After years of hitting the books, you have finally got your degree, secured a job and received your first paycheck. Well, congratulations! But don’t let your guard down — the hardest years of your life are now ahead, you’re finally adulting - which means there are more financial responsibilities such as: Bills (phone, internet, utilities), Loans (Student loan/ Housing loan), Insurance premiums, Parent allowance, and not forgetting your never ending cups of bubble tea and Grab trips! In this episode of our SIM podcast, we will be speaking with SIM-UOL alumni Samuel and Kymberly, founders of thekiamsiaplife.com, to address how all fresh graduates out there can stay “kiam” in their personal finance!