MONEY FM 89.3 - Your Money With Michelle Martin

The private-credit boom promises high returns and flexibility - but is the shine justified? Private credit is booming - but beneath its reputation for stability and diversification lies a more complicated story. In this episode, hosted by Michelle Martin, Morningstar’s Senior Analyst Arvind Subramanian breaks down what private credit really is, why borrowers and investors are piling in, and the key marketing claims investors should interrogate. He explains how low volatility may reflect opacity rather than safety, why diversification benefits are overstated, and how floating rates can both protect and punish portfolios. We also unpack the hidden risks around leverage, liquidity, and covenant protection. Ultimately, private credit can play a role, but investors need to scrutinize fees, transparency, and risk.See omnystudio.com/listener for privacy information.

Big earnings shocks and tariff twists keep markets on edge. DBS and UOB headline today as Q3 earnings diverge, with UOB hit by a 72% plunge while DBS holds up better than expected. In the U.S., tariff-linked stocks like Lululemon, Macy’s, and Mattel rallied as the Supreme Court heard challenges to Trump-era import duties. We also play Up/Down with McDonald’s, Pinterest, Snap, Apple, Google, HKEX, PropNex, and Yangzijiang Shipbuilding. Yangzijiang sinks after a major BlackRock selldown, while Singtel finds a bid. Hosted by Michelle Martin with Ryan Huang.See omnystudio.com/listener for privacy information.

Singapore’s inheritance expectations are rising - and so are the stakes. Over half of Singaporeans say they expect to receive or have already received an inheritance, with one in five anticipating a million-dollar windfall. Michelle Martin unpacks Etiqa Insurance’s new Wealth Transfer Insights Report with Jess Tan, Chief Distribution Officer, Etiqa Insurance Singapore. They explore how Singaporeans are rethinking legacy, why financial literacy is key to managing sudden wealth, and what families can do to avoid conflict and ensure smooth intergenerational planning. Hosted by Michelle Martin. See omnystudio.com/listener for privacy information.

Big brands, bold bets, and billion-dollar questions. Michelle Martin and Ryan Huang unpack Yum Brands’ plan to potentially sell Pizza Hut after a strong quarter led by Taco Bell and KFC. Plus, a check-in on Aramco, Pfizer, Spotify, and SIA Engineering’s earnings - who’s up, who’s down? Then, a look at Singapore’s new $1 billion wellness attraction, the Khoon Group sanctions fallout, and why Norway’s wealth fund is saying no to Elon Musk’s trillion-dollar pay deal. Hosted by Michelle Martin with Ryan Huang. See omnystudio.com/listener for privacy information.

As interest rates tumble to three-year lows, Singapore’s homeowners are racing to refinance their HDB loans. Could now be the smartest time to switch from HDB’s 2.6% rate to a bank loan? Or are there hidden risks that could derail your savings goals? From lock-in penalties to cash rebates and the one-way nature of HDB refinancing, learn what every borrower needs to check before signing. Then, turn your attention to retirement - how much insurance coverage do you really need to protect your future without overpaying? Hosted by Michelle Martin with guest Daniel Sim, Founder of Golden Goose Properties. See omnystudio.com/listener for privacy information.

The AI wave just got louder - Palantir posts a sixfold profit surge while Grab edges closer to sustainable profitability. Investors are also buzzing over Amazon’s mega cloud deal with OpenAI and Nvidia, and whispers of a CapitaLand–Mapletree merger shake up Singapore’s market scene. From global tech breakouts to local REIT speculation, Michelle unpacks the trends that could shape portfolios next quarter. Featuring insights on Palantir, Nvidia, Amazon, Grab, Jardine Matheson, and CapitaLand. See omnystudio.com/listener for privacy information.

