The Wealthlab Podcast (Aust)

Three key changes to the Age Pension happened at the same time but most people only noticed one. If you don’t understand how Centrelink actually assesses your situation, you could be making decisions that unintentionally reduce your pension.In this episode, Scott and Phil break down how the Age Pension really works from the assets test and income test, to deeming rates and recent rule changes. They also walk through real examples to show how small differences in your financial position can impact your entitlement.You’ll learn: - How Centrelink applies the assets test and income test — and which one actually matters most - What counts as an asset (and what doesn’t), including super, property, and personal items - How deeming rates work and why they often benefit retirees more than expected - Why gifting money to family doesn’t immediately improve your pension position - How small changes in assets or income can significantly affect your Age Pension entitlementThis episode is for Australians aged 55+ who want to understand how the Age Pension fits into their retirement plan. If you’re approaching eligibility or already receiving payments, this will help you avoid common mistakes, protect your entitlements, and plan more effectively.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

You probably already have insurance inside your super but do you actually know what it covers? For many Australians, this “set and forget” insurance can be misunderstood, underfunded, or not fit for purpose when it’s needed most.In this episode, Scott and Phil unpack how insurance inside super really works, what types of cover you may already have, and why it often doesn’t align with your actual financial needs. They also explain the key differences between default cover and tailored insurance strategies.You’ll learn: - What types of insurance are typically included in super (life, TPD, and income protection) - Why default cover is often lower than expected, and may not cover your real needs - How policy changes and fine print can impact your ability to claim - The difference between default super insurance and fully underwritten retail policies - When it makes sense to keep your existing cover, and when to review or replace itThis episode is for Australians aged 55+ who want to protect their family, income, and retirement plans. If you haven’t reviewed your insurance in years, this conversation will help you understand what you have, what you might be missing, and how to make more informed decisions moving forward.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/Self-managed super funds (SMSFs) are booming but does that mean they’re right for you? With over $1 trillion now sitting inside SMSFs, more Australians are taking control of their super… but not always for the right reasons.In this episode, Scott and Phil break down the reality behind SMSFs — why they’ve grown so quickly, who’s actually setting them up, and the key risks most people don’t consider. They explore when SMSFs can work well, and when they can quietly create more problems than they solve.You’ll learn: - Why SMSFs have grown to over $1 trillion and who is actually using themThe most common reasons people set them up, including property and alternative investments - The real costs, responsibilities, and compliance requirements involved - Why “more control” can increase risk if you don’t have a clear investment strategy - When an SMSF might make sense and when a regulated super fund may be the better optionThis episode is for Australians aged 55+ who are considering taking more control over their super or exploring SMSFs. If you want to understand the trade-offs, avoid common pitfalls, and make informed decisions about your retirement savings, this episode will help you approach it with clarity.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

