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Explore every episode of the podcast You Never Know with Nicole Lee

Dive into the complete episode list for You Never Know with Nicole Lee. Each episode is cataloged with detailed descriptions, making it easy to find and explore specific topics. Keep track of all episodes from your favorite podcast and never miss a moment of insightful content.

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TitlePub. DateDuration
#27 - How Gut Health Affects Hormones, Anxiety & Autoimmune Disease | Jo Brownlow: “The Root Of Autoimmune Diseases Is A Leaky Gut!” “You Can Eat Healthy & Still Have Type 2 Diabetes!”25 Aug 202500:47:22

Could your anxiety, fatigue, or arthritis actually be coming from your gut?


In episode 27 of the You Never Know podcast, Nicole Lee sits down with functional medicine coach Jo Brownlow to explore the link between gut health, hormone balance, autoimmune conditions, and emotional well-being.


Jo shares her personal journey healing from Hashimoto’s disease, quitting alcohol, and transforming her son’s focus and neurodivergence through gut repair. They dive deep into the misunderstood symptoms of autoimmune disorders, and how stress, toxins, mold, food, and even botox, affect you.


💡 What you’ll learn in this episode:


  • How functional medicine uncovers root causes, not just symptoms
  • The surprising gut-hormone-anxiety connection
  • Why 95% of serotonin, the happy neurotransmitter, is made in your gut
  • The link between alcohol, inflammation, and autoimmune issues
  • Perimenopause and thyroid healing
  • Why over-exercising and under-resting depletes your body
  • Jo’s story of healing her son’s brain fog and neurodivergence through diet


If you’ve been dismissed, overwhelmed, or just want to understand your body better—this one is for you.


🎧 Chapters:

00:00 – Intro

01:10 – What is functional medicine?

02:30 – The bloodwork & intake process

06:15 – Perimenopause and hormones

10:50 – Cortisol, stress & progesterone

15:20 – Autoimmune disease: Hashimoto’s, psoriasis, arthritis

17:30 – Leaky gut and what causes it

22:15 – How Jo manages Hashimoto’s

26:20 – The gluten and mold connection

29:00 – Quitting alcohol and its impact on healing

34:00 – Over-exercising and adrenal fatigue

37:20 – Jo’s son’s healing journey

41:00 – Gut-brain connection: serotonin, dopamine, ADHD

43:00 – Best tips for gut health

46:00 – Anxiety isn’t just in your head

47:20 – Final thoughts on listening to your body


🔗 Connect with Jo Brownlow

Website: www.jobrownlow.com

Instagram: @jobrownlowwellness

LinkedIn: www.linkedin.com/in/jo-brownlow


🔗 Follow Nicole Lee

Website: www.youneverknow.co

IG / TikTok / YouTube: @nicoleleethisisme

LinkedIn: www.linkedin.com/in/nicoleleethisisme


🧠 #guthealth #hormones #hashimotos #functionalmedicine #perimenopause #serotonin #autoimmune #anxiety #alcohol #burnout #thyroid #youneverknowpodcast #nicolelee #youneverknow #podcast #contentcreator #trending


#26 - The #1 Factor That Beats a Company’s Financials! Gold, Coffee & Why Singapore’s Market Surprises | Nirgunan Tiruchelvam: “A company’s financial health is not directly correlated to its stock price!” “Boring isn’t bad in the equities market.”10 Aug 202500:44:12

Many investors obsess over numbers, charts, earnings, and market noise. But what if the real edge came from something far less obvious?


In this episode, I speak with Nirgunan Tiruchelvam — Head of Consumer and Internet at Aletheia Capital and author of Investing in the COVID Era — about seeing equity markets in a completely different way.


We dive into why strong financials don’t always mean a strong stock price, what coffee prices tell you about perceptions of value, and why gold and oil prices sometimes tell a different story when compared to their equities.


From Singapore’s quietly performing equity market to the rise of stablecoins, and how to cut through the noise when choosing a digital wealth platform, this is a conversation that might just change how you see investing.


Chapters:

00:00 Introduction

01:00 Why markets need a new language

04:33 From movie critics to equity analysts

06:45 Trade wars, tariffs, and investor fear

10:50 The #1 factor that can beat a company’s financials

14:10 Public vs private companies today

16:50 Gold, crypto, and oil — prices vs equities

23:00 Coffee prices and value perception

27:07 Singapore’s quietly performing equity market

30:30 India’s emerging consumer boom

33:13 Singapore as a growing stablecoin hub

36:07 Choosing the right digital wealth platform

40:50 The secret sauce of sustainable companies

41:50 ETFs vs stock picking for everyday investors

43:57 Final advice for equity investors


🎙️Follow me for stories on life, career, finance, the unconventional road, and embracing the unknowns.


❤️

Nicole

—------------


👉🏼Follow Nirgunan Tiruchelvam

LinkedIn: http://linkedin.com/in/nirgunan 

Website: https://www.aletheia-capital.com/ 


👉🏼Follow Nicole Lee

LinkedIn: www.linkedin.com/nicoleleethisisme

Website: www.youneverknow.co

Youtube: www.youtube.com/@nicoleleethisisme

IG: www.tiktok.com/@nicoleleethisisme

Tiktok: www.tiktok.com/nicoleleethisisme


#youneverknow #podcast #contentcreator #trending #banking #investments #finance #fintech #wealth #investing #crypto #life #leadership #passion #success #business #jobs #career #transformation #growth #viral #viralvideos #empowerment #dream #courage #inspiration #motivation

#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!”04 May 202501:00:04

Men don’t talk enough about the failure, burnout, or mental toll of running a business or leading in the workplace — but perhaps they should.

 

In this episode of You Never Know, Neil Patwardhan shares what it’s really like behind the scenes — from working in the corporate world at Dell and Accenture to becoming an “accidental founder,” and learning the sometimes-dark lessons of entrepreneurship.

 

Growing up as an immigrant kid in the U.S., Neil had to learn how to fit in, fail fast, and find his way out of deep loneliness — which allowed him to hone valuable skills in networking, leading to sales roles, including the one he has today as Chief Sales Officer APAC at Sinch.

 

We talk about sales as a life skill regardless of your role, the stigma in Asia around failure, and why vulnerability — especially for men — is often the missing piece in both business and life.

 

If you want to up your game in sales and networking, and you’re curious about what some men may be going through in business and in life, this episode is for you. I hope it reaches you exactly when you’re meant to find it.

 

Chapters:

00:00 Introduction

02:22 Feeling Alone Growing Up as an Immigrant Kid in the U.S.

06:08 You Can’t Wait Around to Make Friends or Fit In

10:29 Going Through Depression as a Teenager

12:20 Becoming a Chameleon to Survive — Early Lessons in Networking

15:06 The Truth About Networking — And Why People Overthink It

17:25 You’re Constantly Selling Yourself — Even If You’re Not in Sales

19:06 10 Years at Dell — Telling Stories with Data & WIIFM

21:43 Using Human Psychology to Influence at Work

24:29 Becoming an Accidental Founder — And Learning the Hard Way

27:04 The Darker Sides of Entrepreneurship

30:06 Startup Funding — Can You Do It Without Investors?

