PODCAST · education
Money Mechanics with Scott Malcolm
by Scott Malcolm
As human beings we share a commonality. We are all born into the financial system in which we live. On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt.Welcome to Looking Under the Hood – a podcast all about helping you to unpacking money so you can move towards financial freedom.I’m Scott Malcolm, I’ve always been curious to understand how things work. When I was a kid there was that one time, I pulled apart our family toaster to see how it worked – sorry again Mum and Dad!When I became a financial planner – fresh out of Uni in 2000 I had the same desire to get a deep understanding of the money stuff and how to make it work for you.What I have learnt and seen working with clients is that the Money stuff is no different. If you have an understanding of how the system works and how you relate to it, you can empower yourself for a better financial future.My aim of this podcast is to give yo
Episodes
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Unpacking the 100 Day Money Sprint!
With fewer than 100 days left in the year, money starts moving fast. Christmas, school holidays, travel, end-of-year catch-ups and January bills can all land at once. Scott and Ara share a practical way to finish the year with more intention and less financial stress. In this episode: Why the end...
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Unpacking Money Stories: Where They Start, How They Change
In this episode of Money Mechanics, Scott and Ara explore the beliefs, memories, emotions and family messages that shape the way we earn, spend, save, invest and talk about money. From childhood phrases like “money doesn’t grow on trees” to adult patterns around guilt, fear, security, success and...
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Unpacking Tax: the system and why we pay it
Tax can feel deeply personal, especially when it comes out of your pay, shows up in the price of what you buy, or applies when an investment makes a gain. In this episode of Money Mechanics, Scott and Ara unpack why tax exists, what it helps fund, and how it fits into a functioning civil society....
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Unpacking the Human Side of Retirement: Why connection matters
Today, we’re talking about something retirement plans often miss: the people, purpose and sense of belonging that make life after work feel rich in every sense of the word. Joining us are two wonderful guests bringing this human side of retirement into sharp focus: Phil McAuliffe from...
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Unpacking Age Pension: What it can mean for your retirement
In this episode of Unpacking Money, Scott Malcolm and co-host Ara Jansen unpack one of the most misunderstood parts of retirement planning in Australia: the Age Pension. Rather than treating it as an all-or-nothing entitlement, they explore how the Age Pension can fit as one layer within a…
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Unpacking Winter Spending: have your spending habits changed?
In this episode of Unpacking Money, Scott Malcolm and Ara Jansen explore how winter can quietly reshape household spending. From delivery fees, online shopping and takeaway coffees to heating bills, subscriptions and travel daydreams, they unpack the “convenience tax” that can creep into everyday...
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Unpacking SMSF and LRBAs Post Budget 2026: separating fact from fiction
In this episode of Unpacking Money, Scott Malcolm and Ara Jansen unpack what the post-Budget 2026 SMSF and LRBA conversation may mean for Australians considering property inside super. We will slow down the headlines, explain why limited recourse borrowing arrangements require careful review, and...
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Unpacking the New Financial Year: Reset, Review and Realign Your Money
In this episode of Unpacking Money, Scott Malcolm and co-host Ara Jansen use the start of the new financial year as a practical reset point for your money life. Rather than treating 1 July as just a tax year, they unpack how to review what changed over the past year, reconnect your financial...
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Unpacking Recession: from headlines to your household reality!
In this episode, we demystify recession by separating economic headlines from household reality and focusing on what listeners can actually control. We explore what recessions are, how they typically affect jobs, markets, borrowing, and confidence, and why thoughtful planning around emergency...
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Unpacking Redundancy: What does it really mean emotionally and financially!
In this episode, we unpack what redundancy really means, how it affects people emotionally and financially, and the practical steps to take when work suddenly changes. With some focus on public sector employees, we explore genuine redundancy, voluntary redundancies, redeployment rights, and how…
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Unpacking Dumb Money Decisions We Don't Regret
Not every money decision looks smart on a spreadsheet, but that doesn’t always mean it was a mistake. In this episode we unpack the so-called “dumb” money decisions people make (Scott included) and why some of them are still worth it. From spending on experiences, taking career risks, helping...
