All Episodes

339 When can you access your super? - AUDIO FIXED

338 You can't have everything! Be realistic with your goals - AUDIO FIXED

337 Get more money into Australia's best tax shelter – contribution cap increases

336 How to choose a financial adviser that is right for you

335 The Silent Killer - The effects of inflation and purchasing power

334 Downsizer contributions - tips, tricks & benefits

333 Are there ways to pay 0% tax besides an account-based pension?

332 Your $3.8 million tax-free trust

331 We're Back! Concessionals & Carry-forwards

330 4 ideas on what to do when you don’t have enough to retire on

329 Starting a financial plan will include pain

328 ”I’m a pensioner now” - Beware the power of self-identity

327 3 Changes to superannuation from 1 July 2023

326 Say your fears out loud to take their power away

325 You don’t need to go to the other side of the world to enjoy retirement

324 Listener Favourite: Knowing you don’t need to work makes work better

323 Listener Favourite: You can compare things but you can’t compare experiences

322 Listener Favourite: Why my kids won’t get an inheritance

321 Listener Favourite: A moral guide to minimising taxes

320 Listener Favourite: When to take advice

319 Listener Favourite: 3 simple things (in retirement planning)

318 Listener Favourite: The best way to avoid panicking in a downturn is not to panic

317 Listener Favourite: Fridges with ice makers

316 Listener Favourite: Why a residential investment property is the worst asset to own in retirement

315 A tale of two horses - Don’t be fooled by low to no volatility if you can’t reach your goals

314 Contributions age limit – when you are too old to contribute to your super

313 Carry-forward contributions – increase your tax return and boost your retirement savings

312 Stage 3 tax cuts - Don’t lose your opportunity to claim a larger tax return

311 Listener Favourite: Why should it be easy?

310 Listener Favourite: If something cannot go on forever, it will stop

309 Listener Favourite: Don’t Listen to Jerry Seinfeld

308 You will either die early or you won’t

307 Only one member of a couple should have a new car

306 Consistency and compounding

305 Buying a house won’t make you happy

304 With structure comes freedom

303 You can compare things but you can’t compare experiences

302 You want volatility!

301 Moving into cash can cost your kids instead of you

300 5 things to be aware of if your spouse is a different age

299 Pain from losing money is twice as strong compared to the joy felt from gaining money

298 Be wary of living out of your home loan

297 When to take advice

296 Warren Buffett says you can just own three companies

295 The green and red numbers

294 High water marks are dangerous

293 Building the Lego Titanic

292 33 Years of retirement

291 You’re not going to be dead by 80

290 Why diversify

289 Should I have bought $160 pyjamas?

288 Rationality under uncertainty

287 How cash in the bank can change behaviour

286 All the interesting discussions are about trade-offs

285 You can’t get money if you secretly despise it

284 Stop neglecting yourself!

283 Do you have any idea how long shares have been around for?

282 Why companies share prices keep growing

281 The Simple Things

280 The first year of retirement is always the most volatile

279 Free Markets

278 What I think when I see a city skyline

277 Supply and demand

276 Case study: risks of commercial property in retirement

275 Knowing you don’t need to work makes work better

274 It’s my turn

273 You can’t touch this!

272 Beware the chameleon adviser

271 A moral guide to minimising taxes

270 Why you should spread your eggs

269 Why a retiree could benefit from working

268 Listener Questions – Working part time in retirement

267 Don’t listen to Jerry Seinfield

266 Do you prefer possessions or experiences?

265 Money is a medium

264 Fridges with ice makers

263 It’s all one bucket

262 Foreign currency transfers

261 A new thing won’t make you a certain type of person

260 All projections are wrong but some are useful

259 The percentage of podcasts we dedicate to not panicking

258 Why should it be easy?

257 Don’t spread your eggs (when you’re already highly diversified)

256 75c McDonald ice cream cones (things are going to cost more money in the future)

