The Financial Coconut Podcast

The Financial Coconut

Singapore’s First Financial Literacy Podcast

  • 1 hour 2 minutes
    SME Bosses Reacts To Singapore Budget 2026 #Budget2026

    What happens when rising costs, foreign worker quotas, AI disruption, and global expansion all collide in one national budget?

    We unpack the real conversations happening behind closed doors: the tensions, the trade-offs, and the tough questions business owners are quietly asking.

    Here’s what you’ll hear:

    • Why “adapt or be left behind” isn’t just a slogan, and what it really means for SMEs
    • The hidden pressure of quotas, levies, and wage mandates, are three tools too many?
    • When your best talent becomes your biggest compliance headache
    • AI: national strategy or survival strategy for small businesses?
    • Why not every job can, or should, be replaced by automation
    • The uncomfortable truth about grants, sustainability, and over-dependence
    • International expansion: growth opportunity… or expensive distraction?
    • Why going overseas without fixing your home ground could cost you more than you think

    🎙️ And joining us is a service-based entrepreneur who has piloted regional projects, navigated capability development firsthand, and is actively preparing for international expansion, sharing candid insights on what founders really need beyond just financial capital: social capital, ecosystem support, and even “dream capital.”

    This isn’t a highlight reel. It’s the unfiltered reality of running a business in a fast-changing economy.

    If you’re an SME owner, policymaker, founder, or just curious about where the economy is heading — you’ll want to tune in.

    Because the real question isn’t whether change is coming.

    It’s whether we’re ready for it.


    ---


    🎧 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


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    17 February 2026, 10:00 pm
  • 1 hour 8 minutes
    TFC Reacts to Budget 2026: Are Singaporeans Better Off? #Budget2026

    TFC Budget Debate Is Back… And This Year, It’s Personal

    The numbers are out. The headlines are loud. But what’s really going on beneath the surface of this year’s Singapore Budget?

    Before you scroll past another hot take, tune in to the only budget debate you actually need to hear.

    the TFC crew dives deeper than ever, beyond the vouchers and headline announcements, to unpack what the policies really mean for your job, your family, your future, and yes… your CPF.


    Meet the Panel

    • Reggie - Your “Chief Financial Cook” is back in the driver’s seat, promising one thing: No blind agreement. No polite nodding. Just real conversation.
    • Anthony - The policy veteran who keeps coming back for one reason: this is the one debate that actually matters. Expect sharp takes on economic strategy and what’s really driving the nation’s direction.
    • Adrian - The “usual culprit” who asks the uncomfortable questions. If there’s a stress test for government KPIs or AI ambitions, he’s bringing it.
    • Iman - First time on the panel, but don’t underestimate her. She’s cutting through the spreadsheets to ask the bigger question: Is this the life we actually want?

    What We’re Unpacking

    • Is this a steady-as-we-go budget… or something more strategic?
    • Are we engineering innovation, or just throwing money at VCs?
    • Has Singapore quietly created a minimum wage without calling it one?
    • Why do families still hesitate to have more children, even with subsidies?
    • Are we talking about productivity… but ignoring how people actually want to live?
    • And what happens when AI, immigration, and identity all collide?

    Plus:

    Some jaw-dropping revenue numbers.

    A ministry that slashed its operating budget by 75%.

    And a CPF conversation you’re going to want to hear in full.

    This isn’t just about dollars and cents.

    It’s about risk.

    It’s about trade-offs.

    It’s about the kind of society we’re building — and whether we’re honest about it.

    If you care about jobs, kids, housing, inequality, or simply where this country is headed next…

    🎧 Don’t miss this episode of TFC Budget Debate.

    Because the real debate doesn’t start with the speech.

    It starts after.


    ---


    🎧 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


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    15 February 2026, 10:00 pm
  • 54 minutes 29 seconds
    Investing in 2026: How These Finfluencers are Investing in 2026 [Chills 254]

    New year. New market risks. New opportunities most people aren’t even looking at yet.

    In this episode, we bring together three seasoned investors with completely different strategies to break down how they’re thinking about 2026 - from AI hype to undervalued markets and everything in between.

    But here’s the twist:

    They don’t agree. And that’s exactly why you need to hear this.

