Explorez tous les épisodes du podcast Friends With Money
| Titre | Date | Durée | |
|---|---|---|---|
| Your money resolutions for 2026 | 30 déc. 2025 | 00:15:10 | |
Coming up with financial resolutions for the new year is easy. Setting realistic goals – and following them through – is the real challenge. This week on the Friends With Money podcast, Money's Tom Watson is joined by behavioural economist and psychologist, Phil Slade, to discuss financial goals and the psychology behind goal setting. 00:00 Introduction 01:30 Why resolutions fail 03:02 Reflecting on past goals 05:38 Setting new goals 12:23 Accountability and shared goals 13:40 Conclusion and final thoughts #friendswithmoney #tomwatson #philsalde #financialgoals Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| End of year wrap (2025) | 23 déc. 2025 | 00:15:21 | |
From super scandals to market swings, 2025 certainly kept us on our toes. So before 2026 begins, it’s time to reflect on the year that was. This week on the Friends With Money podcast, Money’s editor-in-chief, Michelle Baltazar, is joined by senior journalist, Tom Watson, to discuss the biggest financial news stories of 2025 and the topics they’ll be watching closely in 2026. 00:00 Introduction 01:30 Biggest financial news events of 2025 09:05 Positive and surprising developments in 2025 11:46 Looking ahead to 2026 14:10 Closing remarks #friendswithmoney #michellebaltazar #tomwatson #financialnews Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Summer travel tips | 16 déc. 2025 | 00:16:38 | |
You’ve booked flights, hotels and activities for your summer trip. But have you considered how you’re going to pay your way? This week on the Friends With Money podcast, Money's Tom Watson is joined by Tristan Dakin, Wise’s Country Manager for Australia and New Zealand, to discuss travel money options and other tips for your summer holiday abroad. 01:42 Choosing the right payment method 04:57 Local or home currency? 07:07 The most expensive ATM withdrawal fees 09:28 Can digital wallets be used everywhere? 11:32 How to keep your money safe 13:44 Final tips 15:51 Conclusion
#friendswithmoney #tomwatson #tristandakin #travel Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Stocks for your stocking 2025 | 09 déc. 2025 | 00:22:23 | |
After a turbulent year for the local market, which Australian stocks could shine in 2026? This week on the Friends With Money podcast, Money's Tom Watson is joined by Dale Gillham, chief investment analyst at Wealth Within, to run through the Australian companies that investors may want to consider adding to their Christmas lists. 00:00 Introduction 02:31 2025 Australian market recap 07:54 Large cap picks for 2026 12:55 The world of micro caps 18:43 Concerns about index funds 21:04 Conclusion #friendswithmoney #tomwatson #dalegillham #shares #investing Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| What is a reverse mortgage? | 02 déc. 2025 | 00:16:48 | |
Rising property values have left many retirees rich on paper but short on cash, so are there options for those looking to utilise their home equity? This week on the Friends With Money podcast, Money's Tom Watson is joined by Chris Grice, chief executive of National Seniors Australia, to discuss reverse mortgages, equity releases schemes and the government-run Home Equity Releases Scheme.
00:00 Introduction 00:28 The 'asset rich, cash poor' dilemma 01:24 Exploring reverse mortgages 07:03 Addressing concerns about reverse mortgages 9:24 Equity release schemes 10:11 Introduction to the Home Equity Access Scheme 13:54 Comparing equity release options 16:02 Conclusion
#friendswithmoney #tomwatson #chrisgrice #reversemortgages #homeequity Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| First home super saver scheme | 25 nov. 2025 | 00:21:01 | |
Ready to start building a deposit towards your first home? The First Home Super Saver Scheme could help you reach your target faster. This week on the Friends With Money podcast, Money's Tom Watson is joined by Derek Gascoigne, private client adviser at UniSuper, to run through the nuts and bolts of the First Home Super Saver Scheme (FHSSS). 00:00 Introduction 00:55 Overview of the First Home Super Saver Scheme 05:40 Eligibility criteria 09:21 How to access your FHSSS contributions 14:36 Planning and important considerations 17:23 Final thoughts and advice 20:15 Conclusion #friendswithmoney #tomwatson #derekgascoigne #superannuation #fhsss Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Christmas survival guide | 18 nov. 2025 | 00:24:15 | |
With the festive season fast approaching it's time to get serious about budgeting, spending and avoiding post-Christmas debt. This week on the Friends With Money podcast, Money's Tom Watson is joined by Sarah Meggison, personal finance expert at Finder, to run through a survival guide and a host of financial tips for the 2025 festive season. 00:00 Introduction 01:05 Financial hurdles of the festive season 02:14 Black Friday: The perfect time for Christmas shopping? 05:55 Budgeting and planning for Christmas expenses 13:37 Avoiding post-Christmas debt 16:50 Are these festive season scenarios faux pas or fair play? 23:16 Conclusion #friendswithmoney #tomwatson #sarahmegginson #christmas Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Inside Super: Understanding "living insurance" | 11 nov. 2025 | 00:16:35 | |