255 The stock tip

254 Directionally right is more important than precision

253 Having a healthy diet doesn’t guarantee a long & healthy life

252 There is nothing wrong with a 50% drop (when invested in good quality companies)

251 Attitudes of money - it can’t make you feel safe and be unreliable at the same time

250 Happy 30th birthday superannuation

249 Getting talked back into working after retiring

248 The best way to avoid panicking in a downturn is to not panic

247 Why my kids won’t get an inheritance

246 ”What do you think about buying BHP shares?” ”I don’t...” - The questions that are actually important

245 Running out of money is not a valid strategy

244 Listener question - When to draw from cash band?

243 Listener Question - Super income stream

242 Pain does exist in this dojo (building for your future isn’t pain-free)

241 You make your money by holding for 30 years

240 The Baltic Dry Index

239 Case study - Getting into position to work part-time within 2 years

238 Success over 3 decades of retirement

237 Why we have started charging for our initial consultation

236 If something cannot go forever, it will stop

235 Cash is like tinned food, while companies are like a veggie garden

234 Invest when you have the money, withdraw when you need it

233 Large companies can‘t be both greedy and risky

232 Your money has to have a job description

231 Avocados for $1 from $2 (companies down by 50%)

230 Ways to get beaten on a protest in retirement planning

229 Beware of people telling you to ”get out of the share market”

228 Why balanced funds aren‘t appropriate for retirees

227 Thoughtful, considered & delayed spending

226 Money as atomic energy (the compounding nature of investing)

225 There is no next thing in retirement

224 You maybe doubling up on cash without even knowing

223 The market doesn‘t fall, there is just more sellers than buyers

222 Move the chains (consistently move towards meeting your retirement goals)

221 Get in the habit of looking for good news (don‘t let the constant negative stories affect your retirement plan)

219 Why do you fear retirement? And how do these fears affect your potential plan?

218 3 simple things (in retirement planning)

217 Getting punched 50% of the time is better than 100% of the time

216 How long it takes to make $100,000

215 The future is much brighter than we think

214 People are still fearful to invest in companies (even though they play a significant role in your future wealth)

213 Life‘s too short to drink bad wine (plan to do the things you enjoy in your retirement, not to cut back)

212 CBA shares vs Sydney property (over 30 years)

211 How to save for retirement without using money

210 Protect yourself at all times (be careful of investing too conservatively)

209 Intimediary monkeys (why you need to evolve with the times)

208 You‘ll spend a quarter of a million dollars in the first 3 years of retirement

207 Your financial adviser SHOULD BE ”too involved” in your financial life

206 Poor health decisions vs poor financial decisions

205 The importance of global companies & diversity

204 Listener question - Retiring before 60

203 Do you have a financial adviser or a portfolio manager?

202 Is a QSuper (or any super fund's) lifecycle investment strategy right for you?

201Are industry funds as low cost as they claim to be?

200 Another milestone (what we‘ve learnt & taught over 200 episodes)

199 Listener Question: What if you‘ve already retired and you don‘t have enough money

198 My $15,000 car is still going and I haven‘t spent a cent on it

197 Listener Question: Investing money outside of superannuation

196 How to convince your spouse to see a financial adviser

195 "$100k isn't much anymore"

194 Test drive your retirement

193 The 1% extras in saving for your retirement

192 A good financial planning business is like a think-tank (we pull the data and give you the best directions)

191 Your bank doesn't care about you and that's OK

190 Listener Question: Life & TPD insurance inside superannuation

189 Why a good financial adviser is like a good cornerman in boxing

188 The only numbers that matter (to your retirement savings)

187 Every time you borrow money, you take it from your future self

186 The average 60 year old is far more employable than they think

185 If the ATO doesn't call, you'll know it's me

184 What if I'm 45 (Why we only work with people over 50)

183 Why I am right about most things (why I, as your financial adviser, know how decisions will affect you in the future)

182 How to avoid getting robbed by your financial adviser

181 We take care of it all, while you can enjoy your financial freedom (Of course you don't want to go to your rectal examinations)