    Inside this episode, you’ll hear:

    • Why one investor is quietly preparing for a possible AI reality check
    • Where another sees undervalued opportunities outside the U.S. that most people are ignoring
    • How a dividend investor is building steady monthly income while others chase growth
    • The big mistake many investors made in past crashes and how to be ready next time
    • What “waiting for fat pitches” actually looks like in real life
    • Whether 2026 is a year to be aggressive… or patient

    Meet our guest voices in this episode:

    • Dawn (SG Budget Babe) - Undervalued growth investor focused on buying strong companies at the right price
    • Christopher Ng (Founder, Tree of Prosperity) - Dividend investor living off portfolio cash flow and focused on stability over hype
    • ContraTurtle - Concentrated growth investor who only moves when pessimism is high and conviction is higher

    Different styles. Different risk levels. Different outlooks.

    Same goal: Making smarter decisions in an uncertain year.

    If you’re wondering how to position your portfolio for 2026 — without blindly following the crowd — this is the conversation you don’t want to miss.

    Tune in now and hear how real investors are thinking before the headlines catch up.


    ---


    🎧 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


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    11 February 2026, 10:00 pm
  • 46 minutes 40 seconds
    Real, Battle-Tested Marketing Playbook [TBS 49, Sponsored by WorldFirst]

    Funnels are dead.

    “Best practices” might be costing you money.

    And the strategy that built an 8-figure brand started with just $500.

    In this episode, we go deep with battle-tested operators who’ve actually built, scaled, and exited, not just theorised on slides.

    Here’s what you’ll hear (without giving away all the secrets):

    • Why your marketing “funnel” might be completely wrong, and what to think about instead
    • The $500 experiment that turned into an 8-figure exit (and the early mistake that nearly derailed it)
    • How to stop doing “a bit of everything” and find the ONE channel that actually grows your business
    • The hidden profit most SMEs ignore after a customer buys
    • What AI can really do for your marketing right now… and where humans still win
    • Marketplace vs your own website: are you stealing from yourself or unlocking new buyers?
    • The tiny post-purchase detail that quietly turns customers into your best salespeople

    Meet the Guests

    • Jake Tan, Founder of Ergotune (Marvable), who scaled a consumer brand from scratch and exited with an 8-figure deal
    • Marcus Ho, Managing Director of Brew Interactive, a performance marketing agency founder with 17 years and 500+ clients under his belt, is obsessed with results, not awards
    • Caleb Khoo, AI startup CEO **(Saleshero.io),**helping businesses turn customers into communities (and communities into revenue)

    If you’re an SME owner, marketer, or founder tired of vague marketing advice, this episode delivers real-world lessons, honest mistakes, and strategies that actually move revenue.

    Hit play. Your next growth idea might be hiding in this conversation.


    Enjoy 5 FREE business payments at 50% FX off with WorldFirst:

    Your all-in-one business account for international business payments. Same-day payments in USD, MYR, RMB at 3X cheaper rates.

    Act now to claim exclusive rewards:

    New users receive a USD100 sign-up bonus with sign-up link below.

    Dive into effortless global transactions today:

    🔗 New Users enjoy 1st 5 payments FREE at 50% FX rate. Sign-up with Singpass:

    https://portal.worldfirst.com/register?gad_source=1&region=SG&step=1&utm_campaign=2602_sea_sg_semi&utm_medium=fieldmkt&utm_source=online

    🔗 Learn more:

    https://www.worldfirst.com/sg/campaign/new-user-vouchers-2026/?utm_medium=fieldmkt&utm_source=offline&utm_campaign=2602_sea_sg_tfclohei



    ---


    🎧 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


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    10 February 2026, 10:00 pm
  • 30 minutes 50 seconds
    Why the Luxury Industry Hires Differently: Creativity, Judgment & Taste [W&S 156]

    What really makes someone “creative” at work, and can you actually train it?

    We dive into a conversation that goes way beyond art and design. Kick off the year with a fresh perspective on growth, identity, and what it really takes to stand out in today’s professional world.

