The raise paradox: why earning more never feels like enough

You just got a raise. So why does your bank account still feel broke? It’s the lifestyle creep — the sneaky force turning your bigger paycheck into the same old savings. From $8 lattes to subscription traps to the psychology behind "keeping up with the Tans," find out why more income rarely equals …

Singapore stocks aren't boring anymore — here's the proof

Your parents' "boring" Singapore dividend stocks only portfolio just had an upgrade nobody told you about. While everyone's obsessing over US tech, Singapore's equity market has quietly doubled its research coverage, attracted real institutional capital, and uncovered small-cap opportunities most i…

Behind the institutional veil: what your bank doesn't want you to know about asset allocation

If you think your bank’s “diversified” portfolio is built for your future, think again. In this episode of Money Hacks, we pull back the curtain on the institutional world with Arki Finance founder David Ng. We’re dissecting the "product-first" myths, exposing why your “tick-box” diversification mi…

The mass affluent trap: too rich for retail, too small for private banking

Your cash isn't safe just because it's sitting still — it's quietly losing to inflation while you wait for "the right time" to invest. Howie Lim gets StashAway's chief investment officer (CIO) Stephanie Leung to explain why the mass affluent get the worst of both worlds, why gold just earned a perm…

Market noise vs real signal: are you investing or just guessing?

We obsess over what to buy, but when it’s time to sell—or hold—we often freeze. Market volatility shouldn't trigger a panic-induced sell-off, yet emotion frequently overrides strategy. In this episode of Money Hacks, Howie Lim, Ritesh Ganeriwal, and Kenneth Chan dissect the crucial "portfolio check…

Artificial sycophant or financial genius? When to trust AI

Speed is everything in investing—but is it actually the enemy of wealth? We’re conditioned to trust human advisors, but what if your portfolio manager, tax expert, and risk officer was a cold, calculating AI? Howie Lim speaks with 8FIGURES founder Andrew Izyumov to ask: can AI truly cure emotional…

Loss of income, not identity: navigating the psychology of retrenchment

Retrenchment isn't just a career setback; it's a financial and psychological earthquake. Howie Lim speaks with clinical psychologist Dr Annabelle Chow about navigating the initial shock. What is the single biggest financial mistake most make in the first 48 hours and how to stop panic from driving …

From windfall to wealth: making fortune last

Sudden windfall? Congratulations — now don't screw it up. Let’s tackle the messy reality of instant wealth: the 30-day rule before making any big moves, why "generous relative energy" can drain your fortune fast, and the emotional identity crisis nobody warns you about. RBC's Gautam Chadda breaks …

Stop 'revenge investing': why panic selling is your portfolio's worst enemy

Markets crash. Portfolios bleed red. And your gut screams "sell everything." But what if the scariest moment in investing is also the most dangerous time to trust your instincts? Howie Lim sits down with Grace Tay from finexis advisory to find out why panic selling turns temporary losses permanent…

The six-month breaking point: are you actually prepared for the unforeseen?

Is your financial plan truly resilient, or are you one emergency away from disaster? 61% of households struggle to cope beyond six months after a loss of income. Howie Lim sits down with Sun Life Asia’s David Broom to dismantle the myth that resilience equals a high salary. Is Singapore’s “safe ha…