TFC Singapore Budget Debate

About TFC Singapore Budget Debate

We're here to deliver an alternative voice to breathe life into the (typically) stodgy world of finance. Introducing TFC Singapore Budget Debate where we'll be taking a fresh and alternative approach to discussing the Singapore Budget. No boring numbers or dry analysis here—it’s all about making finance accessible, entertaining, and most importantly, offbeat. And if that's not enough to get you excited, we've had some amazing friends joining us on the show to share their unfiltered thoughts on Budget. Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

Publisher

The Financial Coconut

Category

education · government · news

Language

en

Explicit

No

First episode

21 Mar 2023

Latest episode

25 Feb 2026

Latest episodes

18 episodes in the feed.

1. 

   25 Feb 2026

   Can this CPF Update Finally Resolve Financial Anxiety of the Middle Class? [Chills 255, SG Budget 2026 Debate ft Anthea Ong]

   We are talking about Singapore’s structural anxiety, its link to finances, and how the latest national budget impacts everyone - from working professionals to families. Join host Reggie, aka your Chief Financial Coconut, and an expert panel as they break down the burning issue of the day. Meet the Guests: Alex Lee: Former CFO and insurance expert, diving deep into retirement realities and the pressures of achieving “financial freedom”. Dr Kalpana Vignehsa: Institute of Policy Studies, Senior research fellow at NUS, unpacking why Singapore's youth are increasingly anxious and the consequences for family and relationships. Anthea Ong: Former MP and corporate leader, blending her experience to explore how public and private sector insights can reshape policies for a more inclusive society. We discuss: Why professional anxiety is affecting decisions around retirement, relationships, and family planning. The policy shifts in the latest budget, do they address our growing wellbeing crisis? Why mental health and wealth inequality should be front and center in national conversations. Don’t miss out! Tune in to hear from these passionate experts who will challenge your views on economic growth, security, and the real cost of living. 🔊 Listen now to the full conversation! --- 🎧 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 Spotify (https://rebrand.ly/TFC-spotify) Apple Podcast (https://rebrand.ly/TFC-applepodcast) YouTube (https://rebrand.ly/TFC-youtube) 🔗 CONNECT WITH US Get daily tips, insights, and community: Instagram (https://rebrand.ly/TFC-instagram) TikTok (https://rebrand.ly/TFC-tiktok) Telegram (https://rebrand.ly/TFC-telegram) Whatsapp (https://rebrand.ly/TFC-Whatsapp-channel) Newsletter (https://rebrand.ly/TFC-Newsletter) 📺 MORE FROM OUR NETWORK Discover our other shows and deep dives on YouTube (https://www.youtube.com/@TheFinancialCoconutTFC/playlists) ⚠️ 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 (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

2. 

   24 Feb 2026

   How To Get More Youths To Start Their Own Business Today? [TBS 50, SG Budget 2026 Debate]

   Dive into the latest Singapore Budget and its impact on youth entrepreneurship, tackling the challenges and opportunities in today's market. Join our guests as they share their unique insights into the changing landscape of work and entrepreneurship. Chua Pei Ying, APAC Head Economist at LinkedIn, Simarna Singh, Regional (APAC) Healthcare Sustainability Manager & Client Partnerships at DKSH, and Eugene Chia, COO & Co-Founder of Ecovolt Here’s what you can expect: The challenges facing youth in the current job market, including the struggles post-graduation and the gap between academic preparation and job readiness. How AI is transforming the entrepreneurial space and making entrepreneurship more accessible. The vital role of mentorship and networking in navigating the entrepreneurial journey. Insights on the growth mindset and its importance in future-proofing careers, whether you’re working in a corporate job or building your own business. Don't miss this thought-provoking conversation that highlights how the current #budget2026 could support youth-led startups and shape the future of work. Tune in for key takeaways and inspiration! --- 🎧 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 Spotify (https://rebrand.ly/TFC-spotify) Apple Podcast (https://rebrand.ly/TFC-applepodcast) YouTube (https://rebrand.ly/TFC-youtube) 🔗 CONNECT WITH US Get daily tips, insights, and community: Instagram (https://rebrand.ly/TFC-instagram) TikTok (https://rebrand.ly/TFC-tiktok) Telegram (https://rebrand.ly/TFC-telegram) Whatsapp (https://rebrand.ly/TFC-Whatsapp-channel) Newsletter (https://rebrand.ly/TFC-Newsletter) 📺 MORE FROM OUR NETWORK Discover our other shows and deep dives on YouTube (https://www.youtube.com/@TheFinancialCoconutTFC/playlists) ⚠️ 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 (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

3. 

