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.

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.