Exploring life’s journeys from family, hobbies, careers, personal growth, and more with your host Nicholas Braman. During frank conversations with a wide variety of guests from Singapore and beyond, we talk about how people got to where they are, how they keep moving forward, and where they want to get to. You’ll hear from entrepreneurs, corporate leaders, creatives, athletes, people carving out their own paths, and more. As we dig into these stories I aim to not only learn from their journe ...
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Nicholas Braman Podcasts
The Financial Coconut is Singapore’s First Finance Podcast Network. We are focused on covering insights, stories and frameworks around Retirement, Financial Wellness and Income anywhere. If you love what we do, join our email list to stay connected. Feel free to join our community Telegram group! https://t.me/thefinancialcoconutpodcast Whatsapp channel: https://rebrand.ly/whatsapp-join-TFC More of what we do: https://linkin.bio/thefinancialcoconut Hosted on Acast. See acast.com/privacy for m ...
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What No One Tells You About 6-Figure Jobs in Singapore [W&S 129 ft Nicholas Braman]
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45:20You’ve probably heard the buzz about hitting that coveted six-figure income. But what does it really take to get there—and what are the sacrifices no one talks about? We deep dive into the realities of earning a six-figure salary in Singapore—straight from someone who’s living it. - The 24/7 mental load that comes with the paycheck (hint: "work-lif…
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Rate Cuts, Real Returns: How to Still Find Yield in a Low-Rate Environment [Chills 224, Sponsored by BigFundr]
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41:40Interest rates dropping? Markets volatile? Where do savvy investors park their cash now? Join host Reggie for a power-packed episode where we reveal: - Why private credit is becoming a go-to for investors seeking yield - How the Australian property market remains resilient despite global uncertainty - What makes real estate-backed loans a safer bet…
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24. When Art Stops Asking Questions with Sarah Choo Jing
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45:28In this episode of Before We Get There, host Nicholas Braman sits down with multidisciplinary artist Sarah Choo Jing. Sarah delves into her creative process, focusing on her project 'Accelerated Intimacy' and her experiences connecting with strangers in hotel rooms. The conversation spans her philosophical approach to art, the impact of technology …
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He Made $100K Selling Stickers At 21! Here’s The Strategy. [TBS 20 Dylan Chia, dchtoons]
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42:33Ever wondered how a 21-year-old turned doodles into a $100,000 sticker empire —and landed their product in the hands of a K-pop sensation? Buckle up, because this week’s guest is rewriting the rules of small business. Meet Dylan Chia, Founder of dchtoons, a self-taught artist who went from printing stickers in his bedroom to supplying wholesale ord…
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The Cost of Burnout: Simple Strategies Every Manager Should Know [W&S 128, Manage Who ft Susan Chen, Nicole Lee]
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44:55
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44:55Deadlines, generational divides, team conflicts, communication breakdowns—Are you a manager feeling the pressure? We’re tackling real-life leadership challenges submitted by YOU — our amazing listeners. In this episode: - Practical strategies for managing conflicts and collaboration across age groups - How to handle communication breakdowns in fast…
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Real Life $100k Surplus Framework: Chief Actuary's Financial Portfolio [Chills 223 ft Alex Lee, President of SG Actuarial Society]
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40:33
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40:33What if you could retire decades earlier without a CEO’s salary? Meet Alex Lee—former insurance regulator, ex-CFO, and Chief Actuary— he’s the brains behind some of the most critical financial models in healthcare and insurance, and now, he’s spilling the tea on how he retired early without sacrificing security or happiness. He reveals: - The "F-Yo…
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How To Franchise In Malaysia: Strategies For A S$16.2 Billion Opportunity [TBS 19 ft Malaysian Franchise Association]
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29:57
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29:57Ever wondered how your brand could crack the lucrative markets right on Singapore's doorstep? Or what Malaysian franchises know about scaling that we don't? We pull back the curtain on the real franchising game between Singapore and Malaysia. We’re joined by a true industry heavyweight: Deric Yeo, Secretary General of the Malaysian Franchise Associ…
