Your Money with Michelle Martin

Money and Me: When Interest Rates are on the Floor, When is Investing Smart Leverage or a Debt Trap?

When rates diverge, the real risk isn’t missing the bottom - it’s what you do once you’re there. Singapore’s interest rates are nearing a projected floor, while the UK remains stubbornly higher - setting up a rare refinancing crossroads for homeowners. Michelle Martin speaks with Daniel Sim, Founder of Golden Goose Properties, about whether this is the moment to lock in cash-flow relief or risk overleveraging,refinancing timelines and borrower psychology. From Singapore’s TDSR to the UK’s stress tests, we explore how safeguards work - and where blind spots still exist. Ultimately, it’s about keeping leverage as a disciplined wealth tool, not a silent strain - hosted by Michelle Martin. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Market View: Profits, Premium Seats & a Check-In Button

Big earnings, so why did Wall  Street sell? Earnings season kicks off with surprises as JPMorgan Chase posts higher revenue but lower profits - and investors head for the exits. Michelle Martin and Ryan Huang unpack why a one-time Apple card charge and booming trading desks still weren’t enough to calm markets. Delta Air Lines delivers soaring profits powered by premium travel - yet its shares dip as expectations run even hotter. UP or DOWN breaks down GigaDevice’s explosive Hong Kong debut, SK Hynix’s US$13 billion chip bet, Meta’s Ray-Ban push, and Singapore port records. A bullish Broker’s Take sees UOB Kay Hian calling 40% upside for NTT DC REIT, riding global demand for data centres. And in The Last Word, a viral Chinese app called “Are You Dead?” reveals a surprisingly human fear in hyper-connected cities - hosted by Michelle Martin with Ryan Huang. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Money and Me: Can MariBank help you grow your money?

A digital bank, a S$1.3 billion war chest - and a big question: can a newcomer really change how Singaporeans save, invest and bank. Michelle speaks with Natalia Goh, CEO of MariBank, on how a digital-first model is reshaping everyday finance. Backed by Sea Limited and licensed by the Monetary Authority of Singapore, MariBank has rapidly grown its investment offerings to over S$1.3 billion in AUM. We unpack how the Lion - MariBank SavePlus Fund works, what investors should know about short-term bonds and capital preservation, and how gold investing fits into a digital wallet for this bank's customers. Natalia also explains fixed deposit rates, the rationale behind the S$100,000 deposit cap, and what safety looks like in a digital bank. Finally, we ask the big question for savers and investors alike: is putting your money with a digital bank worth a thought? See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Market View: Diesel, Cocoa & Director Deals - Plus Wall Street Records and a K-Pop Finale

A surge in insider buying puts diesel engines, cocoa and construction firmly in focus. Hosted by Michelle Martin with Ryan Huang, we track director deals at XMH Holdings, JB Foods and Reclaims Global - and what those trades signal for small-caps. Institutional action heats up as United Overseas Bank tops buy-backs while US markets notch fresh highs. Earnings season looms with big banks and airlines reporting, setting the tone for equities. UP or DOWN breaks down moves in Rolls‑Royce, Walmart, Apple and TSMC. We close with Singapore stocks - and a global pop-culture pulse check as BTS prepares a long-awaited comeback. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Money and Me: Your Guide to Shaping your Future Self & Money

As 2026 begins, Money and Me takes a moment of introspection - looking not just at how much you made, but how you spent. What did money add to your life in 2025 - and what quietly drained your peace, health, or joy? Hosted by Michelle Martin, this episode features Christopher Tan, CEO of Providend, who introduces a powerful reframing: Return on Spending, not just Return on Investing. From a $10,000 wedding anniversary to resisting ego-driven purchases, Christopher shares how values - not status - guided his big financial decisions. The conversation explores how spending today shapes the future story of our health, ageing, and relationships. Listeners are invited to do a simple year-end money audit - no spreadsheets required - before setting their goals for the year ahead.   See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.