You’ve probably heard someone mention a “TTR strategy” but what does it actually mean, and should you be using it? For many Australians, misunderstanding this strategy can lead to missed opportunities… or costly mistakes.In this episode, Scott and Phil break down Transition to Retirement (TTR) in plain English what it is, how it works, and when it actually makes sense. They also explain how the rules have changed over time and why many people are still working off outdated information.You’ll learn: - What a Transition to Retirement (TTR) strategy is and how it works from age 60 - How you can use super to supplement income while reducing work hours - The rules around accessing super, including the 4%–10% drawdown limits - When TTR can be used for tax planning, cash flow, or future strategy - The risks of accessing super too early and reducing your long-term retirement balanceThis episode is for Australians aged 55+ who are approaching retirement and want to understand how to use super more effectively. If you’re considering cutting back work, improving cash flow, or planning the next phase of life, this episode will help you make smarter, more informed decisions.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Debt recycling is everywhere right now but is it actually a smart way to pay off your mortgage faster, or just another risky strategy being overhyped online? The truth is, it can work incredibly well… but only if you understand the risks and structure it properly.In this episode, Scott and Phil break down how debt recycling works in plain English, why it’s gaining popularity again, and where it can go wrong. They walk through real examples to show how using home equity to invest can accelerate wealth but also highlight the behavioural risks that can derail the strategy.You’ll learn: - What debt recycling actually is and how it converts non-deductible debt into tax-deductible debt - How using equity in your home can help build an investment portfolio over time - Why this strategy can reduce your mortgage faster while growing long-term assets - The real risks, including market volatility and selling at the wrong time - Why consistency and discipline matter more than trying to time the marketThis episode is ideal for Australians who have built equity in their home and are looking for more advanced strategies to grow wealth and reduce debt. If you’re considering debt recycling or want to understand whether it’s right for your situation, this episode will help you approach it with clarity and caution.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Downsizing your home and putting money into super might sound simple but it can come with hidden risks that catch many Australians off guard. From Age Pension impacts to costly moving mistakes, getting it wrong can have long-term consequences.In this episode, Scott and Phil break down how downsizer contributions really work, when they make sense, and where people commonly go wrong. They explore both the financial and lifestyle trade-offs, showing why this strategy needs careful planning, not just a quick decision.You’ll learn: - How downsizer contributions work and who is eligible to contribute up to $300,000 each - Why selling your home can reduce or eliminate your Age Pension entitlement - The 90-day rule and timing traps that can invalidate your contribution - How moving costs, stamp duty, and lifestyle changes can erode expected benefits - Why testing a new location before downsizing can help avoid costly mistakesThis episode is for Australians aged 55+ considering downsizing or using home equity to boost retirement savings. If you want to avoid expensive errors, protect your income, and make confident decisions about where and how you live in retirement, this episode will help you plan it properly.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Debt recycling is everywhere right now but is it actually a smart way to pay off your mortgage faster, or just another risky strategy being overhyped online? The truth is, it can work incredibly well… but only if you understand the risks and structure it properly.In this episode, Scott and Phil break down how debt recycling works in plain English, why it’s gaining popularity again, and where it can go wrong. They walk through real examples to show how using home equity to invest can accelerate wealth but also highlight the behavioural risks that can derail the strategy.You’ll learn: - What debt recycling actually is and how it converts non-deductible debt into tax-deductible debt - How using equity in your home can help build an investment portfolio over time - Why this strategy can reduce your mortgage faster while growing long-term assets - The real risks, including market volatility and selling at the wrong time - Why consistency and discipline matter more than trying to time the marketThis episode is ideal for Australians who have built equity in their home and are looking for more advanced strategies to grow wealth and reduce debt. If you’re considering debt recycling or want to understand whether it’s right for your situation, this episode will help you approach it with clarity and caution.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Should you use your super to pay off your mortgage when you turn 60? It’s one of the most common retirement questions Australians ask and the answer isn’t as simple as many people think.In this episode, Scott and Phil unpack the debate around entering retirement with debt. While many Australians are taught to eliminate their mortgage as quickly as possible, the numbers can sometimes tell a different story when superannuation, tax efficiency and long-term investment returns are considered.You’ll learn: - Why many Australians plan to use their super to clear their mortgage at 60 - How investment returns inside super can sometimes outperform mortgage interest - The emotional vs mathematical decision of carrying debt into retirement - Why prioritising super contributions over extra mortgage repayments can be tax-efficient - The risks of entering retirement with too much debt and not enough superThis episode is for Australians approaching retirement who still have a mortgage or other debt. Understanding how super, investment returns and tax interact with your debt strategy can help you make smarter decisions and build more confidence heading into retirement.bout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Several important superannuation changes are coming in the new financial year and if you’re contributing to super or nearing retirement, they could affect your strategy. From higher contribution caps to the new payday super rules, it’s important to understand how these changes may impact your tax position and long-term retirement planning.In this episode, Scott and Phil unpack the latest updates following the release of Australia’s average wage figures and what they mean for superannuation limits. They also discuss potential tax changes being debated in Parliament and some of the hidden traps Australians should watch out for when managing their super contributions.You’ll learn: - How the concessional contribution cap is increasing from $30,000 to $32,500 - Why the non-concessional cap will likely increase from $120,000 to $130,000 - What the new “payday super” rule means and how it could accidentally push you over contribution caps - How high income earners could be affected by Div 293 tax when contribution timing changes - Why triggering the bring-forward rule accidentally can limit your future super contributionsThis episode is for Australians who are actively contributing to super or planning retirement in the next decade. Understanding these rule changes early can help you avoid costly mistakes, optimise tax outcomes, and ensure your super strategy stays aligned with the latest regulationAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

If you’re in your 50s or early 60s, the next 5–10 years will shape what retirement actually feels like. And one of the biggest levers you have isn’t picking better investments. It’s using superannuation properly.In this episode, Scott and Phil break down why super is one of the most tax-effective structures available in Australia. They walk through how concessional contributions work, how the carry forward rule can dramatically reduce tax, and the common traps that can trip people up in their final accumulation years.You’ll learn: - Why super is taxed at 15% in accumulation and 0% in pension phase and why that matters - What a concessional contribution actually is (and how employer super counts toward the cap) - How the $30,000 annual cap works and how to avoid breaching it - How the carry forward rule can reduce capital gains tax or large income spikes - What Div 293 tax is and when high-income earners need to be carefulThis episode is ideal for Australians aged 55+ who are in their peak earning years and want to maximise retirement outcomes through smarter structure, not speculation. If you want to legally reduce tax, boost super, and make the most of the final stretch before retirement, this is essential listening.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

