Podcasts about money wisdom

“Young people are so carefree!”, but is it true? In this series ‘Snack for Thought', we dive into real conversations on the money and life issues young adults face, while keeping it light-hearted with a mukbang style, sharing the food gems around our office at Duxton Hill, giving listeners plenty to chew on.As trusted advisers to our affluent clients for over two decades, journeying with different generations, this series also gives parents and guardians insight into what their children or grandchildren (early 20s to 30s) may be experiencing. We explore the topics young adults care about, the challenges they face, and the concerns they discuss with peers. We hope these conversations help you understand them better and connect more meaningfully.In this podcast episode, Kate and Helen reflect on what it truly means to be successful over Dopa ice cream, just steps from our office. Since young, many of us have grown up with a fixed definition of success shaped by the expectations of those around us. For some, these expectations can become a source of pressure and even feel suffocating at times.But today, more young people are courageously redefining success on their own terms. Whether it is choosing to care for a farm, becoming a Pilates instructor, or pursuing a less conventional path, our generation is learning that success does not have to fit into a single mould.As the final episode of this series for the year, we hope these conversations encourage younger listeners to reflect on what truly matters most to them. And to the older generation, we hope this offers a glimpse into what your children may be navigating, helping foster deeper understanding and connection.Music courtesy of ItsWatR.The contributors of this episode are Kate Loo, Community & Events Executive, and Helen Tran, Senior Executive of Media Production, Group Brand Experience, at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Rate Our Podcast!

As trusted advisers to affluent clients for 25 years this year, our wealth management philosophy of making ikigai decisions before money decisions is grounded in real-world experience managing more than S$1.7 billion of our clients' hard-earned assets. In this week's Money Wisdom episode, we continue our ‘The Brain Behind' series, where our co-host and Associate Adviser, Sudhan, speaks with our CEO, Christopher, about his latest Business Times article, ‘The Retirement Advice That Worries Me Most Right Now'. In this conversation, Christopher encourages listeners to look beyond the high projected returns promised by instruments such as ILPs. Instead, he highlights the importance of knowing what is “enough”, so that you can build a retirement with greater certainty and peace of mind.To gain more perspective on today's conversation, you may begin by reading Christopher's Business Times article here.Music courtesy of ItsWatR.The host of this episode, Sudhan Purushothuman, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Get Our Money Wisdom II Book Today!Some long-time listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book. We're proud to announce that we have launched our second edition of the book titled Money Wisdom II: More Simple Truths for Financial Wellness. If you are interested in getting your very own copy, please check out the link here: https://providend.com/publications/#order-form

Welcome to the fourth episode of our miniseries Ikigai Insider, where we invite our Client Advisers to share what it means to live a good life, combining Ikigai with Providend's Philosophy of Sufficiency.Each episode explores one of the eight Ikigai petals identified by Mieko Kamiya, the mother of Ikigai Psychology, whose work has been revitalised by Nicolas Kemp, Founder of Ikigai Tribe. Our Client Advisers share personal reflections and the steps they take to fulfil each petal.In this podcast episode, Matthias, our Senior Client Adviser, reflects on the Ikigai petal of 'Bright Future' - representing a psychological need to believe that life is moving in a positive direction. He opens up about stepping out of his comfort zone and making the difficult decision to change jobs after spending more than a decade at his previous firm. While the transition came with uncertainty, he chose to hold on to optimism and trust in what the future could hold.Together with our host Aaron, he reflects on the story of a prisoner in a concentration camp and explores how the simple act of looking towards a better tomorrow, can give meaning to today.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially, with your Ikigai goals at the forefront of your wealth plan.Music courtesy of ItsWatR.The host of this episode, Aaron Loo, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Newsletter Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

Women are told to lean in, negotiate, and step up. And many do. But new research reveals that doing all the right things still isn't enough — and may actually work against them. On this episode of Women's Money Wisdom, Melissa Joy, CFP®, sits down with award-winning journalist and author Stefanie O'Connell to unpack the systemic forces that penalize women for their ambition, and what that means for their careers, their wealth, and their livesStefanie's book, The Ambition Penalty: How Corporate Culture Tells Women to Step Up and Then Pushes Them Down, draws on research across sociology, psychology, economics, and public health to dismantle the persistent myths used to explain away the gender pay gap. This is not a conversation about what women are doing wrong. It is a conversation about what the system is doing to them.What You'll Learn:Why the most commonly cited explanations for the gender pay gap — job choice, caregiving, and lack of negotiation — are not supported by the dataHow ambition itself is weaponized against women as they advance beyond entry-level rolesWhy elevating a single woman into leadership can actually make gender inequity worseHow the ambition penalty shows up in personal relationships, not just the workplaceWhat pay transparency and collective action can do that individual best practices alone cannotThe research-backed threshold at which women's representation in leadership begins to close pay and promotion gapsAbout Stefanie O'Connell:Stefanie O'Connell is an award-winning journalist and the author of The Ambition Penalty: How Corporate Culture Tells Women to Step Up and Then Pushes Them Down. Her work draws on interdisciplinary research to expose the structural forces behind gender inequity in pay, leadership, and power. She also writes the Too Ambitious newsletter.Website: tooambitious.comBook: ambitionpenalty.comNewsletter: Too Ambitious on SubstackInstagram: stefanieoconnellLinkedIn: Stefanie O'Connell on LinkedInThe previous presentation by PEARL PLANNING was intended for general information purposes only.  No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...

Legacy Insights is a new podcast series by Providend that explores what it truly takes to plan a meaningful and lasting legacy, beyond just writing a will, or engaging with a corporate trustee.This series explores the critical collaboration between wealth advisers and legal professionals in safeguarding your family's future. Joined by lawyers Cynthia Tang of Tang Thomas and Soo Chye from OAKS Legal, each episode shares real-life stories showing how thoughtful planning can protect your family and make a meaningful difference, offering practical insights for your own legacy journey.In this episode, our CEO, Christopher and Soo Chye discuss a deeply personal but often overlooked aspect of legacy planning, how giving can shape family values and leave a legacy beyond wealth. Drawing from decades of experience working with families, Soo Chye reflects on why philanthropy is not reserved only for the wealthy, and how everyday acts of generosity can influence relationships and perspectives across generations.He also shares memorable stories from his practice, including how small, unexpected acts of kindness can carry more meaning than large financial gifts, and how families have been changed simply by being involved in giving together rather than treating it as a private transaction.In managing over S$1.7 billion of our clients' hard-earned assets, Providend believes legacy planning goes beyond wealth plans or legal documents. It starts with clarity over your non-negotiable ikigai goals, assets, family circumstances, and long-term intentions. If you have ever wondered what kind of values, purpose, and example you hope to leave behind for the next generation, you do not want to miss this episode.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!Download our Investment eBook titled “A More Reliable Way to Get Enough Investment Returns: Even During Times of Market Uncertainty” here: https://providend.com/publications/#investment

"Young people are so carefree!”, but is it true? In this series ‘Snack for Thought', we dive into real conversations on the money and life issues young adults face, while keeping it light-hearted with a mukbang style, sharing the food gems around our office at Duxton Hill, giving listeners plenty to chew on.As trusted advisers to our affluent clients for over two decades, journeying with different generations, this series also gives parents and guardians insight into what their children or grandchildren (early 20s to 30s) may be experiencing. We explore the topics young adults care about, the challenges they face, and the concerns they discuss with peers. We hope these conversations help you understand them better and connect more meaningfully.In this podcast episode, Kate and Helen share their perspectives on finances in relationships over Ton Coffee near our office. Money is thread that's woven into every aspect of life and in a relationship, and there is no avoiding the conversation.From first dates to major life decisions, they explore why being open and intentional about finances with your partner matters more than most people realise. Honest conversations today can help build stronger trust, alignment, and confidence for the future together.Music courtesy of ItsWatR.The contributors of this episode are Kate Loo, Community & Events Executive, and Helen Tran, Senior Executive of Media Production, Group Brand Experience, at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Newsletter Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

