The Financial Coconut Podcast

What does retirement actually look like when you've done it right? In this episode, we sit down with Nicole and Edward, a Singaporean couple in their early fifties who've been fully retired for four years. They didn't inherit wealth. They didn't go all in on crypto. They built their exit the slow, boring, brilliant way, and now they travel 120 days a year, ski across Japan, and still have the financial runway to prove it works.

But here's what makes this conversation different: they're not selling you a formula. Nicole spent decades in banking, watched every major financial...

This audio is for information purposes only and does not constitute or form part of any offer or invitation for sale or subscription of or solicitation or invitation of any offer to or recommendation to buy or subscribe for any securities. Any person wishing to subscribe for and/or acquire any securities in Kin Global Limited will need to make an application in the manner set out in the Offer Document dated 14 April 2026 registered by the SGX-ST, acting on behalf of the Monetary Authority of Singapore. You are responsible for your own investment choices. A copy of the Offer...

Could you actually "quit" the Singaporean rat race and still pull in a massive annual income?

Meet Evan Koh, the "nerdy engineer" and Founder of Stocks.cafe, who did exactly that. After a PhD and a decade-long stint in Japan, he returned to Singapore with a $200,000 annual passive income and a new mission: hitting the gym and living life on his own terms.

From building tools for investors to creating a life funded largely by passive income, Evan shares pieces of a story that might challenge how you think about work, money, and freedom.

Markets are volatile. Headlines are everywhere.

Oil prices are rising, geopolitics is heating up, and investors everywhere are trying to predict what happens next.

But what if trying to predict the market is the biggest mistake investors make?

How should you actually invest in a world that feels unpredictable?

Sit with Wei Dai, Global Head of Research, Dimensional Fund Advisors, to break down the science behind investing and why long-term strategies often beat trying to outguess the market.

Wei Dai leads a global research team studying how markets behave...

After nearly a year of conversations with founders, creators, and entrepreneurs, the TFC Business Show is wrapping up its current format.

But before we move into the next phase, we’re looking back at the most memorable stories, unexpected insights, and biggest lessons from the journey.

From founders who built businesses from scratch to creators turning passion into thriving ventures, this episode reflects on what it really takes to build something meaningful.

Expect honest reflections, behind-the-scenes moments, and a few unfiltered thoughts about entrepreneurship.

🔔 What’s Next

The TFC Busines...

After 160 episodes and 3 years of conversations, the entire Wise and Shine team is back together for one final discussion.

But this episode is different.

We’re sharing the real story behind the show, the lessons we learned, and why we’re pressing pause on the podcast… for now.

From its humble beginnings to becoming a platform for honest conversations about careers, personal growth, and the changing world of work, Wise and Shine has explored the realities that professionals face today.

But the world of work is changing faster than ever.

Hear...

Is talking about money before your wedding unromantic, or is it the ultimate act of love?

From 'death files' to treating a marriage like an M&A merger, we’re peeling back the layers on how to build a financially stable future without the awkwardness.

Dive into the uncomfortable but necessary conversations couples should have before and during marriage, and why avoiding them can lead to bigger problems later.

Joining us are:

Can technology make seasonal food available all year round without losing its freshness?

We sit down with Christopher Quek, VC, entrepreneur, and founder of Spike Durian, to explore how a simple obsession with durian led to an unexpected startup opportunity.

After two decades investing in startups, Christopher decided to jump back into the arena. What followed was a fascinating journey into food technology, AI-assisted freezing methods, and building a new kind of durian business.

From finding suppliers in Malaysia to launching the company in just three months, this episode dives deep into the...

Mental health is something many workplaces say they support today. But when it comes to actually sharing a diagnosis at work, many professionals still choose to stay silent.

Why is that?

Through an honest and thought-provoking discussion, we unpack the fears, trade-offs, and decisions people face when navigating their careers while managing their mental wellbeing.

Joining us for this conversation are two experienced voices in mental health:

🚨 Think you’re too smart to get scammed?

Think again.

Sit with Beaver Chua, Managing Director and Head of Group Anti-Fraud at OCBC Group - a former police officer now leading the fight against scams inside one of Singapore’s largest banks.

Many scam victims today aren’t careless. They’re educated professionals and investors who thought they knew better.

In this episode, we explore:

☕ Can a vending machine make café-quality coffee?

In this episode of The Financial Coconuts Business Show, we sit down with the founders of Flow Coffee, a startup challenging Singapore’s coffee scene with an unexpected idea: coffee vending machines that serve café-grade drinks made with fresh milk.

After noticing how expensive and inconvenient good coffee can be, Chang Wei Sheng (Founder & CEO) and Jarran Ng (Co-Founder & COO) set out to build a smarter solution, combining automation, technology, and clever operations to make quality coffee more accessible.

In less than a year, they’v...

Why do we say we want innovators… but still reward rule followers?

In this episode, we are joined by Patrick Lim, CEO of ACE.SG, and Ezekkious Loo, YSEALI Fellow; Winner of FY25 POL-ITE Entrepreneurs Challenge, to dive into a fascinating paradox: Young people are building projects, joining startup competitions, and launching side hustles earlier than ever, yet many of them still don’t see themselves as entrepreneurs.

So what actually creates a builder mindset?

Is it something you're born with… or something that can be developed through experience?

In this conver...