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Why MNC Professionals Are Gold In SMEs. How To Thrive & Be Well Remunerated [W&S 127 ft Doreen Heng]
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44:10Ever considered leaving the stability of a multinational corporation (MNC) for the dynamic, fast-paced world of a small-to-medium enterprise (SME)? What if we told you that the leap could come with a pay cut, more responsibility, and a completely different company culture? We dive into the real, raw stories behind professionals who’ve made the swit…
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Is Mixue, Luckin or Chagee the BEST Chinese Beverage IPO? [Chills 222 ft Willie Keng & Lee Kok How]
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45:19
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45:19What’s brewing in China’s $46 billion beverage market? From explosive IPOs to cutthroat competition, three giants are rewriting the rules of global F&B dominance. Are they sustainable growth stories or hype-fueled bubbles? Tune in as we decode: - How these brands scale thousands of stores faster than Starbucks while staying profitable? - Tech vs. T…
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23. From Classical Perfection to Authentic Expression with Heema Izzati
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45:08
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45:08In this episode of Before We Get There, host Nicholas Braman sits down with Heema Izzati, a young and burgeoning musician with two solo songs on Spotify and a forthcoming EP. Hema discusses her creative process, the shift from perfection to expression, and how she navigates challenges like writer's block and performance nerves. The conversation del…
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Internet Media Sensation Shares His Pricing and Business Strategies! [TBS 18 ft Koocester]
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44:12In this electrifying episode, Reggie pulls back the curtain on an anonymous internet sensation who turned curiosity into a multi-million-view media empire—all while hiding behind a literal green chair. You’ll discover: - The radical privacy strategy that helped his brand scale beyond his identity - How he monetised accidentally viral content—starti…
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How to Survive the AI Unemployment Crisis [W&S 126 ft Jeremy Tan]
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43:01We dive into the AI revolution with a provocative guest who’s shaking up conversations about automation, economics, and survival in the age of humanoids. In this eye-opening episode, they unpack: - The hidden crisis for professionals: Why your career might be on borrowed time. - Shocking stats about graduates and layoffs – and what it means for YOU…
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Healthcare Cost in Singapore is Unsustainable. But is SDP's plan any better? [Chills 221 ft Dr Paul Tambyah]
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45:50Ever opened your hospital bill and felt your heart skip a beat? What if everyone paid the same price for healthcare—no copays, no deductibles, no loopholes? We’re diving into a plan that could flip Singapore’s healthcare system upside down… and the shockingly high stakes if we don’t act. You’ll not want to miss this one. Meet Dr. Paul Tambyah, infe…
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Building the Best Business Team to Take On the APAC Market. The AI Way. [TBS 17, Sponsored by AlphaSense]
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42:37
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42:37"I think of culture as the collective personality of your team... and numbers ARE at the heart of it." Ever wondered how top companies build unstoppable teams in today’s hybrid work chaos? On this episode of The TFC Business Show, we dive deep with a leader who’s cracked the code on scaling global teams, winning talent battles, and harnessing AI fo…
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Our Top Career Advice for Gen Z First Jobbers! A Comforting Recount for Millennials, We did our Best. [W&S 125]
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42:04Ever wish you could time-travel and give your past self career advice? Join Reggie, Dawn, Adrian, and Anthony in this raw, unfiltered episode as they revisit their chaotic first-job journeys—complete with cringe-worthy interviews, unexpected red flags, and hard-won wisdom. You’ll hear: Adrian (Professional CMO, Author of 'No More Bosses', and self-…
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Sandwich Generation Woes: How to Protect Your Family & Your Future [Chills 220 TINFA ft Prudential]
