A Bite from The Money Sandwich podcast

Worried about what retirement will really look like? In Episode 55 of A Bite From The Money Sandwich, Marc Bineham speaks to Katrina McPhee, Group Executive, Advocacy and Communication and Chief of Staff at Aware Super. Katrina shares insights from Aware Super's latest State of Retirement report, revealing that 63% of Australians over 45 feel anxious about their retirement, with Gen X leading the concern. She explores how understanding your super, maximising tax-free opportunities, and leaving money invested longer can all contribute to greater financial peace of mind. But retirement isn't just about dollars, Katrina also highlights the importance of community, purpose, and wellbeing in creating a meaningful next chapter. https://aware.com.au/ https://aware.com.au/member/about-us/newsroom/march-2025/state-of-retirement-report

Ever wondered how to access the wealth tied up in your home without selling it?   In Episode 54 of A Bite From The Money Sandwich, Marc Bineham speaks to Andre Karney and Kevin Wunsh, Co-Founders and Joint CEOs of Inviva. Andre and Kevin share how reverse mortgages can give retirees financial flexibility by unlocking home equity without monthly repayments. They explain how borrowers can access up to 20% of their property's value at age 60, with no risk of owing more than the home's value. They also discuss market trends, government alternatives, and why financial education is key to empowering retirees. If you or someone you know is asset-rich but cash-poor, this episode is a must-listen!   https://www.inviva.com.au/

Ever wondered how to get the best deal on your mortgage, bills, and financial products? In Episode 53 of A Bite From The Money Sandwich, Marc Bineham speaks to Sally Tindall, who is the Data Insights Director and Chief Spokesperson at Canstar Australia. Sally shares insights from Canstar's 2024 Consumer Pulse Report, highlighting how rising economic pressures have led more Australians to use comparison sites to find better financial deals. She explains why reading the fine print is crucial, how negotiating with lenders can save you money, and the best ways to manage personal debt. Sally also discusses the challenges facing first-time home buyers, the importance of having a plan B, and how to balance financial goals with enjoying life.

I can't believe we're already kicking off 2025! But before we dive into new conversations and guests, let's take a moment to reflect on the highlights of 2024. Over the past year, we've had incredible guests who shared their expertise across a wide range of topics. And as always, Marc asked each of them for their best piece of advice. In today's episode, we've compiled those standout moments—the lessons, insights, and wisdom that shaped their journeys and contributed to their success. These aren't just money tips, but life advice that we can all learn from as we step into the new year. Get ready for some golden nuggets to inspire and guide you in 2025!

Want to know how fixed income investing can boost your savings? In Episode 51 of A Bite From The Money Sandwich, Marc Bineham is joined by Ali Rosenberg, co-founder of Blossom, a savings app providing access to 5.95% p.a. and 7.00% p.a. products to help you reach your goals faster. Whether you're saving for a house, a car, a holiday or just because, Blossom helps you access the targeted returns you need to reach your savings goals faster. Ali shares how she and her sister Gaby, both finance professionals, launched Blossom during the pandemic to break down barriers in the fixed income market. With Blossom Save and Blossom Plus offering competitive returns and flexibility, they've attracted 22,000 customers and just under $90 million in funds under management. Ali discusses how they've created a platform that empowers women, offering low fees, no minimum investment, and future plans to expand into New Zealand, plus joint and kids' accounts. Learn how they're making fixed income investments easier for everyday people.

Ever wonder how someone could lose their life savings to a scam? In Episode 50 of A Bite From The Money Sandwich, Marc Bineham is joined by Tracy Hall, author, keynote speaker and senior marketing executive who has most recently become known as the famous last victim of Hamish McLaren - arguably Australia's most prolific con-man. Tracy lost $317,000 and, for a time, her ability to trust. Now, she shares her story of resilience and recovery. Tracy discusses not only her personal experience but also the larger issues of global scams, victim-blaming, and the emotional toll fraud can take. From spotting red flags to rebuilding trust, Tracy's insights provide invaluable lessons on safeguarding yourself and your finances. With her new memoir, The Last Victim, Tracy aims to educate and raise awareness about scams, while offering hope to others who may have been deceived.   ‘Who the Hell is Hamish' Podcast - https://podcasts.apple.com/au/podcast/who-the-hell-is-hamish/id1451470931 ‘The Last Victim' by Tracy Hall - https://www.amazon.com.au/Last-Victim-betrayal-unbreakable-relationship/dp/0733651151/ref=tmm_pap_swatch_0?_encoding=UTF8&dib_tag=se&dib=eyJ2IjoiMSJ9.i-K8uMa_-BVl791cYR7nqJluy3YtqM_XUQ-mwf3y7wn7JAau8rZRXxdJoqwUlmFQ.K_CJ-Y0Yupn-yNc4DLXbWB3RWvjLacEJrIwG63AZ5fU&qid=1726010371&sr=8-1

