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 inflation isn’t an accident - but a feature of the system?

In this episode of Money and Me, hosted by Michelle Martin, we dive beneath the headlines with Paul Musson, author of Capital Offence: Why Some Benefit At Your Expense.

Musson argues that the modern monetary system quietly redistributes wealth - often from savers and wage earners to asset owners.

We unpack why many investors confuse money with real capital, and why that matters.

The conversation explores declining trust in systems, the role of central banks, and whether gold or cryptocurrencies are rational responses.

Finally, we examine what a future might look like in a world of rising debt, deficits and monetary expansion.

What if inflation isn&rsquo;t an accident - but a feature of the system?
In this episode of Money and Me,&nbsp;hosted by Michelle Martin, we dive beneath the headlines with Paul Musson, author of&nbsp;Capital Offence: Why Some Benefit At Your Expense.
Musson argues that the modern monetary system quietly redistributes wealth - often from savers and wage earners to asset owners.
We unpack why many investors confuse money with real capital, and why that matters.
The conversation explores declining trust in systems, the role of central banks, and whether gold or cryptocurrencies are rational responses.
Finally, we examine what a future might look like in a world of rising debt, deficits and monetary expansion.

Money and Me: Who Really Wins When Money Is Printed?

War rhetoric, surging oil and AI spending are colliding - and markets are trying to figure out what breaks first.

In this episode of Market View, hosted by Michelle Martin with Ryan Huang, we unpack how mixed signals from U.S. President Donald Trump on the Iran conflict are rattling investors and pushing Brent crude toward the US$100 mark.

We explore what 50 years of oil shocks teach us about the two signals markets really watch during geopolitical crises.

Strategist Ed Yardeni warns the odds of a U.S. market meltdown could rise to 35% if the Iran conflict escalates - but is that too pessimistic?

Meanwhile, the AI infrastructure race intensifies as Oracle builds massive data centers financed by heavy borrowing.

We also play UP or DOWN with HPE, Hims & Hers, YouTube and Suntec REIT, and check in on the Straits Times Index, Hongkong Land, UOL and Wilmar International as Singapore markets try to stabilize.

Companies mentioned: Oracle, Hewlett Packard Enterprise (HPE), Hims & Hers, YouTube, Suntec REIT, Hongkong Land, UOL, Wilmar International

War rhetoric, surging oil and AI spending are colliding - and markets are trying to figure out what breaks first.
In this episode of Market View,&nbsp;hosted by Michelle Martin with Ryan Huang, we unpack how mixed signals from U.S. President Donald Trump on the Iran conflict are rattling investors and pushing Brent crude toward the US$100 mark.
We explore what 50 years of oil shocks teach us about the two signals markets really watch during geopolitical crises.
Strategist Ed Yardeni warns the odds of a U.S. market meltdown could rise to 35% if the Iran conflict escalates - but is that too pessimistic?
Meanwhile, the AI infrastructure race intensifies as Oracle builds massive data centers financed by heavy borrowing.
We also play UP or DOWN with HPE, Hims &amp; Hers, YouTube and Suntec REIT, and check in on the&nbsp;Straits Times Index, Hongkong Land, UOL and Wilmar International&nbsp;as Singapore markets try to stabilize.
Companies mentioned:&nbsp;Oracle, Hewlett Packard Enterprise (HPE), Hims &amp; Hers, YouTube, Suntec REIT, Hongkong Land, UOL, Wilmar International

Market View: Is there a real path to de-escalation for the Iran conflict? Will the US market meltdown? AI’s Debt-Fueled Data Center Boom

A smoky char siew filling , molten salted egg custard, and a skin so thin it almost melts in your mouth- this humble pau has built a Singapore food legacy spanning three decades

Tanjong Rhu Pau is so famous customers keep returning.

Founded in 1988, the family business is now run by siblings Chloe Yap and Yap Wei Jie, who stepped in to continue their parents’ legacy.

They share their modern expansion plans, including deliveries, with Michelle Martin.

Find out how this family businesses is reinventing while staying true to what made them beloved in the first place.

A smoky char siew filling , molten salted egg custard, and a skin so thin it almost melts in your mouth- this humble pau has built a Singapore food legacy spanning three decades
Tanjong Rhu Pau is so famous customers keep returning.
Founded in 1988, the family business is now run by siblings Chloe Yap and Yap Wei Jie, who stepped in to continue their parents&rsquo; legacy.
They share their modern expansion plans, including deliveries, with Michelle Martin.
Find out how this family businesses is reinventing while staying true to what made them beloved in the first place.

Money and Me: The 100% Spender

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