In this episode of the Friends With Money podcast, Money's Michelle Baltazar speaks with Alex Homer, chief customer and brand officer at insurance group TAL, about navigating life and living insurance. They discuss the importance of insurance for younger people, different types of living insurance, and how superannuation funds can help. Alex also shares practical tips for young workers and the self-employed on obtaining and managing insurance. 01:19 Defining life and living insurance 01:54 Understanding living insurance types 05:23 Insurance in superannuation funds 11:02 Practical tips for young workers 14:24 Bonus Round: Superannuation payments for gig workers 15:57 Conclusion and final thoughts Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Super changes and you | 04 nov. 2025 | 00:17:27 | |
A new wave of superannuation changes is on the horizon, so what could they mean for your retirement? This week on the Friends With Money podcast, Money's Tom Watson is joined by Shane Hancock, general manager of retirement at AustralianSuper, to unpack proposed changes to higher super balances and the low income super tax offset (LISTO) and provide an update on payday super. 00:00 Introduction 01:28 Tax changes on higher super balances 05:31 Low Income Superannuation Tax Offset (LISTO) explained 10:44 Payday super update 13:40 The importance of staying informed about super 16:40 Conclusion #friendswithmoney #tomwatson #shanehancock #superannuation Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| What are franking credits? | 28 oct. 2025 | 00:15:46 | |
In this episode of the Friends With Money podcast, Vanessa Walker, managing editor of Money Magazine, delves into the topic of franking credits with Matthew Gibbs, the author of 'Frankly Speaking' in Money Magazine's October issue. Matthew explains the concept of franking credits, how they work, and their implications for shareholders in Australia. He discusses the benefits and potential downsides, highlighting the impact of corporate tax rates and providing examples to illustrate these points. #friendswithmoney #vanessawalker #matthewgibbs #frankingcredits 00:20 Understanding Franking Credits 00:54 Detailed Explanation of Franking Credits 03:56 Tax Implications for Shareholders 07:37 Examples and Calculations 11:52 Potential Changes in Corporate Tax Rates Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| What is an Annuity? | 21 oct. 2025 | 00:21:37 | |
One of the great uncertainties in retirement is how long your savings will need to last. So, could annuities provide an answer? On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Aaron Minney, head of retirement income research at Challenger, to unpack everything annuities. 00:00 Introduction 00:50 What are annuities? 01:33 Understanding how annuities work 04:40 Annuities vs account-based pensions 06:32 Pros and cons of annuities 09:02 Which retirees could annuities suit? 13:23 Sequencing risk and annuities 16:42 Perceptions and awareness 20:20 Conclusion #friendswithmoney #tomwatson #aaronminney #annuities Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Estate Planning Essentials | 14 oct. 2025 | 00:21:15 | |
From superannuation to digital assets, there’s much more to think about with estate planning than just creating a will. On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by William Moore, partner and head of private client advisory at Hall & Wilcox, to run through some of the essential components of estate planning. 00:00 Introduction 01:45 Why you need a will and when to update it 04:51 Power of attorney 08:05 Superannuation and naming beneficiaries 12:17 Digital assets in estate planning 15:04 Tax implications for beneficiaries 18:43 Final Thoughts and Advice 20:28 Conclusion #friendswithmoney #tomwatson #williammoore #estateplanning Podcast Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| The cost of financial procrastination | 07 oct. 2025 | 00:13:36 | |
Procrastination is a bad habit at the best of times, but when it comes to our finances, failing to act can have serious consequences. On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Shayne Sommer, a private wealth adviser at Shadforth Financial Group, to discuss the topic of financial procrastination and the ways in which it can be tackled. 00:00 Introduction 01:37 Common examples of financial procrastination 04:03 Psychological factors behind it 06:10 The consequences of financial procrastination 09:50 Strategies to combat procrastination 11:51 Imbedding good habits 12:45 Conclusion #friendswithmoney #tomwatson #shaynesommer #financialprocrastination Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Should you invest in emerging markets? | 30 sept. 2025 | 00:23:07 | |
Emerging markets have had a strong showing so far in 2025. But is the allure of growth and diversification worth the risk? On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Hugh Lam, investment strategist at Betashares, to take a deep dive into the world of emerging markets. 01:24 Defining emerging markets 04:48 Opportunities in emerging markets 07:12 Risks in emerging markets 08:34 The place of emerging markets in a portfolio 12:50 Recent performance of emerging markets 15:30 China and India: Key markets 19:00 Investment options friendswithmoney #tomwatson #hughlam #investing #emergingmarkets Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Investor secrets: Locating hotspots before they boom | 23 sept. 2025 | 00:15:45 | |
