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Chills with TFC
The Financial Coconut
140 episodes
1 week ago

Life is not always about learning from people that you already agree with. We believe perspectives shape a rounder thinker.


Join our guests and hosts who consist of seasoned investors, financial analysts, and experts in their field to share more on how you can be smarter with your money and make better financial decisions.


We also bring you entrepreneurs who will give you insights and sharing on how they made it and what failed for them.


Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut


[Podcast, Vodcast]

Spotify: https://rebrand.ly/TFC-spotify

Apple Podcast: https://rebrand.ly/TFC-applepodcast

YouTube: https://rebrand.ly/TFC-youtube


[Connect with us]

Instagram: https://rebrand.ly/TFC-instagram

Tik Tok: https://rebrand.ly/TFC-tiktok

Telegram: https://rebrand.ly/TFC-telegram

Whatsapp: https://rebrand.ly/TFC-Whatsapp-channel

Newsletter: https://rebrand.ly/TFC-Newsletter


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.



Hosted on Acast. See acast.com/privacy for more information.

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All content for Chills with TFC is the property of The Financial Coconut and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

Life is not always about learning from people that you already agree with. We believe perspectives shape a rounder thinker.


Join our guests and hosts who consist of seasoned investors, financial analysts, and experts in their field to share more on how you can be smarter with your money and make better financial decisions.


We also bring you entrepreneurs who will give you insights and sharing on how they made it and what failed for them.


Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut


[Podcast, Vodcast]

Spotify: https://rebrand.ly/TFC-spotify

Apple Podcast: https://rebrand.ly/TFC-applepodcast

YouTube: https://rebrand.ly/TFC-youtube


[Connect with us]

Instagram: https://rebrand.ly/TFC-instagram

Tik Tok: https://rebrand.ly/TFC-tiktok

Telegram: https://rebrand.ly/TFC-telegram

Whatsapp: https://rebrand.ly/TFC-Whatsapp-channel

Newsletter: https://rebrand.ly/TFC-Newsletter


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.



Hosted on Acast. See acast.com/privacy for more information.

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Entrepreneurship
Education,
Business,
Investing,
How To
Episodes (20/140)
Chills with TFC
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 at go.dbs.com/cioinsightsfunds-04

View DBS disclaimers at go.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


📍 LISTEN & SUBSCRIBE

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
  • TikTok
  • Telegram
  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
1 week ago
35 minutes 13 seconds

Chills with TFC
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 sanity
  • Alex Lee, Father from familee.sg, bringing dad-energy, dad-logic, and surprisingly sharp life hacks
  • Walter de Oude, Founder of Chocolate Finance dropping tips so smooth they should come with a disclaimer


Who 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

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
  • TikTok
  • Telegram
  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
3 weeks ago
30 minutes 46 seconds

Chills with TFC
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

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
  • TikTok
  • Telegram
  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
4 weeks ago
32 minutes 3 seconds

Chills with TFC
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

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
  • TikTok
  • Telegram
  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
1 month ago
48 minutes 14 seconds

Chills with TFC
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:

  • Instagram
  • Newsletter


📺 MORE FROM OUR NETWORK

Discover our other shows and deep dives on YouTube

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
1 month ago
40 minutes 37 seconds

Chills with TFC
Achieving FIRE with Digital Marketing: A Singaporean Journey [Chills 243 ft Nawin Singh]

Meet Nawin Singh, Founder of All That Racket—a digital marketing pro who achieved FIRE on his own terms. No secret sauce, just strategic moves, some early stock wins, and a passion for tennis rackets.


In this episode, Nawin shares:

- How he turned Facebook RSUs into financial freedom.

- His journey from digital marketing in the '90s to retiring early and living life on his own terms.

- The surprising way his record collection could become his next big move.

- Why Thailand is his retirement base, and how he’s balancing freedom with adventure.


Want to know how digital marketing and a little bit of luck can unlock the life you want?

Tune in to hear how Nawin made it happen—and how you can too.


---


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Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 Dec 2025). Dive into effortless global transactions today:

🔗 Explore the World Card

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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


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
  • Newsletter


⚠️ 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
1 month ago
40 minutes 21 seconds

Chills with TFC
He worked in Finance and wants to tell us the truth [Chills 242 ft TimTalksMoney]

Are you paying for sophistication… or just complexity?


Structured products. ILPs. The industry calls them “innovative.” Some call them “expensive packaging.”

In this week’s episode ft. Tim Phillips from TimTalksMoney, we dive into how these products really work — what value they can offer, and where investors often get misled.


From fees that compound quietly, to the psychology behind why people still buy them — it’s a candid look at the tension between advice, incentives, and outcomes.