32:23 What Neil Would Do Differently as a Founder

35:56 The Emotional Toll of Entrepreneurship — Especially for Men

38:58 Why Failure Needs to Be Talked About More in Asia

42:09 Why Men Struggle to Talk About Mental Health

45:26 How Vulnerability Builds Stronger Connections

50:17 Leading with Vulnerability — Sales’ Hidden Superpower

57:58 A Message for Men — And Anyone Building Their Career or Business


❤️

Nicole

 

—————

👉🏼 Follow Neil Patwardhan on:

LinkedIn: https://sg.linkedin.com/in/neilpatwardhan

Instagram: https://www.instagram.com/neileyo/

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠ ⁠

Website: https://⁠www.youneverknow.co/⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

 

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #contentcreator #trending #men #mentalhealth #health #authenticity #sales #network #networth #leadership #success #business #entrepreneurship #jobs #career #transformation #growth #viral #viralvideos #empowerment #dream #courage #learning #learn #usa #Singapore #asia 

#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!”27 Apr 202500:56:30

Your voice is your personal brand. And your brand is your biggest asset. Not your knowledge. Not your picture-perfect image. Not even your business card.

 

In this episode of You Never Know, I sit down with Own Your Voice coach, speaker, and emcee, Rae Fung for a real conversation about what it means to find — and own — your voice.

 

From starting out as an emcee at 15, to navigating the raw hunger for validation, battling the complexities of unhealthy mentorship, and discovering the power of her inner and outer voice, Rae's journey is a strong reminder that personal branding isn’t something you build — it’s something you uncover from within.

 

If you’re learning to find your voice, and wondering where to start on building your personal brand, this episode is for you. I hope it finds you exactly when you need it.

 

Chapters:

00:00 Introduction

01:50 Starting Out as an Emcee at 15

06:24 The Deep Craving to Be Seen and Heard

10:45 Living on External Validation: The Raw Truths

17:33 Chasing Freedom: Joining a Multi-Level Marketing Company

21:11 When Mentorship Becomes Toxic

30:22 Trusting Your Inner Voice Over More Experienced People

34:43 How “Successful” People Lose Their Voice Too

37:46 Self-Doubt Never Leaves Until You Do the Inner Work

40:51 How to Start Owning Your Voice Today

43:46 Why Personal Branding Is Your Greatest Asset

49:16 A Personal Branding Case Study: Selena Gomez & Benny Blanco

52:23 Rae’s Advice on Unconventional Careers and Finding Your Path

 

❤️

Nicole

 

—————

👉🏼 Follow Rae Fung on:

LinkedIn: https://www.linkedin.com/in/raefung/

Instagram: https://www.instagram.com/raematrix

Telegram Community: https://t.me/ownyourvoicex

Email newsletter: https://sendfox.com/raefungx

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠ ⁠

Website: https://⁠www.youneverknow.co/⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

 

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #contentcreator #trending #personalbranding #marketing #authenticity #voice #leadership #success #business #entrepreneurship #jobs #transformation #growth #viral #viralvideos #empowerment #dream #courage #learning #learn #career #mentalhealth #health


#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!”20 Apr 202500:53:59

What if winning awards doesn’t mean you’ve truly succeeded? What if purpose matters more than, and can even lead to, success?

 

In this episode I speak with Anser Aly, an award-winning "accidental marketer" who spent nearly two decades at Unilever leading campaigns at global brands — including three Cannes Lions wins.

 

But despite all the accolades, something was missing. And that something was purpose.

 

That was when Anser found his why, transitioned into learning and leadership development, and committed to helping others find theirs too.

 

Whether you’re winning on paper or wondering what’s next, this episode is your reminder that purpose is so much more than success — it leads to real success. I hope this inspires you and finds you exactly when you need it.

 

Chapters:

00:00 – Introduction

02:50 – Anser’s Cultural Roots, Name & Identity

07:55 – From Accountant to Accidental Marketer

13:47 – Entering Marketing at Unilever

19:30 – Running Award-Winning Campaigns

25:04 – Marketing Today: The New Finance?

27:23 – The Shift: From Marketing to Leadership Development

30:50 – Discovering Purpose and Taking Action

36:03 – What Makes a Good Leader

39:51 – The Role of Purpose in the Workplace

45:50 – Embracing Change Because You Never Know

46:40 – Human Relationships in Leadership

50:44 – Magic Moments & Gut Instincts

52:21 – The One Message Anser Would Put on a Billboard

 

❤️

Nicole

 

—————

👉🏼 Follow Anser Aly on:

LinkedIn: https://www.linkedin.com/in/anseraly/

Instagram: https://www.instagram.com/anseraly/  

Website: www.thegrowthlabs.co  

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠ ⁠

Website: https://⁠www.youneverknow.co/⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

 

🎪 Join my next community event in Singapore on 23 April 2025: https://www.eventbrite.sg/e/1318472158719?aff=oddtdtcreator

 

🎬 Filmed at: Poddster Singapore

 

#youneverknow #podcast #contentcreator #purpose #marketing #leadership #success #finance #business #entrepreneurship #jobs #transformation #growth #viral #viralvideos #empowerment #dream #courage #learning #learn #career

#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.”13 Apr 202500:55:24

From teacher to CEO of a dental practice and health & wellness group, DP Healthverse, Louisa Lee’s career journey is anything but ordinary.

 

In this episode of You Never Know, Louisa opens up about the internal struggles many don’t see behind the teaching profession, why she left it to build a business with her husband, how she grew it without being a dentist herself, and the surprising truths about oral health.

 

If you’re curious about what goes into running a health-related business, and want tips on improving your health, this episode is for you. I hope this conversation finds you exactly when you need it.


Chapters:

00:00 Introduction

01:58 A Master's in Linguistics and Speaking & Thinking in Mandarin

06:00 Why She Started Her Career as a Teacher

09:03 The Sides We Don’t See About Being a Teacher: Rethinking Education

13:16 How Louisa Went from Teaching to Running a Dental Practice

16:13 The Push Factor to Leave Teaching at a Top Girls’ School

20:44 Building a Dental & Healthcare Business from Scratch

27:21 Being Progressive & Pushing the Boundaries of Dentistry

34:30 Biggest Challenges & Lessons Running Her Business

38:22 Mouth Breathing & Tongue Positioning: How They Impact Your Teeth?!

41:36 How to Have Better Teeth & Oral Health

44:15 Partnering with Her Husband to Build the Business

48:33 Balancing Being a Mom and an Entrepreneur

50:42 The Most Common Bad Habit People Have with Their Teeth

51:13 The One Person Louisa Would Like to Have Dinner With

53:24 One Lesson Working with Her Husband Taught Her


❤️

Nicole

—————

👉🏼 Follow Louisa Lee on:

LinkedIn: https://www.linkedin.com/in/louisalee/

Instagram: https://www.instagram.com/louisalee/

Facebook: https://www.facebook.com/louisayue

Website: www.dpdental.com

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠ ⁠

Website: https://⁠www.youneverknow.co/⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

 

🎪 Join my next community event in Singapore on 23 April 2025: https://www.eventbrite.sg/e/1318472158719?aff=oddtdtcreator

 

🎬 Filmed at: Poddster Singapore

 

#youneverknow #podcast #contentcreator #health #healthcare #dentist #technology #business #entrepreneurship #women #teacher #transformation #growth #viral #viralvideos #empowerment #dream #courage #learning #learn #career #education #doctor

#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.”06 Apr 202500:44:44

At just 21, Jeraldine Phneah started speaking out online about things that mattered to her and her millennial generation — even when many of her peers didn’t.


In this episode of You Never Know, she opens up about why social issues have always interested her, the emotional cost and personal growth of speaking out, and her experiences from investing to dating in her 30s.

 

For anyone who’s ever struggled with using their voice or creating content in public — this one’s for you. I hope this episode reaches you exactly when you need it.

