Podcasts about pds

Who among us has struggled with spending? Alright, how many of you answered ‘yes’ because you struggle to *spend* money, rather than spending it too freely? This week on Friday Drinks, Bec and Jess discuss a handful of money dilemmas from our community, including one about having a frugal money mindset that’s actively impacting your ability to spend. They also discuss whether it’s worthwhile to withdraw your investments to fund a business idea. Join us for another playful episode featuring a silly Question of the Week, plus, Money Wins and Broke Tips, including how to extend the life of your continental cucumbers. (We've never needed a video episode more.) MONEY ON YOUR MIND: How much do you understand about your money mindset? Take this quiz to find out. STRUGGLE WITH SPENDING? Here’s a link to our budgeting page and playlists. Whether you’re overspending or looking to introduce responsible spending into your budget, perhaps allocating funds towards particular things might help shift your mindset. KNOW YOUR RISKS During this episode we discussed the pros and cons of withdrawing your investments to fund a business idea. Check out this blog on why we tend to steer away from short-term investments. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Tax. You’ll do it “later”, right? Famous last words, my friends. This week’s Deep Dive is here to save your EOFY by giving you a laundry list of things to consider ahead of June 30. Whether you’re employed, a side-hustler or a sole trader, Victoria and Jess have gathered their recommendations for approaching the new financial year with confidence – and they’ve got the receipts to prove it. They’ll cover the latest changes to CGT, including how and when it might impact your investments, as well as immediate considerations if you’ve been worried about your accounting habits. From claims, offsets, salary sacrificing, BAS, GST, and tax brackets to defining what really makes your hobby a business, tune in for answers to those tax questions that you were too embarrassed to ask your accountant (again). This episode is brought to you by Hnry, Australia’s largest tax automation and accounting service, just for sole traders. Head to hnry.com.au to never think about tax again. READ THE BUSINESS BIBLE: Have questions about starting or running your business? VD wrote a whole (award-winning) book on this topic called The Business Bible: How to build a successful business – and a life you love. CONSIDERING A PIVOT: Grab a copy of our Career Pivot Guide over here. MAX YOUR TAX: Want more ways to maximise your tax return? Tune into this playlist. ASK THE ATO COMMUNITY: Have a specific tax question or need something niche explained by someone who’s been there before? Check out the ATO Community (https://community.ato.gov.au/s/). New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Growing up this week's money diarist remembers boiling water on the stove for baths because the gas had been disconnected, landlords turning up at the front door looking for unpaid rent, and feeling like she never quite fit in because everyone else seemed to have things her family couldn't afford. Determined to create a different life for herself, she worked hard, saved aggressively, finished university and built what she thought was her dream future with her long-term partner. Then, two months before their wedding, she received a message request from his ex-girlfriend. The kind that starts with: "I know you're about to get married, but..." What happened next changed the entire course of her life. We talk about calling off a wedding, navigating a breakup during COVID, buying a home on her own at 28, becoming a mum sooner than expected, and the money lessons that finally clicked after discovering the She's on the Money community. This conversation is about resilience, second chances, and learning that sometimes the life falling apart is actually making room for something much better. By the end of this episode, you'll be very glad she never made it down that aisle. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