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41:40Are you a freelancer struggling with inconsistent income and the fear of unexpected medical bills? Or maybe you're a parent juggling the financial demands of raising children and caring for aging parents? Join us for another TINFA episode (This Is Not Financial Advice), as they tackle YOUR burning questions about financial planning and insurance: Y…
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In this insightful conversation, Nicholas welcomes a guest who shares her observations on different parenting styles between Asian and Western parents, emphasizing the implications on children's development and future workplace behavior. The guest recounts her own upbringing in China, her transformative years in Germany, and her journey through cor…
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The Real Cost of Teaching in Singapore: Time, Energy, Mental Health [W&S 124 ft Ex-MOE Teachers]
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41:45Ever wondered what it’s REALLY like to be a teacher? Why do passionate educators walk away from the profession? And what happens after they leave? In this raw episode, we sat with former teachers who dared to trade the chalkboard for new adventures. They pull back the curtain on: - The hidden challenges: From "low-grade stress that never switches o…
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Singaporeans’ China Dream, Career, Business & Family in Shanghai [Chills 219 ft Roy Lin & Keith Ng]
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44:35
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44:35Ever wondered what it's really like to run a business in China? From surviving the early 2000s recession to building innovative platforms, learn how these two seasoned Singaporean entrepreneurs spent over a decade building their ventures in the world's second-largest economy. Expect raw, unfiltered insights about the real challenges, unexpected opp…
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Small Capital Businesses in Malaysia, a Great Corporate Exit Plan [TBS 16 ft Hossan Leong & Isaac Peter]
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37:07
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37:07Join Reggie and co-host, Abu Sofian, Founder of Seyrul Consulting & Keynote Speaker, in a candid panel with three cross-border experts who’ve cracked the code on expanding from Singapore to Malaysia. Forget textbook advice—this is raw, on-the-ground wisdom you won’t find anywhere else! Meet our Guests: Hossan Leong, Creative Director (Entertainer-t…
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Stanford’s Life Design Framework suggest different way to Work & Life [W&S 123 ft Designing Your Life Institute & Memory Lane]
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40:30Tired of the "straight path" career myth? In a world where AI reshapes jobs overnight and passion projects turn into thriving ventures, how do you design a career that’s future-proof—and fulfilling? Meet our powerhouse guests: Jason MJ Tan – Ex-Meta & TikTok AI engineer turned Founder of MemoryLane, an AI startup empowering seniors. His journey? Bu…
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Where Does Your Money Go? The Tough Talk About SG Budget [Chills 218 ft MOF Budget Directors]
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42:18
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42:18Curious how Singapore’s annual Budget comes to life? Tune in as our hosts Reggie and Adrian, author of “No More Bosses,” dive deep with two top minds from the Ministry of Finance (MOF): - Lim Ming Jing (Director, Social Programmes) and - John Koh (Budget 2025 Director and concurrently Director, Security & Resilience Programmes) What’s in store? - B…
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21. Kitchens, Family, and Modernizing Tradition with Ariff Zin
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40:52In this episode of Before We Get There, host Nicholas Braman sits down with Ariff Zin, Head Chef at Rumah Makan Minang, one of Singapore's oldest Nasi Padang restaurants. Ariff shares insights into his lifelong journey in the food industry, from growing up in his family's restaurant to his intensive training at the Culinary Institute of America and…
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He Built Singapore's Largest Co-Living with a 20 man team. Eyeing a Listing? [TBS 15 ft Eugene Lim, The Assembly Place]
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44:41What does it take to scale from a single rented house to becoming Singapore’s largest co-living operator with nearly 5,000 keys? We sat with Eugene Lim, Founder and CEO of The Assembly Place (TAP), for an unfiltered conversation about bold pivots, gritty beginnings, and building a real estate business with purpose. In this episode: From broke uni s…
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Is DEI Workplace Dead In Singapore? What Is It Costing all of us? [W&S 122 ft Stewardship Asia Centre]
