Chills with TFC

The year’s ending… but we’re going out with a BANG This isn’t just another episode; it’s the most chaotic, entertaining, and downright useful Budget Royale we’ve ever recorded. Three guests. Three festive categories. Zero chill. Expect: 🎄 The sneakiest Orchard Road shopping hacks that might start a domestic debate ✈️ Last-minute travel moves that sound illegal (but aren’t) 💰 And the surprisingly...

From buying bite-sized global stocks in Singapore dollars to navigating FX risks, SGX breaks it all down for us. Meet Bernice Tan, VP of SGX, who gives us an insider’s look at how SDRs simplify overseas investing for local investors. Highlight: What exactly is an SDR? Think of it like a "mirror" to overseas stocks, offering you exposure to big names like Alibaba and SMIC, but with a local twist. W...

What would make someone walk away from a stable army career and a five-figure monthly paycheck… all at just 31 years old? Meet Mun Yuan of SunnySideSingapore, a former army regular who stunned everyone by leaving the force with a $1 million portfolio and a completely new life plan. But why would someone leave a stable career with all the perks and benefits? And how on earth did he achieve financia...

Tackle some of the toughest challenges faced by caregivers and those planning for an uncertain future. From navigating the emotional weight of caring for loved ones, to the complexities of healthcare systems and managing financial stability, this discussion goes beyond the surface. Guests in the Spotlight: Dr Chong Poh Heng, MD, HCA Hospice ─ a leading figure in palliative care, brings a wealth of...

Meet Nawin Singh, Founder of All That Racket— a digital marketing pro who achieved FIRE on his own terms. No secret sauce, just strategic moves, some early stock wins, and a passion for tennis rackets. In this episode, Nawin shares: - How he turned Facebook RSUs into financial freedom. - His journey from digital marketing in the '90s to retiring early and living life on his own terms. - The surpri...

Are you paying for sophistication… or just complexity? Structured products. ILPs. The industry calls them “innovative.” Some call them “expensive packaging.” In this week’s episode ft. Tim Phillips from TimTalksMoney , we dive into how these products really work — what value they can offer, and where investors often get misled. From fees that compound quietly, to the psychology behind why people s...

What if the national insurance scheme you’re paying into isn’t enough to cover your long-term care? Is it time to rethink your strategy? Here’s what you can expect: - Exclusive Insight from Alex Lee, Chief Actuary, a key figure in the insurance and finance world, as he walks us through the updates and changes to the Cash Life scheme. - The difference between ElderShield and Cash Life – and why the...

What would you do if your 12-year-old started making his own money — and then told you how he wants to invest it? That’s exactly what happened in this week’s episode. Host Reggie sits down with Alex Lee, better known as Familee Dad, and his son Daken from Familee.sg — one of Singapore’s most popular family creator. They open up about: Turning family content into a full-fledged business. How parent...

What if your journey to financial freedom started in a small Malaysian town and ended in one of the world’s priciest cities? Reggie sits with Boon Tee — a finance professional who quietly built his wealth, moved countries, and hit FIRE by betting big on tech stocks. In this episode: - How he went from earning in ringgit to investing in USD. - The mindset shifts that helped him build conviction — a...

Ever wondered how life stacks up for working professionals in the UK versus Singapore? From student loans and taxes to housing, healthcare, and retirement — we’re breaking down what financial life really looks like on both sides. Joining us is Ali Zafar, Founder of LifeSmart Financial Literacy, who flew in from the UK to study how Singaporeans handle money. Unpack: - What everyday financial life f...

What does retirement really look like? For many, it’s slowing down. But for today’s guest, life only started getting more vibrant after she retired. 👉 From leaving a high-pressure corporate career in her 40s... 👉 To experimenting with side hustles and running her own café... 👉 To becoming a senior model and launching a fashion movement with a cause... She’s proving that retirement doesn’t mean...

SSB rates are down. T-bills are down. Your cash is losing its mojo. So, what’s the next move? Everyone’s asking the same question: “Where can I park my cash to get a better yield, without taking on huge risk?” Join us as we crack the code on a smarter alternative. We’re talking about a fund designed for one job: to consistently beat cash. Learn about: - The exact trade-off: How much more risk for...

