Is a strong work ethic enough to escape the paycheck-to-paycheck cycle? Many Singaporeans prioritise immediate gratification over long-term financial security. We need to challenge the old ideas of saving and explore automated strategies with Benjamin Tan from Chocolate Finance.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

00:57 Automating savings: $5 a day = $90,000 in 30 years

03:44 The paradox: strong work ethic, yet paycheck to paycheck

05:06 The 40-30-20-10 framework for conscious spending

12:15 Ethical considerations: balancing present enjoyment with future security

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Benjamin Tan, chief investment officer, Chocolate Finance

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

---

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Forget what you think you know about investing. Even the CEO of an online brokerage embraces "basic" strategies. Howie Lim discovers from Ian Leong of Tiger Brokers Singapore why dollar-cost averaging (DCA) isn't just for beginners, how emotions sabotage your portfolio, and what's truly in a seasoned expert's investment mix. Uncover the secret sauce that separates speculation from sound strategy.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

00:40 From a Hong Kong drama to the trading pit

02:55 How greed and fear sabotage portfolios

06:03 Sambal chili for business

08:28 When boring works and when it doesn't

10:30 How DCA helps mitigate recent market dips

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Ian Leong, CEO, Tiger Brokers Singapore

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

---

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Think of it as a tax-shielded account that's also a financial snooze-button! Discover how to invest smartly and save on taxes with your SRS funds. Don’t let your money sit there! Howie Lim finds out more from Jeremy Foo from StashAway and Hugh Chung from Endowus.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:01 Why leaving SRS funds in cash is detrimental

03:17 SRS investment strategies

09:07 Wide range of investment options available for SRS compared to CPF

11:32 The tangible benefits: a mathematical example

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Jeremy Foo, Singapore country manager, StashAway; and Hugh Chung, chief investment officer, Endowus

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

---

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Think your "girl math" makes that coffee purchase free? Or that an $800 credit card spend for airport lunch is a "side hustle"? Join Howie Lim and Seth Wee as they hilariously debunk TikTok finance trends. Discover how to build real wealth, enjoy life's splurges guilt-free, and distinguish between savvy tips and absolute nonsense.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:04 The myth of easy side hustles

03:20 The dangers of oversimplified finance

04:28 Viral nonsense and financial absurdity

06:07 Useful FinTok advice

11:03 The boring stuff works; investment wisdom

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Seth Wee, content creator, sethisfy.com

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

---

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Many build financial fortresses only to feel guilty spending a penny. But you don't just want to be rich, you want to live richly as well. How can you get over the psychological hurdle of spending in retirement? Learn to redefine wealth beyond numbers, embrace "Ikigai goals," and create a spending plan that frees you to live fully and leave a lasting legacy with Loh Yong Cheng from Providend.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

02:49 Overcoming spending guilt

04:37 Translating assets into a perceived income flow

09:00 Your Ikigai goals

10:49 Taking care of you and your legacy

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Loh Yong Cheng, deputy head of advisory at Providend

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

---

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

If you’re ready to ditch the 9-to-5, David Kuo, co-founder of The Smart Investor, reveals if dividend investing is your golden ticket to financial freedom.

Discover how he transformed his wealth, navigated market volatility, and even found peace through income generation. Howie Lim has a candid chat with David about how to live life on your own terms – no Scrooge McDuck vault required.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

02:13 Building portfolios is like cooking

04:39 Don’t make these mistakes

11:12 Ingredients for a successful portfolio

14:18 Embracing volatility as opportunity

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With David Kuo, co-founder of The Smart Investor

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

---

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Unlock reliable income amidst market madness. Singapore's dividend stocks shine but don’t be chasing flashy returns. Howie Lim speaks to the experts to find out how quality, consistency, and clever diversification can turn economic uncertainty into dividend gold.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:09 Factors contributing to Singapore’s safe haven status

03:58 Sustainable dividend-paying companies beyond headline yield

07:29 Dividend sectors contribute to a wholesome portfolio

10:33 Look beyond local markets for better regional diversification

11:23 Strategies for navigating monetary policy shifts

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Charu Chanana, chief investment strategist, Saxo Bank and Andrew Goh, portfolio manager, Phillip Securities

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

---

Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

---

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

Investing can feel like a second job, but what if your money could work harder than you do? Find out how clarity, sound strategy, and a long-term view transform market noise into financial freedom. Simplify your wealth journey with systematic reviews, automation, and expert guidance. Howie Lim gets the skinny from Grace Tay from finexis advisory.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:00 The 3 ingredients of successful investing

04:34 The danger of playing someone else’s game

07:29 Simplified strategies for busy professionals

12:32 Alternatives worth looking into

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

---

Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Grace Tay, associate director, finexis advisory

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

---

Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe

Spotify: bt.sg/oeGN

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

---

Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.