Podcasts about pds

Show DescriptionIf you're like Chris and understand a bit of the tech behind AT Proto but want to understand it at a deeper level, this episode is for you. How does it differ from straight up RSS and Mastodon, where is my identity being stored, how do I create a schema, what can be updated or modified later, is there going to be a PDS revolution, how does Standard.site fit into it all, and what else could we build with AT Proto? Listen on WebsiteWatch on YouTubeGuestsDan AbramovGuest's Main URL • Guest's SocialLinks overreacted There are no instances in AT Proto dan abramov Tangled Leaflet BlueSky For You feed Standard.site Implementing Standard Site: WIlto atapult teal.fm

This week's Money Diary is for anyone who's ever felt like their relationship with money was shaped long before they earned their first paycheck. Growing up, money was always part of the conversation in her house. But not in a good way. She watched her mum give up career opportunities, financial independence and choices, while money was treated as something that belonged to someone else. And without realising it, she carried those lessons into adulthood. Spending became freedom. Saving felt impossible. And for years, she bounced between worrying about money and avoiding it altogether. At 31, things look very different. She's earning around $130,000 a year in mining recruitment, has built her savings to $60,000, started investing, and is on track to hit $90,000 in savings by the end of the year. Not because she's perfect with money, but because she finally realised that financial security isn't about restriction. It's about choice. We chat about growing up in a household where money created tension, the spending habits that took years to unlearn, the pressure to buy property when everyone around you seems to be getting ahead, and why she's determined to create financial independence for herself, even while in a loving long-term relationship. This conversation felt like such an important reminder that your money story doesn't have to end where it started.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.

How do you actually pick which heifers to keep? For many, selecting the top ones is easy, but it's those middle ones that are hard to choose between. For this week's guest, Geoff Hayes, the answer is genomics. Geoff and his wife Belinda started their Angus stud just 5 years ago, but began their genomic journey early, not wanting to pick bulls on looks alone from the very beginning. "I was hesitant just to go and pick them visually," Geoff explains. "We need to put some science into it."They began with a base genomic test across a random selection of purchased cattle, which showed them that they were fine for IMF, but needed to increase ribeye area, and that became the main basis of their early selection focus.Over time, that focus shifted. Rather than just chasing carcass traits, they started looking for sires out of cow families with longevity in the background. This introduced more of a focus on the maternal and stayability traits. Geoff still tests his own weaners before deciding which ones to keep and that same mindset is now extending to heifers, with Geoff part of MLA's heifer PDS project. The project involves genotyping heifers, alongside visual measurements to help guide replacement decisions. This project is ongoing, and we will have results to share in the coming years. Mark and Geoff finish by talking about where the beef industry is headed with record property and beef values, as well as the possibilities of new technology just around the corner.Optimised Heifer Selection is a Producer Demonstration Site (PDS) project funded by Meat & Livestock Australia and facilitated by neXtgen Agri. Geoff Hayes is a core producer demonstration site for this project. If you would like to learn more about this PDS project, you can visit the Heifer Selection Hub page or contact: Georgia Pugh, neXtgen Agri M: +61 408 947 488 E: georgia@nextgenagri.comHead Shepherd is brought to you by neXtgen Agri International Limited. We help livestock farmers get the most out of the genetics they farm with. Get in touch with us if you would like to hear more about how we can help you do what you do best: info@nextgenagri.com.Thanks to our sponsors at MSD Animal Health and Allflex, Heiniger Australia and New Zealand, and ProWay Livestock Equipment. Please consider them when making product choices, as they are instrumental in enabling us to bring you this podcast each week.Check out the MSD range HERECheck out Allflex products HERECheck out Heiniger's product range HERECheck out ProWay's product range HERE

An inheritance? Slay. Inheriting shares but being prohibited from ever selling them? Err… help? This week, Victoria, Bec and Jess unpack Money Dilemmas and DMs galore. Our first stop: The difference between LICs and ETFs. Plus, a dread many of us know all too well; working at a job that literally sucks the life from you, while dreading the financial implications of leaving. Join us for another episode of Friday Drinks, where the gang covers burnout, pizza dimensions, and what we thought our lives would be like at 30. Like, did you also think you’d own a horse by now? Weird how things work out. WANT OUR ETF CHEAT SHEET? Head on over to our resources page to grab a copy.BRB, TUNING IN FROM THE BAHAMAS: Where are you listening from? Tag us on socials @shesonthemoneyausBURNOUT IS REAL: If this episode brought up some issues for you, or if you’re looking for resources to support your mental health, please visit beyondblue.org.au/mental-health. 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 (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.

