Nicole Lee
You Never Know with Nicole Lee
You never know where one choice might take you. One story that could change your life. One conversation that shifts everything you thought you knew. I’m Nicole — host of You Never Know, a podcast with real conversations about life, career, finance, and health, featuring visionary people who’ve taken the unconventional road and embraced the unknowns. After 13 years at a top private bank and a transformational leap into fintech and entrepreneurship, I created You Never Know to inspire people to discover the different truths in life — and the infinite pathways that emerge when we look within. Tha...
Where to listen?
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Episodes
#19 — Life Isn’t Just A Movie. It’s Your Cinema. Rewrite Your Story. | Nicole Lee: “Your Vibe Attracts Your Tribe!” “Your Past Doesn’t Define What’s Next.” 18.05.2025 10:24
Have you ever felt like your life was a movie? One minute, you’re in a romantic comedy. The next, a drama with a plot twist no one saw coming. But what if life isn’t just a movie? What if it’s a whole cinema? You get to choose which movie to be in. Write it. Rewrite it. I know—it sounds crazy. But what if it’s real? What if you’re more powerful than you think? 🚀 Follow me for real conve...
#18 — You Shouldn’t Need A Bank To Buy A Bond: Blockchain, Tokenisation & Banking | Aaron Gwak: “We Don’t Need More Middlemen!” “Finance Should Be A Birthright — Not A Privilege.” 11.05.2025 50:34
You shouldn’t need a bank — or 4x your country’s GDP per capita — just to buy a government bond. But in many parts of the world, that’s still the reality. And for Aaron Gwak, it was a problem worth solving. Born in Korea, raised in Ghana, and shaped by two decades in investment banking, Aaron spent years helping governments and financial institutions raise capital through bonds. From UBS to Stan...
#17 — What Men Don’t Talk About: Failure, Sales & The Darker Sides Of Entrepreneurship | Neil Patwardhan: “Vulnerability Is The Hidden Sales Superpower!” “It’s OK To Be Not OK!” “Men Need To Have Open Conversations!” 04.05.2025 1:00:04
Men don’t talk enough about the failure, burnout, or mental toll of running a business or leading in the workplace — but perhaps they should. In this episode of You Never Know, Neil Patwardhan shares what it’s really like behind the scenes — from working in the corporate world at Dell and Accenture to becoming an “accidental founder,” and learning the sometimes-dark lessons of entrepreneurship....
#16 — Knowledge Isn’t Your Biggest Asset. Your Brand Is! | Rae Fung: “People Want Your Story & Perspective!” “Owning Your Voice Is Like Going To The Gym. Put In the Reps!” 27.04.2025 56:30
Your voice is your personal brand. And your brand is your biggest asset. Not your knowledge. Not your picture-perfect image. Not even your business card. In this episode of You Never Know, I sit down with Own Your Voice coach, speaker, and emcee, Rae Fung for a real conversation about what it means to find — and own — your voice. From starting out as an emcee at 15, to navigating the raw hunge...
#15 — Award-Winning Marketer: Why Purpose Leads To Real Success | Anser Aly: “Marketing Is The New Finance!” “A Good Leader Listens!” “Purpose Is Why You Get Out Of Bed!” 20.04.2025 53:59
What if winning awards doesn’t mean you’ve truly succeeded? What if purpose matters more than, and can even lead to, success? In this episode I speak with Anser Aly, an award-winning "accidental marketer" who spent nearly two decades at Unilever leading campaigns at global brands — including three Cannes Lions wins. But despite all the accolades, something was missing. And that somet...
#14 — Do This For Better Teeth & Sleep!: From Teacher To CEO | Louisa Lee: “I Can Be Anything I Want To Be!” “I Was Struggling As A Teacher!” “More In Business Doesn’t Mean Better.” 13.04.2025 55:24
From teacher to CEO of a dental practice and health & wellness group, DP Healthverse, Louisa Lee’s career journey is anything but ordinary. In this episode of You Never Know, Louisa opens up about the internal struggles many don’t see behind the teaching profession, why she left it to build a business with her husband, how she grew it without being a dentist herself, and the surprising truth...
#13 — Speaking Out At 21: What This Content Creator Learned The Hard Way | Jeraldine Phneah: “I Stress Every Time I Post!” “I've Learned To Be Accountable & Not To Run!” “Everyone Has Something Valuable.” 06.04.2025 44:44
At just 21, Jeraldine Phneah started speaking out online about things that mattered to her and her millennial generation — even when many of her peers didn’t. In this episode of You Never Know , she opens up about why social issues have always interested her, the emotional cost and personal growth of speaking out, and her experiences from investing to dating in her 30s. For anyone who’s ever str...
#12 — Want To Thrive In Banking & Finance? Learn This! | Paul Hodes: "Raise Both Hands!" "Be Your Own Career Counsellor." "Use Your Network!" "AI Is A Game-Changer." 30.03.2025 58:31
If you want to thrive in banking and finance, this episode is for you. Finance veteran, Paul Hodes, shares about the key moves that shaped his long-standing career, including experiences at Fidelity, more than 25 years at senior positions in Citi, and his transition to fintech at Privé Technologies, where he is now CEO. We dive deep into what really makes a difference in your career — how networ...
#11 – Starting A Business At 19: Why You Are Your Biggest Enemy | Amanda Cua: “I Thought Being Young Was A Disadvantage!” “There Is No Best Path In Business!” “I Found The 3rd Door!” 23.03.2025 1:00:15
Most people wait until they’re fully ready to start a business. 23-year-old Amanda Cua didn’t. At 19, she skipped university and launched Backscoop, a media startup covering Southeast Asia’s startup scene. No degree, little experience—just an idea, a problem to solve, and the determination to make it work. Now, at 23, she’s a Forbes 30 Under 30 Asia entrepreneur. But her biggest challenge? Man...
