Cash Talk

Most people focus on the numbers in their finances, but overlook the behaviours driving them.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) explore the behavioural side of financial planning, and why understanding your relationship with money is key to achieving long-term financial success.Join John and JK as they unpack how your past experiences shape your money habits, the importance of understanding your ‘why,’ and ways to start teaching healthy financial behaviours to your children.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast) ⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠ Follow JK on Instagram: Instagram (@jkoutsouroupas)⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠ Have a question you'd like answered?Reach out to us via our Instagram pages above.

You insure your car, your home, and your belongings. But have you protected your most important asset? Yourself?In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari discuss the crucial role personal insurance plays in safeguarding your family’s financial security.Join John and Anthony as they break down the four key types of personal insurance, highlight the risks of underinsurance, debunk common misconceptions and share some real client stories from over the years.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast) ⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠ Follow Anthony on Instagram: Instagram (@acaligari_finance) ⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠ Have a question you'd like answered?Reach out to us via our Instagram pages above.

Life is rarely a straight line; it’s a series of unexpected events, but it’s how we handle those pivots that ultimately determines our financial future.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn dive deep into the reality of "The Pivot." Whether it’s an unexpected redundancy, a surprise addition to the family, or navigating a divorce, these life shifts don't have to mean the end of your financial goals.Join John and Mason as they discuss the critical role of financial buffers, how to navigate trade-offs and "deficit years" during life's unexpected events, and why staying disciplined to your long-term plan is the key to surviving a curveball without derailing your future.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Mason on Instagram: Instagram (@mason.thorn)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above.

Most people’s mindset is to pay off their debt before they think about investing or even protecting their wealth. But is this singular focus actually costing you opportunities and financial freedom?In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder break down the "debt-first" trap and reveal the true cost of forgoing 10 to 15 years of compounding and protection in the pursuit of being debt-free as quickly as possible. Join John and Ayten as they discuss implementing a system of both sacrifice and reward, the dangers of "stealing" from your future to fund today, and how to align your current actions with the future lifestyle you actually want to live.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above.

Did you know that 80% of New Year’s resolutions are forgotten by the end of January? Most of us start the year with the best intentions, but without a plan, momentum quickly fades.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn explore the biggest takeaways from 2025 and how you can use them to level up this year, helping you make more aligned financial decisions and set achievable, meaningful goals.Join John and Mason as they explore 2025’s economic and market events, share their 2026 goals, and discuss strategies for setting milestones that are ambitious yet achievable.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Mason on Instagram: Instagram (@mason.thorn)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above.

Parenthood is one of life’s most rewarding journeys - but it also comes with significant emotional, lifestyle, and financial changes that are often underestimated.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder break down what it really takes to financially prepare for bringing a child into the world, far beyond just the initial costs.Join John and Ayten as they explore key considerations, the importance of planning and strategy, and how aligning your financial decisions can help create a smooth transition into parenthood.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above.

ETFs, managed funds, and LICs are all popular ways to invest, but understanding how they differ and knowing which suits your goals can make all the difference.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) break down how these investment vehicles work, what sets them apart, and how they can fit into your long-term wealth strategy.Join John and JK as they unpack the key considerations of each, from fees and tax to diversification, dividends, and everything in between.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow JK on Instagram: Instagram (@jkoutsouroupas)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above.

It’s easy to dismiss the small fees and expenses, but these erosions accumulate, often unnoticed, and can have a major impact on your future wealth.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn unpack the concept of Wealth Erosion - the small, compounding factors that can significantly reduce your wealth over time, often without you realising. Join John and Mason as they explain how erosion differs from loss, outline the financial, economic and behavioural eroders, and share tips for preventing these habits from compounding into larger, long-term setbacks.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Mason on Instagram: Instagram (@mason.thorn)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above.