In this episode of the #DoorGrowShow, property management growth experts Jason Hull and Sarah Hull discuss how AI is rapidly changing business, marketing, and communication, along with the growing problem of "AI slop" and why authentic human connection is becoming more valuable than ever. They break down the secondary effects of AI, why in-person relationships and masterminds are becoming a competitive advantage, and how property management business owners can stand out in a world flooded with automated content, fake interactions, and digital overload. You'll Learn [00:00] The Rise of AI Slop [06:20] Why Human Connection Still Matters [12:10] The COVID Parallel and Isolation [20:00] Why In-Person Transformation Works [31:30] AI, Trust, and Real Relationships [43:40] The Future of Property Management Growth Quotables "The secret to creating a scalable business is to do the unscalable actions." "Transformation happens in the room, not on Zoom." "If you can make it easily, so can anybody else." Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Jason Hull (00:00) we live in a world of the next stage I'm calling AI Slop. AI Slop, we're in the world of AI Sloppy Sloppiness. I just got a letter, no offense, NARPM, but I got a letter from y'all You wrote this using ChatGPT.   This is the problem with Narpum 2.0. We're not just talking about the future of our association, We're actively building it. it's not A, it's B, dead giveaway. And there's lots of other dead giveaways. And some of you are starting to hear this AI voice and you're starting to recognize this AI voice. And so we're now in the world of ASLOP where nobody is writing anything.   All right, hello everybody. I'm Jason Hull. This is Sarah Hull, the owners of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. At DoorGrow, we are on a mission to transform property management business owners and their businesses. We want to transform the industry, eliminate the BS, build awareness, change perception, expand the market,   and help the best property management entrepreneurs win. All right, now let's get into the show. All right, so in today's episode, we're gonna be chatting. Just change that right now, because every week I tell you, stop saying a decade and a half. So just go ahead and change it right now. Okay, for, she doesn't like that I say a decade It drives me For 17 years. For over 17 years, yeah. That's how long it's been.   for over years. I'm like decade, decade sounds like a long time, but all right, we're changing it. Cause the life wants to change. 17 years space week. There we go. right. Updated real time. Yeah. Done. That's how we get stuff done. Okay, cool. What are we talking about today, Sarah? talk about how AI is starting to change things. Okay. Let's do it. All right, so.   One of the things we've been talking a lot about is the secondary effects of AI, because everybody's talking about AI. And I think we started in phase one was the AI revolution. Everybody's starting to use chat GPT. Now people are starting to use Clod for business and people are learning prompting. now people starting, some of you are starting to vibe code. And some of you are making videos. Some of you started making images with AI and   Now we live in a world of the next stage I'm calling AI Slop. AI Slop, we're in the world of AI Sloppy Sloppiness. I just got a letter, no offense, NARPOM, but I got a letter from y'all and I can tell you wrote this. You wrote this using ChatGPT. It's like, I mean, the big giveaway phrases and some of you have heard stuff like this. It's like, and we love NARPOM. Thanks for NARPOM for sending us a letter, but.   This is the problem with Narpum 2.0. We're not just talking about the future of our association, M-Dash. We're actively building it. So with blank, it's not A, it's B, dead giveaway. And there's lots of other dead giveaways. And some of you are starting to hear this AI voice and you're starting to recognize this AI voice. And so we're now in the world of ASLOP where nobody is writing anything.   And the people that do write original content, like I've done a couple of Facebook posts just recently, totally handwritten, I wrote the whole thing. And I really enjoy writing. The challenge is, is some people don't recognize how to get their voice into AI. And so anyway, we've got this whole world of AI slop now. Anything can be created by anyone instantly. You can create images, video, text, and so...   You've probably heard me talk about fake internet theory. Have you ever heard of this idea? I have, but just for anyone who hasn't. So the fake internet theory has been around probably since the, you know, once the internet went mainstream. And the fake internet theory is this idea that the majority, at least half in the past, of all the content, all of the traffic that was on the internet, was bots.   It could be like Google crawling sites. It could be a lot of different things, but at least half of all the traffic was bots. Well now with AI, this is even worse. Perplexity is doing research. All these different AI tools are doing research. People are not crawling stuff or crawling websites a lot of times. They're just talking to AI and AI is doing all this. And so the internet now, all the content isn't even, if even this letter probably was not written.   by D.D. Garzone, the Narfim president, 2026. It was probably written by AI, which saved her time. And it's not a bad letter. The challenge is people read this, see this, and we're starting to recognize what's AI and what's not. And we're kind of developing, there's kind of this feel, this voice that you're like, oh, that's AI. And so what am I doing? I just discount stuff. I read and go, oh, AI wrote this. I probably don't even need to read the rest.   So we just skim stuff, we stop reading things. And so this is the challenge is that people want reality, people want humanity. And so the secondary effect, we're in phase two, AI slot, phase three, I believe, is going to be a return to in-person. It's gonna be human interaction. The secondary effect of AI is that human interaction is going to be significantly more important.   And this is where things are going to be shifting to in-person. Things are going to be shifting away from digital marketing. Things are going to be shifting away from anything that you can tell AI to do quickly and easily. And I've always said to our clients, the secret ingredient to scaling your business is depth. The secret to creating a scalable business is to do the unscalable actions. That's depth. And so we're going to talk about today the importance of in-person.   Yeah. So do you guys remember in COVID when everything shut down? Yeah, good And then you couldn't leave your house? Yeah, was great. Yeah, because you might die. So that was great for a little bit, right? Everyone was like, we don't have to go to the office. I don't have to go to work. This is like, would just hang out in my house in my pajamas all day and eat some chips. And like, no, I don't know. It'll be amazing.   And that was a really fun thing. What voice is this? What is this voice? I don't know. Who speaks like this? I'm just letting you know it's not me. I'm gonna be lazy. I'm gonna do my pajamas. Today I got some pajamas on. Are they southern? Now they are. You don't know. They're all over the place. I can't do it in New York. Anyway, so it was a really fun time for like   I don't know, two weeks. The first week was awesome. It was like when you have a substitute teacher and then they put on a movie and you go, this is great. We don't have to do anything today. This is amazing. This is gonna be so cool. And the first week- thought it was awesome. I think for the first, yeah, I think a lot of people really thought it was really great for the first week because they were like, oh, this is great. Like we don't have to go into the office. I a lot of workers, think employers, business owners were freaking out. Yes, exactly. Business owners were-   Although they liked, let's be honest for a second, property managers were real happy about getting a vacation. And it was a vacation that you were forced to take. Right? You couldn't go and do things you normally do. And if you decided to not do showings or decided to not go to the office or decided to, know, like, hey guys, we're all going to work from home. No one was going to fault you. It was going to be totally fine because everybody else was doing it. So it would have been totally fine if you were like, hey, we're not doing.   Showings or hey, you know, we're gonna slow down on inspections or you know, hey, we're you know, we're not gonna come into the office We're all gonna, you know stay from home and then at some point we'll go back to the office for a little bit I think people welcomed that they were like, oh, this is great. This is fun And that maybe lasted a week maybe two maybe even three weeks for some people and then after that they were like what? When can I leave? I what do you mean? Like I'm stuck in my house. I'm I can't   get out, can't go anywhere. When my kids are here, they were all stuck together and no one knows what to do and we're all bored out of our minds and they were starving for human interaction. everything, Zoom, look at the Zoom stock in 2020, skyrocketed because everything moved to remote. Everything moved to Zoom. It was like.   we can't meet in person, but we still kind of have to do things. How do we do it? We are going to do Zoom. And then even remember when a lot of like commercial real estate, it it tanked because people were like, we can't go into the office. We're not buying office space. We're not renting office space. We're going to wait and hold out and see what happens in all this crazy COVID stuff. Right. And it's because all of us were just stuck in our houses. So everything became virtual.   Everything became remote. Even the things that are normally done in person, a lot of them started to shift so that it was no longer in person or the full thing wasn't in person. There was just the one quick little piece that was in person and everything else was done virtually. did we? Okay, I didn't know if you had the podcast. And then   At that point, people were starving for human interaction because it's not the same being on a screen. Looking at a face on the screen and hearing voices on a screen or on a phone call or through Zoom or Teams or whatever it was or emailing and texting and phone calls, it's just not the same. So people then started to go a little bit stir crazy.   And what happened, like as soon as things opened up, then what happened? Things started to surge again. People were desperately trying to connect with other people in person. They were going to their friends' houses. They were trying to meet up with their friends. They were trying to go on vacation. Travel started to boom again. Why? Because people, we are meant to be with other people.   Humans are not solitary animals. We're just not. So AI is going to end up creating something that I think is quite similar. We're going to rely on AI so much just because we have to. And it's an amazing tool. It's incredible. And it makes things a lot faster. And we can do things that were not possible before. And we can do years or months of research in minutes or hours.   the advancements that it allows us to make and in such a short time span are remarkable. But the other thing that it does is it reduces the human to human communication. And now even has anyone ever picked up the phone and called a company and you don't talk to a human now? Now you talk to the AI agent. Yeah. Right. And that seems really great.   because you go, okay, it helps me and I answered my questions and that's lovely. But can you imagine now that most of your interactions are going to be with AI? Most interactions will not be with other humans. Most of a human's interactions will be with a bot or AI. Even if it sounds like a human, it will be AI. And that kind of effect is go, I think it's.   we're going to see largely what we saw in COVID all over again, where people want to see and interact with and talk to and hang out with people. Yeah. And I think that's going to be incredibly valuable. Yeah. I think as humans, when we shift into a mode of isolation where we're no longer interacting with other people,   and you're spending the majority of your day talking to Claude and chat GPT and building things and you probably feel a lot of dopamine. You're like, look at all the stuff I'm getting done. But you're just contributing to the problem of AI slop. If you can make it easily, so can anybody else. And so it's not just about creating more stuff with AI. That isn't really a competitive advantage. Everybody can do that. The competitive advantage really is being in person.   It's those that the wealthy will be able to afford to slow down. The wealthy and the smart will be able to afford to be able to go slow, not faster. They'll be able to spend more time with people. They'll be able to spend more time with their family. They'll be able to spend more time going deeper into building real relationships.   These relationships you have with your AI agents aren't real relationships and they're not going to create the connection that humans need. And they're not going to create the connection and the feelings that your clients need. Clients don't just need their stuff done. That's not it. They need human connection. They need trust and they need to feel safe. So alienation is going to lead to isolation.   And isolation will lead to stagnation in your business because you're not around people that are actually making moves and figuring out how to connect and make a big difference. And the thing that we've noticed, because we've been in a lot of different programs, I mean, we've been in lots of different mass, high ticket masterminds, coaching programs. spend a lot of money every year.   That's a bright thing. Yeah, we've been in all the best programs out there. We probably have been in them or connected to them or whatever. And so we've been in a lot of different programs. We invest a lot. And the thing I've noticed is we've been in a lot of these programs, but the real benefit of the programs, most significant benefit is the caliber of the people physically in the room.   It's the people that we get to meet. It's not the guru at the helm. It's not their cool content or ideas. Everybody joins for the content, but it's really, it's the people, it's the connections. It's the community that's curated. And that's one of the things that we're really shifting our awareness and focus around. I've realized that transformation always happens in the room. It doesn't happen over Zoom. Wow, that rhymes. You can all quote me on that. That's a Jason Hall written all over.   Transformation happens in the room, not on Zoom. And Zoom calls the other thing related to fake internet theory. You can ask AI about this, people. AI people, go check me on this. There's a psychological effect that watching being on Zoom calls on video and watching video training material inside of even our DoorGro Academy does not, your brain does not perceive this as real life. It perceives it as   This digital universe, it's fake. And so we've noticed our clients aren't able to just watch a video and implement or absorb it mentally the same way. And once they get in person with us and they recognize we're real people and we give them a high five or a hug or whatever, and they come to our onboarding, because we onboard every Mastermind client in person now. We also have quarterly events that we're launching.   for about two years. We've been doing that for a long time. saw the writing on Huge game changer. And we decided, hey, let's go, we can go much deeper in person. Totally. Than we can ever get to on Zoom or on a phone call. So we decided that should be one of the first things that we do with people is really get them in momentum quickly. And what's the fastest way that we can do that? We can get them in person. Yeah, cause on Zoom, it's very easy for you to look like you're cool.   It's very easy for you to look like everything's put together. Slashy lights, like YouTubers, and you can get some books and stuff in the background. You're making fun of me now? Have a pretty background. I see what's going on. You can have a boring office without cool lights. We can both play this game. Okay. So what I'm saying is...   When you're on a Zoom call with a group of your peers and business owners and people maybe you look up to, it's very easy to not give people your real situation and not reveal what's really going on. That's hard to avoid doing in person, especially if you're called out or your mentor's calling you out. That's difficult. And so you need to be in the room because you have to get real feedback. You have to share your real challenges. You need to recognize they're real people. Your brain and unconscious mind and your subconscious need   to recognize these ideas that you maybe saw in video or see on Zoom or the people you see on Zoom are real. And there's something that clicks and shifts when we get our clients in person. All of their results shift. They make more money. They have breakthroughs. And your breakthroughs are on the other side of embarrassment. One of my mentors would share. And one of our mentors would share. And that's, you have to be willing to get real.   And real and raw happens in person. It's just not going to be the same on a Zoom call or on video or even digital marketing. We're looking at how we can do less of that ourselves and do more stuff that actually creates real connection and relationship with people. Because I think anybody can do anything digitally now Let me go take some property managers out to lunch.   That's what we need to do. We need to meet people face to face and in person. do door to door. Yeah. I know. I think there's going to be a secondary effect that we're going to see a lot of things shifting back to humans. We've spent so much time over the last decade sitting in front of computer, like so many people. And I think if AI does anything well for us, it will be that it gets us out from behind the computer and actually hanging out with   human beings again. And that should be the goal. And the people that are smart are going to be focused on that. And that's why our DoorGrow Mastermind, we've shifted the priority and the focus to being an in-person mastermind. And we've seen people have great success with this, our mentors like Aaron Stokes and others have great success with this. And that's what we're wanting to replicate and emulate.   And we want people to have real relationships. We want people to have a family, a cohort of property management business owners that feel connected and are doing cool stuff. And that way you can cut through all the AI slot because everything AI puts out sounds like it's great and amazing. Every landing page looks like, yeah, this sounds like it could be awesome. And so it's hard to know if anything is real at all.   and a lot of stuff on the internet is not even real anymore. A lot of the products you see aren't even like actually real or decent products. They've just got great AI marketing and you can go buy the product for like a third of the cost on Ali Express or Alibaba or whatever. Or you can go on Amazon. Some of these products I'm seeing on Instagram, you can go buy for like $50 cheaper on these small products on Amazon. And so it like, yeah. And AI can create courses too.   Anyone can get on any AI thing and go, hey, I have this idea and have this thought and I want to create a course and then sell this course online. Build me the whole course, build me the material, me the script. everything. You can even have AI. If you don't want to do the video for the course, you don't have to. I can just do it. You can summarize it. You can do that in minutes now.   What value is there in that? The challenge is, is that there's no way to know what really works. Right. Because AI is just making stuff up based on what it has in its knowledge base. We have a lot of awesome stuff that's behind our payroll. hitting the table because every time you do, it's a whole time shakes. Yes, dear. Okay. This is going to be, if someone's watching this podcast live, I'm so sorry if you're like ceasing. It's like bouncing a little bit.   It shakes. That's me. I'm moving around so much. Many earthquakes. Seizures. Got it. No taking. Okay. Well that's how you know it's not AI, right? You're shaking the table. AI's not going to say that to me. No, AI would Claude, how do I respond to my wife? All right. Awesome. All right. yeah, so this is the idea is   We want to shift towards reality and in person because if I'm talking with a property management business owner and they say, this is what I've done and it's actually working, whereas AI will just hallucinate, it'll make stuff up, it will lie and just make everything sound amazing because somebody could say, just make this sound like it's amazing and it works and it's awesome. And it might not be. And so how do you know it's real anymore? You're going to need to be around real humans that can say, I did this.   I tried this thing. I used this AI prompt and here is the result. It wasn't great. Or this worked. And more importantly, that's a bad idea because AI doesn't want to tell you if it's a bad idea. AI is so affirming. It goes, that's such a great idea. Yeah, you should definitely do that. Wait, whoa, whoa, whoa. Are you sure? Is that going to work? Yeah, you're on the right track. Yeah, you've got this dialed in so well. And then   You could also do this and no, no, no. You're not coming up with a new idea. You're a game changer. You're not just cool. You're awesome. right. So yeah, know AI is really bad at telling people bad news. Well, I know there's people listening and they're like, well, I use this and I have this problem. I get it. Like, but yeah, chat GPT. It's But you have to you feel amazing. You have to give a prompt.   in order to make it be more honest with you, in order to make it not just affirm everything that you say. So when we think about what is the programming of it, therefore then what is the validity of it? So we have to kind of reprogram it just in order to get better output from it and better data from it. That doesn't mean it's the best data. What is great data is here's a real person. They've been there, done that.   I'm going to trust that over what AI tells me any day of the week. Yeah. And people trust AI. Like, I use AI to do research on things because I'm like, this product claim real? Is this landing page on the level? And sometimes it's like, yes. And sometimes it's like, no, this is overinflated. This study they're citing is like, misreference, whatever. There's so much BS. So now we have to use AI to combat AI to figure out what's real. But this is going to be one of the secondary effects is we need to be   connecting with human beings and we need to be in the room with real people and in person. And that's what AI should enable us to do it. It should enable more humanity. It should enable more connection, not disconnect us. okay, anything else that we want to say about this? So if you're looking for something that is a real human, and if you're looking for human connection, then we've got...   Events coming up in October. I know that by the time this will be released, you'll miss the May event. But we do have live in-person events coming up in October that you would be able to attend. They will be in the North Austin, Texas area. And one of them will be our fall intensive. This will be for our clients. If you're not yet our client, then you still have some time to figure out, you know, hey, let's just jump in and try it out.   The other one is our DorgR Live event. And we've decided in this whole AI spirit, let's get people moving through things quickly. And instead of just sitting at another conference, because there's so many of those in property management, where you just sit at a conference and you go home with 38 pages of notes and all of these ideas that you would love to do, and maybe you're going to do one of two of them, and that's about it. And then in reality,   there's all of this other good stuff and you never really got to it. But had you implemented it, it might have changed the business. So we've decided to instead shift. So it's not a conference where you're going to be sitting there in the room, taking notes and learning, which is very valuable. That's still a valuable thing. We're just making it more valuable. So we're going to have some workshops built right into it so that you can go there.   do the work, take action, and you can move your business forward. And the way that we're structuring things is it will allow you to get 30 or more days of work done in the two days at the event. And it's in person with real humans. Yeah. So I'll read a little quote from our offer document for our growth accelerator mastermind. And it says, the room where property managers stop playing small.   Most property managers are stuck trying to grow from behind a screen. Watching webinars, sitting on Zoom calls, collecting PDS they'll never read and wondering why nothing changes. And nothing changes because your environment hasn't changed. You've got to get into a different environment. Environment changes the identity. Even fish will grow to the size of the container that they're in. You need a different container if you want to grow energetically, spiritually, mentally.   I don't know, maybe physically. All right, so the DoorGrowth Growth Accelerator Mastermind, our super system level of the mastermind, which is supposed to focus more on operations for higher level operators or business owners. This is not just a course. It's not an online program. I'll be AI. It's not A, it's B. It's like, this is what actually really works. This gets you real results. And so, yeah, so come.   is come be in a seat with us in Austin. Come hang out with us. Come hang out with us. We curate and attract like the most amazing entrepreneurs. We have a new team member named Kyle who's over Client Success. And Kyle, we were just chatting the other day, him and I, and he was like, I was talking about, have really awesome clients. He's like, I know, it's so amazing the type of people you attract. Like we attract, I believe, the best people in the industry. The best humans in property management are in DoorGrowth's mastermind.   and are working with DoorGrow. And a lot of the coaches, a lot of the people out there, they're past clients of mine. Like, DoorGrow's had a significant impact. And I'm obviously a bit biased, but I believe we have the best stuff in the industry to bring to the table. And we have the most comprehensive program. We help with growth. We help with ops. Nobody else has rebranded over 300 companies. Nobody else has built, well, maybe someone's built as many websites as us, but we built hundreds, probably six, seven, 100, 800 websites.   helped people clean up their pricing. We've rolled out innovative three-tier hybrid pricing models. We're helping clients dramatically increase their profit margins. If you feel like you've heard it all and you've worked with all the other coaches, you may want to take look at DoorGrow because we have the most comprehensive. There's lots of coaches that do one little thing here or there. And there's some really great ones out there. But as far as having the most comprehensive program and I think the most innovative ideas and strategies, that's the only way you can curate and   have that is through some sort of mastermind environment and that's what we've created at DoorGrow. Okay so there's tapping me on the leg saying stop selling like let's wrap this up. Is that accurate? I interpreting things correctly? Okay. You got it. All right. And there's salespeople are gonna sell I just say I want you to win and I don't hate money so and I want you to not hate money and I want to help you make more money. All right cool. Anything else? No. All right cool.   And we will do the outro and here's what this sounds like and this will be relevant. All right. So if you felt stuck or stagnant and want to take your property management business to the next level, reach out to us at doorgrow.com for free training on how to get unlimited free leads. Text the word leads to 512-648-4608. Also, you can join our free Facebook community just for property management business owners by going to doorgrowclub.com. We have launched our own   private community outside of Facebook. And so we'll be telling you more about that. The DoorGrowth Club will be somewhat shifting into this new awesome space. And if you want tips, tricks, and ideas to learn about our offers, subscribe to our newsletter by going to doorgrowth.com slash subscribe. And you can get our newsletter. And if you found this even a little bit helpful, don't forget to subscribe, leave us a review. We'd really appreciate it on whatever platform you saw this on. And until next time, remember the slowest path to growth.   is to do it alone. So let's grow together in the room together. Bye everyone.

