Figuring It Out

Figuring It Out
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Figuring It Out isn’t just a podcast—it’s a community for growth, self-discovery, and learning. We’re here to help you make smarter decisions, avoid common mistakes, and step into adulthood feeling prepared (or at least less lost). Because at the end of the day, we’re all just figuring it out.

  1. 26.11.2025

    Buying Your First Car on a Fresh Grad Salary? Here’s How.

    So… you’re a fresh grad dreaming of owning your first car? 😭Trust me, I’ve been there. I used to think it was easy just pick one, get a loan, and boom, you’re cruising. But nooo… turns out it’s basically a full-on financial jungle out there. 💸Between car loans, maintenance, insurance, and fuel, it’s a whole adulting math problem nobody really prepares you for.In this episode, I’m breaking down everything you need to know before buying your first car how to know if you actually need one, how much you can really afford, and what options make sense when your bank balance still cries at the end of every month 🥲And if you’ve ever thought, “EVs are only for rich people,” surprise… NOW YOU CAN afford one too 👀The new Proton eMas 5 is actually super beginner-friendly, especially for fresh grads. It’s cute, practical, and electric (so you’ll be saving on petrol and helping the planet 🌱).✨ Wanna know more about the Proton eMas 5? ✨ Check out the exclusive promotions Proton has for eMas 5 buyers 👉https://finlit.my/emas5So before you start signing your life away on a car loan… maybe watch this first. Your wallet will thank you later 😉----------------------------------------------------------------------------------------------------------------------------------------------------------------Hosted by Melody, this podcast discusses anything and everything related to adulthood —the highs, lows, messy parts, and fun parts. Ultimately, it is a place for Gen Zers to learn, grow, and make fewer mistakes as they navigate adulthood 🥰! Don't forget to tune into Figuring It Out's and remember that at the end of the day, we're all just figuring it out 🫶!Follow my accounts and FIO’s accounts on:Melody’s Instagram: / sippin.lemonade LinkedIn: / melodychang03 Reddit: / figuringitout_fio Instagram: / figuringit_out.podtiktok: Apple Podcast: https://podcasts.apple.com/us/podcast...Spotify: https://open.spotify.com/show/2WKPQqU...Music Credits:Becomfy / @becomfymusic

    44 мин.
  2. What I Wish I Knew Before Moving Out (So You Don’t Suffer Like Me) • Figuring It Out Ep21

    22.10.2025

    What I Wish I Knew Before Moving Out (So You Don’t Suffer Like Me) • Figuring It Out Ep21

    So... I Finally Moved Out For The First Time 🥹 Okay, no one told me how chaotic moving out actually is. My drainage stopped working, the lights decided to give up on me, and don’t even get me started on the WiFi — it was basically a decorative item at that point 😭 Looking back, there were so many things I wish someone had told me before I signed that rental agreement. So I figured... if I had to go through it the hard way, at least I can help you avoid the same mistakes 🫶 In this episode, I’m sharing all the DOs and DON'Ts of moving out for the very first time — from red flags to look out for, to little tips that’ll make your space actually feel like home. 💖 If you’re thinking about moving out soon (or just daydreaming about it), this one’s for you ✨ --------------------------------------------------------------------------------------------------------------------------- Hosted by Melody, this podcast discusses anything and everything related to adulthood —the highs, lows, messy parts, and fun parts. Ultimately, it is a place for Gen Zers to learn, grow, and make fewer mistakes as they navigate adulthood 🥰!  Don't forget to tune into Figuring It Out's and remember that at the end of the day, we're all just figuring it out 🫶! Follow my accounts and FIO’s accounts on: Melody’s Instagram:   / sippin.lemonade   LinkedIn:  / melodychang03   Reddit:   / figuringitout_fio   Instagram:   / figuringit_out.podtiktok:   Apple Podcast: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/2WKPQqU... Special thanks to:  🛋️ Furnitures by MAJUHOME Concept: https://finlit.my/majuhome 🪵 Acoustic Wall Panel by Sleek: https://tinyurl.com/sleekpanel 🎨 Design by Atap: https://finlit.my/atapco Music Credits: Becomfy  / @becomfymusic

    35 мин.
  3. DM’d a CEO on LinkedIn… And Accidentally Got a Job | QnA with Melody! • Figuring It Out Ep20

    23.09.2025

    DM’d a CEO on LinkedIn… And Accidentally Got a Job | QnA with Melody! • Figuring It Out Ep20

    So I finally did a little QnA so you guys can actually get to know me better 💕✨ And guess what? Even though I said NO math... y’all still threw me like a million math questions 😭😂 But hey, I still answered them (don’t say I never love you okay). Hopefully this episode helps you get to know me a lil better—if not, tell me what else you’re dying to know and maybe I’ll spill more in part 2 👀💌 --------------------------------------------------------------------------------------------------------------------------- Hosted by Melody, this podcast discusses anything and everything related to adulthood —the highs, lows, messy parts, and fun parts. Ultimately, it is a place for Gen Zers to learn, grow, and make fewer mistakes as they navigate adulthood 🥰!  Don't forget to tune into Figuring It Out's and remember that at the end of the day, we're all just figuring it out 🫶!

