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Ringgit and Sense

BFM Media
Financial Planning
Personal Finance
Malaysia
Financial Literacy
Budgeting
Insurance
Tax Relief
Retirement Planning
Investment Strategies
Credit Cards
Inflation
Debt Management
EPF
Employee Provident Fund
Interest Rates
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.

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Artwork for Ringgit and Sense

Latest Episodes

RHB's top small caps for 2026 are financially stable, with bright growth prospects and resilient. Elaine Boey speaks with Alexander Chia, Head of RHB Regional Research, about how these companies are selected, what makes them stand out, and how they a... more

• This week on Ringgit & Sense, producer Jake Lim speaks with Nur Mahfuudhzah binti Normin, licensed financial planner at Resolute Planning about Islamic financial planning - how it differs from conventional financial planning, some of the principles... more

This week on Ringgit & Sense, producer Jake Lim speaks to Stephen Yong, licensed financial planner and Executive Director at Wealth Vantage Advisory about a certain income bracket among Malaysian - specifically the T20 group - why the classification ... more

This week on Ringgit & Sense, producer Jake Lim speaks with Linnet Lee, licensed financial planner at Resolute Planning about unit trusts - what they are, what kind of investors might be interested in the profile of this investment instrument, how th... more

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Recent Guests

Kevin Neoh
Licensed financial planner, head of financial planning at VKA Wealth Planners
VKA Wealth Planners
Episode: Economic Crisis: How Can We Budget For It?
Datin Nor Hanifah Hashim
CEO and Head of Malaysia at Franklin Templeton
Franklin Templeton
Episode: Sukuk: Should You Have It In Your Portfolio?
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?
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?

Host

Jake Lim
Host of Ringgit and Sense on BFM 89.9, frequently appears across multiple shows and platforms under the same brand.

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Talking Points

Recent interactions between the hosts and their guests.

Economic Crisis: How Can We Budget For It?
Q: But the word austerity, like I mentioned earlier, is popping up everywhere. Government is cutting spending, telling us to spend wisely. Do you agree that this is an especially good time for people to review their budget if they're not already doing so regularly?
Yes. It's a prudent time to reassess because uncertainty and potential price increases mean we should be intentional with money going forward, re-evaluate goals, and adjust how we allocate income to maintain life-centered priorities.
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.

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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?

This program provides practical guidance on personal finance, investing, and money management with a focus on Malaysia. Across episodes, listeners hear accessible explanations of financial concepts (unit trusts, Sukuk, ETFs, budgets, retirement planning) anchored by expert guests such as licensed financial planners, asset managers, and tax professionals. The show balances how-to strategies with real-world case studies, plus timely takes on macro themes (currency, inflation, wage trends) and everyday money decisions (spending during festive periods, managing debt, evaluating financial advisors). Noteworthy is the consistent emphasis on transparency in fees, fiduciary duty, and the importance of professional guidance, alongside accessible saf... more

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How many listeners does Ringgit and Sense get?

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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. BBK新闻随便看 - 带你了解马来西亚的有趣时事!
3. Morning Brief
4. Mr Money TV Podcast
5. The Daily Ketchup

How many episodes of Ringgit and Sense are there?

Ringgit and Sense launched 15 years ago and published 716 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. Kevin Neoh
2. Datin Nor Hanifah Hashim
3. Yap Ming Hui
4. Michelle Chin
5. Chua How Kiat
6. Steven Chu
7. Hann Liew
8. Harvinder Singh

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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