In the true spirit of the end of 2020, Michelle shares the biggest lessons that she has learnt this year, from the perspective of saving, spending and investing. She covers more controversial conversations around not using fixed deposits and investments into "boring", low risk, high return assets. 

01:38: Park your savings outside of fixed deposits and savings accounts

03:09: High yield/interest savings accounts

05:22: Using StashAway Simple

08:16: How to consciously spend without comparing to peers

10:14: My biggest investing lessons in 2020

14:21: My investment learnings & proposition

15:12: My 2021 investment direction & my current ETF portfolio

20:32: How I invest outside of Malaysia

22:50: TL;DR: Summary of today's podcast