PODCAST · business
Money Chats
by Bounce Financial
Are you in your 30s, 40s or 50s and navigating life's big financial transitions? Money Chats explores all the options available to you to grow your wealth, health and happiness. *Ben and Cara Brett are licensed financial advisers with Bounce Financial Pty Ltd (AFSL:529109).
Episodes
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108: Avoiding the death tax
In this episode, Ben and Cara explain the sneaky tax you may have to pay if you were to die and how you can go about setting up a financial plan to avoid it
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107: How to make your life insurance cheaper
In this episode, Ben and Cara explain some of the ways you can reduce how much you pay for your life insurance premiums without having to cancel them
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106: Should you close your home loan when you've paid off your house
In this episode, Ben and Cara explain whether you should close your loan once you've got enough money to pay it off, or keep it open.
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105: How to salary sacrifice to super
In this episode, Ben and Cara talk through the actual mechanics of putting extra into your super and how to avoid some of the potential traps
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104: The Difference between a Managed Fund and an ETF
In this episode, Ben and Cara explain the difference between a Managed Fund and an ETF and which one they tend to recommend
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103: Top Tips for your Offset and Redraw Accounts
In this episode, Ben and Cara breakdown some of the mistakes they see people make with their offset and redraw accounts and some tips on how to use these to save yourself money
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102: Joining finances with a partner later in life
In this episode, Ben and Cara break down some of the tips and traps they see when couples meet each other later in life and start combining finances
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101: Three things people don't consider in their financial plans
In this episode, Ben and Cara break down the top 3 things they see people miss when coming up with their own financial plans
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100: Why Financial Planning needs the plan
In this episode, Ben and Cara explain how financial planning works and why there is a lot more to it than picking great investments
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99: Starting a business- preparing for tax
In this episode, Ben and Cara discuss how you can plan for your tax when starting a business and why not doing so from day one can put you out of business
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98: The Australian Federal Budget
In this special release episode, Ben and Cara explain the changes proposed in the federal budget and what you need to be considering right now
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97: Investing in shares- ticking the box or growing your wealth
In this episode, Ben and Cara discuss one of the most common pitfalls they see when investing in shares and how much you should be contributing to your share portfolio
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96: Tax in super- how the wealthy invest
In this episode, Ben and Cara discuss the tax benefits of investing in super and why you really need to be taking advantage of this as you approach retirement
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95: Should you put money in your children's superannuation?
In this episode, Ben and Cara discuss whether you should put some money in your children's super or whether it's best to put your money elsewhere
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94: Gifting money to your children
In this episode, Ben and Cara run through the rules and taxes when it comes to gifting money to your children and how you can think about setting them up to enter the property market
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93: Protecting yourself from redundancy
In this episode, Ben and Cara run through some of the financial things you can do to protect yourself if you're concerned about being made redundant in your job
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92: Index Funds vs Active Funds
In this episode, Ben and Cara break down the difference between Index and Active investment funds and how to work out which one might be right for you
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91: Should you buy an investment property?
In this episode, Ben and Cara run through the steps they go through in working out whether you should buy an investment property
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90: The Four Pillars of assessing a super fund
In this episode, Ben and Cara explain how they go about assessing a super fund and why there may be a bit more to it than the Barefoot Investor would have you believe
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89: Why crypto is more risky than shares
In this episode, Ben and Cara break down how investments are valued and how crypto is a more risky asset than shares
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88: Changing your investments as you approach retirement
In this episode, Ben and Cara explain why you need to think about changing your investments in your super as you approach retirement and how to think about this.
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87: How is capital gains tax calculated
In this podcast, Ben and Cara break down how capital gains tax actually works and how you might not need to fear it as much as you thought
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86: Should you use your superannuation to pay out your mortgage
In this episode, Ben and Cara discuss whether you should use your superannuation to pay out your mortgage after you turn 60
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85: Why jumping a tax bracket isn't a big deal
In this episode, Ben and Cara discuss what happens when your pay rise pushes you into the next tax bracket and why it's not a bad thing
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84: What you need to do when you start a new job
In this episode, Ben and Cara discuss the financial steps you should take when you get a new job
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83: Different strategies to combine money with your partner
In this episode, Ben and Cara discuss the different ways you can share money with your partner and how to choose what's right for you
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82: Common financial mistakes and how to avoid them
In this episode, Cara and Ben explain some of the common financial mistakes they are seeing lately and how you can avoid them
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81: The current cost of private school and how to fund it
In this episode, Ben and Cara break down what they are seeing in private school costs and give some practical tips about how you can save and invest for it
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80: What happens when you run out of superannuation?