If you’re over 55, your biggest financial risk isn’t the share market or interest rates, it’s your behaviour. At this stage of life, retirement success is less about chasing returns and more about managing your mindset, your spending patterns, and your investment decisions. In this solo episode, Scott explores the psychology of money and how it impacts Australians approaching or entering retirement. With average super balances often sitting below what’s needed for a fully self-funded retirement, the difference between confidence and stress often comes down to behaviour, not just numbers. You’ll learn: - Why behaviour becomes more important than growth once you move from accumulation to retirement - How inherited “money scripts” can quietly influence your spending, investing and retirement confidence - The difference between scarcity thinking and structured asset allocation - Why holding too much cash can erode purchasing power over time- How to think about converting super into sustainable income, not just preserving capitalAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab /Your super fund might be offering “free financial advice” but what if that advice quietly costs you over $100,000 in retirement income? In this episode, we unpack a real case where limited advice inside a super fund led to a costly Age Pension mistake.You’ll learn: - What “intra-fund” advice actually covers — and what it legally cannot advise on - Why retirement planning requires considering both partners, not just one super account - How moving super into pension phase at the wrong time can reduce Age Pension eligibility - Why money held in accumulation phase may be exempt from Centrelink assessment (if one spouse is under Age Pension age) - How missing broader advice can cost six figures in Age Pension payments over timeAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab /Superannuation, the Age Pension and tax rules can feel like a minefield and one wrong move can cost you tens of thousands of dollars. In this episode, we walk through real-life case studies that show how small timing and structure decisions can dramatically change your tax bill and pension outcome.You’ll learn: - How delaying the sale of an investment property by weeks or months can significantly reduce capital gains tax - Why selling assets in your last year of work is often far more expensive than selling after retirement - How catch-up concessional super contributions can be used to legally reduce tax on large capital gains - How Centrelink’s assets test and income test really work for couples approaching the Age Pension age - Why income drawn from super does not count as income for the Age Pension, and how deeming actually appliesAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/

Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab /Markets are volatile, interest rates may be rising, and the news feels chaotic but what does that actually mean for your retirement plans? In this episode, we unpack why reacting to headlines can quietly damage your super and long-term income, especially in the years leading into retirement.You’ll learn:Why trying to “time the market” often reduces long-term returns, even if you avoid some downturnsHow missing just a handful of strong market days can significantly shrink your retirement balanceWhat rising interest rates can mean for conservative portfolios, cash holdings, and bondsHow to think about superannuation as purpose-driven buckets, not one single pool of moneyAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/

Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab /What actually happens to your superannuation when you pass away, and how can gifting money to kids impact your age pension? In this episode, we unpack the often misunderstood intersection between super, inheritance planning, and Centrelink pension eligibility.You’ll learn:- How super is treated after death, and who really gets it- What the “gifting rules” mean for retirees helping out family- Why giving away money too soon could reduce your pension- How to plan smarter with re-contributions, beneficiary nominations & estate strategiesWhether you’re already retired, planning to downsize, or thinking about family wealth transfer, this episode will help you avoid costly mistakes and protect both your legacy and your income.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/Find out more → https://wealthlab.scoreapp.com/Book in a complimentary chat here → https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab /Is gold still worth holding in 2026 — or is it just financial nostalgia?In this episode of the Wealthlab Podcast, we break down the real story behind gold and silver as part of your retirement strategy.We’re dissecting whether gold still offers Australian retirees a true safe haven amidst market volatility, examining its historical performance against inflation and other assets. The discussion unpacks whether its traditional role as a portfolio stabiliser holds up for those navigating retirement in today’s economic climate, considering practical implications for superannuation and investment strategies.👉 What you’ll learn:Does gold protect your retirement income from inflation?Is silver the better play for the next few years?Why gold’s track record might not match its reputationWhether ETFs, bullion, or neither are the right move for your portfolioAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/LinkedIn: https://www.linkedin.com/in/wealthlabplusFacebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results.Wealthlabplus Pty Ltd (AFSL 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-p... Find out more → https://wealthlab.scoreapp.com/ Book in a complimentary chat here → https://meetings.hubspot.com/jkarauri... / 2025 Recap: Best Advice & Moments of the YearIn this episode, we’re sharing the best moments and advice from WealthLab’s most impactful episodes of 2025! Whether you're starting to plan for retirement or looking to refine your strategy, we've got actionable insights for you.Tune in for:✅ The financial truths you need to hear✅ Practical steps for building lasting wealth✅ Advice from the most impactful episodes of the yearLet us know which moment or piece of advice resonates with you and don’t forget to like and subscribe for more insights in 2026!About WealthLabWealthLab helps Australians build wealth, grow businesses, and live life on their terms through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: /wealthlabauLinkedIn: /wealthlabplusFacebook: /wealthlabauDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation, or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/Find out more → https://wealthlab.scoreapp.com/Book in a complimentary chat here → https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab /What actually worked in 2025? And what should you leave behind before stepping into 2026?In this wrap-up episode, We reflect on the year in finance, client stories, wins, and challenges. From rising cost-of-living pressures to surprising super changes (or lack of), they share real conversations from behind the scenes — and what they’re advising clients to focus on heading into the new year.✅ What didn’t change in super – and why that matters✅ The 2025 money habits worth keeping (and ditching)✅ How everyday Aussies actually grew their wealth this year✅ The financial traps that caught people out – and how to avoid them✅ The biggest mindset shifts going into 2026Whether you’re feeling behind or just want to reset your strategy for the year ahead, this episode offers no-BS advice and a grounded perspective to help you build momentum.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/LinkedIn: https://www.linkedin.com/in/wealthlabplusFacebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results.Wealthlabplus Pty Ltd (AFSL 485478).

