You Never Know with Nicole Lee

Nicole Lee
  • 4.5 (2)
  • CAREERS

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.Thank you so much for being here. If this resonates with you, I’d love for you to like, comment, subscribe, and share it with someone who might need it today.With ❤️ from Singapore,Nicole

  1. MAY 5

    #41 — No Gold Behind Paper Gold | Christophe Numa

    Most people think they own gold. They don't. I discuss all things gold with Christophe Numa, Founder & CEO of Gauld — who spent over a decade building businesses around physical gold, from running a multi-million dollar trading platform backed by global hedge fund Millennium, to now making physical gold ownership accessible to everyone, anywhere in the world. Enjoy! TODAY'S GUEST 🌐 Learn about Gauld: www.gauld.com 🌐 LinkedIn: https://sg.linkedin.com/in/christophe-numa-69946927/en  CONNECT WITH ME 🌐 LinkedIn: www.linkedin.com/in/nicoleleethisisme 🌐 Instagram & TikTok: @nicoleleethisisme 🌐 Website: www.youneverknow.co ✉️ Partnership & Speaking Enquiries: nicole@youneverknow.co  TIMESTAMPS 00:00 Intro 02:44 Is Gold Really A Safe Haven? 04:40 Paper Gold vs Physical Gold: The Real Difference 11:06 What Gold ETFs Actually Invest In 15:44 How Physical Gold Actually Works 18:40 Gold Supply Chain: Mine to Vault 23:10 How Physical Gold Is Priced 25:20 How To Buy Physical Gold Today 26:13 How To Know If Your Gold Is Legitimate 32:30 Gold vs Real Estate 34:43 How To Generate Yield On Gold 35:25 Gold Price Outlook 39:40 Should Everyone Hold Gold? 40:15 Why Christophe Started Gauld 45:38 The Syria Story That Changed Everything 47:20 Is There Enough Gold For Everyone? 49:22 Gold vs Silver: Which to Hold First? 51:20 What Would Change His Mind About Gold 52:28 What "You Never Know" Means to Chris 💌 I'm Nicole Lee. I spent more than a decade in private banking, took a leap of faith into fintech, walked away without a job while navigating a defining life transition — and started the You Never Know Podcast to have real conversations that challenge the way we think, what we believe, and how we live. Today, I'm also a moderator, speaker, and podcast producer — partnering with visionary leaders and businesses to shape strategic narratives through authentic storytelling.

    54 min

  2. APR 1

    #40 — Best Cities In The World To Live & Work | Nirbhay Handa

    If you could live anywhere in the world, would you know where to go? I speak with Nirbhay Handa, global mobility entrepreneur & CEO of Multipolitan, about how cities are evolving, why global mobility is becoming more nuanced, and how Millennials and Gen Zs are shaping a more borderless way of living. We explore why cities are increasingly becoming “pseudo-states” where talent and capital concentrate, the three types of cities that will thrive — financial centres, nomad-friendly cities, and startup-friendly cities — and why “builder cities” like Singapore and Dubai are rising while legacy titans risk falling behind. We also dive into digital states, AI, sovereignty beyond geography, and what people often get wrong when choosing where to live. Chapter markers: 00:00 Introduction 02:10 Millennials & Gen Z: Redefining Success 04:18 What Wealth Means Today: Optionality, Frictionless Living, Well-Being 06:31 Decoupling Identity From Your Birth Certificate 08:44 Why Cities Are Becoming “Pseudo-States” 09:28 The 3 Types of Cities That Will Thrive 10:30 Builder Cities vs Legacy Titans 12:09 Why Singapore and Dubai Are Rising 17:15 How to Choose Where to Live Today 24:37 Alternative Residencies & Hedging Your Life 33:30 Digital States 37:00 One Underrated City to Watch 38:00 The Future of Global Mobility 39:12 What Most People Get Wrong About Choosing Where to Live 40:14 What “Home” Means in a Borderless World 💌 If you’re new to this channel, I’m Nicole Lee. I spent more than a decade in private banking, took a leap of faith into fintech, walked away without a job while navigating a defining life transition — and started the You Never Know Podcast to have real conversations that challenge the way we think, what we believe, and how we live. Today, through You Never Know Studios, I partner with leaders and organizations to shape strategic narratives through video content that authentically resonates. --- 🔗 Connect with Nirbhay Handa 🌐 Website: https://www.multipolitan.com/ 👤 LinkedIn: linkedin.com/in/nirbhay-handa-44949822 📲 Instagram: @handa.eth @multipolitan.app 🔗 Connect with Nicole Lee 🌐 Website: www.youneverknow.co 👤 LinkedIn: www.linkedin.com/in/nicoleleethisisme 📺 YouTube: www.youtube.com/@nicoleleethisisme 📲 Instagram / TikTok: @nicoleleethisisme

    42 min

  3. MAR 19

    #39 — Your Body Never Forgets: What Pain, Disease & Insomnia Are Telling You | Sufen Paphassarang: “It’s Never Just A Headache or Illness.”

    Your headaches, pain, and illness aren't random — they're your body telling you something. Sufen Paphassarang reveals how your body stores every suppressed emotion — knowing exactly where, what caused it, and how it manifests as pain, disease, or chronic conditions — to get your attention. We explore the three brains — head, heart, and gut — what your 3am insomnia is really telling you, what the left and right sides of your body reveal about your past and future, and how men and women store emotions differently, and where it shows up physically. Sufen is an advanced BodyTalk practitioner, instructor, and owner of The Body Talk Center in Singapore, and helps people decode the deeper intelligence stored in their bodies to heal and thrive. She began her journey after fully recovering from Graves' disease, an autoimmune condition many consider incurable. If you've ever pushed through pain, or wondered why your body keeps breaking down in ways that don't make sense — this episode is a must watch. Your body never forgets. And it never lies to you. It's time to start listening. Chapters: 00:00 — Introduction 02:50 — What Is BodyTalk?: It’s Never Just About The Headache 05:00 — The Three Brains: Head, Heart & Gut Explained 09:10 — What Your Insomnia Is Telling You About Your Decisions 14:00 — Why Food Intolerance & Poisoning May Not Be About Food 18:20 — Why We Forget We're Even In Pain 22:00 — How Sufen Reads & Communicates With The Body 26:00 — How Men & Women Store Emotions Differently 33:00 — Resentment, Anger & Disease 43:50 — Where Emotions Live In The Body & Why You Wake Up Stiff 51:00 — What Pain In The Left & Right Sides Of Your Body Reveal About You 56:40 — Why Anger Is Good For You 57:40 — The One Question That Could Change Everything 💌 If you’re new to this channel, I’m Nicole Lee. I spent more than a decade in private banking, took a leap of faith into fintech, walked away without a job while navigating a defining life transition — and started the You Never Know Podcast to have real conversations that challenge the way we think, what we believe, and how we live. Today, through You Never Know Studios, I partner with leaders and organizations to shape strategic narratives through video content that authentically resonates. --- 🔗 Connect with Sufen Paphassarang 🌐 Website: sufen paphassarang 👤 LinkedIn: https://www.linkedin.com/in/sufen-paphassarang-55b8061aa 📲 Instagram / TikTok: @sufen_bodytalk 🔗 Connect with Nicole Lee 🌐 Website: www.youneverknow.co 👤 LinkedIn: www.linkedin.com/in/nicoleleethisisme 📺 YouTube: www.youtube.com/@nicoleleethisisme 📲 Instagram / TikTok: @nicoleleethisisme

    1h 1m

  4. MAR 6

    #38 — Help! I’m Rich!: Why Rich People Can Still Feel Poor | Kees Stoute: “Many Tie Their Self-Worth To Their Net Worth.” “You’ll Never Have Enough If You Don’t Define Enough.”

    Why do some rich people still feel poor? When is enough money, enough? Kees Stoute, former CEO of EFG Bank for Hong Kong and Singapore, and author of the book Help! I’m Rich!, believes the biggest challenge of wealth isn’t financial. It’s psychological. In this episode of the You Never Know Podcast, we explore why some of the wealthiest people still struggle with the idea of “enough”, how self-worth is often tied to net worth, and why money can create pressures and problems most people never expect. Kees also shares his unconventional journey from accidental IT programmer to bank CEO — and why sometimes the best opportunities appear when you stop trying to control every step of the way. What does wealth mean to you? And what actually makes your life feel rich? If you're curious about the psychology of wealth and investing, this conversation is for you. Chapters: 00:00 — Introduction 02:00 — The Hidden Problems of Being Rich 03:28 — The Biggest Mistakes Rich People Make 06:15 — Why Money Attracts the Wrong Crowd 07:00 — How to Spot a Bad Banker 09:30 — What a Good Wealth Manager Actually Does 12:10 — Why the Best Bankers Challenge Clients 16:30 — Why Money Stops Making You Happy 18:45 — When Is Enough Money Enough? 21:00 — Are Private Banks Losing Relevance? 22:35 — The Best Kept Secret in Investing 25:00 — From IT Programmer to Bank CEO 31:00 — Why Losing Your Job Isn’t the End 34:00 — What Wealth Really Means 34:45 — What “You Never Know” Means to Kees 💌 If you’re new to this channel, I’m Nicole Lee. I spent 13 years in private banking, took a leap of faith into fintech, walked away without a job while navigating a major life transition — and started the You Never Know Podcast to have real conversations that challenge the way we think, what we believe, and how we live. Today, through You Never Know Studios, I partner with leaders and organizations to shape strategic, credible narratives through video content that authentically resonates. --- 🔗 Connect with Kees Stoute 👤 LinkedIn: linkedin.com/in/kees-stoute 📚 Buy Kees’ book, Help! I’m Rich!: https://www.wiley.com/en-us/Help%2C+I'm+Rich!%3A+Your+Compass+to+a+Value-Adding+Private+Banking+Experience-p-9781119020547 🔗 Connect with Nicole Lee 🌐 Website: www.youneverknow.co 👤 LinkedIn: www.linkedin.com/in/nicoleleethisisme 📺 YouTube: www.youtube.com/@nicoleleethisisme 📲 Instagram / TikTok: @nicoleleethisisme

    37 min

  5. FEB 12

    #37 — Investing Mistakes Most People Make | Sameer Deshpande: “I Used To Convert My Short-Term Trades Into Long-Term Investments.”

    Many investors say they want to “make a lot of money.” But that’s not a strategy. Sameer Deshpande, Head of Wealth Management for Asia Pacific at Emirates NBD, reveals the investing mistakes that most people don’t realise they’re making. From turning short-term trades into long-term investments, to chasing yield over total return, to holding on to losing positions out of hope — we unpack the psychology that quietly erodes performance. We also explore investor behaviour in Asia, the evolution of digital wealth platforms and offshore wealth management, and why adaptability — and going beyond your specialization — will define long-term success in modern finance. If you care about thinking more clearly about money, risk, and long-term financial decisions, this conversation will change the way you invest. Chapters: 00:00 Introduction 02:09 How to Anchor Investments to Clear Goals 04:16 Review Your Portfolio — But Not Every Day 05:48 Investing Mistake: Turning Trades into Investments 08:37 Investor Psychology in Asia: Yield, Loss Aversion & Concentration Risk 11:34 Yield vs Total Return: What Most Investors Get Wrong 13:44 The Truth About Digital Wealth Platforms 16:55 Will Human Advisors Become Obsolete? 18:04 What Is Offshore Wealth Management? 23:38 How to Choose the Right Financial Centre for Your Wealth 25:25 The Capability Wealth Managers Will Struggle to Build 27:11 Why Going Outside Your Comfort Zone Is Now a Necessity 29:52 What the Next Generation of Leaders Underestimate 32:09 The Most Underrated Leadership Skill: Adaptability 33:52 Why Skill Sets Matter More Than Titles 35:58 What “You Never Know” Means to Sameer 💌 If you’re new to this channel, I’m Nicole Lee. I spent 13 years in private banking, took a leap of faith into fintech, walked away without a job — and started the You Never Know Podcast to have real conversations that challenge the way we think, what we believe, and how we live. Today, through You Never Know Studios, I partner with leaders and organizations to shape strategic, credible narratives and video content that authentically resonate. --- 🔗 Connect with Sameer Deshpande 👤 LinkedIn: linkedin.com/in/sameersdesh 🔗 Connect with Nicole Lee 🌐 Website: www.youneverknow.co 👤 LinkedIn: www.linkedin.com/in/nicoleleethisisme 📺 YouTube: www.youtube.com/@nicoleleethisisme 📲 Instagram / TikTok: @nicoleleethisisme

    37 min

  6. JAN 28

    #36 — Former Hospital CEO: Future Of Healthcare is Hospital At Home | Dr. Timothy Low: “Most Western Drugs Have Side Effects.” “AI Cannot Hold Your Hands.”

    We trust hospitals with our lives — but what if the future of healthcare isn’t in hospitals at all? I sat down with Dr. Timothy Low, former CEO of Gleneagles Hospital and Farrer Park Hospital in Singapore, to explore what’s really changing in healthcare, and what most patients will never see. We talk about what goes on behind the scenes of running a hospital, why hospitals will get smaller, the differences between Western and Eastern medicine, alternative therapies like phototherapy, and how AI is reshaping the future of healthcare. If healthcare innovation, investing, and regenerative health spark your interest, I hope you enjoy this episode, and share it with someone who needs it today. Chapters: 00:00 – Introduction 03:10 – From GP to Hospital CEO 04:15 – What a Hospital CEO Actually Does 07:20  – What Patients Never See 09:10 – Why Hospitals Are Always Short of Nurses 13:50 – “Not Many Leaders Love Their Staff” 20:00 – The $1 Million Decision 23:50 – Why Healthcare Costs Keep Rising 26:25 – Can AI Replace Doctors? 30:45 – From Sick Care to Well Care 31:50 – What Is Phototherapy? 39:00 – How to Spot Real Healthcare Innovation 45:00 – Western vs Eastern Medicine 46:20 – Hospitals Will Get Smaller 50:10 – The One Thing Every Doctor Should Remember 50:50 – What “You Never Know” Means to Dr. Timothy 💌 If you’re new to this channel, I’m Nicole Lee. I spent 13 years in private banking, took a leap of faith into fintech, walked away without a job — and started the You Never Know Podcast to have real conversations that challenge the way we think, what we believe, and how we live. Today, through You Never Know Studios, I partner with leaders and organizations to shape strategic and credible narratives that authentically resonate — using video content to build trust, thought leadership, and connection. --- 🔗 Connect with Dr. Timothy Low 🌐 LinkedIn: https://www.linkedin.com/in/drtimothylow/ 📱Instagram: @askdrtimlow  📲TikTok: @askdrtim 📕Get his latest book, Patching Up Wellness:  https://forms.gle/7UXN8oQiqkFjfwRMA 🔗 Connect with Nicole Lee 🌐 Website: www.youneverknow.co 👤 LinkedIn: www.linkedin.com/in/nicoleleethisisme 📺 YouTube: www.youtube.com/@nicoleleethisisme 📲 Instagram / TikTok: @nicoleleethisisme

    52 min

  7. 12/29/2025

    #35 — Inside a 15-Year-Old’s Head: AI, School & Meaning of Life | Joshua Goh: "I Don’t Want a 9–5 I Don’t Enjoy." “I’m Scared About My Future.”

    What does the world feel like to a 15-year-old today? In this episode, host Nicole Lee speaks with Joshua Goh, a student from National Junior College in Singapore, about growing up in a time of rapid technological change, rising competition, and the pressure to figure out the future earlier than ever. They talk about AI, school, emotional intelligence, and career paths — and the deeper tension between wanting to enjoy being a kid and feeling the need to prepare for what lies ahead. This isn’t a conversation about having all the answers at 15. It’s a conversation about curiosity, self-awareness, and how the next generation is making sense of the world around them. Chapters: 00:00 Introduction 03:20 Networking as a kid & caught between worlds 05:10 Questioning life at 13 06:15 Life is like playing Minecraft 08:00 Balancing being a kid vs staying ahead 10:40 AI and a more competitive future 13:20 What school really means today 14:40 Does the education system prepare kids for the future? 17:20 Losing a carefree childhood 18:25 Emotional awareness at a young age 22:10 Understanding insecurities and healing 24:10 What success means to the next generation 28:30 One subject that should be added in school 30:10 What adults should know about kids today 👍 If you found this episode meaningful, like, subscribe, comment, and share it with someone who needs it today. 🔔 Follow Nicole Lee and the You Never Know Podcast, where we talk about life, career, finance, and health with visionary people who’ve taken the unconventional road and embraced the unknown. --- 🔗 Connect with Joshua Goh 🌐 LinkedIn: ⁠https://www.linkedin.com/in/joshua-goh-joon-kai/?originalSubdomain=sg⁠ 🔗 Connect with Nicole Lee 🌐 Website: www.youneverknow.co 👤 LinkedIn: www.linkedin.com/in/nicoleleethisisme 📺 YouTube: www.youtube.com/@nicoleleethisisme 📲 Instagram / TikTok: @nicoleleethisisme

    31 min

  8. 12/18/2025

    #34 — Sales Is Like Dating: Rejection, 38x Returns & Private Markets In Asia | Jahnavi Bhagwati: "Learn To Walk Away." "Find Ways To De-Risk."

    Sales is like dating. You read the signals. You invest the time. And sometimes, you get ghosted. In this episode of the You Never Know Podcast, host Nicole Lee sits down with Jahnavi Bhagwati, founder of Koka Capital, as she shares candid insights on sales and private markets in Asia from over a decade in finance and deal-making at Goldman Sachs, Nomura, and Bank of Singapore. From learning how to set boundaries as a young saleswoman, to why investors in Asia are increasingly drawn to private equity despite illiquidity and risk, this conversation unpacks the realities behind headline-grabbing returns, why AI continues to dominate attention in private markets, how investors can better discern quality investment opportunities, and what it really takes to build a business when income is uncertain and rejection is constant. If you’re interested in sales, finance, private markets, or entrepreneurship, this one’s for you. Chapters: 00:00 Introduction 02:35 From modelling & acting to banking 03:55 What being a woman in finance really means 05:50 Sales, boundaries & self-respect 11:35 Femininity, power & how to show up at work 13:30 Leaving banking & building Koka Capital 16:55 Entrepreneurship, runway & surviving the early years 20:55 Trust, relationships & how deals really work in Asia 23:30 Why checks move faster in Asia 25:40 Why investors in Asia are drawn to private markets 27:15 Illiquidity, exits & managing private equity risk 29:20 Do brand names matter more than fund performance? 31:20 How investors decide where to allocate 34:35 US vs Asia: where capital is flowing 36:30 AI investing: hype, momentum & discernment 39:40 Advice for entrepreneurs starting out 44:30 Rejection, ghosting & why sales is like dating 46:35 What modelling taught her about rejection 47:30 Motherhood, ambition & balance 🌐 Jahnavi Bhagwati is currently Founder of Koka Capital — a capital introducer and M&A advisor for private and listed investment opportunities. 👍 If you found this episode meaningful, like, subscribe, comment, and share it with someone who needs it today. 🔔 Follow Nicole Lee and the You Never Know Podcast, where we talk about life, career, finance, and health with visionary people who’ve taken the unconventional road and embraced the unknown. --- 🔗 Connect with Jahnavi Bhagwati 🌐 LinkedIn: https://sg.linkedin.com/in/jahnavi-bhagwati-a06112118  🔗 Connect with Nicole Lee 🌐 Website: www.youneverknow.co 👤 LinkedIn: www.linkedin.com/in/nicoleleethisisme 📺 YouTube: www.youtube.com/@nicoleleethisisme 📲 Instagram / TikTok: @nicoleleethisisme

    49 min
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Ratings & Reviews

4.5
out of 5
2 Ratings

About

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.Thank you so much for being here. If this resonates with you, I’d love for you to like, comment, subscribe, and share it with someone who might need it today.With ❤️ from Singapore,Nicole

Information

  • Creator
    Nicole Lee
  • Years Active
    2025 - 2026
  • Episodes
    41
  • Rating
    Clean
  • Copyright
    © 2026 You Never Know with Nicole Lee
  • Show Website
    You Never Know with Nicole Lee