--- title: From Budgetbabe to Millionaire Mummy. Take back control of your money [Chills 225 ft Dawn Cher] description: Join The Financial Coconut for insights on personal finance, investing, and wealth-building strategies. Start your path to financial literacy today! image: https://www.thefinancialcoconut.com/hubfs/Chills%20225.png --- [Skip to content](https://www.thefinancialcoconut.com/blog/chillswithtfc-225#main-content) [![Full_COlour](https://www.thefinancialcoconut.com/hs-fs/hubfs/Full_COlour.png?width=456&height=80&name=Full_COlour.png)](https://www.thefinancialcoconut.com/) - [Retirement Marketspace](https://retirementmarketspace.thefinancialcoconut.com/) - [Events](https://www.thefinancialcoconut.com/events) Show submenu for Events - [For Investors](https://tfcmysterymeetup.com/) - [For Business Owners & Creators](https://ipcreatorunite.peatix.com/) - [For Salaried Workers](https://www.thefinancialcoconut.com/thought-leadership-series) - [TFC Events](https://www.thefinancialcoconut.com/events) - [Shows](https://www.thefinancialcoconut.com/tfc-shows) Show submenu for Shows - [Wise and Shine](https://www.thefinancialcoconut.com/wise-and-shine) - [The Business Show](https://www.thefinancialcoconut.com/tfc-business-show) - [Chills with TFC](https://www.thefinancialcoconut.com/chills-with-tfc) - [Blog](https://www.thefinancialcoconut.com/blog) Show submenu for Blog - [Work Smart](https://www.thefinancialcoconut.com/worksmart) - [Invest](https://www.thefinancialcoconut.com/invest) - [Retire Well](https://www.thefinancialcoconut.com/retire-well) - [Business](https://www.thefinancialcoconut.com/business) Open main navigation Close main navigation - [Retirement Marketspace](https://retirementmarketspace.thefinancialcoconut.com/) - [Events](https://www.thefinancialcoconut.com/events) Show submenu for Events - [For Investors](https://tfcmysterymeetup.com/) - [For Business Owners & Creators](https://ipcreatorunite.peatix.com/) - [For Salaried Workers](https://www.thefinancialcoconut.com/thought-leadership-series) - [TFC Events](https://www.thefinancialcoconut.com/events) - [Shows](https://www.thefinancialcoconut.com/tfc-shows) Show submenu for Shows - [Wise and Shine](https://www.thefinancialcoconut.com/wise-and-shine) - [The Business Show](https://www.thefinancialcoconut.com/tfc-business-show) - [Chills with TFC](https://www.thefinancialcoconut.com/chills-with-tfc) - [Blog](https://www.thefinancialcoconut.com/blog) Show submenu for Blog - [Work Smart](https://www.thefinancialcoconut.com/worksmart) - [Invest](https://www.thefinancialcoconut.com/invest) - [Retire Well](https://www.thefinancialcoconut.com/retire-well) - [Business](https://www.thefinancialcoconut.com/business) - [Contact us](https://www.thefinancialcoconut.com/contact-us) [Contact us](https://www.thefinancialcoconut.com/contact-us) Jul 17, 2025, 8:16:26 AM # From Budgetbabe to Millionaire Mummy. Take back control of your money \[Chills 225 ft Dawn Cher\] ![Picture of The Financial Coconut](https://www.thefinancialcoconut.com/hs-fs/hubfs/Square%20(2)-3.png?width=50&name=Square%20(2)-3.png) [The Financial Coconut](https://www.thefinancialcoconut.com/blog/author/the-financial-coconut) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://www.thefinancialcoconut.com/blog/chillswithtfc-225) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://www.thefinancialcoconut.com/blog/chillswithtfc-225) [envelope icon](mailto:?body=https://www.thefinancialcoconut.com/blog/chillswithtfc-225) [Share this page](https://twitter.com/intent/tweet?url=https://www.thefinancialcoconut.com/blog/chillswithtfc-225) [![Follow The Financial Coconut](https://no-cache.hubspot.com/cta/default/46975693/interactive-182431637553.png)](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/redirect?encryptedPayload=AVxigLL2CjCe42iR2RH2MpVX0Ej%2BKJQ%2F3A0Z7pXnUs35To%2Bo6nbKcpBVq9I98X5NUungVEwfs5YCKuM%2FaP97VxIITkTlihT57%2F%2F4XDW9rT3VR4MatSLDi%2BMU5mbQqihfX3LRRz83ij8K19OiD8UXy8sdct4t0Q%3D%3D&webInteractiveContentId=182431637553&portalId=46975693)   From SG Budget Babe to Finance Mummy; Discover how Dawn evolved from extreme frugality to a smarter, life-centric approach to money—balancing career, family, and financial independence. Learn how she went from saving $20,000 on a $2K paycheck to building a million-dollar portfolio, an Amazon bestselling author of ‘Take Back Control of Your Money.’ And why does she say the system is designed to keep you broke. Why listen? Dawn’s no-nonsense wisdom cuts through the noise: “You don’t need a high salary to build wealth—you need a plan.” Whether you’re drowning in debt, juggling a side hustle, or ready to invest, her roadmap (detailed in her viral book) will change your life. Don’t miss this game-changing convo! **What We Discuss:** - [05:34](https://www.youtube.com/watch?v=tBXT5f0zXRc&t=334s) - What sparked your journey toward saving and your first milestone? - [15:08](https://www.youtube.com/watch?v=tBXT5f0zXRc&t=908s) - How did you break the hedonistic cycle in your financial journey? - [19:37](https://www.youtube.com/watch?v=tBXT5f0zXRc&t=1177s) - How did becoming a mom change your view and strategy on money? - [24:13](https://www.youtube.com/watch?v=tBXT5f0zXRc&t=1453s) - What income-growing advice would you give beyond just saving? - [29:03](https://www.youtube.com/watch?v=tBXT5f0zXRc&t=1743s) - Has your view on stock picking changed as a busy professional? - [42:28](https://www.youtube.com/watch?v=tBXT5f0zXRc&t=2548s) - What’s your current money mindset and outlook for the future? **Episode Resources:** - [Spotify](https://linktwin.to/JDvPkD) - [YouTube](https://linktwin.to/FiTciZ) - [Apple podcast](https://linktwin.to/EEEqAq) New episodes every [Thursday](https://www.thefinancialcoconut.com/blog/tag/chills-with-tfc) Share us your thoughts on this episode and let us know what do you want to hear next. You can now be our community contributor and make a [pitch ](https://thefinancialcoconut.com/contact/)to have your favourite personality be on our show. Join our [community group](https://linkin.bio/thefinancialcoconut/?fbclid=PAZXh0bgNhZW0CMTEAAaY2-JSYItZawSUnNP4YhAicLp0H2wXwx8EBmQgbzOJrjA6YRiPWXtFDSH4_aem_t1DMRY5jrSAapreaSX9ntw) and drop us your insights on this topic.   ### Stay ahead in your financial journey! Sign up for our newsletter to receive insights, tips, and strategies from The Financial Coconut Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://www.thefinancialcoconut.com/blog/chillswithtfc-225) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://www.thefinancialcoconut.com/blog/chillswithtfc-225) [envelope icon](mailto:?body=https://www.thefinancialcoconut.com/blog/chillswithtfc-225) [Share this page](https://twitter.com/intent/tweet?url=https://www.thefinancialcoconut.com/blog/chillswithtfc-225) [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/Chills%20283.png?height=200&name=Chills%20283.png)](https://www.thefinancialcoconut.com/blog/chillswithtfc-283) ## [NDR 2026 Experts Take: More Money, More Leave, But Will Singaporeans Have Kids? \[Chills 283\]](https://www.thefinancialcoconut.com/blog/chillswithtfc-283) [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/Chills%20282.png?height=200&name=Chills%20282.png)](https://www.thefinancialcoconut.com/blog/chillswithtfc-282) ## [Are SGX Companies well governed and truly undervalued? \[Chills 282\]](https://www.thefinancialcoconut.com/blog/chillswithtfc-282) [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/Chills%20280.png?height=200&name=Chills%20280.png)](https://www.thefinancialcoconut.com/blog/chillswithtfc-280) ## [Burnout Doctor Broke Bond to Pursue Barista FIRE \[Chills 280\]](https://www.thefinancialcoconut.com/blog/chillswithtfc-280) [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/Chills%20267-1.png?height=200&name=Chills%20267-1.png)](https://www.thefinancialcoconut.com/blog/chillswithtfc-267) ## [The Perpetual UNEASE felt by Singaporeans with Money explained \[Chills 267 ft Teo You Yenn\]](https://www.thefinancialcoconut.com/blog/chillswithtfc-267) [show](https://www.thefinancialcoconut.com/blog/tag/show), [Chills with TFC](https://www.thefinancialcoconut.com/blog/tag/chills-with-tfc) ## Let us know what you think of this post ## Related posts [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/Chills%20222.png?height=200&name=Chills%20222.png)](https://www.thefinancialcoconut.com/blog/chillswithtfc-222) [show](https://www.thefinancialcoconut.com/blog/tag/show), [Chills with TFC](https://www.thefinancialcoconut.com/blog/tag/chills-with-tfc) ## [Is Mixue, Luckin or Chagee the BEST Chinese Beverage IPO? \[Chills 222 ft Willie Keng & Lee Kok How\]](https://www.thefinancialcoconut.com/blog/chillswithtfc-222) What’s brewing in China’s $46 billion beverage market? From explosive IPOs to cutthroat... [Read more](https://www.thefinancialcoconut.com/blog/chillswithtfc-222) [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/IMG_0051.png?height=200&name=IMG_0051.png)](https://www.thefinancialcoconut.com/blog/chillswithtfc-212) [show](https://www.thefinancialcoconut.com/blog/tag/show) ## [Our Geoarbitrage Experience: Thrive in Singapore, Chiang Mai, KL \[Chills 212 ft ‪Shao Chun‬, 9 to 5 millionaire mindset\]](https://www.thefinancialcoconut.com/blog/chillswithtfc-212) What happens when you climb the corporate ladder, hit financial freedom… and then walk away from it... 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