Ever thought about how strong community bonds and physical activity can transform mental health? In Episode 49 of A Bite From The Money Sandwich, Marc Bineham is joined by Tim Hewson, founder of Mongrels Men Health & Wellbeing. After 27 years as a banking and finance professional Tim shifted his career to becoming a mental health advocate, inspired by his own experiences with anxiety and depression. Mongrels Men is a charity dedicated to improving men's mental health through social connections and physical activity. Over the past three years, Mongrels Men has expanded from a local initiative to 12 locations across New South Wales and Queensland, with plans to grow nationwide and impact one million men annually. Marc and Tim discuss the importance of early education, reducing stigma, and creating supportive spaces where men can connect and thrive.

Ever wondered if your health insurance is really giving you the best bang for your buck as you age? In Episode 48 of A Bite From The Money Sandwich, Marc Bineham is joined by Kate Browne, Head of Research and Insights at Compare Club. Compare Club helps Australians find savings in their insurance and loans. Kate and Marc dive into the complexities of health insurance for older Australians. As premiums rise and needs change, they explore why it's crucial to review your policy every three years to ensure you're getting the best coverage for your money. They also discuss the benefits of services like Compare Club that help optimise your policy without added costs. Tune in for practical tips on managing your health insurance, understanding coverage tiers, and making sure you're not paying for extras you don't need.

Do you want to know how to equip your young adult children with the financial skills they need for a secure future? In Episode 47 of A Bite From The Money Sandwich, Marc Bineham is joined by Isabelle Charter, CEO and co-founder of Drip Invest, an educational investing app on a mission to build a brighter financial future for young people. Isabelle explains the critical importance of financial education for teenagers and young adults as well as shares her journey and motivation behind Drip Invest. Marc and Isabelle also explore the need for structured financial education, the benefits of starting early, and the importance of bridging the financial literacy gap. Tune in to discover how to empower the next generation with the knowledge, confidence, and discipline to make informed investment decisions. https://www.dripinvest.com.au/

Want to know how to make the smartest moves in property investing?   In this episode, Marc Bineham is joined by Damian Collins, who is founder and managing director of Momentum Wealth, Chairman of Westbridge Funds Management and author of “Property Investing Roadmap”. Marc and Damian talk all things property investing including the key strategies, which Damian also covers in his book. They discuss the importance on educating yourself if you are wanting to invest, and explore the pros and cons of residential versus commercial properties. They also highlights the benefits of diversification, understanding property cycles, and seeking expert advice. If you are interested in property investing, this episode is for you.

Looking to understand how you might be able to deduct car expenses on your tax return this year? In Episode 45 of A Bite From The Money Sandwich, Marc Bineham is joined by Chris Noone, who is the CEO of Carly Car Subscription, one of the leading companies driving the transition to sustainable mobility through car subscription and ‘try before you buy' opportunities for electric vehicles. Marc and Chris delve into tax deductions for car usage, stressing the importance of tracking for tax purposes. They explore various car buying and leasing options, including the benefits and challenges of electric vehicles and car subscription services. From insurance coverage to financial considerations, the discussion covers everything you need to know to make an informed decision.

