Chills with TFC

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📍 LISTEN & SUBSCRIBESpotifyApple PodcastYouTube🔗 CONNECT WITH USGet daily tips, insights, and community:InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORKDiscover 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.

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📍 LISTEN & SUBSCRIBESpotifyApple PodcastYouTube🔗 CONNECT WITH USGet daily tips, insights, and community:InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORKDiscover 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.

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📍 LISTEN & SUBSCRIBESpotifyApple PodcastYouTube🔗 CONNECT WITH USGet daily tips, insights, and community:InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORKDiscover 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.

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 at 1 Robinson Road, #21-01 AIA Tower, Singapore 048542. Please refer also to the disclaimers at 00:00 - 00:04 of 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📍 LISTEN & SUBSCRIBESpotifyApple PodcastYouTube🔗 CONNECT WITH USGet daily tips, insights, and community:InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORKDiscover 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.

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📍 LISTEN & SUBSCRIBESpotifyApple PodcastYouTube🔗 CONNECT WITH USGet daily tips, insights, and community:InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORKDiscover 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.

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 episodeThe 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📍 LISTEN & SUBSCRIBESpotifyApple PodcastYouTube🔗 CONNECT WITH USGet daily tips, insights, and community:InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORKDiscover 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.

🚨 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.---🎧 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 & SUBSCRIBESpotifyApple PodcastYouTube🔗 CONNECT WITH USGet daily tips, insights, and community:InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORKDiscover 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.

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📍 LISTEN & SUBSCRIBESpotifyApple PodcastYouTube🔗 CONNECT WITH USGet daily tips, insights, and community:InstagramTikTokTelegramWhatsappNewsletter📺 MORE FROM OUR NETWORKDiscover 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.