Good Money Habits Podcast

Well the Good Money Habits podcast catalogue is now complete - in this epilogue I reminisce about the journey which has been both a steep learning curve and a blast ........  and of course with any project like this it takes a village so I want to thank all of those who have contributed to this over the last couple of years. Most importantly I want to thank YOU our listeners xxx  

We all go through times in our life when we feel overwhelmed, exhausted, burnt out and anxious only to be left with a feeling of helplessness about how to even start changing things for the better. In this last episode I chat with award winning business woman and author Bronwen Sciortino – who has taken lessons from her personal life experiences to help people trying to overcome these life challenges.......never put off being kind to yourself again ! You can find Bronwen via :  www.sheiqlife.com      

Throughout this podcast series, we have been exploring saving, investing and finances from many different angles but with a primary focus on the educational side which is a fundamental building block to building your confidence around your finances. Knowing WHAT to do is a key component but it is not quite enough to really move the needle. We first need to explore the emotional drivers that influence how we feel about money, why we feel that way, why it actually matters and then how do we seek to increase our emotional intelligence to help us affect positive change. Emotional Intelligence, human behaviour expert and Author Amy Jacobson joins me as we explore this and more!

With a background as a personal insurance specialist, Adam Smith from Succession Matters has been advising clients since 1990.  Listen in as Adam shares his extensive knowledge and experience in everyday language.   Ensuring you have the right mix of Personal Insurances is absolutely fundamental to achieving financial security in your life, but the one that is most commonly overlooked…..this is a must listen to episode as Personal Insurances form a vital and fundamental element of ensuring you are financially protected.

Are you part of the Sandwich Generation? Join me as I chat with the Author of "The Money Sandwich" - Marc Bineham who has written a timeless book for anyone looking for relatable, easy to understand financial tips and guidance. The Money Sandwich has won the "Social Responsibility" category in the 2021 Australian Business Book Awards and was a finalist for the Personal Finance and Investment Category.  Both acknowledgements are well deserved and it was great to be able to chat to Marc about the purpose of this book and why these kind of resources are really needed out there.....

Investing for positive impact has been on my radar right from the outset and to help me explore this crucial space I could think of no one better than my former colleague Giles Gunesekera. Giles is the CEO of the Global Impact Initiative which happens to be the only Australian Company and one of only 36 companies acknowledged globally by the United Nations as a UN LEAD Company for their work with the UN Sustainable Development Goals. Giles received an Outstanding Alumnus award from Oxford, is a Senior Fellow of the Financial Services Institute of Australia and holds numerous not for profit directorships. Giles sits at the forefront of breaking ground in investing for positive impact.

The landscape for investing responsibly and for positive impact is rapidly changing.  Pressure is building from all stakeholders including government, shareholders, industry funds and investors generally. In this podcast episode we will decipher the jargon, work through the history and have on honest discussion about some of the barriers, pitfalls and misinformation that can surround this space. The good news is that where there was once limited investment options available –access to quality investments in this space are growing. Join me in this jam packed podcast episode as I chat with experts from Pengana Capital Group and Perpetual Limited.  

The "mental" side of transitioning to retirement planning is often underestimated and an aspect that is just as important to consider and plan for alongside the financial side.  David and I talk through both sides in this episode - the financial side of retirement  – we will decipher what can happen to your super when you retire, explain what an Account Based Pension is, the minimums you have to draw,  how much is “safe” to draw and how the Centrelink pension works and interacts with it all……. Then we explore the mental side Retirement which can mean different things for different people – some sail into retirement and don't look back – have hobbies/interests/passions they jump straight into – others find it more challenging.  Perhaps they have been so focused on retirement as an end goal that they haven't really thought about what the other side looks like – so lets explore how you can prepare and plan for this key life transition!

Growing your Superannuation is the foundation through which you can plan for a comfortable retirement in a tax effective way.  It has been specifically designed and endorsed by the Federal Government as the preferred way to save for your retirement and has added tax benefits that make it particularly attractive. Travis Edwards joins me to unravel and decipher how you can tackle this key aspect of your financial affairs. What is not commonly known is that our super system is the envy of the world and whilst we can always find fault in any system – on balance, if you haven't already started to get your head around super – please start today – one day, for most of us, it could well become our most valuable asset ….  

If you have been craving some practical guidance on steps to get your financial house in order then this episode is for you ! Terri Watson is the brainchild of The Healthy Wallet Project which is an affordable, do-able, "hands on", 90 day project that helps you develop a money plan, create new money stories and change your mindset around money.  The Healthy Wallet Project is a true "heart and soul" project and I am so excited that Terri has managed to turn her passion to help others realise they are not on their own into a reality - enjoy.

Investment bonds have been on my "hit list" to dig into for this podcast series from the very beginning - often misunderstood and certainly a missed opportunity for many. To help me explore this space I am joined by Grant Hackett OAM. We unravel investment bonds, his career transition from Olympic Swimmer to CEO of a successful financial services company, goal setting, overcoming obstacles and everything in between. Grant generously shares his time on this not to be missed episode - enjoy ! 

For many, giving back to community is something we would like to do more of but may struggle to find the time in our busy lives.  Meet Charis Campbell, Donelle Parkin and Chloe Leow - three of my favourite people who inspire "me" to strive to do more and I have no doubt they will inspire you too. In their own unique ways, they consciously  “ give back “ and whilst they may tackle it differently, for all three, it is simply just a part of who they are. Part of their DNA …..a key to living a happy life.