Say it with me: equal isn’t always equitable. On Friday Drinks, Jess and Bec cover a very juicy DM concerning inheritances, where one sister has received a lifetime of financial support, while the other is fighting for what she believes is her fair share of the will. Is it considered equal for the more independent child to get a larger share in the end or is there more to it than that? This episode is also packed with insights for the side hustlers and how they might allocate their earnings. Do you split it into particular percentages (e.g. bills, investments, play) or is it all simply ‘fun money’? Tune in for Broke Tips, Money Wins, how you might split your pizza and the beginnings of Bec’s merch line(!?). KICKING OFF A SIDE HUSTLE? Check out our playlists to help you get started. RESET YOUR MONEY MINDSET: But first, figure out where you’re at by taking this quiz. REBUILD YOUR SAFETY NET: Depleted your emergency fund? Here’s how to build it back up. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

This episode of the Mo Money Podcast is a Money Diary session with a Pivot Wealth client, Tristan, where he shares his journey over the last four years in getting towards buying his first home, which he thought was way out of reach, and the stepping stones that he's used to actually make that happen.  He talks about the shift from being almost embarrassed about his finances to a position where he is automated everything, getting great results, and doesn't even have to think about it too much. So, this episode is perfect for anyone that wants to understand the different pathways that you can take to get you from where you are to exactly where you want to be with your money.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

You’ve started your investing journey (yay!), but you’re oblivious about how your portfolio is going to be taxed during this financial year (boo!). If this year’s budget convos about Capital Gains Tax (CGT) have you sweating, strap in for a deliciously informative Deep Dive. In this episode, Victoria and Jess discuss how shares and ETFs are taxed, explaining the difference between dividends, distributions and franking credits, plus how to offset your earnings or your income when completing your tax return. Learn how to make the most of your investing platforms, why it pays to play the long game, and when to hand things over to a professional (read: your accountant). Soon you too will have a clear understanding of how each asset class is taxed, and why sticking it out is smarter than you think. This episode is brought to you by our friends at Sharesies. Visit Sharesies.com.au to learn how to kick off (or supercharge) your investing journey. INVESTING CHEAT SHEET: You heard me. Download our Investing Cheat Sheet and kick off the new FY, flying. START INVESTING: Not yet begun your investment journey? Check out this episode on how to start. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

In this episode of TechKnow, Bryan Ashenden unpacks the 2026–27 Federal Budget and explains why, despite limited direct changes, it may still be considered a ‘super Budget' for superannuation. Bryan explores how new tax measures – particularly changes to capital gains tax (CGT) and the introduction of Division 296 – compare favourably to investment structures outside super, reinforcing super's ongoing tax effectiveness. The episode also examines the newly introduced legislation, highlighting the complexity of upcoming CGT reforms and what they mean for advisers navigating client strategies. TechKnow Podcast disclaimer: Disclaimer: Information current as at 11 June 2026. This TechKnow podcast has been prepared by BT Portfolio Services Limited ABN 73 095 055 208 AFSL 233715 (BTPS), the operator of Panorama Investments; and BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) the trustee of Panorama Super, which is part of Asgard Independence Plan Division Two ABN 90 194 410 365. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Cash Management Account and the BT Cash Management Account Saver. Together, these products are referred to as the Panorama products. BTPS, BTFM and WFSL are subsidiaries of Westpac.  A Product Disclosure Statement or other disclosure document (PDS) and target market determination (TMD) for the Panorama products can be obtained by contacting BT on 1300 784 207 or by visiting bt.com.au. A person should obtain and consider the PDS and TMD before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. This TechKnow podcast has been prepared for use by advisers only.  It must not be made available to any client and any information in it must not be communicated to any client.   This TechKnow podcast provides an overview only and should not be considered a comprehensive statement on any matter or relied upon as such. This information does not take into account your clients' personal objectives, financial situation or needs and so you should consider its appropriateness, having regard to these factors before acting on it.  BTPS cannot give tax advice. Any tax considerations outlined in this document are general statements, based on an interpretation of current tax laws, and do not constitute tax advice. As such, you should not place reliance on any such taxation considerations as a basis for making your decision with respect to the product. As the tax implications of investing in this product can impact individual situations differently, you should seek specific tax advice from a registered tax agent or registered tax (financial) adviser about any liabilities, obligations or claim entitlements that arise, or could arise, under a taxation law. If you need more information to complete your tax return, please consult your accountant or tax adviser to obtain professional tax advice. Please keep your BT Tax Statement and this Guide for income tax purposes. The information in this commentary regarding legislative changes is intended as a guide only. It is not exhaustive and does not constitute legal advice. It is based on our interpretation of the law currently in force on the date of this document. BTPS does not undertake to provide any updates to the extent that any of the laws or regulations referred to change in the future. Consequently, it should not be relied upon as a complete statement of the relevant laws, the application of which may vary, depending on your clients' particular circumstances.