 

Chapters:

00:00 Introduction

02:01 Jeraldine's Childhood and Family Influence

04:24 Early Advocacy of Social Issues: Why She Started

10:44 Equal Opportunity, Career Fulfilment & Elderly Care

14:02 The Importance of Self Belief

16:49 Navigating the Public Scrutiny of Speaking Out

21:58 The Real Value of Content Creation

24:32 Biggest Lessons from Writing in Public

26:56 Investing Early and Being Financially Independent

33:28 Dating and Relationships in Your 30s

36:43 The Surprising "World Figure" She’d Want to Meet

40:14 The Common Misconception People Have About Her

42:20 Message for the Millennial Generation

 

❤️

Nicole

 

—————

👉🏼 Follow Jeraldine Phneah on:

Instagram: www.instagram.com/jeraldinephneah

LinkedIn: www.linkedin.com/jeraldinephneah

Website: www.jeraldinephneah.com

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠⁠

YouTube: ⁠http://YouTube.com/@nicoleleethisisme⁠

Spotify:  ⁠https://creators.spotify.com/pod/show/youneverknowwithnicolelee⁠

Apple Podcasts: ⁠https://podcasts.apple.com/us/podcast/you-never-know-with-nicole-lee/id1789078881⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

Website: https://⁠www.youneverknow.co/⁠

 

🎬 Filmed at: Poddster Singapore

 

#youneverknow #podcast #contentcreator #content #finance #ai #technology #business #careers #fintech #transformation #growth #viral #viralvideos #empowerment #dream #leadership #courage

#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."30 Mar 202500:58:31

If you want to thrive in banking and finance, this episode is for you. Finance veteran, Paul Hodes, shares about the key moves that shaped his long-standing career, including experiences at Fidelity, more than 25 years at senior positions in Citi, and his transition to fintech at Privé Technologies, where he is now CEO.

 

We dive deep into what really makes a difference in your career — how networking and corporate dynamics shape success, why mindset shifts are essential when moving from banking to fintech, and the impact of AI and digital solutions on the industry.

 

If you’re navigating the finance industry or simply looking to elevate your career in a big corporation, this episode will help you gain some valuable insights. I hope this finds you exactly when you need it on your journey.

 

Chapters:

00:00 Introduction
 01:56 Paul's Career in Finance & His Drive to See the World
 05:19 Biggest Lessons from More Than 25 Years at Citi
 07:02 Building a Career at a Big Bank & Changing Roles Internally
 10:44 Navigating Complex Dynamics at a Big Corporate
 16:05 The Importance of Building Your Internal & External Network
 19:02 Recognizing & Responding to Reorganizations
 31:02 Transitioning from Banking to Fintech: Biggest Surprises
 40:13 Learning Through Doing in Fintech
 42:21 The Role of AI in Wealth Management & Wealth Tech
 49:53 The Human Value in AI-Driven Finance
 52:32 Advice for Transitioning Careers
 54:59 One Game-Changer for Financial Investors
 55:54 Favorite Song & One Thing He Would Swap Between SG & HK

 

❤️

Nicole

—————

👉🏼 Follow Paul Hodes on:

LinkedIn: https://hk.linkedin.com/in/paul-hodes-24a52513  

Website https://www.privetechnologies.com

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠⁠

YouTube: ⁠http://YouTube.com/@nicoleleethisisme⁠

Spotify:  ⁠https://creators.spotify.com/pod/show/youneverknowwithnicolelee⁠

Apple Podcasts: ⁠https://podcasts.apple.com/us/podcast/you-never-know-with-nicole-lee/id1789078881⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

Website: https://⁠www.youneverknow.co/⁠

 

🎬 Filmed at: Poddster Singapore

 

#youneverknow #podcast #banking #finance #business #ai #technology #careers #fintech #startup #transformation #growth #viral #empowerment #dream #networking #mentorship #leadership

#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!”23 Mar 202501:00:15

Most people wait until they’re fully ready to start a business. 23-year-old Amanda Cua didn’t.

 

At 19, she skipped university and launched Backscoop, a media startup covering Southeast Asia’s startup scene. No degree, little experience—just an idea, a problem to solve, and the determination to make it work.

 

Now, at 23, she’s a Forbes 30 Under 30 Asia entrepreneur. But her biggest challenge? Managing herself.

 

In this episode, we talk about what it really takes to start a business, the hardest lessons in entrepreneurship, and how she’s navigating identity, growth, and being enough.

 

I hope this reaches you exactly when you need it.

 

00:00 Introduction

02:53 Amanda's Early Life In The Philippines & Exploring Identity

08:47 Understanding Her Heritage: What It Means To be Chinese Filipino

13:11 The Birth of Backscoop: Taking Risks

16:18 "The Third Door" In Life & Not Going To University

21:48 Going From Rejecting To Embracing Her Young Age

24:52 The Biggest Challenge As An Entrepreneur Is Yourself

25:57 Her Observations Dealing With VCs & Founders

31:06 Evolving Business Perspectives: At 23 vs. 19

34:20 Advice To Someone Thinking Of Starting A Business

36:09 3 Biggest Lessons From Running Her Own Business

41:10 Facing Insecurities, Disconnection & Feeling Not Enough

44:03 Forbes 30 Under 30 Asia: A Needed Recognition & Validation

47:03 Why Amanda Moved To Singapore

49:58 Living In Singapore vs. Philippines: Reconstructing Her Life

53:01 What She'd Tell Herself At 19

55:21 If Someone Is Thinking Of Starting A Business

56:00 The One Thing That People Get Wrong About Her

57:03 The Song That Best Describes Amanda

58:02 Favourite Foods After A Long Day In Singapore

 

❤️

Nicole

————————————

👉🏼 Follow Amanda Cua on:

LinkedIn https://www.linkedin.com/in/amanda-cua?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app

Instagram: https://www.instagram.com/itsamandacua?igsh=MWRjcWxvYWNyM21kbw%3D%3D&utm_source=qr

TikTok: https://www.tiktok.com/@itsamandacua?_t=ZS-8utccs5EjmK&_r=1

Website https://www.backscoop.com

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠⁠

YouTube: ⁠http://YouTube.com/@nicoleleethisisme⁠

Spotify:  ⁠https://creators.spotify.com/pod/show/youneverknowwithnicolelee⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

Website: https://⁠www.youneverknow.co/⁠

 

🎬 Filmed at: Poddster Singapore

 

#youneverknow #podcast #women #business #entrepreneurship #startup #transformation #freedom #abundance #growth #finance #crypto #viral #empowerment #dreambig #motivation

#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!”16 Mar 202500:55:47

Let’s face it. We all want and need money, but most of us don’t like to talk about it. I speak with Crystal Chow, a Money Consciousness Coach, as we dive into her transformative journey—from abuse to abundance, banking to crypto, and starting her own business.

 

We go deep into how scarcity beliefs and self-doubt block wealth, the powerful role of self-worth in shaping our financial reality, and how healing your relationship with money and people can unlock true freedom.

 

If you struggle with talking about money, how relationships show up in your life, or feel like one or both have been a source of stress, guilt, or discomfort — this episode is for you. I hope you this podcast reaches you whenever you are meant to find it.