Ever wondered how you can secure a comfortable retirement despite the rising cost of living? In this episode, Marc Bineham is joined by Jonathan Scholes, who is Head of Client - Wealth at Findex. Marc and Jonathan delve into the importance of early superannuation contributions and strategic retirement planning for Australians. They discuss effective investment strategies for young Australians, the critical role of insurance, and the benefits of maintaining a long-term investment perspective. They also talk about the value of advice, and importance of regular financial check-ups and personalised retirement plans to ensure a secure and comfortable retirement.   Findex https://www.findex.com.au/ Superannuation and Retirement Insights https://www.findex.com.au/superannuation-retirement-insights?utm_source=findex%20web&utm_medium=banner&utm_campaign=wealth%20report&utm_content=superannuation%20insights%20homepage%20banner&utm_term=7018t0000009UmY

Are Australians retiring happy? In this episode, Marc Bineham is joined by Aaron Minney, who is Head of Retirement Income Research at Challenger. Aaron talks about Challenger's inaugural Retirement Happiness Index revealing the happiness of Australians over 60 and the results might surprise you. Marc and Aaron also uncover the secrets to retirement happiness, covering health, social connections, and financial planning. From a mental challenge to guaranteed income options like annuities, they share practical tips and insights to help you navigate your retirement journey with confidence and joy.

Have you ever struggled to stick to your New Year's resolutions? In this episode, Marc Bineham is joined by Dr Carly Reid, who is a Clinical Psychologist at Empower Clinical Psychology and Financial Wellbeing Advisor for Aware Super. Carly works closely with Aware Super for their Financial Fitness campaign. Carly talks to Marc about New Year's resolutions, exploring the psychology behind fresh starts and how to turn intentions into tangible achievements. Marc and Carly also emphasise the importance of setting and staying motivated towards fitness and financial goals, underlining the necessity of taking small steps and staying consistent. Plus, they tackle the impact of financial stress on relationships and share tech tips for better money management.

Have you ever found yourself completely immersed in one pursuit, only to feel lost and uncertain once it's completed? In this episode, Marc Bineham speaks to Danielle McDonough, a professional hockey player turned athlete mindset coach and CEO of Peak Performance Training. Danielle delves into the mental health hurdles athletes face and shares insights into the programs she has crafted to support them, which she also talks about in her book, 'The Empowered Athlete'. Danielle highlights the importance of maintaining a healthy identity beyond sports and offer strategies for accountability, mindset, and growth. Marc and Danielle also explore the significance of goal-setting and the transformative potential of seeking help, alongside the pivotal role coaches play not only in athletes' lives but also for individuals striving to elevate their own pursuits to the next level. https://www.ocppt.com/ The Empowered Athlete book - https://www.amazon.com/dp/B0BMT2NXCM  

When you hear someone talk about the economy, all you hear is interest rates, inflation and investments. But what does this all mean? In this episode, Marc Bineham speaks to Qian Wang, who is the Chief Economist of Vanguard Asia-Pacific. Qian and her team conduct research on the global economy with a focus on the Asia-Pacific region, global capital markets, and related investment topics. Qian and Marc speak about the current global economy and what to look out for in 2024. Qian also shares her views on the importance of asset allocation within your investments.

We can't believe we are already in 2024 but before we bring on new guests, we wanted to take a look back at 2023. We had some amazing guests who shared their expertise across a range of different topics and at the end of each episode Marc asked them what their best piece of advice was. In today's episode we have collected all the best pieces of advice. These are not all money related, but advice they have learnt throughout their careers and lives, which have shaped them and made them the success they are today. Some great gems and pieces of wisdom we can all learn from.

Let's face it, money plays a big role in our lives, but to be good with money it doesn't mean you have to be good with numbers, even though it helps. It's all about how we perceive money and how our core values shape the choices we make. In this episode, Marc Bineham speaks to Amie Baker, who is an award winning financial adviser, a money mindset coach, podcaster, founder of Centsability and if that wasn't enough she is also the NSW State Chair of Inspire for the Financial Advice Association of Australia. Amie and Marc talk about the value of advice, as well as how understanding your money mindset is crucial, as for example, how we were raised to view money as children. Amie also shares her best pieces of money advice which we can all live by. https://centsability.net.au/ https://themoneysandwich.com/

A big part of this podcast is to help you get better with your money and get your money working harder for you through income producing assets like shares, property and your superannuation. Last podcast it was all about the current property market but today's episode is all about Super. Whether you are in your 20s and 30s with retirement seeming so far away or you might be in your 50s and 60s with retirement just around the corner, it is important to make sure you understand it and get it worker harder for you. In this episode, Marc Bineham speak to Peter Hogg from Aware Super. He is Aware Super's Head of Advice, Experiences and Enhancements and they will be talking all things Super and Retirement. Aware Super - https://aware.com.au/ The Money Sandwich – https://themoneysandwich.com