She's 25, owns her home, has paid off her HECS debt, has more than $50,000 in super, is building an investment portfolio and somehow still rated herself a B- when I asked how she felt about her money habits. Growing up in regional Victoria, she got her first job at 14 and never really slowed down. While most of us were spending our weekends hanging out with friends, she was working supermarket shifts, saving for her future and helping her parents renovate investment properties. That work ethic followed her everywhere. Through nursing placements, night shifts, university, a mortgage in her early 20s and a long-distance relationship that somehow survived Melbourne lockdowns. Now she's built a life that's incredibly solid, but what I loved most about this conversation wasn't the numbers. It was her mindset. The way she talks about money feels refreshingly simple. Work hard. Save consistently. Make your money work for you. Repeat. We chat about buying a home at 21, paying off her HECS debt, starting her investing journey, the money lessons she learnt from her parents and grandparents, and why she's already thinking about the financial life she wants to build long before she starts a family. Honestly, this episode is proof that wealth isn't always built through big dramatic decisions. Sometimes it's built one supermarket shift, one mortgage repayment and one very stubborn financial goal at a time. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Be honest. Has money ever got in the way of a friendship? Sure. It’s nice when everyone you know has the same money values as you, but it’s far more likely that your earnings, spending habits, and beliefs are just as different as your birth charts! This week on Friday Drinks, Bec and Jess answer your pressing questions around pausing investments to pay for a wedding, fast food preferences and what happens when your friends are in their spend-now-worry-later era. While V’s away, we’re bringing you some cheeky Broke Tips plus your marvellous Money Wins of the week. Budgeting boundaries, financially outgrowing your friends, and what actually makes a fry a fry (when it’s really a chip), join us as we cover all the important topics. CURB YOUR SPENDING: Dopamine spending is real. If you’re looking for tips to help you cut back, look no further. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289.See omnystudio.com/listener for privacy information.

This episode of the Mo Money Podcast is a money diary session with one of our clients, Toni. Toni talks about what it was like to set up her financial plan for the first time, coming from a generation where it was drilled into her that saving money in cash and only buying property was the only way that you could actually get ahead.  She talks about what she did to cut tax on her income, as well as the big shifts that she made to feel more confident in her finances and her path forward. This episode is perfect for anyone that wants to understand the different pathways that can get them more money out of what they already have.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

It’s mid-year money reset-time! The end of financial year brings all of that new money energy, without the post fireworks slump. Not only is it a time where people are already looking at their finances (or looking out for a tax return), it’s a brand new chapter for folks who want to rewrite their money story. Frankly, with all of the cost of living pressures adding up, it feels right to pause and hit reset. Join Bec and Jess for a Deep Dive into EOFY energy; our highlights and lowlights from the year that’s been, as well as resolutions for FY27. Budgeting, saving, shrinking that debt or finally investing, we’ll share some new financial year goals from our community, as well as tips to help you get organised before the spenny end of the year. January 1 has nothing on July 1. OUR 30-DAY MONEY RESET: Did you sign up for our FREE mid-year challenge? It’s designed to help you get closer to your money goals by the time the countdown actually strikes. Join here. SUPERCHARGE YOUR SAVINGS: Stop procrastinating, start automating. Download our Shuffle Saver Challenge here. DISAPPEARING DEBT: Pay it down with our episodes devoted to diminishing debt. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Summary: Thinking of helping your kids buy their first home? Discover the potential risks to your retirement & explore smart strategies like the First home super saver schemeWant to help your kids buy their first home? Learn how it could pose a risk to your retirement plans and the smarter ways to help.This week on the Friends With Money podcast, Michelle Baltazar speaks with Aware Super's Kate Rolfe about new research showing most parents and grandparents are willing to help younger family members buy a first home, often by gifting cash, reducing their mortgages or offering low to no-interest loans, but how their good intentions could potentially put their retirement savings at risk.They discuss how giving financial support without proper planning can affect tax outcomes and Centrelink age pension eligibility, including potential consequences such as losing access to their benefits for years.Rolfe recommends getting professional financial advice before money changes hands, considering whether to gift the funds or to structure it as a loan, and weighing lump sum versus drawdown payments.01:09 How families can help02:45 Retirement and pension risks05:26 Tax advice and structuring gifts06:43 First home super saver explained08:32 Lump sum vs drawdown11:09 Where to startLinks: First home super savers schemePodcast Links:Listen on Apple PodcastsListen on SpotifyMoney WebsiteYouTube Podcast PlaylistEmail Us: podcast@moneymag.com.auGet stories like this in our newsletter: bit.ly/3GDirbRDisclaimer“To find out more from Aware Super, go to aware.com.au/member/what-we-offerGeneral advice only. Consider your objectives, financial situation or needs, which have not been accounted for in this information, and read the relevant PDS and TMD before deciding to acquire, or continue to hold, any financial product. Consider if Aware Super is right for you and access the PDS and TMD on their website, aware.com.au/firsthomebuyer Advice provided by Aware Financial Services Australia Limited (ABN 86 003 742 756, AFSL 238430), wholly owned by Aware Super. Aware Super's research involved a national online survey of 1,094 Australians aged 45 and over who indicated they were open to financially supporting younger family members. Fieldwork was completed in December 2025. All research was carried out in accordance with ISO 20252:2019 and ISO 27001:2013 quality and data-security standards.”

This week's Money Diary feels a little bit like proof that where you start doesn't have to determine where you end up. She grew up in a tiny village in Eastern Europe in the aftermath of communism, where family holidays weren't a thing, money was scarce, and the future often looked a lot like the past. But even as a kid, she couldn't stop wondering what was on the other side of the horizon. At 16, she won a scholarship that changed everything. A few years later, she arrived in Australia with just $20 to her name, planning to stay for 12 months before heading back to university in the UK. Instead, she met the man who would become her husband after he quite literally washed up next to her on a beach. Eighteen years later, they're raising two children on the Gold Coast, have turned a modest beach shack into a property worth around $1.7 million, and she's built a dog-sitting side hustle that's on track to bring in $40,000 this year alongside her part-time career. But what I loved most about this conversation wasn't the property story or even the side hustle. It was the way she thinks about money. From collecting bottles to teach her kids about saving, to creating flexibility around family life, to constantly finding creative ways to make money work harder, she's built a life that looks completely different to the one she grew up expecting. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

In this special episode, we're sharing Jess's conversation with Laura Henshaw on KICPod.Laura and Jess chat about the beliefs that shape our relationship with money, how to align your spending with your values, setting short-term and long-term financial goals, building wealth for the future and why financial freedom looks different for everyone.Whether you're just getting started or looking to level up your money habits, this conversation is packed with practical insights to help you feel more confident and intentional with your finances.Check out KICPod here: @kicpod on InstagramListen to the episode here: https://podcasts.apple.com/au/podcast/kicpod/id1457667995Buy Jess's new book 'Get Growing: A No-Nonsense Guide to Cultivating Wealth and Financial Freedom' in the link below: click here.To organise a Clarity Call chat with Jess, or to check out either The Evergreen Money Growing Club, or The Greenhouse Money Growing Program, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. Jessica Brady is a money educator, former financial adviser and an authorised representative (No. 1259972) of MoneySherpa Pty Ltd – AFSL 451289 | ABN 32 164 927 708 | Corporate Authorised Representative No. 1305567. Hosted on Acast. See acast.com/privacy for more information.

Jose Mayoras is the senior portfolio manager of the Divita Value Growth Fund and author of Wall Street's Blind Spots. Jose explains why a great company is not always a great investment, why cash flows matter more than reported profits, and how expectations are already baked into today's share price.Episode Blog Post: https://www.sharesforbeginners.com/blog/jose-mayora

Jose Mayoras is the senior portfolio manager of the Divita Value Growth Fund and author of Wall Street's Blind Spots. Jose explains why a great company is not always a great investment, why cash flows matter more than reported profits, and how expectations are already baked into today's share price.Episode Blog Post: https://www.sharesforbeginners.com/blog/jose-mayora

Your bestie just asked you to be their bridesmaid, which has you wondering: will you (or your friendship) ever financially recover from this? Happy Friday Drinks to all who celebrate. In this week’s episode, Victoria and Jess cover the costs of being a bridesmaid in a distressed (but very relatable) DM. With nuptials on the menu, they also respond to a Money Dilemma which asks which money chats should we be having before getting engaged? Before linking your life (and your finances) with your lover, what money stories, habits and convos need to be tabled and how do you have these chats when love and money are often at odds with each other? As always, the gang will be bringing you Money Wins of the week, plus Broke Tips for making your budget that much happier come payday.

This episode of the Mo Money Podcast is a recording of a live event we did on how to cut your tax bill. In the session, we get into the top tax strategies that you can use to reduce your annual ATO donation, as well as some of the mistakes that people make when it comes to trying to save tax so that you can avoid them. This episode is perfect for anyone that doesn't want to pay any more tax than they have to.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Most of us know we should be paying more attention to our super. But knowing and doing are very different things. In this episode, we're joined by Anne McLennan from Vanguard to break down the seven personas that explain why so many Australians stay stuck when it comes to their super, and what to actually do about it. Some of us are panickers, some of us are procrastinators, and some of us are a whole lot of other things in-between.We cover:

Today, Hunter was joined by Angela Chang and Sean Vicente of the Hamilton County, Ohio Public Defender Office. They joined the show to explain how they, along with their community, are fighting to hold police and prosecutors accountable for their unethical and illegal actions.   Guest: Angela Chang, Youth Defense Director, Hamilton County Public Defender, Ohio Sean Vicente, Municipal Director, Hamilton County Public Defender, Ohio     Resource: Contact the PDs https://www.hamiltoncountypd.org/ https://www.instagram.com/hamcopubdef/ https://www.facebook.com/hamcopubdef/   Issues around policing/accountability and intersection with discovery/defense Overview of Cincinnati Collaborative Agreement  https://www.cincinnati-oh.gov/police/collaborative-agreement-refresh/ https://www.cincinnati-oh.gov/police/collaborative-agreement-refresh/documents-and-media-resources/ Discussion of Ohio Public Records law change/ attempts to circumvent discovery exchange by the prosecutor/police https://codes.ohio.gov/ohio-revised-code/section-149.43 The bill with the redlined amendments https://www.legislature.ohio.gov/legislation/135/hb265  https://www.wosu.org/politics-government/2025-11-25/ohio-supreme-court-rules-police-officer-identities-can-be-hidden-from-public-under-marsys-law https://www.cleveland.com/news/2025/06/ohio-lawmakers-step-back-from-sweeping-police-secrecy-measure.html       Contact Hunter Parnell:      Publicdefenseless@gmail.com  Instagram @PublicDefenselessPodcast Twitter                                                                 @PDefenselessPod www.publicdefenseless.com  Subscribe to the Patreon www.patreon.com/PublicDefenselessPodcast  Donate on PayPal https://www.paypal.com/donate/?hosted_button_id=5KW7WMJWEXTAJ Donate on Stripe https://donate.stripe.com/7sI01tb2v3dwaM8cMN Trying to find a specific part of an episode? Use this link to search transcripts of every episode of the show! https://app.reduct.video/o/eca54fbf9f/p/d543070e6a/share/c34e85194394723d4131/home **** ALL OPINONS SHARED BY HOST HUNTER PARNELL DO NOT REFLECT THE THOUGHTS OR OPINIONS OF THE AURORA MUNICIPAL PUBLIC DEFENDER****  