 

00:00 Intro

02:48 Crystal's Early Influences and Money Philosophy

04:10 Lessons from Managing Money for Wealthy Clients

06:45 Transitioning from Banking to Crypto

09:35 The Living Hell of an Abusive Marriage

11:59 Attracting a Partner That Reflects Your Low Self-Worth

13:57 When Enough Was Enough

18:13 Inner Work & Building a Financial Lifeline Before Walking Away

22:15 The Importance of Financial Education: Start Simple

25:00 Biggest Money Blocks vs Enablers: Scarcity vs Abundance

28:10 Scarcity Consciousness and Self-Worth

30:02 The Challenge of Receiving Repels Givers

34:49 Understanding Trust & Control Issues; Setting Boundaries

37:52 Redefining Abundance Beyond Money

41:18 The Meaning of Money Consciousness

45:02 Leaving a Salaried Job for Solopreneurship

49:41 Money Advice to Your Younger Self

50:38 How to Unblock Your Money Block

52:22 You Are The Creator of Your Reality

 

❤️

Nicole

—————

👉🏼 Follow Crystal Chow on:

LinkedIn: www.linkedin.com/in/shiningwithcrystal

Instagram: www.instagram.com/shiningwithcrystal

TikTok: www.tiktok.com/@shiningwithcrystal

YouTube: www.youtube.com/@shiningwithcrystal

Website: www.cosmiquegroup.com

 

👉🏼 Follow Nicole Lee on:

Website: https://⁠www.youneverknow.co/⁠

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠⁠

YouTube: ⁠http://YouTube.com/@nicoleleethisisme⁠

Spotify:  ⁠https://creators.spotify.com/pod/show/youneverknowwithnicolelee⁠

Apple Podcasts: ⁠https://podcasts.apple.com/us/podcast/you-never-know-with-nicole-lee/id1789078881⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

 

🎬 Filmed at: Poddster Singapore

 

#youneverknow #podcast #women #money #consciousness #awakening #selflove #transformation #freedom #abundance #growth #finance #crypto #viral #empowerment #relationship #solo

#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.”09 Mar 202500:48:53

Have you ever felt like you needed to be "perfect" to be enough? I have.


For years, I thought I had to be in control. I thought I could. I planned everything. I strived to meet every expectation. I anticipated people's needs. 


In this special edition of You Never Know, the mic gets turned on me! Guest host Daria Huck leads a deep and honest conversation about my journey as a woman and a mom with a career, my move from a top bank to a startup, and the pressure to be perfect.


If you’ve ever struggled with perfectionism, fear of the unknown, trusting yourself, or navigating life as a woman, man, mom or dad — know that you are not alone.

 

Know that perhaps it's time to stop surviving and start thriving. To take a chance on yourself.

 

I hope you find this podcast meaningful and helpful for you wherever you are on your journey, and that it reaches you whenever you are meant to find it.


00:00 Intro: Podcast Takeover
 03:22 Embracing Vulnerability & Facing the Belief of Perfectionism
 05:48 Cultural Expectations & Realizing Perfection is a Myth
 10:38 Motherhood, Career & The Pressure to Be the "Perfect Woman"
 15:55 Rediscovering Identity Through Change & Pain
 17:56 The Key Moment That Prompted Nicole’s Self-Discovery Journey
 22:07 The Meaning Behind You Never Know
 27:03 Choosing Power Over the Fear of Uncertainty
 28:54 We Sometimes Overplan To Have an Illusion Of Control
 31:47 Daria’s Identity Crisis of Being a Russian Immigrant in Germany
 35:29 Inclusion Over Exclusion Creates Cohesion
 37:09 Accepting Ourselves & Addressing the Parts We Don’t Like
 40:26 Moving from a Life of Lack to a Life of Abundance
 43:07 Mistakes are Essential for Growth
 44:32 Learning to Connect Back to Your Heart


❤️

Nicole

—————

👉🏼 Follow Daria Huck on:

LinkedIn: www.linkedin.com/in/daria-huck

Website: www.dariahuck.com

Instagram: @dariahuck

 

👉🏼 Subscribe & follow Nicole Lee on:

Website: https://⁠www.youneverknow.co/⁠

YouTube: ⁠http://YouTube.com/@nicoleleethisisme⁠

Spotify:  ⁠https://creators.spotify.com/pod/show/youneverknowwithnicolelee⁠

Apple Podcasts: ⁠https://podcasts.apple.com/us/podcast/you-never-know-with-nicole-lee/id1789078881⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠⁠

 

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #women #motherhood #transformation #growth #banking #startup #viral #perfectionism



#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!”02 Mar 202501:00:20

Everyone talks about their wins, but not many talk about their failures. Ned Phillips spent 8 years building Bambu, a prominent robo-advisory fintech firm based in Singapore. Then one day, he had to face the brutal truth – they ran out of money. And it was over.

 

Shutting it down wasn’t just a business decision. It was an emotional toll, a hit to his identity, and a reckoning with what it really means to give it all up and accept “failure”.

 

In Episode 8 of You Never Know, Ned and I talk everything under the sun – from the raw truths about being a founder, to the importance of sales, and the power of bouncing back from failure - whether in business, in life, or in a 100km race.

 

At 57, he’s now taking everything he’s learned about business and sales, and helping startup founders get better at it through his new venture, The Sales Movement.

 

Entrepreneurship isn’t just about the highlight reels – it's also about the scars, the lessons, and choosing to be kind to others.

 

00:00 Introduction

02:49 Where Ned Grew Up

06:05 The Unforgettable Journey Of His Startup, Bambu

13:12 The Emotional Toll Of Being A Startup Founder

15:02 What Ned Would Tell Himself If He Could Start Again

17:58 Lessons From A "Failed" Business

21:10 Winning Deforms You, Loss Creates You

25:30 Real Friends Matter

28:19 Most People Don't Know How To Do Sales

30:45 The Art of Relationship Building in Sales

34:26 Listening & Understanding Your Customers Are Key

37:14 Why Many Startup Founders Aren't Good In Sales

38:38 Can Everyone Be Good At Sales?

41:00 Ultra-Endurance Sports At Age 57 & What It Taught Him

49:55 Be Kind & Not Worry About What Others Think

52:51 5 Things You Didn't Know About Ned: Songs, Entrepreneurship & More

 

❤️

Nicole

—————

👉🏼 Follow Ned on: www.linkedin.com/in/ned-phillips

👉🏼 Subscribe & follow Nicole Lee on:

 

Website: https://⁠www.youneverknow.co/⁠

YouTube: ⁠http://YouTube.com/@nicoleleethisisme⁠

Spotify:  ⁠https://creators.spotify.com/pod/show/youneverknowwithnicolelee⁠

Apple Podcasts: ⁠https://podcasts.apple.com/us/podcast/you-never-know-with-nicole-lee/id1789078881⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠⁠

 

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #career #growth #transformation #Entrepreneurship #Startup #fintech #Sales #Resilience


#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.”03 Aug 202500:56:28

Michele Ferrario, CEO of StashAway, didn’t set out to build a fintech company because it was trendy.


He built it because the banks didn’t align with the kind of investment approach he wanted for his hard-earned money—and he believed there had to be a better way. Nearly a decade later, StashAway is now one of CNBC’s Top Fintech Companies in the World—for the third year running.


In this episode, Michele shares what it really takes to build a business that lasts in the face of intense competition in the financial and banking world, and why people are everything.


We talk about founder–market fit, scaling without shortcuts, choosing co-founders and partners you deeply trust, and why passion isn’t just a cliché—it’s the thing that keeps you going when everything else gets hard.


From his early days at McKinsey to leading Zalora, to building StashAway from scratch, Michele opens up about the lessons that shaped him as a CEO, father, and founder who’s still in the arena.


Chapters:

00:00 – Intro

02:41 – The letter he wrote for his MBA application

07:20 – From McKinsey to Rocket: a path shaped by pivots

10:12 – Did he always want to be a founder?

14:14 – How Zalora prepared him for StashAway

17:48 – Lessons from McKinsey, private equity, and Rocket

23:00 – Knowing what really matters when building a business

24:30 – Passion vs profit: why you need both

30:00 – The personal frustration that sparked StashAway

33:45 – How he found his co-founders (over coffee)

37:53 – Trust, conflict, and co-founder chemistry

40:43 – Scaling a fintech in a competitive financial industry

45:48 – Leading teams across Asia as an Italian

47:38 – Fatherhood, focus, and redefining social life

50:55 – What he’s proudest of 9 years in?