   22 Feb 2026

   What Budget 2026 Isn’t Saying About the Job Market [W&S 157, SG Budget 2026 Debate]

   Get ready for an insightful episode where we break down the Budget 2026 and its potential impact on the workforce and economy. This isn’t your typical budget discussion. We’re diving deep into AI, labour market shifts, and future career trends. Meet the Experts: Hui Wen Woo: A Recruiter; Director at Binoculer, sharing insights into how the job market has become more complicated than ever. Dr. Pinchuan Ong: An assistant Prof at NUS Business School, offering a macro view of how AI is reshaping industries and careers. Somnath Kansabanik: Senior Leader in Energy Transition. A former full-time employee turned fractional career consultant, discussing the rise of the gig economy and its place in the current budget. What to Expect: How AI is influencing jobs, from displacement concerns to upskilling opportunities. The reality behind layoffs, especially in tech and finance, and what industries are hiring. Key budget measures that could impact your future career, whether you're in a traditional role or shifting to a more flexible, fractional career. Don’t miss this thought-provoking conversation on the future of work! Tune in now! --- 🎧 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 Spotify (https://rebrand.ly/TFC-spotify) Apple Podcast (https://rebrand.ly/TFC-applepodcast) YouTube (https://rebrand.ly/TFC-youtube) 🔗 CONNECT WITH US Get daily tips, insights, and community: Instagram (https://rebrand.ly/TFC-instagram) TikTok (https://rebrand.ly/TFC-tiktok) Telegram (https://rebrand.ly/TFC-telegram) Whatsapp (https://rebrand.ly/TFC-Whatsapp-channel) Newsletter (https://rebrand.ly/TFC-Newsletter) 📺 MORE FROM OUR NETWORK Discover our other shows and deep dives on YouTube (https://www.youtube.com/@TheFinancialCoconutTFC/playlists) ⚠️ 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 (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

4. 

   17 Feb 2026

   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 Spotify (https://rebrand.ly/TFC-spotify) Apple Podcast (https://rebrand.ly/TFC-applepodcast) YouTube (https://rebrand.ly/TFC-youtube) 🔗 CONNECT WITH US Get daily tips, insights, and community: Instagram (https://rebrand.ly/TFC-instagram) TikTok (https://rebrand.ly/TFC-tiktok) Telegram (https://rebrand.ly/TFC-telegram) Whatsapp (https://rebrand.ly/TFC-Whatsapp-channel) Newsletter (https://rebrand.ly/TFC-Newsletter) 📺 MORE FROM OUR NETWORK Discover our other shows and deep dives on YouTube (https://www.youtube.com/@TheFinancialCoconutTFC/playlists) ⚠️ 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 (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

5. 

   15 Feb 2026

   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 Spotify (https://rebrand.ly/TFC-spotify) Apple Podcast (https://rebrand.ly/TFC-applepodcast) YouTube (https://rebrand.ly/TFC-youtube) 🔗 CONNECT WITH US Get daily tips, insights, and community: Instagram (https://rebrand.ly/TFC-instagram) TikTok (https://rebrand.ly/TFC-tiktok) Telegram (https://rebrand.ly/TFC-telegram) Whatsapp (https://rebrand.ly/TFC-Whatsapp-channel) Newsletter (https://rebrand.ly/TFC-Newsletter) 📺 MORE FROM OUR NETWORK Discover our other shows and deep dives on YouTube (https://www.youtube.com/@TheFinancialCoconutTFC/playlists) ⚠️ 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 (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

6. 