General Advice Only:Read our Privacy Policy, Fees and AFSL accreditations here:https://wealthlab.com.au/compliance-policies/👉 Find out more about Wealthlab:https://wealthlab.scoreapp.com/📅 Book a complimentary chat:https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlabIs a borderless retirement really as affordable as it looks?The dream of retiring anywhere in the world has never been more appealing. From tropical beaches in Thailand to historic towns in Portugal or vibrant cities across Mexico, the idea of a low-cost, freedom-filled retirement overseas is heavily promoted across social media. But does digital nomadism or overseas retirement actually stack up financially for Australians over the long term?In this episode, Scott and Phil take a practical, numbers-driven look at the growing trend of retiring abroad or adopting a “retire anywhere” lifestyle. They move beyond curated Instagram feeds to explore whether living overseas is sustainable once healthcare, taxation, visas, insurance, and long-term financial security are factored in.The discussion breaks down cost-of-living myths and why many so-called “cheap countries” can become surprisingly expensive over time. Scott and Phil explore how lifestyle creep, frequent travel, currency fluctuations, and global inflation can quietly erode retirement savings. They also unpack the hidden trade-offs of low-tax destinations and why tax residency rules can create unintended consequences for Australian retirees.Healthcare is a major focus of the episode, as it remains one of the biggest reasons Australians return home. The conversation covers access to quality medical care overseas, the limitations of international health insurance, and why ageing changes the risk profile of long-term overseas living. The impact of living abroad on Age Pension eligibility, Centrelink benefits, and long-term entitlements is also examined.Beyond the numbers, Scott and Phil address the emotional realities of retiring overseas, including social isolation, distance from family, and the challenge of maintaining stability later in life. While overseas living can feel exciting early on, these factors are often underestimated.Rather than framing the decision as all-or-nothing, the episode introduces more balanced alternatives. Scott and Phil explore hybrid retirement models, nomad-style living within Australia, and strategies that allow retirees to enjoy travel without compromising healthcare access, financial security, or peace of mind.This episode is essential listening for anyone considering overseas retirement, digital nomad living, or flexible retirement strategies and who wants a realistic assessment of what it truly costs long term.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: /wealthlabauLinkedIn: /wealthlabplusFacebook: /wealthlabauDisclaimer:General advice only. This content does not consider your objectives, financial situation or needs. Consider whether it is appropriate for you and read our Financial Services Guide (FSG) before acting. Past performance is not a reliable indicator of future results.Wealthlabplus Pty Ltd (AFSL 485478).

✅ Worried you're not on track to retire on your terms? Book a free strategy call today → https://meetings.hubspot.com/jkarauria/super-review-intro-call-with-jordan 🎯 Find out more with our quiz? Take our 60-second quiz → https://wealthlab.scoreapp.com/ 🌐 Learn more at https://wealthlab.com.au/Summary In this episode, Scott and Phil explore various financial planning tools, particularly focusing on superannuation comparison tools. They navigate through government and private tools, discussing their effectiveness and usability. The conversation also delves into risk profiling and the importance of understanding investment strategies. Scott & Phil emphasise the need for professional advice in navigating these complex financial landscapes, highlighting the limitations of DIY tools.