Rachel Hart

Rachel Hart

Hi, I'm Rachel. I spent eight years as a corporate financial analyst and plenty more living paycheck to paycheck - so I know both sides of the kitchen table. I write about money with real numbers, zero jargon, and no shame. If I could fix my finances, so can you.

Investing

Does FX Hedging Actually Help You Sleep Better?

There's a popular myth in personal finance: remove FX volatility from your portfolio and you'll sleep better at night. But most investors with foreign holdings don't even know which macro trade they're actually running.

Investing

It Will Now Cost Less to Buy SGX-Listed Stocks

SGX is cutting the minimum board lot from 100 shares to just 10 starting October 2026. Here's what that means for your entry price — and why it matters if you've been waiting on the sidelines.