What would you do if you walked away from a six-figure corporate job in your 20s to completely reimagine your life? We sit with Asher Chua , a former workaholic who traded quotas and endless sales calls for something entirely different. He’s experimented with side hustles, built his own consultancy, and even made some bold life decisions while juggling a wedding and buying a home. Here’s a taste o...

Ever thought investing in small-cap stocks was just too risky? What if the biggest myths about them are hiding the biggest opportunities? We sit down with James Yeo, Investor and Trainer, Investkaki.com shares how he went from a five-figure wipeout to building a mid six-figure portfolio What you’ll hear: - The painful mistake that shaped his investing framework. - How he pivoted from trading...

What if you could retire… in your 30s? Not at the end of your life, but right now? What would you do with that time, and who would you become? Meet Ho Ming Xia, a former chronic workaholic from the high-stakes world of global entrepreneurship, now taking a bold leap into living life on her own terms. Sneak peek: - Why Xia decided to take a "retirement year" at the peak of her career. - How she sim...

Does the FIRE movement unlock freedom—or just another grind? Christopher Ng, Founder, Tree of Prosperity, and one of Singapore’s earliest FIRE adopters, joins us to share: - Why the original FIRE ideas differ from how millennials and Gen Z are practicing it today - The surprising mindset needed to actually enjoy FIRE - The hidden trade-offs of lifestyle compression - How dividends (yes, just one p...

What happens when you slash your spending to just a few hundred dollars a month, quit your stable job, and throw yourself into extreme budgeting and risky ventures? Meet Xuan Kai — physiotherapist by day, YouTuber by night — who once slashed his spending to just $100 a month and quit his job with no backup plan. Hear: - What extreme budgeting really costs you - How risky trades and burnout reshape...

What does it really feel like to be an Indonesian professional building a life in Singapore? We sat with Mickey Salim – a Jakarta-born, Hong Kong-raised marketing tech pro who’s now making her mark in Singapore. From landing a rare internal transfer without a job lined up… to navigating the messy, months-long process of relocating across Asia… Mickey spills the real tea on what it takes to make th...

Ready to navigate the explosive world of franchising in 2025? We sit with three industry powerhouses who’ve lived and breathed franchising from every angle: Ms Hsien Naidu, CEO, Astreem Consulting Pte Ltd - 20-year franchise guru who’s scaled award-winning brands across Asia Mr Gan Shee Wen, President, Franchising and Licensing Association (Singapore), Vice President, Group Sales and Marketing, Ko...

What if everything you’ve been told about success in Singapore is… optional? We sat with one of Singapore’s most talked-about new voices in personal finance and intentional living: 🐢 ContraTurtle Who is ContraTurtle? He’s not a trader. He’s not into get-rich-quick schemes. And no, that turtle mask he shows up in isn’t a gimmick – it’s a philosophy. Inspired by Charlie Munger and powered by AI (ye...

CPF suffers from a universal problem: Complexity . People either ignore it, misunderstand it, or build their 'financial house' on shaky ground.. Get a peek behind the curtain from someone who not only helped design the CPF system but also manages his own daily finances (and CPF money) within it. Our guest is former Deputy CEO of CPF – Mr. Chin Heng Soh , who will share more on: - Why CPF is both a...

What does it really take to walk away from a six-figure corporate career… at the peak of your professional game? Today’s guest did just that. He’s a digital marketing veteran turned financial rebel, founder of the Retire by 50 Platform… and he’s got a secret backup plan involving Cambodia. We dive into: 🔸 The real reason he left — it wasn’t just burnout. 🔸 How he structured his finances, insuran...

From SG Budget Babe to Finance Mummy; Discover how Dawn evolved from extreme frugality to a smarter, life-centric approach to money—balancing career, family, and financial independence. Learn how she went from saving $20,000 on a $2K paycheck to building a million-dollar portfolio, an Amazon bestselling author of ‘Take Back Control of Your Money.’ And why does she say the system is designed to kee...

Interest 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 — and how you can get involved with as little as...

What 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-You Money" Mindset:  How living below his mean...