Skincare, makeup, and beauty treatments. When did they first pop up on our spending radar and why? This week’s Deep Dive gets a little… deep. Bec and Jess discuss the cost of beauty standards: who sets them, sustains them, and how we might look at the whole topic with a raised (and sometimes fluffed) eyebrow. Because, whether you overtly subscribe to them or not, beauty standards don’t just affect folks who love a trend, they have the tendency to impact our spending habits and perceptions of value, and even our self worth. And it’s not just women either, just consider the whole looksmaxxing thing. Between the double standards, unrealistic expectations, and self-expression of it all, how have our perceptions around beauty shifted and what are we really buying into? From body hair to full-coverage foundation and the rituals of getting ready, tune in if you’ve ever wondered what we really think about the price of pretty, how we’re feeling about ‘preventative’ measures, and which standards we’re willing to bin at our next earliest convenience. Should we share what our community actually spends on beauty products? Let us know in the comments. NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. FREEBIE: Get our free savings challenge resource here. THOUGHTS? DISCUSS. Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA our zero-judgement support network for money tips. Ask questions, share rec’s, and celebrate your wins with a like-minded community of 300,000+. And follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

This week's Money Diary is proof that earning more money doesn't automatically make you feel secure. Growing up, she was constantly worried about money. Not because her family was struggling, but because she'd picked up on snippets of conversations and quietly convinced herself there was never enough. So she did what a lot of us do. She worked hard. Really hard. She got her first job at 14, worked multiple jobs through uni, saved obsessively and thought financial security would come from earning more. But after graduating and looking closely at her spending for the first time, she realised something surprising: the problem wasn't how much she earned. It was how little attention she was paying to where it was going. Fast forward to today and she's investing in ETFs, saving around $2,000 a week, planning to buy her first property, and building wealth with far more confidence than she ever thought possible. This conversation is about scarcity mindset, the stories we inherit about money, and what happens when you finally stop being scared of it. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Discover how to spot undervalued stocks like Magna International (MGA) using the proven QAV (Quality at Value) methodology from Tony Kynaston – a systematic, checklist-driven approach inspired by Warren Buffett and Charlie Munger to beat the market.Magna International is one of the biggest automotive suppliers in the world. Most drivers never notice it. Magna sits behind the scenes, building the parts, systems, and even entire vehicles for major brands. Cameron from QAV America joined me to explain how this quiet giant works and why it's back on the QAV buy list.

Ce vendredi, Abdoulaye Wade fête ses 100 ans. Avec son épouse Viviane, l'ancien président du Sénégal est retiré à Versailles, près de Paris, mais il est toujours alerte selon Jeune Afrique, qui lui a rendu visite il y a quelques jours. Quel souvenir laisse-t-il aux Sénégalais ? Sera-t-il appelé au téléphone, aujourd'hui, par le président Bassirou Diomaye Faye et par l'ex-Premier ministre Ousmane Sonko ? Témoignage d'Amadou Sall, son ancien garde des Sceaux et son ancien porte-parole, qui milite aujourd'hui dans l'opposition avec le PLD, le Parti des Libéraux et Démocrates, en ligne de Dakar. RFI : Quel héritage Abdoulaye Wade va-t-il laisser au peuple sénégalais ? Amadou Sall : Abdoulaye Wade va laisser un immense héritage au peuple sénégalais. Premièrement, sa forte conviction en la démocratie, dans le combat démocratique. Pendant 27 ans, il était opposant. Il s'est présenté à des élections présidentielles cinq fois, sans jamais se décourager. Tout a été fait dans le calme, dans la tranquillité, dans la démocratie, en excluant toute violence. Il l'avait dit dès le départ : « Je n'engendrerai pas des cadavres pour arriver au pouvoir. » Le premier héritage de Wade, c'est la conquête démocratique et pacifique du pouvoir. Mais aussi son exercice démocratique. C'est un héritage énorme, dans un contexte qui n'était pas facile. Quelles sont les deux principales qualités d'Abdoulaye Wade ? La première découle de ce que je viens de dire : la résilience, la persévérance, l'endurance, la croyance en la démocratie. La deuxième qualité d'Abdoulaye Wade, c'est que rien n'était trop beau ou trop bien pour le pays. À chaque fois qu'il a voyagé, qu'il avait un projet, quelque chose d'intéressant, il disait : « Le Sénégal mérite d'avoir cela. » Il a travaillé à doter notre pays d'infrastructures incroyables de dernière génération, en tout cas de première qualité. C'est un infatigable travailleur. Il a consacré sa présidence au travail. Il n'avait pas de repos. Il ne dormait pas. Il travaillait nuit et jour, à n'importe quelle heure. Il pouvait appeler n'importe lequel de ses collaborateurs pour lui soumettre une idée et travailler avec lui. C'est un infatigable travailleur. C'est une qualité énorme. Et quels sont ses deux principaux défauts ? Des défauts, il en a comme tout le monde. À un moment, on peut dire : « Mais ça, c'est l'âge. » Abdoulaye Wade a pris le pouvoir après qu'il était d'un certain âge et autour de lui, il avait pour l'essentiel des gens qui avaient l'âge de ses enfants. Il était autoritaire. Parfois, il pouvait être très autoritaire. Cela le poussait à avoir des colères jupitériennes. Le deuxième défaut, c'est peut-être que, quand il avait une idée, il n'en démordait pas. Pour parler vulgairement, on peut dire qu'il était un peu entêté. S'il n'était pas entêté, il n'aurait pas brigué un dernier mandat. Abdoulaye Wade, c'est d'abord l'homme qui a imposé la première alternance démocratique dans l'histoire du Sénégal et de l'Afrique francophone. Ce grand basculement politique de l'année 2000 serait-il arrivé de toute façon, quel que soit le leader de l'opposition ? Ou est-ce sa personnalité qui a forcé le destin ? Il y a le combat qui a été mené d'une manière générale par toute l'opposition sénégalaise. À cette époque, le Sénégal avait une opposition très active. Mais Abdoulaye Wade a joué un rôle important parce que l'opposition de l'époque, d'une manière générale, était très à gauche. Les méthodes étaient des méthodes plus radicales. Il est arrivé avec des méthodes plus feutrées, des méthodes plus démocratiques. Il était, comme disent les Anglais, un peu plus « smooth », peut-être. Sans Abdoulaye Wade, on y serait arrivé, mais peut-être pas en 2000, plus tard. Sa personnalité aussi a beaucoup compté. Pourquoi cette obsession à vouloir organiser une succession dynastique en faveur de son fils Karim ? Pourquoi un tel entêtement, pour reprendre votre mot, au risque de perdre l'élection suivante, ce qui est arrivé en 2012 ? Abdoulaye Wade a pu penser un moment que c'était un bon choix. Au résultat, l'histoire ne semble pas lui avoir donné raison. En mars 2000, quand Abdou Diouf a perdu, il a appelé Abdoulaye Wade pour le féliciter. En mars 2012, quand Abdoulaye Wade a perdu à son tour, il a appelé Macky Sall pour le féliciter aussi. Pourquoi ces gestes de grande courtoisie républicaine n'arrivent-ils qu'au Sénégal et presque nulle part ailleurs ? Nous avons une spécificité sénégalaise. Pendant longtemps, Dakar a été le centre de l'Afrique occidentale française. Toute l'administration coloniale était basée à Dakar. Il y avait énormément de facteurs qui ont fait que la démocratie s'est rapidement acclimatée dans ce pays. Les joutes oratoires, les joutes politiques ont toujours existé, j'allais dire, dans la bonne humeur, en tout cas à l'intérieur des familles. Les familles étaient éclatées politiquement, mais restaient unies. C'est une spécificité sénégalaise, notre ancrage à la démocratie, à la liberté. Aujourd'hui, quand on regarde l'évolution de certains pays africains, on se rend compte aussi que cela ne se passe pas seulement au Sénégal. Regardez ce qui s'est passé au Bénin, au Ghana. C'est cela aussi la règle en démocratie. Avec le Pastef et la dispute actuelle entre Bassirou Diomaye Faye et Ousmane Sonko, pensez-vous que cette tradition républicaine va durer ou au contraire va disparaître ? Tant que cela reste une crise politique, cela se règle politiquement. Au Sénégal, la première fois qu'il y a eu une crise au sommet de l'État, une crise institutionnelle, les parachutistes étaient en face des gendarmes. J'espère que l'on n'arrivera pas à cette crise des institutions. Il y a une crise politique. Que cette concurrence se fasse dans les règles du jeu et qu'elle n'aboutisse pas à une crise des institutions. Pour vous, la crise actuelle est moins grave que celle de 1962 entre Léopold Sédar Senghor et Mamadou Dia ? Ce n'est pas la même forme, ni le même fond. En 1962, c'était une crise des institutions. Aujourd'hui, il y a un combat politique dans lequel on ne sait pas bien qui prend l'ascendant. Probablement, les conseillers du président l'ont mal conseillé, pensant que c'était la mort d'Ousmane Sonko. Ousmane Sonko, c'est comme l'hydre à plusieurs têtes. On lui a coupé une tête au gouvernement, une autre tête a poussé à l'Assemblée nationale. Il est là, il est bien vivant, il survit à cette crise. Ils sont l'un en face de l'autre. On est dans une autre crise politique, avec ceci de particulier qu'ils n'ont pas la même expérience. Ils sont beaucoup plus jeunes, beaucoup plus fougueux. Les égos sont très développés. Espérons que cela n'arrêtera pas la crise politique et que cela ne va pas dégénérer. À la fin, qui gagnera ? Je donne ma langue au chat. On attend de voir à la fin qui va gagner. Vous avez l'air de dire que c'est Ousmane Sonko ? Pour le moment, il n'est pas mort. C'est tout ce que je peux dire. Le PDS d'Abdoulaye Wade ne compte plus que quelques députés à l'Assemblée. Est-ce à dire que ce parti risque de ne pas survivre à son fondateur ? Vous savez, c'est difficile pour le PDS. Beaucoup de partis sont sortis des flancs du PDS. Le libéralisme – disons l'idéologie politique fondée sur l'économie de marché telle qu'elle a été défendue par Abdoulaye Wade – est une idéologie bien présente au Sénégal, représentée par plusieurs partis. Ensemble, ils sont significatifs. Macky Sall fait partie de ceux qui sont sortis des flancs du PDS. De sorte que c'est vrai, il est possible, peut-être pas de voir le PDS survivre tel qu'il existait avant, mais peut-être que quelque chose est possible au niveau de ses frères libéraux dans le cadre d'une grande coalition. Peut-on dire que le PLD, le Parti des libéraux et des démocrates dont vous êtes le vice-président, est l'un des héritiers du PDS d'Abdoulaye Wade ? Oui, nous sommes l'un des héritiers de PDS d'Abdoulaye Wade, comme Macky Sall l'est, comme d'autres partis le sont : Samuel Sarr, Madické Niang, Babacar Gueye, Macky Sall, Modou Diagne Fada, Karim Wade. Nous sommes tous des héritiers d'Abdoulaye Wade ce vendredi. Pensez-vous qu'Abdoulaye Wade, qui vit actuellement à Versailles, près de Paris, va recevoir quelques appels téléphoniques ou non ? J'imagine qu'il va recevoir beaucoup d'appels, de ses disciples et de nous-mêmes. Vous allez l'appeler vous-même ? Oui, bien sûr. J'imagine que Macky Sall va l'appeler, l'un de ses disciples. J'imagine que quelques-uns de ses amis qui l'ont rejoint dans l'Internationale libérale, notamment le président Alassane Ouattara, vont l'appeler. J'imagine aussi que son ami et petit frère, Denis Sassou-Nguesso, va l'appeler. Peut-être aussi le président Abdou Diouf. Entre Abdoulaye Wade et Abdou Diouf, ce sont des relations très particulières. Je vais vous raconter une anecdote. Lorsqu'il a pris le pouvoir et a été élu, il est allé rendre visite à la mère d'Abdou Diouf. Il est venu et lui a dit : « Écoutez, vous êtes une mère chanceuse parce que vous avez deux enfants – parce qu'ils ont des liens de parenté – vous avez deux enfants, l'un était président de la République et a été battu par l'autre. Vos deux enfants se sont succédé à la tête de l'État. J'imagine que pour cette raison, Abdou Diouf va l'appeler. Ils ont gardé de bonnes relations. Ce sont des républicains et des démocrates. C'est une belle histoire. Et Idrissa Seck ? Ah oui, mais pourquoi pas ? Idrissa Seck fait partie de l'héritage et des héritiers. Il va l'appeler. Oumar Sarr va l'appeler. Nous allons tous l'appeler parce que c'est notre guide. Il nous a tous mis le pied à l'étrier. Nous sommes ses disciples. Et Bassirou Diomaye Faye ? Il devrait. Parce qu'il est président de la République et que la République du Sénégal a pris une part importante dans l'organisation de cet événement, qui est un événement important. Cent ans, ça n'est pas donné à n'importe qui, surtout à un ancien président de la République. J'imagine qu'il va l'appeler. Et Ousmane Sonko ? Pourquoi pas ? Ousmane Sonko est un homme politique. J'ai le souvenir précis, en 2019, lorsque Ousmane Sonko était candidat à l'élection présidentielle et que notre candidat Karim Wade avait été recalé. C'est moi-même qui ai reçu Ousmane Sonko à l'hôtel Terrou-bi, qui était venu demander le soutien d'Abdoulaye Wade. C'est vrai, il a eu des mots parfois durs à ses débuts contre Abdoulaye Wade, contre tous les hommes politiques d'ailleurs. Mais je mets cela sur le compte du manque d'expérience et de la fougue qui était la sienne à l'époque. Aujourd'hui, avec le recul, Abdoulaye Wade mérite bien qu'il l'appelle, au moins pour cet événement. C'est la République du Sénégal qui sortira grandie de cette situation. À lire aussiLes 100 ans d'Abdoulaye Wade: l'itinéraire hors normes de l'ancien président sénégalais en huit dates