Follow my accounts and FIO’s accounts on:
Melody’s Instagram: https://www.instagram.com/sippin.lemonade/
LinkedIn:
https://www.linkedin.com/in/melodychang03/Reddit: https://www.reddit.com/r/FiguringItOut_FIO/ Instagram: https://www.instagram.com/figuringit_out.pod
TikTok: Apple Podcast: https://podcasts.apple.com/us/podcast/figuring-it-out/id1799922466 Spotify: https://open.spotify.com/show/2WKPQqUe15hCR2LZpD5t75?si=441bbb9a9b074976

Special thanks to:  🛋️ Furnitures by MAJUHOME Concept: https://finlit.my/majuhome 🪵 Acoustic Wall Panel by Sleek: https://tinyurl.com/sleekpanel 🎨 Design by Atap: https://finlit.my/atapcoMusic Credits:Becomfy  / @becomfymusic

    14 мин.
  4. Would You Date You? What Makes Someone a Good Partner • ft Graeme Tan Jie, MrMoney & Nicole Lau

    28.08.2025

    Would You Date You? What Makes Someone a Good Partner • ft Graeme Tan Jie, MrMoney & Nicole Lau

    💔 Have you ever poured your heart into a relationship… only for it not to work out? Sometimes, love isn’t enough — and that’s okay.In this episode of Figuring It Out, I sat down with MrMoney, Instagraeme, and Nicole Lau to talk about the realities of modern relationships. From why dating without intention almost always fails to how Instagram can actually be the new Tinder (but better 👀), we break down what it really takes to find love today.One thing I learned? Being in a relationship isn’t just about feelings — it’s a daily decision to choose the same person, again and again. And sometimes, even if you give your all, it still doesn’t work out… and that’s not the end of your story.If you’re figuring out love, heartbreak, or what you actually want in a partner, this episode is for you. ❤️---------------------------------------------------------------------------------------------------------------------------Hosted by Melody, this podcast discusses anything and everything related to adulthood —the highs, lows, messy parts, and fun parts. Ultimately, it is a place for Gen Zers to learn, grow, and make fewer mistakes as they navigate adulthood 🥰! Don't forget to tune into Figuring It Out's and remember that at the end of the day, we're all just figuring it out 🫶!Don't forget to follow our guests on!Graeme's Instagram: https://www.instagram.com/instagraeme_tj/?hl=enPeter's Instagram: https://www.instagram.com/peter.yong_mrmoney/?hl=enMrMoney's Instagram: https://www.instagram.com/mrmoneytv/Follow my accounts and FIO’s accounts on:Melody’s Instagram: https://www.instagram.com/sippin.lemonade/LinkedIn:https://www.linkedin.com/in/melodychang03/Reddit: https://www.reddit.com/r/FiguringItOut_FIO/Instagram: https://www.instagram.com/figuringit_out.podTikTok: https://www.tiktok.com/@figuringitout.podApple Podcast: https://podcasts.apple.com/us/podcast/figuring-it-out/id1799922466Spotify: https://open.spotify.com/show/2WKPQqUe15hCR2LZpD5t75?si=441bbb9a9b074976Special thanks to: 🛋️ Furnitures by MAJUHOME Concept: https://finlit.my/majuhome🪵 Acoustic Wall Panel by Sleek: https://tinyurl.com/sleekpanel🎨 Design by Atap: https://finlit.my/atapco

    1 ч. 13 мин.
  5. What Recruiters Really Think Of You: A Guide To Ace Job Interviews ft. Aunty HR • FIO Ep18

    14.08.2025

    What Recruiters Really Think Of You: A Guide To Ace Job Interviews ft. Aunty HR • FIO Ep18

