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The Financial Coconut is Singapore’s First Finance Podcast Network. We are focused on covering insights, stories and frameworks around Retirement, Financial Wellness and Income anywhere. If you love what we do, join our email list to stay connected.
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- 858 - How to Build Wealth, an Hour a Day | The Lunch Break Investor [Chills 291 ft Thomas Chua]
How much time do you actually need to become a good investor?
For most working adults, spending hours watching charts, tracking every headline and hunting for the next hot stock sounds exhausting.
Thomas Chua thinks investing doesn’t have to work that way.
He started learning about investing as a teenager, opened his first brokerage account at 18, and spent years trying different approaches. From dividends to technical analysis, before settling on a much simpler idea: understand good businesses, buy them at a sensible price, then give them time to compound.
The hard part isn’t always finding the next stock.
Sometimes, it’s having the patience to leave a good investment alone.
On this episode of Chills with TFC, Reggie sits down with Thomas Chua, Founder of Steady Compounding and author of The Lunch Break Investor, to talk about building wealth, knowing when to sell, career risk, financial independence and why investing doesn’t need to become a second full-time job.
Watch the full conversation on YouTube.
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Wed, 04 Nov 2026 - 41min - 857 - Talented but Underpaid? Why Good Work Isn’t Enough [TBS 66]
What do you say when a client likes your work, then asks you to lower the price?
That conversation can be harder than the creative work itself. Especially when you want the project, need the income or worry that pushing back will cost you the relationship.
At this Artbox panel, Adrian Tan speaks with Kyle Ong, James Tan and Johnson Gunasekaran about how they handle those moments across filmmaking, photography and marketing.
James explains why having prices ready for additional requests helps you respond before the work starts piling up. Kyle discusses negotiating a trade-off when a client wants a discount. Johnson shares why a rate quoted two years ago does not have to remain your rate forever.
For freelancers and small agency owners, these are decisions that shape how much time a project actually takes— and whether the fee still makes sense.
Which is harder for you: quoting your price or holding it when someone pushes back?
Watch the full episode on YouTube.
#TFCBusinessShow #Freelance #CreativeIndustry #PricingStrategy #SingaporeBusiness #Artbox
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Tue, 03 Nov 2026 - 45min - 856 - 70% Teaching, 30% Theatre: The Reality of an Arts Career [W&S S2 E6]
Can you really make a living doing what you love in Singapore?
For Rowena See, theatre is her passion, but teaching accounts for around 70% of her income. The remaining 30% comes from theatre work.
And here's the surprising part: landing more than two theatre projects in a year can already feel like an amazing year for her.
Meanwhile, Fiona Chua balances modelling, acting and other creative jobs, planning her finances around an unpredictable stream of opportunities.
So what does financial stability actually look like when your dream career doesn't come with a fixed salary?
In this episode of Wise & Shine, Adrian Tan and Faith Choo sit down with Rowena and Fiona to uncover the realities of building a creative career in Singapore.
From taking on multiple jobs and managing irregular income to developing new skills and creating their own opportunities, they share what it really takes to keep pursuing the arts.
Because passion may be what gets you started, but financial planning is part of what keeps you going.
Would you give up a stable salary to pursue something you love?
Watch the full conversation on Youtube.
#WiseAndShine #TheFinancialCoconut
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Sun, 01 Nov 2026 - 49min - 855 - Singapore’s First Nifty 50 ETF: What Investors Need to Know [Chills 290, Sponsored by UTI Investment Singapore]
Everyone talks about India’s growth. But how much are you paying for that growth?
That is where the conversation gets more interesting.
India can have strong fundamentals, rising consumption and companies with long growth runways, while its stock market can still look expensive at certain points. Both things can be true.
In this episode of Chills with TFC, Jermyn Wong of UTI Investment Singapore breaks down how investors can think about Nifty 50 valuations, what a “fair” P/E might look like and how India compares with markets such as the US.
Because choosing a market is not only about asking which economy will grow fastest. Price still matters.
Would you pay a premium for India’s growth story, or wait for a better valuation?
Watch the full conversation on YouTube.
This is a sponsored episode with UTI Investment Singapore.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Wed, 28 Oct 2026 - 42min - 854 - She Quit MOE to Become a Professional Cosplayer [W&S S2 E5 ft Chanel Yui]
Quitting a stable job is one thing. Having enough money to survive if it fails is another.
Before Chanel Yui left teaching, she had saved enough to give herself a few years of runway.
That gave her room to try different paths: cosplay, modelling, content creation, events, art and retail — without betting everything on one idea.
Three years later, she is still taking risks, just calculated ones.
For anyone thinking about leaving a stable career, her story is a reminder that the leap does not start with the resignation letter. It starts with being ready for what comes after.
Watch the full conversation on Youtube.
#WiseAndShine #TheFinancialCoconut
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Sun, 25 Oct 2026 - 40min - 853 - He Lost $484,300 to Takeshi Lim and Engaged Debt Collectors to Save Him From Bank Loans [Chills 289]
Kevin thought he had found someone he could trust.
They met through a property-investing community. The other man spoke about family, long-term relationships and business. The first payments arrived without Kevin even needing to chase. Over time, that trust grew into multiple deals… and eventually into borrowed money.
Then the rhythm changed.
Payments needed reminders. A few days became longer delays. Excuses piled up. Kevin says the stress started showing at work and even clients could tell something was weighing on him. By then, this was no longer only an investment problem.
His turning point was deciding to stop waiting quietly. Kevin documented what had happened, spoke publicly and engaged debt collectors. He recovered S$100,000, but the episode is less about getting money back than understanding how trust can blur risk.
Today, he is sharing the mistakes publicly through Quest with Kev so other people can examine opportunities with less emotion than he did.
Watch the full conversation now.
#TheFinancialCoconut #ChillsWithTFC #MoneyMistakes #FinancialLiteracy #Singapore
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🎧 The Financial Coconut:
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Wed, 21 Oct 2026 - 43min - 852 - You are using AI Wrong! Here's an actually useful framework for SMEs. [TBS 65 ft Voltade]
Is your SME actually using AI… Or are you just adding more AI tools?
The real opportunity may be much less flashy.
Think WhatsApp enquiries, emails, quotations, appointments, repetitive admin and all the small workflows your team keeps doing manually.
In TFC Business Show 65, Leonard Loo, Co-Founder & CEO of Voltade, breaks down how SMEs can move beyond simply chatting with AI and start getting it to actually do work inside the business.
Because adopting AI does not mean automating everything overnight. The more useful question is: which repetitive processes are slowing your team down, and which ones can already be handed over?
For business owners, this could mean less time spent coordinating routine work — and more time focused on customers, growth and decisions that still need a human.
If AI could take one repetitive workflow off your team tomorrow, what would you hand over first?
Watch the full conversation on YouTube.
#TFCBusinessShow #Voltade #AIForBusiness #SME #TheFinancialCoconut
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Tue, 20 Oct 2026 - 1h 01min - 851 - Your Job Might Survive AI. Will Your Skills? | LLSG Thought Leadership x Wise & Shine [W&S S2 E4]
AI can make work faster. But should it do all the thinking for us?
In this Wise & Shine conversation, Chelvin Loh, Dr Tommie Chen and Mario Jacober explore how AI is changing jobs, skills and the way people work.
The bigger question is not simply whether AI will replace jobs, but which tasks should be automated, where human judgement still matters and what skills will keep professionals relevant.
For working professionals, staying ahead may mean less chasing every new AI tool and more strengthening judgement, communication, adaptability and real-world capability.
Produced in partnership with Lifelong Learning Singapore.
Disclaimer: This content is for general informational and educational purposes only.
Watch the full conversation on Youtube.
#WiseAndShine #Lifelong Learning Singapore #CareerGrowth #FutureOfWork #AIAtWork #TheFinancialCoconut
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🎧 The Financial Coconut:
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Sun, 18 Oct 2026 - 1h 09min - 850 - Gym Franchises Fail. He shares the real formula to financially successful gyms.[Chills 288 ft Jeremy Ko]
Jeremy Ko’s first gym died after about a year.
No triumphant founder montage. He was fresh out of NS, knew fitness, but did not yet know how to run the business. That failure gave him the thing he could not buy from a franchise deck: context.
More than a decade later, he says his group has 25+ gyms, alongside fitness equipment, sports supply and climbing businesses.
The part worth stealing is not “work harder”. Jeremy’s model got stricter. He starts with demand and catchment, works backwards into rent and costs, and asks whether the concept can scale without the founder becoming the permanent receptionist, troubleshooter and cleaner.
His sharpest line for anyone romanticising entrepreneurship: if you only create one outlet that needs you every day, you may have bought yourself a job.
For TFC’s working-professional crowd, that is the real tension. Leaving a salary can create freedom… or swap one boss for rent, payroll and leaking roofs.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Wed, 14 Oct 2026 - 49min - 849 - How a Longkang Cleaner Built a Business Nearing S$3M a Year [W&S S2 E3 ft Shaik Nifael]
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 relied on him when buildings had problems, and he realised the job people looked down on was highly technical and hard to replace.
That experience became the foundation for Jetters Incz.
Along the way, Shaik took a S$1,900 management trainee salary, learnt sales the hard way, and later secured S$200,000 in backing from businessman Kelvin Neo. Jetters has since grown into a waste-management business reported to be generating around S$3 million in annual revenue.
This isn’t a "school doesn’t matter" story. It’s about what happens when you stop judging a career by how impressive it sounds and start asking where the real demand, skill and opportunity are.
Hit the link in bio to watch the full episode now.
#WiseAndShine #TheFinancialCoconut #SingaporeCareers #Entrepreneurship #SingaporeBusiness
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Sun, 11 Oct 2026 - 40min - 848 - SGX UCITS ETFs: What Singapore Investors Need to Know [Chills 287 ft MoneyOwl & SGX]
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 choosing an ETF: the index underneath it, withholding tax, brokerage costs, bid-ask spreads, liquidity and whether “passive” really means passive.
They also get into a surprisingly important question: when an ETF says “World”, how much of the world are investors actually getting?
The ETF wrapper may look simple. What sits inside it can be very different.
So if two ETFs track similar markets, what matters most to you: lower fees, tax efficiency, easier access or broader diversification?
Watch the full conversation on YouTube.
#ChillsWithTFC #TheFinancialCoconut #SingaporeInvesting
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 07 Oct 2026 - 1h 11min - 847 - How Two SG Founders Beat Korean Skincare Giants Without Big-Brand Money [TBS 64]
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 - they tell you why). It's the founder showing up, every day, on TikTok Shop, on Telegram, at Artbox booths, until the trust compounds into customers who buy 38 times instead of once.
If you're building a brand in a saturated category, skincare, F&B, fashion, anything, the playbook is in here.
#TFCBusinessShow #SingaporeBusiness #FounderLed #Ecommerce #SmallBusinessSG #Skincare
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🎧 The Financial Coconut:
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Tue, 06 Oct 2026 - 49min - 846 - 36 Hours in a Cell: The Arrest That Changed a 24-Year-Old's Career [W&S S2 E2]
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 another reality check: his four-year university degree cost about S$32,000, while just two days in hospital came to S$43,000. Seeing how his father’s financial planning helped him through that moment changed how he understood the work.
Nicholas eventually went from a decade in fine arts to financial consulting — carrying lessons from sport, art, relationships and one of the most difficult periods of his life into a completely different career.
Topics covered:
What happens when the career you studied for stops making senseThe arrest that left Nicholas in a cell for 36 hoursWhy a pain-relief cream led to interrogation, a raid and arrestFacing the possibility of major hip surgery at 24The S$32K degree vs S$43K hospital bill that changed his perspectiveMoving from fine arts and photography into financeStarting a new career with almost no relevant technical backgroundWhy freedom at work still requires disciplineHow around 50 character references changed his view of relationshipsWhy trust became central to the way he worksHow creative skills can still matter after a major career pivotWhy your career does not have to become your identityNicholas's advice to younger people: trust the process and bet on yourselfPractical, candid conversations on work, money, and everything in between. Like, follow, and subscribe to Wise & Shine for more.
#WiseAndShine #CareerPivot #CareerChange #SingaporeCareers #GenZCareers #TheFinancialCoconut
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Sun, 04 Oct 2026 - 34min - 845 - Cancer at 34: Could You Afford a Year Without Work? [Chills 286, Sponsored by Prudential]
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 $300,000.
His hospitalisation plan covered the treatment. His employer continued paying him for six months, while an early Critical Illness payout provided additional support.