In this episode, Ben and Cara discuss what happens once you run out of superannuation and the options potentially available to you
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79: How income protection insurance actually works
In this episode, Ben and Cara explain the different options of income protection insurance and what this will mean if you ever need to claim
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78: When you can access your super
In this episode, Ben and Cara outline when you get access to your super and how best to approach it
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77: Who owns your investment and the tax consequences of this
In this episode, Ben and Cara address how ownership is one of the most important decisions when it comes to investing and the different options available to you
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76: Why you should borrow less on your home loan
In this episode, Ben and Cara address an issue they see regularly where people borrow too much for their home loan
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75: The Eras Tour- what you should be doing with your money each decade
In this episode, Ben and Cara explain what you should be doing with your money in your 20s, 30s, 40s, 50s and 60s.
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74: What Financial Advisers do with their money
In this episode, Ben and Cara explain the things they do with their money which is outside the norm.
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73: Finance things we have changed our mind on
In this episode, Ben and Cara reflect on the things they used to recommend but have since changed their mind on
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72: Tax deduction strategies for employees
In this episode, Cara and Ben go through some great ways for employees to reduce their tax
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71: Can you afford to upgrade your house?
In this episode, Ben and Cara explain the steps you need to go through to determine whether you can afford that house upgrade
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70: How do I help my kids buy a house?
In this podcast, Ben and Cara discuss this very common question and give practical examples of how you can start investing to help your children buy a house
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69: What is an "In-Specie Transfer"?
In this episode, Cara and Ben discuss what an In Specie Transfer is and how you can use it to save on tax when moving your investments between providers
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68: How to keep your Super growing whilst on Maternity Leave
In this episode, Ben and Cara outline some of the strategies that exist to help you keep your super growing when taking time out of the workforce.
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67: How to Structure an Investment Property Loan
In this week's episode, Cara and Ben dive into how you should go about structuring your investment property loan for tax purposes and some of the tips and traps they see.
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66: Superannuation- Why Early Contributions Matter
In this episode, Ben and Cara explain how super contributions aren't all made equal and how investing earlier has a much greater effect than doing it when you are older.
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65: The Disadvantages of Rentvesting
In this episode, Ben and Cara explain how rent-vesting works and some of the disadvantages of this strategy.
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64: Using leverage to grow your wealth
In this episode, Ben and Cara outline how to use leverage to grow your wealth and what to avoid.
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63: How Queensland Government employees are losing thousands of dollars every year
In this episode, Cara and Ben explain how Queensland Government employees are losing thousands of dollars every year in missed tax deductions.
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62: Sequencing Risk: A retiree's greatest enemy
In this episode, Ben and Cara explain what sequencing risk is and how it can destroy your retirement.
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61: When should you cancel your life insurance?
In this episode, Cara and Ben explain when you should look to cancel your life insurances and some of the traps we see people fall into.
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60: HR Hacks: how companies make your salary look bigger than it is
In this episode, Ben and Cara explain some of the tricks HR teams are using to make your salary look bigger when it really isn't.
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59: The Barefoot Fire Extinguisher
In this episode, Ben and Cara break down what the Barefoot Investor Fire Extinguisher is and why it's probably the most important part of the Barefoot Investor Methodology.
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ABOUT THIS SHOW
Are you in your 30s, 40s or 50s and navigating life's big financial transitions? Money Chats explores all the options available to you to grow your wealth, health and happiness. *Ben and Cara Brett are licensed financial advisers with Bounce Financial Pty Ltd (AFSL:529109).
HOSTED BY
Bounce Financial
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