Podcasts about money hacks

"Keep calm and stay invested”, they say. That’s easier said than done. In fact, long-term investing is suddenly under fire because of the uncertainty surrounding markets these days. So should we cut and run or stay the course? Howe Lim speaks to the experts to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:04 The viability of long-term investing 04:15 Misconceptions of long-term investing 08:16 What to invest in the long term 11:57 Should we rethink time horizon or rebalance? --- 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 Yee Shen Hao, financial services manager, Phillip Securities; and Tan Chin Yu, lead of Advisory Team, Providend 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

"Keep calm and stay invested”, they say. That’s easier said than done. In fact, long-term investing is suddenly under fire because of the uncertainty surrounding markets these days. So should we cut and run or stay the course? Howe Lim speaks to the experts to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:04 The viability of long-term investing 04:15 Misconceptions of long-term investing 08:16 What to invest in the long term 11:57 Should we rethink time horizon or rebalance? --- 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 Yee Shen Hao, financial services manager, Phillip Securities; and Tan Chin Yu, lead of Advisory Team, Providend 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

In this no-BS, episode of The Extreme Personal Finance Show, Chris sits down with librarian, musician, and metalhead financial rebel Jessie May—author of Money Hacks for Metalheads and Old Millennials. From DIY gig life to decoding Roth IRAs and the broken promises of the American Dream, Jessie shreds through the noise to deliver practical, empowering money advice for those who feel like the system's working against them.What You'll Learn:Why investing felt intimidating—and how Jessie took control anywayHow bartering your skills can build wealth and band momentumWhat the new American Dream might look like todayWhy childcare, housing, and healthcare are crushing the middle classSmart tips for budgeting, saving, and keeping your freedomJessie's approach to low-cost investing (hello, VTI and S&P 500)The truth about systemic inequality, and financial literacy gapsWhy tracking expenses and using Google Sheets still slaysContact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:Money Hacks for Metalheads and Old Millennials: The Revised and Expanded Second Editionby Jessie May https://amzn.to/406ZC7GJessie's IG@jessiemayonthewebJessie's Substackhttps://jessiemay.substack.comOwl Makerhttps://www.youtube.com/@owlmakerSimple Path to Wealth: Your road map to financial independence and a rich, free lifeby J L Collins https://amzn.to/45u7ofEAmy Tung Barrysmith from Year of the Cobrahttps://www.facebook.com/amy.tung.barrysmith/Turkey Vulturehttps://turkeyvulture.bandcamp.com/album/dead-to-mehttps://www.youtube.com/@turkeyvulturebandJessie Mayhttps://jessiemay.bandcamp.com/album/this-dreamSubscribe to the podcast and leave us a 5-star review if you're ready to fight back against the financial system—with guitars, spreadsheets, and unapologetic energy.

Think crypto’s just for tech bros and meme coin gamblers? Think again. In this episode of Money Hacks, Howie Lim digs into the surprisingly high crypto adoption rates in Singapore with Coinbase’s Hassan Ahmed and crypto communications professional Deborah Tan-Pink. From common misconceptions and beginner mistakes to why stablecoins might just be the sneaky MVPs, we break down what new investors need to know. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 03:23 Top crypto assets in Singapore 05:22 How much crypto in a portfolio 09:18 Crypto’s volatility 11:16 How global uncertainty will affect crypto 15:17 Outlook for the year --- 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 Hassan Ahmed, Singapore country director, Coinbase; and Deborah Tan-Pink, crypto communications professional 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Think crypto’s just for tech bros and meme coin gamblers? Think again. In this episode of Money Hacks, Howie Lim digs into the surprisingly high crypto adoption rates in Singapore with Coinbase’s Hassan Ahmed and crypto communications professional Deborah Tan-Pink. From common misconceptions and beginner mistakes to why stablecoins might just be the sneaky MVPs, we break down what new investors need to know. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 03:23 Top crypto assets in Singapore 05:22 How much crypto in a portfolio 09:18 Crypto’s volatility 11:16 How global uncertainty will affect crypto 15:17 Outlook for the year --- 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 Hassan Ahmed, Singapore country director, Coinbase; and Deborah Tan-Pink, crypto communications professional 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

June is upon us and it’s time to get out! But can you still find bargains during travel peak time? Have you considered an alternative destination and how else can you maximise your travel budget? Howie Lim speaks to Cyndi Hui from Skyscanner to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:15 The value maximisation continues 05:25 If flexibility isn’t on the table 08:39 Luxe for less 12:31 Year-end travel trends --- 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 Cyndi Hui, travel trends and destination expert, Skyscanner 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

June is upon us and it’s time to get out! But can you still find bargains during travel peak time? Have you considered an alternative destination and how else can you maximise your travel budget? Howie Lim speaks to Cyndi Hui from Skyscanner to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:15 The value maximisation continues 05:25 If flexibility isn’t on the table 08:39 Luxe for less 12:31 Year-end travel trends --- 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 Cyndi Hui, travel trends and destination expert, Skyscanner 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