All you hear about today are interest rates and how hard it is to get into the property market. In this episode, Marc Bineham speaks to Dominic Cavagnino, who is Head of Research and Acquisition at Binnari Property. Dom talks all things property and shares the current market trends he is seeing across Australia. Dom and Marc also speak about the different ways to get into the property market, and the importance to just get your foot into the door. Binnari Property - https://binnari.com.au/ The Money Sandwich – https://themoneysandwich.com

Whether you are just starting out in your career or already retired, what does retirement mean to you? And what do you want your retirement to look like? In this episode, Marc Bineham speaks to Shannon Nutter, who is a Principal, Executive Consultant at Vanguard Australia. Shannon speaks to Marc on Vanguard's latest report, How Australia Retires, which is a study exploring Australians' attitudes towards retirement and how they feel about this phase of life. Shannon and Marc speak about the main take outs from the report and how responses varied depending on what stage of life you are currently in. Shannon and Marc also speak about the negative stigma when talking about money and how you just don't know what you don't know, so starting a conversation with a trusted friend or speaking to an expert is so important and can make a positive impact to your financial situation.

Is travelling around Morocco on your bucket list? What about travelling around Morocco alongside an internationally acclaimed Moroccan chef? In this episode, Marc Bineham speaks to Hassan M'Souli, a leading executive chef in Australia. Listen to Hassan's story of coming to Australia in 1985 and how he went from speaking limited English to opening three successful restaurants and winning the world's best African Cookbook in 2010. Marc and Hassan also discuss his latest venture, which Hassan and his wife run luxury culinary tours around Morocco, offering a local's perspective and the chance to prepare traditional dishes with him, including one in the Sahara desert. After all, what's money for if it's not to help you in living your dream life and ticking items off your bucket list. https://www.facebook.com/OutofAfricabyChefHassanMSouli https://www.instagram.com/out.of.africa_tours/  

Have you ever thought about writing a book? Or have you already got a draft at the back of your cupboard that you thought would never see the light of day? In this episode, Marc Bineham speaks to Jaqui Lane, owner of The Book Adviser. Jaqui and her team help businesspeople develop and share their expertise, experiences and insights through self-publishing and marketing their own, high-quality business book. She also helped Marc with his book, The Money Sandwich and has her own strong views on money education. Jaqui speaks to Marc on the process of how to write a book, and that it's not just writing a manuscript, but finding your audience and the importance of marketing the book as well as yourself. The Book Adviser https://thebookadviser.com.au/ The Money Sandwich https://themoneysandwich.com/

You don't know what you don't know, and this is definitely applicable when it comes to your taxes. In this episode, Marc Bineham speaks to Danny Mazevski, founder of AMCO Chartered Tax and Financial Advisers. He is a Chartered Tax Adviser as well as Marc's own tax adviser. Danny speaks to Marc on why speaking to an accountant or tax adviser is something we all should do. Similar to going to a doctor for a check-up to make sure you haven't missed anything; a tax adviser or accountant will see if you have missed anything when it comes to your expenses and taxes as well as ensure you have the right strategy in place. Plus hear Danny's tips for tax time, especially if you work from home. AMCO Chartered Tas and Financial Advisers https://amcotax.com.au/ The Money Sandwich https://themoneysandwich.com/  

Mental Health is so important to understand and to recognise when yourself or someone around you is being affected. But sometimes you don't know what to do next. In this episode, Marc Bineham speaks to Kim Huckerby, founder of The Wellbeing Affect. She is also a keynote speaker and runs accredited Mental Health First Aid and Wellbeing programs around Australia. Kim always knew she wanted to help others and has spent her whole career focusing on mental health and wellbeing. Kim speaks to Marc on what mental health encompasses and the importance to understand how to recognise the signs and help those around you. She also explains her top mental health tips which we all can apply in our lives. Kim Huckerby's website https://www.thewellbeingaffect.com.au/about/ Mental Health First Aid Australia https://mhfa.com.au/ The Money Sandwich https://themoneysandwich.com/