Tune in now for a no-drama, data-driven take — minus the sales pitch.


---


🎧 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

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
  • TikTok
  • Telegram
  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
1 month ago
41 minutes 23 seconds

Chills with TFC
Careshield Life Just Changed. Here’s What You NEED To Know [Chills 241 ft Alex Lee]

What if the national insurance scheme you’re paying into isn’t enough to cover your long-term care? Is it time to rethink your strategy?


Here’s what you can expect:

- Exclusive Insight from Alex Lee, Chief Actuary, a key figure in the insurance and finance world, as he walks us through the updates and changes to the Cash Life scheme.

- The difference between ElderShield and Cash Life – and why these changes matter for your long-term care planning.

- The big questions: Is the current payout enough? What about the gap in coverage for the younger generation? And, what’s the deal with premium fairness across genders?

- Plus, we’ll be exploring the personal impact of these policies: Is this something you should be thinking about now, even in your 30s? You won’t believe the angles Alex brings to the table.


Alex Lee offers some eye-opening insights that could change the way you think about insurance. Don’t miss this crucial conversation – 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

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
  • TikTok
  • Telegram
  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
2 months ago
39 minutes 12 seconds

Chills with TFC
Teaching Daken Money and Managing Family Finances in Competitive Singapore! [Chills 240 ft Familee.sg]

What would you do if your 12-year-old started making his own money — and then told you how he wants to invest it?

That’s exactly what happened in this week’s episode.


Host Reggie sits down with Alex Lee, better known as Familee Dad, and his son Daken from Familee.sg — one of Singapore’s most popular family creator.


They open up about:

  • Turning family content into a full-fledged business.
  • How parents can teach kids the value of money without killing curiosity.
  • What happens when kids start contributing to family finances (yes, really).
  • And the emotional tug-of-war between saving, spending, and just living well in Singapore.


It’s funny, raw, and unexpectedly wise — a real peek into how money conversations sound in a modern Singaporean household.


🎧 Catch the full episode and maybe, just maybe, you’ll start talking money a little differently at 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


📍 LISTEN & SUBSCRIBE

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
  • TikTok
  • Telegram
  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
2 months ago
40 minutes 32 seconds

Chills with TFC
Selling REITs, Buying Tech, He FIRED! The Story of a Malaysian Professional in Singapore. [Chills 239 ft Boon Tee]

What if your journey to financial freedom started in a small Malaysian town and ended in one of the world’s priciest cities?


Reggie sits with Boon Tee — a finance professional who quietly built his wealth, moved countries, and hit FIRE by betting big on tech stocks.


In this episode:

- How he went from earning in ringgit to investing in USD.

- The mindset shifts that helped him build conviction — and stay invested when others panicked.

- What “FIRE” really means when you’ve got a family, a mortgage, and a plan.


No hype, no gimmicks — just one man’s real journey to financial independence, powered by discipline, data, and a little bit of tech magic.


Tune in. Get inspired. Rethink what’s possible.



---


🎧 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

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
  • TikTok
  • Telegram
  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
2 months ago
37 minutes 48 seconds

Chills with TFC
Is NHS better than Medisave? The financial lived experience of professionals in UK vs SG. [Chills 238]

Ever wondered how life stacks up for working professionals in the UK versus Singapore?

From student loans and taxes to housing, healthcare, and retirement — we’re breaking down what financial life really looks like on both sides.


Joining us is Ali Zafar, Founder of LifeSmart Financial Literacy, who flew in from the UK to study how Singaporeans handle money.


Unpack:

- What everyday financial life feels like for a UK working professional

- Why some grads start off S$100,000 in debt before even working

- The real cost of “free healthcare” and what taxes actually buy you

- How CPF compares to the UK’s system — and which one *actually* works better

- The surprising personal story that pushed Ali to start teaching financial literacy through games


Is the grass greener on the other side?

Tune in to find out — because this episode might just change how you see your own paycheck.



---


🎧 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

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
  • TikTok
  • Telegram
  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
2 months ago
42 minutes 23 seconds

Chills with TFC
Singapore’s Most Colourful Retiree Shares Her 30 years After the Rat Race [Chills 237 ft Yan Ong]

What does retirement really look like? For many, it’s slowing down. But for today’s guest, life only started getting more vibrant after she retired.


👉 From leaving a high-pressure corporate career in her 40s...

👉 To experimenting with side hustles and running her own café...

👉 To becoming a senior model and launching a fashion movement with a cause...


She’s proving that retirement doesn’t mean the end of your story – it can be the boldest chapter yet.


