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Explore every episode of the podcast Friends With Money

Dive into the complete episode list for Friends With Money. Each episode is cataloged with detailed descriptions, making it easy to find and explore specific topics. Keep track of all episodes from your favorite podcast and never miss a moment of insightful content.

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TitlePub. DateDuration
Your money resolutions for 202630 Dec 202500:15:10

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


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End of year wrap (2025)23 Dec 202500:15:21

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

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What is an Annuity?21 Oct 202500:21:37

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

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The emotional rollercoaster of your finances14 May 202400:17:48

Did you know emotions can get in the way of how well you manage your money? Being aware of the money lessons you learned during childhood, and the feelings that come up around finances when you think or talk about them, can be a great first step towards taking control of your finances and creating real wealth.

This week on the Friends with Money podcast, Money’s Joanna Tovia is joined by financial advisor Dawn Thomas from The Wealth Designers to talk about how to improve your relationship with money.

  • How do emotions get in the way of sound money management?
  • Why are feelings of guilt, shame and apathy so common when it comes to money?
  • Why it’s important to celebrate the things we’ve done right with our money
  • What a healthy relationship with money looks like
  • 5 tips to better manage your money

 #friendswithmoney #psychology #wealth #family

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Budget 2024: Will Aussies get relief?07 May 202400:15:14

The 2024 Federal Budget is less than a week away, so what can we expect to see in the way of cost of living relief and other measures from the government?

That's the topic of discussion on this episode of the Friends With Money podcast featuring host Tom Watson and deputy chief economist at AMP, Diana Mousina.

  • What is the economic backdrop to the 2024 federal budget?
  • Is the government likely to provide further cost of living relief?
  • Could any new housing affordability measures be included?
  • Will there be any superannuation or tax changes?

#friendswithmoney #tomwatson #dianamousina #federalbudget

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Money saving tips for travel30 Apr 202400:15:41

Since Covid restrictions eased, we have been traveling overseas more than ever.

But when budgets are tight, how can we save money and still have the holiday we've been dreaming of?

This week on the Friends With Money Podcast, Money's Michelle Baltazar chats with Tristan Dakin, ANZ Country Manager at Wise, about saving hundreds of dollars on travel costs.

  • The real cost of cross-currency expenses 
  • Avoiding ATM fees
  • Is pre-paying an option?
  • Best way to pay when overseas
  • Top tips to save when travelling

#friendswithmoney #michellebaltazar #tristandakin #traveltips

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Tax time tidy up: get your super in shape23 Apr 202400:15:01

The end of the financial year is fast approaching, so is now the time to check in on your super and consider an extra contribution?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Renae Anderson, manager of select advice at UniSuper, to chat about the super moves worth considering before and after July 1. They discuss:

  • When and how to make a personal contribution
  • Whether it’s possible to top up a spouse or partner’s super
  • The new super guarantee rate in 2024-25
  • Advice for women looking to boost their super balances
  • The range of advice available from super funds

#friendswithmoney #tomwatson #renaeanderson #superannuation

This episode is brought to you by UniSuper.

Links:

For calculators: Superannuation calculators & tools | UniSuper

For upcoming webcasts: UniSuper Learning Hub (on24.com)

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The information in this podcast is of a general nature and doesn’t consider your personal circumstances. Before making decisions, you should consider whether the information is appropriate for your circumstances otherwise seek financial advice.

Dreams to dollars: Building your money plan16 Apr 202400:15:39

Whether it’s purchasing a home or paying off credit card, we all have financial goals we want to achieve, but seeing them through is not always the easiest of tasks.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Mohamed Khalil, head of financial wellbeing, research and design at ANZ, to discuss the psychology behind goals and the steps we can take to set, progress and achieve them.

  • How should people approach setting a goal?
  • Why can utilising the Fresh Start Effect be helpful?
  • Is it important for goals to have a specific end date?
  • How can automation help people progress their financial goals?
  • Is it important for goals to have a purpose?

#friendswithmoney #tomwatson #mohamedkhalil #financialgoals

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Unlock your "super" power: Investment choices09 Apr 202400:11:27

Have you thought about how your super is invested? Taking the time to consider, and even adjust, your investment settings could impact your balance down the track.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Jeremy Lack from TelstraSuper Financial Planning to discuss picking an investment option in your superannuation.