Risk is everywhere. In markets, in behaviour, and in the choices we make with our money. However, not all risks are bad, some just need to be understood and managed.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder unpack the many sides of risk, from financial, behavioural, to emotional.Join John and Ayten as they break down the different types of risk, how to mitigate them effectively, and how financial planning can ease the stress of uncertainty. Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Investing isn’t about trying to time the market, it’s about setting a goal, choosing the right strategy, and having the discipline to follow it through.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari explore the essentials of investing: dollar-cost averaging, rebalancing and risk tolerance. Join John and Anthony as they break down how they work, when they help, and the role of behaviour and knowledge in staying disciplined with each strategy. Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Anthony on Instagram: Instagram (@acaligari_finance)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Over the past five years, financial advice has made a progressive shift toward a more holistic financial advice model.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn unpack the differences between traditional and holistic financial advice, as well as how they work with their clients. Join John and Mason as they explore our goal-based, purpose-driven approach to financial planning, the role of ongoing coaching, and how to choose the approach that’s right for you.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Mason on Instagram: Instagram (@mason.thorn)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Setting your kids up isn’t just about the money you give them. It’s about the habits you build and the knowledge you pass on to help them create wealth for themselves.   In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder explore investing for your kids, what compound interest is and how it works, and the idea of “compounding knowledge.”Join John and Ayten as they cover ways you can invest for your kids, key tax, time and risk considerations, and how to blend financial literacy with investing and compound interest to give your kids a head start in life.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Building wealth doesn’t have to be complicated. It starts with small, consistent steps in the right direction that compound over time. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn unpack the seven lessons from the classic finance book, The Richest Man in Babylon by George Samuel Clason. Join John and Mason as they turn those parables on saving, investing, and wealth-building into simple, actionable steps for your finances.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Mason on Instagram: Instagram (@mason.thorn)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

There are plenty of “pay-it-off-faster” mortgage strategies, but if they don’t fit your situation, or aren’t done correctly, they can push you deeper into debt instead of getting you out.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caliari unpack key lending features, from offset accounts and interest rates to using equity, debt recycling, and more.Join John and Anthony as they explain what these strategies mean, how they work, and when they are most appropriate and when they’re not.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Anthony on Instagram: Instagram (@acaligari_finance)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Buying your kids a car or a home is generous. However, teaching them how to buy their own is generational. In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and Mason Thorn unpack how parents can help build financial literacy with their 15 to 25-year-olds and have real conversations about creating and managing wealth.Join John and Mason as they explore when to build wealth for your kids, when to build it with them, and when to step back, so they can learn to do it themselves.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Mason on Instagram: Instagram (@mason.thorn)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Whether you’re a young couple, a renting family, or a parent helping your kids, buying a first home is a major milestone in your financial life.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers and Mortgage Brokers, John Cachia and Anthony Caligari explain how lenders assess first-home buyers, covering borrowing power, deposits, LVR/LMI, gifting rules, and money-saving concessions.Join John and Anthony as they provide expert tips, debunk common myths, and help you avoid costly mistakes so you can make a confident start in the property market.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Anthony on Instagram: Instagram (@acaligari_finance)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Family trusts are a buzzword at the moment, but they’re not always the right fit for everyone.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) break down what a family trust is, how it works, and when it can actually add value.Join John & JK as they unpack the benefits, the pitfalls, and the biggest misconceptions. If you’ve ever wondered whether a trust is right for you, this episode will give you the clarity you need.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow JK on Instagram: Instagram (@jkoutsouroupas)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

It’s not about how much you earn. It’s about your structure, your spending, and your habits.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caliari share strategies for building a surplus, controlling lifestyle creep, and aligning your spending with your goals, so you can get ahead without feeling restricted.Join John and Anthony as they explore how to set realistic savings targets, build a cashflow structure, and create alignment with your partner to work toward your shared goals.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Anthony on Instagram: Instagram (@acaligari_finance)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

As your goals, lifestyle, and age evolve, so should your investment strategy, because the approach that works at 30 isn’t the same one you need at 50.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas dive deep into how your financial needs, behaviours, and risk appetite change over time, and why your investment strategy must grow and adapt with you.Join John and JK as they share their personal investment journeys, the philosophies they use when investing for their clients, and how strategies shift to suit each stage of life.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow JK on Instagram: Instagram (@jkoutsouroupas)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

