As 2026 begins, Money and Me takes a moment of introspection - looking not just at how much you made, but how you spent.

What did money add to your life in 2025 - and what quietly drained your peace, health, or joy?

Hosted by Michelle Martin, this episode features Christopher Tan, CEO of Providend, who introduces a powerful reframing: Return on Spending, not just Return on Investing.

From a $10,000 wedding anniversary to resisting ego-driven purchases, Christopher shares how values - not status - guided his big financial decisions.

The conversation explores how spending today shapes the future story of our health, ageing, and relationships.

Listeners are invited to do a simple year-end money audit - no spreadsheets required - before setting their goals for the year ahead.

 

As 2026 begins, Money and Me takes a moment of introspection - looking not just at how much you made, but how you spent.
What did money add to your life in 2025 - and what quietly drained your peace, health, or joy?
Hosted by Michelle Martin, this episode features Christopher Tan, CEO of Providend, who introduces a powerful reframing: Return on Spending, not just Return on Investing.
From a $10,000 wedding anniversary to resisting ego-driven purchases, Christopher shares how values - not status - guided his big financial decisions.
The conversation explores how spending today shapes the future story of our health, ageing, and relationships.
Listeners are invited to do a simple year-end money audit - no spreadsheets required - before setting their goals for the year ahead.
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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: Your Guide to Shaping your Future Self & Money

When rates diverge, the real risk isn’t missing the bottom - it’s what you do once you’re there.

Singapore’s interest rates are nearing a projected floor, while the UK remains stubbornly higher - setting up a rare refinancing crossroads for homeowners.

Michelle Martin speaks with Daniel Sim, Founder of Golden Goose Properties, about whether this is the moment to lock in cash-flow relief or risk overleveraging,refinancing timelines and borrower psychology.

From Singapore’s TDSR to the UK’s stress tests, we explore how safeguards work - and where blind spots still exist.

Ultimately, it’s about keeping leverage as a disciplined wealth tool, not a silent strain - hosted by Michelle Martin.

When rates diverge, the real risk isn&rsquo;t missing the bottom - it&rsquo;s what you do once you&rsquo;re there.
Singapore&rsquo;s interest rates are nearing a projected floor, while the UK remains stubbornly higher - setting up a rare refinancing crossroads for homeowners.
Michelle Martin speaks with Daniel Sim, Founder of Golden Goose Properties, about whether this is the moment to lock in cash-flow relief or risk overleveraging,refinancing timelines and borrower psychology.
From Singapore&rsquo;s TDSR to the UK&rsquo;s stress tests, we explore how safeguards work - and where blind spots still exist.
Ultimately, it&rsquo;s about keeping leverage as a disciplined wealth tool, not a silent strain - hosted by Michelle Martin.

Money and Me: When Interest Rates are on the Floor, When is Investing Smart Leverage or a Debt Trap?

Big earnings, so why did Wall  Street sell?

Earnings season kicks off with surprises as JPMorgan Chase posts higher revenue but lower profits - and investors head for the exits.

Michelle Martin and Ryan Huang unpack why a one-time Apple card charge and booming trading desks still weren’t enough to calm markets.

Delta Air Lines delivers soaring profits powered by premium travel - yet its shares dip as expectations run even hotter.

UP or DOWN breaks down GigaDevice’s explosive Hong Kong debut, SK Hynix’s US$13 billion chip bet, Meta’s Ray-Ban push, and Singapore port records.

A bullish Broker’s Take sees UOB Kay Hian calling 40% upside for NTT DC REIT, riding global demand for data centres.

And in The Last Word, a viral Chinese app called “Are You Dead?” reveals a surprisingly human fear in hyper-connected cities - hosted by Michelle Martin with Ryan Huang.

Big earnings, so why did Wall&nbsp; Street sell?
Earnings season kicks off with surprises as JPMorgan Chase posts higher revenue but lower profits - and investors head for the exits.
Michelle Martin and Ryan Huang unpack why a one-time Apple card charge and booming trading desks still weren&rsquo;t enough to calm markets.
Delta Air Lines delivers soaring profits powered by premium travel - yet its shares dip as expectations run even hotter.
UP or DOWN breaks down GigaDevice&rsquo;s explosive Hong Kong debut, SK Hynix&rsquo;s US$13 billion chip bet, Meta&rsquo;s Ray-Ban push, and Singapore port records.
A bullish Broker&rsquo;s Take sees UOB Kay Hian calling 40% upside for NTT DC REIT, riding global demand for data centres.
And in The Last Word, a viral Chinese app called &ldquo;Are You Dead?&rdquo; reveals a surprisingly human fear in hyper-connected cities - hosted by Michelle Martin with Ryan Huang.

Market View: Profits, Premium Seats & a Check-In Button

A digital bank, a S$1.3 billion war chest - and a big question: can a newcomer really change how Singaporeans save, invest and bank.

Michelle speaks with Natalia Goh, CEO of MariBank, on how a digital-first model is reshaping everyday finance.

Backed by Sea Limited and licensed by the Monetary Authority of Singapore, MariBank has rapidly grown its investment offerings to over S$1.3 billion in AUM.

We unpack how the Lion - MariBank SavePlus Fund works, what investors should know about short-term bonds and capital preservation, and how gold investing fits into a digital wallet for this bank's customers.

Natalia also explains fixed deposit rates, the rationale behind the S$100,000 deposit cap, and what safety looks like in a digital bank.

Finally, we ask the big question for savers and investors alike: is putting your money with a digital bank worth a thought?

A digital bank, a S$1.3 billion war chest - and a big question: can a newcomer really change how Singaporeans save, invest and bank.
Michelle speaks with&nbsp;Natalia Goh, CEO of&nbsp;MariBank, on how a digital-first model is reshaping everyday finance.
Backed by&nbsp;Sea Limited&nbsp;and licensed by the&nbsp;Monetary Authority of Singapore, MariBank has rapidly grown its investment offerings to over S$1.3 billion in AUM.
We unpack how the Lion - MariBank SavePlus Fund works, what investors should know about short-term bonds and capital preservation, and how gold investing fits into a digital wallet for this bank's customers.
Natalia also explains fixed deposit rates, the rationale behind the S$100,000 deposit cap, and what safety looks like in a digital bank.
Finally, we ask the big question for savers and investors alike: is putting your money with a digital bank worth a thought?

Money and Me: Your Guide to Shaping your Future Self & Money

Your Money with Michelle Martin

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

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