We sit with Ex Co-Founder of Dollars and Sense, Dinesh Dayani, a long-time personal finance thinker and investor, to unpack how technology, experience, and hard-earned humility have completely reshaped the way he approaches money.

From the quiet impact of AI on how we consume financial advice, to early investing wins that felt like genius (but weren’t), this conversation challenges some of the most common assumptions people make about wealth, investing, and lifestyle choices.

In this episode, we touch on:

• Why traditional personal finance content is losing relevance and what’s taking its place
• The early investing mistake that changed how Dinesh views risk forever
• Why he gave up trying to outsmart the market (and what he does instead)
• A surprising lifestyle decision that goes against social norms - even as a parent

This isn’t a “get rich quick” conversation.

It’s an honest one about uncertainty, trade-offs, and redefining what financial success actually means.

🎧 Tune in to hear the full story and the thinking behind the choices.

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

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Get daily tips, insights, and community:

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Discover our other shows and deep dives on YouTube

⚠️ Disclaimer:

The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey

Hosted on Acast. See acast.com/privacy for more information.

The year’s ending… but we’re going out with a BANG

This isn’t just another episode; it’s the most chaotic, entertaining, and downright useful Budget Royale we’ve ever recorded.

Three guests.

Three festive categories.

Zero chill.

Expect:

🎄 The sneakiest Orchard Road shopping hacks that might start a domestic debate

✈️ Last-minute travel moves that sound illegal (but aren’t)

💰 And the surprisingly personal plans our guests have for a richer 2026, money and life-wise

And entering the arena…

• Sha-En Yeo, the Happiness Scientist who’s here to remind you why tiny habits can save your sanity
• Alex Lee, Father from familee.sg, bringing dad-energy, dad-logic, and surprisingly sharp life hacks
• Walter de Oude, Founder of Chocolate Finance dropping tips so smooth they should come with a disclaimer

Who wins each round?

Who gets roasted?

Who unexpectedly turns into the MVP?

You’ll have to tune in — because this episode moves

Fast. Funny. Festive. And totally unhinged in the best way.

Hit play. You’re not ready.

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

📍 LISTEN & SUBSCRIBE

• Spotify
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• YouTube

🔗 CONNECT WITH US

Get daily tips, insights, and community:

• Instagram
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• Newsletter

📺 MORE FROM OUR NETWORK

Discover our other shows and deep dives on YouTube

⚠️ Disclaimer:

The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey

Hosted on Acast. See acast.com/privacy for more information.

From buying bite-sized global stocks in Singapore dollars to navigating FX risks, SGX breaks it all down for us.

Meet Bernice Tan, VP of SGX, who gives us an insider’s look at how SDRs simplify overseas investing for local investors.

Highlight:

• What exactly is an SDR? Think of it like a "mirror" to overseas stocks, offering you exposure to big names like Alibaba and SMIC, but with a local twist.
• We’ll talk about liquidity, risks, and the potential benefits of fractional investing that might be a game changer for your portfolio!
• Plus, find out what’s next for the SDR market, and how these products are transforming the way we invest.

Don't miss out on this in-depth conversation about innovation, investment strategies, and the future of global access through local markets. Tune in now!

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

📍 LISTEN & SUBSCRIBE

• Spotify
• Apple Podcast
• YouTube

🔗 CONNECT WITH US

Get daily tips, insights, and community:

• Instagram
• TikTok
• Telegram
• Whatsapp
• Newsletter

📺 MORE FROM OUR NETWORK

Discover our other shows and deep dives on YouTube

⚠️ Disclaimer:

The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey

Hosted on Acast. See acast.com/privacy for more information.

What would make someone walk away from a stable army career and a five-figure monthly paycheck… all at just 31 years old?

Meet Mun Yuan of SunnySideSingapore, a former army regular who stunned everyone by leaving the force with a $1 million portfolio and a completely new life plan.

But why would someone leave a stable career with all the perks and benefits? And how on earth did he achieve financial freedom so early?

Here’s what you’ll get in this episode:

• The unexpected reason he signed on with the army and the even bigger reason he chose to leave.
• How he quietly built a seven-figure portfolio before most people even settle into their careers.
• The highs, the mistakes, and the “oh no” moments that shaped his FIRE journey.
• Why financial freedom completely rewired how he sees work, risk, and purpose.

It’s rare to hear someone speak this honestly about money, career pivots, and breaking out of a system most people stay in for life.