In managing in excess of S$1 billion worth of our clients' assets, we know what works and what will not work when it comes to the reliability and sufficiency of investment returns.To share our insights, we are pleased to introduce our "Investment 101" video series featuring Dr Peng Chen, Senior Advisor & Director at Providend. In this series, Isaac Ong, our Client Adviser, discusses essential investing concepts with Dr Peng, to provide you with a better understanding of the financial markets as you embark on or continue your investment journey.In this episode, Dr. Peng and Isaac discuss the reasons why people still invest in gold, and if there are benefits as compared to investing in equities and bonds. They also discuss the downsides, and if gold has a place in your investment portfolio or if should you avoid it altogether, as a Singaporean-based investor. Watch all five "Investment 101" videos here.When investing for non-negotiable life events such as retirement, we need to use an approach that offers the highest probability of success. Learn about our CEO and Founder, Christopher Tan's views on investing in cryptocurrency here.Learn more by reading our investment eBook titled "A More Reliable Way to Get Enough Investment Returns: Even During Times of Market Uncertainty".With a minefield of financial misinformation out there, we promise to be a safe pair of hands and a second pair of eyes to help you avoid costly financial mistakes. You can reach out to us here for sound advice tailored to your unique situation.Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Legacy Insights is a new podcast series by Providend that explores what it truly takes to plan a meaningful and lasting legacy, beyond just writing a will, or engaging with a corporate trustee.This series explores the critical collaboration between wealth advisers and legal professionals in safeguarding your family's future. Joined by lawyers Cynthia Tang of Tang Thomas and Soo Chye from OAKS Legal, each episode shares real-life stories showing how thoughtful planning can protect your family and make a meaningful difference, offering practical insights for your own legacy journey.In this episode, Cynthia and Yong Cheng unpack the role of a Letter of Wishes, a powerful, though non-legally binding, document that guides your executor in carrying out your legacy plan with clarity and care.They also discuss why a Letter of Wishes goes beyond instructions, serving as a deeply personal message to your loved ones. At Providend, we encourage clients to write this in their most authentic voice. From expressing intentions to sharing values and hopes, it allows you to communicate what truly matters and add meaning to the wealth you leave behind.In managing over S$1.7 billion of our clients' hard-earned assets, Providend believes legacy planning goes beyond legal structures and documentation. It is about bringing clarity to what matters most, and ensuring your true intentions are understood, and not just recorded in a will that is filled with legal jargon.Music courtesy of ItsWatR.The host of this episode, Loh Yong Cheng, is the Deputy Head of Advisory at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

As AI tools like ChatGPT are increasingly capable, many have asked: Could AI truly replace a human wealth adviser? Being trusted advisers to our affluent clients for over two decades, this Providend series began with an article by our Client Advisers on clients navigating major life transitions. The podcast goes further, exploring the thoughts behind these transitions.In this podcast episode, Joyce and our host, Isaac, unpack the emotional rollercoaster of an unexpected job loss through the case of Samantha, 38, a senior project manager made redundant after a company downsizing. They discuss how losing an income can feel like losing a sense of identity. The conversation also dives into the pressure to accept any job offer, even when it doesn't align with one's ikigai or deeper purpose.Joyce highlights that ChatGPT might not actually know you as well as you think it does.To better understand the discussion, you may start by reading Joyce's article here: Can AI Replace a Human Adviser During Job Loss or Retrenchment?Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Get Our Money Wisdom II Book Today!Some long-time listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book. We're proud to announce that we have launched our second edition of the book titled Money Wisdom II: More Simple Truths for Financial Wellness. If you are interested in getting your very own copy, please check out the link here: https://providend.com/publications/#order-form

“Young people are so carefree!”, but is it true? In this series ‘Snack for Thought', we dive into real conversations on the money and life issues young adults face, while keeping it light-hearted with a mukbang style, sharing the food gems around our office at Duxton Hill, giving listeners plenty to chew on.As trusted advisers to our affluent clients for over two decades, journeying with different generations, this series also gives parents and guardians insight into what their children or grandchildren (early 20s to 30s) may be experiencing. We explore the topics young adults care about, the challenges they face, and the concerns they discuss with peers. We hope these conversations help you understand them better and connect more meaningfully.In this episode, Kate and Helen discuss the Gen Z phenomenon of job hopping while enjoying Tsujiri matcha from nearby our office! They explain what counts as a job hop, usually staying in a role for less than a year or sometimes up to two, and why it is so common. From chasing higher salary increments to building a LinkedIn profile or learning new skills, they explore the practical reasons behind frequent moves.They also cover the challenges. Job hopping can be mentally draining, make it harder to connect with colleagues, and turn work into a daily grind. While leaving a toxic environment is valid, repeated moves can label someone as a “job hopper” and raise red flags for hiring managers. Tune in to hear their candid thoughts on balancing career growth, purpose, and professional reputation.Also tune in to the episode they'd mentioned in this episode on 'Is 100k by 30 achievable?' here.Music courtesy of ItsWatR.The contributors of this episode are Kate Loo, Community & Events Executive, and Helen Tran, Senior Executive of Media Production, Group Brand Experience, at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Rate Our Podcast!

Welcome to the third episode of our miniseries Ikigai Insider, where we invite our Client Advisers to share what it means to live a good life, combining Ikigai with Providend's Philosophy of Sufficiency.Each episode explores one of the eight Ikigai petals identified by Mieko Kamiya, the mother of Ikigai Psychology, whose work has been revitalised by Nicolas Kemp, Founder of Ikigai Tribe. Our Client Advisers share personal reflections and the steps they take to fulfil each petal.In this episode, Jia Ling, our Client Adviser, reflects on the Ikigai petal of Resonance (Ibasho), sharing her journey across Malaysia, Singapore, Qatar, and back to Singapore, including the unique experience of joining Providend three times over.For Jia Ling, nurturing her community, whether through friendship, shared spaces, or even cooking for others, has become a meaningful part of her Ikigai. This episode is a great reminder to identify the people and places where you feel most comfortable, and why creating that same safe space for clients matters so deeply to us at Providend.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially, with your Ikigai goals at the forefront of your wealth plan.Music courtesy of ItsWatR.The host of this episode, Aaron Loo, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Register for Our Webinar Today!In a world of AI disruption and geopolitical tension, market noise can feel overwhelming. You might feel that markets are unpredictable—but your future doesn't have to be. Join us for Providend's upcoming webinar to gain clarity and confidence in navigating the uncertainty of the markets to achieve your most important life goals with the highest probability of success. Click the registration link in the description below and we'll see you at the webinar: https://events.zoom.us/ev/AqrT7eB32M8yCfcP0VlAuVzZfSJH2J1E3DoxxHt1EJpI8uM3iY__~AvXgrKNi1GulUgJk_xOQJmxMR0vy8E2wtDLR7_be6oGTR0K91QZnOmsHEADownload Investment eBook Today!Download our Investment eBook titled “A More Reliable Way to Get Enough Investment Returns: Even During Times of Market Uncertainty” here: https://providend.com/publications/#investment

