When did you first feel the weight—and thrill—of managing your own money?

Hosted by Michelle Martin, this episode explores the personal financial journeys that begin in university and National Service.

Daphne Tan of CMC Markets shares her own early budgeting stories and hard-won lessons.

What do today’s students need to know about saving, peer pressure, and planning for the future?

Find out how digital tools could’ve transformed our financial starts—and how parents can help without hovering.

This is essential listening for anyone stepping into financial independence for the first time.