Discover how to spot undervalued stocks like Magna International (MGA) using the proven QAV (Quality at Value) methodology from Tony Kynaston – a systematic, checklist-driven approach inspired by Warren Buffett and Charlie Munger to beat the market. Magna International is one of the biggest automotive suppliers in the world. Most drivers never notice it. Magna sits behind the scenes, building the parts, systems, and even entire vehicles for major brands. Cameron from QAV America joined me to explain how this quiet giant works and why it's back on the QAV buy list.

They’re in the same role as you, have less experience and are somehow being paid more? A whopping $25k more. So, are you being underpaid or simply not asking for what you’re really worth? On this week’s Friday Drinks, we’re covering career-coded Money Dilemmas. One person asks whether it’s ever worth it to stay in a job you love, even if it means taking longer to reach your money goals. And someone’s being underpaid! Or are they? With a less-experienced colleague being paid more for the same role, this community member asks whether they’ve missed their moment to ask for a raise – or if they’re simply being underpaid by a whole $25k. From knowing your worth to knowing your values, this episode is nothing to sniff at. A big thankyou to the team at eBay for sponsoring this episode! To learn more about free selling, check out their website. Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA our zero-judgement support network for money tips. Ask questions, share rec’s, and celebrate your wins with a like-minded community of 300,000+. And follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

This episode of the podcast is a recording with Jessica Brady, money expert and financial coach, where we chat pretty deep about how to get in touch with your money beliefs and values, and why that's actually important when it comes to your saving and investing.  We get into some of the money systems that can hold people back, and particularly talking about women around finance and financial management, and we go through Jess' top tips for high-income earners to really make sure that they're making the most of their money. This episode is perfect for anyone that wants to understand the why behind the what.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Talk To Me Nice Thursday GAME 1 IS DONE AND DUSTED... Which means it is forfeit time, pride, game 1 bragging rights OH and having to GIVE UP one of the teams you follow... Will the debts be paid and the deal be kept?... Can you say "did you fart" in a flirty tone?, how about in a reassuring tone?, actually don't worry because the boys will do it so you don't have to!... TMS acting class is in session!.... YEAH NAAAH is making a comeback to the podcast and todays YEAH NAAAH are the staple burgers found around Aotearoa!... We have another money moment to let you in on another exciting feature that our friends at Sharesies have to offer to help YOU upgrade your financial portfolio and knowledge, today we will be covering Sharesies 'Advised Portfolios' Hold up! Before anyone gets ideas about keeping the kids' investment for themselves - technically, those funds are held in trust. Once you pick an age for them to get access, it's their "spend money," not yours—no matter how much they might make your hairs on the back of your neck stand up!  For more information on advised portfolios, including fees, see the Sharesies Advice Disclosure Statement at www.sharesies.nz Sharesies Investment Management Limited is the issuer of the Sharesies KiwiSaver Scheme. The product disclosure statement (PDS) for the Sharesies KiwiSaver Scheme has been lodged, and may be viewed on the Disclose Register or at www.sharesies.nz  Join our group on the StrideKick by entering this code into the 'Challenge Column: 96WPG7G3DM Hit that link below to stay caught up with anything and everything TMS. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.facebook.com/groups/3394787437503676/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ We dropped some merch! Use TMS for 10% off. Here is the link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youknowclothing.com/search?q=tms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Thank you to the team at Chemist Warehouse for helping us keep the lights on, here at The Morning Shift... ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.chemistwarehouse.co.nz/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 00:00 - Intro 3:48 - Check In (IT'S FORFEIT TIME) 10:12 - Daily Bread 20:47 - Sharesies Money Moment - Advised Portfolios 25:56 - Say The Phrase 32:38 - YEAH NAAAH 40:11 - Outro Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode continues the story we started with Neeraj Khemlani, author of The Coffee Can Investor. Neeraj told Matt Ankrum's story. Now we hear it from Matt himself. He explains how he studies 100‑baggers, how he invests, and why he built a long‑term portfolio for his three daughters.Episode Blog Post: https://www.sharesforbeginners.com/blog/ankrum-coffee-can

This episode continues the story we started with Neeraj Khemlani, author of The Coffee Can Investor. Neeraj told Matt Ankrum's story. Now we hear it from Matt himself. He explains how he studies 100‑baggers, how he invests, and why he built a long‑term portfolio for his three daughters.Episode Blog Post: https://www.sharesforbeginners.com/blog/ankrum-coffee-can

So you can be overinsured and you can be underinsured, but can you ever just be insured enough in your super? ‘10 Things I Hate About You’ jokes aside, we yapped about insurance with friend of the pod Phil Thompson from Skye Wealth. Join us on the Deep Dive couch as we unpack a couple of case studies to demonstrate what it might look like to be overinsured, plus how an underinsured person might get sufficient cover, followed by a quickfire round of questions from our She’s on the Money community. Tune in if you’ve ever wondered: what percentage of your income should be spent on insurance, if the coverage in your superannuation is enough to see you through, or if you’ll still be covered with ADHD. Relatable, tbh. Self-employed, unemployed, or in your 40s, Phil’s got an A for so many of your Qs. SORT YOUR INSURANCE: Thanks once again to our partners Skye Wealth for bringing this episode to your feed. If you're ready to chat to a professional about your insurance, we have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. EVEN MORE EPISODES: Listen to our insurance playlist here.Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.Follow us on Instagram @shesonthemoneyaus for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

NAB is cutting jobs in Australia… while hiring up to 1000 new staff in India and Vietnam. SpaceX has added an Australian retail investment platform to its IPO plans.. in what could be the biggest IPO in history. Ferrari has unveiled its first fully electric car and its own marketing chief is telling its loyal petrol heads to please, please not buy it. _ Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes.____ Information on current super contribution caps, limits and tax sourced from the Australian Tax Office website. Netwealth Disclaimer: Netwealth Superannuation Services Pty Ltd issues Netwealth Super Accelerator. Netwealth Investments Limited issues the Netwealth Wealth Accelerator Multi-Asset Portfolio Service. Information contained within this post is of general nature only. Consider whether the products are appropriate for you and seek advice where required. To help you decide, read the PDS or IDPS Guide and TMD available at netwealth - Super & Investment Solutions - Investors & Wealth Professionals. The Information contained in this article is general information. It does not constitute legal, tax, credit or financial advice and is not tailored to an individual’s circumstances. You should consider your own personal circumstances and seek advice from your professional advisers before making any decisions that may impact your financial situation.See omnystudio.com/listener for privacy information.