#10 – Money Blocks That Keep You From Getting Wealthy: The Journey From Abuse To Abundance | Crystal Chow: “I Needed An Exit Plan.” “Rewrite Your Money Narratives!” 16.03.2025 55:47
Let’s face it. We all want and need money, but most of us don’t like to talk about it. I speak with Crystal Chow, a Money Consciousness Coach, as we dive into her transformative journey—from abuse to abundance, banking to crypto, and starting her own business. We go deep into how scarcity beliefs and self-doubt block wealth, the powerful role of self-worth in shaping our financial reality, and h...
#9 — From Woman To Mom, Bank To Startup: Letting Go Of Being Perfect | Nicole Lee: “I Thought I Could Control Everything!” “It’s So Hard To be A Super Mom!” “It’s OK To Make Mistakes.” 09.03.2025 48:53
Have you ever felt like you needed to be "perfect" to be enough? I have. For years, I thought I had to be in control. I thought I could. I planned everything. I strived to meet every expectation. I anticipated people's needs. In this special edition of You Never Know , the mic gets turned on me! Guest host Daria Huck leads a deep and honest conversation about my journey as a woman...
#8 — The Hard Truth About Startups & The Magic Of Sales | Ned Phillips: “Closing My Startup Was Super Hard.” “Most People Don’t Know How To Sell!” “You Sell By Not Selling!” 02.03.2025 1:00:20
Everyone talks about their wins, but not many talk about their failures. Ned Phillips spent 8 years building Bambu, a prominent robo-advisory fintech firm based in Singapore. Then one day, he had to face the brutal truth – they ran out of money. And it was over. Shutting it down wasn’t just a business decision. It was an emotional toll, a hit to his identity, and a reckoning with what it really...
#7 – How Cancer Broke This Lawyer Open & Gave Him Back His Life | Will Finn: “Stop Caring About What Other People Think!” “Being Lost Is A Necessary Part of Life!” 23.02.2025 53:20
Sometimes, the hardest moments in life are the ones that bring us back to who we truly are. For Will Finn, that moment came when he was diagnosed with cancer. It wasn’t just a health battle — it was a wake-up call. A moment that forced him to step back and ask: Am I living in alignment with who I truly am? Or am I just following a path that was expected of me? For years, he was a lawyer at...
#6 – Can Astrology Really Predict Your Future? | Nivas: “Leaving My Job & Starting My Business Was The Biggest Decision In My Life!” “Be Bold & Authentic & Things Will Manifest Automatically!” 16.02.2025 59:00
Like many of you, I never believed in astrology. I thought it was just something fun for magazine editors to write about, or for us girls to get to know each other a little quicker. I thought it can’t be real. But what if our stars and planets in the universe are telling us part of our story? WHAT IF they could guide us on our some of our biggest decisions in our lives? A little more than a...
#5 — How To Reinvent Your Career At Any Age | Frank Koo: “Your Job Is NOT Your Identity!” “I Chose Freedom & Purpose Over A Higher Paycheck” 09.02.2025 59:12
Would you take a pay cut to do something you love? Frank Koo reveals that’s what he did. And he never looked backed since. Many of us were raised to believe that Success = Earning more money + More social status. But what if true fulfilment comes from something bigger than yourself? Something bigger than material pursuits? In Episode 5 of You Never Know , I speak with Frank Koo , who has navigated...
#4 — Gen Z’s Big Dilemmas: Chasing Likes vs Chasing Purpose | Glen Chan: “Not All Gen Zs Are Strawberries!” “FOMO Is Real!” 02.02.2025 36:09
“Gen Zs are strawberries -- they bruise easily and don’t want to work hard.” That’s what the media and many others have to say about the generation who’s now in their late teens to mid-20s. But honestly, that’s completely opposite to my experience with these bright, young sparks of light whom I’ve had the chance to work and interact with. They dare to think different and believe different. A...
#3 — From Nightclub Bouncer To Senior Executive & Facing Retirement | Keith Power: “Most Men Live On The Surface!” “Bouncing Taught Me Most About Sales & People.” 26.01.2025 59:21
So many of us, including myself, have unconsciously let life happen to us. And so often, perhaps because of how we grew up or what we’ve been through, we get so used to going with someone else’s flow that we don’t even realize what it actually does to our happiness, our fulfilment, our health, and our true desires. In this episode, I speak with Keith Power, an executive coach and soon-to-be ho...
#2 — 5 Big Lessons I'm Taking Into 2025 For A More Conscious & Abundant Life 19.01.2025 14:46
It's amazing how life can change so much in a year, a month, or even a day. The only power we have is in the now, not in the past or the future. But we MUST learn from our past and our experiences to help us move forward with clarity, to know ourselves better, and to learn to align our actions more closely with our truer selves. Before we leave 2024 completely behind, here are 5 BIG LESSO...
#1 — Why I Left A Top Bank For A Startup & How It Changed My Life | My First Solo Podcast 12.01.2025 18:47
It feels so unreal filming and launching the first solo episode of my new podcast, You Never Know with Nicole Lee. It started with an idea. A dream. A vision of a part of me I’m meant to be amid the depths of my reflection more than a year ago. A calling for me to share my truth, and those of others, with you and with the world. To talk about things we don’t normally talk about, especially her...
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