   4 Mar 2025

   Distributed Workforce, JS-SEZ, Singapore Budget 2025 Fuels Business Growth [ft. ASME, Debbie Yong, AYP Group]

   Are your business ambitions outgrowing Singapore's shores? You're not alone. In our latest episode, we dive deep into the challenges and opportunities facing Singaporean SMEs looking to expand regionally. Join our host Reggie as he discusses with industry experts: - Jolin Nguyen, Managing Director of AYP Group, specialising in helping companies expand across 14 Asia-Pacific countries - Debbie Yong, Founder, Atypical Media, former journalist and brand strategist who's covered Singapore's F&B and retail scene for over a decade, and - Mr. Ang Yuit, President of ASME (Association of Small Medium Enterprises) We'll explore: - Why many SMEs struggle to move beyond "zero to one" thinking - Surprising insights about regional expansion costs vs Singapore - How some businesses are successfully scaling through strategic partnerships - The truth about government support schemes—what's working and what's not Discover why internationalisation might be easier (and harder) than you think. Tune in now to learn how Singaporean SMEs can truly compete in the regional market! Drop your questions below! Which Budget 2025 initiative are you most excited about for taking your business global? Available on all podcast platforms. Drop your hot takes after listening Also, ask us anything today! and best questions will be selected to be personally answered by our expert network! Send us your questions here: https://www.thefinancialcoconut.com/ask-us 05:09 What challenges do businesses face when trying to scale? 06:12 What stands out in this year’s budget for businesses? 14:38 Can you share examples of businesses expanding successfully? 24:08 Should SMEs take a different approach when entering new markets? 35:20 What’s your top advice for SMEs going international? --- Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. 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 [Podcast, Vodcast] Spotify: https://rebrand.ly/TFC-spotify Apple Podcast: https://rebrand.ly/TFC-applepodcast YouTube: https://rebrand.ly/TFC-youtube [Connect with us] Instagram: https://rebrand.ly/TFC-instagram Tik Tok: https://rebrand.ly/TFC-tiktok Telegram: https://rebrand.ly/TFC-telegram Whatsapp: https://rebrand.ly/TFC-Whatsapp-channel Newsletter: https://rebrand.ly/TFC-Newsletter Check out our other shows: https://www.youtube.com/@TheFinancialCoconutTFC/playlists 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 (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

7. 

   2 Mar 2025

   50,000 BTO, transaction slowdown and falling interest rates. What’s the story?

   We debate if current income ceilings make sense anymore and share some controversial thoughts on Budget 2025. Joining us are: - Professor Sumit Agarwal from NUS Business School, author of the popular Kiasunomics series. He brings 25 years of mortgage expertise to the table! - Kuanyu Tan, 99.co CEO sharing his fresh perspective as a first-time homebuyer navigating the system. - David Baey, CEO of Mortgage Master, an industry veteran who's been in mortgages for 15 years. We'll be unpacking: - Why this year's budget had surprisingly little on housing - The impact of 20,000 new BTOs coming to market - Whether HDBs should really be viewed as lottery tickets - What's really driving property price increases across Singapore It's a no-holds-barred discussion full of laughs, real talk and unique perspectives you won't hear anywhere else. Tune in now to get the inside scoop on Singapore's property market! Available on all podcast platforms. Drop your hot takes after listening. Also, ask us anything today! and best questions will be selected to be personally answered by our expert network! Send us your questions here: https://www.thefinancialcoconut.com/ask-us 00:00 - Introduction 03:14 - Given the budget’s limited focus on housing, are current policies sufficient to ensure affordability? 08:09 - How will the budget impact first-time buyers, homeowners, and property investors? 17:22 - How does the BTO system impact life decisions, and how should its profit mechanics be managed for affordability? 24:56 - How are current property market trends and mortgage rates evolving, given global interest rate influences? 30:26 - How do you see long-term interest rates evolving, and what impact will they have on homeowners and the housing market? --- Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. 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 [Podcast, Vodcast] Spotify: https://rebrand.ly/TFC-spotify Apple Podcast: https://rebrand.ly/TFC-applepodcast YouTube: https://rebrand.ly/TFC-youtube [Connect with us] Instagram: https://rebrand.ly/TFC-instagram Tik Tok: https://rebrand.ly/TFC-tiktok Telegram: https://rebrand.ly/TFC-telegram Whatsapp: https://rebrand.ly/TFC-Whatsapp-channel Newsletter: https://rebrand.ly/TFC-Newsletter Check out our other shows: https://www.youtube.com/@TheFinancialCoconutTFC/playlists 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 (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

8. 

