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You never know where one choice might take you. One story that could change your life. One conversation that shifts everything you thought you knew.
I’m Nicole — host of You Never Know, a podcast with real conversations about life, career, finance, and health, featuring visionary people who’ve taken the unconventional road and embraced the unknowns.
After 13 years at a top private bank and a transformational leap into fintech and entrepreneurship, I created You Never Know to inspire people to discover the different truths in life — and the infinite pathways that emerge when we look within.
Thank you so much for being here. If this resonates with you, I’d love for you to like, comment, subscribe, and share it with someone who might need it today.
With ❤️ from Singapore,
Nicole
| Episode | Date |
|---|---|
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#43 — She Left Visa To Confront What The System Never Told Women | Maaike Steinebach: “Why Do I Know Nothing About This?”
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May 28, 2026 |
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#42 — Full-Time YouTuber: Is It Worth It? | Max Chernov on Choosing Singapore & Reinvention
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May 22, 2026 |
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#41 — No Gold Behind Paper Gold | Christophe Numa: "Gold Is Not A Speculative Asset."
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May 05, 2026 |
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#40 — Best Cities In The World To Live & Work | Nirbhay Handa
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Apr 01, 2026 |
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#39 — Your Body Never Forgets: What Pain, Disease & Insomnia Are Telling You | Sufen Paphassarang: “It’s Never Just A Headache or Illness.”
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Mar 19, 2026 |
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#38 — Help! I’m Rich!: Why Rich People Can Still Feel Poor | Kees Stoute: “Many Tie Their Self-Worth To Their Net Worth.” “You’ll Never Have Enough If You Don’t Define Enough.”
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Mar 06, 2026 |
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#37 — Investing Mistakes Most People Make | Sameer Deshpande: “I Used To Convert My Short-Term Trades Into Long-Term Investments.”
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Feb 12, 2026 |
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#36 — Former Hospital CEO: Future Of Healthcare is Hospital At Home | Dr. Timothy Low: “Most Western Drugs Have Side Effects.” “AI Cannot Hold Your Hands.”
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Jan 28, 2026 |
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#35 — Inside a 15-Year-Old’s Head: AI, School & Meaning of Life | Joshua Goh: "I Don’t Want a 9–5 I Don’t Enjoy." “I’m Scared About My Future.”
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Dec 29, 2025 |
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#34 — Sales Is Like Dating: Rejection, 38x Returns & Private Markets In Asia | Jahnavi Bhagwati: "Learn To Walk Away." "Find Ways To De-Risk."
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Dec 18, 2025 |
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#33 — How To Get Promoted In Banking | Philip Kunz on Pay, Politics & Leadership: “Sucking Up To Your Boss Doesn’t Help Much.” “Your Peers Are The Most Influential As You Rise In Leadership.”
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Dec 02, 2025 |
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#32 — Addicted to Burnout? Why Overachievers Can’t Stop | Pei Chan: From Hedge Funds to Breathwork "I Couldn't Recognize Myself After Being Made Redundant."
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Nov 16, 2025 |
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#31 — Inside Najib’s Office: 1MDB, Anwar & Malaysia’s Future | Ei Sun OH: “It Became Rather Unbearable!” “Politics Isn’t Idealism — It’s Problem-Solving.”
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Oct 28, 2025 |
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#30 — Independent Asset Managers vs Banks: What's The Difference? | Urs Brutsch: “There's No Job Security In A Bank!” “I Work For the Client Now, Not The Bank.” “Investors Always Make The Same Mistakes!”
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Oct 10, 2025 |
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#29 — Plastic Surgery Is Not Vanity | Dr. Michelle Ho on Mommy Makeovers, Myths & Stigmas: “We’re Giving Patients Back What They Lost.” “It Has To Be For Yourself, Not To Save Your Marriage!”
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Sep 24, 2025 |
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#28 - How To Get Into Top US Universities From Asia: Polytechnic To Ivy League | Joash Lee: “It’s Not Just About Grades. What’s Your Story?” “You Never Know If You Never Try!”
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Sep 09, 2025 |
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#27 - Healing Anxiety & Disease Through Gut Health | Jo Brownlow: “The Root Of Autoimmune Diseases Is A Leaky Gut!” “You Can Eat Healthy & Still Have Type 2 Diabetes!”
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Aug 25, 2025 |
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#26 - How to Analyze Companies Beyond Numbers | Nirgunan Tiruchelvam On Equities, Coffee & Gold: “A company’s financial health is not directly correlated to its stock price!” “Boring isn’t bad in the equities market.”
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Aug 10, 2025 |
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#25 - StashAway CEO: Building A Fintech That Doesn’t Burn out | Michele Ferrario: “Passion Gives You Grit & Stamina During Tough Times.” “The Most Important Factor Is People.”
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Aug 03, 2025 |
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#24 — Commodities, Gold & Tokenization Of Real-World Assets | Eren Zekioglu: “What If Gold Pays You Like Rent?” “Everything Is A Derivative Of Crude Oil.” “Financing Doesn’t Always Have to Happen Through Banks.”
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Jun 29, 2025 |
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#23 — Property In 5 Moves & Growing Up Malay in Singapore | Farhan Adenan: “Your First Home Is Your First Chess Move.” “Someone Else’s Limitation Isn’t Yours.”
