Childhood Shapes Our Money Habits, How To Do Better For Our Future? [Chills 249, Sponsored by OCBC]

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.

Disclaimer: The views and opinions expressed belong to the guest/content creator, and do not represent the views of OCBC Bank. The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

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⚠️ Disclaimer:

The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

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