The Financial Coconut Podcast

Parenting doesn’t come with a guidebook… and neither does raising money-smart kids in today’s world.
We’re living in a time where money is invisible - cards, apps, QR codes, tap-to-pay… even watches and rings. So how do we teach children the real value of money when they barely see it?
In this episode, host Dawn Cher (Budget Babe) brings together three powerful voices to unpack a question every parent is quietly asking:
How do we raise financially confident kids without fear, pressure, or getting it wrong?

Hear from
Qi Zhai-McCartney - investment professional turned psychotherapist & coach, and mom of four - sharing how psychology, mindset, and decision-making shape lifelong money habits.
Don (Money Saving Daddy) - a dad who documented his parenting journey from day one, breaking down real-life, practical lessons on family budgeting, spending and values.
Tan Siew Lee - Head of Group Wealth Management, OCBC, with 20+ years of experience, revealing what parents today actually struggle with and how banks are rethinking financial literacy for kids.
Discover:
Why teaching kids “save, save, save” might backfire, and what to teach instead
The #1 parenting mistake when using money-tracking tools (and how to avoid it)
How to handle peer pressure when your child starts comparing brands, watches, and “who has more”
What “kids’ currency” really means and why stickers may teach money better than money
How to guide kids with boundaries without turning money conversations into nagging
Why financial safety today includes something parents didn’t worry about before: scams, digital risks, and online traps
Tune in for real stories, surprising insights, and practical takeaways without judgment and without fluff.

Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

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⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.

Tune in with Jake, the Founder of Ergotune, a brand that grew from humble beginnings to a game-changing company in the ergonomic furniture space.
Listen as Jake opens up about the trials and triumphs of building a business from scratch, with insights into his journey from coding bootcamps to creating ergonomic solutions like the standing desk and office chairs.
What you'll hear:
The founding story of Ergotune and its rapid rise from a small startup to a multi-million-dollar company.
How Jake and his co-founders made tough decisions, including selling the business for a life-changing exit.
The struggles of balancing innovation with market competition and how they identified opportunities in the ergonomic chair space.
Jake’s insights on moving from founder to investor, exploring new ventures, and betting on the next big trends.
Hear about Jake’s candid reflections on startup life, success, and the importance of knowing when to pivot.
Whether you’re a budding entrepreneur or just curious about the behind-the-scenes of a successful startup, this episode is a must-listen!

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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

📍 LISTEN & SUBSCRIBE
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🔗 CONNECT WITH US
Get daily tips, insights, and community:
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Discover our other shows and deep dives on YouTube

⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

📍 LISTEN & SUBSCRIBE
Spotify
Apple Podcast
YouTube

🔗 CONNECT WITH US
Get daily tips, insights, and community:
Instagram
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📺 MORE FROM OUR NETWORK
Discover our other shows and deep dives on YouTube

⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.

What if you’re doing everything “right” - climbing the ladder, hitting milestones, building stability, but deep down… success still doesn’t feel secure?
We dig into a growing mid-career reality: more professionals are quietly building skills outside their job; not because HR asked them to, but because they’re trying to protect their future.
Because in today’s world, even the most stable job can start feeling… temporary.
This episode’s guests:
Dawn - Author of Take Back Control of Your Money and host of Wise & Shine (but today, she’s in the hot seat sharing her personal journey)
Roy Teo - A comms & marketing professional of 18 years who made a bold pivot into real estate advisory (and hasn’t looked back since)
We unpack:
Why mid-career professionals are upskilling even when things seem “fine”
The moment “job security” starts feeling like an illusion
What corporate life teaches you… and what it never will
The uncomfortable truth about visibility, personal branding, and being seen
The mindset shift that makes skill-building possible (even when you’re exhausted)
This isn’t another “hustle harder” conversation.
It’s about optionality. It’s about resilience.
And it’s about building the kind of skills that no one can take away from you, no matter what the economy, tech, or workplace throws next.
Tune in and discover why the smartest professionals aren’t waiting until it’s too late.