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Jun 16, 2025 |
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#22 — Gender-Fluid & Pansexual: From Arrests To Fatherhood | Shawn Lim: “I Told My Wife I Wasn’t Straight.” “Sometimes I Wonder If It’s Worth It Coming Out.” “I Can Only Be Authentic With My Daughter If I Am Myself.”
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Jun 08, 2025 |
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#21 — From Theatre to Trading, Without a Degree: Investment Banking, Hedge Funds & Commodities | Eren Elvis Zekioglu: “Working At Big Brand Companies Matter.” “Build Yourself A Persona.” “If You Can Represent Yourself, Doors Will Open.”
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Jun 01, 2025 |
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#20 — The Real ER: Cockroaches, Chaos & Confessions | Dr. LIEW Wai Wai: “I Landed An A380!” “Doctors Can Cry Too.” “Being An ER Doctor Is Easier Than Being A Mom!”
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May 25, 2025 |
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#19 — Life Isn’t Just A Movie. It’s Your Cinema. Rewrite Your Story. | Nicole Lee: “Your Vibe Attracts Your Tribe!” “Your Past Doesn’t Define What’s Next.”
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May 18, 2025 |
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#18 — You Shouldn’t Need A Bank To Buy A Bond: Blockchain, Tokenisation & Banking | Aaron Gwak: “We Don’t Need More Middlemen!” “Finance Should Be A Birthright — Not A Privilege.”
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May 11, 2025 |
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#17 — What Men Don’t Talk About: Failure, Sales & The Darker Sides Of Entrepreneurship | Neil Patwardhan: “Vulnerability Is The Hidden Sales Superpower!” “It’s OK To Be Not OK!” “Men Need To Have Open Conversations!”
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May 04, 2025 |
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#16 — Knowledge Isn’t Your Biggest Asset. Your Brand Is! | Rae Fung: “People Want Your Story & Perspective!” “Owning Your Voice Is Like Going To The Gym. Put In the Reps!”
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Apr 27, 2025 |
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#15 — Award-Winning Marketer: Why Purpose Leads To Real Success | Anser Aly: “Marketing Is The New Finance!” “A Good Leader Listens!” “Purpose Is Why You Get Out Of Bed!”
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Apr 20, 2025 |
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#14 — Do This For Better Teeth & Sleep!: From Teacher To CEO | Louisa Lee: “I Can Be Anything I Want To Be!” “I Was Struggling As A Teacher!” “More In Business Doesn’t Mean Better.”
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Apr 13, 2025 |
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#13 — Speaking Out At 21: What This Content Creator Learned The Hard Way | Jeraldine Phneah: “I Stress Every Time I Post!” “I've Learned To Be Accountable & Not To Run!” “Everyone Has Something Valuable.”
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Apr 06, 2025 |
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#12 — Want To Thrive In Banking & Finance? Learn This! | Paul Hodes: "Raise Both Hands!" "Be Your Own Career Counsellor." "Use Your Network!" "AI Is A Game-Changer."
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Mar 30, 2025 |
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#11 – Starting A Business At 19: Why You Are Your Biggest Enemy | Amanda Cua: “I Thought Being Young Was A Disadvantage!” “There Is No Best Path In Business!” “I Found The 3rd Door!”
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Mar 23, 2025 |
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#10 – Money Blocks That Keep You From Getting Wealthy: The Journey From Abuse To Abundance | Crystal Chow: “I Needed An Exit Plan.” “Rewrite Your Money Narratives!”
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Mar 16, 2025 |
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#9 — From Woman To Mom, Bank To Startup: Letting Go Of Being Perfect | Nicole Lee: “I Thought I Could Control Everything!” “It’s So Hard To be A Super Mom!” “It’s OK To Make Mistakes.”
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Mar 09, 2025 |
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#8 — The Hard Truth About Startups & The Magic Of Sales | Ned Phillips: “Closing My Startup Was Super Hard.” “Most People Don’t Know How To Sell!” “You Sell By Not Selling!”
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Mar 02, 2025 |
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#7 – How Cancer Broke This Lawyer Open & Gave Him Back His Life | Will Finn: “Stop Caring About What Other People Think!” “Being Lost Is A Necessary Part of Life!”
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Feb 23, 2025 |
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#6 – Can Astrology Really Predict Your Future? | Nivas: “Leaving My Job & Starting My Business Was The Biggest Decision In My Life!” “Be Bold & Authentic & Things Will Manifest Automatically!”
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Feb 16, 2025 |
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#5 — How To Reinvent Your Career At Any Age | Frank Koo: “Your Job Is NOT Your Identity!” “I Chose Freedom & Purpose Over A Higher Paycheck”
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Feb 09, 2025 |
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#4 — Gen Z’s Big Dilemmas: Chasing Likes vs Chasing Purpose | Glen Chan: “Not All Gen Zs Are Strawberries!” “FOMO Is Real!”
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Feb 02, 2025 |
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#3 — From Nightclub Bouncer To Senior Executive & Facing Retirement | Keith Power: “Most Men Live On The Surface!” “Bouncing Taught Me Most About Sales & People.”
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Jan 26, 2025 |
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#2 — 5 Big Lessons I'm Taking Into 2025 For A More Conscious & Abundant Life
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Jan 19, 2025 |
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#1 — Why I Left A Top Bank For A Startup & How It Changed My Life | My First Solo Podcast
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Jan 12, 2025 |