As trusted advisers to affluent clients for 25 years this year, our wealth management philosophy of making ikigai decisions before money decisions is grounded in real-world experience managing more than S$1.7 billion of our clients' hard-earned assets.In this week's Money Wisdom episode, we continue our ‘The Brain Behind' series, where our co-host and Associate Adviser, Sudhan, speaks with our CEO, Christopher, about his latest Business Times article, 'Before You Rush Into LRIS, Understand How CPF Really Works.'In this conversation, Christopher unpacks the thinking behind the upcoming Lifetime Retirement Investment Scheme (LRIS) and why, despite its good intentions, implementation may not be as straightforward as it seems. They also explore an important question: should everyone invest their CPF at all? In a world increasingly focused on optimisation, this episode offers an important reminder that good intentions do not always lead to good outcomes.For listeners who realise they may need to first strengthen the 3Cs of financial security, particularly Coverage Management, our sister company, Havend, provides a safe space to seek insurance advice without any pressure selling.To gain more perspective on today's conversation, you may begin by reading Christopher's Business Times article here.Music courtesy of ItsWatR.The host of this episode, Sudhan Purushothuman, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Newsletter Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

After discovering a community of 470,000 single parents, one expert realized something surprising: no one was teaching the practical side of doing it alone.In this episode of The Agent of Wealth Podcast, host Marc Bautis is joined by Pat Hankin, business professional, parenting expert, and author of The Field Guide for Single Parents — a practical, no-fluff resource designed to help solo parents navigate the real-world challenges of money, time, and support systems.In this episode, you will learn:Why time and money are deeply connected — and how understanding the value of your time can transform your financial decisions.How to build a “composite partner” by creating systems and support networks that replace what a second adult might typically provide.The financial realities of separation, including why expenses don't simply get cut in half — and how to adjust your mindset accordingly.Practical tools and strategies to reduce overwhelm, track your responsibilities, and regain a sense of control and agency.And more!Tune in for a candid, empowering conversation on navigating single parenthood with confidence, letting go of perfection, and recognizing the strength and skills you already have.Resources:Episode Transcript & Blog | pathankin.com | The Field Guide for Single Parents | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory CallWant to be a guest on The Agent of Wealth? Send Marc Bautis a message on PodMatch, here: https://tinyurl.com/mt4z6ywc

Legacy Insights is a new podcast series by Providend that explores what it truly takes to plan a meaningful and lasting legacy, beyond just writing a will, or engaging with a corporate trustee.This series explores the critical collaboration between wealth advisers and legal professionals in safeguarding your family's future. Joined by lawyers Cynthia Tang of Tang Thomas and Soo Chye from OAKS Legal, each episode shares real-life stories showing how thoughtful planning can protect your family and make a meaningful difference, offering practical insights for your own legacy journey.In this episode, our CEO, Christopher and Soo Chye discuss a critical but often overlooked aspect of legacy planning, preparing the next generation to steward the wealth they will one day inherit. Drawing from nearly four decades of legal experience, Soo Chye shares why assumptions about children being “not ready” can become self-fulfilling, and how these beliefs may quietly undermine succession outcomes.From defining what stewardship truly means to passing down values through intentional actions such as philanthropy, this episode examines how families can move beyond paperwork to build alignment and purpose across generations.In managing over S$1.7 billion of our clients' hard-earned assets, Providend believes legacy planning goes beyond wealth plans or legal documents. It starts with clarity over your non-negotiable ikigai goals, assets, family circumstances, and long-term intentions. If you have ever wondered whether your legacy will endure beyond structures and into the hands of the next generation, you do not want to miss this episode.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend Ltd, Southeast Asia's first fee-only comprehensive wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness“. He is also a Certified Ikigai Tribe Coach.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Having gone through multiple market crises together with our clients since 2001, we know what works and what will not work when it comes to the reliability and sufficiency of investment returns.To share our insights, we are pleased to introduce our "Investment 101" video series featuring Dr Peng Chen, Senior Advisor & Director at Providend. In this series, Isaac Ong, our Client Adviser, discusses essential investing concepts with Dr Peng, to provide you with a better understanding of the financial markets as you embark on or continue your investment journey.In this episode, Dr. Peng and Isaac talk about the role of bonds in your investment portfolio, the difference between government and corporate bonds, which type might be more suitable for you, and how much of your portfolio should be allocated to bonds.Watch all five "Investment 101" videos here.At Providend, we are passive in areas where evidence shows us that it is better to be passive and active in areas where we cannot afford to be passive. This philosophy is born out of our experiences managing money through many crises. Learn why it is important to first establish how much is enough returns for you instead of blindly chasing after returns.Learn more by reading our investment eBook titled "A More Reliable Way to Get Enough Investment Returns: Even During Times of Market Uncertainty".With a minefield of financial misinformation out there, we promise to be a safe pair of hands and a second pair of eyes to help you avoid costly financial mistakes. You can reach out to us here for sound advice tailored to your unique situation.Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

"Young people are so carefree!”, but is it true? In this series ‘Snack for Thought', we dive into real conversations on the money and life issues young adults face, while keeping it light-hearted with a mukbang style, sharing the food gems around our office at Duxton Hill, giving listeners plenty to chew on.As trusted advisers to our affluent clients for over two decades, journeying with different generations, this series also gives parents and guardians insight into what their children or grandchildren (early 20s to 30s) may be experiencing. We explore the topics young adults care about, the challenges they face, and the concerns they discuss with peers. We hope these conversations help you understand them better and connect more meaningfully.In this episode, Kate and Helen explore the Gen Z perspective on renting versus buying property in Singapore, while enjoying orange chocolate cookies and a strawberry lemon crumble from a cosy coffee shop just two minutes from our office. They discuss how the decision often comes down to priorities: some want a “nest egg” and the freedom to have pets, while others see buying a home as a bigger commitment than marriage itself.Kate and Helen also share real-life experiences navigating Singapore's rental and property market, from rental spikes during COVID-19 to weighing proximity to work against costs. Tune in to hear their candid thoughts and stories, and discover insights that could help you make your own confident housing choice!Music courtesy of ItsWatR.The contributors of this episode are Kate Loo, Community & Events Executive, and Helen Tran, Senior Executive of Media Production, Group Brand Experience, at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Rate Our Podcast!

Send a textWhat changes when women decide what “enough” really looks like?On this episode of The Get Ready Before Life Happens Podcast, Tony spoke with Melissa Joy, CFP®, President of Pearl Planning and host of the Women's Money Wisdom podcast, to explore how defining “enough” can change the way women think about money. The conversation dives into why women are capable, confident decision-makers and how judgment-free financial conversations create trustKey Takeaways:

Welcome to the second episode of our miniseries Ikigai Insider, where we invite our Client Advisers to share what it means to live a good life, combining Ikigai with Providend's Philosophy of Sufficiency.Each episode explores one of the eight Ikigai petals identified by Mieko Kamiya, the mother of Ikigai Psychology, whose work has been revitalised by Nicolas Kemp, Founder of Ikigai Tribe. Our Client Advisers share personal reflections and the steps they take to fulfil each petal.In this episode, Ray, our Client Adviser reflects on the Ikigai petal of Change and Growth, sharing his journey from working in his family's business to finding his place at Providend over the past five years.Leaving a familiar path was daunting. He wondered, “Would anyone hire a 37-year-old?” Focusing on who he did not want to be, as much as who he wanted to become, helped him take the leap.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan.Music courtesy of ItsWatR.The host of this episode, Aaron Loo, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

Legacy Insights is a new podcast series by Providend that explores what it truly takes to plan a meaningful and lasting legacy, beyond just writing a will, or engaging with a corporate trustee.This series explores the critical collaboration between wealth advisers and legal professionals in safeguarding your family's future. Joined by lawyers Cynthia Tang of Tang Thomas and Soo Chye from OAKS Legal, each episode shares real-life stories showing how thoughtful planning can protect your family and make a meaningful difference, offering practical insights for your own legacy journey.In this episode, Cynthia and Yong Cheng discuss the three often-overlooked risks that can quietly derail legacy plans, such as divorce and bankruptcy, and whether the next generation is truly ready to steward the wealth they will receive. We examine what can happen when inheritance becomes part of matrimonial assets and why financial readiness cannot be solved by legal documents alone.They also discuss another hidden gap many families miss, the role of the executor and whether loved ones are equipped for such responsibility. From considering professional executors to the importance of open family communication, this episode shows why legacy planning is about people and preparation, and not just paperwork.In managing over S$1.7 billion of our clients' hard-earned assets, Providend believes legacy planning goes beyond wealth plans or legal documents. It starts with clarity over your non-negotiable ikigai goals, assets, family circumstances, and long-term intentions. If you have ever wondered what could go wrong after your wealth is passed on, this is a thoughtful place to begin.Music courtesy of ItsWatR.The host of this episode, Loh Yong Cheng, is the Deputy Head of Advisory at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Newsletter Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

As AI tools like ChatGPT are increasingly capable of analysing financial data, generating reports, and answering complex questions in seconds, many have asked: could AI truly replace a human wealth adviser?Being trusted advisers to our affluent clients for over two decades, this Providend series began with an article by our Client Advisers on clients navigating major life transitions. The podcast goes further, exploring the thoughts behind these transitions.In this podcast episode, Chin Yu and our host, Isaac, explore the challenges of managing a significant inheritance through the case of Nicholas, 35, a regional marketing manager who recently received $3 million following his father's passing. They discuss how inheritance often comes with emotional overload, feelings of guilt, and the pressure to make the “right” financial choices, especially while still grieving and managing the estate.Chin Yu highlights the role of AI tools like ChatGPT, which can provide fast, structured guidance, but stresses that thoughtful wealth planning requires deeper reflection on what a meaningful life, filled with Ikigai-driven decisions, would look like.To better understand the discussion, you may start by reading Chin Yu's article here: Can AI Replace a Human Adviser in Inheritance Planning?Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!TBC

Young people are so carefree!”, but is it true? In this series ‘Snack for Thought', we dive into real conversations on the money and life issues young adults face, while keeping it light-hearted with a mukbang style, sharing the food gems around our office at Duxton Hill, giving listeners plenty to chew on.As trusted advisers to our affluent clients for over two decades, journeying with different generations, this series also gives parents and guardians insight into what their children or grandchildren (early 20s to 30s) may be experiencing. We explore the topics young adults care about, the challenges they face, and the concerns they discuss with peers. We hope these conversations help you understand them better and connect more meaningfully.In this second episode, Kate and Helen explore the “comparison trap” while enjoying Elijah pies, just a five-minute walk from our office. They discuss how constantly measuring yourself against others, whether it is body image, achievements, or life milestones, can lead to feelings of inadequacy, envy, and anxiety, especially for those in their 20s navigating social media pressures.From holiday weight comments to scrolling through seemingly effortless athletes online, Kate and Helen examine how comparison can push us towards unrealistic standards. They reflect on why knowing what you truly want, appreciating what you already have, and finding contentment in your own journey is key, reminding listeners that sometimes a slice of pie is enough and you do not need the whole cake (those calories!).Music courtesy of ItsWatR.The contributors of this episode are Kate Loo, Community & Events Executive, and Helen Tran, Senior Executive of Media Production, Group Brand Experience, at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Rate Our Podcast!

What happens when a world-changing technology attracts trillions of dollars in investment and how do you avoid being on the wrong side of the boom?On this episode of the Women's Money Wisdom podcast, Melissa Joy is joined by Kai Wu, founder and chief investment officer of Sparkline Capital, for a thoughtful, data-driven conversation about AI and its real investment implications.Rather than focusing on hype or fear, this discussion centers on capital allocation, specifically what happens when massive amounts of money pour into infrastructure. Using historical parallels like the railroads and the dot-com telecom buildout, Melissa and Kai explore why transformative technologies don't always translate into transformative returns for the companies building the underlying systems.You'll hear what “CapEx” actually means, why AI requires unprecedented spending on chips and data centers, and how today's market concentration around the largest tech companies creates both opportunity and risk. This episode is especially helpful if you've benefited from recent market gains but are wondering about concentration risk, diversification, or how to think more strategically about AI exposure in your portfolio.In this conversation, you'll learn:Why a transformative technology does not automatically mean a great investmentWhat capital expenditures (CapEx) are and why AI infrastructure is so expensiveHow past technology booms rewarded users more than infrastructure buildersWhy highly capital-intensive companies often underperform over timeHow S&P 500 concentration may create hidden portfolio riskWhat “AI early adopters” are and why they may offer overlooked opportunityHow to think about diversification without abandoning innovationWhether you're managing significant wealth or simply trying to make smarter long-term decisions, this episode offers practical insight to help you think clearly — without hype, panic, or binary thinking.Follow Kai and read his research: https://sparklinecapital.comX: https://x.com/ckaiwuLinkedIn: https://www.linkedin.com/in/ckaiwu/The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

In managing in excess of S$1 billion worth of our clients' assets, we know what works and what will not work when it comes to the reliability and sufficiency of investment returns.To share our insights, we are pleased to introduce our "Investment 101" video series featuring Dr Peng Chen, Senior Advisor & Director at Providend. In this series, Isaac Ong, our Client Adviser, discusses essential investing concepts with Dr Peng to provide you with a better understanding of the financial markets as you embark on or continue your investment journey.In this episode, Dr. Peng and Isaac discuss what it means to invest in equities and why it is one of the most common ways to accumulate wealth. They cover common mistakes people make when investing in equities and highlight the importance of having a globally diversified portfolio.Watch all five "Investment 101" videos here.When investing for non-negotiable life events such as retirement, we need to use an approach that offers the highest probability of success. Read this article to find out why simply investing in a single index like the S&P 500 index is not the silver bullet.Learn more by reading our investment eBook titled "A More Reliable Way to Get Enough Investment Returns: Even During Times of Market Uncertainty".With a minefield of financial misinformation out there, we promise to be a safe pair of hands and a second pair of eyes to help you avoid costly financial mistakes. You can reach out to us here for sound advice tailored to your unique situation.Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

On this episode of the Women's Money Wisdom podcast, Melissa Joy is joined by Michelle Taylor, founder of Women in Wealth, for a practical, honest conversation about what actually creates long-term financial stability for women.Rather than focusing on fear or restriction, this discussion centers on habits — the everyday behaviors that help women build confidence, resilience, and freedom with money over time. Together, Melissa and Michelle break down the six core habits they see consistently among women who feel financially secure and in control, regardless of income level.You'll hear why tracking your money builds confidence (not stress), how “paying yourself first” creates momentum, and why investing — even in small amounts — is non-negotiable. The conversation also reframes budgeting as a flexible spending plan, explores how to set financial goals that actually align with your values, and explains why regular “money dates” can transform how you relate to your finances.This episode is especially helpful if you've ever felt successful in life but uncertain about money, struggled with confidence around financial decisions, or wanted a healthier, more empowering approach to building wealth.In this conversation, you'll learn:Why awareness is the foundation of financial confidenceHow paying yourself first prevents burnout and financial guiltThe difference between restrictive budgets and flexible spending plansWhy investing early matters more than investing perfectlyHow to set financial goals that reflect your version of successSimple ways to build accountability through regular money check-insWhether you're just getting started or refining your financial habits, this episode offers practical guidance you can use immediately — without shame, overwhelm, or unrealistic expectations.Follow Michelle: https://www.instagram.com/women_in_wealth/The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

As trusted advisers to affluent clients for 25 years this year, our wealth management philosophy of making ikigai decisions before money decisions is grounded in real-world experience managing more than S$1.7 billion of our clients' hard-earned assets.In this week's Money Wisdom episode, we continue our 'The Brain Behind' series, where our new co-host and Associate Adviser, Sudhan, speaks with our CEO, Christopher, about his latest Business Times article, 'Thriving in a Messy World: Why the Philosophy of Sufficiency Matters More Than Ever.'In this conversation, Christopher explains why the Philosophy of Sufficiency is even more relevant in today's world of constant comparison and noise. They discuss conventional definitions of success, from the old “5Cs” mindset to modern ideas of wealth accumulation and defining success on one's own terms.In an uncertain world, this conversation challenges how we think about sufficiency, contentment, ambition, and what truly matters in wealth planning, including the quiet balance between chasing maximum returns and sleeping peacefully at night.To gain more perspective on today's conversation, you may begin by reading Christopher's Business Times article here: https://providend.com/thriving-in-a-messy-world-philosophy-of-sufficiency/If you would like an honest second opinion on your current investment portfolio and wealth plan, make an appointment with us today. There will be no fees charged at the first meeting: https://providend.com/our-clients/service-enquiry-form/Music courtesy of ItsWatR.The host of this episode, Sudhan Purushothuman, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!TBC

Legacy Insights is a new podcast series by Providend that explores what it truly takes to plan a meaningful and lasting legacy, beyond just writing a will, or engaging with a corporate trustee.This series explores the critical collaboration between wealth advisers and legal professionals in safeguarding your family's future. Joined by lawyers Cynthia Tang of Tang Thomas and Soo Chye from OAKS Legal, each episode shares real-life stories showing how thoughtful planning can protect your family and make a meaningful difference, offering practical insights for your own legacy journey.In this first episode, we welcome Cynthia for an insightful conversation on why legacy planning works best when a lawyer and a trusted wealth adviser work hand in hand. They explore why a clear Schedule of Assets is essential, how co-owned properties and insurance nominations can complicate distribution, and why a will is only one piece of a much bigger legacy puzzle.In managing over S$1.7 billion of our clients' hard-earned assets, Providend believes legacy planning goes beyond wealth plans or legal documents. It starts with clarity over your non-negotiable ikigai goals, assets, family circumstances, and long-term intentions. Without this full picture, even a well-drafted will can leave gaps or place unnecessary strain on those you care about most.If you have ever wondered whether a will alone is enough, this conversation is a bite-sized place to begin.Music courtesy of ItsWatR.The host of this episode, Loh Yong Cheng, is the Deputy Head of Advisory at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Get Our Money Wisdom II Book Today!Some long-time listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book. We're proud to announce that we have launched our second edition of the book titled Money Wisdom II: More Simple Truths for Financial Wellness. If you are interested in getting your very own copy, please check out the link here: https://providend.com/publications/#order-form

Employer retirement plans can be one of the most powerful wealth-building tools available, yet they are also among the most confusing. In this episode of the Women's Money Wisdom podcast, Melissa Joy, CFP®, breaks down how to make the most of your workplace retirement benefits in 2026.Melissa walks through the key retirement plans many employees have access to, including 401(k), 403(b), and 457 plans, and explains why 2026 is a pivotal year for retirement planning. With multiple legislative changes now in effect, including SECURE Act 1 and 2 and new tax rules impacting catch-up contributions, understanding your options has never been more important, especially for high earners.This episode covers updated contribution limits, new catch-up contribution rules for those over age 50, and the temporary super catch-up opportunity for individuals ages 60 to 63. Melissa also explains the new Roth mandate for high earners, what it means for your tax strategy, and how it may change the way you approach retirement savings going forward.Beyond contribution limits, Melissa explores advanced planning opportunities such as after-tax contributions, mega backdoor Roth strategies, and how different employer plan designs can dramatically affect how much you are able to save. She also highlights commonly overlooked strategies for dual-income households, spousal IRAs, and the growing role of Health Savings Accounts as an extension of retirement planning.If retirement planning feels overwhelming, this episode offers clarity, structure, and actionable guidance to help you confidently use your employer benefits to support your long-term goals.Key topics discussed include:2026 retirement contribution limits and what's changedCatch-up and super catch-up contribution rulesThe new Roth requirement for high earners over age 50Coordinating retirement savings for couplesUsing HSAs as a long-term retirement strategyMega backdoor Roth opportunities and plan design considerationsCommon mistakes that can reduce employer matchingFor personalized guidance, Melissa encourages listeners to review their options with a financial planner to ensure their retirement strategy aligns with both current tax laws and long-term goals.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

“Young people are so carefree!”, but is it true? In this series 'Snack for Thought', we dive into real conversations on the money and life issues young adults face, while keeping it light-hearted with a mukbang style, sharing the food gems around our office at Duxton Hill, giving listeners plenty to chew on.As trusted advisers to our affluent clients for over two decades, journeying with different generations, this series also gives parents and guardians insight into what their children or grandchildren (early 20s to 30s) may be experiencing. We explore the topics young adults care about, the challenges they face, and the concerns they discuss with peers. We hope these conversations help you understand them better and connect more meaningfully.In this first episode, Kate and Helen nibble on the idea of reaching $100k by 30 while enjoying treats from Equate Coffee at Tanjong Pagar Plaza. They explore the savings and choices needed to hit this milestone, while considering how to balance it with living life and spending on what matters. Kate shares her personal journey, and Helen reflects on her own milestones, sparking a discussion on whether 100k by 30 should be viewed as a realistic benchmark?Music courtesy of ItsWatR.The contributors of this episode are Kate Loo, Community & Events Executive, and Helen Tran, Senior Executive of Media Production, Group Brand Experience, at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

 What if everything you've been taught about money is backwards? What if instead of you chasing money, figuring out money, strategizing about money, trying to crack the code of money from the outside. You simply asked money itself? What if money could speak? What if it had preferences? What if it knew exactly why it flows toward some people and away from others, and was willing to share that information directly with anyone who actually listened? This might sound strange at first. Money as conscious. Money as aware. Money as something that can communicate. Because every ancient culture understood that everything carries consciousness. Everything. The rivers, the stones, the wind, the fire—and yes, the mediums of exchange that humans created to represent value and energy. Money isn't just paper and metal and numbers on a screen. Money is crystallized human attention. Concentrated life force. Stored intention that billions of people have poured their energy into for thousands of years. Anything that receives that much human consciousness... becomes conscious itself. And today, we're going to open a channel. We're going to let money speak. We're going to receive a download directly from the source.  

Want the 4 money rules that changed Shaan's life? Get it here: https://clickhubspot.com/ugd Episode 787:  Sam Parr ( ⁠https://x.com/theSamParr⁠ ) and Shaan Puri ( ⁠https://x.com/ShaanVP⁠ ) talk to Morgan Housel ( https://x.com/morganhousel ) about the art of spending money.  Show Notes: (0:00) Intro (10:01) Don't cut your flowers (15:38) the 2 ways to use money (19:07) The freedom number (23:49) Koch brothers story (27:41) Performing for others (33:38) The Total Man list (41:59) the art of spending money (49:42) 10 years of money wisdom in 60 seconds — Links: • Morgan Housel books - https://www.morganhousel.com/  — Check Out Shaan's Stuff: • Shaan's weekly email - https://www.shaanpuri.com  • Visit https://www.somewhere.com/mfm to hire worldwide talent like Shaan and get $500 off for being an MFM listener. Hire developers, assistants, marketing pros, sales teams and more for 80% less than US equivalents. • Mercury - Need a bank for your company? Go check out Mercury (mercury.com). Shaan uses it for all of his companies! Mercury is a financial technology company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column, N.A., and Evolve Bank & Trust, Members FDIC • I run all my newsletters on Beehiiv and you should too + we're giving away $10k to our favorite newsletter, check it out: beehiiv.com/mfm-challenge — Check Out Sam's Stuff: • Hampton - https://www.joinhampton.com/ • Ideation Bootcamp - https://www.ideationbootcamp.co/ • Copy That - https://copythat.com • Hampton Wealth Survey - https://joinhampton.com/wealth • Sam's List - http://samslist.co/ My First Million is a HubSpot Original Podcast // Brought to you by HubSpot Media // Production by Arie Desormeaux // Editing by Ezra Bakker Trupiano

