What do you do when you’ve built a loyal audience and 5 years of momentum, but you feel trapped by the very niche that built you?

Michelle Chin, founder of Her Duit, recently announced a strategic overhaul of her personal finance brand, expanding beyond money into leadership, career, and life design. She joins BFM to deconstruct the mechanics of this pivot and why she refused to let the brand run on "momentum and guilt."

We also explore the harsh reality of the modern social media landscape, where the "Instagram Community" era has been replaced by the TikTok era’s algorithmic entertainment. Michelle explains why creators must now "buy attention" in the first 3 seconds to earn the right to deliver substance, and how she balances her identity as a "Founder Creator" running a VC-backed insurtech startup by day and a media brand by night.

We discuss:

• The Strategic Pivot: How Michelle transitioned from pure personal finance to holistic growth content to answer the question: "I have the money, now what?

• The Attention Economy: Understanding the shift to short-form video where knowledge is no longer king, hooks are.

• The "Her Duit" Machine: How Michelle scaled from spending 8 hours on one post to a streamlined operation using a virtual assistant, video editors, and AI tools like Claude for synthesis.

• The Worst Advice: Why "one-size-fits-all" financial rules (like saving 50% of income) are dangerous and induce shame. Monetisation & Synergies: Moving from B2C content to B2B employee wellness workshops, and how her role as a startup COO informs her content strategy (and vice versa).

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