Episodes
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Bigger House, Bigger Debt? The Financial Decisions That Follow You Into Retirement
Could the biggest financial decisions you make today shape the retirement you have tomorrow? From upgrading your family home to buying an investment property, spending big on retirement travel or deciding whether to keep working another year, some financial decisions can have a much bigger impact...
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''Just One More Year'' When Is It Actually Time to Retire?
What happens when “just one more year” of work turns into five? For many people approaching retirement, the decision isn't simply about reaching a particular superannuation balance. It can also involve uncertainty, lifestyle, health, family, and the question of what retirement will actually look...
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Your Will Isn’t Enough- 5 Estate Planning Documents You Need
Estate planning isn’t just about deciding what happens to your assets after you die. It’s also about making sure the right people can make important decisions for you if you’re no longer able to make them yourself. In this episode, financial advisers Amy Lehmann and Robert Goudie break down five...
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Defined Benefit Pensions: Take the Lump Sum or Lifetime Income?
Would you take a guaranteed income for life, or a lump sum that could potentially be passed on to your family? In this episode, financial advisers Rob Goudie and Ash Rowan break down the key considerations around defined benefit pensions and the choices people may face as they approach…
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Can You Actually Afford to Retire? The Number You’re Probably Getting Wrong
How much do you really need to retire? And is your super balance the best way to answer that question? In this conversation, financial advisers Amy Lehmann and Rob Goudie unpack some of the common assumptions people make when planning for retirement, from chasing a particular super balance to...
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Do You Really Need to Be Wealthy to Get Financial Advice
What actually stops people from seeking financial advice? In this episode, Robert Goudie and Rachael Todman discuss some of the common misconceptions and barriers that can prevent people from reaching out for advice. From feeling embarrassed about past financial decisions to thinking you don't…
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Australia’s Help to Buy Scheme: Is It the Right Path to Home Ownership?
Could a 2% deposit really help you buy a home sooner, or encourage you to buy before you are financially ready? Rob Goudie and Rachael Todman unpack Australia’s Help to Buy scheme and how it may assist eligible Australians in purchasing a home. They explore the government’s shared-equity...
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Ways to Build Wealth in Australia Amid Rising Costs and Tax Changes
Is it still possible for the average Australian to build wealth? Rob Goudie and Rachael Todman discuss how rising living costs, tax changes and negative headlines can make wealth creation feel out of reach. They explain why consistency, sensible spending, regular investing and the power of...
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A Listener Asked: Why Shares Over Property
Property or shares, which makes the better long-term investment? In this episode , Rob Goudie and Amy Lehmann respond to a listener’s question about why Rob generally prefers investing in businesses through the share market rather than residential property. Robert Goudie, CFP, GradDipFP (ASIC Reg...
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How Will the Family Trust Tax Changes Affect Small Business Owners in Australia?
Could the proposed family trust tax changes affect the way your business income is taxed? In this episode, Rob Goudie is joined by guest speaker Dallas Landwehr from BCH Accountants to discuss what the proposed family trust tax changes may mean for Australian small business owners, tradies…
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Strategies for Debt Reduction and Enjoying Your 60s
Feeling like debt is getting in the way of the retirement lifestyle you’ve worked hard for? Your 60s should be about more freedom, better choices and peace of mind, not constant stress over credit cards, personal loans, bills or repayments. We look at practical strategies that may help…
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How Much Can You Have and Still Get the Age Pension?
Could a falling share market actually increase your retirement income? Many Australians assume that once their assets rise above the Centrelink limits, the Age Pension is off the table forever. But recent market volatility has created new opportunities for some retirees to qualify for valuable...
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Negative Equity Nightmare: How This Couple Lost $150k on a New Build Property
Can property investing go wrong? In this episode, Rob Goudie and Ashley Rowan discuss a real-life Australian property case study involving a couple who found themselves facing significant negative equity shortly after purchasing a newly built investment property. The conversation explores: ✔️…
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Case Study: Reducing Death Benefits Tax with a Superannuation Recontribution Strategy
Rob Goudie and Ash Rowan discuss a crucial strategy for retirees looking to minimize potential death benefit taxes on their superannuation. Ash shares a real-life case study of a retired couple with a $1.3 million superannuation balance that is fully taxable. They explore the complexities of...
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Navigating Separation: Practical Financial Guidance & Support
Going through a separation or divorce can feel overwhelming, emotionally and financially. In this episode, Rob Goudie and Rachael Todman discuss how to make calmer, smarter financial decisions during a difficult life transition. Rachael shares a real-life story that highlights why it’s important...
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Federal Budget 2026: Capital Gains, Negative Gearing & Trusts Explained
Australia’s 2026 Federal Budget has landed, and there are major proposed changes that could impact taxpayers, property investors, business owners and families across the country. In this episode, Amy and Rob break down the key announcements from the Federal Budget handed down on 12 May 2026,...
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Your Aged Care Guide: RADs & Financial Complexities
Feeling overwhelmed by aged care finances? Confused about the RAD (Refundable Accommodation Deposit)? You're not alone. In this episode, we break down exactly what a RAD is, how it works, and the crucial financial complexities you need to navigate when choosing aged care in Australia. If you or a...