✨ Meet Yan Ong, founder of Fashion for Cancer SG, a senior model, entrepreneur, and self-proclaimed “grey influencer” redefining what it means to stay relevant, purposeful, and full of colour in later life.


If you’ve ever wondered whether it’s possible to reinvent yourself, find joy in unexpected places, or just break out of the retirement stereotype — this episode is one you don’t want to miss.



---


🎧 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
3 months ago
38 minutes 12 seconds

Chills with TFC
How To Beat Low-Yield Savings & Make Your Cash Work Hard For You [Chills 236 ft Aberdeen SDEI]

SSB rates are down. T-bills are down. Your cash is losing its mojo.

So, what’s the next move?


Everyone’s asking the same question:

“Where can I park my cash to get a better yield, without taking on huge risk?”


Join us as we crack the code on a smarter alternative. We’re talking about a fund designed for one job: to consistently beat cash.


Learn about:

- The exact trade-off: How much more risk for how much more yield?

- The 2022 Test: How it held up during the worst bond market in decades.

- The real-world fit: Is this for your emergency fund, house down-payment, or retirement pot?


With special guests, we get the institutional view on how to make your money work harder when interest rates are falling:


- Natalie Tan, Head of Wholesale SEA, Aberdeen Investments

- Amit Moudgil, Investment Specialist, Aberdeen Investments

- David Wu, Minimalist in the City, Financial Coach


Stop leaving returns on the table.

Listen to the full episode now.



Disclaimer: This content is produced in partnership with Aberdeen Investments for educational purposes. It discusses the abrdn SICAV I - Short Dated Enhanced Income Fund and is not financial advice. Investments in the Fund 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 the Fund is suitable for their portfolio. For more information on Aberdeen Investments: https://www.aberdeeninvestments.com/en-sg/investor/investment-solutions/credit/short-dated-enhanced-income-fund


---


🎧 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

  • Spotify
  • Apple Podcast
  • YouTube


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
3 months ago
39 minutes 32 seconds

Chills with TFC
I Bought a $790K HDB and then left my $100K Job to Build a better life. [Chills 235 ft Asher Chua]

What would you do if you walked away from a six-figure corporate job in your 20s to completely reimagine your life?


We sit with Asher Chua, a former workaholic who traded quotas and endless sales calls for something entirely different. He’s experimented with side hustles, built his own consultancy, and even made some bold life decisions while juggling a wedding and buying a home.


Here’s a taste of what you’ll hear:

- Why he left the comfort of a high-paying tech sales career

- How he manages risk while building a solo business

- What financial milestones gave him the courage to quit

- The surprising role his partner played in shaping his journey


And beyond the numbers, Asher shares his vision for family, freedom, and what a "good life" in Singapore means to him.


Tune in to hear a candid story about money, mindset, and making big life changes.


---


Unlock global business potential with WorldFirst:


Your all-in-one business account for global payments. Pay in 100+ currencies, collect in 20+ currencies with local bank details including USD, MYR, THB, CNH and more by opening a zero-cost multi-currency account. No minimum balance required. Enjoy unlimited 1.2% cashback on business expenses with their World Card!


Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 Dec 2025). Dive into effortless global transactions today:

🔗 Explore the World Card

🔗 Claim Your USD100 Sign-up Bonus


---


Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. 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]

Instagram

Telegram

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Newsletter


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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
3 months ago
42 minutes 17 seconds

Chills with TFC
Lost $50K in CFDs. Then Built a Mid 6-Figure Portfolio with Singapore Small Cap [Chills 234 ft InvestKaki]

Ever thought investing in small-cap stocks was just too risky? What if the biggest myths about them are hiding the biggest opportunities?


We sit down with James Yeo, Investor and Trainer, Investkaki.com shares how he went from a five-figure wipeout to building a mid six-figure portfolio


What you’ll hear:

- The painful mistake that shaped his investing framework.

- How he pivoted from trading to value, then to quality investing.

- Why Singapore’s small-cap stocks might hold more potential than most investors think.

- Practical guardrails to protect yourself from another wipeout.


If you’ve ever doubted whether you can bounce back from losses, this conversation is proof that resilience (and the right strategy) can change everything.


---


🎧 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

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
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  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
3 months ago
40 minutes 33 seconds

Chills with TFC
Ex-Workaholic Simulates Retirement with $50k in 38 Countries. Here’s what she found. [Chills 233]

What if you could retire… in your 30s? Not at the end of your life, but right now? What would you do with that time, and who would you become?


Meet Ho Ming Xia, a former chronic workaholic from the high-stakes world of global entrepreneurship, now taking a bold leap into living life on her own terms.


Sneak peek:

- Why Xia decided to take a "retirement year" at the peak of her career.