The bigger lesson? Preparing for illness is not only about paying the hospital. It is also about buying yourself enough time to recover.
Prudential Singapore’s Health Gap Years poll found that 67% of respondents expected severe-stage critical illness recovery to take more than a year. Yet only 29% believed they had enough savings to get through it.
Daniel and medical oncologist Dr Hsieh Wen-Son join us to discuss the money, treatment and the difficult reality of life after a cancer diagnosis.
If you had to stop working tomorrow, how long could your finances last?
Brought to you in partnership with Prudential Singapore.
Disclaimer: This content is for general information only and is not medical or financial advice. Costs, recovery experiences and insurance coverage differ by person and policy. Speak to qualified healthcare and financial professionals before making any decisions.
#TheFinancialCoconut #ChillsWithTFC #Prudential #PrudentialSingapore #HealInYourHealthGapYears #CriticalIllness
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🎧 The Financial Coconut:
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Wed, 30 Sep 2026 - 50min - 844 - Are You Getting the Most Out of Your Credit Card? [Chills 285, Sponsored by Trust Bank]
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 cashback to miles. Demi shares the surprisingly elaborate card strategy she uses while furnishing her new home. Johnathan knows firsthand how even a small oversight, like a forgotten S$17 Uber charge, can affect a credit score. Now he's gotten way past that and on track to shaping his financial health and freedom.
Then comes the big question: could everyday spending help more Singaporeans take their first step into investing?
With the Trust Freedom Card, you can now turn everyday spending into investing. Earn 3% Stockback on eligible purchases, and once your Stockback reaches S$10, it will be automatically invested into your chosen stock or ETF.
Would you choose cashback, miles or stocks?
Watch the full conversation on YouTube.
Sponsored by Trust Bank. This content including any mention of stocks or ETFs is for general information only and does not constitute financial advice or a recommendation to buy or sell any investment product. Investments involve risk and may lose value. This advertisement has not been reviewed by the Monetary Authority of Singapore.
3% Stockback in US Stocks and ETFs promo is valid until 31 Dec 2026. This will change to 2% Stockback on Local Eligible Spend and 0.5% Stockback on Foreign Eligible Spend from 1 Jan 2027.
T&Cs apply. Visit trustbank.sg for more info.
#TheFinancialCoconut #ChillsWithTFC #TrustBank #Stockback #CreditCardsSG #SingaporeFinance
---
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Wed, 23 Sep 2026 - 40min - 843 - The Biggest IP Mistake: Treating It Like a Checklist [TBS 63 ft IP for Growth Awards]
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, hardware tweaks and a registered trademark do the heavy lifting instead.
Despite the size gap, the panel lands on the same warning: IP gets treated as a box to tick, filed and forgotten, instead of an asset that needs an active go-to-market plan. Getting granted is the easy part. Figuring out whether that patent should drive pricing, unlock licensing revenue, or protect a supply chain is the part founders skip.
For anyone weighing whether to patent, trademark, or just keep quiet about how something is made, the panel's breakdown of costs, timelines and trade-offs is a useful gut check.
Guests:
Dr Eugene Ho, Director of Research and Intellectual Property, Inner Mongolia Mengniu DairyLoh Jian Yuan, Chief Operating Officer, Kopi Near Me Pte LtdAlrik Tan, Co-Chief Executive Officer and Chief Scientific Officer, Natural Trace Private LimitedWhat's currently sitting in a business unprotected: is it because it's not worth protecting, or because no one's gotten around to it?
---
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Tue, 22 Sep 2026 - 30min - 842 - Real Reasons Fresh Grads Get Ghosted After 400 Applications [W&S S2 E1]
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-hostsAdrian and Faithto 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 out "too perfect" applications as machine-generated, and fills most roles through internal referrals long before they ever reach a public job portal.
Samantha, who works across local, regional, and global talent as a university career coach, walks through what's actually working right now: building a visible portfolio, going beyond internships for real-world proof of skill, using cold LinkedIn outreach the right way (ask for advice, not a job), and why energy management matters as much as strategy when the rejections start piling up.
Topics covered:
Why AI hiring screens resumes before a human does, and what a "too perfect" match now signalsThe hidden hiring funnel: referrals → fairs → headhunters → portals (and why job seekers are looking in the wrong place)Portfolio vs. internship stacking: what actually proves capabilityGhost job postings and lazy, AI-generated JDsCold networking that works, and why "ask for advice" beats "ask for a job"Energy management and separating justified stress from self-inflicted comparisonWhat to change in the next 7 days if applications aren't convertingPractical, candid conversations on work, money, and everything in between. Like, follow, and subscribe to Wise & Shine for more.
#JobSearch #CareerAdvice #FreshGrad #ResumeTips #AIHiring #SingaporeCareers #TheFinancialCoconut
---
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Sun, 20 Sep 2026 - 33min - 841 - Indonesian Professional Pursues Singapore Dream with a $2.5M FIRE number [Chills 284 ft Pandeka]
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 on the feed. Just a fixed split of every payday, half of every bonus into IBKR the day it lands, and a household that runs on one salary.
Deka breaks down how he outsaves his childless Singaporean friends, why he moved his largest position out of CSPX and into VWRA, and what S$2.5 million looks like once you take CPF out of it.
If you assumed FIRE in Singapore belongs to couples without kids, this is the counter-example.
---
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Wed, 16 Sep 2026 - 45min - 840 - NDR 2026 Experts Take: More Money, More Leave, But Will Singaporeans Have Kids? [Chills 283]
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 payouts push people toward having more kids, while flat, universal support signals something different, that the government backs parenting itself, not a specific birth count.
The change does not fix everything.
Singles are still left out of the conversation, and policy moves faster than culture does.
Removing the incentive for "just one more child" may make the support feel more honest, but it also resets what people expect family policy to do.
Does support built on consistency actually change how Singaporeans plan families, or does the amount still matter most?
---
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Wed, 09 Sep 2026 - 58min - 839 - Why Singapore SMEs Should Invest in Sabah, According to Its New Investment Chief [TBS 62, Sponsored by STTOS]
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 Singapore SMEs is narrower than you'd expect: tourism, logistics and food processing, with cold chain the loudest gap of the three.
Hotels in Kundasang sell out while travellers are still looking for beds. Cold storage runs short in a state built on perishables. Foreign investors can hold full equity, though native title land stays off the table. None of that makes Sabah easy. It makes it early.
If you've been weighing where to grow next, has Sabah ever made your list, and what would put it there?
Explore STTOS's trade and investment support and watch the full episode on YouTube for the key insights.
#TheFinancialCoconut #STTOS #Sabah #SingaporeSME #InvestSabah #BusinessExpansion
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Tue, 08 Sep 2026 - 31min - 838 - Are SGX Companies well governed and truly undervalued? [Chills 282]
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 CEO who takes companies to market. No sell-side spin, no vague optimism, no box-ticking. Just data, hard questions, and the odd coconut analogy.
In this Chills with TFC, they break down why large companies outscore small ones on governance every year without fail, why REITs top the governance scores year after year, and whether family-run firms deserve a place in your portfolio.
So which is it for you: are Singapore small caps cheap, or just bad at explaining themselves?
---
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Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Wed, 02 Sep 2026 - 50min - 837 - Why Fixed Income May Matter More In Today’s Market [Chills 281, Sponsored by Aberdeen]
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 strategies, investment grade, high yield, emerging market debt, frontier bonds, and short-duration fixed income actually fit into a portfolio. Not as “boring stuff for retirees”, but as tools that can help investors manage volatility, generate income, and think more clearly about risk.
The big shift? Yields have reset higher. That means fixed income may no longer be just the defensive sidekick in your portfolio. Depending on your objective, it could play a bigger role than expected.
For Singapore professionals who usually think “CPF is my bond” or go all-in on equities, this may be worth rethinking. Are bonds finally interesting again?
Learn more about Aberdeen’s investment solutions here:
https://www.aberdeeninvestments.com/en-sg/investor/investment-solutions/credit
Disclaimer:
This content is produced in partnership with Aberdeen Investments for educational purposes. It discusses the strategies and is not financial advice. Investments are subject to risks, including the possible loss of the principal amount invested. This advertisement has not been reviewed by the Monetary Authority of Singapore. Investors should read the relevant prospectus and consult a financial adviser to ensure any investments are suitable for their portfolio. For more information on Aberdeen Investments:Investment Solutions for Investors | Aberdeen Investments
#TFC #FinancialCoconut #FixedIncome #AberdeenInvestments #CreditInvesting
---
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Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Wed, 26 Aug 2026 - 36min - 836 - Burnout Doctor broke Bond to pursue Barista FIRE [Chills 280]
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 illness. That moment forced her to confront what she was truly chasing.
Dr Faith eventually broke her medical bond, paid a six‑figure penalty, and redesigned her life around freedom, health and meaningful work. Today she works 20 to 25 hours weekly, earns 8 to 10K, writes, podcasts and builds a life that fits her values.
This conversation is for anyone questioning the grind, exploring FIRE or wondering what “success” should look like in Singapore’s high‑pressure system.
Save this if you’re navigating burnout, career pivots or planning your own version of financial independence.
Tell us: What does a life built around freedom look like for you?
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Wed, 19 Aug 2026 - 51min - 835 - How A Singapore Tennis Coach Built A Million-Dollar Portfolio [Chills 279 ft SGWealthJourney]
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 pivot to a calmer, emotion-aware investing approach.
This conversation is a reminder that wealth is not built from one perfect strategy. It comes from work, skin in the game, painful feedback, and learning how to stay sane while taking risk.
Whether you're new to investing or already deep in the game, Jun's story is the kind of grounded "I made the mistakes so you don't have to" episode you'll thank yourself for watching.
What has been your biggest money lesson so far?
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Wed, 12 Aug 2026 - 40min - 834 - Manhattan Fish Market’s New Franchise Model Explained [TBS 61 ft Manhattan Fish Market]
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 habits. That means bringing back much-loved recipes, introducing Malaysian-inspired flavours and expanding through smaller kiosk and shop-in-shop formats designed for delivery, convenience and lower franchise entry costs.
The brand, which once operated across 16 countries, still maintains a presence in markets including Sri Lanka, Bangladesh, the Maldives, Myanmar and Jordan. Its strategy is clear: strengthen the Malaysian market first, prove the model, then grow into surrounding regions.
For aspiring franchisees, the lesson is equally important. International expansion is not about entering every market at once. Build one successful foothold, understand local demand and let strong performance create opportunities in neighbouring countries. Manhattan Fish Market’s next chapter is about nostalgia, reinvention and disciplined growth, without losing what customers already love.
#TheFinancialCoconut #ManhattanFishMarket #Franchising
🎧 *The Financial Coconut:*
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Tue, 11 Aug 2026 - 20min - 833 - How Can AI Make You a Better Investor? [Chills 278 ft Tree of Prosperity, Steady Compounding]
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 choices.
- Gain a grounded look at how structured thinking supports confidence, especially in volatile markets.
This is a useful watch for anyone who wants to improve discipline, avoid common pitfalls and make more intentional financial moves.
Save this episode for your next portfolio review and share it with a friend who is trying to invest more wisely.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 05 Aug 2026 - 43min - 832 - Can You Make Money From an Anytime Fitness Franchise? [TBS 60 ft Anytime Fitness]
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 around 130 in 2026, with even faster expansion planned.
Why Malaysia? Lower rental, construction and operating costs make the market attractive, while demand for accessible fitness, personal training and community-focused gyms continues to rise. However, the opportunity comes with serious commitments: opening a club may require roughly RM1.6 million to RM1.8 million, monthly operating costs can reach RM80,000 to RM90,000, and returns may take two to three years.
The lesson is simple: franchising is not passive from day one. Success still requires industry knowledge, careful site selection, strong people management and the discipline to follow a proven system, especially during the demanding early stages of the business.
#TheFinancialCoconut #AnytimeFitness #FitnessFranchise
🎧 *The Financial Coconut:*
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Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Tue, 04 Aug 2026 - 40min - 831 - From Broke Founder to $4M in 10 Years: FIREPath Lion's Comeback Story [Chills 277]
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 Bogleheads-style passive investing, aggressive saving, and a brutal honesty about what failure taught him.
FIREPath Lion breaks down how he climbed back from broke, why he believes the 4% rule changed his life, and the difference between his personal FIRE number ($3.7M) and his family's ($6-7M).
If you've ever wondered whether FIRE is real or just internet talk — this is the receipt.
