PODCAST · business
Money Over 50
by Michael & Ali of Money Over 50 Financial Advisers
An Australian podcast that provides useful information on retirement planning, superannuation, and the financial world in an easy-to-understand manner. Contact the financial planning experts Michael Hogue and Ali Hogue of Money Over 50 Financial Advisers via email [email protected]
Episodes
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339 When can you access your super? - AUDIO FIXED
During your working life, your superannuation fund has been growing and growing thanks to contributions from your employer and hopefully yourself. This money sits there for decades, slowly accumulating for you without being touched. But when can you actually access this hard-earned cash? There…
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338 You can't have everything! Be realistic with your goals - AUDIO FIXED
You can’t have everything! Be realistic with your goals Do you ever feel like you’re trying to do a thousand things at once, and not really doing any of them well? Ali knows the feeling. Life is busy, but the more we try to do everything, the less we do them well. Sometimes we need to take a step...
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337 Get more money into Australia's best tax shelter – contribution cap increases
Did you know that on the 1st of July 2024, you’ll be able to contribute more into your superannuation and take advantage of Australia’s best ‘tax shelter’? The reason for that is that superannuation contribution caps are increasing on the first day of the new financial year. In this episode,...
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336 How to choose a financial adviser that is right for you
For many people, getting their finances on track is high on the priority list. And to do that, they realise they need professional help. But how do you know which financial adviser is right for you? In this episode, Ali discusses what you need to consider and what you need to be aware of before...
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335 The Silent Killer - The effects of inflation and purchasing power
If you held an investment for 15 years, would you prefer it to make nominal returns of 12.5% per annum, or 20.3% per annum? The answer may seem simple, but is a lot more complex than most people realise. In this episode, Ali and Michael discuss the ‘silent killer’ also known as inflation, and how...
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334 Downsizer contributions - tips, tricks & benefits
Alice, a regular listener, asks a question about what would happen if her and her partner were to sell their primary place of residence (PPR) and use the downsizer contribution to add $300,000 super. In this episode, Michael and Ali discuss Alice's question, and downsizer contributions. They...
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333 Are there ways to pay 0% tax besides an account-based pension?
Sue, a regular listener, asks a question about her husband’s 0% taxed super income stream and how they could make the most out of this money. She would like to know what investments, if any, she can make to increase their financial position. In this episode, Ali and Michael discuss Sue’s question...
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332 Your $3.8 million tax-free trust
When you retire, your superannuation balance can become a 0% taxed super income stream. This is essentially the same as a tax-free trust fund. Australia has one of the highest income tax rates in the world; however, it is also one of the most generous when it comes to your retirement. In this...
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331 We're Back! Concessionals & Carry-forwards
It's February 2024 and Michael & Ali are back with new Money Over 50 Podcast episodes! In this episode, Michael & Ali unpack a recent question they received from podcast listeners Paul and Renae. They discuss the yearly concessional contributions cap, the difference between concessional...
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330 4 ideas on what to do when you don’t have enough to retire on
In this episode, Ali discusses 4 potential options for a new retiree who doesn't have enough to retire on (Centrelink Age Pension, adjust lifestyle, downsizing your home, and semi-retirement). People may also find other options out there, or may even use a combination of these to achieve their...
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329 Starting a financial plan will include pain
Have you ever gone on a diet or started a new fitness plan? Chances are you found it painful at the start. Financial plans can be much the same. The good news is, the pain is only at the beginning! In this episode, Ali shares his expertise on starting a new financial plan, including how to build...
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328 ”I’m a pensioner now” - Beware the power of self-identity
Do you see yourself as a retiree, or a pensioner? Turns out, there’s quite a difference! Self-talk and self-identity are more important than you may realise. In this episode, Dallas and Ali discuss the implications of how you may see yourself at different ages, and what this means for your...