- How she simulated retirement by living in four cities and balancing work with well-being.

- The unexpected lessons she learned about time, money, and self-worth along the way.

- And how she manages to work just 4-hours a week while living life to the fullest.


If you’ve ever felt like you’re running out of time, or wondered what’s on the other side of the relentless hustle… you need to hear this story.


Tune in to discover how to simulate the life you want and start living it 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

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
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  • Telegram
  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
4 months ago
39 minutes 27 seconds

Chills with TFC
FIRE is not Meaningless! Multi-Millionaire Dividend Investor Challenges Bank [Chills 232 ft Christopher Ng]

Does the FIRE movement unlock freedom—or just another grind?


Christopher Ng, Founder, Tree of Prosperity, and one of Singapore’s earliest FIRE adopters, joins us to share:


- Why the original FIRE ideas differ from how millennials and Gen Z are practicing it today

- The surprising mindset needed to actually enjoy FIRE

- The hidden trade-offs of lifestyle compression

- How dividends (yes, just one payout changed everything for Chris) can reshape your view of work and money

- Why FIRE isn’t meaningless — and what really gives life meaning beyond money


If you’ve ever wondered whether FIRE is a path to freedom or just another grind, this conversation will make you rethink your assumptions.


Tune in and decide for yourself — is FIRE worth chasing?


---


🎧 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

  • Spotify
  • Apple Podcast
  • YouTube


🔗 CONNECT WITH US

Get daily tips, insights, and community:

  • Instagram
  • TikTok
  • Telegram
  • Whatsapp
  • Newsletter


📺 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
4 months ago
38 minutes 8 seconds

Chills with TFC
Extreme FIRE Enthusiast Gives Up Trading and Prudence For a Much Better Life [Chills 231 ft Xuan Kai]

What happens when you slash your spending to just a few hundred dollars a month, quit your stable job, and throw yourself into extreme budgeting and risky ventures?


Meet Xuan Kai — physiotherapist by day, YouTuber by night — who once slashed his spending to just $100 a month and quit his job with no backup plan.


Hear:

- What extreme budgeting really costs you

- How risky trades and burnout reshaped his outlook

- Why his best investment isn’t in the markets at all


Raw, unfiltered, and full of lessons you won’t find in a finance textbook.


Don’t miss this episode — tune in to hear what Xuan Kai learned the hard way, and how he’s rewriting his relationship with money today.


---


Unlock global business potential with WorldFirst:


Your all-in-one business account for global payments. Pay in 100+ currencies, collect in 20+ currencies with local bank details including USD, MYR, THB, CNH and more by opening a zero-cost multi-currency account. No minimum balance required. Enjoy unlimited 1.2% cashback on business expenses with their World Card!


Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 Dec 2025). Dive into effortless global transactions today:

🔗 Explore the World Card

🔗 Claim Your USD100 Sign-up Bonus


---


Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. 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]

Instagram

Telegram

Whatsapp

Newsletter


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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
4 months ago
39 minutes 12 seconds

Chills with TFC
How an Indonesian Professional Manages Money and Career in Singapore [Chills 230 ft Mickey Salim, @hey.mickmok]

What does it really feel like to be an Indonesian professional building a life in Singapore?


We sat with Mickey Salim – a Jakarta-born, Hong Kong-raised marketing tech pro who’s now making her mark in Singapore.


From landing a rare internal transfer without a job lined up… to navigating the messy, months-long process of relocating across Asia… Mickey spills the real tea on what it takes to make the move – connections, hustle, and a whole lot of persistence.


She shares:

- The unexpected advantage she had from studying in Hong Kong – and why it made all the difference

- How she negotiated her relocation package & pulled off a bold, self-initiated international transfer against all odds

- A shocking “buyout” clause that let her jump to her new job faster

- Why she says living a decent life in Singapore might actually be cheaper than in Jakarta – yes, really

- Her bold money moves: from frugal beginnings to investing across borders, playing with crypto, and leveraging SRS for tax savings

- And the surprising reason she’s now certain she wants to **settle down in Singapore for good**


Mickey’s also a rising voice in the Indonesian community here – turning her content channel into a platform that’s connecting and empowering fellow expats.


This is a story of strategy, survival, and finding your place. It’s raw, it’s real, and it’s packed with insights for anyone building a life away from home.


Don’t miss it. This one’s for every aspiring expat– and anyone who’s ever wondered what it takes to build a life across borders.


---


Unlock global business potential with WorldFirst:


Your all-in-one business account for global payments. Pay in 100+ currencies, collect in 20+ currencies with local bank details including USD, MYR, THB, CNH and more by opening a zero-cost multi-currency account. No minimum balance required. Enjoy unlimited 1.2% cashback on business expenses with their World Card!