Earnings are soaring, rates are falling, and investors can’t decide whether to celebrate or brace for impact. Join Michelle Martin and trading expert Simon Ree, Founder of Tao of Trading, as they unpack a blockbuster week for markets - from Apple, Microsoft, Alphabet, Amazon, and Meta’s AI-driven profits to the Fed’s latest rate cut and the U.S. - China trade truce. Can trillion-dollar tech giants hold their lead as AI spending skyrockets? And how long can markets keep levitating on optimism alone? Plus, a sneak peek into Simon’s upcoming Tao of Trading Mastermind Live in Singapore. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

Big Oil meets Big Tech - as ExxonMobil and Chevron beat Wall Street expectations while pivoting toward powering AI’s next frontier. Join the market ride from ExxonMobil and Chevron’s earnings to the AI-fueled spending surge at Alphabet, Meta, Microsoft, and Amazon. Michelle and Ryan unpack whether an AI bubble could be forming, what’s fueling U.S. markets, and what to watch this week - from Palantir and Pfizer to McDonald’s, Warner Bros Discovery, and YZJ Maritime. Hosted by Michelle Martin with Ryan Huang.See omnystudio.com/listener for privacy information.

What happens when the private equity boom meets a world of higher rates and lower liquidity? INSEAD Professor Claudia Zeisberger returns with a rewritten edition of Mastering Private Equity for a new financial era. Discover how investors are shifting from growth to stability, embracing private debt, and navigating the surge in secondaries and continuation funds. Hear how democratising the once-exclusive world of private capital is reshaping the landscape.See omnystudio.com/listener for privacy information.

Gold surges past US$4,000. Tech valuations swing. Emerging markets rise as supply chains shift east. Are KGI’s “ACE” pillars - Alternatives, Credit, and Elite Stocks - still winning in 2025? Bryan Low, Head of International Wealth for Singapore at KGI, joins Michelle Martin to unpack opportunities driven by the AI boom, shifting geopolitical risks, emerging markets and the resilience of REITs in income portfolios. See omnystudio.com/listener for privacy information.

Gold surges, Hong Kong banks tumble, and Uniqlo hits another record - what’s really driving markets this week? HSBC’s massive Hang Seng buyout shocks investors, while Wall Street buzzes over the “debasement trade” as commodities soar. Michelle Martin and Ryan Huang unpack what’s behind gold at US$4,000, silver at US$50, and Asia’s shifting sentiment. Plus: quick takes on PepsiCo, TSMC, Delta, Ferrari, Top Glove, and Fast Retailing. From matcha trends to market turns - this is your morning market intelligence, hosted by Michelle Martin with Ryan Huang.See omnystudio.com/listener for privacy information.

Can Asia’s economic resilience and the AI revolution shield its markets from U.S. political turbulence? Morningstar’s Kai Wang joins Michelle Martin to break down where the real long-term value lies in Asia’s equity landscape. From semiconductors powering the AI wave to Macao’s gaming revival and China’s restaurant rebound, discover how investors can look past the noise. Hear insights on sectors set to thrive amid trade fragmentation, consumer shifts, and policy change. A data-driven roadmap to the next phase of Asia’s growth, hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

Gold smashes through the $4,000 mark for the first time ever, igniting debate over whether this is a 1970s-style inflation hedge moment or a sign of fear overtaking fundamentals. Michelle Martin breaks down what’s driving the record surge, why Ray Dalio says investors should own more gold, and how the U.S. shutdown and Wall Street’s pause tie into this moment. Plus, Singapore’s STI rallies as DBS hits a historic S$150 billion valuation. In “Up or Down,” Michelle spotlights Grab, CapitaLand Ascendas REIT, LG Electronics, Trilogy Metals, and Dell - and what their latest moves reveal about market sentiment. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

What would you do if $129,600 landed back in your account overnight? Hosted by Michelle Martin, this episode dives into the maturity of Singapore’s first-ever 10-year Savings Bond and what investors might be weighing to do next. Elijah Lee from Phillip Securities joins to unpack reinvestment strategies, the trade-offs between safety, liquidity, and yield, and how SSBs stack up against T-Bills and SGS bonds. Learn whether to hold, ladder, or redeploy your cash - and where the smartest low-risk opportunities may lie now. See omnystudio.com/listener for privacy information.

OpenAI doubles down on the AI arms race - first Nvidia, now AMD. But what does a trillion-dollar chip war mean for investors? Hosted by Michelle Martin, this episode breaks down OpenAI’s new stake in AMD, Figma’s AI moment, and record-breaking highs on Wall Street and in Tokyo. We also look at Thailand’s capital market revamp, Malaysia’s hidden gems spotlighted by UOB Kay Hian, and Singapore’s STI climbing higher. Companies featured: OpenAI, AMD, Nvidia, Figma, Spotify, LG Electronics, ST Engineering, and UOB Kay Hian.See omnystudio.com/listener for privacy information.