    We’re joined by Priscilla Tang, Luxury Mindset & Career Coach, who brings a unique blend of career coaching expertise and years of experience in the luxury industry, where excellence, precision, and high standards aren’t optional… they’re the baseline

    Together, they explore powerful ideas that might just change how you see your own potential:

    • Creativity isn’t just for “artistic” people; it might be hiding in how you solve problems every day
    • Judgment can be trained, and your past mistakes may be your greatest teachers
    • Taste isn’t about being fancy; it’s about developing an “elevated preference” that sets your work apart
    • Why luxury brands obsess over details, and what professionals in any industry can learn from that mindset
    • How to show creativity in interviews, even if you don’t work in a creative role
    • The hidden skill most workplaces are missing, and how it affects confidence, decision-making, and growth

    If you’ve ever thought, “I’m just not a creative person,” or wondered how some people just seem to “get it right” when others can’t explain why — this episode is for you.

    Tune in to discover how creativity, judgment, and taste aren’t rare talents… but skills you can grow with the right mindset.


    ---


    🎧 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


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    8 February 2026, 10:00 pm
  • 50 minutes 44 seconds
    Empowering Kids to Thrive Financially In a Cashless World [Chills 253, Sponsored by OCBC]

    Parenting doesn’t come with a guidebook… and neither does raising money-smart kids in today’s world.

    We’re living in a time where money is invisible - cards, apps, QR codes, tap-to-pay… even watches and rings. So how do we teach children the real value of money when they barely see it?

    In this episode, host Dawn Cher (Budget Babe) brings together three powerful voices to unpack a question every parent is quietly asking:

    How do we raise financially confident kids without fear, pressure, or getting it wrong?


    Hear from

    • Qi Zhai-McCartney - investment professional turned psychotherapist & coach, and mom of four - sharing how psychology, mindset, and decision-making shape lifelong money habits.
    • Don (Money Saving Daddy) - a dad who documented his parenting journey from day one, breaking down real-life, practical lessons on family budgeting, spending and values.
    • Tan Siew Lee - Head of Group Wealth Management, OCBC, with 20+ years of experience, revealing what parents today actually struggle with and how banks are rethinking financial literacy for kids.

    Discover:

    • Why teaching kids “save, save, save” might backfire, and what to teach instead
    • The #1 parenting mistake when using money-tracking tools (and how to avoid it)
    • How to handle peer pressure when your child starts comparing brands, watches, and “who has more”
    • What “kids’ currency” really means and why stickers may teach money better than money
    • How to guide kids with boundaries without turning money conversations into nagging
    • Why financial safety today includes something parents didn’t worry about before: scams, digital risks, and online traps

    Tune in for real stories, surprising insights, and practical takeaways without judgment and without fluff.


    Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.


    ---


    🎧 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:


    📺 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.

    4 February 2026, 10:00 pm
  • 47 minutes 21 seconds
    Ergotune: The Risks, Hustle and Timing Behind The Legendary Exit [TBS 48]

    Tune in with Jake, the Founder of Ergotune, a brand that grew from humble beginnings to a game-changing company in the ergonomic furniture space.

    Listen as Jake opens up about the trials and triumphs of building a business from scratch, with insights into his journey from coding bootcamps to creating ergonomic solutions like the standing desk and office chairs.

    What you'll hear:

    • The founding story of Ergotune and its rapid rise from a small startup to a multi-million-dollar company.
    • How Jake and his co-founders made tough decisions, including selling the business for a life-changing exit.
    • The struggles of balancing innovation with market competition and how they identified opportunities in the ergonomic chair space.
    • Jake’s insights on moving from founder to investor, exploring new ventures, and betting on the next big trends.

    Hear about Jake’s candid reflections on startup life, success, and the importance of knowing when to pivot.

    Whether you’re a budding entrepreneur or just curious about the behind-the-scenes of a successful startup, this episode is a must-listen!



    ---


    🎧 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


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    ---


    🎧 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


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    3 February 2026, 10:00 pm
  • 33 minutes 43 seconds
    The Career Advice HR Will Never Tell You: Build Skills Outside Your Job [W&S 155]

    What if you’re doing everything “right” - climbing the ladder, hitting milestones, building stability, but deep down… success still doesn’t feel secure?