From seven-figure years to seven-figure months

Exchange-traded funds are an excellent entry point into the stock market for new investors. They’re cheap and typically carry lower risk than individual stocks since a single fund holds a diversified collection of investments. How’ve they been doing so far with all this market volatility? Howie Lim finds out from Dina Ting of Franklin Templeton. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:57 Shifting investor appetite 04:38 Favourable market conditions 08:34 Portfolio repositioning 13:53 How to navigate uncertainty --- 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 Dina Ting, senior vice president, head of Global Index Portfolio Management, Franklin Templeton 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Exchange-traded funds are an excellent entry point into the stock market for new investors. They’re cheap and typically carry lower risk than individual stocks since a single fund holds a diversified collection of investments. How’ve they been doing so far with all this market volatility? Howie Lim finds out from Dina Ting of Franklin Templeton. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:57 Shifting investor appetite 04:38 Favourable market conditions 08:34 Portfolio repositioning 13:53 How to navigate uncertainty --- 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 Dina Ting, senior vice president, head of Global Index Portfolio Management, Franklin Templeton 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Given the potential for Reits to outperform in a muted Singaporean economy due to their attractive dividend yields, the question arises: should investors consider shifting their investments from banks to Reits? Howie Lim finds out from the experts. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:10 The current landscape 03:26 Reits vs. banks vs. STI? 06:42 Outlook for the rest of 2025 09:25 Strategic portfolio approach --- 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 Daphne Tan, head of business development, CMC Markets Singapore; and Ritesh Ganeriwal, managing director and head of investment and advisory, 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Given the potential for Reits to outperform in a muted Singaporean economy due to their attractive dividend yields, the question arises: should investors consider shifting their investments from banks to Reits? Howie Lim finds out from the experts. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:10 The current landscape 03:26 Reits vs. banks vs. STI? 06:42 Outlook for the rest of 2025 09:25 Strategic portfolio approach --- 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 Daphne Tan, head of business development, CMC Markets Singapore; and Ritesh Ganeriwal, managing director and head of investment and advisory, 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

In the middle of May, the US said they would lower tariffs from 145 per cent to 30 per cent, while China's retaliatory tariffs on US goods will drop to 10 per cent from 125 per cent. This is promising but doesn’t take away from the fact that the tariffs may have dealt a blow to Chinese markets already. Is China still worth investing in, then? Howie Lim speaks to the experts to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:25 Tariff impact on China 04:53 Chinese investment opportunities 09:00 Navigating uncertainty 10:20 Why China is still worth 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 Raisah Rasid, global market strategist at J.P. Morgan Asset Management and Sean Teo, trader at Saxo 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

In the middle of May, the US said they would lower tariffs from 145 per cent to 30 per cent, while China's retaliatory tariffs on US goods will drop to 10 per cent from 125 per cent. This is promising but doesn’t take away from the fact that the tariffs may have dealt a blow to Chinese markets already. Is China still worth investing in, then? Howie Lim speaks to the experts to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:25 Tariff impact on China 04:53 Chinese investment opportunities 09:00 Navigating uncertainty 10:20 Why China is still worth 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 Raisah Rasid, global market strategist at J.P. Morgan Asset Management and Sean Teo, trader at Saxo 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Send us a textWelcome to The Vault Unlocked, by Financielle.This week's episode involves some outrageous money hacks shared by others, plus some questions focussed on big life moments!The Vault is an entertaining yet thought provoking podcast that answers our community's dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

You’d like a marble counter top, zebra wood for your floors and designer fixtures. But before all that, shouldn’t you figure the budget out and if you have the money? If not, maybe there are loans out there to tap on. For more insights on how to ‘hack’ your home renovations, Howie Lim speaks to Jenn Ong, managing director of GXS Bank. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:43 Home renovations - exciting or overwhelming 03:26 Setting realistic budgets 05:04 Flexibility in loan payments 09:08 The best financial solutions 11:36 Must dos --- 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 Jenn Ong, managing director, GXS Bank 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

You’d like a marble counter top, zebra wood for your floors and designer fixtures. But before all that, shouldn’t you figure the budget out and if you have the money? If not, maybe there are loans out there to tap on. For more insights on how to ‘hack’ your home renovations, Howie Lim speaks to Jenn Ong, managing director of GXS Bank. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:43 Home renovations - exciting or overwhelming 03:26 Setting realistic budgets 05:04 Flexibility in loan payments 09:08 The best financial solutions 11:36 Must dos --- 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 Jenn Ong, managing director, GXS Bank 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Rising costs and uncertainty have knocked the long heralded $1 million off its pedestal. Or has it? Is $1 million enough to retire on? If not, how much is enough? And how quickly can one get to their magic number? Howie Lim speaks to The Weeblings, content creators who are a quarter way there for insights. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:57 The Weeblings’ magic number 08:09 Steps to take to obtain magic number 12:26 Why we should follow The Weeblings 16:55 Advice for the risk adverse --- 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 Sara and Aaron Wee, content creators 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Rising costs and uncertainty have knocked the long heralded $1 million off its pedestal. Or has it? Is $1 million enough to retire on? If not, how much is enough? And how quickly can one get to their magic number? Howie Lim speaks to The Weeblings, content creators who are a quarter way there for insights. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:57 The Weeblings’ magic number 08:09 Steps to take to obtain magic number 12:26 Why we should follow The Weeblings 16:55 Advice for the risk adverse --- 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 Sara and Aaron Wee, content creators 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Real estate is the largest commodity most Americans have access to, and learning how to make deals with it can create serious wealth with fewer transactions. The key is leverage: being in multiple places financially at once. In this episode, Kris Krohn explains how you can tap into proven systems to make money faster, even when you are not actively working. Discover how to build momentum and accelerate your path to wealth.