180 The "hard work, good work" matrix

179 How to turn $700,000 to $2,000,000

178 How much income can you draw from an extra $100,000 in retirement savings

177 Why you shouldn't fix your loan's interest rates

176 Your house is more like a car than a super fund

175 Why you probably need 1.1 cars in retirement and what to do about it

174 Brown M&M's (Why the little things are important)

173 Living on the Age Pension is better than being a king 500 years ago

172 Small Business CGT Concessions

171 How you should setup your own business in semi-retirement (Part 3)

170 Who should setup their own business in semi-retirement (Part 2)

169 Why you should setup your own business in semi-retirement (Part 1)

168 No one is raking up cash and setting fire to it

167 Setting up investments for the grandkids

166 The Dodge Ram index (overconfidence leads to overspending)

165 Changes to super contribution caps

164 Either save money or stop stressing about it

163 Ramsay's kitchen nightmares for retirees

162 Getting a good return is not a good retirement goal

161 The difference between a good accountant and a good financial adviser

160 Money spent is kinetic energy, money saved is potential energy

159 The most likely returns of the last 30 years

158 There are only 3 things that you need to do, we just don't know what they are yet

157 Do or do not, there is no try

156 You're right where you want to be...

155 Goals, then plan, then portfolio

154 2 minutes of doing beats 58 minutes of talking

153 Owning vs lending

152 Does thinking about money hurt your head?

151 Bolting it all together - In retirement

150 Bolting it all together - While you're working

149 Biases - Why we get caught up with the crowd

148 Owning the great companies at the push of a button

147 The good, the bad & the ugly of tax deductions

146 5 retirement rules of thumb

145 0% tax if you change employer after age 60

144 Biases - Why we believe fake news

143 Why the best financial advisers need their own financial adviser

142 Why it's not enough to have your balance go up every year

141 Why would I want share prices to go up?

140 Biases - Why we struggle to fix our mistakes

139 We never know why company share prices fluctuate, only that they will

138 What if I retired and my super dropped by 30%?

137 We want personalisation, not choice

136 Biases - Why we make mistakes

135 Listener Question: Building a 2 bedroom cottage

134 No one's coming

133 Federal Budget 2020 tax cuts (we've found the $100pw for you)

132 Find money and automate

131 The facts of the last 30 years

130 Possibility or probability

129 Covid-19 Podcast: Australia's and the world's great companies finished up 6% for 2020

128 Is your financial adviser a doctor or a waiter?

127 The shocking risk of term deposits

126 Tax planning for show, behavioural advice for dough

125 Goal focused, long-term and planning driven

124 Own companies forever and live off the dividends

123 Protect purchasing power not principal

122 FAQ - Are you owned by a big corporate?

121 FAQ - Are they going to put me in a product they get a kickback from?

119 The 2 biggest problems with our retirement system

118 Retirement planning risks - Legislative risks

117 Retirement planning risks - Liquidity risk

116 FAQ - What if I disagree with what the adviser says?

115 Why elections don't affect companies prices in the long term

114 Simplicity is best

113 Owning an index fund is like picking the 6 best batsman

112 Diversity leads to better decision making

111 The difference between gold, property and companies

110 Retirement planning risks - Sequencing risk

109 Retirement planning risks - Business risk

108 FAQ's - Are they going to stop me spending money?

107 Retirement risks - Market risk

106 "No" is a complete sentence

105 The give-up, get-back ratio

104 Retirement risks - Purchasing power risks

103 Listener questions - Small business tips and traps

102 FAQ - Who are your clients?

101 The highest likelihood of enough vs the highest expected value

100 5 luxury goods in retirement

099 A look back: Almost 100 episodes

098 Why depreciation is a real expense, not just a tax deduction

097 How to give money to your kids

096 When to give money to your kids

095 Why I decided to rent again and why most retirees should

094 Listener Questions: Selling property now vs at retirement

093 Definition of a financial adviser

092 Why we can only take on 50 more clients

091 Profit first - Part 2 Logistics

090 Profit first - Part 1 Theory

089 Investing in one company is like a day at the races

088 Turning $100 per week into $100,000

087 What to do after you make a mistake

086 Retirement planning is a series of sprints not a marathon

085 Making decisions based on a plan or fear

084 Taxes in retirement

083 Why it's not as easy as just buying shares while they're cheap

082 Listener Question: When to seed 1-2 years worth of income needs in retirement

081 5 legal loopholes to take advantage of (Version 2)

