We're diving into the topic of family finance, and how couples decide to manage their money together. Should you combine everything into a joint account, keep it separate, or find a balance between both?

Audrey and Ryan share what their families do, and explore the pros and cons of each approach to help you figure out what might work best for your relationship.



Presented by Audrey Siek & Ryan Huang

Produced and Edited by Audrey Siek 

Music and photo credits: Pixabay & its talented community of contributors

We're diving into the topic of family finance, and how couples decide to manage their money together. Should you combine everything into a joint account, keep it separate, or find a balance between both?
Audrey and Ryan share what their families do, and explore the pros and cons of each approach to help you figure out what might work best for your relationship.
 
Presented by Audrey Siek &amp; Ryan Huang
Produced and Edited by Audrey Siek 
Music and photo credits: Pixabay &amp; its talented community of contributors

Get a head start to your work day with Ryan Huang, Emaad Akhtar and Audrey Siek from 6am to 9am. 

Listen to insightful discussions on the stories and issues that matter the most to you and be apprised of the markets and the companies to watch.

Get a head start to your work day with Ryan Huang, Emaad Akhtar and Audrey Siek from 6am to 9am. 
Listen to insightful discussions on the stories and issues that matter the most to you and be apprised of the markets and the companies to watch.

Breakfast with Ryan Huang, Emaad Akhtar and Audrey Siek

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

Insightful discussions on the latest market events and the top companies to watch.

Get a head start on your workday with Ryan Huang, Emaad Akhtar and Audrey Siek from 6 am to 9 am. 

Listen to insightful discussions on the stories and issues that matter the most to you and be apprised of the markets and the companies to watch.

Get a head start on your workday with Ryan Huang, Emaad Akhtar and Audrey Siek from 6 am to 9 am. 
Listen to insightful discussions on the stories and issues that matter the most to you and be apprised of the markets and the companies to watch.

Breakfast with Ryan Huang, Emaad Akhtar and Audrey Siek (6am-9am)

Breakfast Bites: A study suggests couples are happier with joint bank accounts. Why?

Tuition is now a $1.8 billion industry in Singapore fuelled by parental anxiety and an increasingly competitive education landscape. But when centres advertise “90% distinctions” or “ex-MOE teachers”, how much context are parents actually getting?

The Ministry of Education is working with the advertising industry to develop a code of conduct aimed at curbing questionable marketing practices in the sector. Could a standardised disclosure panel raise transparency without over-regulating the market?

Associate Professor Kelvin Law, Nanyang Business School, Division of Accounting at Nanyang Technological University joins the Breakfast Show to unpack why selective disclosure can be misleading even when technically true, and what higher advertising standards could mean for the broader education system.

Tuition is now a $1.8 billion industry in Singapore fuelled by parental anxiety and an increasingly competitive education landscape. But when centres advertise &ldquo;90% distinctions&rdquo; or &ldquo;ex-MOE teachers&rdquo;, how much context are parents actually getting?
The Ministry of Education is working with the advertising industry to develop a code of conduct aimed at curbing questionable marketing practices in the sector. Could a standardised disclosure panel raise transparency without over-regulating the market?
Associate Professor Kelvin Law, Nanyang Business School, Division of Accounting at Nanyang Technological University joins the Breakfast Show to unpack why selective disclosure can be misleading even when technically true, and what higher advertising standards could mean for the broader education system.

Morning Shot: Are Tuition Centres Overselling Success?

The practice of married couples sleeping in separate rooms isn’t new, but it’s being discussed more frequently today.

Some couples in Singapore are also experimenting with what’s known as a “sleep divorce” — choosing to sleep apart to improve sleep quality and, in turn, reduce potential tensions that can arise between partners.

A 2025 survey found that 49 percent of Singaporean respondents have tried sleeping separately from their partners, and 64 percent of them reported improved sleep quality.

Listen in to find out more!

 

Presented by Emaad Akhtar & Ryan Huang

Produced by Emaad Akhtar

Edited by Trisha Yeong

Music credit: Pixabay & its talented community of contributors

The practice of married couples sleeping in separate rooms isn&rsquo;t new, but it&rsquo;s being discussed more frequently today.
Some couples in Singapore are also experimenting with what&rsquo;s known as a &ldquo;sleep divorce&rdquo; &mdash; choosing to sleep apart to improve sleep quality and, in turn, reduce potential tensions that can arise between partners.
A 2025 survey found that 49 percent of Singaporean respondents have tried sleeping separately from their partners, and 64 percent of them reported improved sleep quality.
Listen in to find out more!
&nbsp;
Presented by Emaad Akhtar &amp; Ryan Huang
Produced by Emaad Akhtar
Edited by Trisha Yeong
Music credit: Pixabay &amp; its talented community of contributors

Breakfast Bites: "Sleep divorce" - why are some couples opting to sleep separately?

China has set a 4.5 to 5 percent growth target at this year’s National People’s Congress, signaling a more pragmatic approach as the world’s second largest economy grapples with weak demand, property stress and deflationary pressures. At the same time, escalating tensions around Iran are raising questions about energy security, trade routes and the broader balance of power between China and the United States. Alicia García-Herrero, Chief Economist for Asia Pacific at Natixis CIB, shares what the latest policy signals from Beijing mean for growth, markets and China’s role in an increasingly uncertain global economy.

Produced/Presented: Ryan Huang

China has set a 4.5 to 5 percent growth target at this year&rsquo;s National People&rsquo;s Congress, signaling a more pragmatic approach as the world&rsquo;s second largest economy grapples with weak demand, property stress and deflationary pressures. At the same time, escalating tensions around Iran are raising questions about energy security, trade routes and the broader balance of power between China and the United States. Alicia Garc&iacute;a-Herrero, Chief Economist for Asia Pacific at Natixis CIB, shares what the latest policy signals from Beijing mean for growth, markets and China&rsquo;s role in an increasingly uncertain global economy.
Produced/Presented: Ryan Huang

Breakfast Bites: A study suggests couples are happier with joint bank accounts. Why?

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Breakfast with Ryan Huang, Emaad Akhtar and Audrey Siek (6am-9am)

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