Guzman y Gomez has shut its eight Chicago stores and abandoned its US expansion…and its share price skyrocketed on the news. Singtel has not-so-quietly put a "For Sale" sign on part of Optus… Australia's second-biggest telco. Oura Ring has confidentially filed for an IPO, as the smart ring maker is eyeing a $2 billion USD revenue year. _ Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. ____ Information on current super contribution caps, limits and tax sourced from the Australian Tax Office website. Netwealth Disclaimer: Netwealth Superannuation Services Pty Ltd issues Netwealth Super Accelerator. Netwealth Investments Limited issues the Netwealth Wealth Accelerator Multi-Asset Portfolio Service. Information contained within this post is of general nature only. Consider whether the products are appropriate for you and seek advice where required. To help you decide, read the PDS or IDPS Guide and TMD available at netwealth - Super & Investment Solutions - Investors & Wealth Professionals. The Information contained in this article is general information. It does not constitute legal, tax, credit or financial advice and is not tailored to an individual’s circumstances. You should consider your own personal circumstances and seek advice from your professional advisers before making any decisions that may impact your financial situation.See omnystudio.com/listener for privacy information.

A little heads up before you press play: this episode contains conversations about financial abuse and coercive control. It’s an incredibly important conversation, but please look after yourself while listening. This week’s Money Diary is raw in a way I don’t think I was fully prepared for. At 21, she fell in love with an older man and slowly built a life around him. Over time, she gave up uni, stopped working, helped raise his children, and handed over control of her finances without really realising how much of herself she was losing in the process. What started as “he’s just better with money” slowly became something much darker. By the end of the relationship, she was working unpaid for his business, questioning her own worth constantly, and living in a situation so controlling that she had her own fridge in the garage because she’d been made to feel like a burden. And still… she didn’t call it financial abuse at the time. After 14 years, one moment finally pushed her to leave. She packed up her dog, moved back in with her parents, got a new job, started learning about money for herself, and began rebuilding from scratch. Now she has a growing investment portfolio, a $50k house deposit, and something even bigger than that: independence. This conversation is heartbreaking, hopeful and honestly incredibly important. Because financial abuse rarely starts with one giant red flag. Most of the time, it happens slowly… until one day you realise you don’t recognise yourself anymore. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

On this episode of Financially Fierce, Jess breaks down her biggest hot takes from the 2026 Federal Budget. From the measures that could genuinely help Australians right now to the policies that feel more like headlines than solutions, she unpacks the best bits, the BS bits and what it could actually mean for your money, housing, tax and cost of living.Buy Jess's new book 'Get Growing: A No-Nonsense Guide to Cultivating Wealth and Financial Freedom' in the link below: click here.To organise a Clarity Call chat with Jess, or to check out either The Evergreen Money Growing Club, or The Greenhouse Money Growing Program, click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. Jessica Brady is a money educator, former financial adviser and an authorised representative (No. 1259972) of MoneySherpa Pty Ltd – AFSL 451289 | ABN 32 164 927 708 | Corporate Authorised Representative No. 1305567. Hosted on Acast. See acast.com/privacy for more information.

Shares for Beginners and Tykr proudly present "Weekend Watchlist". We dissect a company using Tykr's risk rating and fair value analysis process. Learn how to avoid emotional mistakes, choose investments with a rationale, and build wealth with confidence. Get your free trial and special discount offer. Join Tykr today and take advantage of this special offer of 30% off with coupon code SAVE30. See for yourself why Tykr is the essential tool for every serious DIY share investor. 14-day free trial included, then a no-quibble 30-day money back guarantee: Get your free trial and special discount offer.Why SanDisk Is Exploding: 4,000% Returns and Counting. Weekend Watchlist is about helping beginners sharpen their investing process through real companies and real stories.Disclosure: The links provided are affiliate links. I will be paid a commission if you use this link to make a purchase. You will receive a discount by using these links/coupon codes. I only recommend products and services that I use and trust myself or where I have interviewed and/or met the founders and have assured myself that they're offering something of value. Stocks for Beginners is a production of Finpods Pty Ltd. The advice shared on Stocks for Beginners is general in nature and does not consider your individual circumstances. Opinions expressed by guests are theirs alone and may not represent the views of Finpods, Money Sherpa, or Phil Muscatello. Stocks for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD, and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. Hosted on Acast. See acast.com/privacy for more information.

Shares for Beginners and Tykr proudly present "Weekend Watchlist". We dissect a company using Tykr's risk rating and fair value analysis process. Learn how to avoid emotional mistakes, choose investments with a rationale, and build wealth with confidence. Get your free trial and special discount offer. Join Tykr today and take advantage of this special offer of 30% off with coupon code SAVE30. See for yourself why Tykr is the essential tool for every serious DIY share investor. 14-day free trial included, then a no-quibble 30-day money back guarantee: Get your free trial and special discount offer.SanDisk surges after its spin‑off from Western Digital. Learn how AI storage demand, data‑centre growth, and explosive earnings drive this comeback story.Disclosure: The links provided are affiliate links. I will be paid a commission if you use this link to make a purchase. You will receive a discount by using these links/coupon codes. I only recommend products and services that I use and trust myself or where I have interviewed and/or met the founders and have assured myself that they're offering something of value. Shares for Beginners is a production of Finpods Pty Ltd. The advice shared on Shares for Beginners is general in nature and does not consider your individual circumstances. Opinions expressed by guests are theirs alone and may not represent the views of Finpods, Money Sherpa, or Phil Muscatello. Shares for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD, and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. Hosted on Acast. See acast.com/privacy for more information.

The dentist can be spenny, but necessary. So what happens when you can’t afford an appointment? And what if your treatment is kinda important or worse… urgent? This week on Friday Drinks, we discuss a Money Dilemma that questions whether we can ever really afford to miss health-related appointments when we’re in debt. We also answer a DM that’s all about diversification and whether buying diversified ETFs is enough. If you’ve been afraid to ask the question or considering how to diversify your portfolio, this episode’s for you. New here? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA our zero-judgement support network for money tips. Ask questions, share rec’s, and celebrate your wins with a like-minded community of 300,000+. And follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

This episode of the Mo Money Podcast is a conversation with Jack Henderson, property expert and buyer's agent, where we dive deep into commercial property. We talk about what it is, how it works, who it suits and who it doesn't, as well as some of the mistakes to look out for, how commercial property is valued, some of the big flags to look out for if you're going down this path, as well as his advice for people that think that this might be the next move for them. Now, we get a ton of questions about commercial property, so this episode is for anyone that thought maybe that's something that's right for me.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Spoiler: ETFs aren’t that deep. So why are so many of us (okay, you) still so intimidated by them when it comes to investing? On this week’s Deep Dive, Bec and Victoria cover the acronym that’s causing a stir in our comments section. Exchange Traded Funds or ETFs are just one of the ways that many Aussies are investing, and for good reason too. They’re a bundle of shares that give you some healthy exposure to a range of companies, industries and asset classes that you mightn't have otherwise. In this episode, we’ll cover what ETFs are, how they work, and why they’re such a compelling investment option. Thanks to our episode partners Sharesies, we’ll show you how to get started on their platform, as well as which ETFs have risen in popularity in recent times (and why!). From percentages to performance, common mistakes and money tips, learn how to make your money work harder for you with ETFs. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. SHARESIES CODE: Sign up for the investing platform Sharesies, use the code SOTM10 and deposit any amount and Sharesies will give you a bonus $10 to invest. NEW HERE? Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram @shesonthemoneyaus for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