  • How do super funds invest?
  • What investment options can members choose from?
  • How can super holders get their investment mix right?
  • What kind of impact can investment options have come retirement?
  • Where can super members go for guidance?

 #friendswithmoney #tomwatson #jeremylack #superannuation

This episode is brought to you by TelstraSuper.

 

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Disclaimer:

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

Riding the RBA Rate Waves02 Apr 202400:12:51

Interest rates have reached a peak. At least, that’s the consensus among many experts who expect rates to start to fall in the near future. So how can borrowers and savers prepare?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Rachel Wastell, personal finance expert at financial comparison website Mozo, to discuss the possible timing and impact of any future rate cuts.

  • What is the Reserve Bank saying?
  • When are economists expecting rates to fall?
  • Are banks already adjusting their rates in anticipation?
  • Is there anything mortgage holders can do to prepare?
  • What should savers consider doing now?

#friendswithmoney #tomwatson #rachelwastell #interestrates

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What is a margin loan?26 Mar 202400:15:04

Ever wondered if it’s possible to take out a loan to build your share portfolio? After all, investment loans are common place in property investing.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Lily Elliott, head of margin lending specialists Leveraged, to discuss the ins and outs of margin loans.

    • How are margin loans different from other loans?
    • What kind of equities can be purchased with a margin loan?
    • How much can investors borrow, and what determines that?
    • When and how do investors pay the loan back?
    • What are the potential risks and benefits involved?


#friendswithmoney #tomwatson #lilyelliott #investing #marginloans

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Getting the best mobile and internet deals19 Mar 202400:18:32

Home internet and mobile plans may have become part and parcel of everyday life, but that doesn’t mean you need to be paying over the odds to stay connected.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by the managing editor of WhistleOut Australia, Alex Choros, to discuss getting a better deal on your broadband and mobile phone plans.

  • Who are the different providers?
  • How do mobile networks and the NBN work?
  • What are the most important features when comparing plans?
  • What are some of the cheapest mobile and internet deals around?
  • Which providers are offering the best value plans?
  • How can Australians stay connected while travelling overseas?

#friendswithmoney #tomwatson #alexchoros #broadband #mobile

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Stop subconsciously sabotaging your financial goals12 Mar 202400:17:32

When it comes to online shopping, we've quickly become experts at undermining our long-term financial goals.

Making better decisions that prevent us from going further into debt and increase our overall cashflow is the key to getting what we want.

This week on the Friends With Money podcast, Money's Michelle Baltazar chats with financial educator, The Broke Generation podcast host, and author Emma Edwards about the 3 ways you can start to improve your spending habits.

  • The importance of financial psychology
  • Slow down your purchase decisions
  • The good, bad, and ugly of buy-now-pay-later
  • Stick to your budget, but you can have several

Link:

Go to moneymag.com.au for your chance to win one of Emma's new books

#friendswithmoney #michellebaltazar #emmaedwards #goodwithmoney #thebrokegeneration

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Estate Planning Essentials14 Oct 202500:21:15

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

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Stage 3 tax cuts explained05 Mar 202400:12:00

Australians are set to pay less income tax from July this year, so what’s changed and who will benefit the most?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by the director of tax communications at H&R Block, Mark Chapman, to discuss the revamped stage three tax cuts.

  • Why were the stage three tax cuts proposed in the first place?
  • What did the original stage three cuts look like?
  • What changes has the government made, and why?
  • How much money can taxpayers expect to save?
  • How quickly will people notice a difference in their pay?

#friendswithmoney #tomwatson #markchapman #tax

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5 ways to get into the property market27 Feb 202400:26:38

With prices soaring above a million dollars, breaking into the property market is a daunting quest.

If you're just starting out, Is there a way to own your own home, or is it mission impossible?

This week on the Friends With Money Podcast, Money's Michelle Baltazar chats with John Pidgeon, author of Sort Your Property Out & Build Your Future, about overcoming the challenges of the current market.

  • Is there a perfect time to enter the market?
  • How do you save for a deposit?
  • What you can buy now vs your forever home
  • Five tips to achieve your goals

#friendswithmoney #michellebaltazar #johnpidgeon #propertyinvestment

Enter now for your chance to win one of the ten copies of John Pidgeon's Book

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Top performing ETFs of 202320 Feb 202400:17:42

Australian investors poured billions of dollars into exchange-traded funds during 2023, but which ETFs returned favour with the best performance?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Cameron Gleeson, senior investment strategist at Betashares, to chat about the performance of the ETF market in 2023 and look forward to the trends emerging in 2024.