   26 Feb 2025

   Millennials And The 2050 Retirement Deadline: What You Need To Know Now [ft HCA Hospice & MoneyOwl]

   A topic that's top of mind for many Singaporeans - retirement planning and what it really means to retire well in Singapore today. Our panel of experts: - Daphne Lye, Financial Planning Solutions Lead at MoneyOwl - Dr Chong Poh Heng MD, HCA Hospice, who brings over 35 years of experience in end-of-life care - Ashok Samuel, Ex GIC Head of Private Equity Risk with 30 years in private equity experience, now retiree in his late 50s, offers a personal perspective on the realities of retiring in Singapore and the wisdom he’s gained along the way Episode highlights: - Why traditional notions of retirement feel uninspiring to many millennials - The evolving landscape of retirement planning beyond just CPF Life and insurance schemes - How to balance living well now while preparing for future healthcare needs - And some candid conversations about end-of-life planning that you won't hear anywhere else 03:59 What does hospice care actually involve? 05:56 What advice comes from those near the end of life? 09:51 How well do current retirement schemes support Singaporeans? 12:17 How can retirees manage rising healthcare costs? 18:29 How does Singapore compare to other retirement destinations? 21:03 How much should Singaporeans save for retirement? 29:28 What factors make retirees relocate from Singapore? From financial strategies to emotional considerations, we cover the practical realities of retiring in Singapore today while challenging conventional thinking. This is one conversation about retirement you don't want to miss. Tune in now to get inspired and empowered to rethink your own retirement journey! Available on all podcast platforms. Drop your hot takes after listening. Also, ask us anything today! and best questions will be selected to be personally answered by our expert network! Send us your questions here: https://www.thefinancialcoconut.com/ask-us --- Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. 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 [Podcast, Vodcast] Spotify: https://rebrand.ly/TFC-spotify Apple Podcast: https://rebrand.ly/TFC-applepodcast YouTube: https://rebrand.ly/TFC-youtube [Connect with us] Instagram: https://rebrand.ly/TFC-instagram Tik Tok: https://rebrand.ly/TFC-tiktok Telegram: https://rebrand.ly/TFC-telegram Whatsapp: https://rebrand.ly/TFC-Whatsapp-channel Newsletter: https://rebrand.ly/TFC-Newsletter Check out our other shows: https://www.youtube.com/@TheFinancialCoconutTFC/playlists 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 (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

9. 

   25 Feb 2025

   SME Towkays Capitalising On SG Budget 2025! [ft Hasan Abdul Rahman, Celine Ng, Jun Yi Lee]

   Curious about how Singapore's budget impacts small businesses? Join us and guests as we tackle crucial questions: How can SMEs maximise CDC vouchers? What's the real impact of grants and subsidies? And what innovative strategies are businesses using to attract both Gen Z talent and senior workers? Hasan Abdul Rahman, Managing Director or Pondok Abang, sharing insights from the F&B industry Celine Ng, Creative Director Fraction Design Pte. Ltd, discussing sustainable event solutions Junyi Lee, Creative Builder of Cammunity x Gram Videos, offering perspectives on creative media production Our panel also explore internationalization efforts, digital transformation, and manpower challenges facing today's entrepreneurs. Want to know how successful businesses are navigating these complex issues? Tune in for an engaging discussion full of practical insights and forward-looking strategies that could transform your business approach Available on all podcast platforms. Drop your hot takes after listening. Also, ask us anything today! and best questions will be selected to be personally answered by our expert network! Send us your questions here: https://www.thefinancialcoconut.com/ask-us (https://www.thefinancialcoconut.com/ask-us) 06:12 What are your thoughts on the latest national budget from an SME business owner’s perspective? 07:55 How have CDC vouchers affected consumer behavior and business revenue in your industry? 17:42 How have government grants, such as MRA, helped SMEs expand and improve productivity? 21:54 What are the key challenges SMEs face in international expansion? 28:00 How do you balance hiring local talent, automation, and outsourcing to improve SME productivity 34:00 What advice do you have for SMEs navigating grants, government support, and economic uncertainties? --- Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. 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 [Podcast, Vodcast] Spotify: https://rebrand.ly/TFC-spotify Apple Podcast: https://rebrand.ly/TFC-applepodcast YouTube: https://rebrand.ly/TFC-youtube [Connect with us] Instagram: https://rebrand.ly/TFC-instagram Tik Tok: https://rebrand.ly/TFC-tiktok Telegram: https://rebrand.ly/TFC-telegram Whatsapp: https://rebrand.ly/TFC-Whatsapp-channel Newsletter: https://rebrand.ly/TFC-Newsletter Check out our other shows: https://www.youtube.com/@TheFinancialCoconutTFC/playlists 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 (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

10. 

