{"id":332290,"date":"2025-12-08T11:57:14","date_gmt":"2025-12-08T11:57:14","guid":{"rendered":"https:\/\/www.newsbeep.com\/ca\/332290\/"},"modified":"2025-12-08T11:57:14","modified_gmt":"2025-12-08T11:57:14","slug":"the-anti-advisor-why-everything-you-know-about-saving-is-wrong","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ca\/332290\/","title":{"rendered":"The \u2018Anti\u2019 Advisor: Why Everything You Know About Saving is Wrong"},"content":{"rendered":"<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Most of us grew up on the same tidy rules about money. Save faithfully, leave it untouched and trust that the distant future will reward our patience. In this episode of\u00a0Money Hacks, a podcast series by\u00a0The Business Times, host Howie Lim speaks with Chris Miles, the \u201canti financial advisor\u201d who believes this familiar script leaves far too many people stressed today and no better protected tomorrow.<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Miles\u2019 own turning point came from watching his father, a model saver with no debt, discover that he still could not afford to retire when his health was failing. That experience pushed Miles to question why mainstream advice sidelines cashflow, locks savings away for decades and treats day-to-day financial strain as an acceptable trade-off. His focus now is on helping people build stability they can actually feel in the present, not just in an imagined future.<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Why listen<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Retirement habits re-examined<br \/>\nWhy doing everything right can still leave you short when life intervenes.<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Value over capital<br \/>\nPractical ways to earn more by offering skills and solutions people genuinely need.<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Cashflow-first debt fixes<br \/>\nA simple method that reduces stress faster than chasing the highest interest rate.<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Investing with real anchors<br \/>\nWhy Miles prefers business and property-backed income to market volatility.<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Across their conversation, Miles explains why value creation often matters more than capital, why debt repayment should be driven by cashflow rather than interest rates and why he prefers income tied to real assets over the stock market\u2019s familiar swings.\u00a0<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">He is blunt, human and occasionally disarming, and his arguments give listeners a chance to rethink financial habits many of us follow by default. Listen now.<\/p>\n<p class=\"mb-6 border-b border-gray-250 pb-4 font-poppins text-4xs font-medium tracking-widest text-gray-515\">SEE ALSO<\/p>\n<p><a class=\"block h-full w-full\" href=\"https:\/\/www.businesstimes.com.sg\/podcasts\/how-master-risk-and-find-value-mid-caps?ref=article-see-also\" data-discover=\"true\" rel=\"nofollow noopener\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"relative z-10 h-full w-full object-cover\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/5b8f4faf138748da2c922a26026bca158c17a19a458d68ec0604f22e783f4162\" alt=\"The newly launched iEdge Next 50 Indices have climbed more than 24 per cent year to date, outpacing the Straits Times Index.\" width=\"1500\" height=\"1000\"\/><\/a><a class=\"block h-full w-full\" href=\"https:\/\/www.businesstimes.com.sg\/podcasts\/why-wealth-manager-started-portfolio-his-6-month-old?ref=article-see-also\" data-discover=\"true\" rel=\"nofollow noopener\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"relative z-10 h-full w-full object-cover\" src=\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/12\/9a36a839b314b7015ed0985b8de8a7c5124a50cc2db7c8ac7f55bc4b388fe710\" alt=\"Timothy Liew, head of investments, wealth management, OCBC (left) and Howie Lim, podcast correspondent, The Business Times (right).\" width=\"1620\" height=\"1080\"\/><\/a><\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Find more great content at<a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"https:\/\/bt.sg\/podcasts\" target=\"_blank\" rel=\"nofollow noopener\">\u00a0<\/a><a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"https:\/\/bt.sg\/podcasts\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/podcasts<\/a>. For feedback or episode ideas, email the team at\u00a0<a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"https:\/\/www.businesstimes.com.sg\/podcasts\/mailto:btpodcasts@sph.com.sg\" target=\"_blank\" rel=\"nofollow noopener\">btpodcasts@sph.com.sg<\/a>.<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">&#8212;<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Written and hosted by: Howie Lim (howielim@sph.com.sg)<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">With Chris Miles, CEO, Money Ripples<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Edited by: Howie Lim &amp; Claressa Monteiro<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Produced by: Howie Lim\u00a0<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">A podcast by BT Podcasts, The Business Times, SPH Media<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Follow BT Money Hacks podcasts every Monday:<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Channel: <a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"http:\/\/bt.sg\/btmoneyhacks\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/btmoneyhacks<\/a><\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Amazon:<a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"http:\/\/bt.sg\/mham\" target=\"_blank\" rel=\"nofollow noopener\"> <\/a><a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"http:\/\/bt.sg\/mham\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/mham<\/a><\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Apple Podcasts: <a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"http:\/\/bt.sg\/oeXe\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/oeXe<\/a>\u00a0<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Spotify: <a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"http:\/\/bt.sg\/oeGN\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/oeGN<\/a>\u00a0<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">YouTube Music: <a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"https:\/\/bt.sg\/mhyt\/\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/mhyt<\/a><\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Website: <a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"https:\/\/bt.sg\/moneyhacks\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/moneyhacks<\/a><\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party\u2019s products and services. Please consult professional advisors for independent advice.\u00a0<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">&#8212;<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Discover more BT podcast series:<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">BT Mark To Market Podcast at: <a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"http:\/\/bt.sg\/btmark2mkt\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/btmark2mkt<\/a>\u00a0<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">WealthBT at: <a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"http:\/\/bt.sg\/btwealthbt\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/btwealthbt<\/a><\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">PropertyBT at: <a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"http:\/\/bt.sg\/btpropertybt\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/btpropertybt<\/a><\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">BT Market Focus at: <a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"http:\/\/bt.sg\/btmktfocus\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/btmktfocus<\/a><\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">BT Podcasts at: <a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"https:\/\/bt.sg\/pcOM\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/pcOM<\/a><\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">BT Branded Podcasts at :<a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"https:\/\/bt.sg\/brpod\" target=\"_blank\" rel=\"nofollow noopener\"> <\/a><a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"https:\/\/bt.sg\/brpod\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/brpod<\/a><\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">BT Lens On:<a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"http:\/\/bt.sg\/btlenson\" target=\"_blank\" rel=\"nofollow noopener\"> <\/a><a class=\"text-verticals-btblue underline\" data-testid=\"article-annotation-link-component\" href=\"http:\/\/bt.sg\/btlenson\" target=\"_blank\" rel=\"nofollow noopener\">bt.sg\/btlenson<\/a><\/p>\n<p class=\"font-lucida text-xl font-medium italic leading-normal -tracking-5% text-gray-850\">Decoding Asia newsletter: your guide to navigating Asia in a new global order. Sign up here to get Decoding Asia newsletter. Delivered to your inbox. Free.<\/p>\n","protected":false},"excerpt":{"rendered":"Most of us grew up on the same tidy rules about money. Save faithfully, leave it untouched and&hellip;\n","protected":false},"author":2,"featured_media":332291,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[45,49,48,133,131,132],"class_list":{"0":"post-332290","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-ca","10":"tag-canada","11":"tag-finance","12":"tag-personal-finance","13":"tag-personalfinance"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/332290","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/comments?post=332290"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/332290\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media\/332291"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media?parent=332290"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/categories?post=332290"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/tags?post=332290"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}