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327 3 Changes to superannuation from 1 July 2023
It’s not uncommon for the government to make changes to our superannuation rules, and a few new things have come into effect since the 1st of July 2023. In this episode, Ali discusses three significant changes to superannuation that everyone should be aware of, especially those nearing…
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326 Say your fears out loud to take their power away
What are you afraid of when it comes to money and security? And have you discussed this with anyone, or really taken the time to sit down and think about it carefully? In this episode, Ali and Dallas discuss how and when to say your fears out loud, and what it means for your wealth and financial...
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325 You don’t need to go to the other side of the world to enjoy retirement
In this episode, Ali explains his thoughts regarding travel after coming back home from a trip in Europe. He explains that even though he did enjoy his travels, he's gained a much larger appreciation for home and believes that finding enjoyment in the small things can be a lot more rewarding in...
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324 Listener Favourite: Knowing you don’t need to work makes work better
This is a repeat of Listener Favourite: 275 Knowing you don't need to work makes work better Sometimes, you need to put your happiness before your job. Easier said than done, right? But if you’re close to retirement and you’re extremely unhappy in your job, perhaps it’s time to let it go. But how...
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323 Listener Favourite: You can compare things but you can’t compare experiences
This is a repeat of our recent Listener Favourite Episode: 303 You can compare things but you can't compare experiences It is human nature to compare ourselves to others. In fact, we compare everything – material possessions, the size of our homes. Experiences, however, are harder to compare, but...
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322 Listener Favourite: Why my kids won’t get an inheritance
This is a repeat of Listener Favourite: Episode 247 Why my kids won't get an inheritance Dallas discusses with Michael his thoughts on the planning of providing an inheritance to children. There is no right or wrong answer on whether you should leave an inheritance, however, there are a few…
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321 Listener Favourite: A moral guide to minimising taxes
This is a repeat of our Listener Favourite episode 271 A moral guide to minimising taxation Tax evasion or tax minimisation – what’s the difference? According to Kerry Packer’s famous speech during a parliamentary hearing, a lot. And if you’re not trying to minimise your tax, there might even be...
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320 Listener Favourite: When to take advice
This is a repeat of listener favourite episode 297 When to take advice. Do you like taking advice from other people? Or do you listen half-heartedly before doing the exact opposite of what they have suggested? In this episode, Michael and Dallas delve into when, and from whom, you should take...
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319 Listener Favourite: 3 simple things (in retirement planning)
This is a repeat of Listener Favourite of episode 218 3 simple things (in retirement planning). In this episode (from all the way back in 2021), Michael and Dallas sat down and discussed how simple it can be to get ahead financially, but also how hard it can be to not make an error through panic....
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318 Listener Favourite: The best way to avoid panicking in a downturn is not to panic
This is a repeat of episode 248 The best way to avoid panicking in a downturn is not to panic! One of the quickest ways to derail your retirement or investment plans is to PANIC! It might be hard not to react, but panicking at the sight of downturns can undo all of your hard work. For more...
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317 Listener Favourite: Fridges with ice makers
This is a repeat of Listener Favourite: Fridges with ice makers Bringing you another Listener Favourite this week - Fridges with ice makers! When you were a kid, do you remember visiting friends’ fancy houses and comparing them to your own? For Dallas, the epitome of a fancy house was one that…
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316 Listener Favourite: Why a residential investment property is the worst asset to own in retirement
This listener favourite episode is all the way back from April 2020; but is still relevant today! In this episode, Dallas and Michael discuss owning residential property in retirement, and highlight the many negatives that come with owning this type of asset. For more information, please visit...
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315 A tale of two horses - Don’t be fooled by low to no volatility if you can’t reach your goals
Whether or not you are a fan of horses, this tale about our equine friends will have you thinking about your money in a different way. In this episode, Dallas and Ali discuss Red Boom and Sky High, two horses that have very different strengths. How we compare them depends on what metric we use…
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314 Contributions age limit – when you are too old to contribute to your super
Did you know that there is a maximum age limit for making personal contributions to your superannuation fund? That age is 75, but there’s a twist to this rule. In this episode, Dallas and Ali discuss the twist, and exactly how late you can contribute to your super fund (to the day!). So if you’re...
