--- title: "Kids, Career and Budget 2023: Can Working Mums Have it All? [ft. Oniatta Effendi]" 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/sgb%202.webp --- [Skip to content](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2023-02#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) Feb 16, 2023, 12:00:00 AM # Kids, Career and Budget 2023: Can Working Mums Have it All? \[ft. Oniatta Effendi\] ![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/tfc-singapore-budget-2023-02) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2023-02) [envelope icon](mailto:?body=https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2023-02) [Share this page](https://twitter.com/intent/tweet?url=https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2023-02) [![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)   How can we encourage youngsters to get married and have kids? Wah saying that out loud gives us goosebumps. Singapore’s fertility rate has once again made it into the parliamentary discussion. As the number of senior citizens in the country rapidly increases, and the total fertility rate stay depressed, is this a downward spiral for our nation? What practices can the Government implement to help us build strong loving families? More importantly, where is the love in nurturing Singapore families? Why does it always sound like an economic problem? Join us today as we sit down and have a chat with one of the BUSIEST moms we’ve ever met, Oniatta Effendi, and discuss what are the difficulties she faces as a working mom and how she maintains balance between work and family. **What We Discuss:** - [05:49](https://www.youtube.com/watch?v=67acN7M5QcQ&t=349s) What are your hopes for the budget? - [15:42](https://www.youtube.com/watch?v=67acN7M5QcQ&t=942s) Is low birth rate an economic or social issue? - [18:21](https://www.youtube.com/watch?v=67acN7M5QcQ&t=1101s) What would you say to people who want to start a family and have a successful career? - [24:35](https://www.youtube.com/watch?v=67acN7M5QcQ&t=1475s) If we limit foreigners from coming in, will SMEs be stifled? - [30:53](https://www.youtube.com/watch?v=67acN7M5QcQ&t=1853s) If you are in a posistion of power, what are some changes you would make? - [34:00](https://www.youtube.com/watch?v=67acN7M5QcQ&t=2040s) What is your advice for young adults? **Episode Resources:** - [Spotify](https://shows.acast.com/62ff408997021c0012935e59/63e72fcce7cacc001194d80d) - [YouTube](https://www.youtube.com/watch?v=67acN7M5QcQ) More about [Singapore Budget here](https://www.thefinancialcoconut.com/blog/tag/singapore-budget). 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/tfc-singapore-budget-2023-02) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2023-02) [envelope icon](mailto:?body=https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2023-02) [Share this page](https://twitter.com/intent/tweet?url=https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2023-02) [![Lawrance Wong Singapore Prime minister salary increase 2026](https://www.thefinancialcoconut.com/hs-fs/hubfs/Screenshot%202026-09-14%20013632.png?height=200&name=Screenshot%202026-09-14%20013632.png)](https://www.thefinancialcoconut.com/blog/the-real-benchmark-behind-singapores-ministerial-pay-rise) ## [The Real Benchmark Behind Singapore's Ministerial Pay Rise](https://www.thefinancialcoconut.com/blog/the-real-benchmark-behind-singapores-ministerial-pay-rise) [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/crop-hand-refueling-car-on-station-2026-03-24-05-24-31-utc.jpg?height=200&name=crop-hand-refueling-car-on-station-2026-03-24-05-24-31-utc.jpg)](https://www.thefinancialcoconut.com/blog/singapores-1-billion-response-to-the-energy-crisis) ## [From Hormuz to Your Wallet: Singapore's $1 Billion Response to the Energy Crisis](https://www.thefinancialcoconut.com/blog/singapores-1-billion-response-to-the-energy-crisis) [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/SG%20Budget%20React%203.png?height=200&name=SG%20Budget%20React%203.png)](https://www.thefinancialcoconut.com/blog/ws-157) ## [What Budget 2026 Isn’t Saying About the Job Market \[W&S 157, Budget Special\]](https://www.thefinancialcoconut.com/blog/ws-157) [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/singapore%20banks-jpg.jpeg?height=200&name=singapore%20banks-jpg.jpeg)](https://www.thefinancialcoconut.com/blog/corporate-tax-surges-above-forecast-while-gst-growth-lags) ## [Singapore Corporate Tax Surges S$2.57B Above Forecast While GST Growth