Synopsis: Every first and third Monday of the month, get a head start in your personal finance, career and life with The Straits Times.
Podcasters: Sue-Ann Tan & See Kai Wen
Produced & edited by: Amirul Karim
Executive producer: Elizabeth Law
A podcast by The Straits Times, SPH Media.
S2E53: You'll never be able to outrun money: why chasing a salary alone won't get you rich or wealthy
Invest but keep enough liquidity to help you sleep at night.
In this episode, we look into the concept of liquidity. Everyone tells us to invest, but how much is enough and how much should we leave behind for a rainy day? What about saving for BTO and other commitments?
Hosts Kai Wen and Sue-Ann speak to guest Bryan Low, Managing Director and Head of International Wealth Management for Singapore at KGI about what liquidity really means, types of investments and how liquid they are, and if you should just keep all your money in savings accounts for fear of that rainy day.
Highlights (click/tap above):
0:00 Intro
1:08 How much cash do we really need
5:00 Liquidity vs cash
9:30 Investments that are less liquid
12:50 Risk profile differs according to age
15:15 But what if I need to pay for my BTO?
22:55 The intersection between your life and wealth
28:00 How much to keep in the bank
Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ (https://str.sg/qfwqQ)
Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X (https://str.sg/A86X)
Read Sue-Ann Tan's articles: https://str.sg/mvSa (https://str.sg/mvSa)
Hosts: See Kai Wen (seekw@sph.com.sg (mailto:seekw@sph.com.sg)) and Sue-Ann Tan (suetan@sph.com.sg (mailto:suetan@sph.com.sg))
Produced & edited by: Amirul Karim
Executive producer: Elizabeth Law
Follow the Headstart On Record Podcast here:
Channel: https://str.sg/wB2m (https://str.sg/wB2m)
Apple Podcasts: https://str.sg/wuN3 (https://str.sg/wuN3)
Spotify: https://str.sg/wBr9 (https://str.sg/wBr9)
YouTube: https://str.sg/3psqrx (https://str.sg/3psqrx)
Feedback to: podcast@sph.com.sg (mailto:podcast@sph.com.sg)
Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl (http://str.sg/headstart-nl)
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Follow more ST podcast channels:
All-in-one ST Podcasts channel: https://str.sg/wvz7 (https://str.sg/wvz7)
Get more updates: http://str.sg/stpodcasts (http://str.sg/stpodcasts)
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Get The Straits Times app, which has a dedicated podcast player section:
The App Store: https://str.sg/icyB (https://str.sg/icyB)
Google Play: https://str.sg/icyX (https://str.sg/icyX)
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Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
---
#headstart
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
28 Sept 2026
S2E52: Why it's hard saying no to your boss' Instagram follow request
What are the repercussions of adding your boss and colleagues on social media?
In this episode, Kai Wen and Sue-Ann discuss the nuances of adding your colleagues and supervisor on social media.
While there are benefits to sharing your personal life with them on these platforms, should we also be wary that they might use the information against us?
Highlights (click/tap above):
0:00 Introduction and personal experiences with bosses on socials
3:00 Power dynamics of social media
6:08 Online public vs private personas
8:56 Are there any pros to adding your boss on social media?
9:58 What do people use social media for?
15:32 Navigating social media boundaries with bosses and colleagues
Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ (https://str.sg/qfwqQ)
Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X (https://str.sg/A86X)
Read Sue-Ann Tan's articles: https://str.sg/mvSa (https://str.sg/mvSa)
Hosts: See Kai Wen (seekw@sph.com.sg (mailto:seekw@sph.com.sg)) and Sue-Ann Tan (suetan@sph.com.sg (mailto:suetan@sph.com.sg))
Produced & edited by: Amirul Karim
Executive producer: Elizabeth Law
Follow the Headstart On Record Podcast here:
Channel: https://str.sg/wB2m (https://str.sg/wB2m)
Apple Podcasts: https://str.sg/wuN3 (https://str.sg/wuN3)
Spotify: https://str.sg/wBr9 (https://str.sg/wBr9)
YouTube: https://str.sg/3psqrx (https://str.sg/3psqrx)
Feedback to: podcast@sph.com.sg (mailto:podcast@sph.com.sg)
Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl (http://str.sg/headstart-nl)
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel: https://str.sg/wvz7 (https://str.sg/wvz7)
Get more updates: http://str.sg/stpodcasts (http://str.sg/stpodcasts)
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: https://str.sg/icyB (https://str.sg/icyB)
Google Play: https://str.sg/icyX (https://str.sg/icyX)
---
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
---
#headstart
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
21 Sept 2026
S2E51: When friends drift apart or fall out, the self-blame and grief can hurt more than a breakup
Our friend circles shrink as we get older. How do we deal with it?
In this episode, therapist Cao Zhikai shares how we can deal with losing friends as we enter adulthood, and what we can do to combat that feeling of loss. She also shares about the grief of friendship breakups, which don’t often get given enough attention in a society that prioritises romantic relationships.
Hosts Kai Wen and Sue-Ann discuss why it’s nerve-wrecking making friends as adults, yet having the payoff of a purposeful adult connection is worth it.
Highlights (click/tap above):
0:00 Introduction
0:32 Shrinking adult friend circles?
4:35 Why proximity matters
8:39 The grief of losing friends
16:26 Being intentional in keeping friendships alive
24:39 Do friends serve a purpose?
28:10 The fears of making new friends as adults
33:59 Meeting new people in a non-romantic way
Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ (https://str.sg/qfwqQ)
Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X (https://str.sg/A86X)
Read Sue-Ann Tan's articles: https://str.sg/mvSa (https://str.sg/mvSa)
Hosts: See Kai Wen (seekw@sph.com.sg (mailto:seekw@sph.com.sg)) and Sue-Ann Tan (suetan@sph.com.sg (mailto:suetan@sph.com.sg))
Produced & edited by: Amirul Karim
Executive producer: Elizabeth Law
Follow the Headstart On Record Podcast here:
Channel: https://str.sg/wB2m (https://str.sg/wB2m)
Apple Podcasts: https://str.sg/wuN3 (https://str.sg/wuN3)
Spotify: https://str.sg/wBr9 (https://str.sg/wBr9)
Feedback to: podcast@sph.com.sg (mailto:podcast@sph.com.sg)
Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl (http://str.sg/headstart-nl)
---
Follow more ST podcast channels:
All-in-one ST Podcasts channel: https://str.sg/wvz7 (https://str.sg/wvz7)
Get more updates: http://str.sg/stpodcasts (http://str.sg/stpodcasts)
Watch Headstart On Record Podcast on YouTube: https://str.sg/3psqrx (https://str.sg/3psqrx)
---
Get The Straits Times app, which has a dedicated podcast player section:
The App Store: https://str.sg/icyB (https://str.sg/icyB)
Google Play: https://str.sg/icyX (https://str.sg/icyX)
---
Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.
---
#headstart
See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.
Who has been a guest on Your Money & Career
Names identified in recent episode analyses. Showing up to five guests.
Megan Wee
Loh Wanyun
Ernest Luis
Noel Png
Parameswari Seenivasan
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
YouTube views
459,929,262
Score snapshot 15 Sept 2025
Apple Podcasts (US)
5.0 / 5
1 ratings
Spotify
4.4 / 5
5 ratings
Podcast Authority Score: 70 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
71
Social presence
0
YouTube
93
Engagement
81
Contact Your Money & Career
Guest appearances
Books guests
Based on episode analysis; this does not confirm that the show is currently accepting guests.
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