Can personal finance be as simple as ‘staying in your lane’ and not ‘speeding’? Surely it’s more complex than that. Or is it? Howie Lim speaks to financial advisor and author George Stefanou about his ‘5 lanes of personal finance’ theory. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:28 How to classify needs, wants and wishes 05:31 The 5 lanes of personal finance management 07:34 The 5 lanes of personal finance management - con’t 12:26 How to stay the course, if not in your lane --- 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 George Stefanou, financial advisor and author 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Can personal finance be as simple as ‘staying in your lane’ and not ‘speeding’? Surely it’s more complex than that. Or is it? Howie Lim speaks to financial advisor and author George Stefanou about his ‘5 lanes of personal finance’ theory. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:28 How to classify needs, wants and wishes 05:31 The 5 lanes of personal finance management 07:34 The 5 lanes of personal finance management - con’t 12:26 How to stay the course, if not in your lane --- 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 George Stefanou, financial advisor and author 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

The Trump tariffs have released market mayhem. How is your 60/40 portfolio doing? Should you rejig this classic investment strategy and how can you balance your defensive positioning with the growth potential of your investments? Howie Lim speaks to Audrey Goh from Standard Chartered Bank and Pete Tan from PhillipCapital for insights. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:06 The 60/40 portfolio assessed 03:58 How investors have been reacting 07:45 How 60/40 manages volatility 09:36 Investment opportunities in uncertainty --- 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 Audrey Goh, head of asset allocation at Standard Chartered Bank’s wealth solutions division and Pete Tan, portfolio manager at PhillipCapital 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

The Trump tariffs have released market mayhem. How is your 60/40 portfolio doing? Should you rejig this classic investment strategy and how can you balance your defensive positioning with the growth potential of your investments? Howie Lim speaks to Audrey Goh from Standard Chartered Bank and Pete Tan from PhillipCapital for insights. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:06 The 60/40 portfolio assessed 03:58 How investors have been reacting 07:45 How 60/40 manages volatility 09:36 Investment opportunities in uncertainty --- 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 Audrey Goh, head of asset allocation at Standard Chartered Bank’s wealth solutions division and Pete Tan, portfolio manager at PhillipCapital 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

What does it look like to fully optimize your life—not just financially, but how you travel, make decisions, and spend your time? In this episode, I'm joined by Chris Hutchins, host of All the Hacks, for a fast-paced conversation about how to get more value, joy, and efficiency from everything you do. We talk about optimizing credit card rewards, streamlining travel, removing decision fatigue, and using money as a tool—not just for freedom, but for alignment with your values. If you're the kind of person who loves a smart system, a good travel hack, or just wants to make everyday decisions easier and more intentional, this episode is packed with ideas and inspiration. Get full show notes and transcript: https://pointmetofirstclass.com/travel-money-life-hacks-chris-hutchins/ Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of! Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

As it becomes more challenging to earn a decent interest rate on our savings, it’s time to look beyond fixed deposits and T-Bills, for that matter. Are there instruments which afford the same returns as fixed deposits but greater flexibility? Howie Lim speaks to Michele Ferrario of StashAway and Willie Keng from dividendtitan.com to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:10 Money Market Funds 04:48 Money Market Funds vs. Short-term Bonds 09:19 What is the safest bet? 11:17 The myth surrounding fixed income --- 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 Michele Ferrario, co-founder and CEO of StashAway and Willie Keng, founder of dividendtitan.com 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

As it becomes more challenging to earn a decent interest rate on our savings, it’s time to look beyond fixed deposits and T-Bills, for that matter. Are there instruments which afford the same returns as fixed deposits but greater flexibility? Howie Lim speaks to Michele Ferrario of StashAway and Willie Keng from dividendtitan.com to find out. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 01:10 Money Market Funds 04:48 Money Market Funds vs. Short-term Bonds 09:19 What is the safest bet? 11:17 The myth surrounding fixed income --- 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 Michele Ferrario, co-founder and CEO of StashAway and Willie Keng, founder of dividendtitan.com 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

How do you turn your flailing portfolio around if it had an abysmal time in Q1? What were the mistakes you made and what can you do about them to have a fruitful rest of the year? Howie Lim speaks to David Kuo from The Smart Investor and Hugh Chung from Endowus for advice. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:13 Do not do this anymore 07:04 Noise vs economic data 11:17 Turn things around 13:21 Outlook for the rest of 2025 --- 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 David Kuo, founder, The Smart Investor and Hugh Chung, chief investment officer, Endowus 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

How do you turn your flailing portfolio around if it had an abysmal time in Q1? What were the mistakes you made and what can you do about them to have a fruitful rest of the year? Howie Lim speaks to David Kuo from The Smart Investor and Hugh Chung from Endowus for advice. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 02:13 Do not do this anymore 07:04 Noise vs economic data 11:17 Turn things around 13:21 Outlook for the rest of 2025 --- 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 David Kuo, founder, The Smart Investor and Hugh Chung, chief investment officer, Endowus 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