51:59 – Grit, longevity, and the compounding effect

52:41 – What his team might not know about him

54:35 – Advice for aspiring founders


🎙️Follow me for stories on life, career, the unconventional road, and embracing the unknowns.


❤️

Nicole

—------------


👉🏼Follow Michele Ferrario

LinkedIn: https://www.linkedin.com/in/michele-ferrario-a464211/

IG: https://www.instagram.com/stashaway_com/

Tiktok: https://www.tiktok.com/@stashaway.com

Website: https://www.stashaway.sg/

Youtube: https://www.youtube.com/channel/UCSvy7qvOTCyvG4Dw85Yzm5Q 

Facebook: https://www.facebook.com/StashAwayAPAC/  


👉🏼Follow Nicole Lee

LinkedIn: www.linkedin.com/nicoleleethisisme

Website: www.youneverknow.co

Youtube: www.youtube.com/@nicoleleethisisme

IG: www.tiktok.com/@nicoleleethisisme

Tiktok: www.tiktok.com/nicoleleethisisme


#youneverknow #podcast #contentcreator #trending #banking

#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!”23 Feb 202500:53:20

Sometimes, the hardest moments in life are the ones that bring us back to who we truly are.  For Will Finn, that moment came when he was diagnosed with cancer.

 

It wasn’t just a health battle — it was a wake-up call.

 

A moment that forced him to step back and ask: Am I living in alignment with who I truly am? Or am I just following a path that was expected of me?

 

For years, he was a lawyer at top-tier law firms and big corporations across the world until cancer made him rethink everything. It made him stop and realize that he needed to stop caring what other people think.

 

In this deep and emotional episode, we explore:
 ☀️ The moment cancer changed everything for Will

☀️ How cancer cracked open his authenticity
☀️ How facing the real threat of mortality led to his biggest transformation
 ☀️ The truth about your job, career labels & self-worth
 ☀️ Why being lost is a necessary part of life’s journey

☀️ The power and liberation of not caring what others think

  

00:00 Introduction

04:56 When Cancer Entered Will's Consciousness

10:51 The Eventual Diagnosis & Health Checkup That Saved His Life

12:49 When Disease May Be A Manifestation of Our Unhealed Traumas

17:15 Cancer Cracked Open His Authenticity

21:41 When Being A Lawyer Is No Longer His Identity

25:49 Reframing What Your Job Means To You & Ways To Fill Your Cup

33:44 Being Lost Is A Necessary Part of Life's Journey

35:25 The Courage To Face Yourself & Ask The Hard Questions

40:19 Growing Up In New Zealand & No Two Children Are Alike

44:03 Moving From Legal Private Practice To Advertising Then Sports

48:53 The Power of Living Authentically & Not Caring What People Think

 

❤️

Nicole

———

👉🏼 Follow Will Finn on:


LinkedIn: www.linkedin.com/in/williamfinn


👉🏼 Subscribe & follow Nicole Lee on:

 

Website: https://www.youneverknow.co/

YouTube: http://YouTube.com/@nicoleleethisisme

Spotify: https://creators.spotify.com/pod/show/youneverknowwithnicolelee

Apple Podcasts: https://podcasts.apple.com/us/podcast/you-never-know-with-nicole-lee/id1789078881

Instagram: ⁠http://instagram.com/nicoleleethisisme⁠

TikTok: ⁠http://tiktok.com/@nicoleleethisisme⁠

LinkedIn: ⁠http://linkedin.com/in/nicoleethisisme⁠

 

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #authenticity #cancer #career #growth #purpose #transformation

#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!”16 Feb 202500:59:00

Like many of you, I never believed in astrology.

 

I thought it was just something fun for magazine editors to write about, or for us girls to get to know each other a little quicker. I thought it can’t be real.

 

But what if our stars and planets in the universe are telling us part of our story? WHAT IF they could guide us on our some of our biggest decisions in our lives?

 

A little more than a year ago, this ancient and fascinating realm entered my life when I needed it most. Little would I know that one year later, I would actually meet a REAL astrologer in Singapore who I would then interview for my podcast.

 

In Episode #006 of YOU NEVER KNOW, I sit down with Nivas, a Vedic astrologer who walked away from a stable corporate career to pursue his passion and calling.

 

His journey was anything but linear — moving to a new country, landing in a shockingly unexpected job, and facing uncertainty at different turns. But through it all, he trusted himself, was “blindly” bold, and knew that astrology was what he had to do in his life.

 

Listen in on our conversation as we explore:

00:00 Introduction

01:02 What does a Vedic Astrologer Actually Do?

05:53 How Do Astrologers Read Birth Charts?

08:48 Differences Between Vedic & Western Astrology

14:56 The Role of Rahu and Ketu in Vedic Astrology

17:49 Astrology as a Tool for Guidance: Importance of Planets & Placements

24:05 The Commercialization of Astrology & Not Knowing Too Much

27:42 Historical Context of Astrology

30:08 The Role of Intuition vs Knowledge

33:12 Nivas's Journey into Astrology

37:39 Navigating Career Challenges in Singapore: The Job He was Shocked to Have

44:46 Transitioning from Corporate to Starting a Business

52:59 Finding Purpose Beyond Financial Success

55:25 Boldness and Authenticity in Pursuing Dreams

 

Nivas is not on any social media platform, but I am so grateful to have met him synchronistically along my journey. I hope that you find this episode meaningful and intriguing, and that it reaches you whenever you are meant to find it.

 

❤️

Nicole

———

 

👉🏼 Subscribe & follow Nicole Lee on:

 

Website: https://www.youneverknow.co/

YouTube: http://YouTube.com/@nicoleleethisisme

Spotify: https://creators.spotify.com/pod/show/youneverknowwithnicolelee

Apple Podcasts: https://podcasts.apple.com/us/podcast/you-never-know-with-nicole-lee/id1789078881

Instagram: ⁠http://instagram.com/nicoleleethisisme⁠

TikTok: ⁠http://tiktok.com/@nicoleleethisisme⁠

LinkedIn: ⁠http://linkedin.com/in/nicoleethisisme⁠

 

👉🏼 Follow Nivas on:

 

Website: www.nivasastro.com

 

🎬 Filmed at: Poddster Singapore

 

#YouNeverKnow #Podcast #Authenticity #CareerTransitions #Intuition #PersonalGrowth #FindingPurpose #Astrology #Bold #Risks


#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”09 Feb 202500:59:12

Would you take a pay cut to do something you love? Frank Koo reveals that’s what he did. And he never looked backed since.


Many of us were raised to believe that Success = Earning more money + More social status.


But what if true fulfilment comes from something bigger than yourself? Something bigger than material pursuits?


In Episode 5 of You Never Know, I speak with Frank Koo, who has navigated major career transitions in life — from leaving a senior executive position in a Fortune 500 tech company, pivoting into education, to venturing into the world’s largest professional networking platform, LinkedIn.


Now at Nextplay, Frank is on a mission to transform the way people see work — not just as a means to an end, but as something that brings fulfilment and joy.


Join us as we talk about how you can reinvent your career at any age, why your job isn’t your identity, and why money does not equal happiness and success.


I sincerely hope that this episode is meaningful for you wherever you are on your journey, and whenever you are meant to find this.  


00:00 Introduction: Career is Not a One-Way Street

02:06 Frank Koo's Career Journey

10:33 Resilience and Relationship Building

14:34 The Search for Fulfillment

18:43 Transitioning from Tech to Education and LinkedIn

20:38 Intentionality vs. Serendipity in Career

24:40 Changing Industries: Lessons Learned

29:03 Life Stages and Career Aspirations

34:41 Finding Values and Purpose

39:36 How Much Money is Enough?