Stress is everywhere and most people struggle with it. But not all stress is bad for you. In this episode, Marc Bineham speaks to Luke Mathers, a top stress expert and performance coach, who transforms how people look at stress, through his speaking, coaching and his three books (Stress Teflon, Curious Habits, and RESET). Luke talks about the importance of understanding stress, and how to embrace the good but most importantly, how to stop letting the bad stress stick. He also talks about his new book ‘Curious Habits' which is all about looking at habits, why we do what we do and how to change it. Luke Mathers' website https://lukemathers.com.au/ Luke Mather's books (Stress Teflon, Curious Habits, and RESET) https://lukemathers.com.au/books/

Being a financial adviser and being a part of the financial services industry, isn't just about getting the best and most appropriate policy for your client. What's also important is the relationship that you build especially when your clients need you most, at claim time and being able to support them and their family in their time of need. Today Marc speaks to Amanda Cassar, the co-founder and sole director of Wealth Planning Partners. Amanda talks about how she started in this industry and what she loves most about being a financial adviser and helping her clients. Amanda also shares how she continues to help others outside of her business, through in part, her book and podcast, ‘Financial Secrets Revealed', and her amazing charity work. Wealth Planning Partners https://www.wealthplanningpartners.com.au/ Financial Secrets Revealed Book https://www.booktopia.com.au/financial-secrets-revealed-amanda-cassar/book/9781925648546.html Financial Secrets Revealed Podcast https://podcasts.apple.com/au/podcast/financial-secrets-revealed/id1579602060 The Money Sandwich https://themoneysandwich.com/

If you were told there is a 70% chance that your house or car could be burnt down, wouldn't you insure it? Well, it is the same when it comes to your own personal insurance and getting cover to make sure you and your family are protected when the unexpected happens. Today Marc speaks to Tim Ross, who is a Senior Partner and Financial Adviser of Henderson Ross & Co Financial Group. Tim explains why it is important to understand the different types of insurance to make sure you have the best coverage, plus why life insurance also creates security and a safety net for your family. Henderson Ross & Co Financial Group https://hendersonross.com.au/ The Money Sandwich https://themoneysandwich.com/

When looking at buying your first property or even looking at building a property portfolio, there is much more than just saving up enough money for the deposit. Today Marc speaks to Arena McLellan, founder of The Property Arena, which is a property education and consultancy business, that has a strong passion for busting the misconceptions of property and teaching people the right way to get a loan and buy property! With an extensive industry expertise in banking, lending, loans and Property Education, Arena explains all the ways to best get into the property market. She believes it's all about understanding what works best for you, how the lending system works and finding an expert to help you get the best property for your situation. Arena is also an investor, on her way to adding her 8th property to her residential and commercial portfolio, all by the age of 23. If you are interested in property, this episode is for you. Property Arena https://linktr.ee/thepropertyarena The Money Sandwich https://themoneysandwich.com/  

With the cost of education continually on the rise, it is sometimes daunting for a young couple or family to plan where they will be getting the money to pay for their children's education. Luckily, there is a solution! Today Marc speaks to Gerard Bailey, who is a Business Development Manager at Futurity Investment Group. Gerard explains the benefits of Education Bonds and how it is the best kept secret of investment bonds and a great alternative for investing when there is an education need, with great tax benefits. Futurity Investment Group – Education Bonds https://www.futurityinvest.com.au/education-bonds The Money Sandwich https://themoneysandwich.com/ What is an Education Bond? Video https://youtu.be/Equa5TRm-Q4

When thinking about the roles of women and men in the workforce there are still some default assumptions which continues to fuel the gender gap. Today Marc speaks to Danielle Dobson, who is the founder of Code Conversations and author of Breaking the Gender Code. Danielle uses her research and experiences to help women and men work together to break the Gender Code, so they can be the leader, partner, parent, as well as the person they want to be. Danielle speaks about how we need to breakdown the code and how this can benefit businesses but also allow women and men to focus on what they value the most.   Code Conversation https://www.codeconversations.com.au/ Breaking the Gender Code Book https://www.codeconversations.com.au/breaking-the-gender-code/ Unfinished Business Book by Anne-Marie Slaughter https://www.booktopia.com.au/unfinished-business-anne-marie-slaughter/book/9780670077670.html The Money Sandwich https://themoneysandwich.com/  