Act now to claim exclusive rewards: New users receive a USD100 sign-up bonus with code “EXCLUSIVEOFFER” (valid until 31 May 2025). Dive into effortless global transactions today:

🔗 Explore the World Card

🔗 Claim Your USD100 Sign-up Bonus


---



Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.


[Connect with us]

Instagram

Telegram

Whatsapp

Newsletter


Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. 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.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
4 months ago
40 minutes 21 seconds

Chills with TFC
FIRE with Franchise in Singapore 2025: What NO ONE Tells You [Chills 229, Sponsored by FLAsia 2025]

Ready to navigate the explosive world of franchising in 2025?


We sit with three industry powerhouses who’ve lived and breathed franchising from every angle:

  • Ms Hsien Naidu, CEO, Astreem Consulting Pte Ltd - 20-year franchise guru who’s scaled award-winning brands across Asia
  • Mr Gan Shee Wen, President, Franchising and Licensing Association (Singapore), Vice President, Group Sales and Marketing, Koda Ltd and Chief Operating Officer, Commune Lifestyle Pte Ltd - Retail disruptor who conquered China’s cutthroat market with furniture franchising
  • Mr Lee Shao Rong, Owner & F&B Entrepreneur - From near-failure to 11 outlets—the founder of Super Green shares hard-won ops truths


We’re talking 2025 franchise trends you need to know:

✅ Why location isn’t just about foot traffic — and the counterintuitive strategy behind choosing the right spot

✅ The hidden costs no one talks about — from manpower to mall logistics

✅ How China is rewriting the franchise playbook — and what it means for you

✅ Why empathy between franchisor and franchisee is the secret sauce to long-term success

✅ And the #1 question you must ask before signing any franchise agreement


This is more than just a preview of FLAsia — it’s your insider’s guide to making smarter, data-driven decisions in a fast-evolving landscape.


Whether you’re a franchisor, franchisee, or eyeing your first investment, this episode is your 2025 survival kit.


Tune in now — and don’t miss the exclusive Franchise Mastermind Workshop at FLAsia 2025, where potential franchisees get 2 hours of hands-on guidance from industry leaders.


📍Mark your calendars: FLAsia 2025, September 18–20 at Marina Bay Sands

👉 Score a Free Visitor Pass: https://qr1.be/CR6O

👉 Or use code [FLA25_TFC_20] for 20% off conference tickets! (Partner events excluded).


See you there!


01:54 - Introduction: Ms Hsien Naidu, CEO, Astreem Consulting Pte Ltd

02:43 - What motivated you to stay in the franchising space for 20 years?

04:29 - Introduction: Mr Gan Shee Wen, President, Franchising and Licensing Association (SG)

06:19 - Why take on the franchise presidency despite your busy schedule?

08:08 - Introduction: Mr Lee Shao Rong, Owner & F&B Entrepreneur, Supergreen

08:39 - How did you get started, and what did it cost to enter the business?

14:45 - What key trends are shaping the franchising space today?

18:26 - How do you stay competitive and viable in a crowded CBD market?

20:06 - Is your brand more affordable, and what’s the risk-reward trade-off?

21:51 - How should one evaluate data trade-offs in modern franchise models?

25:11 - How do you choose franchise locations to ensure business success?

34:43 - What’s a fair expectation of brand reinvestment from franchisors?


---


Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. Join us as we explore personal finance, investing and more.


Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. Please do your due diligence before making any investment or financial decisions.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey


Hosted on Acast. See acast.com/privacy for more information.

Show more...
4 months ago
42 minutes 49 seconds

Chills with TFC

Life is not always about learning from people that you already agree with. We believe perspectives shape a rounder thinker.


Join our guests and hosts who consist of seasoned investors, financial analysts, and experts in their field to share more on how you can be smarter with your money and make better financial decisions.


We also bring you entrepreneurs who will give you insights and sharing on how they made it and what failed for them.


Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut


[Podcast, Vodcast]

Spotify: https://rebrand.ly/TFC-spotify

Apple Podcast: https://rebrand.ly/TFC-applepodcast

YouTube: https://rebrand.ly/TFC-youtube


[Connect with us]

Instagram: https://rebrand.ly/TFC-instagram

Tik Tok: https://rebrand.ly/TFC-tiktok

Telegram: https://rebrand.ly/TFC-telegram

Whatsapp: https://rebrand.ly/TFC-Whatsapp-channel

Newsletter: https://rebrand.ly/TFC-Newsletter


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.



Hosted on Acast. See acast.com/privacy for more information.