080 No boundaries

079 Listener Question: Low income earners

078 No such thing as no risk

077 What does "keep some powder dry" mean?

076 What matters and what doesn't matter

075 Case study - 4 years from retirement

074 Willpower is a myth

073 Hybrid Vigour

072 What scares you about retirement?

071 3 immediate changes you can make

070 Lack of financial doing is like me not going for my medical tests

069 Why we only take on new clients over 50

068 Claiming your $10,000 tax refund

067 Covid-19 Update: Wind in our sails

066 Case study - 10 years from retirement with job changes

065 Case study - Travelling each year and then semi-retiring at age 58

064 Investing is the worst form of retirement planning excepting for all others

063 Why you should make personal contributions to super instead of salary sacrificing

062 Hand up VS Hand out

061 When to sack the coach (Financial Adviser)

060 Final Covid-19 update

059 You can't take away risk, you can only shift it

058 Covid-19 Update: 24% off everything

057 What is an account based pension?

056 Why we say companies instead of shares

055 Covid-19 Update: Up 5% Mon-Thurs, then down 5% Friday

054 Fear of loss Vs. Fear of missing out

053 Covid-19 Update: 27% off everything

052 How to add $500,000 to your superannuation balance

051 Why moving your super into cash could cost you $250,000

050 Covid-19 Weekly Update: 23% off everything

049 Why a residential investment property is the worst asset to own in retirement

048 What does a 30% , 40%, and 57% drop feel like - Part 3

047 Covid-19 Weekly Update: 25% off everything

046 What does a 30% , 40%, and 57% drop feel like - Part 2

045 What does a 30% , 40%, and 57% drop feel like? - Part 1

044 Why now is a great time for retirement planning

043 Covid-19 Update: 30% off everything

042 'When things settle down', and what that really means

041 Why volatility isn't a sign you did something wrong

040 Cash is king

039 How to avoid a 17% inheritance tax

038 Generation X turns 55

037 What not to do about market volatility

036 Soup Nazi

035 3 ways that people lose money in shares

034 5 reasons couples argue over money

033 Should you pay off your mortgage or contribute to super?

032 We don't live an extravagant lifestyle

031 What's a good investment?

030 Making the most of the decade

029 REPLAY - 015 Different ways to draw an income in retirement

028 New Year's resolutions

027 Financial mythbusters

026 FAQ Part 3 - Do I need to sign a contract?

025 FAQ Part 2 - What information do I need to provide?

024 FAQ Part 1 - What are your fees?

023 Active management VS Index management

022 What are you worried about?

021 Why 99% of people shouldn't have SMSFs

020 Travel in 70s with Maria Pandalai

019 Travel in 60s with Maria Pandalai

018 Travel in 50s with Maria Pandalai

017 Career Change Later in Life with Cathy Boyce

016 Financial stress VS Financial problems

015 Different ways to draw an income in retirement

014 Should you have a budget?

013 The wrong people to have around you - financially

012 Top 5 reasons retirement plans get derailed - financial planning without financial doing

011 Top 5 reasons retirement plans get derailed - not working backwards

010 Top 5 reasons retirement plans get derailed - not starting today

009 Top 5 reasons retirement plans get derailed - leaving money on the table

008 Top 5 reasons retirement plans get derailed - budget is inaccurate

007 Are private school and university a good investment?

006 How much will I spend in retirement?

005 Can we do this on our own?

004 What super fund should I be in?

003 Drive a $15,000 car to draw an extra $717,000 in retirement

002 Semi-Retirement vs Retirement

001 Downsizing your home, instead of your lifestyle