Watch the full episode on YouTube.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Wed, 29 Jul 2026 - 41min - 830 - Is Your Franchise Actually Illegal? [TBS 59 ft Damien Yeo]
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 from licensing into franchising. Simply calling your business a "licence" does not mean the law will see it that way.
Damien breaks down the four legal elements that define a franchise, why registration matters, and the serious consequences businesses may face if they operate without complying with the law. From financial penalties to potential criminal liability, the risks are far greater than many entrepreneurs realise.
Whether you are planning to franchise your business, evaluating a franchise opportunity, or deciding between a licensing and franchising model, this conversation offers practical insights into due diligence, legal compliance, and protecting both franchisors and franchisees.
#TheFinancialCoconut #FranchiseLaw #Franchising
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Tue, 28 Jul 2026 - 32min - 829 - The Smarter Way To Build Wealth While Working Full-Time [Chills 276, Sponsored by Webull]
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 Chong (45K-sub FIRE YouTuber, ex-accountant), and Chris Ng (engineer-turned-CFA) break down what has aged badly in the investing world, from crypto hype to thematic funds, blind loyalty to jobs, and even over-reliance on one strategy. They also discuss robo-advisors, brokers, CPF, RSPs, dynamic RSPs, and why every platform has its own incentive.
Don’t just ask “what gives the highest returns?”
Ask: “What game am I actually playing, and does this strategy fit my life?”
Invest smarter with Webull’s Dynamic Regular Savings Plan (RSP) — the first and only solution of its kind in Singapore.
Designed to automate your investment journey in a smarter way, Dynamic RSP helps you invest more when prices are lower and less when prices are higher, taking the guesswork out of building long-term wealth.
Plus, enjoy zero fee investing for US stocks and ETFs with Webull. No platform fees, no commissions. Open an account now: https://www.webull.com.sg/k/thefinancialcoconut
Disclaimer:
This video contains paid advertising by Webull Securities (Singapore) Pte. Ltd.
("Webull"). The views and opinions expressed are those of the speaker and do not
necessarily represent the views of Webull. No content should be construed as
investment advice or recommendation, or an offer or solicitation, to deal in any
investment product. All investments involve risk and may not be suitable for
every investor. This advertisement has not been reviewed by the Monetary
Authority of Singapore.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Wed, 22 Jul 2026 - 1h 05min - 828 - Globally Diversified Funds Are Too Concentrated For The New World [Chills 275, Sponsored by Amundi]
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, Amundi Investment Institute, to unpack what comes next. The hot take from one of Europe's largest asset managers: the next leg of AI won't be electrical engineering in Silicon Valley - it'll be the physical world. Drones cleaning skyscrapers. Robots in factories. Mechanical engineering. The countries good at this aren't the ones already trading at 90x sales. This conversation from the Amundi World Investment Forum in Paris pushes investors to rethink what diversification actually means today. For Singapore investors, the big question is simple: are you actively choosing your exposure, or are you just accepting the default? hear about the Nokia lesson, the US-China fragmentation reality, and how a Singapore investor should actually build three diversification blocks. Geopolitics, central banks, ETFs. Learn more about Amundi: https://about.amundi.com/
Disclaimer :
This publication is a paid collaboration between The Financial Coconut (Company
Registration No. 202012201Z) and Amundi Asset Management, Société par Actions
Simplifiée - SAS with capital of €1,143,615,555 - Approved portfolio management company
by the AMF no. GP04000036 – Registered office: 91-93 boulevard Pasteur, 75015 Paris,
France - 437 574 452RCS Paris. This publication is published in Singapore by The Financial
Coconut and Amundi Singapore Limited (Company Registration No. 198900774E). Amundi
Singapore Limited is licensed and regulated by the Monetary Authority of Singapore.
This publication is for information purposes only, is not a recommendation, financial analysis
or an investment advice and does not constitute a solicitation, invitation or offer to purchase
or sell any product. The information contained in this publication is intended for general
circulation without taking into account the specific investment objectives, financial situation
or particular needs of any particular person.
The information contained in this publication is as at 12 June 2026 except where otherwise
stated. The information contained in this publication has been obtained from sources
believed to be reliable but has not been independently verified, although Amundi and its
affiliated companies (collectively “Amundi”) believe it to be fair and not misleading. Opinions
expressed in this publication are subject to change without notice. Amundi does not accept
liability whatsoever whether direct or indirect that may arise from the use of information
contained in this publication.
Past performance and any forecasts made are not necessarily indicative of the future
results. Any forecast, projection or target is indicative only and is not guaranteed in any
way. All investments involve risks and the amount received from such investments may be
less than the original invested amount.
This publication is solely for issue in permitted jurisdictions and to persons who may receive
it without breaching applicable legal or regulatory requirements. The information contained in
this publication shall not, without prior written approval of Amundi Singapore Limited, be
copied, reproduced, modified, or distributed, to any third person or entity in any country.
This publication is not for distribution and does not constitute an offer to sell or the
solicitation of any offer to buy any securities or services in the United States or in any of its
territories or possessions subject to its jurisdiction to or for the benefit of any U.S. Person (as
this term is defined in SEC Regulation S under the U.S. Securities Act of 1933).
This advertisement or publication has not been reviewed by the Monetary Authority of
Singapore.
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Wed, 15 Jul 2026 - 36min - 827 - Wise & Shine Returns With A New Gen Z Voice
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 door for a Gen Z co-host who can speak honestly about what work feels like today.
We are looking for someone who is curious, articulate, opinionated, and passionate about career conversations. Whether it is layoffs, office culture, bosses, burnout, first jobs, AI disruption, or the future of work, we want someone who can bring lived experience into the discussion.
This is not about having all the answers. It is about being willing to ask better questions.
Interested? Send us a 2 to 3 minute recording and show us why your voice belongs on Wise and Shine.
Click the link below:
https://docs.google.com/forms/d/e/1FAIpQLScLl23dMBtX8m5oxq2cmyPjfHrLoyePKoWv5GU9yZvecj7NFQ/viewform
#TheFinancialCoconut #Wise&Shine #CoHost
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Sun, 12 Jul 2026 - 8min - 826 - Can SGX consistently be a great investment market? [Chills 274 ft Louis Chua & Jamus Lim]
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, and whether stronger local capital support could help create a healthier market.
Singapore has built itself into a trusted global financial centre. But when younger investors think about equities today, many look first to the United States, not Singapore. So the question is not just whether the local market can recover, but what must change for investors to believe in it again.
Should Temasek play a bigger role? Should CPF investment frameworks include more Singapore exposure? Can better disclosure rebuild confidence?
Watch the full conversation and tell us: would you invest more in Singapore stocks if the market became more active?
#TheFinancialCoconut #ChillsWithTFC #SingaporeStocks
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Wed, 08 Jul 2026 - 47min - 825 - Where can you live better? Paris vs Singapore [Chills 273, Sponsored by WeBull]
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 lifestyle where money is not always the only scoreboard.
This conversation goes beyond the usual “Paris is romantic” fantasy. It looks at what life actually feels like when you compare salary, stress, family life, medical anxiety, work-life balance, and the cost of simply existing in two very different systems.
Maybe the bigger question is not “Where can I earn more?”
Maybe it is: “Where can I live better?”
Would you trade a higher salary for a better quality of life?
Invest smarter with Webull’s Dynamic Regular Savings Plan (RSP) — the first and only solution of its kind in Singapore.
Designed to automate your investment journey in a smarter way, Dynamic RSP helps you invest more when prices are lower and less when prices are higher, taking the guesswork out of building long-term wealth.
Plus, enjoy zero fee investing for US stocks and ETFs with Webull. No platform fees, no commissions. Open an account now: https://www.webull.com.sg/k/thefinancialcoconut
The sponsored part by Webull Singapore is only from 00:41 - 1:11, 26:17 - 28:15 and 55:31 - 56:00.
Question Timestamps;
00:41 - Pre roll
03:51 - Can you share how your journey began when you first moved here?
09:35 - How does life here compare with life back in Singapore?
16:29 - What should parents know about public and private schools there?
18:48 - What aspects of life in Paris might surprise Singaporeans?
21:55 - Can you explain the subsidies, scholarships, and support available?
26:17 - Mid roll
28:54 - How are living costs, taxes, and finances structured there?
36:06 - What healthcare and welfare support is available there?
43:26 - How do salaries, income taxes, and take-home pay compare there?
52:20 - How different was Paris life from what you expected?
55:31 - Post roll
Disclaimer:
All investments involve risk and may not be suitable for every investor. This advertisement has not been reviewed by the Monetary Authority of Singapore.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 01 Jul 2026 - 55min - 824 - Can Feng Shui Help You Engineer Wealth? [Chills 272, Sponsored by Imperial Harvest]
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, AI, decision-making, and whether people can shift their outcomes when they feel stuck.
We discuss why some people seem talented but still face repeated roadblocks, whether AI can replace traditional metaphysics readings, why “wealth stars” may be misunderstood, and how tools like Ba Zi and Qi Men are used by some people to think through career, business, and life decisions.
Whether you are a believer, skeptic, or just curious, this conversation is less about blind belief - and more about asking: how much of success is hard work, how much is timing, and how much can we actually influence?
Would you ever consult a feng shui master before making a major life or money decision?
If this conversation made you think about your own patterns, timing, or “wealth ceiling,” you can explore Imperial Harvest’s work and resources here: https://imperialharvest.com/
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Wed, 24 Jun 2026 - 50min - 823 - The Jobless Club: How They Are Building Their Way Out of Corporate Rat Race [Chills 271 ft Jobless Club]
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 one. They've already turned a knife sharpening side hustle into S$16K in revenue, killed off projects that didn't pay (a Be Real-style Telegram bot, an NUS matching tool), and built a quarterly framework that splits real work from real fun.
Reggie sits down with two of the three to break down their playbook: how they pick projects, when they kill them, why they meet weekly, and what "jobless" actually means when you're working harder than ever.
If you've ever fantasised about quitting your day job — this is what disciplined escape looks like.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 17 Jun 2026 - 44min - 822 - Climbing Out of Poverty in Singapore (And Why So Few Actually Do) [Chills 270]
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 buy a Canva subscription so she could cold-call companies and hustle freelance design gigs.
Today? She works at a global bank. She's part of the middle class. And she's running another race.
Reggie sits with Syainda to unpack what "exiting poverty" actually looks like, the elusive ladder of government support, the role of charities like Babes, lifestyle creep after the climb, lifelong financial blindspots from growing up poor, and the strange mix of delusion and practicality it takes to believe you can break out when nothing around you suggests it's possible.
This is the real, unfiltered version of social mobility. Listen to the whole thing.
#ExitingPoverty #SocialMobility #Singapore #SingleMum #TheFinancialCoconut
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Wed, 10 Jun 2026 - 47min - 821 - Building a Fast Growing Character IP in Singapore! Here are the potholes [TBS 58 ft VICPA]
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, why contracts matter, what creators should look out for before signing agreements, how IP ownership works, when trademark registration becomes important, and how AI may affect copyright protection.
Because once your creative work starts making money, you are not “just doing passion” anymore.
You are building a business.
And businesses need protection, paperwork, and proper recourse when things go wrong.
This conversation is for creators, freelancers, designers, performers, IP owners, and anyone building something from scratch.
Featuring:
Reggie Koh - Founder, The Financial CoconutChanel Lee - Creator & Founder, Tasty ToastysPin-Ping Oh - IP Lawyer, Bird & BirdLaura Kee - VICPA (Visual, Audio, Creative Content Professionals Association) SingaporeSubscribe for more conversations on business, money, work, and building better lives.
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Tue, 09 Jun 2026 - 41min - 820 - The Truth About the Asian Middle Class Life (And Why It Looks So Different Here) [Chills 269]
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: cheap drivers and lower living costs back home vs reliable healthcare, public transport, and shorter commutes here. They dig into the unspoken comparison Tetris with neighbours and church friends, the kids in tuition until 11pm, and what "middle class comfort" actually looks like in 2026 Singapore.
If you've ever felt the grind and wondered if it's worth it, this one's for you. Drop your home country's version of middle class in the comments.
#TheFinancialCoconut #ChillswithTFC #MiddleClass #ASEAN #SingaporeLife
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Wed, 03 Jun 2026 - 45min - 819 - Unemployment Maxxing: These Gen Zs Hitchhiked Their Way From Sg to Krabi [Chills 268]
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 pressure of seeing your peers get married and buy BTOs while you’re volunteering on a potato farm, and whether 'brand name' internships actually matter when the world is falling apart.