    So…I Used to Completely Freeze During Job Interviews 🥲Whether it was my first internship or a my current role, interviews always made me nervous. My hands would get clammy, my mind would go blank, and I’d overthink every single word 😣. No matter how much I prepared, I could never speak with a clear head when meeting someone new.That’s why I sat down with the queen of HR & recruiting herself — Aunty HR 👑. She shared everything you need to know to master job interviews, whether you’re a beginner just entering the workforce or a seasoned employee looking to move up. And there was one trick she taught me that completely changed the way I handle interviews. Tune in to this episode of Figuring It Out to learn how to walk into any interview and leave a lasting impression ✨---------------------------------------------------------------------------------------------------------------------------Hosted by Melody, this podcast discusses anything and everything related to adulthood —the highs, lows, messy parts, and fun parts. Ultimately, it is a place for Gen Zers to learn, grow, and make fewer mistakes as they navigate adulthood 🥰! Don't forget to tune into Figuring It Out's and remember that at the end of the day, we're all just figuring it out 🫶!Follow Aunty HR's accounts at:Instagram: https://www.instagram.com/professionalbimbo/?hl=enYouTube: http://youtube.com/@professional_bimboTik Tok: https://www.tiktok.com/@professionalbimboLinkedIn: https://www.linkedin.com/in/simlingku/Follow my accounts and FIO’s accounts on:Melody’s Instagram: https://www.instagram.com/sippin.lemonade/LinkedIn:Reddit: https://www.reddit.com/r/FiguringItOut_FIO/Instagram: https://www.instagram.com/figuringit_out.podTikTok:Apple Podcast: https://podcasts.apple.com/us/podcast/figuring-it-out/id1799922466Spotify: https://open.spotify.com/show/2WKPQqUe15hCR2LZpD5t75?si=441bbb9a9b074976Special thanks to: 🛋️ Furnitures by MAJUHOME Concept: https://finlit.my/majuhome🪵 Acoustic Wall Panel by Sleek: https://tinyurl.com/sleekpanel🎨 Design by Atap: https://finlit.my/atapco

    54 мин.
  6. You Ask We Answer (Finance Edition) ft. Peter Yong & Frankie Lim • Figuring It Out Episode 17

    07.08.2025

    You Ask We Answer (Finance Edition) ft. Peter Yong & Frankie Lim • Figuring It Out Episode 17

    So... building a good credit score may not be that hard?You always hear that having a good credit score is important and difficult to maintain — but no one really tells you how to actually build one, especially when you're just starting out. We kept seeing this question pop up in our DMs and comments, so we decided to compile all your burning finance questions and answer them in this QnA episode of Figuring It Out 🔍With the help of finance pros Peter Yong and Frankie Lim, we learned that one of the easiest ways to build your credit score is by simply placing your recurring bills — like phone or Spotify — on your credit card and paying them off consistently 📱✅. It automates your credit usage, keeps your score active, and most importantly, it builds a healthy credit habit — as long as you treat your credit card like a debit card and only spend what you already have in cash 💸Want more tips like this? Comment down below and we'll try our best to answer them.---------------------------------------------------------------------------------------------------------------------------Hosted by Melody, this podcast discusses anything and everything related to adulthood —the highs, lows, messy parts, and fun parts. Ultimately, it is a place for Gen Zers to learn, grow, and make fewer mistakes as they navigate adulthood 🥰! Don't forget to tune into Figuring It Out's and remember that at the end of the day, we're all just figuring it out 🫶!Follow my accounts and FIO’s accounts on:Melody’s Instagram: https://www.instagram.com/sippin.lemonade/Instagram: https://www.instagram.com/figuringit_out.podReddit: https://www.reddit.com/r/FiguringItOut_FIO/Apple Podcast: https://podcasts.apple.com/us/podcast/figuring-it-out/id1799922466Spotify: https://open.spotify.com/show/2WKPQqUe15hCR2LZpD5t75?si=441bbb9a9b074976Special thanks to: 🛋️ Furnitures by MAJUHOME Concept: https://finlit.my/majuhome🪵 Acoustic Wall Panel by Sleek: https://tinyurl.com/sleekpanel🎨 Design by Atap: https://finlit.my/atapco

    46 мин.
  7. Why You Might Work Until You Die (If You’re Gen Z) • Figuring It Out Ep16