About two in three Singaporeans are considering a job change within the next 12 months. Are you one of them? Do you know what it entails financially to switch roles? Have you considered all the angles? Howie Lim speaks to Susan Fanning from Aon to get the answers. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:57 The great resignation and the war for talent 04:12 Most important considerations 08:35 Less common but equally important 12:30 Consider these before switching roles --- 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 Susan Fanning, head of wellbeing solutions, Aon 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

About two in three Singaporeans are considering a job change within the next 12 months. Are you one of them? Do you know what it entails financially to switch roles? Have you considered all the angles? Howie Lim speaks to Susan Fanning from Aon to get the answers. Synopsis: Every Monday, The Business Times breaks down useful financial tips. Highlights: 00:57 The great resignation and the war for talent 04:12 Most important considerations 08:35 Less common but equally important 12:30 Consider these before switching roles --- 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 Susan Fanning, head of wellbeing solutions, Aon 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 Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Want to build wealth and keep more of what you earn? In this episode of The Rich Somers Report, Rich sits down with Brian Decker, a serial entrepreneur and investor, to break down the most effective tax strategies, investing hacks, and long-term wealth-building moves that the ultra-wealthy use to legally minimize taxes and maximize returns.Rich and Brian discuss:How the wealthiest investors leverage real estate, private equity, and tax loopholes to grow wealth.Why most financial advisors don't teach people how to truly reduce their tax burden.The power of Roth IRAs, self-directed IRAs, and 529 plans for tax-free growth.Why debt is not the enemy—how billionaires use it to avoid taxes and expand their portfolios.How to protect your wealth from inflation, government policy shifts, and market volatility.Brian shares his playbook for structuring investments to generate tax-free cash flow, leveraging tax-advantaged accounts, and using debt intelligently to build generational wealth. If you're tired of overpaying in taxes and want to learn the secrets the top 1% use to legally keep more money, this episode is for you.For limited investment opportunities with Somers Capital: www.somerscapital.com/invest. Ready to take your investing to the next level? Join our Boutique Hotel Mastermind Community. Join a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.

Josh Sebo (COO of OfferVault), Adam Young (CEO of Ringba), industry legend Harrison Gevirtz and special guest Denys Gonchar (Founder & CEO of ADGENIX Media discuss:- Early Beginnings: What led Denys to start ADGENIX Media?- Solo Affiliate vs. Team- Scrubbing: What is it?- Money Hacks & Thinking Strategically- Best Verticals for 2025- Top Strategies for 2025- Deal Structuring: How to maximize payouts!- Denys's Vision & Goals for 2025Follow Us:OfferVault:WEBSITE: https://www.offervault.com/FACEBOOK: https://www.facebook.com/offervaultINSTAGRAM: https://www.instagram.com/offervaultmarketing/TWITTER: https://www.twitter.com/offervaultLINKEDIN: https://www.linkedin.com/company/offer-vault/Adam Young: RINGBA: https://www.ringba.comRINGBA's INNER CIRCLE: https://try.ringba.com/inner-circle/FACEBOOK: https://www.facebook.com/ringbaINSTAGRAM: https://www.instagram.com/adamyoung/TWITTER: https://www.twitter.com/arbitrageLINKEDIN: https://www.linkedin.com/in/capitalistHarrison Gevirtz:INSTAGRAM: https://www.instagram.com/affiliate/LINKEDIN: https://www.linkedin.com/in/harrisongevirtz/Denys Gonchar:ADGENIX MEDIA: https://www.adgenixmedia.com/INSTAGRAM: https://www.instagram.com/denysofficial/LINKEDIN: https://www.linkedin.com/in/denys-gonchar/

Ever dreamed of quitting your 9-to-5 job and achieving financial freedom? In this video, Mike Reilly shares how he quit his job at Google and built a thriving business with Airbnb. Discover 4 powerful money hacks that helped me escape the corporate grind and create a lifestyle of flexibility, income, and independence. Whether you're an Airbnb cohost, host, or real estate investor, this video is packed with actionable tips to help you start or grow your short-term rental business.From mastering Airbnb cohosting to leveraging smart property management strategies, I'll show you how to turn short-term rentals into a profitable income stream. These money hacks are designed for anyone looking for a career alternative, a side hustle, or a way to scale their Airbnb business to the next level.Learn how to acquire more properties, secure cohosting contracts, and maximize profits while working fewer hours. If you're ready to ditch the 9-to-5 grind and build a business on your terms, this video is for you.What's your ultimate goal with Airbnb? Share in the comments below! Don't forget to like, subscribe, and hit the bell for more Airbnb tips, cohosting strategies, and real estate investing insights.Join Our Facebook Community where we have live trainings every Wednesday: https://www.facebook.com/share/jKKgdDt62P7Kj52t/?mibextid=CTbP7E%3Futm_source%3DIG-Bio&utm_medium=strsecretsy00:00 Leaving the W-2: A Leap of Faith02:51 Understanding Your Freedom Number05:46 Health Insurance: Navigating the Transition11:58 Investing Your 401k: Making Smart Moves14:46 Conventional Lending: What You Need to Know21:49 Budgeting and Taxes: Planning for Success25:11 Communication and Goal Setting with Your Partner29:58 Overcoming Fear and Anxiety in Entrepreneurship#AirbnbCohosting #AirbnbHosting #RealEstateInvesting #ShortTermRentals #FinancialFreedom #Quit9to5 #AirbnbBusiness #PassiveIncome #PropertyManagement #AirbnbTips