Whatever the asset, investors dream of spotting opportunities before everyone else – and property’s no different. So how can buyers identify hotspots early? On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Abdullah Nouh, founder of Melbourne buyers’ agency Mecca Property Group, to discuss the features that investors may want to look for in a location and individual property. 00:00 Introduction 01:33 Key indicators of growth suburbs 04:24 Spotlight on Melbourne, Perth and Darwin 08:14 Traits of a good investment property 11:38 Additional tips for property investors 14:25 Conclusion #friendswithmoney #tomwatson # abdullahnouh #property #propertyinvesting Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Power-up and profit from solar | 16 sept. 2025 | 00:13:50 | |
In this episode of the Friends With Money podcast, Vanessa Walker hosts an in-depth discussion with journalist Ryan Johnson about the financial aspects of solar energy in Australia. Starting with the government's 2020 renewable energy target, the conversation covers the evolution and uptake of solar panels, the introduction of solar batteries, and the new incentives available. They also delve into innovative energy solutions like virtual energy networks, vehicle-to-grid (V2G) technology, and the impact of electric vehicles on home energy storage. 00:39 The history and impact of solar energy in Australia 03:24 The rise of solar batteries 06:42 Innovative energy solutions and subsidies 10:03 Electric vehicles and energy integration #friendswithmoney #vanessawalker #ryanjohnson #renewables #solar Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Dividend vs growth stocks | 09 sept. 2025 | 00:19:49 | |
Investors often agonise between choosing stocks that can deliver dividends or growth. But is it possible to get the best of both worlds? On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Jonathan Nurick, founder and co-chief investment officer at investment fund DivGro, to discuss all things dividends. 00:00 Introduction 01:26 Understanding dividend and growth stocks 02:36 The advantages of dividend stocks 03:15 The emotional journey of investing 04:52 The Gordon growth model explained 07:00 Identifying good dividend stocks 09:08 Examples of dividend stocks 11:52 Generating income from dividends 14:24 Balancing your investment portfolio 16:28 Final thoughts and tips 18:52: Conclusion #friendswithmoney #tomwatson # jonathannurick #investing #dividends Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Electrify your life! | 02 sept. 2025 | 00:20:11 | |
With power bills rising, could solar, batteries and electrified heating and cooking help households save in the long run? On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Saul Griffith, founder of Rewiring Australia and author of Plug In – The Electrification Handbook, to discuss the opportunities presented by home electrification. 01:44 The journey to writing Plug In - The Electrification Handbook #friendswithmoney #tomwatson #saulgriffith #energy #electrification Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Future-proof your career with AI | 26 août 2025 | 00:11:51 | |
Is AI coming to take your job? In this episode of the Friends With Money Podcast by Money Magazine, managing editor Vanessa Walker and journalist Nicola Field discuss the impact of AI on the job market, focusing on both global and local perspectives. They explore how AI is expected to create more jobs than it eliminates by 2030 and identify roles likely to thrive versus those at risk, characteristics of AI-resistant jobs, and strategies for employees to future-proof their careers. They further discuss the importance of embracing AI-related changes and continuous learning to stay competitive in the evolving job market. 00:47 Impact of AI on global and Australian job markets 02:01 AI in the workplace: Efficiency and human roles 03:24 Benefits of AI for employers 04:29 Future-proofing your career with AI 05:58 Fastest growing and declining jobs 08:06 Educational paths and opportunities in AI #friendswithmoney #vanessawalker #nicolafield #AIjoblosses Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Spring property preview (2025) | 19 août 2025 | 00:12:07 | |
Home prices are rising and interest rates falling, so do buyers or sellers hold the cards leading into the spring property season? On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Dr Nicola Powell, chief of research and economics at Domain, to discuss the latest on property prices and preview the spring property season. #friendswithmoney #tomwatson #nicolapowell #property #spring 00:59 Spring property market preview 01:45 Current property market trends 03:43 Impact of cash rate reductions 05:07 Profits and losses in the housing market 06:17 Spring selling season insights 09:19 Market outlook for 2025 and beyond Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Bonus: Banks react to RBA cut | 17 août 2025 | 00:07:09 | |
The RBA dropped the cash rate once again at its August meeting, so which banks have already passed the cut on to mortgage and savings customers? On this bonus episode of the Friends With Money podcast, Money’s Tom Watson is joined by Graham Cooke, head of consumer research at Finder, to run through the latest home loan and savings changes following the August RBA cut. #friendswithmoney #tomwatson #grahamcooke #rba #mortgages Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Building a solid financial base | 12 août 2025 | 00:17:08 | |