On this episode of the Mo Money Podcast, we unpack the budget changes and what it means for your money and investing. We talk about you know the issues and the challenges that have come from the budget, as well as the opportunities that are out there for investors today.  We unpack these newly announced changes to SMSF borrowing and what that actually means for property investors, as well as how to invest without paying any capital gains tax when you're strategic, the power of structures, tax planning on your investments, and the key opportunities, particularly for higher income earners in the post-budget environment, how the rulebook has changed and what the new one actually looks like.  This episode, well, I think it's actually critical for anyone that wants to be smart, given how much change has happened over the last little while. 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.

What happened to your super investments this financial year?     Despite global conflict, market volatility and economic uncertainty, many super funds delivered strong returns over the past financial year. So what happened and what does it mean for your retirement savings?     In this episode of Super Insider, Josh Van Gestel is joined by Australian Retirement Trust Chief Economist Brian Parker to unpack the biggest investment stories of the financial year. Together, they explain why markets proved more resilient than many expected, what drove investment performance, and why staying focused on the long term remains one of the most important decisions you can make as an investor.      Tune in to learn about the following topics:  01:42 How global events shaped investment markets over the past financial year  05:18 Why share markets delivered strong returns despite ongoing uncertainty  09:47 What artificial intelligence means for investment performance and future growth  13:25 Why diversification matters more than chasing market hype  17:03 How ART invests for the long term through market volatility  21:41 What investors should focus on in the year ahead  26:15 Where to find tools to help choose a suitable investment option    Whether you're checking your annual super performance or simply trying to make sense of the headlines, this conversation will help you understand what matters most and why keeping a long-term perspective is key.     This episode is designed to help you feel more confident about your retirement decisions, no matter where you are in your journey.   

So they have a Cartier bracelet, but no emergency fund. Or they own a home… but have a $5k monthly mortgage. What actually makes someone rich versus what makes them wealthy? This Deep Dive goes into some of Victoria and Bec’s earliest money memories to explore their first ideas of wealth and what it meant to be ‘rich’. They discuss clichéd wealth indicators from designer bags and luxury cars to who is allowed to be rich, whether there’s a difference to being wealthy and the realities of the upward comparison effect. This episode is less about ‘what the new rich looks like’ and more about the systemic beliefs we’re raised with versus realisations of what financial security and confidence actually feel like.Tune in for questions concerning acquired wealth, private school and boujee pencil cases. KNOW THYSELF: What’s your money mindset? Get acquainted with our quiz. MASTER YOUR MINDSET: A playlist to help you transform your relationship with money. HIT THE BLOG: Are they wealthy or are they just rich? We devoted a blog to this topic. 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 (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 I'm joined by Trish Gregory from our new podcast partner, Hayes & Co, to talk all things personal insurances. Insurance is one of the less sexy sides of personal finance, but it can actually have a profound impact on your financial future. In this episode we talk about the role of insurance in building your financial confidence, the types of insurance you can get and what it can offer, and how to take insurance matters out of the too hard basket. Book a meeting with Trish to discuss your insurance requirements: https://calendly.com/trish-hcis/initial-insurance-meeting-bg Content contained in this episode is for educational purposes only and does not consider your personal circumstances. Broke Media Pty, trading as The Broke Generation (ABN: 22 681 944 141) is a Corporate Authorised Representative No. 001322176 of Rask Licensing Pty Ltd (ABN: 32 681 073 478) (AFSL: 563 907). The information, tools and content provided are general financial advice only. That means the advice does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate before acting. Always read the PDS and TMD before making any decision. If you are unsure, seek personal financial advice from a licensed adviser. Please read our Privacy Policy and Financial Services Guide. Past performance is not indicative of future returns. Investing always carries risk of loss.See omnystudio.com/listener for privacy information.

A few years ago, she thought she had it all figured out. The house. The fiancé. The wedding. The future she'd spent six years building with the person she thought she'd spend the rest of her life with. Then, on a random Tuesday morning, she got a text message. He was leaving. Just six months before their wedding. What followed was a blur of heartbreak, a house sale, more than $30,000 in lost wedding deposits, and the very real task of rebuilding a life she never imagined she'd have to start over. But this isn't really a story about what she lost. It's a story about what happened after. Today she's a qualified dietitian, has over $150,000 in savings, a growing investment portfolio, and a level of financial independence she never knew she was capable of. We chat about combining finances in your early twenties, trusting your gut when something feels off, rebuilding after a major breakup, and why sometimes the plans falling apart end up making space for something much better. By the end of this episode, you'll be rooting for her harder than anyone. 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.

