art and design. Kick off the year with a fresh perspective on growth, identity, and what it really takes to stand out in today’s professional world.We’re joined by Priscilla Tang, Luxury Mindset & Career Coach, who brings a unique blend of career coaching expertise and y

Empowering Kids to Thrive Financially In a Cashless World [Chills 253, Sponsored by OCBC] Feb 4, 2026 50:44 Parenting doesn’t come with a guidebook… and neither does raising money-smart kids in today’s world.We’re living in a time where money is invisible - cards, apps, QR codes, tap-to-pay… even watches and rings. So how do we teach children the real value of money when they barely see it?In this episode, host Dawn Cher (Budget Babe) brings together three powerful voices to unpack a question every pare

Ergotune: The Risks, Hustle and Timing Behind The Legendary Exit [TBS 48] Feb 3, 2026 47:21 Tune in with Jake, the Founder of Ergotune, a brand that grew from humble beginnings to a game-changing company in the ergonomic furniture space.Listen as Jake opens up about the trials and triumphs of building a business from scratch, with insights into his journey from coding bootcamps to creating ergonomic solutions like the standing desk and office chairs.What you'll hear:The founding story of

The Career Advice HR Will Never Tell You: Build Skills Outside Your Job [W&S 155] Feb 1, 2026 33:43 What if you’re doing everything “right” - climbing the ladder, hitting milestones, building stability, but deep down… success still doesn’t feel secure?We dig into a growing mid-career reality: more professionals are quietly building skills outside their job; not because HR asked them to, but because they’re trying to protect their future.Because in today’s world, even the most stable job can star

The Great Wealth Transfer: How To Do This Well [Chills 252, Sponsored by OCBC] Jan 28, 2026 47:35 Get ready to dive into the complexities of legacy planning and wealth transfer.In this episode, we’ll explore:How to overcome the taboos surrounding legacy planning and bring it up with your loved onesCommon missteps people make when passing on wealth and how to avoid themThe power of starting early with financial education for your kidsPlanning for non-traditional families, including how to secur

Do Loyalty Stamp Cards Still Work? We're Here To Find Out! [TBS 47 ft yuu Rewards Club] Jan 27, 2026 46:24 What if the loyalty programs you think you understand… are actually built on completely different rules?We sit with a man some in the industry call “the king of loyalty” - the CEO behind one of Singapore’s largest rewards ecosystems. With millions of members and over a million active users every month, he’s got a front-row seat to how consumers really spend, save, and stay loyal.And let’s just say

$5000/Month?! The True Cost of Raising a Child in Singapore [W&S 154, Sponsored by OCBC] Jan 25, 2026 40:01 Before kids, you spent freely. After kids, every dollar has a new purpose.But what if the biggest financial shock of parenthood isn't the tuition fee, but something you never saw coming?Join our host, SG Budget Babe, as she sits down with three parents from vastly different life stages to uncover the raw, unvarnished truth about how raising a family fundamentally reshapes your financial world and

From 6 Rooms to 10,000 Keys: Real Estate IPO Story [Chills 251, Sponsored by The Assembly Place] Jan 21, 2026 1:02:40 Welcome to the first episode of our brand new series, The IPO Circle!We’re joined by Eugene Lim, Founder & CEO of The Assembly Place, a leading co-living company that’s revolutionising the real estate industry. From humble beginnings with just six rooms to managing over 3,500 keys across Singapore, Eugene shares his journey, challenges, and plans for the future.What to Expect:The Assembly Plac

The Startup Teaching Kids Robotics Using Chopsticks [TBS 46] Jan 20, 2026 41:32 They didn’t start with a fancy lab, big funding, or a “Silicon Valley” playbook.They started with scrappy prototypes, real classrooms, and a question that hits hard:Why is quality STEM education still not accessible to every kid?If you’ve ever been curious about startups, education, or what it takes to build something real (literally hardware), this one’s for you.We sit with Adam and Kai from Stic

