Join Michelle Martin on Money and Me, hosted by Michelle Martin with guest Shen Hao, Financial Services Manager at PhillipCapital.

Retrenchments ticked up in Q4 2024 even as annual numbers declined—reminding us that job security remains fragile.

Shen Hao shares practical, real-world strategies to future-proof your finances and build resilience through emergency funds, portfolio diversification, and contingency planning.

He breaks down how much you really need to save, whether to pause investments, and how to juggle short-term needs with long-term goals.

Gain tools from his financial literacy courses and hear how his team guides over 500 families through turbulent times.

If you’re a mid-career professional with financial obligations, this episode is packed with actionable insights.