Meet Mr Hyun Soo Kim, Founder and CEO of Sun Biotech, who’s spent 25 years developing vaccines for diseases big pharma overlooks. From pioneering the first WHO-prequalified vaccine from China to launching affordable options for Asia, his mission is saving lives, not chasing margins. Michelle Martin explores how purpose and innovation intersect in vaccine development. Discover how one man’s conviction is reshaping public health in the Global South. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

Markets are brushing off a U.S. government shutdown - but how long can they ignore the risks? OpenAI’s $500 billion valuation, record gold prices, and Bitcoin at $120K all raise new questions about bubbles, belief, and safe havens. Michelle Martin and Simon Ree unpack whether this is Dot-Com 2.0 or durable growth. They explore George Soros’ bubble logic, the Fed’s data blackout, and how investors can spot real earnings in the AI frenzy. Expect talk of OpenAI, Tesla, JPMorgan, Goldman Sachs, Delta, and Bitcoin as Q3 earnings season kicks off. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

AI is reshaping everything from Foxconn’s factory floors to investors’ portfolios. Record sales, surging Nvidia demand, and OpenAI’s $400B Stargate project fuel this week’s tech momentum. Michelle unpacks whether we’re in an AI bubble - or just the next phase of growth. She also spotlights market movers including Foxconn, Nvidia, Microsoft, TSMC, Keppel, DBS, Freeport-McMoRan, and Asahi. Get her take on Singapore’s latest rally and the week’s must-watch earnings from Dell, McCormick, and Delta. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

How far can $1,350 a month really take you in retirement? Hosted by Michelle Martin, this episode explores CPF Life and whether the Standard or Escalating Plan is better suited for your golden years. Daniel Sim, Founder of Golden Goose Properties, joins the conversation to unpack the trade-offs of starting payouts at 65 versus delaying till 70. They also discuss strategies to supplement CPF with rental income, downsizing, or non-property investments. If your retirement target is $2,500–$4,500 a month, where will the extra cash flow come from? Tune in to learn how to think of property as a secondary “CPF Life” and what other income streams can bridge the retirement gap. * The Full retirement sum is $213 000 for 2025, it will be $228 000 in 2027. This amount is the standard to set aside by age 55 on your Retirment Account to receive monthly payouts under the CPF LIFE Standard Plan upon reaching the Payout Eligibility Age. See omnystudio.com/listener for privacy information.

What if your entire business trajectory could change with one client? Meet author Tim Castle, one of the world’s Top 30 Negotiation Professionals and author of The First Domino. Tim walks us through his new playbook for anyone who wants their first big break and big client. What's the link between communication frameworks, confidence and magic in sales psychology as shared in this book? Tim shares the mindset shifts, and emotional intelligence that let small players punch above their weight in big deals. Learn how to engineer trust quickly and make the choices that can help you land that first client in under 90 days in this conversation.See omnystudio.com/listener for privacy information.

AI is the new oil—and Korea’s stock market just struck it big. Hosted by Michelle Martin solo, she unpacks the record-breaking rally in the KOSPI driven by Samsung and SK Hynix’s AI partnership with OpenAI. We dive into BYD’s first monthly sales decline of the year and what it signals for China’s EV wars. In our Up-or-Down round, we tackle USA Rare Earth’s jump on White House talks, Intel’s 50% surge in just one month, Buffett’s $10B buy of Occidental’s OxyChem, and why analysts are turning bullish on Singapore REITs. Companies discussed include BYD, Samsung, SK Hynix, Intel, Berkshire Hathaway, Occidental, USA Rare Earth, and S-REITs. Tune in for the key takeaways to carry into the weekend.See omnystudio.com/listener for privacy information.

Are more in Singapore rewriting the rules of work and retirement? Hosted by Michelle Martin with guest Ashmita Acharya, Head of International Wealth and Premier Banking, HSBC Singapore, this episode explores how Singaporeans are trading the “work till 65” model for intentional career pauses. We unpack HSBC findings that show 40% of Singaporeans planning mini-retirements aim to keep costs under $100K - signaling a shift from privilege to mainstream. From burnout relief to pursuing passion projects, mini-retirements are reshaping financial and life planning. How are they being funded - CPF, dividends, disciplined savings? And what are the non-financial hurdles that trip people up? Discover practical tips for anyone inspired to design a career with breaks built in, without sacrificing long-term security.See omnystudio.com/listener for privacy information.