From a survey commissioned by Kit, they found that 48% of parents avoid discussing money with their children. However, kids attitudes and values towards money starts from their homes, which is why parents need to be more involved in their children's financial education. Today Marc speaks to Yish Koh, who is the Managing Director of Kit, a new CommBank-backed money app for Kids launched by x15ventures. Kit was developed to help your little grownups earn, save, spend, and learn. Yish talks about the importance of teaching children the value of work and the value of money and that it is never too early to start creating positive money mindsets. Kit https://heykit.com.au/ The Money Sandwich https://themoneysandwich.com/

When thinking about money and money management, it isn't always about your knowledge and expertise, but also the emotional element. A big aspect is the fear created if you don't get it right, so it is important to understand and break down these fears. Today Marc is joined by Natasha Janssens, who is the author of Wonder Woman's Guide to Money and an award-winning accountant, mortgage broker, ex-financial planner and money coach for women. After arriving in Australia as an 18-year-old refugee without her family, Natasha learned firsthand the complexities of navigating the Australian financial system and the challenges faced by Australian women. With no knowledge or support network of her own, she set out to learn everything she could. Natasha speaks about what she has learnt since coming to Australia and the stigma around women and money, and how we need to acknowledge and build confidence when it comes to managing our money. Wonder Woman's Guide to Money https://www.amazon.com.au/Wonder-Womans-Guide-Money-Management/dp/0648244288 Woman with Cents https://womenwithcents.com.au/ The Money Sandwich https://themoneysandwich.com/

Incredibly excited to hear Victoria Black's '5 Keys To How To Have a Great Day, Every Day' as if you are not in a happy and positive state of mind, it's going to be difficult to achieve any goal including financial. Victoria Black, Founder of Modern Wedding, Australia's leading publisher of wedding magazines and websites. Which she led for over 27 years as Publisher and Editor-In-Chief including winning the Australian Businesswoman of the Year with the Optus My Business Awards in 2016. In 2018 Victoria co-founded SuperFastDiet.com, a revolutionary online weight loss and lifestyle program which has helped over 100,000 users lose weight and get results they have never been able to achieve before - winning "Australian Start-Up Business of the Year"!

With the new release of The Money Sandwich, Marc Bineham wanted to provide you with some background on the book as well as answer a few questions that he has received, such as the reasoning behind the book, why there is a new release and what's next for The Money Sandwich. Everyone deserves to retire comfortably and on their own terms. Make this the year you take action, order your copy today! Booktopia Affiliate Link https://booktopia.kh4ffx.net/5bQxNj The Money Sandwich https://themoneysandwich.com/

We all want our money to work harder for us, but what if it can also help create a more sustainable future? Today Marc is joined by Marshall Brentnall, Director and Senior Financial Planner at Evalesco Financial Services, as well as a Member of the Investment Committee of AAN Asset Management. Marshall is also an award-winning adviser, winning the IFA Investment Adviser of the Year in 2021. Marc and Marshall discuss how Ethical Investing is becoming more popular for investors and clients and how the increasing demand is shaping the way superannuation and investment funds are looking at their portfolios. Marshall also shares what he hopes to see in the future for ethical investing.   Evalesco Financial Services https://evalesco.com.au AAN Asset Management – Sustainable Growth Model visit https://aanam.com.au/investment-models/sustainable-growth-model/ The Money Sandwich https://themoneysandwich.com/

Financial advice as a profession continues to change and adapt, but at the core it is about helping people. Today Marc is joined by Fraser Jack who is a retired Financial Adviser, and now founder of The Cyber Collective and host of the XY Adviser Podcast. Marc and Fraser discuss the value of advice and why they both became advisers, but also how they have adapted to help the many over the few. They also talk about the money mindset for clients and how advisers and coaches need to understand the emotional behaviours that drives a person's habits, motivations and values, as it is not all about the numbers. The Cyber Collective https://www.thecybercollective.com.au XY Adviser Podcast https://www.xyadviser.com/podcasts/ The Money Sandwich https://themoneysandwich.com/