There are many parts to building sturdy financial foundations, but it’s hard to argue against the importance of property in that mix. This week on the Friends With Money podcast, Money’s Tom Watson is joined by financial advisor and author, Helen Baker, to talk about her latest book ‘Money for life’ and the role of property in building financial security. They discuss:
#friendswithmoney #tomwatson #helenbaker #property Email Us: podcast@moneymag.com.au | |||
| Bonus: ASX update & new ETFs | 10 août 2025 | 00:06:34 | |
From mix-ups and records highs to new ETF listings, the past week has been full of action on the ASX. On this bonus episode of the Friends With Money podcast, Money’s Tom Watson is joined by Samy Sriram, market analyst at Stake, to discuss the new exchange traded funds from Betashares and Global X and to provide an update on the performance of the local market. #friendswithmoney #tomwatson #samysriram #asx #etfs Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| The hidden costs of inheritance | 05 août 2025 | 00:19:00 | |
Balancing emotions, managing relationships, making practical financial decisions – dealing with an inheritance isn’t always simple. On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Melody Edwards, a senior financial adviser at Evalesco, to discuss the hidden costs of inheritance and aligning a windfall with your financial goals. 00:00 Introduction 02:52 Emotional and relationship dynamics of inheritances 07:43 Practical advice for managing an inheritance 10:08 Short-term and long-term financial strategies for inheritances 16:32 Final thoughts and tips 18:13 Conclusion and farewell #friendswithmoney #tomwatson #melodyedwards #inheritance Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| AI is about to disrupt how you bank | 29 juil. 2025 | 00:21:35 | |
In this episode of the Friends With Money Podcast, Vanessa Walker, managing editor of Money, interviews Paolo Sironi, a global research leader in banking and finance from the IBM Institute for Business Value, about the transformative impact of AI on the banking sector, its innovations, and the emerging trends of digitalisation, personalisation, communication, and platformisation. They also delve into the risks associated with AI, such as data breaches, and the importance of AI literacy and talent in the banking industry. Sironi provides insights on how Australian banks can stay competitive, especially by focusing on the small and medium-sized enterprises (SME) market, and the need to adapt risk management practices to leverage AI effectively. 00:45 The evolution of banking with AI 04:08 AI and customer security risks 07:32 The rise of agentic AI in banking 10:12 Australian Banks: staying competitive with AI 15:27 Managing risk with AI 18:45 Future innovations and opportunities #friendswithmoney #vanessawalker #paolosironi #aibanking Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Bonus: Beware of ghost tapping! | 27 juil. 2025 | 00:05:40 | |
In this bonus episode of the Friends With Money podcast, Money's Michelle Baltazar chats with David Higgins, CTO at Eftsure, about the alarming rise in a scam known as ghost tapping. Higgins explains what the new scam is, what to watch out for, and how to protect yourself. #friendswithmoney #michellebaltazar #davidhiggins #hackers Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Mid-year market update (2025) | 22 juil. 2025 | 00:16:15 | |
Volatility has been the major theme in investment markets during the first six months of 2025, but is that likely to continue? On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Jonathan Shead, Australian head of investments at State Street Investment Management, to discuss the recent performance of equity and fixed income markets and take a look at the months ahead. 01:52 Volatility, macroeconomics and geopolitics 05:48 Equity market performance 08:54 Fixed income insights 11:06 Gold analysis 13:51 Future forecast #friendswithmoney #tomwatson #jonathanshead #investing #markets Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Bonus: Bitcoin bullet train | 20 juil. 2025 | 00:06:25 | |
Bitcoin has notched yet another record high, but can the bull market continue or will prices come back down to earth?On this bonus episode of the Friends With Money podcast, Money’s Tom Watson is joined by Charlie Sherry, head of finance at BTC Markets, to discuss the latest surge in the price of Bitcoin and the drivers behind it. #friendswithmoney #tomwatson #charliesherry #bitcoin Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Micro-investing | 15 juil. 2025 | 00:15:58 | |
Interested in the idea of investing regularly, but don’t have tons of cash to contribute? Micro-investing could be the solution. This week on the Friends With Money podcast, Money’s Tom Watson is joined by Kylie Purcell, investments analyst at Finder, to run through the ins and outs of micro-investing. They discuss:
#friendswithmoney #tomwatson #kyliepurcell #microinvesting Email Us: podcast@moneymag.com.au | |||
| Bonus: The RBA's July surprise | 13 juil. 2025 | 00:06:15 | |
The RBA handed down a surprise cash rate decision on Tuesday, so why were rates held and what could be in store next month? On this bonus episode of the Friends With Money podcast, Money’s Tom Watson is joined by Paul Bloxham, HSBC’s chief economist for Australia and New Zealand, to discuss the fallout from the RBA Monetary Policy Board’s July meeting. Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Making money from your spare bedroom | 08 juil. 2025 | 00:12:05 | |