43:30 Self Identity and Interests Beyond Your Job

50:08 Evolving Leadership Styles

55:20 Career Advice for Frank's Younger and Future Self


I’d love to hear from you. What was that one career decision you made that felt scary at the time, but turned out to be the best thing for you?


❤️

Nicole

———

👉🏼 Subscribe & follow Nicole Lee on:

Website: www.youneverknow.co

YouTube: http://YouTube.com/@nicoleleethisisme

Spotify: https://open.spotify.com/show/5uRGujeye6cPVvaIGsAt7p?si=M5hKPV4iQoyKOK7TMB83bA

Apple Podcasts: https://podcasts.apple.com/us/podcast/you-never-know-with-nicole-lee/id1789078881

Instagram: ⁠http://instagram.com/nicoleleethisisme⁠

TikTok: ⁠http://tiktok.com/@nicoleleethisisme⁠

LinkedIn: ⁠http://linkedin.com/in/nicoleethisisme⁠


👉🏼 Follow Frank Koo on:

LinkedIn: https://sg.linkedin.com/in/koofrank


🎬 Filmed at: Poddster Singapore


#youneverknow #podcast #career #leadership #growth #purpose #freedom #transitions #life #success #retirement #job


#4 — Gen Z’s Big Dilemmas: Chasing Likes vs Chasing Purpose | Glen Chan: “Not All Gen Zs Are Strawberries!” “FOMO Is Real!”02 Feb 202500:36:09

“Gen Zs are strawberries -- they bruise easily and don’t want to work hard.”

 

That’s what the media and many others have to say about the generation who’s now in their late teens to mid-20s.

 

But honestly, that’s completely opposite to my experience with these bright, young sparks of light whom I’ve had the chance to work and interact with.

 

They dare to think different and believe different. And I completely resonate with that.

 

In Episode 4 of my podcast, You Never Know, I speak with 21-year old student from the National University of Singapore, Glen Chan, who opens up about the constant pressure of keeping up on social media, including LinkedIn, why not all Gen Zs are strawberries, and the challenge between chasing likes versus chasing purpose and passion.

 

Join us as we talk about the dreams, thoughts and concerns of Gen Zs, and how they see the world today.

 

You got this, ❤️

Nicole

——————-

👉🏼 Follow Nicole Lee & subscribe:

My website: www.youneverknow.co

IG, TikTok, LinkedIn & socials: Linktr.ee/nicoleleethisisme


👉🏼 Follow Glen Chan:

LinkedIn: www.linkedin/com/in/glenchan

#3 — From Nightclub Bouncer To Senior Executive & Facing Retirement | Keith Power: “Most Men Live On The Surface!” “Bouncing Taught Me Most About Sales & People.”26 Jan 202500:59:21

So many of us, including myself, have unconsciously let life happen to us.

 

And so often, perhaps because of how we grew up or what we’ve been through, we get so used to going with someone else’s flow that we don’t even realize what it actually does to our happiness, our fulfilment, our health, and our true desires.

 

In this episode, I speak with Keith Power, an executive coach and soon-to-be host of the podcast, The Power Within, whose journey of life is both inspiring and deeply human.

 

From growing up with an abusive father to starting out as a nightclub bouncer, Keith rose to lead multimillion-dollar businesses across the globe, before stepping into another uncomfortable phase of his life — retirement.

 

Now, he draws on his experiences of resilience and transformation to help others unlock their leadership potential and navigate life’s challenges.

 

Join us as we talk about the importance of making things happen, addressing our past, getting in touch with emotions as men, corporate leadership, relationships, and so much more.

 

I sincerely hope that this episode is meaningful for you wherever you are on your journey, and whenever you are meant to find this.

 

❤️

Nicole

 

———————————————————-

🔔 Follow me on:

 

My website: www.youneverknow.co/⁠

Instagram, TikTok, LinkedIn & more: http://Linktr.ee/nicoleleethisisme  

 

👉🏼 Follow Keith Power on:

 

YouTube: YouTube.com/@thepowerwithin

TikTok: TikTok.com/@motivuscoaching

Website: www.motivuscoaching.com

 

🎬 Filmed at Poddster Singapore

#youneverknow #podcast #life #leadership #relationships #growth #men


#2 — 5 Big Lessons I'm Taking Into 2025 For A More Conscious & Abundant Life19 Jan 202500:14:46

It's amazing how life can change so much in a year, a month, or even a day.

 

The only power we have is in the now, not in the past or the future. But we MUST learn from our past and our experiences to help us move forward with clarity, to know ourselves better, and to learn to align our actions more closely with our truer selves.

 

Before we leave 2024 completely behind, here are 5 BIG LESSONS I’m taking with me into 2025 and beyond for a more conscious, mindful, and abundant life.

 

Join me in Episode 2 of my new podcast, You Never Know with Nicole Lee, as I talk about the unexpectedness of life, why we always have a choice, and why it’s so powerful to live the life we want to live.

 

I hope you find it meaningful and helpful wherever you are on your journey, and whenever you are called to receive this message.

❤️

Nicole

 

———————————————————-

🔔 If you like what I’ve put out, like, subscribe or follow me on:

 

Website: http://youneverknow.co/⁠

YouTube: http://YouTube.com/@nicoleleethisisme

Spotify: https://open.spotify.com/show/5uRGujeye6cPVvaIGsAt7p?si=M5hKPV4iQoyKOK7TMB83bA

Apple Podcasts: https://podcasts.apple.com/us/podcast/you-never-know-with-nicole-lee/id1789078881

Instagram: ⁠http://instagram.com/nicoleleethisisme⁠

TikTok: ⁠http://tiktok.com/@nicoleleethisisme⁠

LinkedIn: ⁠http://linkedin.com/in/nicoleethisisme⁠

 

#youneverknow #podcast #life #2025 #abundance #newyear

#1 — Why I Left A Top Bank For A Startup & How It Changed My Life | My First Solo Podcast12 Jan 202500:18:47

It feels so unreal filming and launching the first solo episode of my new podcast, You Never Know with Nicole Lee.

 

It started with an idea. A dream. A vision of a part of me I’m meant to be amid the depths of my reflection more than a year ago.

 

A calling for me to share my truth, and those of others, with you and with the world. To talk about things we don’t normally talk about, especially here in Asia.

 

 

In this first official episode, I talk about why I’m starting my very own podcast, what it was like for me growing up in Singapore, why I left a top bank after more than a decade for a fintech startup, how it changed my life, and where I’m at today.

 

Join me as I breeze you through my journey over the past few decades, and why I’m now rewriting my life story and walking into my own unknown.

 

Welcome to the first drop of my new podcast, YOU NEVER KNOW, where we talk about life, career, change, and the stories of people who have taken the unconventional road and embraced life’s unknowns.

 

 

Wherever you are in the world, thank you so much for coming with me on my journey, and letting me be a small part of yours too.

 

I’m Nicole Lee and This. Is. Me.

 

❤️

Nicole

 

———————————————————-

🔔 WATCH, SUBSCRIBE & FOLLOW ME ON:

 

Website: ⁠http://youneverknow.co 

YouTube: http://YouTube.com/@nicoleleethisisme

Spotify: https://open.spotify.com/show/5uRGujeye6cPVvaIGsAt7p?si=M5hKPV4iQoyKOK7TMB83bA

Instagram: ⁠http://instagram.com/nicoleleethisisme⁠

TikTok: ⁠http://tiktok.com/@nicoleleethisisme⁠

LinkedIn: ⁠http://linkedin.com/in/nicoleethisisme⁠


Welcome To You Never Know: A New Podcast With Nicole Lee07 Jan 202500:01:10

Watch the trailer of my new podcast, You Never Know, where we talk about life, career, change and the stories of people who have taken the unconventional road and embraced the unknown. Where we talk about things we don’t normally talk about with our families and sometimes even with our friends, especially here in Asia.