Learning how to manage your money is important at every age and it is important to find a way that works best for you. Today Marc is joined by Glen James, a retired financial adviser and creator and host of my millennial money. Glen talks about how he wanted to help people with their money and the importance of finding what system works best for them. He even shares his own 3 step financial plan which gives him balance in his life. Glen and Marc also speak about other key areas of money matters, such as dealing with debt and once you hear Glen speak, you can see why my millennial money has grown into a community of over 85,000. my millennial money https://www.mymillennial.money/ Glen James Spending Plan https://www.mymillennial.money/spending-plan my millennial money Podcast https://www.mymillennial.money/mymillennialmoney The Money Sandwich https://themoneysandwich.com/

When thinking about retirement a lot of people only focus on their finances, but there is a lot of other elements which are also important to think about when planning for this next stage of life. Today Marc is joined by Professor Joanne (Jo) Earl. UNSW. M.Psych; PhD (Psychology) who is a psychologist and researcher at Macquarie University. Her program of research focuses on developing solutions to improve pre and post retirement planning at both the individual and organizational level along with identifying predictors of retirement adjustment for retirees. In this Episode, Jo talks about her ‘holistic retirement planning' research as health and your next big challenge is just as important as the finances. As we all want to make sure the transition to this next stage of life is a positive experience as everyone deserves to retire and on their own terms. There latest study is looking for participants who are over 50, paying into superannuation and still working. If you are interested could you click on the QR codes above. the QR codes have the following link https://uwa.qualtrics.com/jfe/form/SV_a5h1Cbkx9o4shvM Macquarie University Professor Joanne Earl Profile https://researchers.mq.edu.au/en/persons/j-k-earl The Money Sandwich https://themoneysandwich.com/ 

Did you know more people become millionaires through property than any other investment type. This has been true for over 100 years. But with such a large purchase it's easy to make a mistake, as few of us are experts. It's why we need to gain the knowledge and understand what the wealthy have been teaching their children for generations, as it's all about good debt and leveraging. Today Marc is joined by Rich Harvey, who is the CEO and Founder of Propertybuyer. Rich is a licensed real estate buyers' agent, and professional economist with over 20 years' experience in the property industry. He provides valuable insights for when buying property, what to look out for, including some of the major pitfalls, and what the current trends are so you are more equipped when buying that next property or considering their expert services. Propertybuyer: https://propertybuyer.com.au/ The Money Sandwich https://themoneysandwich.com/

Whether you are a first time buyer or looking to add to your property portfolio, buying property isn't something you do everyday. So it's important to understand what specialists you need to help you make the best choice. As it's a very expensive mistake if you get it wrong. On today's episode Marc is joined by Phillip Allen, Director of My Debt Adviser, who is going to help go through the Who's who when buying property. He will also provide some valuable insights and tips on being as well prepared as possible, when applying for your mortgage loan. My Debt Adviser: https://mydebtadviser.com.au/ The Money Sandwich https://themoneysandwich.com/  

While most know the name Grant Hackett well and remember his race for gold back at the 2000 Olympics in Sydney, but many would not know he is now the CEO of Generation Life Investment Bonds. For us in the Finance profession, investment bonds are one of those best kept secrets, which really everyone should know about. Anyone thinking of saving for a long term project such as their children's education or deposit for a new property - investment bonds with their unique tax benefits, make saving for any long term project that much easier. So I am thankful to have Grant here today to talk about investment bonds, why he sees so much benefit in them, and will also touch on his sporting background especially how being coached or mentored in any aspect of life, not just sporting, makes reaching goals so much easier. Also look out for Grant's 'final bite', for his best piece of advice that his Dad provided him around the 40 minute mark. Generation Life Investment Bonds https://genlife.com.au/ The Money Sandwich https://themoneysandwich.com/

Do you know what to do if your parents need assistance, or need to move into aged care? Sometimes we can plan for this but more often than not, it is thrust upon us say with a major health issue and usually we are not prepared, don't know what to do or where to turn to for help. Today I'm talking with Louise Biti, the co-founder and Director of Aged Care Steps. Louise will be talking about the realistic challenges you face with ageing parents, how you can help, and importantly understand you are not alone and there is help available. Louise will also provide her top tips to help you make informed decisions about when your parents need to take these next steps.   Aged Care Steps https://agedcaresteps.com.au/ Don't Panic Aged Care Survival Guide – Louise Biti's Book https://www.boffinsbooks.com.au/books/9780646801124/dont-panic-aged-care-survival-guide My Aged Care https://www.myagedcare.gov.au/ The Money Sandwich https://themoneysandwich.com/  

Listen to our guests share the best piece of advice they have learnt from friends and family over the years that have helped shape their lives and made them the success they are today. Some great gems and pieces of wisdom to learn from and share.