Unpack:
How do you actually hitchhike across borders in 2024?Is taking a year off a brilliant move or a career suicide?Dealing with the 'FOMO' of seeing friends move on with 'adult' life.The Scholarship loopholeWhy one of them is finally looking for a job while the other is still chasing the next adventure.If you’ve ever felt like quitting your job to go see the world, this is the reality check (and the inspiration) you need.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Wed, 27 May 2026 - 46min - 818 - The Perpetual UNEASE felt by Singaporeans with Money explained [Chills 267 ft Teo You Yenn]
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.
Introducing our guest: Teo You Yenn
A sociologist, Associate Professor at NTU, and Director of the Centre for the Study of Social Inequality. You Yenn has a unique gift for taking heavy academic research and turning it into stories that resonate with every Singaporean, from the low-income to the high-flying professional.
In this episode, we explore:
Why her old book shot back to the top of the charts the moment her new one was announced.Beyond Poverty: Why her latest research shifted from studying "them" (the low-income) to studying "us" (the middle and upper class).The Concept of "Unease": We’ve all felt that nagging anxiety about our finances and our future, even when the numbers say we’re "fine." You Yenn explains the systemic reason why this feeling is collective, not just personal.Why she chooses to "chase the thing down" and bring academic research out of the ivory tower and into the public square.The Shared Struggle: How inequality isn't just a problem for a small group, it’s a system we are all entangled in, and it’s affecting our mental health more than we realise."I thought I was an outsider looking in... until I read this. Then I realised, I’m right in the middle of it."
Tune in to find out why you feel the way you do about your life in Singapore.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Hosted on Acast. See acast.com/privacy for more information.
Wed, 20 May 2026 - 54min - 817 - Beating Giants With No Money. The Challenger Brand Playbook [TBS 57, In Collaboration With UOB Finlab]
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 influencers to post-purchase loyalty, this episode covers the full picture.
Meet the Guests
Laura Kantor Hero Marketing, Southeast Asia, Canva - Building community without a single paid ambassador, and why Canva's growth engine isn't ads, it's people.Vanessa Tan CMO, STRYV - From launching POCO phone at Xiaomi Indonesia to competing with Dyson and Philips, lessons in brand-building for challenger brands.Don Siah Founder, Diamond Ateliers - From random Instagram videos to a flagship store on Orchard Road, how radical trust-building converts high-ticket buyersKey Takeaways:
The 3 things buyers always look for before they pull the trigger (it's not more information)The trust formula for big-ticket purchasesWhy nano influencers (under 5,000 followers) can outperform celebrity endorsementsThe difference between content that attracts and content that converts, and why you need bothFounder-led content: why putting your face on the brand is your biggest unfair advantageHow to extend customer lifetime value even for products people only buy onceWhether you're running a small business, scaling a startup, or trying to compete against the giants, this episode is packed with real, battle-tested strategies you can steal today.
If you're still marketing like it's 2015, this episode will change everything.
Enjoyed this episode? Leave us a review
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Hosted on Acast. See acast.com/privacy for more information.
Tue, 19 May 2026 - 42min - 816 - How a 26-Year-Old Freelancer Bought a $1M Condo at 26 [Chills 266 ft Chris Chross]
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 playbook: why she went condo over HDB (singles can't BTO), how she saved and earned $20K in 10 weeks for the down payment, the mortgage haircut every non-9-to-5 worker needs to know about, and why she still doesn't feel rich.
Reggie sits her down to unpack the strategy, the sacrifices, and the parts the algorithm doesn't show - from bank loan SOPs to family dynamics to what she'd actually do differently.
If you're a single millennial wondering what your real options are, this is required watching.
Follow Chris for more of her journey: https://www.instagram.com/chrissiechrossie/
https://youtube.com/@chrissiechrossie?si=JVzv8TVJhhneL35F
#TFC #ChillsWithTFC #Singapore #PropertyJourney #MillennialMoney
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
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Hosted on Acast. See acast.com/privacy for more information.
Wed, 13 May 2026 - 51min - 815 - She Moved to Vietnam With 2 Cats, Now She Runs One of Hanoi’s Best Bakeries [Chills 265 ft Sheereen]
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 cookie experiment at home eventually became the bakery’s signature product and helped build a loyal following.
This episode explores what it really takes to build a business overseas, and how stepping outside Singapore can completely reshape your perspective on life, work, and success.
👍 If you enjoy stories of entrepreneurship, travel, and building a life outside your comfort zone, subscribe for more conversations like this.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Hosted on Acast. See acast.com/privacy for more information.
Wed, 06 May 2026 - 44min - 814 - Why Malaysia is the Next Big Thing in Franchising [TBS 56, Sponsored by MFA]
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 officially the longest-running franchise event in the region.
We're talking 150+ companies, 250+ exhibitors, and a 70/30 local-international mix.
From homegrown icons like Marrybrown (45 years strong), Manhattan Fish Market, US Pizza, Global Art and Smart Readers, to the National Franchise Policy 2030 with its five strategic pillars, this is a masterclass in how a country systematically scales SMEs into global brands.
If you've ever wondered whether franchising is a smart, lower-risk way to start a business, this conversation is your starter pack. Watch now.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
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Hosted on Acast. See acast.com/privacy for more information.
Tue, 05 May 2026 - 19min - 813 - War, AI, Singapore's Professionals are anxious, so what's the plan? [Chills 264 ft Ministry of Manpower]
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) & Manpower (MOM), and Mayor of South East District)
What you’ll hear:
Singapore’s “job shortage” vs. skills mismatchHow MOM investigates unfair hiring practices and foreign talent quotasWhy SMEs are struggling despite rising costs and stagnant revenueThe real effectiveness of upskilling, Place-and-Train, and grit programsWhat the government is doing to protect local wages in a volatile global economy---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
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Hosted on Acast. See acast.com/privacy for more information.
Wed, 29 Apr 2026 - 1h 03min - 812 - Chubby FIRE at 50! Travelling 120 Days a Year! [Chills 263]
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 financial runway to prove it works.
But here's what makes this conversation different: they're not selling you a formula. Nicole spent decades in banking, watched every major financial crisis unfold, and used that fear to build something bulletproof. Ed? He wrote poems about his job, and then one day decided it wasn't worth it anymore.
We dig into:
How they set their retirement target in the 1990s with zero internet and no Google - and why the number they picked still holds up todayTheir 50/35/15 portfolio split - and why they don't think you need to be a stock-picker to winThe "UAT" approach to retirement - how they tested living abroad in Bangkok and Japan before committing to the lifestyleWhy they don't believe in retiring too early - and the age bracket they think is the sweet spotPost-retirement identity, purpose, and what actually keeps you fulfilled when the title and the payslip are goneThis isn't a story about being lucky or childless or rich. It's about making decisions consistently over 20 years, and what that actually buys you.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Hosted on Acast. See acast.com/privacy for more information.
Wed, 22 Apr 2026 - 47min - 811 - We Challenged a CEO Before His IPO… Here’s What Happened [Chills 262, Sponsored by Kin Global]
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 Document dated 14 April 2026 registered by the SGX-ST, acting on behalf of the Monetary Authority of Singapore. You are responsible for your own investment choices. A copy of the Offer Document is available on the SGX-ST’s website,https://www.sgx.com. Copies of the Offer Document and the Application Forms may also be obtained on request, subject to availability during office hours, from SAC Capital Private Limited at1 Robinson Road, #21-01 AIA Tower, Singapore 048542. Please refer also to the disclaimers at00:00 - 00:04of the video for more information.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
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Hosted on Acast. See acast.com/privacy for more information.
Wed, 15 Apr 2026 - 48min - 810 - My 'Boring' Uncle Portfolio Makes $200K a Year [Chills 260 ft Stocks.cafe]
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 creating a life funded largely by passive income, Evan shares pieces of a story that might challenge how you think about work, money, and freedom.
If you’ve ever wondered whether financial freedom is about earning more, investing smarter, or designing a completely different lifestyle… this episode might make you rethink the path.
🎧 Tune in to hear Evan’s full story, and the lessons hidden between the numbers.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Hosted on Acast. See acast.com/privacy for more information.
Wed, 08 Apr 2026 - 35min - 809 - The Art & Science Behind Building Diversified Portfolios [Chills 260]
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 science behind investing and why long-term strategies often beat trying to outguess the market.
Wei Dai leads a global research team studying how markets behave and how academic insights translate into real investment portfolios. In this conversation, she explains why disciplined, research-driven investing may matter more than reacting to headlines.
We discuss:
Why market prices already contain more information than most investors realiseThe difference between active investing, passive investing, and systematic investingThe real drivers of long-term stock returns: size, value, and profitabilityHow professionals avoid value traps and falling knivesWhether geopolitics and oil prices should affect your portfolioThe truth about global diversification (and why many investors aren’t truly diversified)Why predicting markets is far harder than people thinkWhether you're a beginner investor or someone building a long-term portfolio, this conversation offers a deeper look into how markets work and how disciplined investors navigate uncertainty.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Learn about our events
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Hosted on Acast. See acast.com/privacy for more information.
Wed, 01 Apr 2026 - 49min - 808 - New Format Coming Soon, Follow our New Feed
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 reflects on what it really takes to build something meaningful.
Expect honest reflections, behind-the-scenes moments, and a few unfiltered thoughts about entrepreneurship.
🔔 What’s Next
The TFC Business Show isn’t ending—it’s evolving into something new.
Make sure to follow the show so you don’t miss the next chapter.
If you enjoy conversations about business, founders, and entrepreneurship, like the video and subscribe for more.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
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Hosted on Acast. See acast.com/privacy for more information.
Tue, 31 Mar 2026 - 46min - 807 - Our Last Wise & Shine Episode
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 world of work, Wise and Shine has explored the realities that professionals face today.
But the world of work is changing faster than ever.
Hear from our host and co-hosts:
Reggie – Founder of The Financial CoconutDawn Cher – Author of Take Back Control of Your Money and SG Budget BabeAlex Loh – Next Coach helping professionals navigate career transitionsCheryl Lau – Producer behind the recent evolution of Wise & ShineSo what happens next?
💬 Question for you:
What was your favourite Wise & Shine episode or lesson?
Let us know in the comments.
If you’d like the show to return in a new format, tell us what topics you want us to cover next.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Sun, 29 Mar 2026 - 49min - 806 - ‘Love Is Not Enough’ Why Couples Must Talk About Money [Chills 259, Sponsored by OCBC]
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 problems later.
Joining us are:
Vasu Menon, Managing Director, Investment Strategy, OCBC Bank - a wealth management veteran who brought his expertise home to his own marriageWong Kai Yun, Senior Partner, Dentons Rodyk - a family lawyer specialising in structuring instead of just disputesChen Shao Chun, Founder, 9 to 5 Millionaire Mindset - a personal finance advocate focused on helping working professionals build wealth through investing, financial literacy, and long-term financial planningWhat you’ll hear in this episode
The money talk couples avoidMarriage as a financial partnership, from shared goals to aligning risk appetite and spending habits.Budgets, spreadsheets & reality checksWhat to do when things go wrong - disputes, power of attorneyFrom insurance and investments to wills, LPAs, and protecting your family.Whether you're single, engaged, or married, this episode might change how you think about love and money.
🎧 Tune in to hear the stories, the lessons, and the conversations most couples never have, until it’s too late.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 25 Mar 2026 - 1h 09min - 805 - Meet The Technology That Can Keep Durians and More Truly Fresh All Year Round [TBS 54]
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 technology, AI-assisted freezing methods, and building a new kind of durian business.
From finding suppliers in Malaysia to launching the company in just three months, this episode dives deep into the entrepreneurial mindset behind spotting opportunities others overlook.
But the conversation goes far beyond durian.
We explore:
What investors really look for in startupsThe challenges of commercializing new technologyHow founders test product-market fitThe surprising customer segment that embraced this ideaAnd why Southeast Asia might be the next big growth story for entrepreneursIf you're a startup founder, SME owner, investor, or just curious about how businesses are built, this episode is packed with insights.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Hosted on Acast. See acast.com/privacy for more information.
Tue, 24 Mar 2026 - 45min - 804 - Should You Tell Your Boss About Your Mental Health Diagnosis? [W&S 161]
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 two experienced voices in mental health:
Sharon Teo - Psychotherapist and Educator, who works with individuals across diverse communities including athletes, military personnel, and youth.Dr Mian-Li Ong - Clinical Psychologist, who works with children and adults navigating ADHD, trauma, depression, and other mental health challenges.Together, they share insights from both clinical practice and real-world workplace experiences, helping us better understand the difficult decisions professionals face every day.