    23 Feb 2025

    Reskilling isn’t working, PMEs focus on Industrial policies! #budget2025

    Is SkillsFuture really helping Singaporeans stay employable, or is it just a Band-Aid solution? Join us as we dive deep into the realities of Singapore’s job market, retrenchments, and whether the government’s policies are truly bridging the gap for workers in crisis. Reggie (a.k.a. The Financial Coconut) is joined by: - Adrian Tan, Author - “No More Bosses", Fractional CMO, sharing insights on self-employment and the gig economy. - Kai Ning Lim, Co-founder & CEO of The Courage Chapter, a platform that helps senior professionals transition to their second chapters through meaningful flexible projects with companies, for greater business impact. - Puay Lim Yeo, Partner, Talentkraft, and former business leader at Glint, offering a fresh perspective on career transitions and workforce challenges. Key points teased: - SkillsFuture Under the Microscope: Is it promoting lifelong learning or just a buzzword? - Retrenchment Realities: How are middle managers and professionals coping in a shaky job market? - Career Conversion Programs: Do they actually help people switch industries, or are they just a temporary fix? - The SME Lifeline: Why small businesses might be the unexpected heroes in hiring returnees and older workers. - AI vs. Humans: Is the rise of artificial intelligence making traditional jobs obsolete? From heated debates about government grants to raw stories of career pivots, this episode is packed with unfiltered insights and actionable advice for anyone navigating Singapore’s ever-changing job landscape. 00:00 Intro 02:21 What key takeaways on employment did you get from the budget? 11:26 Does the SkillsFuture system need improvement? 13:44 How can we improve career conversion programs? 22:29 Thoughts on career conversion programs and how effective is it? 30:45 Is Singapore’s job market strategy too broad? Don’t miss out—whether you’re a job seeker, employer, or just curious about the future of work in Singapore. Hit subscribe and tune in to this must-listen conversation. "The job market is tough, but understanding it doesn’t have to be." Available on all podcast platforms. Also, ask us anything today! and best questions will be selected to be personally answered by our expert network! Send us your questions here: https://www.thefinancialcoconut.com/ask-us --- Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. 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 [Podcast, Vodcast] Spotify: https://rebrand.ly/TFC-spotify Apple Podcast: https://rebrand.ly/TFC-applepodcast YouTube: https://rebrand.ly/TFC-youtube [Connect with us] Instagram: https://rebrand.ly/TFC-instagram Tik Tok: https://rebrand.ly/TFC-tiktok Telegram: https://rebrand.ly/TFC-telegram Whatsapp: https://rebrand.ly/TFC-Whatsapp-channel Newsletter: https://rebrand.ly/TFC-Newsletter Check out our other shows: https://www.youtube.com/@TheFinancialCoconutTFC/playlists 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 (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

11. 

    20 Feb 2025

    TFC Reacts to Singapore Budget 2025, What Was Unsaid? [ft Sher-li Torrey & Imran Johri]