You got this,
Nicole

#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.”29 Jun 202500:34:07

What if gold could pay you like rent, without you having to sell it?

In Episode 24, Eren Elvis Zekioglu returns to talk about one of the most important forces shaping the global economy—and one that powers how we live: commodities.

From oil and agriculture to gold, we explore how everything around us is ultimately a derivative of crude oil—and how this often-overlooked sector is entering a new chapter through tokenization.

We dive into why commodities are more relevant than ever, how tokenizing gold and other assets could open the door for investors to earn income without owning the entire asset, and how players in the supply chain can access alternative financing.

Eren also reflects on his calculative career path—from trading to hedge funds, to the world’s largest commodity trading houses like Glencore and Gunvor, co-founding the world’s first blockchain platform for post-oil trade settlements, VAKT, to founding his own venture, Kommoditize.

I hope this episode finds you exactly where you need it.

Chapters:
00:00 — Intro
00:56 — Why Commodities Power Everything
02:15 — From Hedge Funds To Glencore & Gunvor: A Culture Shock
03:55 — The Paper Problem in Commodities Trading
08:00 — Building Blockchain for Oil Traders
11:30 — Tokenizing Real-World Assets Explained
12:50 — How Gold Can Generate Income
16:30 — Alternative Financing Beyond Banks
22:15 — Funding the Commodities Supply Chain
23:55 — Can Investors Own a Slice of Oil, Ships, or Refineries?
26:30 — Lessons in Discipline, Macro Thinking, and Action
31:35 — Why Sporty Traders Are Less Corrupt 
32:45 — The Mariah Carey of Commodities
33:05 — Advice for Young People Entering the Industry🚀 Follow me for real conversations on life, career, taking the unconventional road and embracing the unknowns.


This is part 2 of my conversation with Eren. If you’d like to watch part 1 of his journey from theatre to trading, tune in to episode 21.


❤️

Nicole

—————

👉🏼 Follow Eren Elvis Zekioglu on:

LinkedIn: https://sg.linkedin.com/in/erenzekioglu   

Website: www.kommoditize.com

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠ ⁠

Website: http://⁠www.youneverknow.co/⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

 

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #contentcreator #trending #banking #investments #finance #hedgefunds #trading #commodities #gold #oil #equities #bonds #relationships #life #leadership #passion #success #business #entrepreneurship #jobs #career #transformation #growth #viral #viralvideos #empowerment #dream #courage #inspiration #motivation

#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.”16 Jun 202500:55:26

Did you know buying property in Singapore is a 5-move strategy—and most people stop at move one?

 

In this episode, I sit down with Farhan Adenan, a proud Malay-Singaporean who’s helping everyday people rethink what property really means—and how it can help them build long-term financial freedom.

 

We talk about what it’s like growing up Malay in Singapore, breaking out of cultural expectations, and how he’s reshaping the way his community sees ambition, ownership, and wealth.

 

He also opens up about the realities of being a new real estate agent—the stigma, the pressure, and why choosing purpose over transaction has not only elevated his chances of success, but also changed his life.

 

This episode is about identity, property, and building something bigger than yourself. I hope it finds you exactly when you need it.

 

Chapters:

00:00 – Intro 

01:32 – Growing Up Malay in Singapore 

04:20 – Breaking Cultural Norms & The "Comfort Trap" 

09:45 – Choosing to Dream Bigger 

13:30 – Starting A Business & Taking Risks 

17:50 – Why He Entered Real Estate 

20:10 – Stigma of Real Estate Agents & Earning Trust 

24:15 – Property As A 5-Move Strategy 

28:05 – How To Plan Beyond Your First Home 

30:40 – Common Property Mistakes 

35:20 – Advice For Young Malays & New Home Buyers 

38:45 – Wealth, Self-Belief & Life Lessons 

42:00 – Final Message: You Can Break The Mold 

 

🚀 Follow me for real conversations on life, career, taking the unconventional road and embracing the unknowns.

 

❤️

Nicole

 

—————

👉🏼 Follow Farhan Adenan on:

Instagram: www.instagram.com/farhan_adenan

Instagram: www.instagram.com/thefireplan_sg

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠https://sg.linkedin.com/in/nicoleethisisme

Website: http://⁠www.youneverknow.co/⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

 

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #contentcreator #trending #property #realestate #singapore #authenticity #parenting #identity #transformation #growth #viral #viralvideos #empowerment #dream #courage #inspiration #entrepreneurship #dad #asia


#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.”08 Jun 202501:02:27

He told his wife he wasn’t straight. Then became a father. Then came out as pansexual and gender-fluid. At 34 years old, Shawn Lim spent most of his life taking the arduous journey of navigating sexuality, gender, identity, marriage, and the emotional toll of suppressing who he truly is.

From gang fights and getting arrested twice as a young teen, to building a new path forward as a husband, father, and now starting his own company—this isn’t just a story about coming out. It’s about courage, self-love, redemption, and choosing to live with truth.

What ultimately pushed him to stop hiding? His daughter. Because if he wanted to raise her to be confident, authentic, and free—he had to first give himself that same permission.

If you’re curious about what the journey can be like for someone who is LGBTQ+, the struggles they face, and what it takes for someone to embrace their inner truth despite the odds—this episode is for you. I hope it finds you exactly when you need it.

Chapters:
00:00 How are you feeling today?  
03:12 What is pansexual and gender-fluid?  
06:45 Hiding his truth  
10:00 Gangs, rebellion, and getting arrested  
14:15 Growing up under strict control  
19:10 What if you never rebelled?  
22:45 The wake-up calls  
26:20 Starting over by leaving his secondary school
29:40 Meeting his wife  
33:10 Becoming a father  
36:55 Coming out publicly  
41:30 Honest conversations in marriage  
46:15 Faith, freedom, and authenticity  
51:00 Choosing truth and showing authenticity for his daughter  

🚀 Follow me for real conversations on life, career, taking the unconventional road and embracing the unknowns.

❤️
Nicole

—————
👉🏼 Follow Shawn Lim on
LinkedIn: https://sg.linkedin.com/in/mediumshawn 
Website: https://open.substack.com/pub/humanalgorithm?r=2o0p0w&utm_medium=ios 
TikTok: http://tiktok.com/@humanalgo 
Instagram: http://instagram.com/mediumshawn 

👉🏼 Follow Nicole Lee on:
LinkedIn: ⁠⁠https://sg.linkedin.com/in/nicoleethisisme 
Website: http://⁠www.youneverknow.co/⁠ 
Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠
TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #contentcreator #trending #lgbtq #Pride #love #pansexual #queer #selflove #authenticity #parenting #identity #transformation  #growth #viral #viralvideos #empowerment #dream #courage #inspiration #resilience #dad #asia 

#21 — Part 1: 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.”01 Jun 202500:56:17

From studying theatre to landing a job on Citi’s trading floor, building a hedge fund backed by Glencore, and running operations at Gunvor—one of the world’s largest independent commodity trading houses—Eren Elvis Zekioglu broke into finance without a degree, armed only with a bold letter, acting experience, and a lot of hustle.

 

In Part 1 of Episode 21 of You Never Know, we talk about how he navigated his way through Citi, Credit Suisse, UBS, and Glencore, what it really takes to thrive in the high-pressure world of trading, why emotional discipline and personality sometimes matter more than a CV, and how the brands you work for shape the doors that open for you.

 

From stories of mentorship, reflections on career pivots, and the moments that led him to the world of commodities—this episode is for anyone curious about the world of trading, hedge funds, commodities, and breaking into finance in unconventional ways.