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Special Episode: Unpacking Federal Budget 2026: What It Really Means For Your Money
Every year Budget night brings big headlines, hot takes and a whole lot of confusion. In this episode of the Money Mechanics Podcast, Scott Malcolm CFP® and Ara Jansen unpack the 2026–27 Federal Budget and translate it into real‑world implications for everyday Australians. We break down the key…
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Unpacking Inheritance: Receive Well, Give Wisely
Receiving an inheritance can bring up a mix of emotions, decisions and responsibilities. In this episode of Money Mechanics, Scott and Ara unpack what to think about if money, property or other assets come your way, from pausing before making big decisions to understanding tax, super, debt,...
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Unpacking Super Comparison Tools and Strategy
Choosing a super fund can feel simple on the surface, until you start comparing fees, performance, insurance, investment options and member services. In this episode we unpack how super comparison tools work, what they can help you see, and where they can fall short. We look at the difference...
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Unpacking Super Changes from 1 July 2026
From 1 July 2026, super is getting a shake‑up—and it’s easy to feel overwhelmed by the detail and sometime the complexity of the language. In this episode, we walk through key questions covering Payday Super, Division 296 tax, and indexation of the contribution caps and total super balances.…
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Unpacking Super Vs Debt Reduction Vs Investment: Where Should Your Next Dollar Go? The Battle of Super, Debt & Investing
Every year, thousands of Australians hit the same financial crossroads: Should I put extra money into super? Pay down debt? Or start investing? In this episode, Scott and Ara unpack the emotional tug‑of‑war behind each choice — the security of reducing debt, the satisfaction of future‑you…
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Unpacking Inflation: Cost of Living Crunch: What’s Driving It & How to Stay in Control
Inflation is hitting households hard — but what’s actually behind it, and what can you actually control? In this episode, we break down how global events (including rising oil prices and supply chain disruptions) flow into fuel costs, supermarket prices, and everyday expenses. Scott and Ara…
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Unpacking Capital Gains Tax (CGT) : Facts, Noise & the Federal Budget Buzz
The Money Mechanics Podcast is back for 2026! Scott Malcolm and Ara Jensen jump straight into one of the hottest topics in the media right now: Capital Gains Tax. After a year off-air, they’re breaking down what CGT really is, why everyone’s suddenly talking about it, and how the rumoured changes...
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Unpacking Your Money Framework and what to be thinking about when it comes to Investment Vs Super Vs Debt with Ara Jansen
From Snoop Dogg to Sting and prize scones to long distance swimmers and now Scott Malcolm! Ara Jansen has met, interviewed or written about the famous and the rest during her extensive career as a freelance writer and rock journalist. Words, deep blues, swimming pools, books, music and good...
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Unpacking making money as a creative and retail ‘shrinkage’ with Gabe Trew
Gabe Trew is the young founder of the iconic retail destination, POP Canberra, which he established at the age of 25. Under his leadership, POP Canberra has become a beloved retail and community hub, supporting over 300 individual small and micro businesses. POP Canberra has the largest selection...
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Unpacking Cost of Living with Scott and Ara Jansen
Today we turn the tables are Ara interviews me, about cash flow and we discuss ideas on how you can be getting ahead with Cost of Living Crisis happening in our lives at the moment. From Snoop Dogg to Sting and prize scones to long distance swimmers and now Scott Malcolm! Ara Jansen has met,...
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Unpacking Giving, Donations and Deductions with Kylie Wallace
Kylie has 12 years of experience in the not-for-profit and Corporate Social Responsibility space, as a Fundraising and Marketing expert. She is experienced in startup environments, building innovative campaigns with $0 budget and evolving them into successful global movements. A great…
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Unpacking "Being Lazy" with Lisa Eriksson
Lisa Eriksson is the owner and principal clinical psychologist of Eriksson Psychology. Lisa predominantly works with adults to overcome a wide range of mental health concerns including depression, anxiety disorders, PTSD and complex trauma. She also has experience in working with neurodiverse,...
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Unpacking Risk Profiles, Tolerance and Behaviour with Dr Katherine Hunt
Dr Katherine Hunt is a Growth Authority and Ethical Expert who combines education in Psychology, Law and Economics with two decades of working with businesses and their leaders. She is currently a Core Faculty member at Portfolio Construction Forum, where she shares her insights and expertise on...
