BT Money Hacks

You just got a raise. So why does your bank account still feel broke? It’s the lifestyle creep — the sneaky force turning your bigger paycheck into the same old savings. From $8 lattes to subscription traps to the psychology behind "keeping up with the Tans," find out why more income rarely equals more wealth, and what to actually do about it. Warning: may cause spontaneous budgeting. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:07 The pay-raise paradox 01:11 What lifestyle creep really means, psychologically 04:12 Three forces silently inflating your expenses 07:12 The one question to ask before spending your next paycheck 09:34 The Warren Buffett rule: why staying humble pays off 22:27 The three-week rule that curbs impulse spending --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Michelle Mah, founder and psychotherapist, The Curious Bonsai Therapy & Coaching and Wildon Goh, head of Southeast Asia and country head of Singapore. Fidelity International Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim, Nicole Teo & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

If you think your bank’s “diversified” portfolio is built for your future, think again. In this episode of Money Hacks, we pull back the curtain on the institutional world with Arki Finance founder David Ng. We’re dissecting the "product-first" myths, exposing why your “tick-box” diversification might be failing you, and revealing why your obsession with benchmarks is costing you real outcomes. Stop investing like a hedge fund—start investing for your life. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:22 Product-first vs. client-first: the industry's reversed process 05:05 Real diversification vs. "spray and pray" 09:54 Complexity vs. sophistication: finding the simplest real solution 13:20 Benchmarks lie: why your goals matter more than the index  --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With David Ng, founder of Arki Finance Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

We obsess over what to buy, but when it’s time to sell—or hold—we often freeze. Market volatility shouldn't trigger a panic-induced sell-off, yet emotion frequently overrides strategy. In this episode of Money Hacks, Howie Lim, Ritesh Ganeriwal, and Kenneth Chan dissect the crucial "portfolio check-in." Learn how to filter signal from noise, why "doing nothing" is a strategic superpower, and exactly when your original plan needs a tune-up. Stop guessing and start managing. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:00 Mastering the when as well as what 05:33 How to know when our portfolio needs a tune up 09:42 When doing nothing is ok 12:44 The sign your original plan needs an overhaul --- Send us your questions, thoughts, story ideas, and feedback to [email protected]. --- Written and hosted by: Howie Lim ([email protected]) With Ritesh Ganeriwal, head of investment advisory at Syfe and Kenneth Chan, associate financial planner at PhillipCapital Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Money Hacks podcasts every Monday: Channel: bt.sg/btmoneyhacks Amazon: bt.sg/mham Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  YouTube Music: bt.sg/mhyt Website: bt.sg/moneyhacks Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Correspondents: bt.sg/btcobt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.