Singapore takes the spotlight as IPOs surge and CICT overtakes Hong Kong’s Link Reit. Hosted by Michelle Martin with Ryan Huang, this episode unpacks the big shifts across Singapore’s markets. We look at CICT, Link Reit, LHN, DBS, UOB, OCBC, and Nintendo, and what these moves mean for investors. From dividend growth to co-living IPOs, and from stablecoins like XSGD to Buffett’s next big bet—what signals should you watch? Will Singapore cement its position as Asia’s IPO hub, or is this momentum fragile? And as US shutdown risks loom, how might markets price in uncertainty? See omnystudio.com/listener for privacy information.

What if happiness could be decoded for teens - and their parents? Hosted by Michelle Martin, this episode dives into Andrew Matthews’ Being a Happy Teen 2025, a complete rewrite of his classic bestseller read by millions worldwide. We explore why self-love tops the list, how to understand parents, and the secret of champions that builds resilience. Andrew reveals why happiness isn’t just a goal but a skill teens can learn. From handling bullies to dealing with disappointment, his practical wisdom shines through. A must-listen for anyone guiding or growing through the teenage years. See omnystudio.com/listener for privacy information.

Singapore’s IPO market is on fire - and it’s the strongest in over a decade! Hosted by Michelle Martin, this episode dives into the surge fueled by MAS’s S$5B liquidity fund, tax rebates, and record-breaking listings like Centurion Accommodation REIT and AvePoint’s dual debut. Malcolm Koo, CEO of CGS International Singapore, shares insights on sector shifts to AI, renewables, and healthcare. We explore investor sentiment trends across institutional and global funds. Plus, what reforms are still needed to keep the momentum going? And how should investors rethink portfolios to seize these new opportunities?See omnystudio.com/listener for privacy information.

A $55B gaming takeover shakes Wall Street and Asia-Pacific markets! Hosted by Michelle Martin who breaks down Electronic Arts’ mega buyout, market reactions, and the companies moving the needle today. Featuring Tata Group, Etsy, CapitaLand C-REIT, Yangzijiang Shipbuilding, and SingTel, we track winners, losers, and where markets head next. Will a looming U.S. shutdown weigh on sentiment? And which stocks are set for an Up or Down call? Get the Last Word on what’s driving the STI and beyond—all in one fast-moving show!See omnystudio.com/listener for privacy information.

Pharma stocks plunge as Trump’s 100% tariffs send shockwaves across Asia. Hosted by Michelle Martin, we break down the impact on Singapore’s $4 billion pharma exports, Sumitomo Pharma, CSL, and more. Are these tariffs a short-term blow or a long-term reset for Asian healthcare investments? Plus, we spotlight Mapletree’s three Singapore REITs - Logistics, Industrial, and Pan-Asia Commercial - amid expected rate cuts. Which one offers the best dividend yield and growth potential? Dividend Titan’s Willie Keng shares his strategy for navigating healthcare risks and REIT opportunities. See omnystudio.com/listener for privacy information.

Palm oil scandal, pharma tariffs, market jitters - what’s next for global investors? Hosted by Michelle Martin with Ryan Huang, we unpack Wilmar International’s corruption fallout, Donald Trump’s 100% pharma tariffs, and Chugai Pharmaceutical and Novo Nordisk’s market reaction. We explore the Buffett Indicator’s warning on U.S. equities, Nike’s upcoming earnings, and local market movers like Centurion Accommodation REIT, CapitaLand India Trust, and Jardine Matheson. Plus, our daily UP or DOWN verdict on Lululemon, Microsoft, and more. A fast-moving episode on scandals, stocks, and strategy.See omnystudio.com/listener for privacy information.