A new financial year brings new changes, fresh opportunities, and the perfect chance to take control of your financial position and where you want to be in the year ahead.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caliari break down the key FY25 changes that could impact your wealth strategy.From the super guarantee increase to tax-saving contribution strategies and the proposed Division 296 tax law, they explain what it all means for you.Join John and Anthony as they share their tips for getting ahead this financial year and how to start turning your goals into realityEnjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Anthony on Instagram: Instagram (@acaligari_finance)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

You’ve read a couple of books, set goals, maybe even downloaded a budgeting app… so why hasn’t your financial life transformed?In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Dr Philip Courtenay, founder of Humans & Money, helping individuals and businesses transform by tapping into the science behind our financial decision-making.Together, they unpack the deeper reasons we struggle to take meaningful action with money, diving into mindset, behavioural blocks, urgency, and the psychology of motivation.Enjoyed this episode and want to hear more?Follow Dr Philip Courtenay on LinkedIn: LinkedIn (@philipcourtenay)Explore the Humans & Money Website  Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

You might be earning more, but without a clear picture of what “on track” looks like for you, how can you tell if you’re getting ahead?In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari unpack what it really means to be financially “on track”, and how to align your money with a fulfilling life on your terms.They explore the behaviours, habits, and mindset that lead to progress, from making the most of your surplus cashflow to building strong foundations and giving your money purpose beyond just income.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Anthony on Instagram: Instagram (@acaligari_finance)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above0

From the outside, people see John Cachia’s success, lifestyle and wins. But behind the lifestyle is a story of decades of hard work and sacrifice. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Koutsouroupas (JK) is joined by Burcu Cachia, wife of John Cachia and the real boss of the family, to explore what it takes to create a life built on teamwork, a shared vision, and fulfilment.Join JK & Burcu as they reveal what John is really like behind the scenes, how they teach their kids about life and money, and how they juggle the chaos of life with enjoying the present.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow JK on Instagram: Instagram (@jkoutsouroupas)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Thinking about getting a buyer’s agent, but not sure if it’s worth it or just another expense?In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Matt Skehan from Azure Buyers Agents to explore what a buyer’s agent really does, and why their role is becoming increasingly valuable in a competitive market. They also break down who benefits most from using a buyer’s agent, how to choose the right agent, and how expert guidance can help you avoid costly mistakes and make smarter, more aligned property decisions.Enjoyed this episode and want to hear more?Follow Matt Skehan on Instagram: Instagram (@matt_skehan_azure)Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Everyone’s talking Cryptocurrency, but is it just FOMO or a must-have in your portfolio?In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Head of Digital Assets, Justin Arzadon, from Betashares, to debate whether Crypto belongs in a well-diversified portfolio.While Betashares embraces crypto as a new asset class, John remains cautious, questioning when (or if) it’s the right time to invest in it.Together, they explore different types of digital assets, risk management, the role of education, practical tips for investors at every stage, and more.Enjoyed this episode and want to hear more?Learn More About Betashares Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

You don’t need to be rich, older, or ready to sacrifice your lifestyle to benefit from financial advice.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia and Leah Bonnacci unpack the most common misconceptions that we often hear preventing people from seeking financial advice.They explore why financial advice isn’t just for the wealthy, how it can support your lifestyle (not limit it), why the best time to get advice might be sooner than you think, and who it’s truly for.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Financial advice isn’t just about retirement; it’s about creating a life where your money supports your goals, instead of holding you back.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder, unpack why so many people feel stuck trying to “DIY” their finances and the turning points that signal it’s time to seek professional advice.They share what they look for when working with clients, the benefits of starting early, and why the right adviser does more than manage money - they help you build a purposeful life with clarity, confidence, and time on your side.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

The countdown to EOFY is on, and now’s the time to get proactive to avoid last-minute stress and missed tax savings.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK), answer their most asked EOFY and tax questions, and share how to approach the end of financial year feeling prepared and in control.They answer:What should you know about concessional, non-concessional, and catch-up super contributions before June 30?What’s a tax-effective way to approach structuring for self-employed individuals?What are the most commonly missed tax deductions that could make a difference? What’s your top advice for effective tax planning heading into the new financial year?Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow JK on Instagram: Instagram (@jkoutsouroupas)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