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Catch-Up Super Contributions Explained
Want to legally reduce your tax and boost your retirement savings at the same time? In this episode, financial planners Rob Goudie and Ashley Rowan break down one of the most powerful, and often overlooked, strategies in Australia: catch-up concessional (carry forward) super contributions. With...
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5% Deposit Scheme: Helping or Hurting First Home Buyers? #firsthomebuyer
Is the government's 5% deposit scheme really helping first home buyers, or is it pushing them into unsustainable debt? Rob Goudie and Ashley Rowan dive deep into the pros and cons, the inflationary impact, and what you really need to consider before entering the property market. We discuss the…
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Retiring Before 60? Key Strategies to Consider
Considering retiring before age 60 but unsure whether it’s financially sustainable? In this episode, Rob Goudie and Ashley Rowan discuss key considerations for those looking to retire before accessing superannuation. Using a real client scenario, they outline approaches to managing the gap to age...
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How to Move Town Without Ruining Your Finances | Case Study
Thinking about moving closer to family but worried about the financial risks? In this episode, Rob Goudie chats with Rachel about a real client case study and how to make a big move without taking on unnecessary debt. We talk about why rushing into property decisions can end up costing more than...
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Early Inheritance Guide: How to Invest $2–3 Million in Your 20s Wisely
What should a 25-year-old do with a $2–3 million inheritance? In this episode, we break down a real-life case study of a young couple receiving a large early inheritance and the smartest ways to use it for long-term financial security and lifestyle balance. We talk about whether it’s better to…
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Most Common (and Costly) Money Mistakes You Should Avoid #financialmistakes #financialeducation
Are you making financial decisions you might regret later? In this episode, Rob Goudie and Rachel Todman dive into the most common (and costly) money mistakes people make, often without realizing it until it’s too late. From upgrading homes and taking on too much debt, to panic-selling…
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What Investors Should Do During Global Uncertainty
When headlines are filled with wars, rising fuel prices, and global uncertainty, it’s easy for investors to feel anxious and question whether they should be making changes to their portfolio. In this episode, Rob Goudie and Amy Lehman discuss how global headlines can influence investor sentiment,...
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2026 Super Contribution Changes: Concessional & Non-Concessional Caps Explained
Are you contributing to super but unsure if you’re making the most of the contribution caps? Many Australians continue their regular contributions without reviewing how annual cap changes may affect their strategy. In this episode, Rob and Ash discuss the potential superannuation contribution cap...
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Unlock Your Retirement: From Workplace Burnout to Financial Freedom
Feeling worn out at work and thinking about retirement? Wondering if your super will be enough and how you’ll manage your income when you stop working? In this episode, Rob Goudie and Ash Rowan talk through these common concerns in a clear and supportive way. They share practical ideas to help…
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HECS Debt vs House Deposit: What Should You Pay Off First?
Feeling overwhelmed by HECS debt and the dream of owning a home? Rob Goudie and Ash Rowan tackle this crucial financial question. Ash shares his personal journey of clearing HECS debt and the psychological impact it had. Rob offers his insights into why a substantial house deposit might be a...
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Age Pension Traps Explained: What Happens When One Partner Passes Away | Centrelink & Aged Care Risk
What really happens to your Age Pension, Centrelink benefits, and aged care fees when one partner passes away? Rob Goudie and Ash Rowan explore a real-life case study revealing one of Australia’s most overlooked retirement planning traps, the financial shock many widows and widowers face. They...
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How Smart Financial Advice Creates Confidence & Clarity
What happens to your retirement plans when life suddenly changes? In this episode, Rob Goudie is joined by financial adviser Ashley Rowan to discuss real-life retirement planning case studies and the emotional side of financial advice. They explore how major life changes, such as separation,...
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Scam Warning: The Costly Mistakes Smart People Are Making
Scams are everywhere—and they’re getting smarter. In this episode, Rob Goudie is joined by Rachel Todman to discuss the growing threat of scams, especially during the Christmas period when urgency and distraction are high. They share real-world experiences, discuss why even intelligent and…
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Self-Managed Super Funds Explained_ Benefits, Risks & When You Shouldn’t Set One Up
Thinking about setting up a Self-Managed Super Fund? Before you do, this episode could save you years of costly mistakes. In this episode, Amy Lehmann and Rob Goudie break down Self-Managed Superannuation Funds (SMSFs) who they’re for, when they make sense, and when they don’t. SMSFs are often...
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Aged Care Decisions That Impact Families
In this episode , Rob Goudie is joined by long-term advisor and partner Ash to discuss real-world aged care case studies and the financial decisions that impact families. They unpack common issues they see each year, including family disputes, inheritance misunderstandings, powers of attorney…
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Your Guide to the New Supported Home Care System
In today’s episode, Rob is joined by business partner Ashley, an expert in aged care and retirement planning. Together, they break down the major changes to aged care and home care packages in Australia, including the shift to the new Supported Home model starting November 1. If you or your loved...
