When someone says the words “I have debts to pay” or “I’m in debt” - usually we think… not good things? We often think of debt as a dirty word — something to avoid.

But not all debt is created equal. Some kinds of debt can actually help you build wealth, open doors, and improve your quality of life… if you manage them wisely.

 

Presented by Audrey Siek & Ryan Huang

Produced by Audrey Siek

Edited by Trisha Yeong 

Photo and music credit: Pixabay & its talented community of contributors

When someone says the words &ldquo;I have debts to pay&rdquo; or &ldquo;I&rsquo;m in debt&rdquo; - usually we think&hellip; not good things? We often think of debt as a dirty word &mdash; something to avoid.
But not all debt is created equal. Some kinds of debt can actually help you build wealth, open doors, and improve your quality of life&hellip; if you manage them wisely.
&nbsp;
Presented by Audrey Siek &amp; Ryan Huang
Produced by Audrey Siek
Edited by Trisha Yeong&nbsp;
Photo and music credit: 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: Believe it or not, there is such a thing as "good debt". But you gotta be careful.

Most engineering students build prototypes. Ashley Mun built a fragrance brand. What started as a fascination with scent evolved into Ashley Mun Candles, a Singapore-based label producing hand-poured candles, car diffusers, and premium scent experiences.

In this episode of Mind Your Business, The Breakfast Show explores how he transitioned from student to founder, developed his products from scratch, sourced materials aligned with his sustainability philosophy, and secured partnerships with major automotive brands.

Most engineering students build prototypes. Ashley Mun built a fragrance brand. What started as a fascination with scent evolved into Ashley Mun Candles, a Singapore-based label producing hand-poured candles, car diffusers, and premium scent experiences.
In this episode of Mind Your Business, The Breakfast Show explores how he transitioned from student to founder, developed his products from scratch, sourced materials aligned with his sustainability philosophy, and secured partnerships with major automotive brands.

Mind Your Business: From engineering student to fragrance founder

Shopping malls in Singapore are no longer just about convenience: they’re being reimagined as spaces for community, experience, and everyday living.

Adrian Tan, Managing Director of Retail at Frasers Property Singapore, shares how retail spaces are evolving, what today’s consumers really want, and the key trends shaping the future of Singapore’s retail property landscape.

 

Shopping malls in Singapore are no longer just about convenience: they&rsquo;re being reimagined as spaces for community, experience, and everyday living.
Adrian Tan, Managing Director of Retail at Frasers Property Singapore, shares how retail spaces are evolving, what today&rsquo;s consumers really want, and the key trends shaping the future of Singapore&rsquo;s retail property landscape.
&nbsp;

Bigger Pic: A shift in retail property - From transactions to experiences

A viral TikTok video questioning why hundreds of flats from a Bukit Merah BTO project later appeared in the Sale of Balance Flats exercise has reignited debate about fairness and transparency in Singapore’s public housing system. The Housing Board has clarified that such units are typically unsold, unselected, or returned flats that are only offered after all eligible BTO applicants have had their chance to book a unit.

But the episode also reflects a broader frustration many homebuyers feel — repeatedly balloting for flats in popular locations and still coming up empty-handed. Nicholas Mak, Chief Research Officer, Mogul.sg joins the Breakfast Show to unpack how balance flats arise, why supply can appear suddenly in later exercises and what this reveals about demand patterns in Singapore’s housing market.

A viral TikTok video questioning why hundreds of flats from a Bukit Merah BTO project later appeared in the Sale of Balance Flats exercise has reignited debate about fairness and transparency in Singapore&rsquo;s public housing system. The Housing Board has clarified that such units are typically unsold, unselected, or returned flats that are only offered after all eligible BTO applicants have had their chance to book a unit.
But the episode also reflects a broader frustration many homebuyers feel &mdash; repeatedly balloting for flats in popular locations and still coming up empty-handed.&nbsp;Nicholas Mak, Chief Research Officer, Mogul.sg joins the Breakfast Show to unpack how balance flats arise, why supply can appear suddenly in later exercises and what this reveals about demand patterns in Singapore&rsquo;s housing market.

Breakfast Bites: Believe it or not, there is such a thing as "good debt". But you gotta be careful.

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

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