If you’ve ever wondered whether being open about mental health could impact your career, this is a conversation worth listening to.
🎧 Tune in to hear the full episode.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Hosted on Acast. See acast.com/privacy for more information.
Sun, 22 Mar 2026 - 31min - 803 - The New Scams Hitting Professionals (Most People Don’t See It Coming) [Chills 258]
🚨 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 professionals are prime scam targetsHow investment and government impersonation scams actually workThe powerful role of pressure and secrecy in scam tacticsHow AI and new technology could make scams even harder to detectIf you think it won’t happen to you, this conversation might change your mind.
🎧 Tune in to learn how modern scams really work — and how to stay one step ahead.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Hosted on Acast. See acast.com/privacy for more information.
Wed, 18 Mar 2026 - 50min - 802 - The Boring Business Of Vending Machines, Made Interesting Again [TBS 53]
☕ 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) and Jarran Ng (Co-Founder & COO) set out to build a smarter solution, combining automation, technology, and clever operations to make quality coffee more accessible.
In less than a year, they’ve deployed 20 machines across Singapore - but the journey to get there involved engineering challenges, manufacturing hurdles, and plenty of experimentation.
In this episode, we talk about:
🔹 Why good coffee is getting more expensive
🔹 The idea behind café-style coffee vending machines
🔹 How they went from concept to 20 machines in under a year
🔹 The technology powering their automated coffee system
🔹 Lessons from building a hardware + operations startup
🔹 The challenges of scaling a physical product business
🔹 What it takes to disrupt a traditional industry
If you’re an entrepreneur, SME owner, or startup builder, this episode is packed with insights about launching and scaling a real-world business.
🎧 Tune in to hear the full story behind Flow Coffee.
Guests:
Chang Wei Sheng, Founder & CEO, Flow CoffeeJarran Ng, Co-Founder & COO, Flow Coffee👍 Like this episode?
Subscribe to The Financial Coconuts Business Show for more conversations with founders, operators, and SME leaders.
#startup #entrepreneurship #coffee #vendingmachine #businesspodcast
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Hosted on Acast. See acast.com/privacy for more information.
Tue, 17 Mar 2026 - 41min - 801 - The Builder Traits That Make Mid-Career Professionals Irreplaceable [W&S 160]
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 themselves as entrepreneurs.
So what actually creates a builder mindset?
Is it something you're born with… or something that can be developed through experience?
In this conversation, we explore how curiosity, experimentation, and even failure can spark the mindset that turns employees into builders and thinkers who act like founders.
But the real question is: Are our schools and workplaces truly creating space for this mindset to grow?
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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⚠️ Disclaimer:
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Hosted on Acast. See acast.com/privacy for more information.
Sun, 15 Mar 2026 - 42min - 800 - Financial Mistakes Homeowners Make When Designing Their Dream Home [Chills 257, Sponsored by Commune]
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 only learn the hard way.
Here’s what we explore:
Why renovation planning should start months before key collectionThe biggest hidden costs that catch first-time homeowners off guardWhy furniture should NOT be an afterthoughtThe mistake almost everyone makes when choosing paint and tilesWhen to splurge… and where you can safely saveThe mindset shift that can save your relationship (and your budget)And joining us on this renovation reality check:
Jasper Goh, Creative Partner at Ascend Design, sharing what designers wish homeowners understood before work beginsNatasha Conceicao, content creator and recent homeowner, who documented her entire renovation journey, brutalist vibes and allShee Wen Gan, COO of Commune, offering an insider’s take on furniture strategy, material quality, and what most buyers overlookIf you’re planning your first renovation, or still recovering from one, this conversation might just change how you approach your home.
Because renovation isn’t just about aesthetics.
It’s about lifestyle, longevity… and making decisions you won’t regret five years later.
Tune in before you pick up that paint swatch.
Check out how Commune can help you design your dream home.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Hosted on Acast. See acast.com/privacy for more information.
Wed, 11 Mar 2026 - 1h 02min - 799 - The Business of Keeping Things Fresh in the Philippines [TBS 52]
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 opportunityThe surprising gap in the “invisible road” your food travels before it reaches youHow a 40% energy efficiency breakthrough sparked something much biggerThe pivot that changed everything, from selling cold rooms to renting them by the boxWhy small businesses were willing to pay before the product even landedThe harsh lessons of trying to sell to big corporations, and why it nearly didn’t workWhy the Philippines, not Singapore, became the launchpadAnd joining us are:
Jonathan Harvey, a food industry veteran who’s spent over 15 years across Southeast Asia uncovering gaps in the region’s cold chain infrastructureJoe Khoo, a former early-stage tech employee with a six-figure exit, who pivoted from VR hardware and sustainability projects into building energy-efficient, self-serve cold hubsTogether, they’re building something deceptively simple, but potentially game-changing for SMEs, food security, and climate tech.
It’s scrappy.
It’s technical.
It’s capital-heavy.
And it almost didn’t work.
If you’ve ever wondered how real founders navigate pivots, funding trade-offs, family responsibilities, and finding product-market fit in an unsexy industry, this episode is for you.
Tune in.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Hosted on Acast. See acast.com/privacy for more information.
Tue, 10 Mar 2026 - 47min - 798 - 5 Things No One Ever Taught You About Getting Ahead at Work [W&S 159]
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 one” can quietly stall your careerThe hidden reason younger colleagues seem more visible and what you can learn from itHow AI is changing what “valuable” looks like at workWhy being respected doesn’t automatically mean you’ll be sponsoredWhat’s really happening in meetings before decisions are madeOur expert guests:
Debbie Yong, Founder of Atypical Media, a former journalist who now helps professionals craft powerful narratives that get noticedJoe Escobedo, CEO of Escomedia, an AI educator and leadership advisor who works with executives on future-ready skillsTogether, they reveal the subtle signals leaders actually look for and how to build visibility in a way that feels authentic, strategic, and sustainable.
If you’ve ever wondered why great work doesn’t always speak for itself… this episode might change how you approach your entire career.
🎧 Tune in — your next opportunity might depend on it.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Hosted on Acast. See acast.com/privacy for more information.
Sun, 08 Mar 2026 - 36min - 797 - How to Budget for Kids: Parents Share What Works [Chills 255, Sponsored by OCBC]
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 to decide who wins.
Inside this episode, we explore:
Smart (and surprising) takes on kids’ enrichment classes, what’s worth paying for, and what might not beCreative ways parents are teaching children about money, value, and responsibilityHow families are rethinking travel with kids, and why the most memorable trips might not be the most expensiveThe constant balancing act between giving kids opportunities… and not blowing the budgetMeet our guest parents in the hot seat:
Seraphina Genesis - Family content creator and mom who runs her household with a business mindset, teaching kids early about earning, saving, and spendingLalitha Rajah - Former lawyer turned yoga teacher and mom of two, sharing heartfelt and practical lessons on creativity, confidence, and spending with intentionDavid Wu - Financial Coach and minimalist dad, bringing thoughtful strategies on raising financially aware kids without overcomplicating thingsDifferent parenting styles. Different money philosophies. One stage.
Who will win the Budget Royale? And which tips might completely change how you think about spending on your kids?
Tune in to find out.
Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 04 Mar 2026 - 36min - 796 - You Must Watch This Before Starting An Agency [TBS 51]
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 scratch during his National Service days and built a thriving agency.The real challenges behind starting an agency (hint: it’s not just about getting clients!)What happens when you sell your business and regret it? Marcus shares his post-acquisition story and how he took back control of his agency.The secret sauce of growing and maintaining a successful agencyAnd how Brew Interactive managed to stay afloat and grow through challenging times, including using unconventional methods like referral marketing.If you’ve ever thought about jumping into the marketing world or running your own agency, you won’t want to miss this episode. Tune in to get a behind-the-scenes look at what it really takes!
🎧 Listen now!
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Tue, 03 Mar 2026 - 47min - 795 - How to Get People to Actually Listen to You at Work [W&S 158 ft Radio Host from MoneyFM 89.3]
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 “sounding polished” can still make people tune you outThe subtle communication mistakes that quietly kill your credibilityA simple structure that makes people listen from your very first sentenceHow to hold attention in meetings, presentations, and high-stakes conversationsThe surprising link between executive presence and how you frame your messagePractical ways to recover when you’ve already lost the roomAnd joining us is communication expert Glenn van Zutphen, a media trainer, executive coach, and longtime radio host on MoneyFM 893, who’s spent decades helping leaders, founders, and professionals become the kind of speakers people actually remember.
If you want your ideas to stop being ignored and start making an impact, you’ll want to hear this conversation.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Sun, 01 Mar 2026 - 36min - 794 - Can this CPF Update Finally Resolve Financial Anxiety of the Middle Class? [Chills 255, SG Budget 2026 Debate ft Anthea Ong]
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 pressures of achieving “financial freedom”.Dr Kalpana Vignehsa: Institute of Policy Studies, Senior research fellow at NUS, unpacking why Singapore's youth are increasingly anxious and the consequences for family and relationships.Anthea Ong: Former MP and corporate leader, blending her experience to explore how public and private sector insights can reshape policies for a more inclusive society.We discuss:
Why professional anxiety is affecting decisions around retirement, relationships, and family planning.The policy shifts in the latest budget, do they address our growing wellbeing crisis?Why mental health and wealth inequality should be front and center in national conversations.Don’t miss out! Tune in to hear from these passionate experts who will challenge your views on economic growth, security, and the real cost of living.
🔊 Listen now to the full conversation!
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 25 Feb 2026 - 1h 01min - 793 - How To Get More Youths To Start Their Own Business Today? [TBS 50, SG Budget 2026 Debate]
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, andEugene Chia, COO & Co-Founder of EcovoltHere’s what you can expect:
The challenges facing youth in the current job market, including the struggles post-graduation and the gap between academic preparation and job readiness.How AI is transforming the entrepreneurial space and making entrepreneurship more accessible.The vital role of mentorship and networking in navigating the entrepreneurial journey.Insights on the growth mindset and its importance in future-proofing careers, whether you’re working in a corporate job or building your own business.Don't miss this thought-provoking conversation that highlights how the current #budget2026 could support youth-led startups and shape the future of work. Tune in for key takeaways and inspiration!
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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Tue, 24 Feb 2026 - 54min - 792 - What Budget 2026 Isn’t Saying About the Job Market [W&S 157, SG Budget 2026 Debate]
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. Pinchuan Ong: An assistant Prof at NUS Business School, offering a macro view of how AI is reshaping industries and careers.Somnath Kansabanik: Senior Leader in Energy Transition. A former full-time employee turned fractional career consultant, discussing the rise of the gig economy and its place in the current budget.What to Expect:
How AI is influencing jobs, from displacement concerns to upskilling opportunities.The reality behind layoffs, especially in tech and finance, and what industries are hiring.Key budget measures that could impact your future career, whether you're in a traditional role or shifting to a more flexible, fractional career.Don’t miss this thought-provoking conversation on the future of work! Tune in now!
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Sun, 22 Feb 2026 - 58min - 791 - SME Bosses Reacts To Singapore Budget 2026 #Budget2026
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 pressure of quotas, levies, and wage mandates, are three tools too many?When your best talent becomes your biggest compliance headacheAI: national strategy or survival strategy for small businesses?Why not every job can, or should, be replaced by automationThe uncomfortable truth about grants, sustainability, and over-dependenceInternational expansion: growth opportunity… or expensive distraction?Why going overseas without fixing your home ground could cost you more than you think🎙️ And joining us is a service-based entrepreneur who has piloted regional projects, navigated capability development firsthand, and is actively preparing for international expansion, sharing candid insights on what founders really need beyond just financial capital: social capital, ecosystem support, and even “dream capital.”
This isn’t a highlight reel. It’s the unfiltered reality of running a business in a fast-changing economy.
If you’re an SME owner, policymaker, founder, or just curious about where the economy is heading — you’ll want to tune in.
Because the real question isn’t whether change is coming.
It’s whether we’re ready for it.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Tue, 17 Feb 2026 - 1h 02min - 790 - TFC Reacts to Budget 2026: Are Singaporeans Better Off? #Budget2026
TFC Budget Debate Is Back… And This Year, It’s Personal
The 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 mean for your job, your family, your future, and yes… your CPF.