In this episode of the Friends with Money podcast, we explore the housing crisis in Australia and how renting out spare bedrooms could help provide more affordable housing. Money's Ryan Johnson joins host Managing editor, Vanessa Walker, to discuss the housing shortfall in Australia. They talk about the factors contributing to the crisis, including lagging construction and policies that favour investors over first-time buyers. Ryan explains how the 13 million unused spare bedrooms across Australia are an untapped resource that could help ease supply constraints. We learn who owns these spare rooms, the barriers keeping them from renting them out, and how policies could incentivise making better use of this latent housing supply. Key Takeaways: 2:30 - There is a 250,000 home shortfall between housing needed and current supply. Construction isn't keeping pace with demand. 5:15 - Older Australians own most of the 13 million unused spare bedrooms, often in large, empty nest homes. 8:00 - Emotional barriers like safety concerns and desire for privacy have kept seniors from renting out rooms. 10:30 - Clarification on how capital gains tax applies when renting out part of a home. 13:00 - How rental income affects pensions - calls for policy tweaks to incentivise room rentals. 15:30 - Bank now counts rental income toward mortgage eligibility. To learn more about Australia's housing crisis and the spare bedroom solution, be sure to listen to this insightful episode! #friendswithmoney #vanessawalker #ryanjohnson #housingcrisis #sparebedroom Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Bonus: Trump's tariffs and you | 07 juil. 2025 | 00:07:25 | |
In this bonus episode of the Friends With Money Podcast, Michelle Baltazar, editor-in-chief of Money magazine, chats with Stephen Dover, chief market strategist at global fund manager Franklin Templeton, which manages more than $2.35 trillion in assets globally. They explore the implications of the 'Big Beautiful Bill'—a significant tax bill aimed at reducing dependence on imports, boosting jobs, and fostering economic growth through tax cuts and regulatory changes. They also discuss how Trump's new tariffs could impact Australian investors. #friendswithmoney #michellebaltar #stephendover #trumpstariffs Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Ways to maximise your age pension | 01 juil. 2025 | 00:10:36 | |
The age pension can be a crucial part of the financial mix in retirement, but many retirees aren’t unlocking its full potential. On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Andrew Dinsdale-Scanlon from TelstraSuper Financial Planning to run through the financial strategies that could help Australians maximise their age pension entitlements. 00:00 Introduction 00:41 Overview on maximising the age pension 01:48 Strategies to reduce assets 03:31 Spousal contributions 05:13 Understanding lifetime pensions 08:07 The impact of debt on the age pension 09:49 Conclusion #friendswithmoney #tomwatson #andrewdinsdalescanlon #agepension #superannuation Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR *Proudly brought to you by Telstra Super Disclaimer: | |||
| Bonus: RBA rate cut | 26 juin 2025 | 00:05:14 | |
Curious about the latest Consumer Price Index data and its impact on interest rates? Join Money's Michelle Baltazar and Ivan Calhoun, chief economist at Creditor Watch, on our bonus Friends With Money podcast episode. Get the latest on the recent CPI numbers and the upcoming RBA’s rate decision. Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Generate a stable income in volatile markets | 24 juin 2025 | 00:17:00 | |
In volatile markets, is there anywhere you can safely invest your hard-earned cash? In this episode of the Friends With Money Podcast, Michelle Baltazar, editor-in-chief of Money Magazine, discusses the concept and benefits of Global Private Credit with Nehemiah Richardson, chief executive and managing director at Pengana Credit. The discussion centers around why diversification, especially in financial uncertain times, is important and how Global Private Credit can offer attractive investment opportunities. They also touch on how retail investors can access this asset class and introduce Pengana's TermPlus product. 00:19 Market whiplash and diversification 00:56 Understanding Global Private Credit 01:51 Investment characteristics and benefits 04:14 Risk mitigation and manager selection 06:17 Local vs. global private credit 10:12 Innovations in global private credit 10:56 TermPlus: A new investment product 14:37 Final thoughts and advice #friendswithmoney #michellebaltazar #nehemiahrichardson #pengana #globalprivatecredit Links: https://termplus.com.au/ Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR **Proudly brought to you by Pengana Capital Pengana Capital Limited (Pengana) (ABN 30 103 800 568, AFSL 226 566) is the issuer of units (Term Accounts) in TermPlus (ARSN 668 902 323). Any advice provided is general in nature and does not take into account your particular objectives, financial situation or needs. You should consider the PDS and TMD available at www.termplus.com.au before investing in TermPlus. For further details, please see the Important Information page at www.termplus.com.au/important-information/.