Are you tired of full-time work? Are you thinking about what's next? Transitioning to the next phase of your life can be really hard without the proper guidance and forward thinking. Today Marc talks with Natalie Yan-Chatonsky, the founder and CEO of Full Time Lives. Nat talks about transitioning to retirement, or as she says transitioning to full-time living. Hear Nat's five key ingredients to achieve a sustainable transition to full time living. Full Time Lives https://fulltimelives.com/ Full Time Lives Quiz https://fulltimelives.com/quiz The Money Sandwich https://themoneysandwich.com/  

Any good life or financial plan has a safety net, as who knows what's around the corner! Estate planning is planning for the unknown and is more than just organising your Will. We want to make sure we don't leave any unnecessary legal and tax trouble for our loved ones. Today Marc talks with Katrina Brown, the Practice Director of Nautilus Law Group, who has been specialising in estate planning law for over 20 years. Katrina talks about estate planning in easy to understand language without the complex legal jargon, and especially listen out for why we should all know about Testamentary Trusts. By the end you will know what's important and what decisions you need to consider today, so you can enjoy a stress-free estate tomorrow, with lots of practical tips and help along the way.   Nautilus Law Group https://nautiluslaw.com.au/ STEP Australia https://stepaustralia.com/ The Money Sandwich https://themoneysandwich.com/

Tim Henry is a financial adviser with a difference. Apart from running a very successful Melbourne based practice called Aspire Planning, he also hosts the very popular podcast The Grass is Greener. As he says in his podcast he discusses everyday financial challenges with inspiration and education to help people make awesome personal and financial decisions. Hear his thoughts and ideas for a comfortable retirement with purpose, especially his top 3 money tips at the end of the show.   Aspire Financial Planning - Financial Advisors in Bayside, Melbourne (aspireplanning.com.au) Podcast - The Grass Is Greener Podcast (tgigpodcast.com.au)

Chris and Wendy Sparks have always been ahead of their time, working remotely and acting on a sea change long before it became popular especially through COVID. Listen to their journey from busy executive and health professional, to their transition to the farm by the sea in beautiful south coast of NSW and now about to be fully retired. What worked, what surprised them and why they would never move back to the big smoke!

We all want a comfortable retirement and want our money to work harder for us. However, a lot of us don't want to take the risk when it comes to our investments. But is staying conservative causing more harm then taking on some risk? Today Marc speaks to Jody Fitzgerald, who is Head of Institutional Portfolio Management and Solutions at Morningstar. Jody speaks about the power of diversity in an investment portfolio and how shares and our superannuation can help us reach retirement with our money working harder and longer for us. Morningstar https://www.morningstar.com/en-au/company ESG Investing at Morningstar https://www.morningstar.com/products/esg-investing The Money Sandwich https://themoneysandwich.com/

One of the biggest roadblocks to getting your money sorted is feeling that you have left it too late. After 30 years of being an adviser and helping many in their 50s and 60s, Marc knows this is rarely true, but the important thing is to take the first step and seek help. On today's episode Marc talks about some of the biggest myths when it comes to managing your money, planning for your retirement and getting your money working harder for you as now we are all living longer, we need our money to last. The Money Sandwich https://themoneysandwich.com/  

The finance industry has slowly seen a cultural change from a once male dominated industry to a rise in women from both the professional side and from the side of seeking advice and coaching. Women in particular like today's guest has helped change the way we talk and educate about money matters for the better. Today Marc speaks to Julia Newbould, Managing Editor of Money Magazine, Australia's most read personal finance magazine. Julia also hosts the podcast Friends with Money and is co-author of the book The Joy of Money with Kate McCallum. Julia talks to Marc about all things money, women, and how millennials are taking more of an interest in their finances than any previous generation. The Joy of Money Book Money Magazine https://www.moneymag.com.au/ Rich Dad, Poor Dad Book Friends with Money Podcast https://www.moneymag.com.au/category/podcast The Money Sandwich https://themoneysandwich.com/