The SME dream is built on hustle, but what if your retirement plan hinges on a highly speculative sale? Stop gambling on perfect timing. Howie Lim speaks to Grace Tay of finexis to uncover the true surplus after "oxygen" and "risk," dissecting the firewall between business and personal wealth. Learn how to structure your enterprise for a passive paycheck—because succession isn't selling, it's surviving gracefully.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:34 The true surplus: free cash flow after 'oxygen,' risk, and growth budgets

06:12 Wealth preservation vs. high returns: sacrificing liquidity for stability

11:09 Succession is not a sale

15:22 The price of pride: enforcing a hard cap on personal injections

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Grace Tay, associate director, finexis advisory

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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