    We dig into a growing mid-career reality: more professionals are quietly building skills outside their job; not because HR asked them to, but because they’re trying to protect their future.

    Because in today’s world, even the most stable job can start feeling… temporary.

    This episode’s guests:

    • Dawn - Author of Take Back Control of Your Money and host of Wise & Shine (but today, she’s in the hot seat sharing her personal journey)
    • Roy Teo - A comms & marketing professional of 18 years who made a bold pivot into real estate advisory (and hasn’t looked back since)

    We unpack:

    • Why mid-career professionals are upskilling even when things seem “fine”
    • The moment “job security” starts feeling like an illusion
    • What corporate life teaches you… and what it never will
    • The uncomfortable truth about visibility, personal branding, and being seen

    The 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 & SUBSCRIBE


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    1 February 2026, 10:00 pm
  • 47 minutes 35 seconds
    The Great Wealth Transfer: How To Do This Well [Chills 252, Sponsored by OCBC]

    Get ready to dive into the complexities of legacy planning and wealth transfer.

    In this episode, we’ll explore:

    • How to overcome the taboos surrounding legacy planning and bring it up with your loved ones
    • Common missteps people make when passing on wealth and how to avoid them
    • The power of starting early with financial education for your kids
    • Planning for non-traditional families, including how to secure the future of your pets

    Join 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 & SUBSCRIBE


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    28 January 2026, 10:00 pm
  • 46 minutes 24 seconds
    Do Loyalty Stamp Cards Still Work? We're Here To Find Out! [TBS 47 ft yuu Rewards Club]

    What if the loyalty programs you think you understand… are actually built on completely different rules?

    We sit with a man some in the industry call “the king of loyalty” - the CEO behind one of Singapore’s largest rewards ecosystems. With millions of members and over a million active users every month, he’s got a front-row seat to how consumers really spend, save, and stay loyal.

    And let’s just say… a lot of what businesses believe about loyalty? Might be totally wrong.

    Inside this episode, we unpack:

    • Why “buy 10 get 1 free” works for cafés… but can quietly kill other businesses
    • The concept of “borrowed loyalty” and how smaller brands can tap into bigger ecosystems to survive
    • Why points, cashback, and miles aren’t equal (and which one is actually losing relevance)
    • The hidden math behind loyalty programs that most SMEs never calculate
    • What 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 retention
    • The surprising reason having MORE points can make customers less likely to leave

    Whether 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 & SUBSCRIBE


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    ---


    🎧 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


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    27 January 2026, 10:00 pm
  • 40 minutes 1 second
    $5000/Month?! The True Cost of Raising a Child in Singapore [W&S 154, Sponsored by OCBC]

    Before kids, you spent freely. After kids, every dollar has a new purpose.

    But what if the biggest financial shock of parenthood isn't the tuition fee, but something you never saw coming?

    Join our host, SG Budget Babe, as she sits down with three parents from vastly different life stages to uncover the raw, unvarnished truth about how raising a family fundamentally reshapes your financial world and your emotional well-being. This isn't just about diapers and college funds, it's about the invisible cost of care and the guilt that comes with it.

    Tune in to hear:

    • Eric Lim, Founder of Parendigm Movement, a seasoned author and coach with a 21-year-old, reveals the single most expensive stage of a child's education that blindsided him.
    • Iman Ibrahim, a Divorce lawyer of 20 Years and single mom, spills the tea on the surprising healthcare cost that left her shocked and questioning the system.
    • Howie Tan, Co-founder of Kintsugi Investing School, and father to a a 6 year old, navigates the early years and the "sandwich generation," shares the emotional cost of being present and the revenue he sacrifices to be a better father.
    • Discover the one thing all three guests stopped spending money on the moment they became parents.
    • Learn how to manage the inevitable parental guilt that comes with every financial decision.

    Don't miss this essential conversation on how to achieve financial wellness while navigating the ever-changing realities of family life.



    Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.


    ---


    🎧 The Financial Coconut:

    Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.


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


    📍 LISTEN & SUBSCRIBE


    🔗 CONNECT WITH US

    Get daily tips, insights, and community:


    📺 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.

    25 January 2026, 10:00 pm
  • More Episodes? Get the App