**This episode was recorded on 22nd April 2025Trade tensions, inflation, government spending, and market volatility — these aren’t just headlines, they’re shaping the future of our economy.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Brian Parker, Chief Economist at Australian Retirement Trust for a deep dive into the current economic challenges, shifts, and opportunities.John and Brian break down the impact of tariffs, rising U.S.–China tensions, and how these are influencing inflation and economic conditions in Australia. Brian also weighs in on rate cut prospects, the upcoming federal election, budget challenges, and the effects of government spending.Enjoyed this episode and want to hear more?Learn more about Australian Retirement TrustFollow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Long-term investing success takes more than just “picking the right stocks” — it requires strategy, discipline, risk management, and purpose.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK), explore how we build investment portfolios for our clients.They deep dive into the Thriving Wealth investment philosophy, how we create certainty, the importance of removing emotion from investing, and the dangers of speculation.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow JK on Instagram: Instagram (@jkoutsouroupas)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Being self-employed comes with a different set of considerations than employees, especially with no obligation to contribute to super. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari discuss the common and costly oversights business owners make when it comes to their finances. Join John & Anthony as they explore the importance of regular super contributions, having a well-diversified business and separating yourself from your business.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Anthony on Instagram: Instagram (@acaligari_finance)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Fear and greed are two of the most powerful emotional forces driving your financial behaviour — and most people don’t realise how much they’re influencing your decisions.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder unpack the dangers of fear and greed and the impact they can have on your long-term financial plan. They explore the emotional rollercoaster of the investor cycle, how reactive decisions are heightened during major life events, the way media and social environments intensify these pressures, and how a systemised plan can help you stay grounded, find balance, and cut through the noise.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

The 2025-26 Federal Budget is here, and while it may not be packed with surprises, there are key updates that could have a real impact on your finances – especially with an election on the horizon.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn unpack the Government’s latest proposals and what they mean for everyday Australians like you.From tax cuts and HELP debt relief to superannuation reforms, investment insights, family support, home ownership, and more; John and Mason break it all down, helping you understand how this year's budget affects your financial future.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Mason on Instagram: Instagram (@mason.thorn)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

The markets are down, volatility is back, and uncertainty is surrounding the headlines and media. With so much noise and conflicting opinions on what to do next, it’s easy to feel overwhelmed.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari break down the latest market turbulence—what’s driving it, how it affects investors, and tips on what you should (and shouldn’t) do during these times.They also answer your top questions, including:• What’s causing this stock market volatility?• How can you safeguard your investments during economic uncertainty?• What role does the media play in market swings?• Should you sell, hold, or adjust your portfolio?Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠Follow Anthony on Instagram: Instagram (@acaligari_finance)⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Self-Managed Super Funds (SMSF’s) and property have been all over the media - but is buying property through your SMSF the right move? In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) debunk some of the myths, pros, cons, and considerations of SMSF property investment.They also explore the importance of getting the right advice from the right professionals, the responsibilities of managing an SMSF, and the growing concerns around property syndicates.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: @thecashtalkpodcast⁠⁠⁠Follow John on Instagram: ⁠@thejohncachia⁠Follow JK on Instagram: @jkoutsouroupas⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠@thriving.wealth⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

The Reserve Bank of Australia (RBA) held its first meeting of 2025, announcing a 25 basis point cut to the cash rate target, bringing it down to 4.10%In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari, break down the RBA’s decision its impact on mortgage holders, investors and the broader economy. With this being the first rate cut in years, John and Anthony share insights on what it means, key factors to watch, and practical tips on making the most of your mortgage savings.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: @thecashtalkpodcast⁠⁠⁠Follow John on Instagram: ⁠@thejohncachia⁠Follow Anthony on Instagram: @acaligari_finance⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠@thriving.wealth⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

Finances are one of the leading causes of divorce in Australia. With money having the ability to make or break a relationship, it doesn’t have to. So, when is the right time to have “the money talk”?In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn, dive deep into the complex world of finances and relationships. They explore what makes two people financially compatible and how to navigate the transition from “me” to “we”. From tackling sensitive topics like income disparity to navigating remarriages, binding financial agreements, and sharing both personal and client experiences, John and Mason cover it all.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: @thecashtalkpodcast⁠⁠⁠Follow John on Instagram: ⁠@thejohncachia⁠Follow Mason on Instagram: @mason.thorn⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠@thriving.wealth⁠⁠⁠Have a question you'd like answered?Reach out to us via our Instagram pages above