Meet the Panel
Reggie - Your “Chief Financial Cook” is back in the driver’s seat, promising one thing: No blind agreement. No polite nodding. Just real conversation.Anthony - The policy veteran who keeps coming back for one reason: this is the one debate that actually matters. Expect sharp takes on economic strategy and what’s really driving the nation’s direction.Adrian - The “usual culprit” who asks the uncomfortable questions. If there’s a stress test for government KPIs or AI ambitions, he’s bringing it.Iman - First time on the panel, but don’t underestimate her. She’s cutting through the spreadsheets to ask the bigger question: Is this the life we actually want?What We’re Unpacking
Is this a steady-as-we-go budget… or something more strategic?Are we engineering innovation, or just throwing money at VCs?Has Singapore quietly created a minimum wage without calling it one?Why do families still hesitate to have more children, even with subsidies?Are we talking about productivity… but ignoring how people actually want to live?And what happens when AI, immigration, and identity all collide?Plus:
Some jaw-dropping revenue numbers.
A ministry that slashed its operating budget by 75%.
And a CPF conversation you’re going to want to hear in full.
This isn’t just about dollars and cents.
It’s about risk.
It’s about trade-offs.
It’s about the kind of society we’re building — and whether we’re honest about it.
If you care about jobs, kids, housing, inequality, or simply where this country is headed next…
🎧 Don’t miss this episode of TFC Budget Debate.
Because the real debate doesn’t start with the speech.
It starts after.
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Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Sun, 15 Feb 2026 - 1h 08min - 789 - Investing in 2026: How These Finfluencers are Investing in 2026 [Chills 254]
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’ll hear:
Why one investor is quietly preparing for a possible AI reality checkWhere another sees undervalued opportunities outside the U.S. that most people are ignoringHow a dividend investor is building steady monthly income while others chase growthThe big mistake many investors made in past crashes and how to be ready next timeWhat “waiting for fat pitches” actually looks like in real lifeWhether 2026 is a year to be aggressive… or patientMeet our guest voices in this episode:
Dawn (SG Budget Babe) - Undervalued growth investor focused on buying strong companies at the right priceChristopher Ng (Founder, Tree of Prosperity) - Dividend investor living off portfolio cash flow and focused on stability over hypeContraTurtle - Concentrated growth investor who only moves when pessimism is high and conviction is higherDifferent styles. Different risk levels. Different outlooks.
Same goal: Making smarter decisions in an uncertain year.
If you’re wondering how to position your portfolio for 2026 — without blindly following the crowd — this is the conversation you don’t want to miss.
Tune in now and hear how real investors are thinking before the headlines catch up.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Wed, 11 Feb 2026 - 54min - 788 - Real, Battle-Tested Marketing Playbook [TBS 49, Sponsored by WorldFirst]
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 insteadThe $500 experiment that turned into an 8-figure exit (and the early mistake that nearly derailed it)How to stop doing “a bit of everything” and find the ONE channel that actually grows your businessThe hidden profit most SMEs ignore after a customer buysWhat AI can really do for your marketing right now… and where humans still winMarketplace vs your own website: are you stealing from yourself or unlocking new buyers?The tiny post-purchase detail that quietly turns customers into your best salespeopleMeet the Guests
Jake Tan, Founder of Ergotune (Marvable), who scaled a consumer brand from scratch and exited with an 8-figure dealMarcus Ho, Managing Director of Brew Interactive, a performance marketing agency founder with 17 years and 500+ clients under his belt, is obsessed with results, not awardsCaleb Khoo, AI startup CEO **(Saleshero.io),**helping businesses turn customers into communities (and communities into revenue)If you’re an SME owner, marketer, or founder tired of vague marketing advice, this episode delivers real-world lessons, honest mistakes, and strategies that actually move revenue.
Hit play. Your next growth idea might be hiding in this conversation.
Enjoy 5 FREE business payments at 50% FX off with WorldFirst:
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Tue, 10 Feb 2026 - 46min - 787 - Why the Luxury Industry Hires Differently: Creativity, Judgment & Taste [W&S 156]
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 years of experience in the luxury industry, where excellence, precision, and high standards aren’t optional… they’re the baseline
Together, they explore powerful ideas that might just change how you see your own potential:
Creativity isn’t just for “artistic” people; it might be hiding in how you solve problems every dayJudgment can be trained, and your past mistakes may be your greatest teachersTaste isn’t about being fancy; it’s about developing an “elevated preference” that sets your work apartWhy luxury brands obsess over details, and what professionals in any industry can learn from that mindsetHow to show creativity in interviews, even if you don’t work in a creative roleThe hidden skill most workplaces are missing, and how it affects confidence, decision-making, and growthIf you’ve ever thought, “I’m just not a creative person,” or wondered how some people just seem to “get it right” when others can’t explain why — this episode is for you.
Tune in to discover how creativity, judgment, and taste aren’t rare talents… but skills you can grow with the right mindset.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Hosted on Acast. See acast.com/privacy for more information.
Sun, 08 Feb 2026 - 30min - 786 - Empowering Kids to Thrive Financially In a Cashless World [Chills 253, Sponsored by OCBC]
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 parent is quietly asking:
How do we raise financially confident kids without fear, pressure, or getting it wrong?
Hear from
Qi Zhai-McCartney - investment professional turned psychotherapist & coach, and mom of four - sharing how psychology, mindset, and decision-making shape lifelong money habits.Don (Money Saving Daddy) - a dad who documented his parenting journey from day one, breaking down real-life, practical lessons on family budgeting, spending and values.Tan Siew Lee - Head of Group Wealth Management, OCBC, with 20+ years of experience, revealing what parents today actually struggle with and how banks are rethinking financial literacy for kids.Discover:
Why teaching kids “save, save, save” might backfire, and what to teach insteadThe #1 parenting mistake when using money-tracking tools (and how to avoid it)How to handle peer pressure when your child starts comparing brands, watches, and “who has more”What “kids’ currency” really means and why stickers may teach money better than moneyHow to guide kids with boundaries without turning money conversations into naggingWhy financial safety today includes something parents didn’t worry about before: scams, digital risks, and online trapsTune in for real stories, surprising insights, and practical takeaways without judgment and without fluff.
Disclaimer:The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 04 Feb 2026 - 50min - 785 - Ergotune: The Risks, Hustle and Timing Behind The Legendary Exit [TBS 48]
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 Ergotune and its rapid rise from a small startup to a multi-million-dollar company.How Jake and his co-founders made tough decisions, including selling the business for a life-changing exit.The struggles of balancing innovation with market competition and how they identified opportunities in the ergonomic chair space.Jake’s insights on moving from founder to investor, exploring new ventures, and betting on the next big trends.Hear about Jake’s candid reflections on startup life, success, and the importance of knowing when to pivot.
Whether you’re a budding entrepreneur or just curious about the behind-the-scenes of a successful startup, this episode is a must-listen!
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Tue, 03 Feb 2026 - 47min - 784 - The Career Advice HR Will Never Tell You: Build Skills Outside Your Job [W&S 155]
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 start feeling… temporary.
This episode’s guests:
Dawn - Author of Take Back Control of Your Money and host of Wise & Shine (but today, she’s in the hot seat sharing her personal journey)Roy Teo - A comms & marketing professional of 18 years who made a bold pivot into real estate advisory (and hasn’t looked back since)We unpack:
Why mid-career professionals are upskilling even when things seem “fine”The moment “job security” starts feeling like an illusionWhat corporate life teaches you… and what it never willThe uncomfortable truth about visibility, personal branding, and being seenThe mindset shift that makes skill-building possible (even when you’re exhausted)
This isn’t another “hustle harder” conversation.
It’s about optionality. It’s about resilience.
And it’s about building the kind of skills that no one can take away from you, no matter what the economy, tech, or workplace throws next.
Tune in and discover why the smartest professionals aren’t waiting until it’s too late.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Sun, 01 Feb 2026 - 33min - 783 - The Great Wealth Transfer: How To Do This Well [Chills 252, Sponsored by OCBC]
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 secure the future of your petsJoin our dynamic panel of experts who have first-hand experience navigating these waters:
Yip Hon Weng, Member of Parliament for Yio Chu Kang SMC, and father of five, shares insights on balancing family values and wealth transfer across generations.Ian Yim,Head of Premier Private Client and Premier Banking Asia at OCBC, gives us the lowdown on financial tools that make legacy planning practical, even for families that aren't ultra-wealthy.Hoon Shu Mei,Director of Private Client & Family Disputes at Drew & Napier, unpacks the legal intricacies of wills, trusts, and avoiding common pitfalls in family wealth planning.Hosted by Adrian Tan, Fractional CMO & HR‑tech marketing strategist, author, and podcaster.Whether you're looking to secure your family's future or simply understand the importance of planning ahead, this episode provides insights that will help you plan wisely, avoid pitfalls, and ensure a smooth transfer of wealth to the next generation.
Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 28 Jan 2026 - 47min - 782 - Do Loyalty Stamp Cards Still Work? We're Here To Find Out! [TBS 47 ft yuu Rewards Club]
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… a lot of what businesses believe about loyalty? Might be totally wrong.
Inside this episode, we unpack:
Why “buy 10 get 1 free” works for cafés… but can quietly kill other businessesThe concept of “borrowed loyalty” and how smaller brands can tap into bigger ecosystems to surviveWhy points, cashback, and miles aren’t equal (and which one is actually losing relevance)The hidden math behind loyalty programs that most SMEs never calculateWhat really makes customers stick: emotional loyalty vs transactional value (and which one actually comes first)How AI and data are quietly reshaping the future of rewards, personalisation, and customer retentionThe surprising reason having MORE points can make customers less likely to leaveWhether you run a small business, work in marketing, or just love squeezing maximum value out of every dollar you spend, this episode will completely change how you see loyalty programs.
Because loyalty isn’t just about rewards anymore…
It’s about data, psychology, and who controls the relationship with the customer.
🎧 Tune in to hear how the game really works behind the scenes.
:
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Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Tue, 27 Jan 2026 - 46min - 781 - $5000/Month?! The True Cost of Raising a Child in Singapore [W&S 154, Sponsored by OCBC]
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 your emotional well-being. This isn't just about diapers and college funds, it's about the invisible cost of care and the guilt that comes with it.
Tune in to hear:
Eric Lim, Founder of Parendigm Movement, a seasoned author and coach with a 21-year-old, reveals the single most expensive stage of a child's education that blindsided him.Iman Ibrahim, a Divorce lawyer of 20 Years and single mom, spills the tea on the surprising healthcare cost that left her shocked and questioning the system.Howie Tan, Co-founder of Kintsugi Investing School, and father to a a 6 year old, navigates the early years and the "sandwich generation," shares the emotional cost of being present and the revenue he sacrifices to be a better father.Discover the one thing all three guests stopped spending money on the moment they became parents.Learn how to manage the inevitable parental guilt that comes with every financial decision.Don't miss this essential conversation on how to achieve financial wellness while navigating the ever-changing realities of family life.
Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Hosted on Acast. See acast.com/privacy for more information.
Sun, 25 Jan 2026 - 40min - 780 - From 6 Rooms to 10,000 Keys: Real Estate IPO Story [Chills 251, Sponsored by The Assembly Place]
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 Place's journey: from its inception to becoming a key player in the real estate sector.Scaling Up: How did The Assembly Place grow so fast? Eugene reveals the behind-the-scenes strategy and partnerships that made it happen.The Future of Co-Living: Is co-living just a trend or the future of urban living? Eugene explains why community-driven spaces are here to stay.IPO Insights: Why is The Assembly Place going public now, and what does it mean for future investors? Get the inside scoop on their IPO journey.Growth Strategy: Learn how Eugene plans to scale the company to 10,000 keys and expand further into new markets.Whether you're an investor, a real estate enthusiast, or just curious about the future of co-living, this episode is packed with insights you don’t want to miss!
Disclaimer: This podcast is for informational purposes only and is not an offer or solicitation to buy or subscribe for shares. Any decision to purchase shares should be made solely based on the information in the final Offer Document, which is available from SAC Capital Private Limited and on the SGX-ST Catalodge website. This contents of this podcast have not been reviewed by the Monetary Authority of Singapore.
This episode was recorded at Commune Singapore. https://thecommunelife.com/
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Hosted on Acast. See acast.com/privacy for more information.
Wed, 21 Jan 2026 - 1h 02min - 779 - The Startup Teaching Kids Robotics Using Chopsticks [TBS 46]
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 Stick’ Em - the startup that’s been making headlines for teaching kids to build robots using something you’d never expect: chopsticks.
