Most millennials were already at risk of not achieving a financially secure retirement. The temptation to forgo long-term investments in favour of more immediate expenses has always been a hazard. Now, though, COVID-19 and the recession it caused are making a bad situation worse.

Most millennials were already at risk of not achieving a financially secure retirement. The temptation to forgo long-term investments in favour of more immediate expenses has always been a hazard. Now, though, COVID-19 and the recession it caused are <a href="https://time.com/nextadvisor/millennial-retirement-fund-withdrawal/?utm_source=time&amp;#038;utm_medium=referral&amp;#038;utm_campaign=time_hero_feed">making a bad situation worse</a>.

Helping you navigate the ever-changing universe of business, from headlines to the bottom line

Helping you navigate the ever-changing universe of business, from headlines to the bottom line

Enterprise Explores

Millennials Are Sabotaging Their Retirement Savings

Southeast Asia’s regional E-commerce GMV has hit USD$157 billion, but the market has reached a point where three platforms control most of it. Weihan Chen of Momentum Works joins the show to reveal why the record numbers hide a "growth without equilibrium".

Tune In To Find Out:


The AI Myth: Why artificial intelligence is reinforcing platform monopolies rather than democratising the marketplace for small-scale sellers.


The Take-Rate Gap: Why "official" 13.5% platform fees don’t reflect other costs that push the real burden on brands above 30%.


Moats vs. Commodities: Why physical delivery is now just a baseline requirement and the specific strategic value of "Orchestration" in the quick commerce war.


Content as the Storefront: How video and live streaming transitioned from marketing tools to core sales channels, now accounting for 32% of total GMV.


Renting vs. Owning: The defensive necessity of the Brand.com strategy and why established brands must stop "renting" customers from platforms that can change algorithms overnight.

Southeast Asia’s regional E-commerce GMV has hit&nbsp;USD$157 billion, but the market has reached a point where three platforms control most of it. Weihan Chen of Momentum Works joins the show to reveal why the record numbers hide a "growth without equilibrium".Tune In To Find Out:<ul><li>The AI Myth: Why artificial intelligence is reinforcing platform monopolies rather than democratising the marketplace for small-scale sellers.</li><li>The Take-Rate Gap: Why "official" 13.5% platform fees don’t reflect other costs that push the real burden on brands above 30%.</li><li>Moats vs. Commodities: Why physical delivery is now just a baseline requirement and the specific strategic value of "Orchestration" in the quick commerce war.</li><li>Content as the Storefront: How video and live streaming transitioned from marketing tools to core sales channels, now accounting for 32% of total GMV.</li><li>Renting vs. Owning: The defensive necessity of the <a target="_blank" rel="noopener noreferrer nofollow" href="http://Brand.com">Brand.com</a> strategy and why established brands must stop "renting" customers from platforms that can change algorithms overnight.</li></ul>

SEA’s $157B E-commerce Market: Unequal Growth?

Hiring your first, or even your 50th, employee isn't just about growth; it comes with legal obligations that many businesses underestimate. When those obligations are ignored, the consequences are both punitive and costly. Sara Lau of law firm Skrine joins the show to discuss where employers go wrong, accidentally or maliciously, including why a simple notice clause cannot protect you from an unfair dismissal claim.

Tune In To Find Out:


The 24-Month Penalty: Why permanent employees can secure up to two years of back wages if they fail the "just cause and excuse" test.


The PMR Protocol: A forensic breakdown of the three legal pathways to termination, Performance, Misconduct, and Retrenchment, and the specific evidentiary requirements for each.


The Statutory Minefield: Why commissions, bonuses, and long-term incentives are subject to EPF and how one oversight cost an employer millions.


The "Acquiescence" Trap: Why letting minor misconduct slide today prevents you from taking legal action tomorrow.


Ironclad Separation: How to utilise MSS and VSS schemes to avoid unilateral termination risks while ensuring documents are legally protected.

Hiring your first, or even your 50th, employee isn't just about growth; it comes with legal obligations that many businesses underestimate. When those obligations are ignored, the consequences are both punitive and costly. Sara Lau of law firm Skrine joins the show to discuss where employers go wrong, accidentally or maliciously, including why a simple notice clause cannot protect you from an unfair dismissal claim.Tune In To Find Out:<ul><li>The 24-Month Penalty: Why permanent employees can secure up to two years of back wages if they fail the "just cause and excuse" test.</li><li>The PMR Protocol: A forensic breakdown of the three legal pathways to termination, Performance, Misconduct, and Retrenchment, and the specific evidentiary requirements for each.</li><li>The Statutory Minefield: Why commissions, bonuses, and long-term incentives are subject to EPF and how one oversight cost an employer millions.</li><li>The "Acquiescence" Trap: Why letting minor misconduct slide today prevents you from taking legal action tomorrow.</li><li>Ironclad Separation: How to utilise MSS and VSS schemes to avoid unilateral termination risks while ensuring documents are legally protected.</li></ul>

Protect Your Business: Avoiding Common Employment Law Mistakes

With global shocks and competitive pricing squeezing profit margins, many SMEs are under immense pressure.

Azfar Asa'ad of CPA Australia joins the show to share insights from their latest survey of over 4,000 small businesses, as well as why cutting costs alone is a trap and the critical danger of remaining in "pilot purgatory" with AI.

Tune in to find out: 


The Cost-Cutting Trap: Why slashing operational expenses to protect thinning margins is actively sabotaging your future expansion goals. 


The New Hiring Mandate: Why resilient owners are selectively expanding their headcount, and the strict three-part criteria every new role must clearly pass to justify the investment. 


Defying "Pilot Purgatory": Why early enterprise AI adoption isn't a magic pill for structural struggles, and the specific drivers that high-growth businesses leverage instead. 

The 39% Blindspot: The overlooked cyber vulnerability threatening small enterprises, and why failing to upgrade from basic e-commerce defenses guarantees irreversible reputational loss.

With global shocks and competitive pricing squeezing profit margins, many SMEs are under immense pressure.Azfar Asa'ad of CPA Australia joins the show to share insights from their latest survey of over 4,000 small businesses, as well as why cutting costs alone is a trap and the critical danger of remaining in "pilot purgatory" with AI.Tune in to find out:&nbsp;<ul><li>The Cost-Cutting Trap: Why slashing operational expenses to protect thinning margins is actively sabotaging your future expansion goals.&nbsp;</li><li>The New Hiring Mandate: Why resilient owners are selectively expanding their headcount, and the strict three-part criteria every new role must clearly pass to justify the investment.&nbsp;</li><li>Defying "Pilot Purgatory": Why early enterprise AI adoption isn't a magic pill for structural struggles, and the specific drivers that high-growth businesses leverage instead.&nbsp;</li></ul>The 39% Blindspot: The overlooked cyber vulnerability threatening small enterprises, and why failing to upgrade from basic e-commerce defenses guarantees irreversible reputational loss.

Millennials Are Sabotaging Their Retirement Savings

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