Her Duit

Her Duit

By Michelle ChinBusinessInvesting
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Her Duit episodes

  • HDS #13: Beginner's Guide to Financial Independence

    Swan from Swan Thinks, a passionate follower of the FIRE movement breakdown what financial independence is and how you can achieve financial independence by looking at just 3 categories!

    03:03: Swan Answers 5 Quick Fire Questions

    08:25: What is Financial Independence?
    09:09: What sparked Swan's interest in FI / FIRE?
    11:48: Is financial independence meant for everyone?
    14:24: How to prepare for financial independence?
    18:59: Financial Independence vs FIRE (+ Retire Early)
    19:47: Swan's take on FIRE and her FIRE Age
    21:21: The link between Risks Tolerance Levels and Financial Independence
    24:32: Swan's Financial Independence Goal 

    34 min
  • HDS #12: 3 Biggest Money Lessons I Learnt in 2020 & My Investment Direction for 2021

    In the true spirit of the end of 2020, Michelle shares the biggest lessons that she has learnt this year, from the perspective of saving, spending and investing. She covers more controversial conversations around not using fixed deposits and investments into "boring", low risk, high return assets. 

    01:38: Park your savings outside of fixed deposits and savings accounts

    03:09: High yield/interest savings accounts
    05:22: Using StashAway Simple
    08:16: How to consciously spend without comparing to peers
    10:14: My biggest investing lessons in 2020
    14:21: My investment learnings & proposition
    15:12: My 2021 investment direction & my current ETF portfolio
    20:32: How I invest outside of Malaysia
    22:50: TL;DR: Summary of today's podcast 

    26 min
  • HDS #11: Financial Empowerment: Questions to Prepare For 2021

    Salmah is a financial advisor and unit trust agent. She's part of the team at FINAims but also started her own women-focused financial advisory page called Clarity Consultation. In today's podcast, she shares an array of insights from her interesting money story, how to shift your need for instant gratification and 

    01:41: 5 Quick Fire Questions

    03:36: Salmah's First Memory of Money
    09:24: The Foundations of Her Journey into Financial Advisory
    13:28: Salmah's Shift in Money Management
    17:33: Salmah's Thoughts on Her Own Failures in Finances and Advice
    23:30: What is Unit Trusts?
    24:56: What Questions to ask Financial Advisors?
    29:07: Her thoughts on Financial Empowerment and Women
    34:47: Instant Gratification & How to Shift Our Mindset to Spark Joy from Feelings over Material
    39:31: Struggling with finances? You should ask for help, here's how!
    44:44: How can men help support their female partner, friends, siblings or family around them?
    49:32: Salmah's Own Money Goals for 2021 



    55 min
  • HDS #10: Becoming a Real Estate Negotiator

    We're back with another episode with Natasha to learn more about life before @mariejualkondo and what were here money stories growing up and now that she is working in real estate.

    01:56: The origins of @mariejualkondo

    03:45: 5 Quick Fire Questions
    07:31: How did you get into doing real estate on social media?
    09:30: Life before @mariejualkondo
    12:02: How did she learn about money growing up? Save or Grow?
    14:22: What would life be if she didn't go into real estate?
    18:40: Misconceptions about the real estate agents
    20:45: Advice for aspiring real estate agents
    24:15: @mariejualkondo's plans for 2021 


    30 min
  • HDS #9: Beginner's Guide to Buying Property

    Natasha Gideon is a Real Estate Negotiator (REN) at IQI. She is more fondly known as @mariejualkondo on social media, dishing out amazing advice for real estate purchases in Malaysia! In this special episode of Her Duit, Natasha helps us breakdown your burning questions about buying property and slashes some myths on controversial topics.

    01:25: Misconceptions of buying property (affordability, prices will fall, property bubble)

    05:05: Important things to think about before buying a property for own stay
    07:48: What to think about for investment properties?
    15:30: Home Ownership Costs; what else do you need money for?
    18:56: Credit scores, debt service ratio, commitments & loans
    27:50: How to assess your agent or real estate negotiator?
    30:38: Thoughts around real estate being the best investment & offers the best returns
    34:49: What do you need to be ready for if you want to be a landlord?
    38:15: Is there going to be a fire sale because of loan defaults from COVID-19?
    41:00: Are there different criteria to consider if you're buying property when you're older?
    42:40: The golden ratio for number of properties to view before deciding
    47:20: This & That Game
    47:35: Freehold vs Leasehold
    49:22: Low Density vs High Density
    51:13: City vs Suburbs
    51:44: New Development vs Sub Sale


    55 min
  • HDS #8: The Psychology of Money & How to Make it Work For You

    Nurul from @dearduit has a financial planning background but ventured into psychology instead. She realised that money management is beyond the numbers and is a lot more to do with our emotions and psychology. In this episode, Nurul shares her story of being the face behind Dear Duit, how she has encouraged Malaysians to be more vulnerable and seek help as well as explaining how we can all learn about our own money insecurities by digging down deep into our childhood.

    00:45: Introduction & 5 Quick Fire Questions

    06:06: Dear Duit's Timeline
    11:36: Backlash from condemning the Islamic banking system
    14:20: Personal Finance: 50 years ago vs now
    18:07: Best Dear Duit Moments
    20:00: Nurul's Money Relationship with People and Herself
    34:39: Why aren't women talking more about personal finance?
    38:26: A Mother's Fear and Insecurities in Money Matters
    39:05: Masculine Toxicity in Personal Finance
    46:32: How Nurul Manages Her Finances

    57 min
  • HDS #7: How to Move from Noob to Less Noob in Money

    Andrea shares her money journey from being a noob to much less of a noob today, attributing that to her career in the largest bank in Malaysia and being brave in asking questions when she didn't know! She sheds light on her current money endeavours, from how she budgets to what she is currently investing in.

    • 04:20: Realities of leaving a full-time job for studies during COVID-19 
    • 12:05: Andrea's first side hustle: selling Pandora jewellery on retail arbitrage 
    • 14:41: Budgeting fun with Fortune City expense tracker app! 
    • 19:05: Her career and how that shaped her money journey 
    • 35:48: WHAT? Non-bumis can invest in Amanah Saham? 
    • 40:29: Is Forex complex? Not really! Here's how to start 
    • 48:18: Andrea & Michelle gives advice to Gen Zs 
    • 52:53: Andrea's biggest life lesson and what's next 
    • 59 min
    • HDS #6: Millennial's Guide to Budgeting and Spending

      In this episode, Michelle chats with Carmen, your everyday millennial women about spending, budgeting and everything in between. From discussing budgeting apps to spending concepts, debating whether there is truly a need to even plan a strict budget and learning about what we want to spend our money on. If you are looking to get started on your personal finance journey, and have nothing yet, this is the episode to get started on!

      59 min
    • HDS #5: Diversifying Income from Network Marketing, Stocks and Property

      Evelynn's career has been exciting and quite the roller coaster - starting out as a management consultant working 12 hours a day or more, starting afresh at MaGIC, dabbling in the startup and tech industry, growing an SME business, then taking her network marketing business full time. Eve shares about the tough challenges she had to face, how she hustled to grow a passive income to be able to live worry-free and be able to travel the world. Let Eve take you on her journey of many learnings and how she took charge of her finances from an early age in this episode. 

      54 min

    About Her Duit

    From the publisher's feed

    The personal finance, business, and career podcast dedicated to women from all walks of life. Learn everything you need to know from spending, saving, managing debt to investing, as well as making more money. Let's live our best lives and make money topics accessible and fun to talk about!