But that’s only the start…
What you’ll hear
How Stick’ Em turned a simple, low-cost idea into a real robotics ecosystem schools are paying forThe behind-the-scenes truth about robotics competitions that most people only whisper aboutWhy going hardware-first is way harder than it looks (and why they still did it anyway)The moment they realised: “Okay… this isn’t just a fun kit. This could scale.”How they grew through schools talking to schools before doing any serious marketingWhat winning a major global competition actually changed (and what it didn’t)Tune in soon because the most interesting parts aren’t the headlines… it’s what happened before and after them.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
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Hosted on Acast. See acast.com/privacy for more information.
Tue, 20 Jan 2026 - 41min - 778 - The 100-Year Life: Is Your Retirement Plan Still Valid? [W&S 152, Sponsored by OCBC]
"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 longevity, exploring the financial, career, and personal implications of a life that stretches far beyond the conventional timeline.
You’ll hear from:
Sher-li Torrey, founder of Moms at Work, on navigating the caregiver years and reclaiming your life beyond them.Brandon Lee, Assistant Chief Executive of Workforce Singapore, on redesigning careers and embracing portfolio living in a 100-year lifespan.Pui Wah Loh, a “vintage” professional who retired at 61 and is now reshaping what it means to live with purpose in your third act.We dive into:
Why living longer means taking more risks—especially when you’re younger.How to balance time, health, and wealth across different life stages.The power of experimentation, failure, and self-reflection in crafting a meaningful longer life.Whether you’re in your 20s, navigating mid-life, or reimagining retirement, this conversation will challenge how you think about your future—and inspire you to design it with intention.
Don’t miss this eye-opening discussion.
Tune in now and start rethinking your extra 20 years.
Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Hosted on Acast. See acast.com/privacy for more information.
Sun, 18 Jan 2026 - 52min - 777 - Ex–Dollars & Sense Co-Founder Shares the Advice No One Wants [Chills 250 ft Dinesh Dayani]
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 common assumptions people make about wealth, investing, and lifestyle choices.
In this episode, we touch on:
Why traditional personal finance content is losing relevance and what’s taking its placeThe early investing mistake that changed how Dinesh views risk foreverWhy he gave up trying to outsmart the market (and what he does instead)A surprising lifestyle decision that goes against social norms - even as a parentThis isn’t a “get rich quick” conversation.
It’s an honest one about uncertainty, trade-offs, and redefining what financial success actually means.
🎧 Tune in to hear the full story and the thinking behind the choices.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 14 Jan 2026 - 33min - 776 - A Look Into The Business of Sustainable Dopamine Hits [TBS 45]
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 playbook
Our guest:
👉Christopher Shearmon, Managing Director of Wild Pearl Studio
A former corporate professional turned community builder, Christopher blends music, movement, and intentional experiences to create events that don’t look, or feel, like anything else in Singapore.
We explore:
Why some of the most meaningful “parties” happen without alcohol, at 6:30amHow music can be used to engineer better moods, stronger communities, and real connectionThe unexpected journey from a pandemic side project to a full-fledged creative businessWhy experimentation, intuition, and “unscalable” ideas might be a founder’s real edgeHow wellness, culture, and commerce collide in ways most businesses overlookThis isn’t just a story about events or nightlife.
It’s about rethinking fun, redesigning community, and building something real—by listening closely to how people actually want to live.
🎙️ Tune in for a conversation that might change how you think about music, business, and what it really means to bring people together.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Tue, 13 Jan 2026 - 45min - 775 - Workplace Harassment in Singapore: What’s Illegal - And What Isn’t [W&S 152]
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 harassment and bullying in the digital age.
We explore:
How workplace harassment has quietly shifted from physical spaces to online platformsThe blurry line between “lawful but awful” behaviour and illegal harassmentWhy so many victims stay silent — even when policies existWhat really happens when HR systems don’t feel safe or independentThe emotional and reputational toll of speaking up (or choosing not to)And most importantly — what options actually exist when walking away isn’t so simple.
🎧 Our Guest
Joining us is Simran Toor, Head of Regulatory & Investigations, Co-Head of Disputes, Tang Thomas, a legal expert and leading advocate in digital safety and workplace equity.
She is the former CEO of Singapore’s first online harms help centre and has led national efforts addressing harassment, gender equity, and access to justice. With years of experience supporting victims both legally and systemically, she brings a rare behind-the-scenes perspective on why harassment persists - and what truly needs to change.
This conversation is honest, practical, and deeply relevant for anyone navigating modern workplaces - whether you’re an employee, manager, or business owner.
👉 If you’ve ever wondered:
“Is this harassment… or am I overthinking it?”
This episode is for you.
🎙️ Tune in. Listen closely. And decide what you’d do differently next time.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Sun, 11 Jan 2026 - 36min - 774 - Childhood Shapes Our Money Habits, How To Do Better For Our Future? [Chills 249, Sponsored by OCBC]
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 do about money, and how that quietly shows up in our lives and our children’s lives.
In this episode, we explore:
How childhood experiences silently shape adult money habitsWhy growing up with “not enough” doesn’t always lead to savingThe emotional side of money: guilt, fear, control, and securityDigital money, kids, and why tapping a phone feels different from holding cashWhether parents need to “get it wrong” before they can teach it rightHow siblings raised in the same home can grow up with totally different money mindsetsMeet the guests joining the conversation:
Dr Annabelle Chow - A clinical psychologist who breaks down money trauma, family dynamics, and emotional triggers around spendingElaine Teh, Head of Deposits - A senior banking leader sharing how kids today are learning money in a fully digital world, and what parents often missEddie @LazyCabbie - A content creator and everyday parent who opens up about growing up poor, hitting rock bottom, and rebuilding his relationship with moneyPlus, a candid host, Adrian Tan, who admits this episode felt part podcast… part personal therapyThis episode is raw, reflective, and deeply relatable especially if you’ve ever:
Felt guilty spending on yourselfStruggled to save despite earning moreWondered how to teach your kids about money without passing on your fears👉 Tune in for a conversation that goes beyond dollars and cents — and into the habits, values, and emotional baggage we rarely talk about.
Sometimes, understanding money starts with understanding ourselves.
Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 07 Jan 2026 - 40min - 773 - When Family and Business Collide: A Difficult Succession Journey [TBS 44 ft Presto Drycleaners]
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 solutions.Viral Video Moment: Discover what happens when your business goes viral and how it impacts both the brand and family dynamics.Family Drama & Therapy: Get a behind-the-scenes look at the struggles and triumphs of working with family, and how therapy helped them navigate generational differences.The Cost of Change: From rebranding to evolving the business model, hear about the tough decisions and unexpected consequences of trying to modernize a 30-year-old brand.Lessons for Aspiring Entrepreneurs: Chan shares invaluable advice on leadership, managing family businesses, and finding your own path when the stakes are personal.You don’t want to miss this fascinating conversation that goes beyond just business—it’s about family, change, and resilience. Tune in now!
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Tue, 06 Jan 2026 - 40min - 772 - AI Can Do the Work — But It Can’t Do This [W&S 151]
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 & Recruitment Team Lead at Adecco, we explore the evolving definition of "skill"—from technical expertise to adaptability, innovation, and emotional intelligence.
What’s in store:
How AI is amplifying human roles and reshaping industries.Why adaptability and learning agility are now more valuable than ever.Insights on how traditional roles, like data analysts and UX designers, are evolving in the face of AI.Real-world examples of how AI is creating new opportunities and what that means for your career.Tune in for expert advice on how to stay ahead in an AI-powered future. Don’t miss out on these essential strategies for building skills that will make you irreplaceable!
Catch this episode and learn how to thrive in the age of AI! 🎧
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Sun, 04 Jan 2026 - 28min - 771 - Where Are The Opportunities In 2026 According To DBS [Chills 248, Sponsored by DBS CIO Insights Funds]
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 points we’ll explore:
The AI Boom:Is it a bubble or a structural shift? Find out how it’s changing the game for U.S. equities.Singapore's Rising Star: The surge in Singapore equities and why it’s capturing global attention.Dollar Parity: What does the future of the U.S. Dollar look like? How does this affect your investments?Investment Strategy: The importance of diversification and why it’s critical now more than ever.We break it all down and give actionable insights on how to safeguard and grow your wealth in these uncertain times. Don't miss out on expert advice that could shape your financial future.
Tune in now for a fun, candid, and insightful conversation—because understanding the markets should be just as engaging as it is important!
Listen now!
Grow Your Wealth with DBS at go.dbs.com/digibank_app
Alternatively, learn more on CIO Insights Funds atgo.dbs.com/cioinsightsfunds-04
View DBS disclaimers atgo.dbs.com/investmentdisclaimer
Disclaimer: The views and opinions expressed by the guests or content creators are their own and do not necessarily reflect the views of DBS Bank. This advertisement has not been reviewed by the Monetary Authority of Singapore. Deposits are protected up to specified limits by the Singapore Deposit Insurance Corporation (SDIC).
The content shared in this episode is for educational purposes only and should not be construed as financial advice. The information provided reflects the understanding at the time of recording and may not align with current market conditions or regulations. The opinions expressed by the guests are their own and may not represent those of The Financial Coconut. We encourage listeners to conduct their own research and seek professional advice before making any investment or financial decisions.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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Wed, 31 Dec 2025 - 35min - 770 - The Biggest TFC Budget Royale EVER! [Chills 247, Powered by Chocolate Finance]
The year’s ending… but we’re going out with a BANG
This 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 plans our guests have for a richer 2026, money and life-wise
And entering the arena…
Sha-En Yeo, the Happiness Scientist who’s here to remind you why tiny habits can save your sanityAlex Lee, Father from familee.sg, bringing dad-energy, dad-logic, and surprisingly sharp life hacksWalter de Oude, Founder ofChocolate Finance dropping tips so smooth they should come with a disclaimerWho wins each round?
Who gets roasted?
Who unexpectedly turns into the MVP?
You’ll have to tune in — because this episode moves
Fast. Funny. Festive. And totally unhinged in the best way.
Hit play. You’re not ready.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
📍 LISTEN & SUBSCRIBE
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⚠️Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Wed, 17 Dec 2025 - 30min - 769 - Building a Fashion Brand for your community. High Costs, Limited Scale: What Actually Works? [TBS 43]
What does it really take to build a fashion brand when you’re not designing for the mainstream?
We dive into a rarely discussed side of fashion retail…. serving minority and niche communities in Singapore and beyond. From functional fashion for modern mothers to heritage-driven design rooted in culture, our guests share the realities, risks, and quiet wins of building brands with purpose.
This isn’t about fast fashion or hype.
It’s about identity, sustainability, visibility, and survival in an industry where small brands fight to be seen.
If you’ve ever wondered:
Why some local brands struggle to scaleHow culture can be turned into everyday wearOr what it takes to future-proof fashion from Singapore…this is an episode you don’t want to miss.
🎧 Tune in to hear the stories behind the seams.
Highlights:
Why retailing to minority communities is both challenging and powerfulThe real struggle of building local fashion brands in a global marketHow heritage, sustainability, and functionality shape modern designThe role of physical retail vs digital platforms in brand growthWhat Singapore fashion needs to stand out on the international stageCan local brands one day scale through licensing or franchising?Meet the Guests
- Lily Hamid– Commercial Director, Singapore Fashion Council - Champions local designers through multi-label retail. Works closely with founders to bridge gaps in visibility and growth
- Gillian Shen – Founder & Designer, Olive Basics - Builds functional womenswear for modern mothers. Focuses on longevity, versatility, and real-life problem solving
- Aqilah Zailan – Founder & Designer, Studio Gypsied - Advocates heritage, slow fashion, and sustainability. Transforms traditional textiles into wearable, everyday pieces
Whether you’re a founder, creative, or conscious consumer, this conversation offers a rare behind-the-scenes look at fashion with meaning.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
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⚠️Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Tue, 16 Dec 2025 - 32min - 768 - Do You Still Need A Remisier In 2026? [W&S 150, Sponsored by OUE REIT]
Are traditional, old-school stockbrokers becoming popular again, even though we’re now in a world of TikTok and modern trading apps like Tiger Brokers?
Technology has changed how we trade, invest, and get financial advice… but what happens to the roles that existed long before apps and instant news alerts? And could these roles actually thrive again in a digital-first world?
To help us unpack this surprising shift, we’re joined by two guests who sit on both ends of the old-meets-new spectrum:
Our Guests
S Nallakaruppan (Nalla) — President of The Society of Remisiers, with 31 years of market experience, having lived through the Asian Financial Crisis, Dot-Com Crash, GFC, COVID, and more.Raymond Chin - Head of Agency at Tiger Brokers, leading the push for a new generation of investment reps trained for today’s digital landscape.Tune in to hear:
How a once-essential finance role almost disappeared — and why it might returnWhy younger investors don’t know this job exists… and why that could changeThe rise of “high-tech + high-touch” investing supportWhat a modern investment representative really does (it’s not what you think)The surprising traits that make someone good at this career todayWhether this profession could once again become one of the top earnersIf you’ve ever wondered whether there’s still a future in traditional finance careers, or you’re curious about a path that lets you be your own boss and live in the markets every day, this is one episode you don’t want to skip.