Ever dreamed of quitting your 9-to-5 job and achieving financial freedom? In this video, Mike Reilly shares how he quit his job at Google and built a thriving business with Airbnb. Discover 4 powerful money hacks that helped me escape the corporate grind and create a lifestyle of flexibility, income, and independence. Whether you're an Airbnb cohost, host, or real estate investor, this video is packed with actionable tips to help you start or grow your short-term rental business.From mastering Airbnb cohosting to leveraging smart property management strategies, I'll show you how to turn short-term rentals into a profitable income stream. These money hacks are designed for anyone looking for a career alternative, a side hustle, or a way to scale their Airbnb business to the next level.Learn how to acquire more properties, secure cohosting contracts, and maximize profits while working fewer hours. If you're ready to ditch the 9-to-5 grind and build a business on your terms, this video is for you.What's your ultimate goal with Airbnb? Share in the comments below! Don't forget to like, subscribe, and hit the bell for more Airbnb tips, cohosting strategies, and real estate investing insights.Join Our Facebook Community where we have live trainings every Wednesday: https://www.facebook.com/share/jKKgdDt62P7Kj52t/?mibextid=CTbP7E%3Futm_source%3DIG-Bio&utm_medium=strsecretsy00:00 Leaving the W-2: A Leap of Faith02:51 Understanding Your Freedom Number05:46 Health Insurance: Navigating the Transition11:58 Investing Your 401k: Making Smart Moves14:46 Conventional Lending: What You Need to Know21:49 Budgeting and Taxes: Planning for Success25:11 Communication and Goal Setting with Your Partner29:58 Overcoming Fear and Anxiety in Entrepreneurship#AirbnbCohosting #AirbnbHosting #RealEstateInvesting #ShortTermRentals #FinancialFreedom #Quit9to5 #AirbnbBusiness #PassiveIncome #PropertyManagement #AirbnbTips

In the latest episode of the Podcast Andy's talking about the best savings accounts for 2025 and also he'll be sharing his top money habits, so you too can be even better with your cash. Meanwhile, Amelia tells us about some money hacks for the new year. Best savings accounts for 2025 Amelia's money hacks for 2025 Andy's money habits for 2025 For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

In this episode of the Financial Freedom Podcast, we welcome Doug Nordman, a retired U.S. Navy submariner, author, and financial independence advocate. Doug shares his inspiring journey to early retirement, practical tips for frugal living, and strategies for raising financially literate kids to prepare them for a life of financial stability.   This episode is perfect for anyone looking to achieve financial independence, learn how to live a debt-free lifestyle, break free from overconsumption, and build generational wealth while adopting habits for long-term financial success.  If you're starting your journey toward retirement planning this episode is a must listen. Key Topics Covered: 1. Doug Nordman's Journey to Financial Independence   Discover how Doug retired early through strategic financial planning and disciplined living.   2. Frugal Living Without Feeling Deprived   Understand how intentional spending can lead to a fulfilling life without financial stress.   3. Striking the Balance Between Saving and Living   Doug explains how to enjoy life while staying committed to your financial goals.   4. Teaching Kids Financial Literacy Early   Learn how to introduce money concepts, allowances, and chores to teach your kids the value of frugality and smart money habits.   5. Doug's Approach to Giving Back   Explore Doug's thoughtful donation strategies and how generosity can enrich your financial journey.   6. Tackling Overconsumption and Hyper Consumerism   Get tips on resisting societal pressures to overspend and focusing on value-driven living.   7. Achieving Fulfillment Through Retirement Doug's journey to achieving fulfillment through his retirement.   Resources Mentioned: The Military Guide to Financial Independence and Retirement (Doug's book) Raising Your Money-Savvy Family for Next Generation Financial Independence Listener Takeaways: Achieve financial independence with practical, actionable strategies.   Balance frugal living with enjoying life's pleasures.   Equip your children with lifelong money skills.   Avoid overconsumption and focus on intentional spending.  Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Doug Nordman:  Author, speaker, and advocate for financial independence Email him at: nords@gmail.com  Thank you for tuning in! Be sure to share this episode with anyone navigating student loan repayment.   This episode is also sponsored by FacetWealth Discover how Facet is transforming financial planning for physicians with personalized, flat-fee financial planning—visit facet.com/frugalphysician to start building your financial future today. This episode is also sponsored by Corporate Direct - Helping entrepreneurs and investors protect their assets and build real wealth. Corporate Direct also assists clients in meeting compliance requirements under the Corporate Transparency Act, ensuring federal reporting is handled with ease and accuracy.