This week’s Money Diary is one of those “wait… this is actually so relatable” conversations. She’s a newly admitted lawyer who spent years living paycheck to paycheck while studying, prioritising travel over investing and genuinely having no idea what an ETF even was. Fast forward a few years and life suddenly got very expensive, very quickly. An apartment. A wedding. A honeymoon. Another holiday. A puppy. Moving costs. Furniture. And somewhere in the middle of all of that, she and her husband had the slightly nauseating realisation that they’d spent hundreds of thousands of dollars in a year… without really stopping to think about where any of it was actually going. And honestly? I think a lot of people will see themselves in this one. We talk about the pressure to buy property because everyone else is doing it, the reality of owning an apartment with brutal body corporate fees, lifestyle creep, ADHD hyper-fixation becoming an unexpected budgeting superpower, and what happened when she finally sat down and looked at her finances properly. Now she’s investing 40% of her income, building a portfolio she actually understands, and rethinking what financial security is supposed to look like in the first place. This one feels a little bit like a group chat with your financially self-aware friends. Slightly chaotic. Slightly confronting. But in the best way. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. GET VICTORIA'S BUDGETING SYSTEM: Master your money here.NEW HERE?: Take our Money Personality Quiz and we will send you free resources based on how YOU actually manage money here. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Okay… this one still feels a bit surreal to say out loud. Right after the federal budget dropped, I sat down with Australia’s Prime Minister, Anthony Albanese, and Finance Minister Katy Gallagher to ask the questions our She’s on the Money community actually wants answered. We covered a lot. We spoke about housing affordability, negative gearing, capital gains tax changes, childcare costs, women’s health, paid parental leave, fuel prices, the gender pay gap and what the government is actually doing about the cost of living pressure Australians are feeling right now. We also had a really honest conversation about why the government changed its position on negative gearing, and whether politicians genuinely understand how financially stretched people are feeling. But because this is still She’s on the Money… things also went slightly off the rails. We somehow ended up talking about ChatGPT, Bluey, subscription creep, the Met Gala, free McDonald’s burgers, sourdough, single people being forgotten by the system, and the Prime Minister’s thoughts on Sabrina Carpenter’s outfit choices. Which, to be fair, was not where I expected budget week to go. If you’ve been trying to make sense of what just happened in Canberra, this is the budget breakdown you actually want to hear. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Right after the federal budget dropped, I sat down with some of Australia’s most powerful ministers and political voices to ask the questions our community actually cares about. Not the polished political talking points… the real stuff. Housing affordability, childcare costs, rising bills, negative gearing, fuel prices, domestic violence support, women’s financial security and whether Australians are genuinely better off after this budget. Across this bonus episode, I speak with Housing Minister Clare O'Neil, Social Services Minister Tanya Plibersek, Infrastructure Minister Catherine King, Climate Change and Energy Minister Chris Bowen and Independent MP Monique Ryan about what this budget actually means for Australians trying to buy homes, leave violent relationships, pay power bills, raise kids and build financial security in an economy that feels increasingly hard to keep up with. We also get into the politics behind negative gearing reform, whether the government has gone far enough on housing, why childcare still feels impossible for so many women, and what politicians really think when Australians say their paychecks simply aren’t stretching anymore. Some of their answers genuinely surprised me. Hi friend, we’re She’s on the Money, an Australian finance podcast here to help you feel more confident with your money. From understanding your money story, to actually sticking to a budget, to starting to build wealth in a way that feels doable. We’ve got hundreds of hours of podcast episodes and loads of free resources to help you get started. Some links to get you on your way:https://bio.site/shesonthemoney The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFL - 451289. See omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

The federal budget has dropped… and Australians have opinions. So Victoria sat down with Australia’s Treasurer, Jim Chalmers, immediately after the budget announcement to ask the questions everyone actually wants answered. From negative gearing and capital gains tax changes to the cost of living crisis, fuel prices, housing affordability, tax cuts and why blueberries suddenly cost what feels like a small mortgage repayment. They also get into the political backlash surrounding the budget, why the government changed its position on housing tax reform, whether Canberra is disconnected from how tough things feel financially right now, and what Treasurer Chalmers says Australians fundamentally misunderstand about the federal budget. There’s also unexpected chat about ChatGPT, air fryers, pocket money, coffee machines, influencers, and what it actually feels like to hand down a budget while the internet calls you “The Jim Reaper.” If you’ve been trying to make sense of what just happened in Canberra, this is the budget breakdown you actually want to hear. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Discover how to spot undervalued stocks like Deutsche Bank (DB) using the proven QAV (Quality at Value) methodology from Tony Kynaston – a systematic, checklist-driven approach inspired by Warren Buffett and Charlie Munger to beat the market. This week I spoke with Cameron Reilly from the QAV Investing Podcast for another episode of Weekend Watchlist. Deutsche Bank delivered its best results in 156 years after a major turnaround. Learn how the bank refocused, rebuilt, and returned to strong profitability.Discover how to pick winning stocks and beat the S&P 500 with Tony Kynaston's proven QAV (Quality at Value) investing methodology.It's a systematic checklist for identifying undervalued quality companies, timing buys and sells with a "three-point trend line" and avoiding market noise. QAV America has delivered 64% returns since September 2023 vs. the S&P 500's 54%, perfect for beginners and pros seeking long-term compounding.Learn about the checklist manifesto, operating cash flow focus, and why QAV is expanding to cover US stocks. Use promo code SFBUS for 20% off QAV plans: QAV Club America (annual/monthly) for full tools and community, or QAV America Light for simple buy/sell signals. Start your 14-day free trial by clicking this link. Subscribe to this channel for more stock picking tips, value investing strategies, and market-beating ideas.Are you Australian and investing in the ASX and ready to go beyond ETFs? Learn from the master - Tony Kynaston's QUALITY AT VALUE. Sign up with code SFB for a 20% discount on QAV Club plan or SFBLIGHT for a free month of QAV Light by clicking this link. for Australians or those wanting to invest in Australian stocks.Disclosure: The links provided are affiliate links. I will be paid a commission if you use this link to make a purchase. You will receive a discount by using these links/coupon codes. I only recommend products and services that I use and trust myself or where I have interviewed and/or met the founders and have assured myself that they're offering something of value.Stocks for Beginners is a production of Finpods Pty Ltd. The advice shared on Stocks for Beginners is general in nature and does not consider your individual circumstances. Opinions expressed by guests are theirs alone and may not represent the views of Finpods, Money Sherpa, or Phil Muscatello. Stocks for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD, and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. Hosted on Acast. See acast.com/privacy for more information.

The space economy isn't some far-off sci-fi bet, it's already a US$630 billion industry powering the way we communicate, navigate and forecast weather.Bryce and Ren are joined by Betashares investment strategist Hugh Lam to unpack falling launch costs, satellite internet, data-as-a-service, defence, tourism, SpaceX hype and why ETFs may offer a diversified way to access the theme.In this episode: 00:00 — The US$630 billion space economy01:32 — Betashares launches Australia's first space ETF02:19 — Hugh Lam's first investment04:02 — How to think about the space economy05:32 — Falling launch costs and satellite demand08:00 — Data-as-a-service, Starlink and real-world use cases16:37 — Blind ranking blue-sky space businesses24:39 — Why ETFs may suit emerging themes like spaceETFs and stocks mentioned: Betashares Space Industry ETF (ASX: RCKT), A2 Milk (ASX: A2M), SpaceX, Starlink, Planet Labs, Rocket Lab (NASDAQ: RKLB), Blue Origin, Impulse Space, Varda Space, Telstra (ASX: TLS), Qantas (ASX: QAN), Qatar Airways, Nearmap, TSMC (NYSE: TSM), Nvidia (NASDAQ: NVDA), Intel (NASDAQ: INTC), Microsoft (NASDAQ: MSFT), Meta (NASDAQ: META), Google (NASDAQ: GOOGL), ASML (NASDAQ: ASML)Learn more at https://www.betashares.com.au/learn/space-etf/. Read the PDS and TMD and consider if the Fund is right for you. Betashares Capital Limited is the issuer.Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of the Betashares Funds, as well as Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au, before making an investment decision. This information is general in nature and doesn't take into account any person's financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice.———Want to get involved in the podcast? Record a voice note or send us a messageAnd come and join the conversation in the Equity Mates Facebook Discussion Group.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)We're particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email———Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight———In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Equity Mates Investing is a product of Equity Mates Media. Hosted on Acast. See acast.com/privacy for more information.

This episode is what happens when financial planning and family planning have a baby. Why is it that egg-freezing and IVF feel like buzzwords; distant things that are only relevant once we (or the people we care about) start to consider the options? This changes now. Joining us on this week’s Deep Dive is sought-after fertility specialist and friend of the pod, Doctor Nicole Hope. The Medical Director at NewLife IVF has helped people to conceive and grow families for the last 20 years. Naturally, we pitched her all of your spicy DMs about financing your fertility journey, covering costs, rebates and whether you can tap into your super to fund it all. From payment options to insurances and the difference between various treatments, tune-in for an in-depth discussion about the economics of fertility with NewLife IVF. CW: During this episode we discuss pregnancy and fertility; topics that some of our listeners might find confronting or triggering. If this is true for you, we recommend skipping the episode until you’re ready to return to it, or simply tuning in for next week’s Deep Dive. Please do what feels right for you. BUDGETING FOR BIGGER THINGS? Yoink. Please swipe our free downloadable budgets over at shesonthemoney.com/download-resources and bring your goals that much closer. Join our Facebook Group (Search for: ShesontheMoneyAUS) AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.Follow us on Instagram @shesonthemoneyaus for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (queenacknowledgements.com)The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

The federal budget officially dropped at 7:30pm tonight, but we recorded this episode from inside Budget Lock-Up BEFORE the rest of the country got their hands on it. At 6pm, while the internet was still speculating and journalists were speed-reading hundreds of pages of announcements and fine print, we sat down inside Parliament House to unpack the headlines we think actually matter to our community. Victoria is joined by Glen James from Money Money Money and Vince Scully from Retire Right, who also happens to own our financial services licence, which you’d think would mean we’d be on our best behaviour… but unfortunately that’s not what happened. Together, we break down:• the negative gearing and CGT changes everyone’s about to argue about• what the tax cuts actually mean for your wallet• housing affordability and first home buyers• women’s health funding• cost-of-living relief• and why the global oil crisis is suddenly impacting Australian households Plus, we had a cameo appearance from Katy Gallagher, Minister for Finance herself. This episode is landing slightly later than we planned because the audio quality wasn’t where we wanted it to be and after surviving Budget Lock-Up, the least we could do was make sure it didn’t sound like we recorded it through a microwave. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Have you ever thought, “maybe I’ve missed my chance.” This weeks diarist started uni three separate times and dropped out every single one. Worked 50-hour weeks in retail management for minimum wage. Genuinely believed that without a degree, there was a limit to what she’d ever earn or achieve. Relatable. Then life happened. A baby. A relocation. A partner changing careers. Another baby. A mortgage. A massive amount of imposter syndrome. But somewhere in the middle of all of that, she met a leader who saw something in her before she could fully see it herself… and everything started to shift. Now she’s 33, earning $140k in HR with no degree, investing for the first time, raising two kids, navigating a very real mortgage, and trying to work out how anyone affords dining chairs without having a small emotional breakdown. This conversation felt really honest. Not in a “perfect with money” way. More in a “figuring it out while life is happening” kind of way. SORT YOUR INSURANCE: A big thank you to our partner Skye Wealth for bringing this episode to life. If you're ready to get your insurances sorted, you can learn more about them here.We have a long standing referral partnership with Skye Wealth and only ever partner with people we trust. CHECK OUT THE SOTM INVESTING HUB: Full of our best investing freebies, resources, courses and podcast episodes here. INVESTING FOR BEGINNERS: All our best beginner's investing podcast episodes in one place here.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.