What if the way you spend, save, or stress about money… was shaped long before you earned your first paycheck? In this special live podcast episode, we unpack the invisible stories behind our money habits, the ones formed at the dinner table, in childhood homes, and during moments we didn’t even realise mattered.
This isn’t a “how to get rich” conversation.
It’s about why we think and feel the way we do about money, and how that quietly shows up in our lives and our children’s lives.
In this episode, we explore:
- How childhood experiences silently shape adult money habits
- Why growing up with “not enough” doesn’t always lead to saving
- The emotional side of money: guilt, fear, control, and security
- Digital money, kids, and why tapping a phone feels different from holding cash
- Whether parents need to “get it wrong” before they can teach it right
- How siblings raised in the same home can grow up with totally different money mindsets
Meet the guests joining the conversation:
- Dr Annabelle Chow - A clinical psychologist who breaks down money trauma, family dynamics, and emotional triggers around spending
- Elaine Teh, Head of Deposits - A senior banking leader sharing how kids today are learning money in a fully digital world, and what parents often miss
- Eddie @LazyCabbie, A content creator and everyday parent who opens up about growing up poor, hitting rock bottom, and rebuilding his relationship with money
- Plus, a candid host, Adrian Tan, who admits this episode felt part podcast… part personal therapy
This episode is raw, reflective, and deeply relatable especially if you’ve ever:
- Felt guilty spending on yourself
- Struggled to save despite earning more
- Wondered how to teach your kids about money without passing on your fears
👉 Tune in for a conversation that goes beyond dollars and cents — and into the habits, values, and emotional baggage we rarely talk about. Sometimes, understanding money starts with understanding ourselves.
What We Discuss:
- 00:00 - Introduction
- 03:11 - What early experiences shaped the way you think about money today?
- 05:23 - What experiences shaped your money mindset early in life?
- 09:05 - Can you walk us through OCBC’s products designed to help children build good money habits?
- 12:29 - What was the financial turning point, and how did it affect your parenting?
- 14:36 - Do parents need hardship to effectively teach children the value of money?
- 23:49 - What principles or tactics do you use when teaching kids about money?
- 25:57 - How do we teach kids to value money in an increasingly digital world?
- 29:24 - Are there small money behaviours parents should watch before they escalate?
- 33:32 - Q&A1: What’s the best way for parents to balance teenagers’ social needs with responsible spending?
- 35:02 - Q&A2: How should parents balance their values with their child’s expectations?
- 37:11 - Q&A3: Why do siblings develop different money habits despite the same upbringing?
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