According to the People at Work 2025 report by ADP Research, 60% here in Singapore lived paycheck to paycheck last year. 

Are you spending every dollar you earn—and wondering why saving feels impossible?

What is the real problem here? Michelle Martin dives into the rise of the “100 per cent spender”.

From frictionless digital payments to lifestyle creep, are we wired to overspend in the modern age?

Steffi Teo, Senior Wealth Manager at Phillip Securities, joins to share practical strategies for breaking the cycle.

Hosted by Michelle Martin.

According to the <a href="https://www.adpresearch.com/research/people-at-work-2025-a-global-workforce-view/" data-saferedirecturl="https://www.google.com/url?q=https://www.adpresearch.com/research/people-at-work-2025-a-global-workforce-view/&amp;source=gmail&amp;ust=1753847073283000&amp;usg=AOvVaw2XuD4v1QCSjjgO42X2n9sM">People at Work 2025 report by ADP Research</a>, 60% here in Singapore lived paycheck to paycheck last year.&nbsp;
Are you spending every dollar you earn&mdash;and wondering why saving feels impossible?
What is the real problem here? Michelle Martin dives into the rise of the &ldquo;100 per cent spender&rdquo;.
From frictionless digital payments to lifestyle creep, are we wired to overspend in the modern age?
Steffi Teo, Senior Wealth Manager at Phillip Securities, joins to share practical strategies for breaking the cycle.
Hosted by Michelle Martin.

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: The 100% Spender

What if you could own a slice of a prime building in Singapore for the price of a holiday - and trade it like a stock?

In this episode, hosted by Michelle Martin, we unpack whether real estate tokenisation is a breakthrough or just a buzzword.

What do you actually own? How does tokenised property differ from a REIT?

How as an investor can you tell  whether liquidity is real or theoretical?

Does Singapore’s strong REIT market make tokenisation redundant - or is there a genuine access advantage?

To what extent is tokenisation of property an opportunity in Singapore - or still a wait-and-see experiment?

Michelle Martin speaks with Keith Ong, CEO, RealVantage for his view on the issues.

What if you could own a slice of a prime building in Singapore for the price of a holiday - and trade it like a stock?
In this episode, hosted by Michelle Martin, we unpack whether real estate tokenisation is a breakthrough or just a buzzword.
What do you actually own? How does tokenised property differ from a REIT?
How as an investor can you tell&nbsp; whether liquidity is real or theoretical?
Does Singapore&rsquo;s strong REIT market make tokenisation redundant - or is there a genuine access advantage?
To what extent is tokenisation of property an opportunity in Singapore - or still a wait-and-see experiment?
Michelle Martin speaks with Keith Ong, CEO, RealVantage for his view on the issues.

Money and Me: Property on the Blockchain in SG?

Can you really call yourself the world’s biggest retailer if your edge comes from the cloud?

In this episode, hosted by Michelle Martin with Ryan Huang, we unpack how Amazon dethroned Walmart in 2025 revenue - but only thanks to AWS.

Strip out cloud, and the retail crown looks very different.

We examine Walmart’s softer profit print, its quiet online gains, and why its stock is beating Amazon year-to-date.

In Singapore, DBS upgrades Genting Singapore amid strong cash reserves and a constructive gaming environment.

Plus: Sea Ltd & Google’s AI tie-up, Nestlé’s ice cream exit, New Balance vs Nike, OUE REIT & UOB’s One Raffles Place sale, and the STI’s charge past 5,000.

Hear about: Amazon | Walmart | AWS | DBS | Genting Singapore | Sea Ltd | Google | Nestlé | New Balance | Nike | OUE REIT | UOB | Yangzijiang Shipbuilding | Mapletree Logistics Trust

Can you really call yourself the world&rsquo;s biggest retailer if your edge comes from the cloud?
In this episode, hosted by Michelle Martin with Ryan Huang, we unpack how Amazon dethroned Walmart in 2025 revenue - but only thanks to AWS.
Strip out cloud, and the retail crown looks very different.
We examine Walmart&rsquo;s softer profit print, its quiet online gains, and why its stock is beating Amazon year-to-date.
In Singapore, DBS upgrades Genting Singapore amid strong cash reserves and a constructive gaming environment.
Plus: Sea Ltd &amp; Google&rsquo;s AI tie-up, Nestl&eacute;&rsquo;s ice cream exit, New Balance vs Nike, OUE REIT &amp; UOB&rsquo;s One Raffles Place sale, and the STI&rsquo;s charge past 5,000.
Hear about:&nbsp;Amazon | Walmart | AWS | DBS | Genting Singapore | Sea Ltd | Google | Nestl&eacute; | New Balance | Nike | OUE REIT | UOB | Yangzijiang Shipbuilding | Mapletree Logistics Trust

Market View: Amazon vs Walmart, Genting’s Bet & The STI at 5,000

If AI can replace junior lawyers overnight, what does that mean for your portfolio tomorrow?

In this episode, hosted by Michelle Martin, with guest Arun Pai, Associate Partner, Monk’s Hill Ventures  we unpack how an AI model from Anthropic is unsettling legal firms and deepening the AI scare trade across tech markets.

Why did billions evaporate in a single session - was it panic, or a recognition that business models are being rewritten?

We explore whether value now lies in proprietary data, ecosystem dominance, or AI infrastructure control.
In Asia, Indian billionaire Mukesh Ambani and Larry Fink of BlackRock are urging Indians to pivot from gold into domestic equities - could this fuel a 1990s-style retail boom?

We assess India’s growth outlook and whether capital rotation signals explosive expansion ahead.

If AI can replace junior lawyers overnight, what does that mean for your portfolio tomorrow?
In this episode,&nbsp;hosted by Michelle Martin, with guest&nbsp;Arun Pai, Associate Partner, Monk&rsquo;s Hill Ventures&nbsp;&nbsp;we unpack how an AI model from&nbsp;Anthropic&nbsp;is unsettling legal firms and deepening the AI scare trade across tech markets.
Why did billions evaporate in a single session - was it panic, or a recognition that business models are being rewritten?
We explore whether value now lies in proprietary data, ecosystem dominance, or AI infrastructure control. In Asia, Indian billionaire&nbsp;Mukesh Ambani&nbsp;and&nbsp;Larry Fink&nbsp;of&nbsp;BlackRock are urging Indians to pivot from gold into domestic equities - could this fuel a 1990s-style retail boom?
We assess India&rsquo;s growth outlook and whether capital rotation signals explosive expansion ahead.

Money and Me: The 100% Spender

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

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