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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

📍 LISTEN & SUBSCRIBE
Spotify
Apple Podcast
YouTube

🔗 CONNECT WITH US
Get daily tips, insights, and community:
Instagram
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📺 MORE FROM OUR NETWORK
Discover our other shows and deep dives on YouTube

⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.

Get ready to dive into the complexities of legacy planning and wealth transfer.
In this episode, we’ll explore:
How to overcome the taboos surrounding legacy planning and bring it up with your loved ones
Common missteps people make when passing on wealth and how to avoid them
The power of starting early with financial education for your kids
Planning for non-traditional families, including how to secure the future of your pets
Join our dynamic panel of experts who have first-hand experience navigating these waters:
Yip Hon Weng, Member of Parliament for Yio Chu Kang SMC, and father of five, shares insights on balancing family values and wealth transfer across generations.
Ian Yim, Head of Premier Private Client and Premier Banking Asia at OCBC, gives us the lowdown on financial tools that make legacy planning practical, even for families that aren't ultra-wealthy.
Hoon Shu Mei, Director of Private Client & Family Disputes at Drew & Napier, unpacks the legal intricacies of wills, trusts, and avoiding common pitfalls in family wealth planning.
Hosted by Adrian Tan, Fractional CMO & HR‑tech marketing strategist, author, and podcaster.
Whether you're looking to secure your family's future or simply understand the importance of planning ahead, this episode provides insights that will help you plan wisely, avoid pitfalls, and ensure a smooth transfer of wealth to the next generation.

Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

📍 LISTEN & SUBSCRIBE
Spotify
Apple Podcast
YouTube

🔗 CONNECT WITH US
Get daily tips, insights, and community:
Instagram
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📺 MORE FROM OUR NETWORK
Discover our other shows and deep dives on YouTube

⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.

What if the loyalty programs you think you understand… are actually built on completely different rules?
We sit with a man some in the industry call “the king of loyalty” - the CEO behind one of Singapore’s largest rewards ecosystems. With millions of members and over a million active users every month, he’s got a front-row seat to how consumers really spend, save, and stay loyal.
And let’s just say… a lot of what businesses believe about loyalty? Might be totally wrong.
Inside this episode, we unpack:
Why “buy 10 get 1 free” works for cafés… but can quietly kill other businesses
The concept of “borrowed loyalty” and how smaller brands can tap into bigger ecosystems to survive
Why points, cashback, and miles aren’t equal (and which one is actually losing relevance)
The hidden math behind loyalty programs that most SMEs never calculate
What really makes customers stick: emotional loyalty vs transactional value (and which one actually comes first)
How AI and data are quietly reshaping the future of rewards, personalisation, and customer retention
The surprising reason having MORE points can make customers less likely to leave
Whether you run a small business, work in marketing, or just love squeezing maximum value out of every dollar you spend, this episode will completely change how you see loyalty programs.
Because loyalty isn’t just about rewards anymore…
It’s about data, psychology, and who controls the relationship with the customer.
🎧 Tune in to hear how the game really works behind the scenes.
:

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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

📍 LISTEN & SUBSCRIBE
Spotify
Apple Podcast
YouTube

🔗 CONNECT WITH US
Get daily tips, insights, and community:
Instagram
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📺 MORE FROM OUR NETWORK
Discover our other shows and deep dives on YouTube

⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
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🎧 The Financial Coconut:
Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

📍 LISTEN & SUBSCRIBE
Spotify
Apple Podcast
YouTube

🔗 CONNECT WITH US
Get daily tips, insights, and community:
Instagram
TikTok
Telegram
Whatsapp
Newsletter

📺 MORE FROM OUR NETWORK
Discover our other shows and deep dives on YouTube

⚠️ Disclaimer:
The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.
Help us get to know you better: http://bit.ly/thefinancialcoconut-survey
Hosted on Acast. See acast.com/privacy for more information.