Ryan Chaw ate many Subway 5-foot long sandwiches and worked two jobs as he built his property empire.

Now retired at age 31, he went from working as a pharmacist to real estate millionaire through student housing in just 7 1/2 short years.

Michelle Martin finds out how Ryan saved and strategized his way to building a property empire of properties across the USA.

Hear which parts of his model would work for property investors in Singapore who want to replicate his rent-by-room model and discover how to start building your property portfolio that supports the lifestyle you want, no matter your market.

Ryan Chaw ate many Subway 5-foot long sandwiches and worked two jobs as he built his property empire.
Now retired at age 31, he went from working as a pharmacist to real estate millionaire through student housing in just 7 1/2 short years.
Michelle Martin finds out how Ryan saved and strategized his way to building a property empire of properties across the USA.
Hear which parts of his model would work for property investors in Singapore who want to replicate his rent-by-room model and discover how to start building your property portfolio that supports the lifestyle you want, no matter your market.

Your Money With Michelle Martin (9am - 12pm) It’s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

Your Money With Michelle Martin (9am - 12pm) It&rsquo;s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with &ldquo;Influence&rdquo; and hear from great authors in &ldquo;Read&rdquo;.

Your Money with Michelle Martin

Michelle Martin speaks with financial advisors on how to make the most of your money. Learn how to get started,  manage your expenses and start your smart money investment journey today. 

Michelle Martin speaks with financial advisors on how to make the most of your money. Learn how to get started,&nbsp; manage your expenses and start your smart money investment journey today.&nbsp;

Money and Me

MONEY FM 89.3 is Singapore’s first and only Business and Personal Finance station. MONEY FM is a 24-hour English talk format station featuring local and international business and financial news. We provide you with financial market and currency updates and insights from analysts, economists, policy makers, industry experts and business owners.

In the lighter hours, listen to discussions on social issues and features on topics that include health, education, arts and music.

MONEY FM 89.3 is Singapore&rsquo;s first and only Business and Personal Finance station. MONEY FM is a 24-hour English talk format station featuring local and international business and financial news. We provide you with financial market and currency updates and insights from analysts, economists, policy makers, industry experts and business owners.
In the lighter hours, listen to discussions on social issues and features on topics that include health, education, arts and music.

MONEY FM 89.3 is Singapore’s first and only Business and Personal Finance station.

MONEY FM 89.3

How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

It’s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

It&rsquo;s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with &ldquo;Influence&rdquo; and hear from great authors in &ldquo;Read&rdquo;.

Your Money with Michelle Martin (9am - 12pm)

Money and Me: From Pharmacist to Property Investor Earning USD$17K/Month in Student Rentals

In China’s 2026 market, survival isn’t about buying the dip - it’s about finding the moat.

In this episode, hosted by Michelle Martin, we dissect why investors are shifting from momentum plays to structural dominance with Willie Keng, Founder of Dividend Titan (https://www.dividendtitan.com/).

We explore four defining themes and why hyper-competitive sectors are being left behind.

From China Tower’s near-97% telecom dominance to Tencent’s evolving identity from growth darling to cash-generating powerhouse, we unpack where durability lies.

We also assess whether LVMH can maintain pricing power amid China’s luxury fatigue and the rise of local brands.

Finally, in an easter egg  moment, our guest shares his view on the rush for gold from the value investor perspective.

In China&rsquo;s 2026 market, survival isn&rsquo;t about buying the dip - it&rsquo;s about finding the moat.
In this episode, hosted by Michelle Martin, we dissect why investors are shifting from momentum plays to structural dominance with Willie Keng, Founder of Dividend Titan (<a href="https://www.dividendtitan.com/">https://www.dividendtitan.com/</a>).
We explore four defining themes and why hyper-competitive sectors are being left behind.
From China Tower&rsquo;s&nbsp;near-97% telecom dominance to&nbsp;Tencent&rsquo;s&nbsp;evolving identity from growth darling to cash-generating powerhouse, we unpack where durability lies.
We also assess whether LVMH&nbsp;can maintain pricing power amid China&rsquo;s luxury fatigue and the rise of local brands.
Finally, in an easter egg&nbsp; moment, our guest shares his view on the rush for gold from the value investor perspective.

