Financial Autonomy
Plenty of books, podcasts and blogs focus on building wealth – and that’s great, as far as it goes. But focusing just on wealth misses the point. I believe what most of us actually want is to have choice. Choice in how much time we give to income-producing activities. Choice about what those income-producing activities are. Choice about where we live. Choice about when we retire. Choice about the ways we use our money to produce happiness. In the Financial Autonomy podcast, I explore the different ways you can gain choice - from investing in stocks to becoming self-employed, starting a side hustle, or buying an investment property. I share learnings I've gained working with clients for over 20 years as a Certified Financial Planner, and interview others with interesting insights or experiences in gaining choice in life.
Episodes
With the new financial year underway, this episode explores key strategies to help you get ahead—like adjusting your super contributions, reviewing personal insurance, boosting savings, and even exploring gearing opportunities. Plus, we look at why financial modelling could be the most valuable move you make this year. Tune in and start the new financial year strong.
After spending time working remotely in France, I came away with a deeper appreciation for the different ways countries manage their economies and social systems. France offers incredible public services and a rich cultural experience — but also faces some complex challenges that many nations share.
In this episode, I reflect on what I observed abroad and what it...
In this episode, we explore the single most important — yet often overlooked — action that successful investors rely on: doing nothing.
When markets become volatile and headlines stir fear, the instinct to react quickly can be hard to resist. But often, the smartest move is to stay calm and hold your ground. We’ll talk about why patience is one of the most powerf...
A significant portion of the work that we do for clients entails financial modelling to help understand what is possible. Frequently, we arrive at the conclusion that the person’s long term outlook is very secure, and indeed they likely have wealth in excess of requirements.
Your home isn’t just where you live — it can also be a powerful asset in your long-term financial plan. In this episode, we look at how shifting your housing as your life changes can open up smart strategies to build wealth and strengthen your retirement outlook.
From understanding how property values tend to hold up in Australia, to making the most of tax-free g...
This week, we're unpacking a real-world financial dilemma: one person's uneasy experience after being advised to move her super from a large industry fund into something she'd never heard of—a wrap account.
So… what exactly is a wrap? And when (if ever) should you consider one for your superannuation or investments?
It’s one of the most common retirement questions—how much super is enough? In this episode, we explore how to estimate your retirement needs based on lifestyle, spending habits, and travel plans. You'll walk away with practical tips to start shaping a retirement plan that actually fits you.
With interest rates starting to fall, is there an opportunity to utilise the equity in your home for investment purposes and accelerate your wealth creation?
When we head off on vacation we don't barrel off down the highway,
In this episode, we dive into the debate between active vs. passive management, exploring the claims made by fund managers during a recent teleconference. Is 2025 the year active management finally outperforms passive investments? With decades of data suggesting otherwise, we break down why the odds of success for active managers may not be in their favor—and why sticking with passive investments could still be the smarter choice f...
Wanting to get your head around tax within the superannuation system makes total sense. Our savings accumulate in this regime, however there are restrictions on how we can access the money, and for
With an awareness of the challenges of high house prices and resultant large mortgages, intergenerational wealth transfers - in the form of early inheritances - are happening more and more. So if you find yourself in the fortunate position of receiving an early inhertance, what are the smart moves to put you and your family on the path to financial security, and appropriately honour the hard work that went into the generation of th...
Bitcoin has got a fresh wave of energy since Donald Trump's election win, ...
Australia's superannuation system is undeniably complex, yet it plays a pivotal role in our financial lives. With compulsory contributions mandated by law, the system is designed to ensure that the age pension serves as a safety net for basic living expenses, rather than the primary source of ...
Stock market returns were phenomenal in 2024. But strong returns can plant the seed for an unexpected risk. This risk is known as recency bias. Holding an awareness of recency bias is the ...
A few weeks back in the episode about the S
The desire for passive income frequently comes up as a goal when I speak with new clients. The idea of earning money before we even get out of bed holds obvious appeal.
So this week in the podcast, I thought I'd cover all there is to know about passive income. Where it can be sourced, how you can create it, some of the challenges and misconceptions, tax considerations, and some tips for success.
In this episode we take a look at the most important concept in finance to understand - compounding.
Consistent with most developed nations, Australia provides incentives for people to save for their retirement. Being self-sufficient in retirement reduc...
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