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Unpacking Debt Consolidation with Laura Sicari
Laura is a Director at Because finance, a company that helps clients, brokers, planners, and other professionals navigate the lending process and facilitate the loan application process. With over 18 years of financial services and insurance experience, Laura has a proven track record of…
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Welcome Back for Season 4
As human beings we share a commonality. We are all born into the financial system in which we live. On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt. Welcome to Looking Under the Hood – a podcast all…
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Unpacking Money Conversations and First Dates with Ara Jansen
From Snoop Dogg to Sting and prize scones to long distance swimmers and now Scott Malcolm! Ara Jansen has met, interviewed or written about the famous and the rest during her extensive career as a freelance writer and rock journalist. Words, deep blues, swimming pools, books, music and good...
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Unpacking Biases, Ontology and Transition with Dr Anna Carr
Dr Anna Carr is a coach and facilitator who combines social science analytical frameworks with a deeply personal discovery of how we are BEING in the world and who we become in the workplace. Anna’s academic curiosity has led her to delve deeply into the philosophy of science, ideas and...
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Unpacking Rentvesting with Lorna Wang
After only hearing about the good things going on with property I bought my first investment at the age of 22 🙌🏼 It was a huge milestone that I'd been working towards for many years but I was naive and uneducated 🤡 in this space which led to a massive missed opportunity 😣 Over the subsequent...
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Unpacking Retirement Mindset with Danielle Brophy
Danielle is passionate about helping female entrepreneurs to go from being overwhelmed & stressed with finances in a mess, to mastering business profitability, building wealth, and enhancing wellbeing. Danielle focus on the four pillars of success – mindset, profit, wealth strategies, and…
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Unpacking the NDIS with Jane Hadrill and Kirsten Merlino
With extensive experience in accounting and plan management, Jane Hadrill founded Prudent Plan Management with the collective vision of acting with care and thought for the future. Jane leads a warm, client focused business, ensuring that participants and providers feel welcome and informed....
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Unpacking ESG (Sustainable) Investment with Angela Ashton
ESG investment refers to the practice of considering environmental, social, and governance factors in the investment decision-making process to generate sustainable and responsible returns. It was great to connect with Angela Ashton from Evergreen Consultants to discuss building portfolio with…
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Unpacking Aged Care, Centrelink and Retirement with Rosie Bouton
Rosie Bouton is a Financial Adviser who has expertise in Social Security & Aged Care rules & legislation, developed during her career with the Department of Human Services Centrelink over more than ten years, assisting clients in areas such as Financial Information Service, Residential Aged Care,...
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Unpacking Property Management and the Rental Market with Emma Barclay
With over a decade’s experience in Canberra's Real Estate Industry, Emma is passionate to provide down to earth, professional service. This is achieved by combining her genuine passion for the job & an adaptive mentality to a changing market. Canberra is growing, technology is advancing & the...
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Unpacking Education Bonds with Marie van Asch
Marie van Asch is a Business Development Manager at Futurity Investment Group which specialises in Education Bonds. Marie has over 12 years’ experience in the Financial Services industry having previously worked in the Life Insurance sector for 8 of those years. Marie holds a Bachelor of Business...
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Unpacking Interest Rate Increases and Managing your Mortgage with Evrim Turner
Evrim is passionate about getting the best outcomes for her clients. Having spent 20 years working in investment banking and financial services, Evrim recently made the move to mortgage broking after noticing the lack of client care in the industry. With an empathetic approach and taking the time...
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Unpacking Trust with Dr Michelle Cull
Dr. Michelle Cull is the Associate Dean, Engagement in the School of Business at Western Sydney University. Michelle is a leading academic in financial planning, with her research cited in the media. Michelle completed her PhD on the role of trust in financial planning and has published a range…
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Welcome Back for Season 3!
As human beings we share a commonality. We are all born into the financial system in which we live. On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt. Welcome to Looking Under the Hood – a podcast all…
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Unpacking Cash flow and Budgeting with Ara Jansen
From Snoop Dogg to Sting and prize scones to long distance swimmers and now Scott Malcolm! Ara Jansen has met, interviewed or written about the famous and the rest during her extensive career as a freelance writer and rock journalist. Words, deep blues, swimming pools, books, music and good...
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Unpacking the Financial Services System With Dr Angelique McInnes
Dr Angelique McInnes is a curious entrepreneur with a PhD. Her motto is "Go with the flow and live in the present, because it is a gift". Angelique has been a financial adviser and is now a Lecturer and Research who is interested in identifying and solving real world problems with evidence-based...
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Unpacking Doomscrolling with Kate Mannell
Dr Kate Mannell is a Research Fellow at Deakin University in the ARC Centre of Excellence for the Digital Child and andthe Centre for Research in Educational Impact (REDI). Her research focuses on the design, governance and use of digital platforms with a focus on the role of digital technologies...