  • What’s driven the appetite for ETFs in the last decade?
  • What made fixed-income ETFs so appealing last year?
  • What are the most popular ETFs on the market?
  • Which ETFs were the best performers in 2023?
  • Are there any ETF trends worth keeping an eye on in 2024?

#friendswithmoney #tomwatson #camerongleeson #investing

Read more about the 2023 Australian ETF review from Betashares. 

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Retirement income strategies13 Feb 202400:10:25

Retirees will naturally want to make the most of their super come retirement, so what kind of income strategies can they employ to ensure their nest egg lasts the distance?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Caroline Rees of TelstraSuper Financial Planning to chat retirement income strategies.

  • How should retirees think about longevity?
  • Is expenditure likely to change throughout retirement?

  • What kind of retirement income strategies can people employ?
  • How can retirees deal with volatility?

#friendswithmoney #tomwatson #carolinereese #superannuation

This episode is brought to you by TelstraSuper.

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Caroline Rees 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 .

Top property picks for 202406 Feb 202400:13:43

Higher than expected price growth surprised many experts last year, but how will the property market perform in 2024?

This week on Friends With Money, host Tom Watson is joined by Terry Ryder, managing director of Hotspotting, to dig into the standout property locations around the country for 2024.

  • How did property markets perform in 2023?
  • What will drive property prices in 2024?
  • What are the standout locations for growth?
  • Will property prices fall anywhere?

#friendswithmoney #tomwatson #terryryder #property

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3 hot megatrends for smart investors in 202430 Jan 202400:19:01

2024 is heating up to be a great year to invest in the stock market!

What are the hot stocks you should be paying attention to?

This week on the Friends With Money Podcast, Money's Michelle Baltazar chats with Jess Amir, MooMoo's Market Strategist, about her top tips on what to watch out for in 2024.

  • Simple ways to start investing
  • Ways to educate yourself on the stock market
  • Megatrends for 2024

#friendswithmoney #michellebaltazar #jessamir #moomoo

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Investing by colours23 Jan 202400:19:14

What type of investor are you? To get the best return on investment, you need to know!

This week on the Friends With Money podcast, by popular demand, Money's Michelle Baltazar chats with Money's investment guru, podcaster, and author, Marcus Padley, about defining investor types by colour.

  • What colour are you?
  • Beware the red zone
  • True blue is probably you

#friendswithmoney #colour #invest #michellebaltazar #marcuspadley

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Billionaire Masterclass16 Jan 202400:18:31

If you want to know how to make and invest lots of money, one of the best ways is to learn from someone who built their fortune and became a billionaire.

In this special edition of the Friends With Money Podcast, Money's Michelle Baltazar chats with Ken Fisher, the billionaire founder and executive chair of Fisher Investments, about the best way to build your financial future.

• What's the best way to start investing?
• Think globally
• Will there be a recession?

@FisherInvestAU

@KennethLFisher

#friendswithmoney #billionaire #advice #michellebaltazar #kenfisher

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How to invest in cybersecurity09 Jan 202400:10:52

According to the World Economic Forum, cybercrime is the fifth most pressing concern for the global economy.

Governments worldwide are spending hundreds of millions to combat lone-wolf hackers and nation-states.

Sounds like an investment opportunity, right?

This week on the Friends With Money Podcast, Money's Michelle Baltazar speaks with Jess Leung, portfolio manager at Global X ETFs, about how you can invest in the cybersecurity sector.

  • What is cybersecurity?
  • Hacking and scams are on the rise!
  • Is this a fad or a growth stock?

#friendswithmoney #cybercrime #invest #michellebaltazar #jessleung

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New Year's resolution ideas to kick off 202402 Jan 202400:18:47

Happy New Year!

What will you do in 2024 to improve your financial health?

This week on the Friends with Money podcast, Money's Michelle Baltazar chats with author and Comm Bank personal finance expert Jess Irvine about ideas you can implement to improve your finances.

  • Quick wins!
  • Resolutions for the year
  • Ideas that never really work

#friendswithmoney #2024 #resolutions #michellebaltazar #jessirvine

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The cost of financial procrastination07 Oct 202500:13:36

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

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Reduce your carbon footprint26 Dec 202300:13:12

Aussie banks are increasingly rolling out personalised carbon insights to their app users. But what are carbon footprints, and do they matter?

