A budgeting rule has been making the rounds... it’s called the 50/30/20 rule.  WIth this model, 50% of your pay goes to needs, 30% to wants, and 20% to savings.

But in today’s economy, cost of living, inflation and so on, do we need to make some adjustments?

Join us as we break down how budgeting advice is evolving and how you can tweak the numbers to fit your financial reality. 



Presented by Audrey Siek & Ryan Huang

Produced and Edited by Audrey Siek 

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

A budgeting rule has been making the rounds... it’s called the 50/30/20 rule.  WIth this model, 50% of your pay goes to needs, 30% to wants, and 20% to savings.
But in today’s economy, cost of living, inflation and so on, do we need to make some adjustments?
Join us as we break down how budgeting advice is evolving and how you can tweak the numbers to fit your financial reality. 
 
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: The 50/30/20 Budgeting Rule - Does it need some tweaking?

Cyberattacks have come a long way,  from nuisance malware a decade ago to highly coordinated operations powered by artificial intelligence. Today, attackers can automate ransomware campaigns, scan for vulnerable systems at scale, and even mimic human behaviour to slip past security checks. For many businesses, especially SMEs, the risks are no longer theoretical but immediate and costly.

In this episode of Morning Shot, the Breakfast Show speaks with Sebastian Phua, Head of Business Strategy at Delta Underwriting, who brings an “offense-informed” perspective shaped by hands-on experience as a Certified Ethical Hacker.

Cyberattacks have come a long way,&nbsp; from nuisance malware a decade ago to highly coordinated operations powered by artificial intelligence. Today, attackers can automate ransomware campaigns, scan for vulnerable systems at scale, and even mimic human behaviour to slip past security checks. For many businesses, especially SMEs, the risks are no longer theoretical but immediate and costly.
In this episode of Morning Shot, the&nbsp;Breakfast Show speaks with Sebastian Phua, Head of Business Strategy at Delta Underwriting, who brings an &ldquo;offense-informed&rdquo; perspective shaped by hands-on experience as a Certified Ethical Hacker.

Morning Shot: Why Cyberattacks Are Getting Smarter And What SMEs Are Missing

Match Group has invested $100 million into Sniffies, signaling a shift in the online dating landscape. As traditional swipe-based apps face user fatigue, the company is exploring new formats and communities while leaning into artificial intelligence to reshape user experience.

Dan Koh, Ryan Huang and Audrey Siek find out what this move means for the future of dating and digital platforms.

Match Group has invested $100 million into Sniffies, signaling a shift in the online dating landscape. As traditional swipe-based apps face user fatigue, the company is exploring new formats and communities while leaning into artificial intelligence to reshape user experience.
Dan Koh, Ryan Huang and Audrey Siek find out what this move means for the future of dating and digital platforms.

Companies To Watch: Match Group bets on the future of dating with $100 million Sniffies investment

From that mid-afternoon slump to struggling to focus at work, could your diet be to blame? We break down new research linking ultra-processed foods to lower attention spans, and explore how everyday choices may be impacting your energy, mood and performance more than you think!

 

Presented by Audrey Siek & Ryan Huang

Produced by Audrey Siek

Edited by Trisha Yeong and Dan Koh

Photo and music credit: Pixabay and their talented community of contributors

From that mid-afternoon slump to struggling to focus at work, could your diet be to blame? We break down new research linking ultra-processed foods to lower attention spans, and explore how everyday choices may be impacting your energy, mood and performance more than you think!
&nbsp;
Presented by Audrey Siek &amp; Ryan Huang
Produced by Audrey Siek
Edited by Trisha Yeong and Dan Koh
Photo and music credit: Pixabay and their talented community of contributors

Breakfast Bites: The 50/30/20 Budgeting Rule - Does it need some tweaking?

In 2 playlist(s)

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

Social links

Follow podcast

Recent clips