Drum roll ....... To kick off Season 2 , we explore the "mind - money connection" To take us through how we can identify and start to move past money blocks and limiting beliefs, I am joined by an expert in this space - Christina Cabrera from Wisdom of Wealth.  As a Certified Money Coach and Mindset Mentor to women, Christina sees herself as a Money Life Coach. Through simple techniques learned from extensive training and with over 30 years of hands on personal investment experience, Christina facilitates mindset shifts for women she coaches and mentors. Subtly yet powerfully these shifts create lasting change in behavior around money. This enables women to make educated choices about their finances and take inspired action to create effortless wealth and freedom for themselves and their loved ones.  “Eye Opener”, “Life-Changing” and “Barefoot Investor on Steroids” is what women have said when they emerge from having worked with Christina. They feel empowered to implement the exact strategies they need to create financial freedom for themselves immediately and into the future.

ASIC nominate inadequate cash flow as the number one reason why businesses fail and According to the ABS – approximately 60% of small businesses cease within their first three years of operation. Sobering statistics that have no doubt been amplified with countless businesses having been negatively affected by Covid 19. Good Cashflow management is one of the most fundamental elements of running a financially sound business and often the most under-rated and overlooked. In this episode, I am joined by Dean Gilkison, Director at The Gilkison Group and Iggy Moro, Director at Walker Wayland.  Join us as we unpick how to tackle this critical success factor for small business. 

According to Relationships Australia research, financial stress is the number one cause of relationship breakdown. As we sit in the middle of a pandemic, the economic scarring is becoming evident with indicators like unemployment now sitting at elevated levels and for some the situation will sadly worsen as the government temporary support measures are slowly withdrawn. So given that backdrop, talking through the factors that lead to divorce, what you can do to prepare and ways in which you can get support and advice is something that we feel is needed right now. Join me as I chat with Donna who specialises in helping her clients navigate the divorce maze.

he Good Money Habits – Episode 11 In this episode, Trish Prince joins me in the studio to interview David Dix from Atrium Funds management as we dig into the fundamentals of portfolio construction. Investing is not a ‘one size fits all' and in this episode we explore some of the key factors and elements that should be taken into consideration when designing investment portfolios With thanks to my co-host Trish Prince and our guest David Dix. You can find Trish Prince from Fitzpatrick Private Wealth here: And learn more about David Dix from Atrium Funds Management here: Legal Disclaimer This episode in intended to be general information by nature and might not be appropriate for your personal circumstances. Get in touch: If you enjoyed this episode, please leave a review on Apple podcasts or Spotify. I would love your feedback on the episode – contact julia@lighthousecapital.com.au Follow Julia Schortinghuis: Twitter: twitter.com/lighthouse190 Instagram: Instagram.com/julia_schortinghuis Linkedin: linkedin.com/in/Julia-schortinghuis Facebook: facebook.com/thegoodmoneyhabits

In this episode we explore the world of funds management. What is it exactly and just what do fund managers actually do? Virahi Ross, Head of Research at Magellan, a portfolio manager and member of the Magellan Investment Committee and Emma Cook - Key Account Manager join me as I take a peak under the bonnet of one of Australia's leading fund managers.  

In this episode I chat with Brenda Wills from DLP Life Design, as she shares her wisdom and knowledge by helping to explain the choices and services that are available for aged care in Australia. Whilst Aged care can tend to be confronting, emotional, expensive and complex , there are steps you can take to make the journey smoother and indeed manageable. Join me as Brenda and I chat (in easy to understand language) about how the system works, tips on how to make the process simpler and more affordable and perhaps most importantly - some ideas on how to address the emotional issues that go hand in hand with this life transition.   

According to Statista – assets managed by robo-advisors globally is expected to grow at an annual rate of 26%. It is projected that over the next four years, we will see ~ $25 billion invested via Roboadvice platforms!  In this episode we chat with Pat Garrett the Co-Founder and Co-CEO of Six Park to chat about what Robo Advice is, the marriage between technology and human advice and where things are heading in this fast evolving space.

In this episode I chat with my friend and peer Trish Prince, Senior Financial Planner at Fitzpatrick's Private Wealth and specialist Estate Planning facilitator.  Trish shares her wisdom, expertise and personal story which drives home why this is something we really should take the time to get properly sorted. Whilst no one wants to contemplate what will happen if they lose capacity or pass away, this is an essential element of your financial affairs to get right so that you don't leave a mess for those that you leave behind.    

Finding ways for our kids to build their confidence and skills with money is something that I have been wanting to see more of in our schools and community – so when I heard about Banqer I couldn't wait to learn more !  Join me as I chat with Kendall Flutey - the brainchild and CEO behind Banqer which turns the classroom into a "virtual economy", in a safe, creative and fun way.  Giving our kids the chance to build good money habits from a young age is simply vital as they transition into their young adult lives……

Do you want to get your credit card under control or pay off your mortgage faster ? Join me as we explore the basics of debt and why delayed gratification matters ! 

In this Episode we start to put the three foundations of financial education (compound interest, inflation and diversification) into action by exploring and deciphering superannuation  ... 

In this third Episode of the Foundation Series we explore why personal insurance matters. The different types, how you can own them and then bringing it to life with the personal story of a close friend.... this is an essential aspect of your financial life to get in place - sooner rather than later. 

In this Episode we explore the three fundamentals of financial education, values and goal setting and how to get started on budgeting. Come and join me as we get you started on the pathway to financial security. 

Welcome to Good Money Habits - Episode 1 Has your sense of financial security been rattled by the corona virus ? Want to build your knowledge and skills to build and regain financial security in your life?  Join me, together with experts I know and trust to take steps to get your financial house in order.  Let's do this!