| |||
| Bonus: NBN update | 22 juin 2025 | 00:07:16 | |
In this bonus episode of the Friends with Money Bonus Podcast, Vanessa Walker from Money Magazine interviews Jane McNamara of NBN about the upcoming accelerated speed plans starting in September. Jane discusses how these changes will benefit the growing number of connected devices in Australian homes and offers advice on leveraging end-of-financial-year sales to upgrade plans or in-home equipment. Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Be super curious | 17 juin 2025 | 00:14:27 | |
From finding unclaimed money to benefiting from financial advice, there’s plenty of upside to taking a curious approach to super. On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Sarah Forman, chief retirement officer at Team Super, to discuss the benefits of taking an active interest in super (and how to get started). 00:00 Introduction 01:27 Three things every super member should know 04:02 Insurance and superannuation 05:32 Practical tips for managing super 08:01 The role of financial advice 10:46 Making superannuation relatable 13:03 Conclusion #friendswithmoney #tomwatson #sarahforman #superannuation Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR *This podcast is proudly brought to you by Team Super. Sarah Forman is the Chief Retirement Officer of Team Super. Issued by Team Super Pty Ltd ABN 70 003 566 989 AFS licence 246864 as Trustee for the Team Superannuation Fund ABN 16 457 520 308. Any financial advice in this podcast does not take into account your financial situation, needs or objectives. Before acting, consider if the information is right for your needs and circumstances and read the relevant Product Disclosure Statement (PDS) at teamsuper.com. The Target Market Determinations for our financial products can be found at teamsuper.com/tmd. Financial planning services are provided by Team Super Financial Advice a trading name of Team Super Services Pty Ltd ABN 49 051 315 014 AFS licence 502700 and is a wholly owned subsidiary of Team Super Pty Ltd. | |||
| Bonus: Energy stocks to watch | 15 juin 2025 | 00:08:09 | |
After a shock bid pushed Santos shares up 27%, podcast host Michelle Baltazar chats with investment expert Dale Gilham on why investors may be turning their sights on the appeal of Whitehaven Coal and Woodside shares. Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Healthy financial relationships | 10 juin 2025 | 00:19:20 | |
Money can really complicate relationships. On this episode of the Friends With Money Podcast, hosted by Money's Vanessa Walker, writer Nicola Field discusses ways to have healthy financial relationships, even when things go wrong. They explore how to maintain healthy financial relationships, the realities and statistics of marriage and divorce in Australia, and key factors like transparency, communication, and financial goals in relationships. Field emphasises the importance of financial binding agreements, managing finances together, and strategies for protecting and distributing assets and inheritances. 00:19 Exploring Money and Relationships 01:22 The Reality of Relationship Longevity 02:34 Positive Financial Signs in Relationships 03:27 Red Flags in Financial Relationships 04:22 Understanding De Facto Relationships 05:30 Protecting Yourself Financially in Relationships 07:15 Managing Finances as a Couple 08:41 Superannuation and Family Dynamics 10:37 Navigating Separation and Divorce 12:46 Blended Families and Financial Protection 14:59 Designing an Inheritance #friendswithmoney #vanessawalker #nicolafield #relationships Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Tax Time (2025)! | 03 juin 2025 | 00:15:03 | |
The 2024-25 financial year is almost over, which means tax time is just around the corner. So what can taxpayers do to prepare? On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Mark Chapman, director of tax communications at H&R Block, to discuss key tax dates, contributions, deductions, documents and more. 00:00 Introduction 00:28 Key dates for the 2025 tax season 03:08 The taxpayers under ATO scrutiny 05:39 Last-minute deductions and contributions 10:41 Preparing for the new financial year 12:15 Upcoming tax changes and final thoughts #friendswithmoney #tomwatson #markchapman #tax Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Bonus: Energy price hikes & saving tips | 01 juin 2025 | 00:08:01 | |
In this bonus episode of the Friends With Money Podcast, Money's Michelle Baltazar talks with Janine Young, Ombudsman at Energy and Water Ombudsman New South Wales, about effective strategies to manage and reduce winter energy bills. The discussion includes insights on recent energy price hikes, understanding market contracts, and tips for finding the best energy deals. 01:43 Understanding energy price increases 04:18 Tips to save on your energy bill 06:19 Affordability programs and final tips 07:30 Conclusion and contact information #friendswithmoney #michellebaltazar #janineyoung #energycosts Story link: https://www.moneymag.com.au/how-to-get-your-energy-bills-ready-for-winter Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Boost your earning power | 27 mai 2025 | 00:23:22 | |
Feeling stuck in your career and wondering if you should be earning more? Are there steps you can take today to boost your future prospects? This week on the Friends With Money podcast, Money's Michelle Baltazar chats with employment expert and author Roxanne Calder about how you can improve your salary and career opportunities.
