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About This Podcast
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
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Recent Episodes
S3E43 #43 — She Left Visa To Confront What The System Never Told Women | Maaike Steinebach: “Why Do I Know Nothing About This?”
Maaike Steinebach, former CEO of Visa for Hong Kong and Macau, walked away from 25 years of financial services and tech to found FemTech Future — an advisory platform closing the gender health gap…
S3E42 #42 — Full-Time YouTuber: Is It Worth It? | Max Chernov on Choosing Singapore & Reinvention
Max Chernov built a YouTube channel interviewing expats, entrepreneurs and billionaires across Asia. Born in Russia, lived in eight countries, and now calls Singapore home. We talk about living in…
S3E41 #41 — No Gold Behind Paper Gold | Christophe Numa: "Gold Is Not A Speculative Asset."
Most people think they own gold. They don't. I discuss all things gold with Christophe Numa, Founder & CEO of Gauld — who spent over a decade building businesses around physical gold, from…
S3E40 #40 — Best Cities In The World To Live & Work | Nirbhay Handa
If you could live anywhere in the world, would you know where to go? I speak with Nirbhay Handa, global mobility entrepreneur & CEO of Multipolitan, about how cities are evolving, why global…
S3E39 #39 — Your Body Never Forgets: What Pain, Disease & Insomnia Are Telling You | Sufen Paphassarang: “It’s Never Just A Headache or Illness.”
Your headaches, pain, and illness aren't random — they're your body telling you something. Sufen Paphassarang reveals how your body stores every suppressed emotion — knowing exactly where, what…
S3E38 #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.”
Why do some rich people still feel poor? When is enough money, enough? Kees Stoute, former CEO of EFG Bank for Hong Kong and Singapore, and author of the book Help! I’m Rich!, believes the biggest…
S3E37 #37 — Investing Mistakes Most People Make | Sameer Deshpande: “I Used To Convert My Short-Term Trades Into Long-Term Investments.”
Many investors say they want to “make a lot of money.” But that’s not a strategy. Sameer Deshpande, Head of Wealth Management for Asia Pacific at Emirates NBD, reveals the investing mistakes that…
S3E36 #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.”
We trust hospitals with our lives — but what if the future of healthcare isn’t in hospitals at all? I sat down with Dr. Timothy Low, former CEO of Gleneagles Hospital and Farrer Park Hospital in…
S2E35 #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.”
What does the world feel like to a 15-year-old today?In this episode, host Nicole Lee speaks with Joshua Goh, a student from National Junior College in Singapore, about growing up in a time of rapid…
S2E34 #34 — Sales Is Like Dating: Rejection, 38x Returns & Private Markets In Asia | Jahnavi Bhagwati: "Learn To Walk Away." "Find Ways To De-Risk."
Sales is like dating. You read the signals. You invest the time. And sometimes, you get ghosted.In this episode of the You Never Know Podcast, host Nicole Lee sits down with Jahnavi Bhagwati, founder…
S2E33 #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.”
Veteran banking leader Philip Kunz dismantles the biggest myths about rising in banking — from promotions and politics to influencing people who don’t report to you.Across 40 years in wealth…
#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."
Former Singaporean hedge fund executive Pei Chan opens up about her addiction to corporate burnout, the shock of being made redundant, why she transitioned to teaching breathwork full-time — and how…
#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.”
Former Political Secretary to then–Malaysian Prime Minister Najib Razak, Ei Sun OH, shares his honest reflections on what it was really like working inside Malaysia’s seat of power — and why he…
#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!”
Is there still job security in a bank? That's the question Urs Brutsch, Founder & CEO of HP Wealth Management, explores in this episode.After decades leading private banking in Asia across Credit…
#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!”
Plastic surgery. Is it vanity or empowerment? What if it helps give you back what you lost after childbirth, illness, or the hectic demands of life? And the question everyone asks: is it safe?In…
#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!”
If you're applying to U.S. universities from outside the U.S. — especially from Asia — this episode reveals what it really takes to break in.In this insightful episode of the You Never Know Podcast,…
#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!”
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…
#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.”
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…
#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.”
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…
S1E24 #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.”
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…
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You Never Know with Nicole Lee has published 43 episodes since January 2025, covering topics in Business, Careers.
You Never Know with Nicole Lee is currently highly active with new episodes every 2 weeks. Average episode length is 51m.
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