    04.08.2025

    Why You Might Work Until You Die (If You’re Gen Z) • Figuring It Out Ep16

    So… We Might Never Get to Retire 😳I used to think retirement was just something that happens when you turn 60 — you stop working, withdraw your EPF, and finally relax. But the reality? Most people finish their EPF savings within just 5 years of retiring 😨.Is it poor planning? Instant gratification? A broken system?Honestly, it’s a bit of everything.In this episode, I sat down with researchers Sabreena and Nadhirah from ICMR to break down why this is happening — and more importantly, how we can protect ourselves from making the same mistakes.From budgeting tips to changing the way we view retirement, we’re figuring it all out together 💸If you're interested in reading the report, click this link to find out more!https://icmr.my/building-financial-security-capital-market-strategies-to-address-retirement-needs-and-spur-the-silver-economy/---------------------------------------------------------------------------------------------------------------------------Hosted by Melody, this podcast discusses anything and everything related to adulthood —the highs, lows, messy parts, and fun parts. Ultimately, it is a place for Gen Zers to learn, grow, and make fewer mistakes as they navigate adulthood 🥰! Don't forget to tune into Figuring It Out's and remember that at the end of the day, we're all just figuring it out 🫶!Follow my accounts and FIO’s accounts on:Melody’s Instagram: https://www.instagram.com/sippin.lemonade/Instagram: https://www.instagram.com/figuringit_out.podApple Podcast: https://podcasts.apple.com/us/podcast/figuring-it-out/id1799922466Spotify: https://open.spotify.com/show/2WKPQqUe15hCR2LZpD5t75?si=441bbb9a9b074976Special thanks to: 🛋️ Furnitures by MAJUHOME Concept: https://finlit.my/majuhome🪵 Acoustic Wall Panel by Sleek: https://tinyurl.com/sleekpanel🎨 Design by Atap: https://finlit.my/atapco

    1 ч. 7 мин.
  8. Investing 101 with just RM100: Beginner Tips That Actually Make Sense ft Mr Money TV

    23.07.2025

    Investing 101 with just RM100: Beginner Tips That Actually Make Sense ft Mr Money TV

    Think investing is out of your reach or only for the finance pros? Think again. In this episode of Figuring It Out, we break down how Gen Z can start investing with just RM100, no jargon, no stress.Join me as I chat with Peter, a seasoned investor, to ask real beginner questions you’ve always wanted answers to. From choosing the right portfolios to building a monthly habit, this video is packed with practical tips for young adults ready to take charge of their financial future.💡 Fun fact: You don’t need to time the market or follow finance news obsessively, just take one small step.✨ Special thanks to our first-ever sponsor, UOB Malaysia! ✨From now until 31 October 2025, complete 3 simple investment quests via UOB TMRW app and you could win a dream trip to Hokkaido worth RM18,888 🗻. Plus, the first 20 customers who complete all quests each month will receive RM200 worth of investment in the United CIO Growth Fund MY! Tap the link to learn more & start a rewarding investment journey:👉 https://www.uob.com.my/personal/invest/unit-trust-online.page 📌 Note:You will need an active UOB savings or current account to open a unit trust account via UOB TMRW app.You can also kick start your dollar cost averaging strategy by starting the habit of investing regularly from as low as RM100 monthly UOB Regular Investment Scheme (UOB RIS). Plus, get up to RM220 in vouchers when you start investing RM500 and above monthly from now until 31 December 2025.👉 https://tinyurl.com/3cudrpcdIf you don’t have a UOB savings or current account yet, open one now to start investing via UOB TMRW app and enjoy a guaranteed gift, including a dream escape to Bali, RM1,00 Klook e-Gift card, Anantara Vacation Club Voucher and more. Plus, enjoy cash reward of up to RM128.👉 https://tinyurl.com/4mztvustTerms and conditions apply.00:35 - Getting Started With Investing02:12 - Why You Should Do This Before Investing 05:07 - How to Formulate Your Investment 08:54 - Why You Should Consider Dollar Cost Averaging as a Strategy 11:10 - What Are The Types of Investments Available? 14:42 - Why You Should Pick An Investment That Suits You 18:58 - Why Gen-Zs Have An Edge In Investing Now 21:05 - What Are The Options To Start Investing With RM100? 22:24 - Pick Curated Portfolios To Kickstart Now 24:38 - Common Mistakes People Make When Investing 31:00 - Key Takeaways 32:49 - Learn How You Can Win A Fully Paid Trip to Hokkaido!#InvestviaTMRWapp #UOBTMRW #DollarCostAveraging #Easierthanyouthink #invest #investmen t#strategy #UOB #finance #DCA #trade #unittrust #stocks #funds #money #UOBTMRWapp #MakeTMRWYours #dollarcostaveraging #UOBRegularInvestmentScheme #UOBRIS🚨Disclaimer: This video is based on Figuring It Out’s opinion. This is not investment advice. All content produced is solely for education and entertainment purposes only. Please consult your financial advisor before making any investment decision. If you wish to find out more about UOB’s products and services, visit uob.com.my. This video has not been reviewed by Securities Commission Malaysia.

    36 мин.
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Figuring It Out isn’t just a podcast—it’s a community for growth, self-discovery, and learning. We’re here to help you make smarter decisions, avoid common mistakes, and step into adulthood feeling prepared (or at least less lost). Because at the end of the day, we’re all just figuring it out.

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    Figuring It Out
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