 

Today, Eren is based in Singapore, where he is pioneering the tokenization of real-world assets like oil, gold, and coal through his new venture, Kommoditize—reimagining how global commodity trade flows in the digital era.

 

I hope this finds you exactly when you need it. Watch out for Part 2 with a focus on commodities and tokenization of real-world assets.

 

Chapters:

00:00 – From Theatre to Trading: Eren’s Unlikely Start

06:00 – The Bold Letter That Landed 18-Year-Old Eren an Interview at Citi

10:30 – Learning from the Ground Up: Trade Tickets & Coffee Chats

17:00 – The Mindset of a Trader: Emotional Discipline & Focus

24:00 – From Equities To Bonds: Building a Cross-Asset View

29:00 – Mentors, Lessons, and Building a Persona

39:00 – The Role of Big Brand Names in Your Career: Citi, UBS, Glencore, Gunvor

44:00 – Starting a Hedge Fund Backed by Glencore

49:00 – What It’s Really Like Inside a Hedge Fund

54:00 – The Transition into Commodities

57:00 – Wrapping Part 1: Reflections and What’s Next

 

🚀 Follow me for real conversations on life, career, taking the unconventional road and embracing the unknowns.

 

❤️

Nicole

—————

👉🏼 Follow Eren Elvis Zekioglu on:

LinkedIn: https://sg.linkedin.com/in/erenzekioglu   

Website: www.kommoditize.com

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠ ⁠

Website: http://⁠www.youneverknow.co/⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

 

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #contentcreator #trending #banking #investments #finance #hedgefunds #trading #commodities #gold #oil #equities #bonds #relationships #life #leadership #passion #success #business #entrepreneurship #jobs #career #transformation #growth #viral #viralvideos #empowerment #dream #courage #inspiration #motivation

#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!”25 May 202501:01:39

You’ve seen it on screen. But what’s it really like in the real ER? Dr. LIEW Wai Wai shares the raw, unfiltered truth about life as an emergency doctor—what it takes, what people don’t see, and why being an ER doctor is actually easier than being a mom.


We dive into the most surprising cases ER doctors have to face (cockroaches included…), the reality of working in the ER—shift work, emotional tolls, and what it demands from your life, and how different personalities fit different medical specializations. We also talk about why doctors can cry too, plus what happens when you’re forced to make life-or-death decisions… sometimes at 40,000 feet.

 

This was the funniest podcast I’ve ever recorded—but also one of the most real.

 

If you’ve ever wanted to go behind the scenes of the real ER, and find out what it’s like to be an emergency medical doctor, this episode is for you. I hope it finds you exactly when you need it.


Chapters:

00:00 – Intro: What’s It Really Like in the Real ER?

02:00 – Meet Dr. LIEW Wai Wai

04:00 – Do You Drive an Ambulance to Work?

06:00 – From Malaysia to Australia to Singapore: Wai Wai’s Journey

09:00 – Why Emergency Medicine?

15:00 – The Reality of Working in the ER

20:00 – The Cockroach in the Ear Story

29:00 – Doctors Can Cry Too

35:00 – Personality Types in Medicine

40:00 – The A380 Emergency Landing Story

54:00 – Why Being an ER Doctor Is Easier Than Being a Mom

57:00 – Lessons from the ER and Beyond

59:00 – The Funniest and Most Real Podcast I’ve Ever Recorded

 

❤️

Nicole 

—————

👉🏼 Follow Dr. LIEW Wai Wai on:

Instagram: https://www.instagram.com/wai_m_i_here?igsh=d3l2ZGNjZnQ0cmZy  

LinkedIn: https://sg.linkedin.com/in/wai-wai-liew-28117032a  

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠ ⁠

Website: http://⁠www.youneverknow.co/⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

 

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #contentcreator #trending #women #mom #doctor #medicine #healthcare #emergency #er #relationships #life #leadership #passion #success #business #entrepreneurship #jobs #career #transformation #growth #viral #viralvideos #empowerment #dream #courage #inspiration #motivation #power #singapore #malaysia #australia

#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.”18 May 202500:10:24

Have you ever felt like your life was a movie?

 

One minute, you’re in a romantic comedy. The next, a drama with a plot twist no one saw coming.

 

But what if life isn’t just a movie? What if it’s a whole cinema?

 

You get to choose which movie to be in.

Write it.

Rewrite it.

I know—it sounds crazy.

But what if it’s real?

 

What if you’re more powerful than you think?

 

🚀 Follow me for real conversations on life, career, taking the unconventional road and embracing the unknowns.

 

❤️

Nicole

 

—————

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠ ⁠

Website: http://⁠www.youneverknow.co/⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠

 

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #contentcreator #trending #women #men #relationships #life #movie #love #leadership #success #business #entrepreneurship #jobs #career #transformation #growth #viral #viralvideos #empowerment #dream #courage #learn #inspiration #motivation #spirituality #power

#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.”11 May 202500:50:34

You shouldn’t need a bank — or 4x your country’s GDP per capita — just to buy a government bond. But in many parts of the world, that’s still the reality. And for Aaron Gwak, it was a problem worth solving.

 

Born in Korea, raised in Ghana, and shaped by two decades in investment banking, Aaron spent years helping governments and financial institutions raise capital through bonds. From UBS to Standard Chartered, he saw how the system worked — and who it left behind.

 

Today, he’s the founder of Libeara, a platform using blockchain and tokenization to create greater access to government bonds and funds — making finance more inclusive, transparent, and human.

 

In this episode, I speak with Aaron Gwak about:

·      What life in Ghana taught him about inequality, possibilities, and purpose

·      The unexpectedness of entrepreneurship and a career in banking

·      Why investor eligibility ≠ accessibility

·      The deeper truth behind blockchain and tokenization

·      Money, mindset & reclaiming ownership in investing

 

This isn’t just a conversation about finance or tech. It’s about ownership, financial access, and daring to build a new path. I hope this episode reaches you exactly when you need it.

 

Chapters:

00:00 – Intro

01:38 – Growing up in Ghana as a Korean kid

06:14 – Learning about income disparity, possibility & belief

09:47 – Culture shock returning to Korea

13:25 – The accidental e-sports pioneer

17:43 – Entering finance by fluke: UBS & Standard Chartered

20:27 – Behind the scenes of investment banking

23:56 – What led him to found Libeara

27:19 – Why buying government bonds is so difficult

31:47 – Living abroad but shut out from investing at home

33:21 – The role of blockchain in increasing trust and access

36:36 – Building “proper” tokens vs synthetic wrappers

42:47 – How tokenization changes the way we interact with wealth

44:32 – Regulated Web3 and taking the long road

46:08 – Money, mindset & reclaiming ownership in investing

47:06 – DJ Aaron, music moods & fatherhood

48:06 – Advice to his daughters

49:32 – What he’d do a TED talk on (hint: not finance)

 

❤️

Nicole

 

—————

👉🏼 Follow Aaron Gwak on:

LinkedIn: https://sg.linkedin.com/in/aaron-gwak-008a1524

Website: https://libeara.com/

 

👉🏼 Follow Nicole Lee on:

LinkedIn: ⁠⁠http://linkedin.com/in/nicoleethisisme⁠ ⁠

Website: http://⁠www.youneverknow.co/⁠

Instagram: ⁠⁠http://instagram.com/nicoleleethisisme⁠⁠

TikTok: ⁠⁠http://tiktok.com/@nicoleleethisisme⁠⁠ 

 

🎬 Filmed at: Poddster Singapore

#youneverknow #podcast #contentcreator #trending #men #blockchain #tokenisation #leadership #success #business #entrepreneurship #jobs #career #transformation #growth #viral #viralvideos #empowerment #dream #courage #learn #ghana #africa #Singapore #asia #inspiration #finance #investing #startup

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