🔥 If you’ve ever wondered what it actually takes to redesign your life, this is the episode. Tune in now.

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

📍 LISTEN & SUBSCRIBE

• Spotify
• Apple Podcast
• YouTube

🔗 CONNECT WITH US

Get daily tips, insights, and community:

• Instagram
• TikTok
• Telegram
• Whatsapp
• Newsletter

📺 MORE FROM OUR NETWORK

Discover our other shows and deep dives on YouTube

⚠️ Disclaimer:

The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey

Hosted on Acast. See acast.com/privacy for more information.

Tackle some of the toughest challenges faced by caregivers and those planning for an uncertain future. From navigating the emotional weight of caring for loved ones, to the complexities of healthcare systems and managing financial stability, this discussion goes beyond the surface.

Guests in the Spotlight:

• Dr Chong Poh Heng, MD, HCA Hospice ─ a leading figure in palliative care, brings a wealth of knowledge on the intricacies of end-of-life care, and the delicate balance of family dynamics during these times.
• Bertha Henson, Independent journalist ─ author and full-time caregiver, opens up about her personal journey caring for her mother with Parkinson’s, shedding light on the daily emotional and financial realities of caregiving.
• Timothy Liew, Head of Investments, OCBC ─ shares his expertise on how to plan financially for caregiving, the importance of insurance, and investment strategies to ensure your family's financial security amidst growing healthcare costs.

You’ll Hear:

• The emotional weight of caregiving, from burnout to breakthrough moments.
• Smart financial strategies for tackling the financial strain of healthcare, from insurance to investments, and how to avoid the traps that drain your savings.
• A critical look at Singapore's healthcare system, uncovering the gaps, the resources available, and what caregivers really need to know.
• Insights on what the future holds for our aging population, and why we all need to start thinking about it now.

This is a raw, no-fluff conversation about the realities we’re all facing. Tune in for the facts, the struggles, and the action steps you can take today.

🎁 Join us on 29 & 30 November 2025 for The Price of Tomorrow: A Financial Wellness Festival.

Seats are Limited. Secure them here: https://ocbcpriceoftomorrow.peatix.com/

[The Price of Tomorrow, presented by OCBC, is held in conjunction with The Financial Coconut and RICE Media to take a holistic, human look at the role of money in our lives.]

⚠️ Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

---

🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

🔗 CONNECT WITH US

Get daily tips, insights, and community:

• Instagram
• Newsletter

📺 MORE FROM OUR NETWORK

Discover our other shows and deep dives on YouTube

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey

Hosted on Acast. See acast.com/privacy for more information.

Meet Nawin Singh, Founder of All That Racket—a digital marketing pro who achieved FIRE on his own terms. No secret sauce, just strategic moves, some early stock wins, and a passion for tennis rackets.

In this episode, Nawin shares:

- How he turned Facebook RSUs into financial freedom.

- His journey from digital marketing in the '90s to retiring early and living life on his own terms.

- The surprising way his record collection could become his next big move.

- Why Thailand is his retirement base, and how he’s balancing freedom with adventure.

Want to know how digital marketing and a little bit of luck can unlock the life you want?

Tune in to hear how Nawin made it happen—and how you can too.

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

🔗 CONNECT WITH US

Get daily tips, insights, and community:

• Instagram
• Newsletter

⚠️ Disclaimer:

The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey

Hosted on Acast. See acast.com/privacy for more information.

Are you paying for sophistication… or just complexity?

Structured products. ILPs. The industry calls them “innovative.” Some call them “expensive packaging.”

In this week’s episode ft. Tim Phillips from TimTalksMoney, we dive into how these products really work — what value they can offer, and where investors often get misled.

From fees that compound quietly, to the psychology behind why people still buy them — it’s a candid look at the tension between advice, incentives, and outcomes.

Tune in now for a no-drama, data-driven take — minus the sales pitch.

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

📍 LISTEN & SUBSCRIBE

• Spotify
• Apple Podcast
• YouTube

🔗 CONNECT WITH US

Get daily tips, insights, and community:

• Instagram
• TikTok
• Telegram
• Whatsapp
• Newsletter

📺 MORE FROM OUR NETWORK

Discover our other shows and deep dives on YouTube

⚠️ Disclaimer:

The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

Help us get to know you better: http://bit.ly/thefinancialcoconut-survey

Hosted on Acast. See acast.com/privacy for more information.