Catch the full conversation on Wise & Shine.
Learn more about our venue sponsor, OUE REIT, athttps://www.ouereit.com/
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
📍 LISTEN & SUBSCRIBE
SpotifyApple PodcastYouTube🔗 CONNECT WITH US
Get daily tips, insights, and community:
InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORK
Discover our other shows and deep dives on YouTube
⚠️Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Sun, 14 Dec 2025 - 44min - 767 - SDRs: The Easy Way to Invest in Global Stocks [Chills 246 ft SGX]
From buying bite-sized global stocks in Singapore dollars to navigating FX risks, SGX breaks it all down for us.
Meet Bernice Tan, VP of SGX,who gives us an insider’s look at how SDRs simplify overseas investing for local investors.
Highlight:
What exactly is an SDR? Think of it like a "mirror" to overseas stocks, offering you exposure to big names like Alibaba and SMIC, but with a local twist.We’ll talk about liquidity, risks, and the potential benefits of fractional investing that might be a game changer for your portfolio!Plus, find out what’s next for the SDR market, and how these products are transforming the way we invest.Don't miss out on this in-depth conversation about innovation, investment strategies, and the future of global access through local markets. Tune in now!
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
📍 LISTEN & SUBSCRIBE
SpotifyApple PodcastYouTube🔗 CONNECT WITH US
Get daily tips, insights, and community:
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Discover our other shows and deep dives on YouTube
⚠️Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Wed, 10 Dec 2025 - 32min - 766 - The New SME Playbook for 2026: Outsource, Digitalise, Go Regional [TBS 42, Sponsored by UOB]
Is your business ready for the future?
We dive into the 2025 UOB Business Outlook Studywith a powerhouse panel of experts.
Paul Kan, Country Head of UOB Business Banking Singapore, who sheds light on the financial landscape for SMEs and how businesses can adapt to thriveJoseph Soh, Founder of Xpressflower.com, offering his experience in scaling a retail business and the role of data and digitalisation in expanding regionallyDesmond Goh, Managing Director of NETS, who shares how digital payment solutions are reshaping business operations.You'll Discover:
How business sentiment has evolved in 2025 amid rising costs, talent shortages, and global uncertainty.Real-world strategies for scaling regionally and innovating under pressure.The latest in digitalisation and AI: what’s actually working for customer engagement, automation, and growth.Tips for managing costs, increasing productivity, and staying nimble in the face of rising competition.If you're an SME owner or entrepreneur, this conversation is a must-listen! Don’t miss out on the key takeaways that could define your next big move.
Watch now and discover how you can stay competitive, innovate, and grow your business.
And don’t forget to check out the full study in the link below!
UOB Business Outlook Study 2025 (Regional): Tariff pressures test optimism in ASEAN and Greater ChinaDisclaimer:The views and opinions expressed belong to the guest/content creator, and do not represent the views of UOB. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
🔗 CONNECT WITH US
Get daily tips, insights, and community:
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Discover our other shows and deep dives on YouTube
⚠️Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Tue, 09 Dec 2025 - 37min - 765 - Reinvent Your Career in 2026 (2 Inspiring Stories You Need to Hear) [W&S 149]
Are you in your 40s, 50s, or even 60s, and wondering how to stay relevant in your career?
Feeling stuck or facing new challenges that make you question your next move? You're not alone
Tackle mid-career reinvention with two incredible guests who share their personal stories of navigating change, facing redundancy, and continuously evolving in their fields.
What you'll learn:
How to pivot and reinvent yourself when you're already established in your career.The value of upskilling, networking, and staying visible, even when you’re balancing career and family.Real strategies for staying visible and valuable.Meet:
Shirley Ong – Senior banker and wealth management expert, who embraced a master's program to stay ahead in the ever-evolving financial landscape.Miki Kong – A pharmacist turned career reinvention expert, who thrived after navigating redundancy and industry restructuring.If you think you're too far along in your career to make a change—this one’s for you.
Don’t miss these actionable insights for your next career move. Tune in now!
Check out the episode where Loyalty may be the better strategy in today’s job climate:
YouTube: https://youtu.be/AraR0JQUb1sSpotify: https://linktw.in/UmoNLWApple podcast: https://linktw.in/xqAGMZ---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
🔗 CONNECT WITH US
Get daily tips, insights, and community:
InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORK
Discover our other shows and deep dives on YouTube
⚠️Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Sun, 07 Dec 2025 - 37min - 764 - FIREd by 31: How an Army Regular Built a $1M Portfolio and Walked Away [Chills 246]
What would make someone walk away from a stable army career and a five-figure monthly paycheck… all at just 31 years old?
Meet Mun Yuan of SunnySideSingapore, a former army regular who stunned everyone by leaving the force with a $1 million portfolio and a completely new life plan.
But why would someone leave a stable career with all the perks and benefits? And how on earth did he achieve financial freedom so early?
Here’s what you’ll get in this episode:
The unexpected reason he signed on with the army and the even bigger reason he chose to leave.How he quietly built a seven-figure portfolio before most people even settle into their careers.The highs, the mistakes, and the “oh no” moments that shaped his FIRE journey.Why financial freedom completely rewired how he sees work, risk, and purpose.It’s rare to hear someone speak this honestly about money, career pivots, and breaking out of a system most people stay in for life.
🔥 If you’ve ever wondered what it actually takes to redesign your life, this is the episode. Tune in now.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
📍 LISTEN & SUBSCRIBE
SpotifyApple PodcastYouTube🔗 CONNECT WITH US
Get daily tips, insights, and community:
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Discover our other shows and deep dives on YouTube
⚠️Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Wed, 03 Dec 2025 - 48min - 763 - Inside the Rise of PastaGo: Science & Corporate Culture [TBS 41]
We meet the guy who looked at Singapore’s brutal F&B scene and said…
“Yeah, sure. Let’s sell fresh pasta.”
Introducing Darren Tan, Co-founder & Brand Manager of PastaGo, the young entrepreneur who went from kneading dough in an abandoned kitchen during COVID to building one of the fastest-growing pasta brands around.
And trust us, nothing about this journey is “al dente.”
Think:
🔥 Opening-day chaos
🔥 The surprising science behind making pasta that survives delivery (AND picky customers)
🔥 The secret psychology behind portions, add-ons, and why you think you’re full
🔥 And why he refuses to offer discounts even on Day 1
This isn’t just a pasta story.
It’s a masterclass in product obsession, scrappy scaling, and breaking F&B “rules” one plate at a time.
🎧 Tune in to hear Darren’s full story — the risks, the realities, and the pasta revolution he’s trying to build.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
📍 LISTEN & SUBSCRIBE
SpotifyApple PodcastYouTube🔗 CONNECT WITH US
Get daily tips, insights, and community:
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Discover our other shows and deep dives on YouTube
⚠️Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Tue, 02 Dec 2025 - 38min - 762 - What Top Employers Really Look For in 2026 [W&S 148 ft Temasek]
Want to land your dream job at top-tier firms like Temasek? Here's what they are REALLY looking for.
Hear from Sherlyn Lim, Head of Organisation & People, Temasek,as she reveals the secret sauce to standing out in today’s competitive job market.
Learn:
What makes a candidate "future-ready"? Hint: It’s not just about skills, but adaptability and curiosity.How to ace your CV without a branded school or industry experience—it’s all about the stories you tell.AI’s impact on hiring: Is it making or breaking careers? Red flags and green lights: What job changes really say about you.If you're serious about leveling up your career, you won’t want to miss this one.
Tune in now!
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
📍 LISTEN & SUBSCRIBE
SpotifyApple PodcastYouTube🔗 CONNECT WITH US
Get daily tips, insights, and community:
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Discover our other shows and deep dives on YouTube
⚠️Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Sun, 30 Nov 2025 - 33min - 761 - Rising Medical Costs and Caregiving: What You Need to Know [Chills 244, Sponsored by OCBC]
Tackle some of the toughest challenges faced by caregivers and those planning for an uncertain future. From navigating the emotional weight of caring for loved ones, to the complexities of healthcare systems and managing financial stability, this discussion goes beyond the surface.
Guests in the Spotlight:
Dr Chong Poh Heng, MD, HCA Hospice ─ a leading figure in palliative care, brings a wealth of knowledge on the intricacies of end-of-life care, and the delicate balance of family dynamics during these times.Bertha Henson, Independent journalist ─ author and full-time caregiver, opens up about her personal journey caring for her mother with Parkinson’s, shedding light on the daily emotional and financial realities of caregiving.Timothy Liew, Head of Investments, OCBC ─ shares his expertise on how to plan financially for caregiving, the importance of insurance, and investment strategies to ensure your family's financial security amidst growing healthcare costs.You’ll Hear:
The emotional weight of caregiving, from burnout to breakthrough moments.Smart financial strategies for tackling the financial strain of healthcare, from insurance to investments, and how to avoid the traps that drain your savings.A critical look at Singapore's healthcare system,uncovering the gaps, the resources available, and what caregivers really need to know.Insights on what the future holds for our aging population, and why we all need to start thinking about it now.This is a raw, no-fluff conversation about the realities we’re all facing. Tune in for the facts, the struggles, and the action steps you can take today.
🎁 Join us on 29 & 30 November 2025 for The Price of Tomorrow: A Financial Wellness Festival.
Seats are Limited. Secure them here: https://ocbcpriceoftomorrow.peatix.com/
[The Price of Tomorrow, presented by OCBC, is held in conjunction with The Financial Coconut and RICE Media to take a holistic, human look at the role of money in our lives.]
⚠️Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
🔗 CONNECT WITH US
Get daily tips, insights, and community:
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Discover our other shows and deep dives on YouTube
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Wed, 26 Nov 2025 - 40min - 760 - How This Startup Built The Shopee of DNA Wellness [TBS 40 ft Connecting DNA]
Explore the world of startups, wellness, and genetic technology with Cedric Lee, the Founder, and Choo Ee Ting, as Chief Commercial Officer of Connecting DNA.
From corporate careers to entrepreneurship, they share their unique journey of launching a for-impact, for-profit business in the midst of a pandemic.
Here’s what you’ll hear:
The Power of DNA: How Connecting DNA uses genetics to unlock personalised wellness solutions.Leaving Corporate Life:Why they took the leap from successful careers to build a business during the pandemic.Global Ambitions:Plans to expand worldwide, starting with their first overseas office in Australia.B2B & B2C: How they’re partnering with wellness providers and reaching consumers with trust-based solutions.Tune in to get insights into the fast-moving world of health tech, the challenges of building a startup, and the mission that keeps them going! Be sure to subscribe so you don’t miss out on more episodes like this.
Join us for this fascinating conversation about blending science with entrepreneurship – don’t miss it!
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
📍 LISTEN & SUBSCRIBE
SpotifyApple PodcastYouTube🔗 CONNECT WITH US
Get daily tips, insights, and community:
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Discover our other shows and deep dives on YouTube
⚠️Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Tue, 25 Nov 2025 - 46min - 759 - How Gen Z Is Getting Hired in the Toughest Job Market Yet [W&S 147]
The job market today isn’t what it used to be, and if you’re a professional navigating it, you know it’s not just about grades or a prestigious degree anymore.
Hear from Ainul Md Razib, a cybersecurity engineer and community builder, and Pang Xin Yi, a marketing and events expert redefining her career path.
They share personal stories of how they landed their roles, what it took to break into their fields, and the lessons learned along the way, including:
How to use social media to stand out in today’s hyper-competitive market.Why networking isn’t just about sending resumes.The importance of being curious and always learning.The mental and emotional hurdles faced during the job search.Tune in to hear their journey and pick up insights that will help you tackle the toughest job market yet. Whether you're job hunting, navigating your first gig, or trying to figure out your next move, this episode is packed with practical advice and motivational stories you won't want to miss.
Join us for a candid conversation on navigating your career in today's competitive landscape!
---
🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.
Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut
📍 LISTEN & SUBSCRIBE
SpotifyApple PodcastYouTube🔗 CONNECT WITH US
Get daily tips, insights, and community:
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Discover our other shows and deep dives on YouTube
⚠️Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Learn about our events
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.
Sun, 23 Nov 2025 - 35min
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