Teaching Money's Past to Shape Tomorrow's Sovereignty! $ BTC 93,000 Block height 932,918 Today's guest on the show is Dr. Deanna Heikkinen, an educator, curriculum designer, author, and founder of The Money Wisdom Project. Deanna holds a Doctorate in Education and dual master's degrees in History and Anthropology, bringing a rare interdisciplinary perspective to financial literacy and Bitcoin education! Why is Deanna leaving El Salvador to return to the USA to launch her latest project? Key Topics: Bitcoin education for children The Money Wisdom Project Homeschooling and alternative education The history of money and central banking The American education system and indoctrination Connect with Deanna on X - @dinparis2012 Follow the Money Wisdom Project on X - @MoneyWisdomProj Learn more about the Money Wisdom Project here: https://moneywisdomproject.org/ Deanna's books: https://www.amazon.co.uk/stores/Deanna-Heikkinen/author/B0FK7274LT?ref=ap_rdr&shoppingPortalEnabled=true Check out my book ‘Choose Life' - https://bitcoinbook.shop/search?q=prince Pleb Service Announcements: Join 19 thousand Bitcoiners on @cluborange https://signup.cluborange.org/co/princey Support the pod via @fountain_app -https://fountain.fm/show/2oJTnUm5VKs3xmSVdf5n CONFERENCES: BTC PRAGUE - 11th - 13th June 2026 http://btcprg.me/BITTEN - Use code BITTEN for - 10% Shills and Mench's: RELAI - STACK SATS - www.relai.me/Bitten Use Code BITTEN BITBOX - SELF CUSTODY YOUR BITCOIN - www.bitbox.swiss/bitten Use Code BITTEN PAY WITH FLASH. Accept Bitcoin on your website or platform with no-code and low-code integrations. https://paywithflash.com/ SWAN BITCOIN - www.swan.com/bitten GEYSER - fund bitcoin projects you love - https://geyser.fund/ PLEBEIAN MARKET - BUY AND SELL STUFF FOR SATS; https://plebeian.market/ @PlebeianMarket ZAPRITE - https://zaprite.com/bitten - Invoicing and accounting for Bitcoiners - Save $40 KONSENSUS NETWORK - Buy bitcoin books in different languages. Use code BITTEN for 10% discount - https://bitcoinbook.shop?ref=bitten SEEDOR STEEL PLATE BACK-UP - @seedor_io use the code BITTEN for a 5% discount. www.seedor.io/BITTEN SATSBACK - Shop online and earn back sats! https://satsback.com/register/5AxjyPRZV8PNJGlM HEATBIT - Home Bitcoin mining - https://www.heatbit.com/?ref=DANIELPRINCE - Use code BITTEN. CRYPTOTAG STEEL PLATE BACK-UP https://cryptotag.io - USE CODE BITTEN for 10% discount. ALL FURTHER LINKS HERE - FOR DISCOUNTS AND OFFERS - https://vida.page/princey - https://linktr.ee/princey21m

Welcome to this first episode of our miniseries Ikigai Insider, where we invite our Client Advisers to share what it means to live a good life, combining Ikigai with Providend's Philosophy of Sufficiency.Each episode explores one of the eight Ikigai petals identified by Mieko Kamiya, the mother of Ikigai Psychology, whose work has been revitalised by Nicolas Kemp, Founder of Ikigai Tribe. Our Client Advisers share personal reflections and the steps they take to fulfil each petal.In this episode, our Client Adviser Annette Lee reflects on the Ikigai petal of Freedom, sharing her recent experiences in Wakayama, Japan.From the delicate art of dyeing Furoshiki to exploring the guilt of “not having enough,” Annette reveals how even just 5–10 minutes a day spent on a small hobby can uncover moments of true freedom. Discover her personal reflections and learn how simple, intentional actions can help you find freedom in your own Ikigai.Annette has also written an article on this, which you can read here: What Freedom Means in Ikigai: Reflections from Wakayama and Lessons for ClientsThrough deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan.Music courtesy of ItsWatR.The host of this episode, Aaron Loo, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Newsletter Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

As AI tools like ChatGPT are increasingly capable of analysing financial data, generating reports, and answering complex questions in seconds, many have asked: Could AI truly replace a human wealth adviser?Being trusted advisers to our affluent clients for over two decades, this Providend series began with an article by our Client Advisers on clients navigating major life transitions. The podcast goes further, exploring the thoughts behind these transitions.In this podcast episode, Jit Hwee and our host, Isaac, explore three major retirement challenges through the case of Bob and his wife Elsie, both 45, who hope to retire at 60. They discuss how clients often find it difficult to navigate the mental gymnastics of evaluating trade-offs, particularly when faced with information overload about the steps needed for a successful retirement.Jit Hwee also highlights three key limitations of using AI in retirement and career transition planning, and poses an important question: would you trust AI with your non-negotiable ikigai goals and life events, or for achieving clarity and peace of mind? Listen to the podcast to find out more.To better understand the discussion, you may start by reading Jit Hwee's article here: Case Study: Can AI Replace a Human Adviser for Retirement and Career Transitions?Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

Having gone through multiple market crises together with our clients since 2001, we know what works and what will not work when it comes to the reliability and sufficiency of investment returns. To share our insights, we are pleased to introduce our "Investment 101" video series featuring Dr Peng Chen, Senior Advisor & Director at Providend. In this series, Isaac Ong, our Client Adviser, discusses essential investing concepts with Dr Peng, to provide you with a better understanding of the financial markets as you embark on or continue your investment journey. In this episode, Dr Peng and Isaac tackle the pressing topic of inflation, which has been a major concern since the sharp spike in rates in 2022. Watch all five "Investment 101" videos here.At Providend, we are passive in areas where evidence shows us that it is better to be passive and active in areas where we cannot afford to be passive. This philosophy is born out of our experiences managing money through many crises. Read this article to find out more.Learn more by reading our investment eBook titled "A More Reliable Way to Get Enough Investment Returns: Even During Times of Market Uncertainty": With a minefield of financial misinformation out there, we promise to be a safe pair of hands and a second pair of eyes to help you avoid costly financial mistakes. You can reach out to us for sound advice tailored to your unique situation: https://providend.com/our-clients/service-enquiry-form/ Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Weekly on Mondays at 8am, Providend's Money Wisdom will share how you can gain clarity in your own “ikigai decisions” and make wise financial choices to support them. That, to us, is the essence of money wisdom and what we want you to take away from listening to our podcast.Also available in video format on our YouTube channel fortnightly on Thursdays at 8pm.An original podcast produced by Providend Ltd.Do you have any feedback or questions? Reach out to us at communications@providend.comMusic courtesy of ItsWatR.

Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy, making ikigai decisions before money decisions, is rooted in our experience of managing over S$1 billion worth of our clients' hard-earned assets.In this week's Money Wisdom episode, and our final episode of 2025, our co-host Isaac chats with Chris about his latest Business Times' article titled 'What Did My Money Really Buy This Year?' They reflect on how society often measures wealth through investment returns, while the return on life, such as contentment, values and meaning, is harder to quantify.Chris shares personal reflections on spending with intention, from a $10,000 anniversary dinner that brought immeasurable joy, to viewing health, relationships and mind space as assets on a personal life balance sheet. With a few days left in the year, we hope this conversation encourages you to pause, reflect, and remember that it is not too late to realign your choices and change your trajectory for 2026.You can also read Chris' Business Times article that was discussed in this episode here.The book that was discussed in the podcast was Outlive: The Science and Art of Longevity by Dr Peter Attia.Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

Being a trusted adviser to our affluent clients for over two decades, we know what works and what won't work, when it comes to helping our clients meet their non-negotiable life goals.In this episode, we are glad to be joined by one of Providend's clients, Matthew Elton, Founder and Managing Director of Hotlotz, a leading auctioneer in Singapore. Matthew prides Hotlotz on their honesty, integrity and high level of service quality towards their clients.You will be intrigued by the interesting stories he has to share and his passion for upholding trust in both his work and personal life, especially when it comes to precious items bestowed upon his clients from their loved ones. Matthew's belief in doing the right thing and maintaining a healthy culture within Hotlotz aligns closely with Providend's mission to be the light in the financial world.Learn more about Matthew and his company here.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Feeling #financialstress? Want to know how to make smarter #financialdecisions with calmness?Listen now to this interview with Will Young,  #CertifiedFinancialPlanner. Will connects #finance, #psychology, and #stoicphilosophy to show how social proof, media-driven fear, and the emotional traps derail investors, while revealing how #discipline, #mindset, and behavioral psychology #protectyourpeace and your portfolio.Will shares his “effective forecasting” approach, teaching how mental preparation, #emotionaldiscipline, and long-term thinking help people #staysteady through fear, uncertainty, and #marketchaos, and so much more!Connect with Will at his team website.https://www.ameripriseadvisors.com/team/liberty-wealth-management/#Stoicism #FinancialWisdom #MindsetMatters #WealthWithPurpose #ConsciousCapitalism #FinancialFreedom #InnerPeace #EmotionalIntelligence #PersonalGrowth #SuccessMindset #LegacyMindset #LongTermThinking #SelfMastery #MoneyMindset #PurposeDrivenLife #MindfulLiving #MentalResilience #LeadershipMindset #BusinessPhilosophy #AbundanceMindset_____________________________________ABOUT SAMIA:Samia Bano is the #HappinessExpert, author, speaker, podcaster & coach for coaches and healers. Samia is most known for her book, 'Make Change Fun and Easy' and her #podcast of the same name. With the help of her signature Follow Your Heart Process™, a unique combination of #PositivePsychology and the #spiritual wisdom of our most effective #ChangeMakers, Samia helps you overcome #LimitingBeliefs, your chains of fear, to develop a #PositiveMindset and create the impact and income you desire with fun and ease…Samia's advanced signature programs include the Happiness 101 Class and the Transformative Action Training.Samia is also a Certified #ReikiHealer and Crisis Counselor working to promote #MentalHealthAwareness.  Samia models #HeartCenteredLeadership and business that is both #SociallyResponsible and #EnvironmentallyFriendly.Samia is a practicing #Muslim with an inter-spiritual approach. As someone who has a love and appreciation for diversity, she is a #BridgeBuilder between people of different faiths and cultures. Although Samia currently lives in California, USA, she has lived in 3 other countries and speaks Hindi, Urdu, and English fluently.  Want to learn even more about Samia? Visit www.academyofthriving.com :)To Book your Free HAPPINESS 101 EXPLORATION CALL with Samia, click: https://my.timetrade.com/book/JX9XJ

Feeling #financialstress? Want to know how to make smarter #financialdecisions with calmness?Listen now to this interview with Will Young,  #CertifiedFinancialPlanner. Will connects #finance, #psychology, and #stoicphilosophy to show how social proof, media-driven fear, and the emotional traps derail investors, while revealing how #discipline, #mindset, and behavioral psychology #protectyourpeace and your portfolio.Will shares his “effective forecasting” approach, teaching how mental preparation, #emotionaldiscipline, and long-term thinking help people #staysteady through fear, uncertainty, and #marketchaos, and so much more!Connect with Will at his team website.https://www.ameripriseadvisors.com/team/liberty-wealth-management/#Stoicism #FinancialWisdom #MindsetMatters #WealthWithPurpose #ConsciousCapitalism #FinancialFreedom #InnerPeace #EmotionalIntelligence #PersonalGrowth #SuccessMindset #LegacyMindset #LongTermThinking #SelfMastery #MoneyMindset #PurposeDrivenLife #MindfulLiving #MentalResilience #LeadershipMindset #BusinessPhilosophy #AbundanceMindset_____________________________________ABOUT SAMIA:Samia Bano is the #HappinessExpert, author, speaker, podcaster & coach for coaches and healers. Samia is most known for her book, 'Make Change Fun and Easy' and her #podcast of the same name. With the help of her signature Follow Your Heart Process™, a unique combination of #PositivePsychology and the #spiritual wisdom of our most effective #ChangeMakers, Samia helps you overcome #LimitingBeliefs, your chains of fear, to develop a #PositiveMindset and create the impact and income you desire with fun and ease…Samia's advanced signature programs include the Happiness 101 Class and the Transformative Action Training.Samia is also a Certified #ReikiHealer and Crisis Counselor working to promote #MentalHealthAwareness.  Samia models #HeartCenteredLeadership and business that is both #SociallyResponsible and #EnvironmentallyFriendly.Samia is a practicing #Muslim with an inter-spiritual approach. As someone who has a love and appreciation for diversity, she is a #BridgeBuilder between people of different faiths and cultures. Although Samia currently lives in California, USA, she has lived in 3 other countries and speaks Hindi, Urdu, and English fluently.  Want to learn even more about Samia? Visit www.academyofthriving.com :)To Book your Free HAPPINESS 101 EXPLORATION CALL with Samia, click: https://my.timetrade.com/book/JX9XJ

Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy—making ikigai decisions before money decisions—is rooted in our experience of managing over S$1 billion worth of our clients' hard-earned assets.In this week's Money Wisdom episode, our co-host Isaac chats with Chris about why trusts are more than just tools for asset distribution. Chris shares the emotional challenges of assigning trustee rights that our clients face, the limits of corporate trustees, and the benefits of a team approach.Chris also highlights the vital role of wealth advisers in providing a holistic view, coordinating details, and guiding families through legacy planning, which does not only have to start only at the end of life. Listen to the full episode to find out when it makes sense for a person to consider a corporate trust.You can also read Chris' Business Times article that was discussed in this episode here. Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!TBC

“A good life must have God in it, for me. Without Jesus in my life, I wouldn't be living a good life.”In this special edition of The Providend Conversation: Living the Good Life, we are delighted to be joined by Mr Philip Ng, who reflects on his personal journey, his values, and how he leads his firm with a servant-leader mindset, guided by his faith.Mr Philip Ng is the CEO of the private real estate firm Far East Organization. He is the son of the late Mr Ng Teng Fong, who founded Far East Organization in 1960. Through his personal stories and professional journey, Philip illustrates how faith, values, and purposeful leadership can guide both life and business decisions.It has been a privilege to speak with Philip, and we hope you find his reflections as inspiring and thought-provoking as we did.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Welcome to the final episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai alongside Providend's Philosophy of Sufficiency.As trusted advisers to affluent clients for over two decades, we've always advocated that clients prioritise life decisions before financial ones. These life decisions are what we refer to as “Ikigai” decisions.In this episode, our Founder and CEO, Christopher Tan, chats with Sha-En Yeo, Singapore's first Happiness Scientist®, 2× TEDx Speaker, and Founder of 'Happiness Scientists', where she helps leaders move from burnout to success with fulfilment. For the past 14 years, she has worked across APAC to support organisations, schools and individuals through positive psychology–based coaching, training and keynotes on mental health, resilience and wellbeing.Sha-En shares her unconventional journey, from supporting a struggling student as a young teacher to discovering positive psychology. Through stories of uprooting her family to study overseas, and leaving the stability of an iron-rice-bowl job, she reflects on how small, courageous steps can lead us closer to our ikigai.You may reach out to Sha-En via her LinkedIn or website.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