You’ve waited years for your keys.

You’ve saved, pinned, planned… maybe even built a 20-page brief.

But when the hacking starts and the bills roll in, what really happens?

In this episode, we dive into the emotional, financial, and practical realities of renovating your first home. From design dreams to budget shocks, from Pinterest boards to unexpected mold problems, we unpack what most homeowners only learn the hard way.

Here’s what we explore:

What if the reason your food isn’t fresher isn’t the farm, but everything in between?

In this episode, we dive into a business almost nobody dreams of starting, yet it quietly powers entire cities. Think traffic jams, melting margins, broken fridges, and a problem so hidden that most consumers never even notice it.

Here’s what we’re unpacking:

Ever feel like you’re doing everything right at work… but still getting overlooked?

You’re not alone, and you might be playing by rules that no longer exist.

Unpack the unspoken visibility rules shaping modern careers especially in a world where AI, remote work, and changing leadership expectations are rewriting the promotion playbook.

But being louder isn’t the answer.

Explore:

What happens when parenting meets budgeting… and a little friendly competition?

In this lively episode, we have real parents battle it out with their best money-saving (and sanity-saving) strategies for raising kids.

There’s laughter, a few surprising confessions, and some very different philosophies on what’s actually “worth it” when it comes to spending on your children. And yes, the audience gets to decide who wins.

Inside this episode, we explore:

Are you thinking about starting your own marketing agency? Well, think again! It’s not as easy as setting up a company and getting your friends to help out.

We dive into the ups and downs of running a digital marketing agency with none other than Marcus Ho, founder of Brew Interactive, who's been at it for 17 years.

Here’s what you can expect from this episode:

Ever wonder why some people walk into a room and instantly have everyone leaning in… while others can’t get a word in edgewise?

We pull back the curtain on what really makes someone memorable at work, and why being smart and hardworking isn’t always enough. If you’ve ever left a meeting thinking, “I had so much to say… why didn’t it land?” this one’s for you.

Here’s a taste of what we get into:

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:

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.

Here’s what you can expect:

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:

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:

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

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:

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):

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 mig...

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 fr...

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:

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:

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

In this episode, we’ll explore:

Join our dynamic panel of experts who have first-hand experience navigating these waters:

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:

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...

Welcome to the first episode of our brand new series, The IPO Circle!

We’re joined by Eugene Lim, Founder & CEO of The Assembly Place, a leading co-living company that’s revolutionising the real estate industry. From humble beginnings with just six rooms to managing over 3,500 keys across Singapore, Eugene shares his journey, challenges, and plans for the future.

What to Expect:

They didn’t start with a fancy lab, big funding, or a “Silicon Valley” playbook.

They started with scrappy prototypes, real classrooms, and a question that hits hard:

Why is quality STEM education still not accessible to every kid?

If you’ve ever been curious about startups, education, or what it takes to build something real (literally hardware), this one’s for you.

We sit with Adam and Kai from Stick’ Em - the startup that’s been making headlines for teaching kids to build robots using something you’d never expect: chopstic...

"How would you spend the extra 20 years?"

It's not a hypothetical question anymore; it's a demographic certainty. We are all living longer, and the traditional three-stage life of study, work, retire is officially obsolete. But what does a 100-year life truly look like, and how do we prepare for a future that is fundamentally different from the one our parents knew?

Dive into the seismic shift of longevity, exploring the financial, career, and personal implications of a life that stretches far beyond the conventional timeline.

You’ll hear from:

We sit with Ex Co-Founder of Dollars and Sense, Dinesh Dayani, a long-time personal finance thinker and investor, to unpack how technology, experience, and hard-earned humility have completely reshaped the way he approaches money.

From the quiet impact of AI on how we consume financial advice, to early investing wins that felt like genius (but weren’t), this conversation challenges some of the most common assumptions people make about wealth, investing, and lifestyle choices.

In this episode, we touch on:

What if nightlife didn’t start at midnight… but at sunrise? What if music wasn’t just entertainment… but a tool for community, wellness, and human connection?

Hear from a founder who’s quietly re-engineering how people gather, move, and feel, without following any traditional playbook

Our guest:

👉Christopher Shearmon, Managing Director of Wild Pearl Studio

A former corporate professional turned community builder, Christopher blends music, movement, and intentional experiences to create events that don’t look, or feel, like anything else in Singapore.

We explore:

What if harassment at work no longer looks the way you expect?

It’s no longer just whispered comments in corridors or uncomfortable meetings behind closed doors. Today, it can show up in Slack messages, WhatsApp chats, LinkedIn posts — and sometimes in ways that are subtle enough to make you question your own instincts.

Dive into a topic many experience, but few openly talk about: workplace harassment and bullying in the digital age.

We explore:

What if the way you spend, save, or stress about money… was shaped long before you earned your first paycheck?

In this special live podcast episode, we unpack the invisible stories behind our money habits, the ones formed at the dinner table, in childhood homes, and during moments we didn’t even realise mattered.

This isn’t a “how to get rich” conversation.

It’s about why we think and feel the way we do about money, and how that quietly shows up in our lives and our children’s lives.

In this episod...

What happens when the second generation takes the reins of a family business?

We dive into the incredible journey of Presto Drycleaners, led by Chan Wei Tian, a former software engineer turned dry cleaning visionary.

Key Highlights: