BT Money Hacks

The Business Times
  • 3.8 (12)
  • INVESTING
  • TWICE MONTHLY

Every Monday, The Business Times breaks down useful personal financial tips with expert guests. Hosted by Howie Lim. Produced by BT Podcasts, The Business Times, SPH Media.

  1. How to reset your finances for the New Year

    6 HR AGO

    How to reset your finances for the New Year

    New year, clean slate. But does your money reset have to feel stressful?  In this episode of Money Hacks, Emily Liu explores a softer way to plan for the year ahead. Financial consultant Patrine Choo and Gen Z money author Lillian Zhang share how they reflect on the past year, manage emotional money habits, and turn big goals into small, doable steps.  From automating savings to letting go of guilt, this episode reminds us that progress compounds, and a reset can start quietly. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:50 How to review your 2025 finances 03:37 It’s ok to feel scared  06:42 How to stop overspending 08:57 Start with small steps 10:40 Know your monthly expenses --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Emily Liu (emilyliu@sph.com.sg) With Patrine Choo, financial consultant, Great Eastern and content creator, and Lillian Zhang, product marketing manager at Google and author, The New Money Rules: The Gen Z Guide to Personal Finance Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu & 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/btlenson See omnystudio.com/listener for privacy information.

    13 min
  2. Forget free money: 2026’s inflation-fighting playbook

    21/12/2025

    Forget free money: 2026’s inflation-fighting playbook

    This episode is your financial ‘crystal ball’! Did 2025 leave your portfolio feeling... something? As cash yields drop, find out where the real returns hide. Ditch nominal gains as Howie Lim gets the expert-led playbook for a more resilient 2026. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:45 2025 review 04:57 Private market warning 08:52 AI concentration risk 11:49 Policy-backed trends 12:50 Global diversification the key --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Charu Chanana, chief investment strategist, Saxo; Hugh Chung, chief investment officer, Endowus; and Jeremy Hall, head of international for Brookfield’s private wealth business, Brookfield Oaktree Wealth Solutions 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/btlenson See omnystudio.com/listener for privacy information.

    19 min
  3. Liquidity vs Legacy: Retirement planning for SME owners

    14/12/2025

    Liquidity vs Legacy: Retirement planning for SME owners

    Your business is your biggest asset—but is it your smartest retirement plan? SME owners often risk starving personal wealth by betting everything on a future sale. Howie Lim learns the essential strategies for valuing your business, achieving tax-smart profit extraction, and building a separate, resilient retirement portfolio from Grace Tay, associate director, finexis advisory. Stop risking your future for the business's growth. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:05 Methods to value an SME for sale 03:28 The business is the engine that fuels retirement 09:32 Four factors that make a business attractive to buyers 12:11 Common pitfalls for SME owners --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Grace Tay, associate director, finexis advisory Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim 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/btlenson See omnystudio.com/listener for privacy information.

    19 min
  4. The 'Anti' Advisor: Why Everything You Know About Saving is Wrong

    07/12/2025

    The 'Anti' Advisor: Why Everything You Know About Saving is Wrong

    Future-proof your finances? That's what your advisor wants you to believe. Chris Miles, the anti-financial advisor, rips up the rulebook on saving for the "long haul," the myth of "money making money," and why high-risk is just high nonsense. Howie Lim gets the real cheat code from him.  Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:42 The 'long haul' lie: why saving for retirement can fail 02:36 Creating wealth without capital 06:17 The Cashflow Index 10:16 High risk does not mean high return 14:39 The 'cheat code': Why financial advisors hate it --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Chris Miles, CEO, Money Ripples Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim  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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at : bt.sg/brpod BT Lens On: bt.sg/btlenson See omnystudio.com/listener for privacy information.

    20 min
  5. How to Master Risk and Find Value in Mid-Caps

    30/11/2025

    How to Master Risk and Find Value in Mid-Caps

    Forget the blue chips. Singapore’s iEdge Next 50 indices are outperforming the STI by significant margins, signalling a seismic shift in market focus. Are mid-caps the new sweet spot for growth, offering higher potential with less small-cap volatility? Experts dissect the fundamentals, risk management strategies, and macro indicators essential for navigating this exciting segment. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:55 Assessing mid-cap fundamentals 04:44 Impact of analyst coverage 07:27 Portfolio integration 13:06 Macro outlook - key economic indicators --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Chong Yik Ban, equity research analyst, Phillip Securities Research and Daphne Tan, head of business development, CMC Markets Singapore Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim  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 Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at : bt.sg/brpod BT Lens On: bt.sg/btlenson See omnystudio.com/listener for privacy information.

    16 min
  6. Why a wealth manager started a portfolio for his 6-month-old

    23/11/2025

    Why a wealth manager started a portfolio for his 6-month-old

    Feeling squeezed by school fees, ageing parents, and volatile markets? You’re not alone.  Howie Lim chats with OCBC’s Timothy Liew, a wealth-management pro and fellow parent, about investing wisely when life gets expensive. Timothy opens up about his disastrous first trade, how he builds his core-and-satellite portfolio, and why diversification beats get-rich-quick dreams every time.  Plus, Timothy has a surprising answer for what he thinks could outshine AI in the long run. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:23 Don’t take bad advice from friends 04:55 Timothy’s core and risk portfolio 07:54 Investing for his son’s future 11:40 Advice for surviving volatile markets 14:20 There’s no shortcut to wealth --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Timothy Liew, head of investments, wealth management, OCBC 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/btlenson See omnystudio.com/listener for privacy information.

    17 min
  7. Prudent planning, protected pockets

    16/11/2025

    Prudent planning, protected pockets

    If you’re worried about inflation eating into your savings, discover the art of "right-siting" your insurance. We're not just cutting premiums; we're freeing up capital for smarter investments. Learn how to identify over-insurance, maximise value, and even use tech tools to ensure your coverage fits your evolving life. Howie Lim speaks to Chan Wai Kit from Life Insurance Association (LIA) for help. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:12 Growing trend of "right-siting" amidst inflation 03:29 Maximising insurance value 09:55 Making money from your insurance portfolio 13:34 Tools to help --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Chan Wai Kit, executive director, Life Insurance Association (LIA) 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/btlenson See omnystudio.com/listener for privacy information.

    16 min
  8. Project You: How to fund your mini-retirement

    09/11/2025

    Project You: How to fund your mini-retirement

    Forget slogging until 65 before retiring or taking a break. Discover the rising trend of mini-retirements – a "Project You" career pause that's surprisingly achievable. Howie Lim gets experts to reveal how to plan, fund, and navigate these strategic breaks, turning your financial fears into a roadmap for investing in yourself. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:00 Three-bucket system for mini-retirement 04:54 Framing mini-retirement as an investment 08:28 Re-entry into the workforce and career changes 11:03 Building alternative income streams --- Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Howie Lim (howielim@sph.com.sg) With Ishan Sarkar, head of wealth & premier solutions, HSBC Singapore; Nick Tong, head of intermediary distribution, Southeast Asia, T. Rowe Price; and Jason Ang, senior wealth advisory lead, Syfe 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/btlenson See omnystudio.com/listener for privacy information.

    14 min
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Ratings & Reviews

3.8
out of 5
12 Ratings

About

Every Monday, The Business Times breaks down useful personal financial tips with expert guests. Hosted by Howie Lim. Produced by BT Podcasts, The Business Times, SPH Media.

Information

  • Creator
    The Business Times
  • Years Active
    2018 - 2026
  • Episodes
    251
  • Rating
    Clean
  • Copyright
    © 2026 The Business Times
  • Show Website
    BT Money Hacks

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