    Is the 2025 Singapore Budget a lifeline for families, a gamble on nuclear energy, or a wake-up call for Singapore’s workforce? Tune in as we unpack the hidden layers of this year’s fiscal blueprint—no jargon, just real talk. Join host Reggie (aka Chief Financial Coconut) and guests: Anthony, co-host of TFC Market Updates, and Energy Infrastructure Lawyer Sher-li Torrey, Founder of Mums@Work Singapore, championing women’s rights and caregiver struggles Imran Johri, Marketing Director at BigFundr, dissecting investment trends and economic realities Episode highlight: AI vs. Ageism: Can reskilling save mid-career workers, or is it just lip service? Cash or Community? The CDC voucher debate—helping households or fueling inflation? Nuclear Power on the Table: Why Singapore’s sudden pivot to atomic energy is raising eyebrows. Caregiver Crisis: New grants for families—are they enough to ease the burnout of “sandwich generation” parents? From heated debates about fiscal prudence to raw stories of balancing kids, careers, and aging parents—this isn’t your typical budget analysis. Don’t miss out—whether you’re a policy wonk, a stressed parent, or just curious where your tax dollars are going. Hit subscribe and join the unfiltered conversation now. Available on all podcast platforms. Drop your hot takes after listening—we dare you. Also, ask us anything today! and best questions will be selected to be personally answered by our expert network! Send us your questions here: https://www.thefinancialcoconut.com/ask-us (https://www.thefinancialcoconut.com/ask-us) 03:28 - What aspect of the Budget stood out to you in terms of its impact on the economy? 12:57 - Do you believe Singapore’s emphasis on energy independence through nuclear power and small modular reactors is a realistic solution? 18:55 - Given the government's focus on sectors such as finance, high-end manufacturing, research, and logistics, how should Singaporeans prepare for potential structural shifts in employment? 24:50 - Do you think the government's proposed tax incentives for SGX listings will significantly enhance Singapore’s position as a financial hub? 29:24 - From your perspective as a parent, were there any family-related policies in the Budget that particularly stood out to you? 31:54 - At what point would state spending on families be considered "sufficient," and should the government aim to cover basic needs or enable families to thrive? 40:24 - How do you view the adequacy of support provided to caregivers, particularly those balancing childcare and elderly care responsibilities? --- Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. 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 (https://linkin.bio/thefinancialcoconut) 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 (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

12. 

    28 Feb 2024

    2044's Singapore Dream is to aspire for More Than Survival [ft. RICE Media, NUS, @AinLovesCodes]

    What does it really mean to be middle class in Singapore today? It's a question on so many minds as costs rise and definitions blur. Join us this week as we pull back the curtain on this complex issue. We've assembled an all-star panel ranging from number-crunching academics to seasoned hustlers living the middle class dream. We've got Khai, MD of RICE Media; Tan En Ser, an appointed Justice of the Peace in 2013, author, and Associate Professor with IPS; and Ainul, a tech influencer with insider knowledge on thriving careers in the tech industry. They'll spill insights into the role of social circles in success, or how to balance family with self-care on a budget. We'll also tackle tough questions people are afraid to ask: Is the middle truly shrinking or expanding in new ways? But that's not all! We'll delve into the intriguing concept of the Gini Coefficient, a measure of inequality that will leave you questioning the status quo. Find out how government transfers play a vital role in reshaping societal dynamics and creating a fairer playing field. And brace yourself for an eye-opening discussion on progressive tax systems and the redistribution of wealth. How can we create a more balanced society that supports working parents and offers assistance to those in need? Tune in to thought-provoking exploration of the middle-class good life in 2024 that you won't want to miss it. Also sign up for our event and learn more about Retirement, and how to Die with Zero on 23 March 2024, tickets here: https://thefinancialcoconut.com/event/tfc-x-ocbc-financial-wellness-festival-2024/ Help us get to know you better: http://bit.ly/thefinancialcoconut-survey (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

13. 

    25 Feb 2024

    Retirement Real Talk: Is CPF a reliable partner for all Singaporeans? [ft. IPS, Pergas, Providend]

    The hottest retirement topics in Singapore lately - changes to CPF savings rules and what it means for your future. As many of you know, the government recently updated how CPF funds can be used after age 55. But is the news as bad as some make it out to be? We brought together a panel of financial experts to cut through the noise. You'll hear from Christopher Gee, Deputy Director and Senior Research Fellow at the Institute of Policy Studies at IPS, Christopher Tan, wealth adviser and CEO of Providend, and an advisor specialising in Islamic investing, Dr Shamsiah Abdul Karim, CEO at Pergas Investment Holdings. They'll be sharing their insights and opinions on the controversial CPF shielding issue that has been making waves online. We get candid about the anxiety many feel, not knowing if they'll have enough later in life. Alternative solutions are explored, as are the challenges of balancing individual interests with societal responsibilities. So if you want level-headed insight into trends impacting your retirement planning, don't miss this episode. We cover all the angles of CPF in an engaging yet easy-to-understand way. One listen may just help ease some of your worries about the future. Tune in to hear our thought-provoking discussion. It's time to take a deep dive into the world of retirement and CPF shielding. Tune in and be part of the conversation! Also, sign up for our event on 23 March, link here: https://thefinancialcoconut.com/event/tfc-x-ocbc-financial-wellness-festival-2024/ Help us get to know you better: http://bit.ly/thefinancialcoconut-survey (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

14. 