Fresh lemon-blue colours and sweet treats await you at the newest Italian breakfast spot in Singapore. The queue outside of Fortuna Italian Trattoria - fully booked for about a year and half since its opening - is well-known, and from Oct 1st, there is likely a similar line forming for Fortuna Terrazza, its sister outlet. Hosted by Michelle Martin, this episode of Influence welcomes Egon Marzaioli, the 33-year-old founder of Fortuna, as he unveils his bold new concept - Fortuna Terrazza. Egon is expanding his culinary footprint with an Amalfi Coast-inspired café. He shares how he’s recreating seaside café culture with dishes like RicottaMisu Hot Cake and Amalfi Lemon Sorbetto, and why hospitality is always at the heart of his craft. From Napoli to Australia to Singapore, Egon reflects on his global journey, his people-first philosophy, and what it takes to build restaurants that diners keep wanting to come back to.See omnystudio.com/listener for privacy information.

Singapore is on track to hit super-aged status next year, and the housing market is bracing for change. Hosted by Michelle Martin, today’s show dives into the launch of Perennial Living’s private luxury assisted living project in Kovan, with monthly fees from $8,900 to $17,000. Will this premium model succeed alongside government-led Community Care Apartments, or remain a niche for the ultra-wealthy? We explore the demand, risks, and investor opportunities in this emerging sector. Plus, Michelle and Ivan Cai, CEO, Crestbrick discuss whether more private developers could follow, and what the government’s role should be. Finally, the conversation shifts to Kampong Bugis, a 4,000-home waterfront precinct in the URA’s Draft Master Plan 2025, and why this new approach to development could reshape investor strategies.See omnystudio.com/listener for privacy information.

Can the viral power of Baby Shark turn into long-term investor value? Hosted by Michelle Martin with Ryan Huang, today’s Market View dives into Pinkfong’s Seoul IPO ambitions and whether Korea’s cultural IP is set for another global wave. Micron’s upbeat earnings forecast also has Wall Street buzzing - what does it mean for the semiconductor cycle? In our Up or Down segment, we put Malaysia’s Gamuda, Indonesia’s Merdeka Gold, Zijin Gold, and Heineken under the spotlight. Plus, a check-in on the Straits Times Index, with Seatrium and Singtel making notable moves. And finally, our Last Word takes us inside the quirky retail empire of Don Don Donki, as succession looms for its Gen Z heir.See omnystudio.com/listener for privacy information.

Martine Shin, founder of Timo & Farmers, joins Influence to share how her family’s organic blueberry farm in South Korea inspired a business bringing Korea’s best seasonal produce to Singaporean doorsteps in just 48 hours. Hosted by Michelle Martin, this episode explores the leap from corporate life to mission-driven entrepreneurship, the realities of building a farm-to-table supply chain, Tune in for insights on sustainability, entrepreneurship, and the big goals shaping Timo & Farmers over the next five years.See omnystudio.com/listener for privacy information.

How could the new iEdge Singapore Next 50 Indices reshape valuations, visibility, and investor opportunities. Hosted by Michelle Martin, this episode dives into how the Next 50 indices could unlock liquidity, ETF flows, and future growth for S-REITs within a context of falling rates. REIT specialist and Wealth Advisory Director, Kenny Loh breaks down the impact of falling borrowing costs and where income-focused investors should be looking now. From Centurion Accommodation REIT’s IPO to data centres, retail, and healthcare REITs - find out which sub-sectors are set to shine.See omnystudio.com/listener for privacy information.

Gold at record highs, silver at a 14-year peak - are we in a new commodities supercycle? Hosted by Michelle Martin with Ryan Huang, we break down what’s driving the surge in gold, silver, and even copper prices. We also dissect insider selling at high-flying companies like Nvidia, Macy’s, Motorola Solutions, Oklo, and NetApp amid Wall Street’s rally. Plus, we debate UP or DOWN calls on Netflix, Adani Power, Pfizer, Nvidia, Oracle, and Mapletree Investments. How did the Straits Times Index perform after testing support at the 4,300 level? And for our Last Word: Fat Bear Week 2025 in Alaska - why investors and bears alike are bulking up.See omnystudio.com/listener for privacy information.

Are there moves you should make now with your portfolio? The US central bank slashes rates by 25 basis points to 4 - 4.25%, with cautious guidance pointing to only a handful of cuts ahead. Standard Chartered’s Global Market Outlook calls this a “delicate balancing act,” with investors urged to rotate from US to Asia ex-Japan equities. EM local currency bonds and locking in yields on high-quality debt emerge as key strategies. Audrey Goh, Head of Asset Allocation at Standard Chartered Bank’s Wealth Solutions Chief Investment Office, joins us to map out opportunities amid volatility. Hosted by Michelle Martin, this episode unpacks the Fed’s move and its global portfolio implications.See omnystudio.com/listener for privacy information.