This week on Friends With Money, host Tom Watson is joined by Rachel Alembakis, Managing Editor of FS Sustainability, to chat all things carbon footprints.

  • What is a carbon footprint?
  • Do carbon footprints even matter at an individual level?
  • How can we reduce our carbon footprints?
  • Can our superannuation choices impact our footprints?

#friendswithmoney #carbonfootprints #tomwatson #rachelalembakis

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Stocks for your stocking19 Dec 202300:16:12

2023 has been a bit of a mediocre year for the Australian market, but could 2024 prove brighter?

This week on the Friends With Money podcast, host Tom Watson is joined by chief investment analyst at Wealth Within, Dale Gillham, to chat about the Australian stocks that could shine bright next year. They discuss:

  • How the Australian market has performed in 2023
  • Why 2024 could be a better year
  • The blue chip stocks to keep an eye on
  • A smaller company worth watching 

#friendswithmoney #tomwatson #dalegillham #investing

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Unlocking the profit of fixed income12 Dec 202300:16:15

Back by popular request!  You wanted to know more about Bonds and how to unlock the profit of fixed-income assets - and we deliver!

This week on the Friends With Money podcast, Money's Michelle Baltazar chats with Alex Moffatt, Director at Joseph Palmer & Sons, about the benefits and profit of adding Bonds to your portfolio.

  • Back to basics
  • Bonds are back in the black
  • Is there an easy way to invest in bonds?

#friendswithmoney #fixedincome #michellebaltazar #bonds

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Beware of the finfluencer05 Dec 202300:08:01

Did you know many Australians get their investment advice from social media finfluencers?  It's a frightening fact.

A recent ASIC (Australian Securities & Investment Commission) conference determined that most of those giving financial advice online are both unqualified and unlicensed.

This week on the Friends With Money podcast, Money's Michelle Baltazar chats with Rhys Bollen, Senior executive leader of ASIC’s market supervision team, about the potential dangers of getting investment advice from social media.

  • What is ASIC?
  • What influence does social media have on investors?
  • How can you protect yourself?

Links:

Moneysmart.com.au

ASIC Website

#friendswithmoney #finfluencer #warning #michellebaltazar #rhysbollen

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Get ready, get set, retire!28 Nov 202300:19:48

It may seem like a long time off, but are you ready for retirement?

Planning for the future now will save you a lot of stress and frustration when you finally decided to leave the workforce.

This week on The Friends With Money podcast, Money's Michelle Baltazar chats with Money's Senior writer & columnist, Vita Palestrant, about what you need to consider well before your last day on the job.

  • When should you start planning for retirement?
  • Steps to take 10 years before you retire
  • Can downsizing help top up your super?
  • What kind of retirement do you want?

#friendswithmoney #retirement #michellebaltazar #vitapalestrant

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Digging into gold21 Nov 202300:19:40

It’s often described as the safe-haven asset, but what makes gold so desirable to everyone from central banks to everyday investors?

On this episode of the Friends With Money podcast, Money's Tom Watson is joined by chief market strategist at the World Gold Council, Joe Cavatoni, to dig into some of the big questions surrounding investing in gold.

  • What are the major drivers of demand for gold?
  • Why do central banks hold gold?
  • How has gold performed in times of economic uncertainty?
  • What could happen to gold prices if interest rates fall?
  • How can an allocation of gold benefit someone’s portfolio?

#friendswithmoney #investing #gold #tomwatson #joecavatoni

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Getting your first home loan14 Nov 202300:19:13

Gearing up to buy your first home? Chances are you’ve got a question or two about the process of taking out a mortgage.

On this episode of the Friends With Money podcast, Money's Tom Watson is joined by Daisy Stevens, head of lending operations at digital mortgage broker Finspo, to run through the home loan process for first home owners.

  • Is reducing spending or paying off debt important?
  • How long can the process take?
  • What information will borrowers need to provide?
  • How do banks work out how much someone can borrow?
  • What is pre-approval and how long does it last?

#friendswithmoney #mortgages #firsthomebuyers #tomwatson #daisystevens

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Banking just got personal07 Nov 202300:17:30

Open banking is giving Australians the ability to share their banking data more securely and with fewer hurdles, but can it save people money?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by head of product management at Frollo, Kris Davant, to explore the possibilities of open banking.  

