Michelle Martin speaks with Saim Yeong Harng, CEO, CardsPal to discuss how he charted his journey from a conventional decade-long career in banking to starting his own fintech venture, and how CardsPal is helping people save and spend better. 

Michelle Martin speaks with Saim Yeong Harng, CEO, CardsPal to discuss how he charted his journey from a conventional decade-long career in banking to starting his own fintech venture, and how CardsPal is helping people save and spend better.

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: How to turn an idea into a viable business model

Meet some of Singapore's most impactful individuals in Influence with Michelle Martin.

If you are going through pain, sorrow or grief, trust that you are not alone

After losing his 26-year-old son Lawrance to manic depression, philanthropist Yen-Lu Chow set out to transform grief into action by founding - together with his wife - the Over The Rainbow Academy that helps parents with resources and which gives young people a platform to "just be heard". The academy aims to help transform the landscape of mental wellness in Singapore and offers scholarships for its training programmes.

Social innovator Yen-Lu Chow believes getting to a "we first society" starts with very important first step; caring for the self.

We ask: in a competitive world driven by individual success, can Singapore move from a “me-first” mindset to a “we-first” culture that protects its human capital?

 

Meet some of Singapore's most impactful individuals in Influence with Michelle Martin.
If you are going through pain, sorrow or grief, trust that you are not alone
After losing his 26-year-old son Lawrance to manic depression, philanthropist Yen-Lu Chow set out to transform grief into action by founding - together with his wife - the Over The Rainbow Academy that helps parents with resources and which gives young people a platform to "just be heard". The academy aims to help transform the landscape of mental wellness in Singapore and offers scholarships for its training programmes.
Social innovator Yen-Lu Chow believes getting to a "we first society" starts with very important first step; caring for the self.
We ask: in a competitive world driven by individual success, can Singapore move from a &ldquo;me-first&rdquo; mindset to a &ldquo;we-first&rdquo; culture&nbsp;that protects its human capital?
&nbsp;

Influence: Yen-Lu Chow on making meaning from tragedy 

Is Singapore’s property market quietly shifting after Budget 2026? 

In this episode of Money and Me, hosted by Michelle Martin, we break down what new policies on foreign work passes, AI investment and housing demand could mean for buyers and investors.

Michelle speaks with Christine Sun, Chief Researcher and Strategist at Realion Group (OrangeTee & ETC), about whether the absence of new cooling measures signals confidence that prices have stabilised.

They unpack why demand for some Prime and Plus HDB flats appears softer, and why first-time buyers may now prioritise space over central locations.

The conversation also explores how stricter foreign hiring rules could affect rental demand and whether Singapore’s push to become an AI hub might boost long-term property values.

Finally, Christine shares where investors might find the smartest opportunities in Singapore’s property market in 2026.

Is Singapore&rsquo;s property market quietly shifting after Budget 2026?&nbsp;
In this episode of Money and Me, hosted by Michelle Martin, we break down what new policies on foreign work passes, AI investment and housing demand could mean for buyers and investors.
Michelle speaks with Christine Sun, Chief Researcher and Strategist at Realion Group (OrangeTee &amp; ETC), about whether the absence of new cooling measures signals confidence that prices have stabilised.
They unpack why demand for some Prime and Plus HDB flats&nbsp;appears softer, and why first-time buyers may now prioritise space over central locations.
The conversation also explores how stricter foreign hiring rules could affect rental demand and whether Singapore&rsquo;s push to become an AI hub might boost long-term property values.
Finally, Christine shares where investors might find the smartest opportunities in Singapore&rsquo;s property market in 2026.

Money and Me: Budget 2026 & Singapore Property - Buyer’s Market or the Next Boom?

Oil shocks, gold surges and a familiar tech giant's stumble - markets are suddenly on edge.

In this episode of Market View, hosted by Michelle Martin with Ryan Huang, we unpack the forces shaking global markets - from Sea Ltd’s earnings surprise and share price plunge to Singapore’s growing ambitions as a physical gold hub.

Gold prices are surging past historic levels as wealthy investors pile into safe havens and policymakers position Singapore as a regional bullion trading center.

Meanwhile, a widening Middle East conflict and the Strait of Hormuz blockade threaten global energy flows, pushing Brent crude above $81 and disrupting LNG supplies.

We also run through earnings movers including Target, Best Buy, Swiss sneaker maker On, DFI Retail Group and Wilmar International.

Plus: the next computing revolution may not be in your phone - tech giants like Qualcomm, Meta, Google and Apple are racing to build AI-powered wearables that blend seamlessly into everyday life.

Companies mentioned: Sea Ltd., Target, Best Buy, On Holding, DFI Retail Group, Wilmar International, ST Engineering, Keppel, CapitaLand Integrated Commercial Trust, Qualcomm, Meta, Google, Samsung, Apple, OpenAI.

Oil shocks, gold surges and a familiar tech giant's stumble - markets are suddenly on edge.
In this episode of Market View, hosted by Michelle Martin with Ryan Huang, we unpack the forces shaking global markets - from Sea Ltd&rsquo;s earnings surprise and share price plunge to Singapore&rsquo;s growing ambitions as a physical gold hub.
Gold prices are surging past historic levels as wealthy investors pile into safe havens and policymakers position Singapore as a regional bullion trading center.
Meanwhile, a widening Middle East conflict and the Strait of Hormuz blockade threaten global energy flows, pushing Brent crude above $81 and disrupting LNG supplies.
We also run through earnings movers including Target, Best Buy, Swiss sneaker maker On, DFI Retail Group and Wilmar International.
Plus: the next computing revolution may not be in your phone - tech giants like Qualcomm, Meta, Google and Apple are racing to build AI-powered wearables that blend seamlessly into everyday life.
Companies mentioned: Sea Ltd., Target, Best Buy, On Holding, DFI Retail Group, Wilmar International, ST Engineering, Keppel, CapitaLand Integrated Commercial Trust, Qualcomm, Meta, Google, Samsung, Apple, OpenAI.

Money and Me: How to turn an idea into a viable business model

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