#friendswithmoney #michellebaltazar #roxannecalder #gendergap Email Us: podcast@moneymag.com.au | |||
| Retirement and the family home | 20 mai 2025 | 00:10:24 | |
On this episode of the Friends With Money Podcast, we delve into how the family home can play a critical role in retirement planning for older Australians Money's Vanessa Walker chats with Telstra Super's Rebecca Cheevers and Sophie McRae about downsizing contributions, the impact of selling your home on pension entitlements, and strategies for couples where one partner is still working. They also explore the benefits and drawbacks of reverse mortgages and the Home Equity Access Scheme for retirees. 00:15 Exploring the role of the family home in retirement 01:00 Downsizing and super contributions 03:34 Impact on age pension and financial strategies 05:54 Home equity access schemes and reverse mortgages 07:56 Using the family home for aged care #friendswithmoney #vanessawalker #rebeccacheevers #sophiemcrae #familyhome Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR *Proudly brought to you by Telstra Super Disclaimer: Rebecca Cheevers and Sophie McRae are financial advisers with Telstra Super Financial Planning Pty Ltd ABN 74 097 777 725 AFS Licence No. 218705. TelstraSuper Financial Planning provides financial advice service to members of TelstraSuper ABN 85 502 108 833. Telstra Super Pty Ltd ABN 86 007 422 522 is the trustee of TelstraSuper and wholly owns TelstraSuper Financial Planning. Advice that Rebecca or Sophie gives is of a general nature and does not take into account the particular circumstances or needs of any specific person and because of that, you should consider your own circumstances before acting on any advice . Additionally, the scenarios discussed are based on the relevant superannuation rates and thresholds for 2024/25 and may change in future years. If you are considering acquiring a financial product from TelstraSuper you should read the relevant product disclosure statement and target market determination before making a decision which are available at www.telstrasuper.com.au. The financial services guide for TelstraSuper Financial Planning is available at www.telstrasuper.com.au
| |||
| Paul Clitheroe: Are you recession-ready? | 13 mai 2025 | 00:19:16 | |
Market jitters got you worried? Tune into the Friends With Money podcast as Money's Michelle Baltazar and Money magazine founder Paul Clitheroe unpack recession-proof investing strategies. Discover how to safeguard your savings and investments, the power of diversification, and why a cool head can be your best asset. Paul also shares his expert perspective on historical market cycles and actionable tips for weathering economic storms. 00:20 Recession proof investing: can we protect our savings? 00:41 Market volatility and historical perspectives 02:57 The importance of common sense in investing 05:51 Global population growth and economic demand 07:42 Recession proof strategies and personal experiences 14:17 Final thoughts and practical advice Link: https://www.worldometers.info/ #friendswithmoney #michellebaltazar #paulclitheroe #recession Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| You're retired, now what? | 06 mai 2025 | 00:18:08 | |
So you’re retired, what now? In this episode of the Friends with Money podcast, Money’s Michelle Baltazar is joined by Adam Nettheim, chief customer officer at Commonwealth Superannuation Corporation (CSC). They discuss the transition from traditional retirement planning to a more holistic approach, integrating both digital and human elements, early retirement coaching, and understanding the continuum of retirement. They also explore the importance of financial and emotional preparedness, the role of super funds as retirement partners, and practical advice for current and future retirees. 00:56 Exploring global retirement trends 03:18 Retirement planning for Australians 06:21 Becoming a retirement partner 11:54 Practical tips for a successful retirement Links: worldometers.info #friendswithmoney #michellebaltazar #adamnettheim #retirement Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR *Proudly brought to you by Commonwealth Superannuation Corporation (CSC) | |||
| Navigating turbulent markets | 29 avr. 2025 | 00:19:07 | |