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43:36What happens when DEI—once a corporate buzzword—quietly fades into the background? Has inclusion lost its value, or is it simply evolving? We dive into the heated debate around diversity, equity, and inclusion in today’s shifting workplace landscape. Meet the Guests: Nina Devouge - CEO, Elleuminate Group; A People Culture & Talent Expert with 20+ y…
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Should I still get Integrated Shield Plans today? Many are dropping. [Chills 217 ft Singapore Actuarial Society, Havend]
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42:02Did you know your lifetime healthcare insurance could cost nearly a million dollars? Join special guests as they pull back the curtain on the jaw-dropping mechanics of Integrated Shield Plans: Alex Lee, Chief Actuary David Wu, Minimalist in the City & Financial Coach Eddy Cheong, CEO of Havend In this episode, uncover: Why premiums keep skyrocketin…
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Survive F&B: Proven Profit Strategies & Hiring Hacks [TBS 14 ft Timbre, Black Hole Group, RespectSG]
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44:48
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44:48Survival, innovation, and the secret sauce behind thriving in one of the toughest industries—this episode, in partnership with RespectSG, is a masterclass in resilience! Join our two titans of Singapore’s F&B scene: - Danny Loong, CEO of Timber Group and chairman of Respect SG, who’s redefining placemaking with live music, hawker hubs, and a missio…
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70k Salary in SG: Why You’re Stuck—and How to Jump Ahead [W&S 121 ft Morgan McKinley & Talentkraft]
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46:38
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46:38Curious how your salary stacks up in today’s competitive job market? Wondering if it’s the right time to ask for a raise—or how to future-proof your career in the age of AI Get answers as we explore Singapore’s salary trends, workplace flexibility wars, and the skills you need to stay ahead. Guests: - Ken Ong, Country Head at Morgan McKinley, unvei…
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Is Now the Right Time to Buy/Sell/Add SG Banks? Yield vs Valuation Explained [Chills 216 ft Dividend Titan]
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40:49
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40:49Are Singapore banks the golden ticket to bulletproof investing? Or is the ship sailing just as the storm clouds gather? Join Reggie, your Chief Financial Coconut, and special guest Willie Keng—Founder of DividendTitan.com and a seasoned expert in dividend investing—as they crack open the vault on one of Singapore’s most debated topics: Should you i…
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20. From Childhood Dreams to the Silver Screen with Joyce Harn
41:23
41:23
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41:23In this episode of Before We Get There, host Nicholas Breman sits down with Malaysian actress Joyce Harn. Known for her work in 'Fly by Night,' 'Budak Flat,' and various other shows and movies, Joyce shares insights into her acting career, passion for judo, and the challenges she faces in the industry. She discusses her upbringing, educational jour…
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The AI Growth Frontier Is Here: How AlphaSense Is Riding The Wave [TBS 13, Sponsored by AlphaSense]
37:51
37:51
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37:51Are you ready to peek behind the curtain of the AI revolution? Dive into the world of enterprise AI with two extraordinary guests who are reshaping how businesses make decisions: Mark Leadercramer, AlphaSense APAC Regional Director. A tech veteran who transitioned from Stripe to the cutting-edge world of AI-powered market intelligence Serene Keng, …
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Alumni Job Network: How to Use And Build It Effectively [W&S 120 ft Christopher Fong, Xoogler Founder]
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44:33Are you a tech professional feeling lost in the layoff cycle? Or maybe you're in another industry facing similar challenges? This episode of Wise Shine is a must-listen! We dive into the power of alumni networks, emotional resilience, and reinvention in the tech world. Join us and our guests: ✨ Christopher Fong – Co-Founder/President of Key, and Fo…
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5% Inflation, 2.5% CPF Returns: Is Your Retirement at Risk? [TFC #GE2025 Special 04 ft Chief Actuary]
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56:44
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56:44Host Reggie is back with a fiery roundtable, joined by Adrian Tan (LinkedIn’s “Top Noise” fractional CMO), Anthony Ong (TFC co-host and policy enthusiast), and Alex Lee (ex-regulator-turned-actuary). They dive into the hottest debate of GE2025: Is CPF fit for the future? Why listen? - Policy showdown : SDP’s radical plan to abolish CPF minimum sums…
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19. Choosing a New Path and Preserving Singapore's Food Heritage with Yeo Min