POV: You outearn your partner. Should you be contributing more to things like shared costs, savings and goals because your income is higher? Or is there a more equitable way to split things? This week on Friday Drinks, Victoria, Bec and Jess discuss the ins and outs of relationship finances, especially when you have different attitudes towards money. From honest communication to the heavy money stories we carry, the gang explores how to build healthier financial behaviours while upholding the values of your partnership. Oh and we finally learn which of the Powerpuff Girls V, Jess and Bec would be if they could choose. This episode is for you if you ever felt heavy or ashamed for having debt, and want a way to overcome this feeling. Update: This episode was recorded before the Fuel Excise extension was announced. While the initial discount was higher (E.g. Rather than being taxed 52.6 cents/L we were paying 26.3 c/L in tax), we will now be seeing a 16 cent discount and paying 36.6 c/L in tax; saving around $11 per 65-litre tank. TRUSTED HOUSESITTERS: This platform was mentioned during Bec’s Broke Tips, check it out if you plan on making some extra coin while you travel – or finding a reputable sitter! A PLAYLIST FOR PAYING DEBT DOWN: Destroy that debt, baby. Here’s a playlist to help you learn how. HAVING DEBT DOESN’T MAKE YOU A FAILURE: And we’ve got a blog to prove it. 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 (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 Mo Money Podcast, we chat to Chris Bates from Alcove. He's a mortgage broker that's helped thousands of Aussies buy homes and invest through the property market. We talk through his take on what's going on in the post-budget world for property, what smart property buyers should be thinking about today, and some of the mistakes to look out for if you're wanting to get ahead and using property as part of your plan. This episode is really perfect for anyone that wants to understand property better.   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.

Krijg meer grip op je prikkelbare darm dankzij topdokter Danny De Looze. In dit boek begeleidt hij je stap voor stap bij PDS: van de eerste signalen en juiste diagnose tot een doeltreffende behandeling. Uitgegeven door Lannoo Spreker: Annelies Moons

GP appointments, vitamins, and not to mention the added snack budget; having a baby sounds expensive. So, we asked our very own VD just how much it cost her… with receipts. This week’s Deep Dive episode unpacks the costs associated with having a baby in modern times. Victoria shares receipts and line items from weeks 4 till 40, with a trimester-by-trimester breakdown of exactly how much she spent, how far the Medicare rebates went and whether private health insurance provided enough coverage throughout. If you’ve been thinking about family planning or simply wanted to compare notes on out-of-pocket costs, this is the episode for you (or the parent-to-be in your life). GET OUR BABY BUDGET: Budgeting for a new arrival? Grab ours. READ THE BLOG: Check out our write-up on things to consider when preparing for a baby. RETHINKING YOUR INSURANCE? Check out our playlist devoted to choosing the right insurances for you. 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 (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.

Our diarist this week went from being a flat-broke uni student who could barely afford rent to paying off a $25,000 car loan on a graduate salary in less than a year. She built her emergency fund, started investing, got serious about her money and completely transformed her financial situation. But now there's a new problem. Every time she spends money, she feels guilty. We chat about moving away from home at 19, being the only person in her share house paying her own rent, paying off debt, building wealth in regional Australia, dating someone with four investment properties, and the surprising money mindset shift that came after getting her finances under control. Because sometimes getting good with money isn't the hard part. Sometimes it's learning how to enjoy 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.

Happy 1,000th episode, friends! On his very special episode of She’s on the Money, we’re celebrating this huge milestone in true Friday Drinks fashion, complete with festive hats. Join Victoria, Bec and Jess for a stroll down memory lane. We’ll be sharing mic drop moments from the She’s on the Money socials, updates from a returned Money Diarist from season one, sharing our favourite things (which you can win via our socials!) and rewarding some very loyal contributors across our community. Plus, we’re releasing our final codeword for She’s Stashed the Cash: a 1,000th episode giveaway where our most sleuthy listeners will have the chance to win $1,000 cash. Tune in for earnest chats, moments from Money’s past, and us fangirling over the internet’s best money community (you

In this episode of the Mo Money Podcast, we chat to Damien Cooley, who's a founder at Cooley Auctions. He's auctioned over 75,000 - in fact, over 80,000 properties, he mentioned - and he talks about the lessons from that, how you can not overpay for property, some of the auction bidding strategies to secure a property at a decent price, as well as what's going on in the property market today in the post budget world with confidence a little bit lower across the premium markets across Australia. This episode is perfect for anyone that wants to understand the property market better and to be able to figure out how they can buy property smarter.   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.