The 100-Year Life: Is Your Retirement Plan Still Valid? [W&S 152, Sponsored by OCBC] Jan 18, 2026 52:36 "How would you spend the extra 20 years?"It's not a hypothetical question anymore; it's a demographic certainty. We are all living longer, and the traditional three-stage life of study, work, retire is officially obsolete. But what does a 100-year life truly look like, and how do we prepare for a future that is fundamentally different from the one our parents knew?Dive into the seismic shift of lo

Ex–Dollars & Sense Co-Founder Shares the Advice No One Wants [Chills 250 ft Dinesh Dayani] Jan 14, 2026 33:46 We sit with Ex Co-Founder of Dollars and Sense, Dinesh Dayani, a long-time personal finance thinker and investor, to unpack how technology, experience, and hard-earned humility have completely reshaped the way he approaches money.From the quiet impact of AI on how we consume financial advice, to early investing wins that felt like genius (but weren’t), this conversation challenges some of the most

A Look Into The Business of Sustainable Dopamine Hits [TBS 45] Jan 13, 2026 45:31 What if nightlife didn’t start at midnight… but at sunrise? What if music wasn’t just entertainment… but a tool for community, wellness, and human connection?Hear from a founder who’s quietly re-engineering how people gather, move, and feel, without following any traditional playbookOur guest:👉Christopher Shearmon, Managing Director of Wild Pearl StudioA former corporate professional turned commun

Workplace Harassment in Singapore: What’s Illegal - And What Isn’t [W&S 152] Jan 11, 2026 36:26 What if harassment at work no longer looks the way you expect?It’s no longer just whispered comments in corridors or uncomfortable meetings behind closed doors. Today, it can show up in Slack messages, WhatsApp chats, LinkedIn posts — and sometimes in ways that are subtle enough to make you question your own instincts.Dive into a topic many experience, but few openly talk about: workplace harassme

Childhood Shapes Our Money Habits, How To Do Better For Our Future? [Chills 249, Sponsored by OCBC] Jan 7, 2026 40:45 What if the way you spend, save, or stress about money… was shaped long before you earned your first paycheck?In this special live podcast episode, we unpack the invisible stories behind our money habits, the ones formed at the dinner table, in childhood homes, and during moments we didn’t even realise mattered.This isn’t a “how to get rich” conversation.It’s about why we think and feel the way we

When Family and Business Collide: A Difficult Succession Journey [TBS 44 ft Presto Drycleaners] Jan 6, 2026 40:53 What happens when the second generation takes the reins of a family business?We dive into the incredible journey of Presto Drycleaners, led by Chan Wei Tian, a former software engineer turned dry cleaning visionary.Key Highlights:Tech Meets Tradition: Chan Wei Tian shares the unique story of how he left the tech world to take over the family business, breathing new life into it with cutting-edge s

AI Can Do the Work — But It Can’t Do This [W&S 151] Jan 4, 2026 28:35 In today’s fast-paced world, AI is not just reshaping industries; it’s redefining what it means to be skilled and indispensable in the workplace. But with all the buzz about automation and job loss, what does this really mean for you?Can you still be a "human who can't be replaced"?With experts Peck Hoon Low, Senior Career Coach at General Assembly, and Tamanna Bilandi, Practice Tech Lead & Re

Where Are The Opportunities In 2026 According To DBS [Chills 248, Sponsored by DBS CIO Insights Funds] Dec 31, 2025 35:13 What does the future of investing look like? With interest rates shifting, the rise of AI, and the potential for a U.S. dollar shakeup, you’re probably wondering—what’s the smartest way to protect and grow your wealth?Adrian Low and Dharit Shah, from Team DBS, are in the studio to break down the latest market trends, share their investment strategies, and help you navigate through it all.Key point

The Biggest TFC Budget Royale EVER! [Chills 247, Powered by Chocolate Finance] Dec 17, 2025 30:46 The year’s ending… but we’re going out with a BANGThis isn’t just another episode; it’s the most chaotic, entertaining, and downright useful Budget Royale we’ve ever recorded.Three guests.Three festive categories.Zero chill.Expect:🎄 The sneakiest Orchard Road shopping hacks that might start a domestic debate✈️ Last-minute travel moves that sound illegal (but aren’t)💰 And the surprisingly personal

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