Buffett cashes out, markets rally, and anime slays Hollywood! Asia-Pacific markets surge as Berkshire Hathaway ends its legendary 17-year run with BYD. SGX launches two mid-cap indices spotlighting names like CapitaLand Ascott Trust, ComfortDelGro, and Sheng Siong. In the U.S., Seagate and Micron ride the AI wave as “boring tech” takes center stage. RTX battles cyberattacks, Singtel’s Optus faces scrutiny, and Demon Slayer conquers the box office. Hosted by Michelle Martin with Ryan Huang, uncover the week’s market movers and money-making trends shaping global portfolios.See omnystudio.com/listener for privacy information.

Given this mix of lower rates, a strong stock market, and lingering uncertainties, how should investors balance risk and return in their portfolios for the rest of the year? And if you wanted to skip complicated products like ILP's, what would alternative options be? Michelle Martin finds out with Cheng Chye Hsern, Head of Investment, Providend.See omnystudio.com/listener for privacy information.

Nvidia’s $5B bet on Intel has Wall Street buzzing. Hosted by Michelle Martin with Ryan Huang, this episode unpacks what the deal means for the chip industry, markets, and investors. We explore the small-cap rally, IPO action with Netskope and Zijin Gold, and the latest moves from CrowdStrike, FedEx, ComfortDelGro, and Hong Kong Land. Discover why tech giants are teaming up and what it signals for AI and data centers. Plus, we break down market highs, sector trends, and Singapore’s STI outlook. Get insights into what’s driving momentum - and where risks remain.See omnystudio.com/listener for privacy information.

How can deep tech change the world for the better? Hosted by Michelle Martin, this episode of Influence welcomes Jeep Kline, Founder & Managing Partner of Raisewell Ventures who has launched 4 VC funds to explore impact-driven investing. We discuss why climate tech and advanced manufacturing sit at the heart of Raisewell’s portfolio, how academia can bridge research and entrepreneurship, and the realities of venture flows in Southeast Asia. Jeep shares her personal journey to launching Silicon Valley’s first impact VC fund led by a Thai woman. Gain insights into mission-driven investing, market opportunities, and shaping a better future through innovation.See omnystudio.com/listener for privacy information.

What happens when a borderless career meets a cross-border divorce? Hosted by Michelle Martin, this episode explores the financial and legal pitfalls facing globally-mobile professionals when marriages break down. Guest Foo Soon Yien, Senior Director at BR Law Corporation, breaks down jurisdictional rules, domicile requirements, and the risks of assuming Singapore’s courts will hear your case. We discuss how frequent travel, long-term PR status, and dual citizenship affect eligibility to file. Hear about “forum shopping,” landmark cases, and key differences between divorce laws across countries. Plus, practical advice to protect your assets before crisis strikes. See omnystudio.com/listener for privacy information.

Fed cuts rates - but what does it mean for investors? Markets are reacting to the first rate cut of the year, with retail investors watching closely. Hosted by Michelle Martin with Ryan Huang, this episode dives into sector winners and losers as the Fed balances unemployment and inflation. Companies in focus include PayPal, Alphabet, Nvidia, Netskope, Jardine Matheson, and Hong Kong Land. We explore how tech stocks, property counters, and blue chips are shifting amid mixed market signals. Plus, we play our daily game of UP or DOWN on Palantir, Puma, Gucci, Baidu, and more.See omnystudio.com/listener for privacy information.

The STI has smashed past 4,300 – should you be looking to gain exposure to it? Tim Phillips, Founder of TimTalksMoney, joins the conversation to explore what investors should make of this milestone. We break down valuation risks, macro drivers, and whether DBS Group still has room to run. ETFs tracking the STI come under review for those eyeing a diversified route. Beyond Singapore, we scan Asia for markets and sectors that look compelling. Hosted by Michelle Martin with guest Tim Phillips, Founder of TimTalksMoney.See omnystudio.com/listener for privacy information.