Is a hike really the right move for the Reserve Bank? Kiwibank Chief Economist Jarrod Kerr, the lone voice calling for rate cuts last year, wants the cash rate to hold fast. Jarrod explains why he thinks the latest inflation spike is a reactive blip, and why the new Governor of the RBNZ may be under pressure to hike anyway. What’s the influence of the US Federal Reserve and other big central banks? What’s a weak Kiwi dollar doing for exporters, and how are election-year nerves affecting business decisions? Plus, how rising house prices made New Zealanders feel richer and spend more, and how flat property forecasts change how we see our wealth. For more places to follow Shared Lunch—check out http://linktr.ee/sharedlunch 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 on our documents page. Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.See omnystudio.com/listener for privacy information.

Spoiler: Our goal-setting habits are broken. But, it’s not your fault. It’s the psychology we’re raised with. It’s Deep Dive time! And this financial new year, Victoria and Jess are here to help you get out of your own way, so you can start ticking off those EOFY resolutions nice and early. How? By revisiting the psychology behind setting and sustaining financial goals for the year. During this episode, the girls share insights about how current approaches to budgeting, investing and general goal-setting might actually be limiting our capabilities, plus ways we might overcome this with practical advice from authors Adam Grant and Angela Duckworth. This is less about one quick fix for your best year yet, and more about setting goals you’ll actually stick to. Controversial opinion: They don’t fall apart because the journey is hard, they crumble because the journey is boring. P.S. Please share your goals with us, so we can a) hold you accountable, and b) celebrate you! BONUS READING: Love the theories introduced in this ep? Check out Think Again: The Power of Knowing What You Don't Know, and Hidden Potential: The Science of Achieving Greater Things Adam Grant. THAT TED TALK: Watch this iconic TED talk by author Angela Duckworth titled, Grit: The Power of Passion and Perseverance. MINDSET RESET: Stream our playlist on How To Change Your Money Mindset over here. STUDY WITH US: Looking for a course to keep you accountable? Check out Your Best Year Yet (victoriadevine.com.au/your-best-year-yet) 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 (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.

It's the end of another financial year, and for many it's the opportunity to restart working on money resolutions. It's SO important for young people, and especially young women, to take control of their finances and feel empowered about their decisions!! But where do you start? Well, luckily we have money expert Jessica Brady here to chat through spending habits and goals, money in relationships, investing basics, and so much more!!LINKSLearn more about Jessica Brady https://courses.jessicabrady.com.au/work-with-jessica-brady-1Follow Jess on IG @jessbrady_financialadviceSee Abbie on tour https://linktr.ee/abbiechatfieldlovesmenSend us your thoughts, topic suggestions, NMFs and more: https://forms.gle/S5Pf327SmVnnC8CE9Check out @itsalotpod on IG at https://bit.ly/itsalot-instagram.Review the podcast on Apple Podcasts https://bit.ly/ial-reviewCREDITSHost: Abbie Chatfield @abbiechatfieldGuest: Jessica Brady @jessbrady_financialadviceExecutive Producer and Editor: Amy Kimball @amy.kimballIt's A Lot Social Media Manager: Julia ToomeySocial Media and Marketing Strategist: Elizabeth BaxterJessica Gerken (also known as Jessica Brady) is a money educator, former financial adviser, authorised representative (No. 1259972) of MoneySherpa Pty Ltd – AFSL 451289 | ABN 32 164 927 708 | Corporate Authorised Representative No. 1305567. All advice within this podcast is general advice only and does not take into account your personal objectives, situation or goals. Before acting on any information discussed within the podcast, you should read the product disclosure statement (PDS) and target market determination (TMD) before making any decisions about any specific financial products.Jessica Gerken (also known as Jessica Brady) is a money educator, former financial adviser, authorised representative (No. 1259972) of MoneySherpa Pty Ltd – AFSL 451289 | ABN 32 164 927 708 | Corporate Authorised Representative No. 1305567. All advice within this podcast is general advice only and does not take into account your personal objectives, situation or goals. Before acting on any information discussed within the podcast, you should read the product disclosure statement (PDS) and target market determination (TMD) before making any decisions about any specific financial products. Hosted on Acast. See acast.com/privacy for more information.

This week's Money Diary starts with what should have been a straightforward hospital visit. Her husband was 32, healthy, active, and recovering from glandular fever when doctors spotted something completely unexpected on a scan. A few months later, they received the news nobody expects to hear: it was cancer. What followed was months of waiting, uncertainty and trying to keep life moving while living in limbo. But there's another part of this story that really stuck with me. Just over a year earlier, after hearing countless conversations about money, they finally decided to sort out their personal insurances. Not because they thought they'd need them. Just because it felt like the responsible thing to do. Thank goodness they did. We talk about the diagnosis that changed everything, navigating a trauma insurance claim in your 30s, what financial security really means when life throws you something completely unexpected, and why this experience changed the way they think about money forever. It's a conversation about planning for the things you hope never happen, and why sometimes the most boring financial decisions end up being the most important ones. 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.