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313 Carry-forward contributions – increase your tax return and boost your retirement savings
July 1st, 2024 is just over a year away, and it’s an important date for the financially savvy. In this episode, Dallas and Ali discuss the yearly concessional contributions cap and what the carry forward opportunities mean for you. Making the most of this opportunity doesn’t just boost your tax...
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312 Stage 3 tax cuts - Don’t lose your opportunity to claim a larger tax return
You may or may not have heard that from 1 July 2024, there are going to be tax cuts. What does that mean? How does that affect you? And most importantly, is there anything you can be taking advantage of before the changes? In this episode, Dallas and Ali sit down and discuss these questions, and...
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311 Listener Favourite: Why should it be easy?
This is a repeat of one of our listener favourites. If you wanted to lose weight, would you sit on the couch eating donuts, or have a salad and do some exercise? The answer is simple, yet many people don’t achieve their goals. Often, we want things to happen right away. This is instant...
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310 Listener Favourite: If something cannot go on forever, it will stop
This is a repeat of one of our listener favourites In our industry, it is common to see investors become fearful that bad times will last forever. There will always be forces at play that will work against this. Things will never get as bad you think they will, and if they do, there's nothing we...
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309 Listener Favourite: Don’t Listen to Jerry Seinfeld
This is a replay of one of our favourite episodes. Jerry Seinfeld is a hero when it comes to comedy. In our eyes, he can do no wrong! But when it comes to stocks, his strategy on the show is slightly more like gambling than investing … In this episode, Dallas and Michael discuss how you can be...
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308 You will either die early or you won’t
What do you consider to be the worst-case scenario when it comes to your retirement? Running out of money? Outliving your partner? Whatever fears people may have, many don’t tend to think they will live long enough to see their 80s or 90s, anyway. But the fact is, it’s very common for at least…
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307 Only one member of a couple should have a new car
If your partner or spouse decided to go and buy a new car for themselves, how would you feel? Would you want to upgrade your own vehicle, too? In this episode, Dallas and Ali discuss why only one member of a couple should get a new car at any one time, and how this impacts their savings. For more...
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306 Consistency and compounding
People often underestimate the power of compounding. Coupled with consistency, it’s how some people build a healthy retirement fund. It’s not that they’re just ‘good with money’ or that they have a higher income than most – rather, it’s a combination of consistency and compounding when it comes…
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305 Buying a house won’t make you happy
Buying a house is something that many people see as a milestone; something to aspire to. A place to call home and provide you with security. But once you’ve done the hard yards, bought the house and moved in, will you really be as happy as you anticipated? In this episode, Dallas and Ali discuss…
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304 With structure comes freedom
How does a $9,000-tax return sound? Getting a lump sum of money at the end of the financial year can come in handy for those large, unexpected expenses you haven’t accounted for. In this episode, Dallas and Michael discuss how you can leverage your concessional contribution cap to get a…
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303 You can compare things but you can’t compare experiences
It is human nature to compare ourselves to others. In fact, we compare everything – material possessions, the size of our homes. Experiences, however, are harder to compare, but often bring us more joy. In this episode, Michael and Dallas discuss what studies have already shown us: that spending...
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302 You want volatility!
Fact: volatility is something we should all WANT to have! Only high volatility brings high returns – without it, we are virtually guaranteed very low returns on our hard-earned money. In this episode, Michael and Dallas discuss returns from the sharemarket versus returns from term deposits and…
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301 Moving into cash can cost your kids instead of you
If you’re about to retire, you might feel pressure to be more conservative in your investments. One way to do this is to move your money from super to cash. This is not always a good thing, though – especially if you have kids. In this episode, Dallas and Ali discuss the ‘buffer’ of money you...