The holidays are coming — travel, gifts, gatherings, and expenses. Before the season overwhelms you, let's talk about how to honor God with your money.In this episode, the Host, Paul, breaks down the biblical do's and don'ts of financial stewardship so you can walk in wisdom and peace, not stress and overwhelm.You'll hear practical guidance on: Inviting God into your financial decisions Creating a budget that actually works Saving wisely — even if you start small Seeking wise counsel Living within your means  Tune in now and take your next step toward faithful stewardship.Related Episodes"Million Dollar Life Lessons" https://www.buzzsprout.com/1113380/episodes/8011948"Secure the Bag" https://www.buzzsprout.com/1113380/episodes/8200192Resource mentioned: https://www.ramseysolutions.com/Support the show

Legacy Beyond Wealth is a podcast series by Providend that invites you into the heartfelt, often complex conversations behind legacy planning. In this series, we follow the story of Richard and Eva, successful business owners approaching retirement and transitioning their business to the next generation.In this final bonus episode of Legacy Beyond Wealth, Richard and Eva return to Providend with their children, David and Mary, to finalise their business succession plan. What began as a technical discussion about leadership and ownership has now evolved into a deeply personal family milestone.After months of careful planning, structured assessments, and open conversations, the moment of truth arrives. With guidance from Client Adviser Chris and Business Exit Associate Director Jerome, Richard and Eva unveil their decision on the company's next CEO and ownership structure.At Providend, we believe true legacy planning is not about letting go, but about your legacy passing forward. It is about ensuring that what you have built with love and purpose continues to thrive for generations to come.Listen to the earlier podcast episodes here on legacy planning:Episode 1Episode 2 Episode 3Episode 4Business Exit Bonus Episode 1Music courtesy of ItsWatR.The voice talents for this episode are Ray, Annette, Isaac, Client Advisers, voicing Richard, Eva, David, our CEO, Christopher, voicing as their Client Adviser, Helen as Mary, Jerome, voicing as the Business Exit Associate Director, at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy—making life decisions before money decisions—is rooted in our experience of managing over S$1 billion worth of our clients' hard-earned assets.In this week's Money Wisdom episode, our co-host Isaac chats with Chris about how too much knowledge might actually make us poorer, drawing lessons from a surprising experience at The Ritz, and how knowledge can puff a person up and why letting it do so can be our downfall.The conversation explores why it's important not to let knowledge consume us or make us proud, or we risk missing the woods for the trees. Chris also shares how this lesson applies to investing and the importance of first understanding your own investment philosophy.To better understand the discussion, you may start by reading Chris' Business Times article.Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Get Our Money Wisdom II Book Today!Some long-time listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book. We're proud to announce that we have launched our second edition of the book titled Money Wisdom II: More Simple Truths for Financial Wellness. If you are interested in getting your very own copy, please check out the link here: https://providend.com/publications/#order-form

Legacy Beyond Wealth is a podcast series by Providend that invites you into the heartfelt, often complex conversations behind legacy planning. In this series, we follow the story of Richard and Eva, successful business owners approaching retirement and transitioning their business to the next generation.After completing their family legacy plan, Richard and Eva now face another major milestone: planning the succession of Richard's $30 million business. In this special bonus episode (Part One) of Legacy Beyond Wealth, we follow Client Adviser Christopher and Business Exit Associate Director Jerome as they work together to lay the foundations for this transition.For Richard, the business is more than a company; it is his life's work. Letting go is not just financial; it is deeply emotional. For Eva, the greatest concern is preserving harmony between their two children. From identifying the right successor to crafting a gradual transition plan, this episode explores how true succession planning protects not only the business but also the family relationships behind it.At Providend, we believe good legacy planning should preserve not just wealth but also relationships. It should offer clarity, not confusion.Listen to the earlier podcast episodes here on legacy planning:Episode 1Episode 2 Episode 3Episode 4Music courtesy of ItsWatR.The voice talents for this episode are Ray and Annette, Client Advisers, voicing Richard and Eva, our CEO, Christopher, voicing as their Client Adviser, and Jerome, voicing as the Business Exit Associate Director, at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy—making life decisions before money decisions—is rooted in our experience of managing over S$1 billion worth of our clients' hard-earned assets.In this week's Money Wisdom episode, our co-host Isaac chats with Chris about the article that unexpectedly stirred up conversations across the advisory space. What began as an article meant to explain why Investment-Linked Policies (ILPs) are complex products that Providend chooses not to use for our clients, ended up sparking strong reactions within the industry—something that was not intended.Chris shares how the article took up quite a bit of his mind space as he reflected on both the criticism and the support it received. While some advisers disagreed, many consumers reached out expressing gratitude for the clarity it brought. Chris and Isaac also discuss how ILPs can open doors to both mis-selling and well-meaning recommendations and why understanding this nuance matters.For context, it is most helpful to read Chris' Business Times article here before tuning in to this conversation.Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

October 19, 2025 | Nick Harsh, Tony Stonger, Maria ThomasResources: https://docs.google.com/document/d/1MUjYxOlknpYwdvr9SJQSJtFntXOgjwYD219XERt5WsE/edit?usp=sharing

What if your biggest money challenges aren't about math at all—but about the feelings and “financial scar tissue” you've been carrying for years?In this episode of Women's Money Wisdom, Melissa Joy, CFP®, welcomes fellow advisor and author Shannon Ryan, CFP®, to talk about her new book Your Money Has Feelings. Together, they explore why money is so deeply emotional, how early experiences shape lifelong financial habits, and what it takes to align money with what really matters.In this conversation:What “financial scar tissue” is and how it quietly drives our choicesWhy money feels primal—and why society equates wealth with worthThe hidden cost of “shoulds” like paying off the house or funding 100% of collegePermission to spend: overcoming scarcity when you have more than enoughOverspending as self-soothing—and ways to realign short-term habits with long-term goalsWhy micro-decisions (like raising your 401(k) 2%) create big momentumThe psychological leap into retirement and why it feels harder than the numbers suggestKey takeaways:Naming your money story is the first step to changing it.You can have anything, but not everything—clarify what matters most now.Progress is built on small, repeatable actions, not perfection.A trusted planner can simplify the math and hold space for the feelings.Resources & Links:Your Money Has Feelings by Shannon Ryan, CFP® – https://www.amazon.com/Your-Money-Has-Feelings-Understand/dp/B0F1XH6DYDAuthor website: https://www.shannon-ryan.comThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Do you already know the date of your retirement—or are you simply dreaming of leaving the workforce sooner than 65?In this replay of one of our most popular Women's Money Wisdom episodes, Melissa Joy, CFP®, explores what it takes to prepare for early retirement. She explains why it's not just about having a date on the calendar, but also about creating flexibility in your plan in case life throws you a curveball.You'll learn:Who should consider planning for early retirement—even if you think you'll work longerCommon assumptions vs. the reality of when most people actually retireKey “rules of thumb” financial planners look for when evaluating early retirement readinessWhy multiple savings buckets (401(k), Roth, brokerage, cash, pensions) matter so muchStrategies for tax planning, health care coverage, and income replacement before Social Security and Medicare kick inThe importance of mindset, lifestyle choices, and building a fulfilling life outside of workRetirement isn't just about money—it's about freedom, purpose, and designing a meaningful life for decades to come.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...