    21 Feb 2024

    Examining the Survival of the Property Ladder in Singapore's Budget

    Is the Singapore Dream still within reach? For generations, home ownership has been both an aspiration and investment strategy for Singaporeans but these days, many feel like the bar keeps getting raised. Between skyrocketing prices and tighter government policies, achieving that dream seems out of reach than ever before. On our latest episode, we’re bringing together experts: Prof Kwan Ok Lee, Associate Prof & Dean's Chair at NUS, and Nicholas Huang, real estate consultant to debate whether the traditional property ladder most Singaporeans grew up with is still viable. Can average workers realistically expect to upgrade from an HDB flat to a condo over time? What about larger goals like retiring comfortably on investment properties? Is that not feasible anymore? Hear the lively discussion on the realities of affordability, the challenges first-time buyers now face and how recent cooling measures may be reshaping the path to homeownership long-term. We also get candid insider perspectives on what barriers everyday Singaporeans now perceive and how policies could impact future generations. Tune in as we dissect whether homeownership aspirations are being fundamentally disrupted or if with some strategic manoeuvring, the Singapore Dream can still come true with a little patience and planning. Listen now and don’t miss this insightful debate on the state of property and the future of housing in the Lion City. — Welcome to The Financial Coconut, your source for empowering financial knowledge and unlocking possibilities. 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 (https://linkin.bio/thefinancialcoconut) [Podcast, Vodcast] Spotify: https://rebrand.ly/TFC-spotify (https://rebrand.ly/TFC-spotify) Apple Podcast: https://rebrand.ly/TFC-applepodcast (https://rebrand.ly/TFC-applepodcast) YouTube: https://rebrand.ly/TFC-youtube (https://rebrand.ly/TFC-youtube) [Connect with us] Instagram: https://rebrand.ly/TFC-instagram (https://rebrand.ly/TFC-instagram) Tik Tok: https://rebrand.ly/TFC-tiktok (https://rebrand.ly/TFC-tiktok) Telegram: https://rebrand.ly/TFC-telegram (https://rebrand.ly/TFC-telegram) Whatsapp: https://rebrand.ly/TFC-Whatsapp-channel (https://rebrand.ly/TFC-Whatsapp-channel) Newsletter: https://rebrand.ly/TFC-Newsletter (https://rebrand.ly/TFC-Newsletter) Disclaimer: The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions. — This episode is Podcast Powered by Zoom. Audio partner with City Music https://www.citymusic.com.sg/ (https://www.citymusic.com.sg/) Audio quality delivered to you by Audio-Technica https://sea.audio-technica.com/ (https://sea.audio-technica.com/) Help us get to know you better: http://bit.ly/thefinancialcoconut-survey (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

15. 

    21 Mar 2023

    Singapore Budget 2023: Money, Meaning, and Making Sense From Success [The Alternative Budget 2023 Debates]

    Is “Forward Singapore” more of the same talk and no action? With cost of living on the massive rise, and our island becoming increasingly dense, success feels out of reach for some. Or is it a phenomenon of the next generation of Singapore, redefining what success means to us? We casually roll our eyes at “the Singaporean dream” and be like, Sian. But what do we really want? What does success mean to us today and what is a Singapore we want to create for our kids? it is not always the government, let’s talk. This episode is brought to you by TFC & RICE Media! Join us for the coming 2 weeks as we discuss our hopes and dreams for Singapore and give you the a different view of Budget 2023. We seek the expand the discussion and allow more perspectives to thrive as our nation decide how we spend our moolah! Actively comment on our telegram, Reddit and socials! We want to hear from you too! Discover more from the team at The Financial Coconut (including all our other shows): https://linktr.ee/thefinancialcoconut (https://linktr.ee/thefinancialcoconut) Check Out RICE Media too! https://www.ricemedia.co (https://www.ricemedia.co/) Check Out @SGBudgetBabe (https://www.instagram.com/sgbudgetbabe/) too! Help us get to know you better: http://bit.ly/thefinancialcoconut-survey (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

16. 