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Selling Your Business or Farm: Smart Tax & Investment Strategies
Thinking about selling your business or farm? Before you make the leap, make sure you’re not walking away from opportunities or walking into avoidable mistakes. Rob and Amy break down what you need to know before selling a business, farm, or any major asset. They dive into why tax planning should...
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Aged Care Changes 2025: Fees, Deposits & New Rules Explained
Aged care is about to become far more expensive, and most families have no idea what’s coming. In this episode of the Investor Motivation Podcast, Rob and Ash unpack the major aged-care rule changes starting 1 November 2025. They explain what’s changing in home care and residential aged care, why...
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Superannuation Tax Changes Explained — What You Need to Know
In this episode, Amy and Rob break down the newly updated superannuation tax changes and what they mean for investors. They discuss the revised $3 million and $10 million thresholds, the removal of the unrealised capital gains tax proposal, and the introduction of indexation moving forward. They...
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Why Money Still Feels Stressful (Even When You’re Earning More)
Ever wondered why no matter how much you earn, money still feels stressful sometimes? It’s not just numbers, it’s emotions, habits, and mindset at play. In this episode, we dive deep into the emotional side of money, how your mindset, habits, and emotional triggers directly influence your…
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How to Manage Your Home Loan & Build Wealth Smartly
In this episode, Robert Goudie and Amy Lehmann breaks down everything you need to know about mortgages, from why managing your loan with care is crucial, to real cash flow tips that can help you pay off your home faster. We discuss how high mortgage repayments impact Australian households,...
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Answering the Most Commonly Searched Investment Questions
Ever Googled questions like “Can investing make you rich?” or “Is investing better than saving?” You’re not alone! In this episode of the Investor Motivation Podcast, Amy Lehmann and Robert Goudie dive into the most commonly searched investment questions,including: ✔️ Can investing really make…
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The Psychology of Investing: Patience, Timing & Smart Decisions
In this episode, Robert Goudie and Amy Lehmann dive into the importance of patience in investing and explore what makes a great business a bad investment if bought at the wrong time. You’ll learn: ✅ Why markets at all-time highs demand caution ✅ How to approach investing during volatility ✅...
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Your Retirement, Your Number: The Real Math Behind the Dream
What does a comfortable retirement really look like in Australia? Robert Goudie and Rachael Todman break down the numbers using real-life retirement income benchmarks and financial modelling for singles and couples, both homeowners and renters. They explore the difference between comfortable and...
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When Should You Set Up a Trust for Investing
Wondering if a trust is the right move for your investments? In this episode, Amy Lehmann and Robert Goudie break down when (and why) it might be time to set up a trust for investing. Whether you’re a doctor, entrepreneur, or just starting to build serious wealth, this episode will help you...
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How much is Enough? The Retirement Balancing Act
How much is enough to retire? It’s the question financial advisers Robert Goudie and Rachael Todman hear the most — but the real challenge isn’t just about the number. In this episode of Investor Motivation, they unpack the balancing act between securing your future and living fully today. From...
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How Advice Changed Everything: Real Clients, Real Outcomes
In this episode of Investment Motivation, Financial Advisers Rachael Todman and Robert Goudie share real client stories and how personalised financial advice has made a lasting difference. From uncertainty to relief, they explore the emotional and practical impact of putting the right strategies…
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EOFY Checklist: What’s Worth Thinking About Now
With 30 June fast approaching, Rob Goudie and Rachael Todman run through a few key things to think about before the end of financial year. From topping up your super to reviewing your investments, this episode covers some of the simple strategies that could help you make the most of EOFY. They…
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Just Retired? Now what?
Just retired and wondering what comes next? In this episode of the Investment Motivation podcast, Rob Goudie and Rachael Todman walk through the key financial decisions that come with the early stages of retirement. They talk about how much you might be able to spend each year, how to draw down...
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Riding the Market Roller Coaster: What History Teaches Us About Investing
Markets rise and fall — but how should you respond? In this episode, Rob and Rachael explore the emotional side of investing and why staying invested often delivers the best results. From the GFC to recent volatility, they unpack key moments in market history, share data on long-term returns, and...
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Market Volatility Explained – And What to Do
Markets go up—and they come down. In this video, we talk about what really matters during periods of volatility: your behaviour as an investor. We explain why reacting emotionally to short-term movements can hurt long-term outcomes, how the media can fuel unnecessary fear, and why staying focused...
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Spotting Financial Procrastination: Are You Guilty of It?
Ever told yourself you’ll start saving “next month” or that you’ll invest “when things settle down”? You’re not alone—financial procrastination is more common than you think. But delaying money decisions can seriously set you back, whether it’s putting off investing, ignoring debt, or avoiding...
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Australia's Elite Investors: What you can learn
Ever wondered how Australia’s wealthiest individuals invest? In this episode, we break down the key strategies used by the richest Australians, from diversification and asset allocation to investing in high-growth sectors. Learn how they build and protect wealth—and how you can apply similar...