The Financial Coconut Podcast

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.---🎧 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.

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. ---🎧 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 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.:---🎧 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.---🎧 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.

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📍 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.

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/---🎧 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.

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 hearHow 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.---🎧 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 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.

"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📍 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.

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.---🎧 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 if nightlife didn’t start at midnight… but at sunrise? What if music wasn’t just entertainment… but a tool for community, wellness, and human connection?Hear from a founder who’s quietly re-engineering how people gather, move, and feel, without following any traditional playbookOur guest:👉Christopher Shearmon, Managing Director of Wild Pearl StudioA former corporate professional turned 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.---🎧 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 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.