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46:12
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46:12In this episode of Before We Get There, host Nicholas Braman interviews Yeo Min, an author, pastry shop owner, and co-founder of the Museum of Food Singapore. Yeo Min shares her journey from studying social work to becoming passionate about Chinese pastries. She discusses the challenges of maintaining traditional food heritage while making it profi…
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HDB, Land Price, Grants, NOM, Expanded Rental Scheme. What's the plan? [TFC #GE2025 Specials 03 ft Alex Lee & Tan Ern Ser]
52:08
52:08
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52:08What if the keys to your future home hinge on policies being drafted right now? In this #GE2025 Specials episode, we dive into the high-stakes world of Singapore’s 2025 housing reforms—a topic sparking hope, skepticism, and endless kopitiam debates. Will these bold new plans unlock affordable living, or are we facing another decade of frustration? …
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MediShield Life + Medisave vs Single-payer Healthcare. What is the care plan for Singapore? [TFC #GE2025 02 ft Alex Lee & Tan Ern Ser]
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48:24Is Singapore’s healthcare system on the brink of a crisis? Why are premiums skyrocketing—and who’s really profiting? Tune in to this TFC GE2025 Special episode as host Reggie,and Adrian Tan, author of “No more bosses,” sits down with two sharp minds to dissect the burning issues in Singapore’s healthcare debate. Meet the Guests: 🔹 Alex Lee – Chief …
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GST, HDB, Jobs, Cost of Living! We read the manifestos so you don’t have to. [TFC #GE2025 Special 01]
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1:00:40We dive into the heart of the #GE2025 debate: manifestos. From cost of living to healthcare reforms, housing policies to GST controversies—what do the parties really propose? And how will it impact you? Our guests discussed: GST Wars: Is reducing GST the solution, or just political lip service? Reggie drops a hot take on why prices might *never* dr…
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TFC's Live Stream Trailer: Singapore’s 2025 General Election #ge2025
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3:42
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3:42Singapore’s 2025 General Election is heating up—and TFC is your front-row seat to the action. Starting today, join us LIVE every weekday from 5-7 PM until May 1st for unfiltered policy debates, insider insights, and candid conversations with candidates and experts. Tired of rehearsed backstories? We’re cutting through the noise to tackle the issues…
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Bosses Are Quietly Cutting Jobs—Here’s How to Be ‘Unfireable’ [W&S 119 ft Robert Walters & The Economist]
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45:41
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45:41Are you anxious about job security in today's rapidly changing work environment? Feeling lost in the restructuring shuffle? Or maybe you're a manager grappling with how to support your team through uncertain times? Join us in our latest discussion on ‘Manage Who’ for a candid and insightful discussion on navigating the complexities of career manage…
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Another Ex-MOF Director Enters Politics: What will change? [Chills 215 ft PAP Shawn Loh]
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54:34
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54:34Have you ever wonder what it take for someone to leave a comfortable, impactful career to step into the unpredictable world of politics? Meet Shawn Loh, a former Ministry of Finance Director, private sector leader, and dad of four kids under 12. He’s stepping into the political arena, but why now? Highlights: - From Civil Servant to Candidate: Why …
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Trump Tarrifs & Market Meltdown. Where are the Opportunities? [Chills 214 TINFA ft Vision Capital]
43:27
43:27
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43:27Reggie brings on two special guests to break down the market's reaction to Trump's proposed tariffs and what it means for investors. Join Eugene Ng, Vision Capital, and seasoned retail investor Anthony Ong as they dive into the chaos shaking the markets right now: - What Trump’s sweeping tariffs mean for YOUR portfolio… and why this isn’t just abou…
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18. Art, Advocacy, and Authenticity with Opera Tang
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47:56
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47:56In this episode of Before We Get There, host Nicholas Braman talks with Opera Tang, a drag artist and performer, about her transition from a tech sales career to full-time drag performing. Opera shares her inspiring journey, starting from her retrenchment to finding her artistic voice by reconnecting with her Chinese heritage. They discuss the bala…