In the first of our three festive rewind episodes, Andy talks us through his best money hacks and how to save money on your streaming services: Top 10 money hacks Top 10 ways to save on video and music streaming For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is presented by Andy Webb and Amelia Murray from the award winning personal finance site becleverwithyourcash.com. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Do you want to know how to save $1,000 a month (or more!) with simple spending and saving tweaks? Today, we're giving you the BEST money hacks for 2025 from the expert, Chris Hutchins of All the Hacks! Some of these smart money moves will save Chris over $20,000 just next year, and that's not even including all the other hacks he shared in this episode. The best part? These money hacks can help you retire early by substantially reducing your cost of living. Chris starts by sharing one of the most genius ways he's making extra money. You could call it a side hustle, and Chris has a LOT of them to share. Then, we start taking HUGE chunks of money out of your monthly expenses as Chris shows you how to slash all your insurance costs, reduce your property taxes effortlessly, save tens of thousands a year on healthcare, and easily go out to eat for thirty percent less. If your 2025 goal is to save more, spend less, and get to FIRE faster, this is the perfect way to start, and missing out on these tips could cost you tens of thousands!  In This Episode We Cover Chris's favorite side hustle of 2024 that's making him extra money (nobody has thought of this!) How to slash your property tax bill in exchange for a couple of hours of your time Reevaluating your car insurance and why you MUST get new quotes ASAP Savvy healthcare hacks that could save Chris $24,000 this year alone  How to get a deep discount whenever you eat out (twenty to thirty percent off!) The one thing you can't (and probably shouldn't) hack  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group BiggerPockets Money 473 - Holiday Shopping Hacks That'll Save You Hundreds (or Thousands) This Season w/Chris Hutchins BiggerPockets Real Estate 783 - Home Buying Hacks: Finding The Perfect House (and Agent!) w/Chris Hutchins BiggerPockets Real Estate 955 - BiggerNews: Real Estate vs. Stocks, the Ultimate Wealth-Building Debate w/Chris Hutchins and The Motley Fool Why You Shouldn't Stop Working Once You Hit Financial Freedom w/Chris Hutchins All the Hacks  All the Hacks 34 - Insider Tricks to Healthcare, Prescriptions and Medical Bills with Marshall Allen All the Hacks 104 - Optimizing Your Insurance Policies (Auto, Home/Renters, Umbrella, Life, Disability, Pet, and Travel) All the Hacks 181 - Making an Easy $3k/mo from Online Deals with Kai Blueberry Pediatrics  in-kind - Restaurant Savings App Ownwell - Property Tax Reducer  Summer Health    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-590 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

BLACK FRIDAY 50% SALE: Join the 'Unlock God Mode' Experience –  A 30-Day Manifestation Course Unlock God Mode is a unique, 30-day course designed to elevate your reality creation skills and align you with your deepest desires. Join this tranformative audio course designed to help you connect deeply with life and achieve your goals with clarity and purpose.» Learn more at unlockgodmode.org «★ Follow the podcast for daily lectures from the mystic Neville Goddard ★ FREE RESOURCES:• Join the FREE Neville Goddard newsletter• Join the FREE Telegram Channel• Feeling is the Secret • Full Audiobook The James Xander Trip Podcast:• Listen on Spotify• Listen on Apple Podcasts• Listen on YouTubeDIVE DEEPER:• The Unlock God Mode Course• The Infinite Wealth Guided Meditation* * *ABOUT NEVILLE GODDARD:Neville Goddard (1905-1972), was an English writer, speaker and mystic. He grew up in Barbados and moved to the United States of America as a young adult. Neville Goddard was perhaps the last century's most intellectually substantive and charismatic purveyor of the philosophy generally called New Thought. He wrote more than ten books under the solitary pen name Neville, and was a popular speaker on metaphysical themes from the late 1930s until his death in 1972.Possessed of a self-educated and uncommonly sharp intellect, Neville espoused a spiritual vision that was bold and total: Everything you see and experience, including other people, is the result of your own thoughts and emotional states. Each of us dreams into existence an infinitude of realities and outcomes. When you realize this, Neville taught, you will discover yourself to be a slumbering branch of the Creator clothed in human form, and at the helm of limitless possibilities.Neville's thought system influenced a wide range of spiritual thinkers and writers, from bestselling author Dr. Joseph Murphy to Rhonda Byrne and Wayne Dyer.He has inspired and continues to inspire millions of readers around the world.* * *SOCIALS:• Neville Goddard Newsletter• Neville Goddard Telegram• Neville Goddard Instagram• Neville Goddard Threads• Neville Goddard Twitter• Neville Goddard YouTube* * *Want to increase the flow of money into your life? Start doing these 2 things today. * * *ABOUT THE COURSEUnlock God Mode is a transformative 30-day course designed to accelerate your journey towards greater wealth, love, and success through a deeper understanding and manipulation of your reality.  Comprising of 30 audio lessons, this course unfolds as a self-paced, introspective expedition into reality creation, aiding you in elevating your consciousness to what's referred to as the God Mode. Throughout this journey, practical tools will be provided daily to help enrich your life with more love, money, and success by altering your mental models and perceptions. This course combines theory and hands-on experience to create a unique deep dive into manifestation, consciousness, and reality creation. Join me on an extraordinary, 30-day adventure (1 lesson per day) and watch your reality transform. Begin the Unlock God Mode experience today »* * *Follow Neville Goddard on Telegram, Instagram, Threads, Twitter, and YouTube.★ Join the FREE Neville Goddard newsletter ★