Lags](https://www.thefinancialcoconut.com/blog/corporate-tax-surges-above-forecast-while-gst-growth-lags) [show](https://www.thefinancialcoconut.com/blog/tag/show), [Singapore Budget](https://www.thefinancialcoconut.com/blog/tag/singapore-budget) ## Let us know what you think of this post ## Related posts [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/SGB%203B.png?height=200&name=SGB%203B.png)](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-03) [show](https://www.thefinancialcoconut.com/blog/tag/show), [Singapore Budget](https://www.thefinancialcoconut.com/blog/tag/singapore-budget) ## [SME Towkays Capitalising On SG Budget 2025! \[ft Hasan Abdul Rahman, Celine Ng, Jun Yi Lee\]](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-03) Curious about how Singapore's budget impacts small businesses? Join us and guests as we tackle... [Read more](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-debate-2025-ep-03) [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/maxresdefault%20(8).jpg?height=200&name=maxresdefault%20(8).jpg)](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2024-01) [show](https://www.thefinancialcoconut.com/blog/tag/show), [Singapore Budget](https://www.thefinancialcoconut.com/blog/tag/singapore-budget) ## [What Happened In The SG Budget 2024? What more did we want from CPF Shielding, And Property Tax](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2024-01) Let's talk money! Specifically, the 2024 SG Budget and how it will impact your wallet. Our speakers... [Read more](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2024-01) [![](https://www.thefinancialcoconut.com/hs-fs/hubfs/sgb%203.webp?height=200&name=sgb%203.webp)](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2023-03) [show](https://www.thefinancialcoconut.com/blog/tag/show), [Singapore Budget](https://www.thefinancialcoconut.com/blog/tag/singapore-budget) ## [As PAP Moves Economically Left, Should the Right Worry?](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2023-03) Sometimes we feel like our leaders of the day do not listen to us, they push through policies that... [Read more](https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2023-03) [![Logo_White](https://www.thefinancialcoconut.com/hs-fs/hubfs/Logo_White.png?width=111&height=69&name=Logo_White.png "Logo_White")](https://www.thefinancialcoconut.com/) [facebook-f icon](https://www.facebook.com/financialcoconut/) [linkedin-in icon](https://sg.linkedin.com/company/the-financial-coconut) [TikTok icon](https://www.tiktok.com/@thefinancialcoconut?lang=en) [instagram icon](https://www.instagram.com/thefinancialcoconut/) [Follow us on Facebook](https://www.youtube.com/channel/UCREEmSahtQyTBjJudI6kgmg) [Follow us on Facebook](https://open.spotify.com/show/6ndJZx2bk8jYgQHAXIwg1C) [Follow us on Facebook](https://podcasts.apple.com/sg/podcast/the-financial-coconut-podcast/id1487004505) 6 Shenton Way, OUE Downtown 2, #07-13, Singapore 068809 Copyright © 2025 - - [About Us](https://www.thefinancialcoconut.com/about-us) - [Events](https://www.thefinancialcoconut.com/events) - [Shows](https://www.thefinancialcoconut.com/tfc-shows) - [Blog](https://www.thefinancialcoconut.com/blog) - - [Work Smart](https://www.thefinancialcoconut.com/worksmart) - [Invest](https://www.thefinancialcoconut.com/invest) - [Business](https://www.thefinancialcoconut.com/business) - [Retire Well](https://www.thefinancialcoconut.com/retire-well) - - [Contact Us](https://www.thefinancialcoconut.com/contact-us) - [Work With Us](https://www.thefinancialcoconut.com/workwithus) - [Ask Our Experts](https://www.thefinancialcoconut.com/ask-us) - [Make Your Pitch](https://www.thefinancialcoconut.com/make-your-pitch) - [Service and User Agreement](https://www.thefinancialcoconut.com/service-agreement) - [Privacy Policy](https://www.thefinancialcoconut.com/privacy-policy) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "The Financial Coconut", "url" : "https://www.thefinancialcoconut.com/blog/author/the-financial-coconut" }, "dateModified" : "2025-02-04T10:21:08.214Z", "datePublished" : "2023-02-15T16:00:00.000Z", "headline" : "Kids, Career and Budget 2023: Can Working Mums Have it All? [ft. Oniatta Effendi]", "image" : [ "https://www.thefinancialcoconut.com/hubfs/sgb%202.webp" ], "mainEntityOfPage" : { "@id" : "https://www.thefinancialcoconut.com/blog/tfc-singapore-budget-2023-02", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.thefinancialcoconut.com/hubfs/Full_COlour-2.png" }, "name" : "The Financial Coconut" } } ```