With Australia set to experience the largest intergenerational wealth transfer in history – $3.5 trillion over the next 20 years – many Australians will find themselves inheriting significant assets or funds.In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn explore how to navigate an inheritance wisely.They discuss emotional and financial challenges, common pitfalls, the importance of estate planning, as well as the growing trend of early inheritances.Enjoyed this episode and want to hear more?Follow Cash Talk on Instagram: @thecashtalkpodcast⁠⁠⁠Follow John on Instagram: ⁠@thejohncachiaFollow Mason on Instagram: @mason.thorn⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠@thriving.wealthHave a question you'd like answered?Reach out to us via our Instagram pages above

Major economic changes are unfolding worldwide, impacting inflation, investments, and interest rates. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) answer your questions and concerns about the economy and markets.  From Trump’s tariffs and their impact on Australia to the RBA’s next rate decision and record-high investment prices, we break it all down. Enjoyed this episode and want to hear more? Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast) ⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠ Follow JK on Instagram: Instagram (@jkoutsouroupas) ⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠ Have a question you'd like answered? Reach out to us via our Instagram pages above

The Australian dream of owning a property isn’t as attainable as it once was. And for many, it’s becoming a financial burden rather than a path to financial freedom. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari, dive deep into the great Australian dream of owning property and the realities of homeownership.  With skyrocketing property prices, social media-driven expectations, and mounting financial pressures, many Australians are stretching their budgets to the limit to secure their dream home or investment property.  But at what cost? Are they truly setting themselves up for financial success, or just treading water? Enjoyed this episode and want to hear more? Follow Cash Talk on Instagram: @thecashtalkpodcast ⁠⁠⁠Follow John on Instagram: ⁠@thejohncachia⁠ Follow Anthony on Instagram: @acaligari_finance ⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠@thriving.wealth⁠⁠⁠ Have a question you'd like answered? Reach out to us via our Instagram pages above

Many think that earning more money will solve their financial problems, but often, the opposite happens. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder, explore why earning more money doesn't always lead to financial success. They discuss the common pitfalls of lifestyle inflation, and debt-fueled lifestyles causing financial progress to stall.  John and Ayten also share strategies to break free from this cycle and ensure 2025 is the year of real financial growth. Enjoyed this episode and want to hear more? Follow Cash Talk on Instagram: @thecashtalkpodcast ⁠⁠⁠Follow John on Instagram: ⁠@thejohncachia)⁠⁠⁠ ⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠@thriving.wealth)⁠⁠⁠ Have a question you'd like answered? Reach out to us via our Instagram pages above

Are you ready to take your career and finances to the next level? In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Natalie Piscopo, a recruitment and networking talent specialist. Together, they explore what employers are looking for, the importance of personal growth, and how hard work and willingness can advance your career. John and Natalie also share their journeys and dive into how your career can support your path to financial freedom, with strategies to thrive both professionally and financially. Connect with Natalie: Follow VCJ Recruiting on Instagram: @VCJ_Recruitment Visit the VCJ Recruiting Website Tune into Natalie’s Hot & Hired Podcast Enjoyed this episode and want to hear more? Follow Cash Talk on Instagram: @thecashtalkpodcast ⁠⁠⁠Follow John on Instagram: ⁠@thejohncachia)⁠⁠⁠ ⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠@thriving.wealth)⁠⁠⁠ Have a question you'd like answered? Reach out to us via our Instagram pages above

Got questions about your finances? We've got answers! In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari wrap up the year by answering the financial questions you're most curious about. From knowing when you’re ready to see a Financial Adviser to what investments you should focus on, they give clarity on some of the challenges and opportunities many Australians often face. Enjoyed this episode and want to hear more? Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast) ⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠ Follow Anthony on Instagram: Instagram (@acaligari_finance) ⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠ Have a question you'd like answered? Reach out to us via our Instagram pages above