BLACK FRIDAY 50% SALE: Join the 'Unlock God Mode' Experience –  A 30-Day Manifestation Course Unlock God Mode is a unique, 30-day course designed to elevate your reality creation skills and align you with your deepest desires. Join this tranformative audio course designed to help you connect deeply with life and achieve your goals with clarity and purpose.» Learn more at unlockgodmode.org «★ Get my free mushroom trip checklist at mushroomchecklist.com ★ LINKS• Listen to The James Xander Trip podcast• Join my free Telegram channel• Book a 1:1 Psychedelic Guidance Call• Join the Unlock God Mode ExperienceYOUTUBE:• YouTube channel @emperorjames• YouTube channel @jamesxandertripCOURSES & OFFERS:• 1:1 Guidance & Integration Call• Unlock God Mode: A Transformational CourseWant to increase the flow of money into your life? Start doing these 2 things today. LINKS• Listen to The James Xander Trip podcast• Book a 1:1 Psychedelic Guidance Call• Join the Unlock God Mode ExperienceYOUTUBE:• YouTube channel @emperorjames• YouTube channel @jamesxandertripCOURSES & OFFERS:• 1:1 Guidance & Integration Call• Unlock God Mode: A Transformational CourseBecome a Patreon supporter »RESOURCES:• The Mushroom Trip Checklist• The Mushroom Trip PlaylistPODCASTS:• The James Xander Trip podcast• The Microdose PodcastSPONSORS:• MagicMush.ca – Use the code JAMES for 25% off your next order ★ Support this podcast on Patreon ★

BLACK FRIDAY 50% SALE: Join the 'Unlock God Mode' Experience –  A 30-Day Manifestation Course Unlock God Mode is a unique, 30-day course designed to elevate your reality creation skills and align you with your deepest desires. Join this tranformative audio course designed to help you connect deeply with life and achieve your goals with clarity and purpose.» Learn more at unlockgodmode.org «★ Get my free mushroom trip checklist at mushroomchecklist.com ★LINKS• Listen to The James Xander Trip podcast• Join my free Telegram channel• Book a 1:1 Psychedelic Guidance Call• Join the Unlock God Mode ExperienceYOUTUBE:• YouTube channel @emperorjames• YouTube channel @jamesxandertripCOURSES & OFFERS:• 1:1 Guidance & Integration Call• Unlock God Mode: A Transformational CourseWant to increase the flow of money into your life? Start doing these 2 things today. LINKS• Listen to The James Xander Trip podcast• Book a 1:1 Psychedelic Guidance Call• Join the Unlock God Mode ExperienceYOUTUBE:• YouTube channel @emperorjames• YouTube channel @jamesxandertripCOURSES & OFFERS:• 1:1 Guidance & Integration Call• Unlock God Mode: A Transformational CourseBecome a Patreon supporter »RESOURCES:• The Mushroom Trip Checklist• The Mushroom Trip PlaylistPODCASTS:• The James Xander Trip podcast• The Microdose PodcastSPONSORS:• MagicMush.ca – Use the code JAMES for 25% off your next order ★ Support this podcast on Patreon ★

CYBER MONDAY 50% SALE: Join the 'Unlock God Mode' Experience –  A 30-Day Manifestation Course Unlock God Mode is a unique, 30-day course designed to elevate your reality creation skills and align you with your deepest desires. Join this tranformative audio course designed to help you connect deeply with life and achieve your goals with clarity and purpose.» Learn more at unlockgodmode.org «Want to increase the flow of money into your life? Start doing these 2 things today.

Do you wanna hear some good news? It is completely possible to eliminate money fights. A year from now, you could literally not have had a single money fight over the course of the next 12 months. It's possible, we've seen it, we've lived it, and today we're gonna be talking about our two favorite hacks to get you there as it relates to typical money stresses and how you can just entirely eliminate them.

Hey friend! Can you believe it? It's my one-year podcast anniversary! THANK YOU so much for all your support and listening to my episodes over the last year. In this episode, I am going over some pretty amazing milestones I never thought I would reach, as well as some fun and less common money hacks that help you move your finanial goals further, FASTER! And, as promised in the episode, here is a list of every country that has listened to the show over the past year. I am so grateful, and here's to many more! Algeria Argentina Armenia Australia Austria Barbados Belgium Bermuda Brazil Canada Chile China Colombia Costa Rica Croatia Czech Republic Denmark El Salvador Estonia Fiji Finland France Germany Gibraltar Greece Guam Guatemala Guernsey Hong Kong Hungary India Indonesia Iran Iraq Ireland Israel Italy Jamaica Japan Jersey Jordan Kazakhstan Kenya Kuwait Liberia Luxembourg Malaysia Malta Mexico Morocco Namibia Netherlands New Zealand Nigeria Norway Papua New Guinea Philippines Poland Portugal Puerto Rico Romania Russia Saudi Arabia Singapore Slovakia South Africa South Korea Spain Sweden Switzerland Taiwan Thailand Tunisia Turkey Uganda United Arab Emirates United Kingdom United States Uruguay Uzbekistan Vietnam Zambia Zimbabwe Blessings to your family, Mandy P.S. Join our awesome FREE Facebook community! https://www.facebook.com/groups/frugallivingforfamilies Become a Frugal Living for Families Insider! Sign up at: subscribepage.io/FrugalLivingforFamilies/ for more tips on saving money, getting out of debt, becoming a stay-at-home mom, living on a single income, first access to my offerings and more! Thank you for helping this show rank in the top 2% globally! I appreciate you so much!