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300 5 things to be aware of if your spouse is a different age
If there is a significant age gap between you and your partner (five or more years), there are 5 things you need to be aware of that will affect your retirement planning and finances. In this episode, Dallas and Ali discuss Centrelink, account-based pensions and your super, and how to ensure that...
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299 Pain from losing money is twice as strong compared to the joy felt from gaining money
It never feels good to lose something important in our lives. This is certainly true when it comes to our money – we don’t want to see its value going down, and yet it’s unavoidable due to volatility when it comes to investments. In this episode, Dallas and Ali discuss our perceptions of losing...
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298 Be wary of living out of your home loan
If you have a home loan and can draw from it, that’s a good thing, right? Not necessarily. While having your income be paid directly into your loan account can reduce your interest, the negatives of doing this well and truly outweigh the positives. In this episode, Michael and Dallas discuss what...
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297 When to take advice
Do you like taking advice from other people? Or do you listen half-heartedly before doing the exact opposite of what they have suggested? In this episode, Michael and Dallas delve into when, and from whom, you should take advice – and why an ‘expert in all areas’ is really an expert in no areas....
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296 Warren Buffett says you can just own three companies
Warren Buffett, well-known investor of over 70 years, has said that to invest successfully you only need to own three companies. In this episode, Michael and Dallas argue against this statement and why this strategy won’t work for everybody. They also discuss the role of hindsight when it comes…
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295 The green and red numbers
We can get caught up in a million different things when it comes to retirement planning, when there are only two numbers that actually matter. In this episode, Michael and Dallas discuss what they like to call the red numbers and the green numbers, and why they are the most important numbers once...
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294 High water marks are dangerous
Over the last decade, we've come to realise that people who check their super balance frequently are also the ones prone to panic when it comes to market volatility. So how can you avoid this? In this episode, Dallas and Michael discuss how often you should check your balance, and why setting the...
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293 Building the Lego Titanic
Have you ever embarked on building a 9,000+ piece Lego display? This is Michael’s current project with his young son, Richie: building a giant model of the Titanic. For Michael, instead of ripping his hair out, there’s only one way to build the ship – brick by (Lego) brick. If you want to improve...
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292 33 Years of retirement
What do you see yourself doing when you retire? Going on holidays? Fishing? Taking mid-afternoon naps on the couch? All of those things sound amazing, but could you do them for 33 years straight? In this episode, Dallas and Michael will get you thinking about the many years of retirement that we...
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291 You’re not going to be dead by 80
Have you ever thought about when you’re going to die? It’s probably not something most of us think about often. Yet when we have meetings with clients, many are quick to tell us they’ll be dead by 80. The statement can lead to some awkward laughter; however, the reality of how long you’re likely…
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290 Why diversify
Are your investments diversified? Isn’t it better to invest in big companies like Amazon and Netflix instead of just the top 500 companies of Australia or the world? In short, no. In this episode, Michael and Dallas discuss why diversifying your portfolio is healthy, and whether or not you should...
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ABOUT THIS SHOW
An Australian podcast that provides useful information on retirement planning, superannuation, and the financial world in an easy-to-understand manner. Contact the financial planning experts Michael Hogue and Ali Hogue of Money Over 50 Financial Advisers via email [email protected]
HOSTED BY
Michael & Ali of Money Over 50 Financial Advisers
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Frequently Asked Questions
How many episodes does Money Over 50 have?
Money Over 50 currently has 337 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Money Over 50 about?
An Australian podcast that provides useful information on retirement planning, superannuation, and the financial world in an easy-to-understand manner. Contact the financial planning experts Michael Hogue and Ali Hogue of Money Over 50 Financial Advisers via email [email protected]
How often does Money Over 50 release new episodes?
Money Over 50 publishes regularly with 337 episodes available. Check the episode list for the typical release schedule.
Where can I listen to Money Over 50?
You can listen to Money Over 50 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 Over 50?
Money Over 50 is created and hosted by Michael & Ali of Money Over 50 Financial Advisers.
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