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Reskilling a Berklee Jazz Musician to Coder life. A guided and paid career switch. [W&S 118 ft Temus, Soh Wen Ming]
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38:07Ever thought about switching careers but feared the unknown? We dive into the fascinating world of career transitions with an unlikely tech success story that might just inspire you to take the leap. Joining us are: - Muhammad Ridzuan Associate Director, HR, Temus - mastermind behind Temus Step It Up reskilling program - a highly competitive initia…
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Fight Inflation: Achieve Financial Security and Health Harmony [TFC 213 Budget Royale, Sponsored by Manulife]
44:03
44:03
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44:03Is your money working for you, or are you working too hard for it? Watch as our guests battle it out in TFC Budget Royale, sharing valuable financial insights that you can apply to your own life. Discover how protecting your financial future can also contribute to a healthier lifestyle. Cast your vote to crown the Budget King/ Queen for each topic—…
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Connect With 6,000+ Professional Mentors To Skyrocket Your Career [W&S 117 ft Alvin Tan]
43:21
43:21
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43:21How can a 15-minute chat change your career trajectory? What separates a life-changing mentor from a paid coach? And why should you care about finfluencer regulations? We sit with Alvin Tan, Minister of State, Ministry of Culture, Community and Youth & Ministry of Trade and Industry, and Board member of MAS, for an insightful discussion on the powe…
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Our Geoarbitrage Experience: How to Thrive in Singapore, Chiang Mai, KL [Chills 212 ft Shao, 9 to 5 Millionaire Mindset]
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44:38
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44:38What happens when you climb the corporate ladder, hit financial freedom… and then walk away from it all? Joining us is Shao, ex-Googler turned full-time YouTuber, who made headlines (and stirred the comments section) when he left Singapore and relocated to Chiang Mai. Was it burnout? Was it strategy? Or just a rebellious sabbatical? Tune in as we e…
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Keep Your Investments Steady: The Role of Blue Chip Stocks in Your 2025 Portfolio [Chills 211 ft Willie Keng, Chiun Ting Weber, Kelwin Li]
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41:12
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41:12Is the "safest bet" in investing actually... risky? What if your blue chips aren’t as stable as you think? Dive into the high-stakes world of blue chip stocks with three investing heavyweights: - Willie Keng, Founder of Dividend Titan - Chuin Ting Weber, CFP, CFA, CAIA, CEO & CIO, MoneyOwl - Kelwin Li, Principal Investment Specialist, Singapore Hum…
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The Legal Side of Moonlighting: Contracts, Management & Protecting Self [W&S 116 Manage Who ft Shazaf Moonis]
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44:35
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44:35Ever wondered if your boss would fire you for having a side hustle? Or how to pivot careers when you’re juggling family, finances, and fear? Join Shazaf Moonis, Psychologist, and CEO of Linkked as we dive into the unspoken rules of balancing ambition with survival and hear about: - The hidden risks (and rewards) of moonlighting in a strict corporat…
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What it takes to be a Board Member? Retirement? Here’s the ladder [Ft Su-Yen Wong, CDL, IMDA, NKF & Terence Quek, CEO SID]
44:36
44:36
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44:36Ever wondered what it really takes to sit on a company's board of directors? Is it the cushy retirement gig many imagine it to be, or something far more complex? Join experienced CEO, and board chair serving on multiple prestigious boards, to pull back the curtain on the world of directorship - Su-Yen Wong, Past Chair, Singapore Institute of Direct…
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MNC Salary Negotiation Strategies. Secrets from HR Remuneration team [W&S 115 ft Pay Edge & Nina Devouge]
38:18
38:18
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38:18Are you leaving money on the table when it comes to your compensation? We tackle a challenge many Asians struggle with: negotiating your salary! What you'll discover: - The psychology behind why negotiating feels so difficult - Strategic timing: when to ask for a raise (and when not to) - How to document your achievements to build a bulletproof cas…
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