Money and Me: Anti-involution China strategies for the dividend investor 

Will dividends, one-off gains and Washington politics reshape market momentum this week?

In this episode, hosted by Michelle Martin with Ryan Huang, we unpack why OCBC’s Q4 profit rose 3% to S$1.75 billion and what its special dividend signals about capital strength.

We compare performance across Singapore’s banking trio - OCBC, DBS, and UOB - and examine why OCBC shares are outperforming.

Then we turn to Singapore Airlines, where record operating revenue contrasts sharply with a steep drop in net earnings after last year’s Vistara one-off gain.

From there, we assess what investors will be listening for as U.S. President Donald Trump delivers his State of the Union - tariffs, cost-of-living pressures, and election risk in focus.

In UP or DOWN, we track deal tension around Warner Bros. 

Discovery, Paramount, Stripe, PayPal, JPMorgan Chase, and Genting Singapore, before checking whether the STI is clawing back losses.

Will dividends, one-off gains and Washington politics reshape market momentum this week?
In this episode, hosted by Michelle Martin with Ryan Huang,&nbsp;we unpack why&nbsp;OCBC&rsquo;s Q4 profit rose 3% to S$1.75 billion and what its special dividend signals about capital strength.
We compare performance across Singapore&rsquo;s banking trio - OCBC, DBS, and UOB - and examine why OCBC shares are outperforming.
Then we turn to Singapore Airlines, where record operating revenue contrasts sharply with a steep drop in net earnings after last year&rsquo;s Vistara one-off gain.
From there, we assess what investors will be listening for as U.S. President Donald Trump delivers his State of the Union - tariffs, cost-of-living pressures, and election risk in focus.
In UP or DOWN, we track deal tension around Warner Bros. 
Discovery,&nbsp;Paramount,&nbsp;Stripe,&nbsp;PayPal,&nbsp;JPMorgan Chase, and&nbsp;Genting Singapore, before checking whether the STI is clawing back losses.

Market View: Banks, Planes & Political Signals

From a pop-up in London  to a 10-brand international group - how do you scale in F&B without losing soul?

In this episode, hosted by Michelle Martin, Chef-Founder Dave Pynt of Burnt Ends Hospitality Group shares his journey from dishwashing to growing a culinary empire.

Hard work, an attention to customer needs and smart pivots figure large, in his 13-year journey.

We unpack the growth of the group from Michelin-starred Burnt Ends to Meatsmith and The Ledge in the Maldives and Bali.

Dave reveals how new concepts are born while staying true to the group’s wood-fire ethos.

We explore the operational realities of scaling talent, culture and consistency across borders.

Finally, we ask what’s next - partnerships, new markets, or experiences diners haven’t imagined yet.

From a pop-up in London&nbsp; to a 10-brand international group - how do you scale in F&amp;B without losing soul?
In this episode, hosted by Michelle Martin, Chef-Founder Dave Pynt of Burnt Ends Hospitality Group shares his journey from dishwashing to growing a culinary empire.
Hard work, an attention to customer needs and smart pivots figure large, in his 13-year journey.
We unpack the growth of the group from Michelin-starred Burnt Ends to Meatsmith and The Ledge in the Maldives and Bali.
Dave reveals how new concepts are born while staying true to the group&rsquo;s wood-fire ethos.
We explore the operational realities of scaling talent, culture and consistency across borders.
Finally, we ask what&rsquo;s next - partnerships, new markets, or experiences diners haven&rsquo;t imagined yet.

Money and Me: From Pharmacist to Property Investor Earning USD$17K/Month in Student Rentals

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Your Money with Michelle Martin (9am - 12pm)

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