Reflection and planning are key to growth, helping you improve and progress each year. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn reflect on the financial lessons, achievements, and milestones of 2024 while providing actionable strategies to set yourself up for a successful 2025. They explore the importance of reviewing the past year and share tips to improve all areas of your life in the year ahead, helping you work toward living a more fulfilling life on your terms. Wishing you a happy holiday season and a Merry Christmas to those who celebrate! Enjoyed this episode and want to hear more? Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast) ⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠ Follow Mason on Instagram: Instagram (@mason.thorn) ⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠ Have a question you'd like answered? Reach out to us via our Instagram pages above

A long-term client of ours referred over 30 people to us…but none of them reached out.  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) delve into the stereotypes surrounding the term ‘financial adviser’ and how these perceptions lead to hesitation in seeking professional advice.  John and JK explore the innovative impact Thriving Wealth has in the industry, leading a more holistic approach to financial planning beyond the numbers. Enjoyed this episode and want to hear more? Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)  ⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠ Follow JK on Instagram: Instagram (@jkoutsouroupas) ⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠ Have a question you'd like answered? Reach out to us via our Instagram pages above

Financial success is about much more than the numbers in your bank account—it’s deeply tied to your money mindset, behavioural patterns, and emotional trauma. As well as your ability to not just earn money, but use it to live a fulfilling life. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Global Business Psychologist, Simi Rayat and Gestalt Psychotherapist, Mark Colletti to explore the deep connection between mindset, behaviour, emotions and financial decisions.  Together, they discuss how our beliefs and trauma shape our relationship with money, driving behaviours like seeking comfort in the familiar, the fear of change, and the downfall of individualism. Enjoyed this episode and want to hear more? ⁠⁠Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠ ⁠⁠⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠⁠⁠ Follow Simi on Instagram: Instagram (@simirayat_cpsychol) Follow Mark on LinkedIn: @markcolletti Have a question you'd like answered? Reach out to us via our Instagram pages above

The recent US election has seen heightened investment markets, fueling fear, FOMO, and a rise in speculative investment trends.  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn delve into how these emotions are influencing investor behaviour, leading many to chase quick returns through speculative investments. John and Mason explore the risks of making decisions influenced by confirmation bias and the pitfalls of prioritising short-term gains over a long-term strategy and risk management. South Sea Company further reading Enjoyed this episode and want to hear more? ⁠Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠ ⁠⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠ Follow Mason on Instagram: Instagram (@mason.thorn) ⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠⁠ Have a question you'd like answered? Reach out to us via our Instagram pages above

The rising cost of living has had a significant impact on household budgets, with cashflow getting eaten up quicker than usual.  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari explore how to master your cash flow, the oxygen of your finances. They discuss how your habits and mindset affect your money, ways to overcome financial stagnancy, and strategies for building flexible, sustainable cash flow systems. Enjoyed this episode and want to hear more? Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast) ⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠ Follow Anthony on Instagram: Instagram (@acaligari_finance) ⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠ Have a question you'd like answered? Reach out to us via our Instagram pages above

It’s the most wonderful time of the year, but also one of the most expensive. With sales, gift-giving, and societal expectations, Christmas often brings financial strain for many families. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder dive into the psychology behind Christmas spending. They explore the true meaning of the holiday session, as well as the importance of awareness, communication and delayed gratification to create a joyful, stress-free end of year. Enjoyed this episode and want to hear more?⁠⁠⁠ Follow Cash Talk on Instagram: Instagram @thecashtalkpodcast) Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠ ⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠ Have a question you'd like answered? Reach out to us via our Instagram pages above

Investment bonds are managed fund investments provided by a life insurance company, but Australians are now viewing them as an alternative to superannuation?  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn break down investment bonds, exploring their benefits and when they might be a smart alternative or addition to superannuation.  Join John and Mason as they address common concerns around super, explore the tax benefits of investment bonds, and dive into legacy planning for both options.  As well as deep-diving into how combining these two strategies can be a powerful tool in your financial plan. For further reading on Investment Bonds - Wealth Building With Investment Bonds Enjoyed this episode and want to hear more? ⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠ ⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠ Follow Mason on Instagram: Instagram (@mason.thorn) Have a question you'd like answered? Reach out to us via our Instagram pages above