Logan to fully enforce statewide fireworks ban -- Utah fires by the numbers -- National Weather Service issued Utah's first-ever formal “PDS” red flag warning

We start things off with movies that stink! Ethan and Alex debate whether it’s time to consider volunteering as firefighters and provide updates on the latest fire watch. We check in with Steve to see how he’s handling the firework situation under the new ban. Plus, chaotic teens and more adult kids are living with their parents to save money.    What volunteering as a firefighter may look like, PDS red flag warning and what cities have said they are fully banning fireworks and which ones haven’t.    KSL Brightside streams live weekdays 12–3 PM. YouTube exclusive live stream from 12–1 PM | Radio + YouTube from 1–3 PM.   Follow KSL Brightside on social media! YouTube: https://www.youtube.com/@KSLBrightside Facebook: https://www.facebook.com/KSLBrightside Instagram: https://www.instagram.com/KSL_Brightside TikTok: https://www.tiktok.com/@ksl.brightside

In this episode, Cameron Riley uncovers the incredible true story of Carter Bank Shares (CARE) - a small community bank founded by Worth Carter that got dangerously entangled with Senator Jim Justice's coal empire. From massive over-lending and lawsuits to a dramatic bailout by another billionaire, this wild Wall Street saga has left the bank sitting on a huge cash pile and surprisingly landing on the QAV US Buy List. Cameron breaks down why this messy but cash-rich opportunity scored high on the QAV checklist and what it could mean going forward.Not a recommendation to buy but a way for you to learn how QAV screens for value.

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.

Copper sits at the centre of almost every major investment theme of the next decade, from AI data centres and electrification to electric vehicles, renewables and global urbanisation. William Taylor, COO and Portfolio Manager at ETF Shares, joins us to unpack why copper demand is accelerating, why supply is struggling to keep pace, and what it all means for investors looking to gain exposure to one of the world's most important metals.In this episode:00:00 – Why copper is becoming critical to the global economy02:05 – Introducing William Taylor | ETF Shares04:09 – AI, data centres and the new source of copper demand07:43 – Urbanisation, emerging markets and long-term demand growth10:12 – The global copper supply bottleneck16:21 – Copper prices, cycles and the investment outlook27:29 – Why invest in a copper ETF rather than individual miners?31:15 – Inside ETF Shares' CPPR copper ETFETFs and Stocks mentioned: ETF Shares Global Pure Play Copper Miners ETF (ASX: CPPR), BHP Group (ASX: BHP), Sandfire Resources (ASX: SFR), B2Gold, Newmont Corporation (NYSE: NEM), Northern Star Resources (ASX: NST), Games Workshop Group (LSE: GAW), Tesla (NASDAQ: TSLA), S&P/ASX 200 ETF (ASX: STW)To find out more about ETFShares Global Pure Play Copper Miners (CPPR), head to their website or look on broker platforms. https://www.etfshares.com.au/products/cpprThe issuer of units in ETFS Global Pureplay Copper Miners ETF (CPPR)(ARSN: 695 413 113) is the responsible entity of the Fund, being ETF Shares Management Limited (ABN 77 680 639 963, AFSL: 562 766). The product disclosure statement (PDS) and Target Market Determination (TMD) for the Fund contains all of the details of the offer of units in the Fund. Copies of the PDS and TMD are available from ETF Shares Management Limited or at www.etfshares.com.au.———To check out LendUs head to https://www.lendus.com.au/equitymatesWant 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———This podcast is intended for education and entertainment purposes only. Any advice is general advice and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If unsure, speak to a financial professional. The host of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares Group but maintains editorial independence and operates under Australian Financial Services licence 540697. Hosted on Acast. See acast.com/privacy for more information.

This episode of the Mo Money Podcast is a money diary session with John and Greta. There are business owners that have been on a journey trying to get more out of the money that they already have. So we chat about how they've set up their finances to be automated, so that they can focus more on their business, how they've aligned as a couple with very different perspectives and approaches and interest levels in their money, and how that's made it easier for them to focus again on improving their business and the things that really matter to them.  They also talked about investing, building income, and setting up an investment for their daughter, and how they went about making the decisions around that. This episode is perfect for anyone that wants to understand the smart things that you can do to take you from where you are to 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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.