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Ringgit and Sense

BFM Media
Financial Planning
Personal Finance
Financial Literacy
Malaysia
Budgeting
Insurance
Tax Relief
Retirement Planning
Investment Strategies
Credit Cards
Inflation
Debt Management
Employee Provident Fund
Interest Rates
EPF
Estate Planning
Bank Negara Malaysia
Scams
Cryptocurrency
Legacy Planning

Sharper and stronger than a double espresso. The Morning Run stretches your mind and braces you for the business day. It's your fast track into work where you can hit the ground running. From 6am to 10am weekdays, the Morning Run brings you the biggest stories and must-listen-to interviews. Stay enlightened, make educated business and investment decisions.

PublishesWeeklyEpisodes710Founded15 years ago
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Latest Episodes

This week on Ringgit & Sense, producer Jake Lim will be speaking to Datin Nor Hanifah Hashim, CEO & Head of Malaysia, Franklin Templeton about an investment asset that might be unfamiliar to some of our listeners: sukuk. They’ll be talking about what... more

This week on Ringgit & Sense, producer Jake Lim speaks to Yap Ming Hui, founder of Whitman Holdings - he’s also a licensed financial planner - about the profession. What makes a licensed financial planner different from the ‘wealth coaches’ and ‘inve... more

This week on Ringgit & Sense, producer Jake Lim speaks to Michelle Chin, co-founder of Oyen, Malaysia’s first pet insurance company about the costs of owning a pet - especially some of the hidden costs most people might miss, like pet boarding whenev... more

On Ringgit & Sense this week, producer Jake Lim speaks to Chua How Kiat, Leader for Deloitte Private Southeast Asia about family businesses- a little bit on trends in the region but more importantly they’ll be discussing what the differences are betw... more

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Recent Guests

Yap Ming Hui
Founder of Whitman Holdings, licensed financial planner
Whitman Holdings
Episode: Licensed Financial Planners: What Do They Do, Really?
Michelle Chin
Co-founder of Oyen, the first pet insurance company in Malaysia
Oyen
Episode: How Much Do Pets Really Cost?
Chua How Kiat
Leader for Deloitte Private Southeast Asia; oversees the Best Managed Companies Programme
Deloitte Private Southeast Asia
Episode: What Makes Or Breaks Family Businesses?
Idham Idris
Director of Corporate Treasury Investment Services
Wealth Vantage Advisory
Episode: Bouncing Back From Raya Spending
Steven Chu
Chief Asia FX and Rate Strategist at Bloomberg Intelligence
Bloomberg Intelligence
Episode: Should You Buy Crypto In These Volatile Times?
Hann Liew
Co-founder of Halogen Capital
Halogen Capital
Episode: Should You Buy Crypto In These Volatile Times?
Harvinder Singh
Managing Partner of Harvey & Associates; council member at the Chartered Tax Institute of Malaysia
Harvey & Associates; Chartered Tax Institute of Malaysia
Episode: Tax Tips And Individual Reliefs YA2025
Farhana Roslan
Head of the Research Team
PNB Research Institute
Episode: Why Is Wage Growth So Slow In Malaysia?
Yuvarajan Periyan
Licensed financial planner and co-founder of Uno Advisers
Uno Advisers
Episode: Pig-Butchering Scams: How to Identify & Avoid

Host

Jake Lim
Host of discussions focusing on personal finance, retirement planning, and economic trends, engaging with guest experts and providing insights for audience financial literacy.

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Talking Points

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Bouncing Back From Raya Spending
Q: What has been the trend with BNPL during Ramadan and Raya this year?
BNPL is expanding beyond major purchases and can be used for many small items; it lowers the visible cost but simply defers payment, potentially leading to larger total debt.
Bouncing Back From Raya Spending
Q: Do you know why people plan less financially for Raya compared with other commitments?
Commitments have fixed dates and amounts, while Raya-related spending is flexible and emotionally driven, making it harder to budget for discretionary items.
Bouncing Back From Raya Spending
Q: When individuals or families experience this so-called post-Raya financial whiplash, do you think it's actually caused by one big purchase or is it more of a death by a thousand cuts, like many small purchases?
It's usually a mix, but the driver is emotional spending tied to Raya rather than a single big purchase; spending accumulates because many items are bought to prepare for Raya and social activities.
Career Mistakes That Will Cost You
Q: Is following your passion a practical career strategy when you have bills to pay and commitments every month?
Pursuing passion can work if you also build a viable business model around it and develop essential skills like business development to attract customers; otherwise, you should plan a steady path that monetizes your skills and gradually aligns with your passion.
Career Mistakes That Will Cost You
Q: What are some of the non-negotiable questions to ask oneself before switching jobs to avoid running away from a problem?
Ask about the specific growth opportunities, the planned path for salary increments, and the stability of the new role versus the risks of leaving; assess whether there is a credible plan for development and whether you expect to stay long enough to build value.

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Frequently Asked Questions About Ringgit and Sense

What is Ringgit and Sense about and what kind of topics does it cover?

Focused on personal finance and investment strategies, this series offers insightful discussions about various aspects of money management, financial planning, and challenge mitigation within the Malaysian context. Topics often center on retirement planning, the implications of economic conditions on finances, and practical advice for budgeting and saving, as well as guest interviews with financial experts who provide unique perspectives on emerging financial trends and tools. Noteworthy is the podcast's engagement with socio-economic issues such as the rising cost of living and lifestyle inflation, making it a valuable resource for listeners looking to enhance their financial literacy and make informed decisions regarding their financial f... more

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Which podcasts are similar to Ringgit and Sense?

These podcasts share a similar audience with Ringgit and Sense:

1. The Breakfast Grille
2. Morning Brief
3. Mr Money TV Podcast
4. The Property Show
5. BBK Network @ Podcast

How many episodes of Ringgit and Sense are there?

Ringgit and Sense launched 15 years ago and published 710 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact Ringgit and Sense?

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What guests have appeared on Ringgit and Sense?

Recent guests on Ringgit and Sense include:

1. Yap Ming Hui
2. Michelle Chin
3. Chua How Kiat
4. Idham Idris
5. Steven Chu
6. Hann Liew
7. Harvinder Singh
8. Farhana Roslan

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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