Fresh grads — you’ve got your first job, first pay cheque… and a ton of questions about how to manage it all.

For this special episode recorded at the Global Shapers x National Youth Council “Future of Finance” event, Deanna Lim, Partner at DollarsAndSense, hosts the podcast with Hazelle Soon, Co-Founder and Chief Trainer at The Joyful Investors. Both were panellists at the event later that evening, sharing insights on building the right money mindset, from saving intentionally and avoiding lifestyle traps to investing even with a small budget.

This episode is proudly brought to you in collaboration with National Youth Council (NYC), MoneySense and Global Shapers Community Singapore Hub.

NYC is all about empowering youths to pursue their passions by partnering with them and providing opportunities for them to get involved in shaping Singapore’s future. You can do your part through the SG Youth Plan.

SG Youth Plan: https://www.youthplan.gov.sg/
MoneySense: https://www.moneysense.gov.sg/
The Joyful Investors: https://thejoyfulinvestors.com/

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Talking about money doesn’t have to be intimidating, and the Seedly Personal Finance Festival proves it. Recorded live at Marina Bay Sands during the 2025 edition of Singapore’s largest personal finance event, this episode of the DollarsAndSense Podcast goes behind the scenes with Rohit and Ayush from the MoneyHero team.

We unpack what it really takes to organise a 5,000-person finance festival, from managing last-minute date changes due to the general elections to coordinating over 70 speakers and 35 financial brands. The conversation also explores why localisation matters, how finance content is made relatable to everyday Singaporeans, and what makes people show up early on a Saturday to learn about money.

Plus, we dive into the future of the Personal Finance Festival — potential expansion into new markets, the idea of smaller thematic events, and how community-driven financial education continues to evolve.

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Being a platform worker in Singapore isn’t easy. One week you’re earning well, the next week your income dips. No paid leave. No employer CPF. No buffer. And when it comes to planning for your home, healthcare and retirement, it often feels like you’re running an uphill race.

From 1 January 2025, the new Platform Workers Act marks one of the biggest shifts for this group — introducing mandatory CPF contributions, platform-operator co-payment and government transition support. It’s a structural change that could redefine what long-term security looks like for platform workers in Singapore.

In this episode, we explore why financial planning has historically been harder for the gig workforce, how CPF fits into that picture, and what the latest changes mean not just for take-home pay but for the future you’re building. We also look at how younger and older workers experience these changes differently, and the subtle trade-offs that come with the new system.

This is a conversation about work, security and the evolving shape of the gig economy and how the CPF reforms may finally help platform workers close the gap.

This episode is brought to you in collaboration with CPF.

Find out more on Platform Workers CPF Transition Support (PCTS) scheme here : cpf.gov.sg/PCTSDNS

Find out more on Workfare Income Supplement (WIS) scheme here : cpf.gov.sg/WISDNS

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China is one of the world’s largest and fastest-growing economies, but for the average Singaporean investor, buying into Chinese companies can feel overwhelmingly complex. Different share classes, foreign market access, currency risk… where do you even start?

In this episode, we sit down with Emerald Yau from FTSE Russell and Roger Leng from UOB Asset Management to unpack a fuss-free way to ride on China’s growth: the UOBAM FTSE China A50 Index ETF. Together, they break down what A-shares, H-shares and other share classes are, why the FTSE China A50 Index can be a practical proxy for China’s equity market, and how an ETF helps you own the 50 largest A-share companies through a single SGX-listed product in SGD.

We also discuss where this ETF might fit in a typical Singaporean portfolio, the role of volatility in an emerging market like China, and why investors should see this as a long-term growth story rather than a quick dividend play.

This video is brought to you in collaboration with UOB Asset Management.

Disclaimer -
• A potential investor should read the prospectus (or profile statement) before deciding whether to subscribe for or purchase units in the Fund.

•The value of the units in the Fund and the income accruing to the units, if any, may fall or rise, and is likely to have high volatility due to the investment policies and/or portfolio management techniques employed by the Fund.

• You may wish to seek advice from a financial adviser before making a    commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.

• This is a sponsored post. This advertisement has not been reviewed by the Monetary Authority of Singapore.

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Recorded at the Seedly Personal Finance Festival 2025, Timothy sits down with Xin Yang, Head of Wealth, Structured Products Advisory, from uSmart to tackle a question every investor asks sooner or later: Should you even try to beat the market?

They unpack what “average market returns” actually are, how TikTok and YouTube can give investors false confidence, and why beginners should build a solid foundation before trying to outperform the market. From diversification and core ETFs to FOMO stocks, gold trends, overseas markets and dollar-cost averaging, the conversation turns complex investing ideas into simple, practical insights you can apply right away.

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Most of us save for retirement, emergencies, and medical bills but we rarely plan for something far more common: long-term disability.

In this episode of the DollarsAndSense Podcast, Timothy sits down with Ong Hui Ming, CEO of ECON Healthcare Group, to unpack what long-term disability actually looks like in Singapore and why so many families are caught off-guard.

They explore the emotional weight families carry, the financial strain that comes with home care, rehabilitation, or nursing home support, and the tough decisions caregivers often have to make. The conversation also breaks down what CareShield Life actually provides, and where the gaps still are  before discussing how families can prepare early so they’re not overwhelmed when a health crisis suddenly changes everything.

This episode is brought to you by Great Eastern Singapore.

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Singaporeans travel and spend overseas more than almost anyone, but many still lose money without realising it.

Recorded at the Seedly Personal Finance Festival 2025, Dinesh speaks with Yee Won Nyon, Senior Product Manager at Wise, to unpack how multi-currency accounts, mid-market rates, and smarter payment choices can save you real dollars.

They break down foreign transaction fees, DCC traps, smart conversion tech, receiving money like a local, and how to keep your overseas spending safe and transparent. Ideal for travellers, online shoppers, and anyone dealing with foreign currencies.

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For many of us, the first thing we hear about HDB is a comparison,
“Last time flats so cheap… why now so expensive?”

But when you peel back the numbers, the story isn’t as straightforward as it sounds.

In this episode of the DollarsAndSense Podcast, Timothy and Dinesh unpack the truth behind HDB affordability, why flats used to cost less, why they cost more today, and why the full story is more complicated than just sticker price.

They dive into income, grants, interest rates and expectations, and why affordability today is less about “can you buy” and more about what you buy.

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We all want to help the people we care about, but when it comes to money, things can get messy real fast.

In this episode of the DollarsAndSense Podcast, Timothy and Dinesh get real about what usually goes wrong when you lend money to friends or family, from unspoken expectations to awkward silences when repayment time comes around.

They share honest takes, real examples, and how to navigate this tricky territory with clarity, boundaries, and care. Because sometimes, saying “no” might be the kindest thing you can do.

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Singapore’s latest Household Expenditure Survey says retirees spend about $1,384 a month. But is that really enough?

With longer lifespans, rising costs, and evolving CPF rules, retirement planning has never been more important. In this episode, we unpack retirement expenses across income levels, the impact of inflation, and how CPF LIFE payouts and retirement sums (BRS, FRS, ERS) translate into monthly income. Plus, hear real stories from retirees on stretching their dollars and get practical tips to boost your CPF savings.

Whether you want a basic or comfortable lifestyle, this guide helps you plan smarter for financial independence in Singapore.

This podcast episode is brought to you in collaboration with CPF.

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