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

Cheap mortgages, a flood of resale flats, and a widening condo price gap - is 2026 the year to buy, sell, or refinance your property?

Michelle Martin explores Singapore’s unusual property moment and what it might mean for you.

Daniel Sim, Founder, Golden Goose Properties and Michelle unpack whether owners should sell ahead of rising competition, refinance their loans while rates are low, or upgrade to private property.

Could ripple effects could extend into executive condominiums and resale condos as more homeowners consider upgrading?

With new launch prices climbing and the gap with resale condos approaching 50%, buyers and sellers face a complex set of decisions.

We also explore what Singaporeans who bought overseas property should do if those investments are underperforming in today's market.

Cheap mortgages, a flood of resale flats, and a widening condo price gap - is 2026 the year to buy, sell, or refinance your property?
Michelle Martin explores Singapore&rsquo;s unusual property moment and what it might mean for you.
Daniel Sim, Founder, Golden Goose Properties and Michelle unpack whether owners should sell ahead of rising competition, refinance their loans while rates are low, or upgrade to private property.
Could ripple effects could extend into executive condominiums and resale condos as more homeowners consider upgrading?
With new launch prices climbing and the gap with resale condos approaching 50%, buyers and sellers face a complex set of decisions.
We also explore what Singaporeans who bought overseas property should do if those investments are underperforming in today's market.

Money and Me: The MOP Wave - Property Opportunity or Warning Sign?

Oil above $100, war in the Middle East, and AI spending from Big Tech are colliding to reshape the global market outlook.

On this episode of Market View, hosted by Michelle Martin with Ryan Huang, we unpack how the Iran conflict and disruption in the Strait of Hormuz are pushing oil prices sharply higher and unsettling investors worldwide.

Brent crude’s surge toward US$103 is raising fresh inflation fears just as the U.S. Federal Reserve prepares for a key rate decision.

Closer to home, the ripple effects could hit Singapore’s REIT sector, which faces pressure from rising financing costs and property valuation risks.

Meanwhile, corporate headlines span Meta’s AI-driven layoffs, Berkshire Hathaway’s buyback signals, and Singtel’s ambitious US$250 million AI investment fund.

We also check in on the STI movers, with Wilmar International surging while ST Engineering and Yangzijiang Shipbuilding face selling pressure.

Oil above $100, war in the Middle East, and AI spending from Big Tech are colliding to reshape the global market outlook.
On this episode of Market View, hosted by Michelle Martin with Ryan Huang, we unpack how the Iran conflict and disruption in the Strait of Hormuz are pushing oil prices sharply higher and unsettling investors worldwide.
Brent crude&rsquo;s surge toward US$103 is raising fresh inflation fears just as the U.S. Federal Reserve prepares for a key rate decision.
Closer to home, the ripple effects could hit Singapore&rsquo;s REIT sector, which faces pressure from rising financing costs and property valuation risks.
Meanwhile, corporate headlines span Meta&rsquo;s AI-driven layoffs, Berkshire Hathaway&rsquo;s buyback signals, and Singtel&rsquo;s ambitious US$250 million AI investment fund.
We also check in on the STI movers, with Wilmar International surging while ST Engineering and Yangzijiang Shipbuilding face selling pressure.

Market View: How oil shockwaves are spreading, potentially pressuring REITs, and who is taking a big move forward in Big Tech’s AI Spending Race?

Are investors focusing too much on headline DPU when evaluating Singapore REITs?

Michelle Martin examines why the familiar distribution-per-unit number may not tell the full story.

In this episode of Money and Me, we explore whether investors should shift their focus from the quantity of distributions to the quality and sustainability behind them.

REIT specialist and Wealth Advisory Director Kenny Loh introduces a new framework - the Management Efficiency Index (MEI) - meant to help investors evaluate how effectively REIT managers generate and protect long-term income.

The conversation also unpacks the risks behind 100% payout strategies, accounting optic moves, and the impact of management fees paid in units.

With AGM season approaching, Kenny shares the key questions retail investors should ask management teams to better understand the resilience of distributions.

Any investor heading to a REIT AGM would benefit from knowing the right questions to ask to dive beyond the numbers to get at management "sweat equity".

Are investors focusing too much on headline DPU when evaluating Singapore REITs?
Michelle Martin examines why the familiar distribution-per-unit number may not tell the full story.
In this episode of Money and Me, we explore whether investors should shift their focus from the quantity of distributions to the quality and sustainability behind them.
REIT specialist and Wealth Advisory Director Kenny Loh introduces a new framework - the Management Efficiency Index (MEI) - meant to help investors evaluate how effectively REIT managers generate and protect long-term income.
The conversation also unpacks the risks behind&nbsp;100% payout strategies, accounting optic moves, and the impact of management fees paid in units.
With AGM season approaching, Kenny shares the key questions retail investors should ask management teams to better understand the resilience of distributions.
Any investor heading to a REIT AGM would benefit from knowing the right questions to ask to dive beyond the numbers to get at management "sweat equity".

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

Money and Me

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