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.

Start your day on a positive note with Live Well with Michelle Martin.

The show explores wellbeing in all its dimensions — from self-awareness and personal growth to money, investing, and everyday lifestyle. Through thoughtful interviews and engaging conversations, Michelle speaks with experts and changemakers on living and ageing well, while helping you discover new ideas — from great books on READ and inspiring voices on INFLUENCE, to practical financial insights on MONEY AND ME.

In a fast-moving world that can often feel overwhelming, Live Well offers a refreshing counterpoint — with insights, ideas and stories that help you feel informed, empowered and ready to take on the day.

Start your day on a positive note with Live Well with Michelle Martin.
The show explores wellbeing in all its dimensions &mdash; from self-awareness and personal growth to money, investing, and everyday lifestyle. Through thoughtful interviews and engaging conversations, Michelle speaks with experts and changemakers on living and ageing well, while helping you discover new ideas &mdash; from great books on READ and inspiring voices on INFLUENCE, to practical financial insights on MONEY AND ME.
In a fast-moving world that can often feel overwhelming, Live Well offers a refreshing counterpoint &mdash; with insights, ideas and stories that help you feel informed, empowered and ready to take on the day.

Live Well with Michelle

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

Start your day on a positive note with Live Well with Michelle Martin.

Live Well with Michelle (10am to 1pm)

Money and Me: The 100% Spender

Hosted by Michelle Martin with guest Chen Huifen, Editor of The Business Times, this episode explores the Sustainability Impact Awards 2026 and how sustainability has evolved from a reporting exercise into a driver of business value and resilience.

Michelle and Chen discuss the award categories for individuals, SMEs and large enterprises, why this year's awards highlight companies that help entire ecosystems improve sustainability practices, and the qualities judges look for in standout nominations.

With nominations closing on May 29, the conversation offers insights for any business wondering whether it is ready to step forward.

For more info: https://www.businesstimes.com.sg/events-awards/sustainability-impact-awards/nominations-open-sustainability-impact-awards-2026-mar-9-may-29

How to nominate: https://www.businesstimes.com.sg/events-awards/sustainability-impact-awards/how-to-nominate

Hosted by Michelle Martin with guest Chen Huifen, Editor of The Business Times, this episode explores the Sustainability Impact Awards 2026 and how sustainability has evolved from a reporting exercise into a driver of business value and resilience.
Michelle and Chen discuss the award categories for individuals, SMEs and large enterprises, why this year's awards highlight companies that help entire ecosystems improve sustainability practices, and the qualities judges look for in standout nominations.
With nominations closing on May 29, the conversation offers insights for any business wondering whether it is ready to step forward.
For more info: <a href="https://www.businesstimes.com.sg/events-awards/sustainability-impact-awards/nominations-open-sustainability-impact-awards-2026-mar-9-may-29">https://www.businesstimes.com.sg/events-awards/sustainability-impact-awards/nominations-open-sustainability-impact-awards-2026-mar-9-may-29</a>
How to nominate: <a href="https://www.businesstimes.com.sg/events-awards/sustainability-impact-awards/how-to-nominate">https://www.businesstimes.com.sg/events-awards/sustainability-impact-awards/how-to-nominate</a>

LIVE WELL WITH MICHELLE : Sustainability Impact Awards 2026 - Could Your Business Be Ready?  

What happens when governments start buying into the future? 

Quantum stocks are soaring, Spotify is reinventing itself with AI, and Singapore has quietly reclaimed Southeast Asia's stock market crown.

Hosted by Michelle Martin this episode of Market View explores the U.S. government's US$2 billion push into quantum computing and why investors are treating it like the next AI boom.

Michelle also examines why Singapore has overtaken Indonesia as Southeast Asia's largest stock market, whether Spotify's AI-powered growth ambitions justify its rally, and what Walmart's cautious outlook says about the health of the American consumer.

Plus, what Samsung's AI-driven bonuses reveal about the changing balance between labour and shareholders.

What happens when governments start buying into the future? 
Quantum stocks are soaring, Spotify is reinventing itself with AI, and Singapore has quietly reclaimed Southeast Asia's stock market crown.
Hosted by Michelle Martin this episode of Market View explores the U.S. government's US$2 billion push into quantum computing and why investors are treating it like the next AI boom.
Michelle also examines why Singapore has overtaken Indonesia as Southeast Asia's largest stock market, whether Spotify's AI-powered growth ambitions justify its rally, and what Walmart's cautious outlook says about the health of the American consumer.
Plus, what Samsung's AI-driven bonuses reveal about the changing balance between labour and shareholders.

Market View: Quantum Computing Firms $2 Billion Grants from the US government,  & Singapore is SEA biggest Stock Market 

Hosted by Michelle Martin with guest Alvin Chow, Co-founder of Dr Wealth, this episode explores why OCBC Bank is outperforming DBS Bank and United Overseas Bank, why ComfortDelGro shareholders gains are different from its subsidiaries SBS Transit and Vicom investors, and  the sell-off in Genting Singapore.

Michelle and Alvin also examine five SGX-listed ETFs that surged more than 50%, including one that doubled in value, and unpack why Tencent continues to grow while its share price struggles.

Hosted by Michelle Martin with guest Alvin Chow, Co-founder of Dr Wealth, this episode explores why OCBC Bank is outperforming DBS Bank and United Overseas Bank, why ComfortDelGro shareholders gains are different from its subsidiaries SBS Transit and Vicom investors, and&nbsp; the sell-off in Genting Singapore.
Michelle and Alvin also examine five SGX-listed ETFs that surged more than 50%, including one that doubled in value, and unpack why Tencent continues to grow while its share price struggles.

Money and Me: The 100% Spender

In 3 playlist(s)

Live Well with Michelle (10am to 1pm)

Social links

Follow podcast

Recent clips