    21 Mar 2023

    A 'Singapore Made For Families': The Housing Disparity

    Would you say it’s affordable to live in Singapore? Most would say living in Singapore is rather expensive and costly but can the new elements introduced in the latest Singapore Budget 2023 make a difference in the lives of Singapore’s residences? In this episode we ask the question “Is it affordable to live in Singapore?” where we touch on various different topics from HDB Prices to is Singapore a place for you to pursue your dreams? For all other links mentioned, or to discover more from the team at The Financial Coconut (including all our other shows), go to https://linktr.ee/thefinancialcoconut 00:00 Intro 01:36 How Singaporean are you? 05:52 Will HDB prices ever come down? 10:25 Is living in Singapore affordable? 28:41 What is the Singaporean dream? 40:08 Is HDB fair? 46:46 Is Singapore still a place you can pursue your dream? 50:38 Is sharing the future of affordability in Singapore? 55:17 What is the Singapore you want to leave for next generation? --- The Financial Coconut started out as a reaction to online fake gurus who are propagating over simplified get rich quick programs. A Podcast that grew out of a desire to share best practices regarding personal finance turned into a network of content championing this idea of “Creating a life you love, while managing your finances well”. Help us get to know you better: http://bit.ly/thefinancialcoconut-survey (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

17. 

    21 Mar 2023

    Kids, Career and Budget 2023: Can Working Mums Have it All?

    How can we encourage youngsters to get married and have kids? Wah saying that out loud gives us goosebumps. Singapore’s fertility rate has once again made it into the parliamentary discussion. As the number of senior citizens in the country rapidly increases, and the total fertility rate stay depressed, is this a downward spiral for our nation? What practices can the Government implement to help us build strong loving families? More importantly, where is the love in nurturing Singapore families? Why does it always sound like an economic problem? Join us today as we sit down and have a chat with one of the BUSIEST moms we’ve ever met, Oniatta Effendi, and discuss what are the difficulties she faces as a working mom and how she maintains balance between work and family. Discover more from the team at The Financial Coconut (including all our other shows): https://linktr.ee/thefinancialcoconut (https://linktr.ee/thefinancialcoconut) Check Out RICE Media too! https://www.ricemedia.co (https://www.ricemedia.co/) Check out Baju by Oniatta https://galeritokokita.com/baju-by-oniatta/ (https://galeritokokita.com/baju-by-oniatta/) Help us get to know you better: http://bit.ly/thefinancialcoconut-survey (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

18. 

    21 Mar 2023

    As PAP Moves Economically Left, Should the Right Worry?

    Sometimes we feel like our leaders of the day do not listen to us, they push through policies that we may not like. But since 2011, many new policies like increasing property taxes, foreign labour quotas, raising income tax on the highest earners, supercar taxes, CPF life and increasing housing and family support all points to the PAP shifting economically “left”, albeit secretly. Is this the nation we want? Is the PAP finally listening to us and is experiencing a “moral awakening” ? On today’s episode, we sit down with Founder of Singapore’s biggest “left” publication, RICE Media, Mark and Walid from Teh tarik with Walid (Singapore’s top political podcast) to discuss Singapore’s changing economic and social structure and how do we the lay Singaporean manuver the changing landscape? For all other links mentioned, or to discover more from the team at The Financial Coconut (including all our other shows), go to https://linktr.ee/thefinancialcoconut (https://linktr.ee/thefinancialcoconut) 00:00 Intro 04:01 How Singaporean are you? 09:00 What is the definition of politically left & economically left？ 16:00 Do you think there is a moral awakening? 20:04 The idea of shifting economically left 33:23 Moving economically left To move politically right? 44:47 What is the Singapore you want to leave for next generation? --- The Financial Coconut started out as a reaction to online fake gurus who are propagating over simplified get rich quick programs. A Podcast that grew out of a desire to share best practices regarding personal finance turned into a network of content championing this idea of “Creating a life you love, while managing your finances well”. Help us get to know you better: http://bit.ly/thefinancialcoconut-survey (http://bit.ly/thefinancialcoconut-survey) Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.

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