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Unpacking Human Needs and Money with Danielle Brophy
Danielle is passionate about helping female entrepreneurs to go from being overwhelmed & stressed with finances in a mess, to mastering business profitability, building wealth, and enhancing wellbeing. Danielle focus on the four pillars of success – mindset, profit, wealth strategies, and…
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Unpacking Evidence Based Romance-Finance Fiction with Shayne Sommer
Shayne holds a Bachelor of Arts (Journalism/Psychology), Graduate Diploma of Financial Planning and has attained the Certified Financial Planner (CFP©) designation. She provides holistic financial advice to private clients primarily across the areas of cash flow, superannuation, investment and...
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Unpacking Mediation when Estate Planning Goes Wrong with Rebecca Tetlow
Rebecca Tetlow has dedicated her legal career to estate planning and succession law and is Canberra’s only Accredited Specialist in Wills and Estates law. Her passion is estate planning and enjoys helping clients, regardless of their circumstances, achieve peace of mind in regard to their estate...
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Unpacking Giving, Impact and Legacy with Jessica Bowman and Kylie Wallace
Jess is an experienced analyst with a passion for finding great charities. In 2015, she founded The Good Cause Co., the first website in Australia to provide comprehensive, independent reviews of Australian charities. The Good Cause Co. also provided donor services, placing over $15 million…
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Unpacking Advice Delivery with Ben Marshan
Ben is the Head of Policy, Strategy and Innovation at the Financial Planning Association (FPA). Ben’s role is to manage Government Relations for the FPA, as well as focusing on the implementation of the FPA’s policy platform and encouraging the development of innovative ways to provide advice.…
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Unpacking Scary Markets and Statements of Financial Purpose with Carl Richards
Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Carl has also been featured on Marketplace Money, Oprah.com, and Forbes.com. In addition, Carl has become a frequent keynote speaker at financial planning...
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Unpacking The Value of Advice with Marisa Broome
Marisa Broome is a CERTIFIED FINANCIAL PLANNER® professional and the Managing Director of Wealthadvice, a boutique financial planning practice in Sydney Australia. Wealthadvice specialises in holistic financial planning advice for professionals and small business owners. After more than 35 years…
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Unpacking Investment Bonds and Annuities with Grant Hackett
Grant Hackett joined the Generation Life Executive Team in September 2017. With over 12 years of experience, Grant has held many senior positions across marketing, distribution and wealth management for Westpac and BT Financial Group. Grant’s qualifications include an Executive Masters of…
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Unpacking Estate Planning for Blended Families and Estate Disputes with Rebecca Tetlow
Rebecca Tetlow has dedicated her legal career to estate planning and succession law and is Canberra’s only Accredited Specialist in Wills and Estates law. Her passion is estate planning and enjoys helping clients, regardless of their circumstances, achieve peace of mind in regard to their estate...
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ABOUT THIS SHOW
As human beings we share a commonality. We are all born into the financial system in which we live. On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt.Welcome to Looking Under the Hood – a podcast all about helping you to unpacking money so you can move towards financial freedom.I’m Scott Malcolm, I’ve always been curious to understand how things work. When I was a kid there was that one time, I pulled apart our family toaster to see how it worked – sorry again Mum and Dad!When I became a financial planner – fresh out of Uni in 2000 I had the same desire to get a deep understanding of the money stuff and how to make it work for you.What I have learnt and seen working with clients is that the Money stuff is no different. If you have an understanding of how the system works and how you relate to it, you can empower yourself for a better financial future.My aim of this podcast is to give yo
HOSTED BY
Scott Malcolm
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Frequently Asked Questions
How many episodes does Money Mechanics with Scott Malcolm have?
Money Mechanics with Scott Malcolm currently has 65 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Money Mechanics with Scott Malcolm about?
As human beings we share a commonality. We are all born into the financial system in which we live. On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt.Welcome to Looking Under the Hood – a podcast all about...
How often does Money Mechanics with Scott Malcolm release new episodes?
Money Mechanics with Scott Malcolm has 65 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Money Mechanics with Scott Malcolm?
You can listen to Money Mechanics with Scott Malcolm on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Money Mechanics with Scott Malcolm?
Money Mechanics with Scott Malcolm is created and hosted by Scott Malcolm.
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