It's that time of year where the lucky holiday makers who escaped Aussie winter for summer in the northern hemisphere are returning. Our FOMO is fading but the itch to start dreaming up a trip next year is upon us. So, how can you get the most bang for your buck on holidays? In this episode we go through 5 ways to save money on your trip and to maximise the travel budget. And there's a little surprise in store- our makeshift studio for this episode (Hint: It's thanks to Singapore Airlines)Download the Kris+ app today on the Apple AppStore or Google Play.—------Have an investing question?Leave us a voicemail or ask via our website and we'll answer it on the podcast.Join the conversation in the Facebook Discussion GroupWant more Equity Mates?Sign up to our email to keep up with business news Listen to our accompanying podcast Equity Mates Investing (Apple | Spotify)Watch Equity Mates on YouTubePick up our books: Get Started Investing and Don't Stress, Just InvestFollow us on social media: Instagram, TikTok, LinkedIn, Facebook, Twitter & even Threads—------In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today. —------Get Started Investing is a product of Equity Mates Media. This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697 Hosted on Acast. See acast.com/privacy for more information.

Our relationship with money? It's complicated. Some of us idolize it. Others feel guilty for having it. But God created wealth, so he wants us to build it, enjoy it, and give it away, while avoiding the dangers that come with it.

#103 Are travel credit cards a good idea? In this session of the Everyday Bucket List Podcast, Lee Huffman of BaldThoughts.com & The We Travel There Podcast sits down with me again. We chat about his top tips on maximizing travel rewards with credit cards. He suggests starting with a couple of cards offering good bonuses and perks, even with annual fees. Lee, with his extensive experience, advises beginners to focus on a few well-chosen cards. He also suggests using cashback and shopping portals to boost rewards. His strategy proves that smart credit card use can enhance travel without overspending. It can also lead to luxurious experiences that you might not do otherwise. In this episode, we cover:  Leveraging credit cards for travel rewards (including cards with annual fees versus no annual fee)                                                                        Flexible Travel Rewards to Simplify Planning Strategies for Balancing Costs and Benefits Take notes for this show, listen in, and see what's right for you.    CLICK THE LINKS BELOW OR CUT AND PASTE THEM INTO YOUR BROWSER: Shownotes: KarenCordaway.com/best-card-for-travel/ Connect with me: Website: https://KarenCordaway.com/best-card-for-travel/ Twitter (X): @KarenCordaway https://x.com/karencordaway Pinterest: @Everyday_Bucket_List https://www.pinterest.com/EverydayBucketList/ Tiktok: @Everyday_Bucket_List https://www.tiktok.com/@everyday_bucket_list   Listen to these episodes next:   Nashville, Tennessee: Things to Do & Hotel Recommendations w/ Lee Huffman - Episode 13 Tips on How to Travel w/ Dietary Restrictions w/ Chef Tina McDermott - Bonus Episode (between 77 and 78) Summer Bucket List: 15+ Fun Things to Do at Home or Closeby - Episode 100   Favorite resources for those looking to brainstorm their bucket list and make it happen:   Grab a copy of  The Everyday Bucket List Book https://amzn.to/3vwxz2K   Monthly Bucket List Goals PDF  https://buymeacoffee.com/edbl/e/165156    How to Travel for Free Using Miles & Points: 5 Simple Steps to Start Travel Hacking Ebook   Disclaimer: Some of the outbound links financially benefit the podcast through affiliate programs. Using our links is a small way to support the show at no additional cost. I only endorse products, programs, and services I use and would recommend to close friends and family. Thank you for the support!   Hello@KarenCordaway.com for brand partnerships and business inquiries.      

Send us a Text Message.Join us as we chat with Zach Oehlman, the real-life Willy Wonka of real estate, who transformed his humble beginnings into a real estate empire. Forget everything you know about passive income – Zach spills the tea on why real estate is actually hard work, but totally worth it.Discover how this small-town kid with a knack for numbers went from corporate cubicle to global jet-setter. Learn how to level up your financial game, crush your career goals, and build a life you love – all without sacrificing your sanity. We're talking practical tips, inspiring stories, and no BS advice on everything from budgeting to building your brand.Whether you're a broke college grad or a seasoned hustler, this episode is your roadmap to making your money work harder than you do.CONNECT WITH ZACH!https://www.instagram.com/indiana_oehlman/https://www.facebook.com/groups/reiforworkingprofessionalsThis episode is brought to you by Premier Ridge Capital.Sign Up for our Newsletter and get our FREE E-Book where you'll learn everything you need to know about creating financial freedom through multifamily syndication.Visit www.premierridgecapital.com now! Introducing the 60 Day Deal Finder!Visit: www.MartinREIMastery.comUse the Coupon Code: WEALTHYAFfor 20% off! This episode is brought to you by Premier Ridge Capital.Build Generational Wealth As A Passive Investor In Multifamily Real Estate Syndication!Visit www.premierridgecapital.com to find out more.Support the Show.

To join us for the Money MAY-ven Live Coaching Experience (free masterclass), go here: https://www.allieireeves.com/maymasterclass2024