The current stock market is turbulent – what's the smartest way to safeguard your investments? In this week's episode of the Friends With Money Podcast, Money Magazine's Michelle Baltazar chats with Juliana Rajkovic, investment advisor at Escala Partners, about managing investment portfolios during these uncertain times. They explore the market shocks sparked by U.S. tariffs, the crucial practice of stress-testing and rebalancing, and strategies for incorporating defensive assets such as fixed income and gold. They also delve into how economic changes are influencing various asset classes, including global and Australian shares, property, and private debt. 00:00 Friends with Money podcast open 00:20 Meet Juliana Rajkovic, investment advisor at Escala Partners 01:23 Market uncertainty and volatility 02:15 Recession forecasts and portfolio rebalancing 06:37 Defensive assets and fixed income 09:37 Exploring private debt and credit strategies 11:04 Australian equities and property investments 14:47 Currency considerations and final advice 17:45 Recap and closing remarks
#friendswithmoney #michellebaltazar #julianarajkovic #stockmarket Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR | |||
| Super smart: How to save big on fees | 22 avr. 2025 | 00:17:32 | |
On this episode of the Friends With Money podcast, we tackle the confusing world of superannuation fees. Money's Michelle Baltazar talks with Daniel Shrimski from Vanguard Australia about how a lack of transparency and awareness around these fees can hurt people’s retirement savings. Shrimski shares practical tips and provides an example on how to potentially save $1,500 each year on fund fees. 00:00 Introduction 00:20 Understanding superannuation fees 00:58 Guest introduction: Daniel Shrimski 01:53 Vanguard Australia's role in superannuation 02:06 The fund with 50 million investors 03:08 The six types of super fees 06:57 Reading your superannuation statement 09:00 Pushing for transparency 11:51 Are you overpaying? 14:00 The average super fund fee 15:31 Conclusion and final thoughts
#friendswithmoney #michellebaltazar #danielshrimski #supersavings
Links: Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR *Proudly brought to you by Vanguard Australia | |||
| Tools to turbocharge your super | 15 avr. 2025 | 00:14:26 | |
Many will appreciate the importance of retirement planning, but getting started can feel daunting. Fortunately, technology is helping to change the game. This week on the Friends With Money podcast, Money’s Tom Watson is joined by Jeremy Lack, financial adviser with TelstraSuper Financial Planning, to chat about the emerging digital tools assisting superannuation members with retirement planning. They discuss:
#friendswithmoney #tomwatson #jeremylack #superannuation Email Us: podcast@moneymag.com.au *This episode is proudly brought to you by Telstra Super.
Jeremy Lack is a financial adviser with Telstra Super Financial Planning Pty Ltd ABN 74 097 777 725 AFS Licence No. 218705. TelstraSuper Financial Planning provides financial advice service to members of TelstraSuper ABN 85 502 108 833. Telstra Super Pty Ltd ABN 86 007 422 522 is the trustee of TelstraSuper and wholly owns TelstraSuper Financial Planning. Advice that Jeremy gives is of a general nature and does not take into account the particular circumstances or needs of any specific person and because of that, you should consider your own circumstances before acting on any advice . If you are considering acquiring a financial product from TelstraSuper you should read the relevant product disclosure statement and target market determination before making a decision which are available at www.telstrasuper.com.au. The financial services guide for TelstraSuper Financial Planning is available at www.telstrasuper.com.au | |||
| What's the deal with crypto ETFs? | 08 avr. 2025 | 00:20:10 | |
Cryptocurrency has piqued the interest of many Australians in recent years. So for those looking to access the likes of Bitcoin, is there any advantage to using ETFs over buying directly? This week on the Friends With Money podcast, Money’s Tom Watson is joined by Marc Jocum, senior investment strategist at Global X ETFs, to dig into cryptocurrency exchange traded funds and what they are all about. They discuss:
friendswithmoney #tomwatson #marcjocum #cryptocurrency #ETFs Email Us: podcast@moneymag.com.au | |||
| Bonus: Trump's tariffs | 02 avr. 2025 | 00:06:23 | |
In this bonus episode of the Friends With Money Podcast, hosted by Michelle Baltazar, editor-in-chief at Money Magazine, the focus is on the impact of recent US tariff policies, referred to as 'Liberation Day' by Donald Trump. This week's guest, Tim Harcourt, chief economist at the University of Technology Sydney, discusses the adverse effects these tariffs will likely have on American workers and farmers, despite Trump's intentions to bolster the US economy. For Australian investors, Harcourt advises a cautious 'wait-and-see' approach and emphasises the long-term strengths of the Australian market. #friendswithmoney #michellebaltazar #timharcourt #trumptariffs Email Us: podcast@moneymag.com.au | |||