You just got a raise. So why does your bank account still feel broke? It’s the lifestyle creep — the sneaky force turning your bigger paycheck into the same old savings. From $8 lattes to subscription traps to the psychology behind "keeping up with the Tans," find out why more income rarely equals more wealth, and what to actually do about it. Warning: may cause spontaneous budgeting.

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

Highlights:

00:07 The pay-raise paradox

01:11 What lifestyle creep really means, psychologically

04:12 Three forces silently inflating your expenses

07:12 The one question to ask before spending your next paycheck

09:34 The Warren Buffett rule: why staying humble pays off

22:27 The three-week rule that curbs impulse spending

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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 Michelle Mah, founder and psychotherapist, The Curious Bonsai Therapy & Coaching and Wildon Goh, head of Southeast Asia and country head of Singapore. Fidelity International

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim, Nicole Teo & 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.

Your parents' "boring" Singapore dividend stocks only portfolio just had an upgrade nobody told you about. While everyone's obsessing over US tech, Singapore's equity market has quietly doubled its research coverage, attracted real institutional capital, and uncovered small-cap opportunities most investors haven't even heard of.

Correspondent Howie Lim sits down with East Spring's Daniel Lau to figure out why "safe" and "boring" are no longer the same thing — and why ignoring this market might be the riskiest move in your portfolio.

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

Highlights:

01:00 Singapore's liquidity game-changer

04:37 The hunt for hidden small-cap opportunities

07:08 The optimal mix: 50% Singapore, 50% S&P

09:39 Why resilience recovers faster than high-octane bets

12:44 Global allocators are finally paying attention

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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 Daniel Lau, portfolio manager, Eastspring Investments

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 think your bank’s “diversified” portfolio is built for your future, think again. In this episode of Money Hacks, we pull back the curtain on the institutional world with Arki Finance founder David Ng. We’re dissecting the "product-first" myths, exposing why your “tick-box” diversification might be failing you, and revealing why your obsession with benchmarks is costing you real outcomes. Stop investing like a hedge fund—start investing for your life.

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

Highlights:

01:22 Product-first vs. client-first: the industry's reversed process

05:05 Real diversification vs. "spray and pray"

09:54 Complexity vs. sophistication: finding the simplest real solution

13:20 Benchmarks lie: why your goals matter more than the index

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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 Ng, founder of Arki 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.

Your cash isn't safe just because it's sitting still — it's quietly losing to inflation while you wait for "the right time" to invest. Howie Lim gets StashAway's chief investment officer (CIO) Stephanie Leung to explain why the mass affluent get the worst of both worlds, why gold just earned a permanent seat in your portfolio, and why timing the market is a fool's errand professionals gave up on long ago. Stop parking your future. Start compounding it.

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

Highlights:

01:03 The underserved mass affluent

03:24 Real world cost of idle cash

07:33 Rethinking the 60/40 portfolio

11:31 Singapore’s cash obsession

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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 Stephanie Leung, chief investment officer, StashAway

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.

We obsess over what to buy, but when it’s time to sell—or hold—we often freeze. Market volatility shouldn't trigger a panic-induced sell-off, yet emotion frequently overrides strategy. In this episode of Money Hacks, Howie Lim, Ritesh Ganeriwal, and Kenneth Chan dissect the crucial "portfolio check-in."

Learn how to filter signal from noise, why "doing nothing" is a strategic superpower, and exactly when your original plan needs a tune-up. Stop guessing and start managing.

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

Highlights:

01:00 Mastering the when as well as what

05:33 How to know when our portfolio needs a tune up

09:42 When doing nothing is ok

12:44 The sign your original plan needs an overhaul

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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 Ritesh Ganeriwal, head of investment advisory at Syfe and Kenneth Chan, associate financial planner at PhillipCapital

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.

Speed is everything in investing—but is it actually the enemy of wealth? We’re conditioned to trust human advisors, but what if your portfolio manager, tax expert, and risk officer was a cold, calculating AI?

Howie Lim speaks with 8FIGURES founder Andrew Izyumov to ask: can AI truly cure emotional trading habits, or is it just an "artificial sycophant"? Should we let an algorithm manage your future?

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

Highlights:

01:04 The trust gap

04:01 The incentive trap

08:43 When AI agents disagree

11:28 AI calms investors?

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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 Andrew Izyumov, founder of 8FIGURES

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.

Retrenchment isn't just a career setback; it's a financial and psychological earthquake. Howie Lim speaks with clinical psychologist Dr Annabelle Chow about navigating the initial shock. What is the single biggest financial mistake most make in the first 48 hours and how to stop panic from driving your decisions?

From mastering the "3-bucket" survival strategy to separating your identity from your paycheck, and moving from fear to clarity. Don’t let uncertainty manage your future. Reclaim your financial agency—because while jobs go, your security shouldn't.

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

Highlights:

01:06 The #1 financial mistake after job loss

05:01 Untouchable when money's tight

07:50 Separating identity from paycheck

11:19 Pivoting careers without panic-driven decisions

13:32 The 3-bucket approach to surviving a layoff

19:30 One small financial win to regain control

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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 Dr Annabelle Chow, clinical psychologist, Annabelle Psychology

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim, Chai Pei Chieh and Nicole Teo

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.

Sudden windfall? Congratulations — now don't screw it up. Let’s tackle the messy reality of instant wealth: the 30-day rule before making any big moves, why "generous relative energy" can drain your fortune fast, and the emotional identity crisis nobody warns you about.

RBC's Gautam Chadda breaks down guilt-free spending, family giving frameworks, and staying rich long after the confetti settles.

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

Highlights:

01:49 Doing nothing: the smartest move

05:15 Net worth vs. self-worth

09:55 The boring paperwork that protects

13:19 Guilt-free spending: budget for fun

18:27 Money will test a marriage

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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 Gautam Chadda, executive director, RBC Wealth Management Asia

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim, Chai Pei Chieh and Nicole Teo

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.