  1. What is open banking?
  2. How is open banking data kept private and secure?
  3. How can Australians save money through open banking?
  4. What will we see from open finance in the future?

#friendswithmoney #openbanking #tomwatson #krisdavant

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Bonus: could oil prices double?05 Nov 202300:08:18

Global tensions in the Middle East have raised concerns that oil costs could spike, possibly doubling in price in the coming months.

How will this affect the cost of living?

This week on a bonus episode of the Friends With Money podcast, Money's Michelle Baltazar chats with Shane Oliver, Head of Investment Strategy and Chief Economist at AMP, about the predicted rise in oil prices as the Israel-Hamas conflict intensifies.

#friendswithmoney #costofliving #oil #shaneoliver #michellebaltazar

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Growth vs dividend stocks31 Oct 202300:17:44

Wondering if your investment strategy should be geared towards income, growth or both?

On this episode of the Friends With Money podcast, Money's Tom Watson is joined by Adam Smith, chief executive at Saxo Australia, to discuss the pros and cons of growth and dividend stocks.

  • What are growth and dividend stocks?
  • Is it possible to have the best of both worlds?
  • Does one come with more risk than the other?
  • Can ETFs provide exposure to high growth or dividends?

#friendswithmoney #investing #tomwatson #adamsmith

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Should you invest in emerging markets?30 Sep 202500:23:07

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

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Super by the numbers24 Oct 202300:19:30

How much money do you need to retire?  It's a question we get a lot here at Money Magazine - I mean a lot!

The latest numbers are out from The Association of Superannuation Funds of Australia (ASFA) on how much you need in your super account to retire well.

This week on the Friends With Money podcast, Money's Michelle Baltazar speaks with Virgin Money Super's general manager, Christopher Sozou, about the facts and figures of retirement.

  • Contributions vs earnings
  • Is super a good investment nest egg?
  • What's the magic number needed to retire?
  • What if I don't own a home?
  • Accumulation vs pension phase
  • Where to get advice?

Links:


*Our thanks to Virgin Money Super for sponsoring this podcast

**Figures quoted in the podcast are updated frequently on the ASFA website

#friendswithmoney #supernumbers #michellebaltazar #virginmoneysuper #virginmoneyau

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Have an epic retirement17 Oct 202300:17:04

There are a lot of myths and preconceptions when it comes to retirement.

Regardless of age, you can put into action a plan today that will help you achieve your goals and live an epic life.

This week on the Friends With Money podcast, Money's Michelle Baltazar speaks with Author, Rebecca Wilson, about living your best life and future retirement.

  • Retirement is just for old people, right?
  • Money for nothing (for not much effort)
  • "C" is for...?
  • Plan and prepare

Book giveaway (limited copies): https://www.moneymag.com.au/win/how-to-have-an-epic-retirement-book-bec-wilson

Question: Tell us your favourite tip that Bec Wilson shared on the Friends With Money podcast?

#friendswithmoney #retirement #michellebaltazar #becwilson

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Is getting financial advice worth the cost?10 Oct 202300:14:19

Is it worth paying for financial planning, or can you do it on your own?

A Financial Adviser can be quite costly, and do you get value for your investment?

This week on the Friends With Money Podcast, Money's Michelle Baltazar chats with David Sharpe, Financial Adviser and the Chair of the FAAA, about the myths and benefits of getting help planning for your future.

  • Does financial planning lack objectivity?
  • Is it worth it?
  • Is planning just for retirement?

#friendswithmoney #financialplanning #michellebaltazar #adviser

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Bonus: Today's market wrap09 Oct 202300:05:03

In this special bonus episode of the Friends With Money podcast, Money's Michelle Baltazar chats with Alex Moffatt, Director at Joseph Palmer & Sons, about the adverse effects of the war in the Middle East on the stock market.

#friendswithmoney #warvsthestockmarket #michellebaltazar #bonus

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Why you should be investing in U.S. stocks03 Oct 202300:15:06

Should you be investing in the U.S. stock market?

This week on the Friends with Money podcast, Money's Michelle Baltazar chats with Tim Townsend, Professional Financial Advisor and a founding partner of Townsend Cobain, about the value of diversifying your portfolio by investing in the U.S. market.

  • Why invest in U.S. shares?
  • What should I be looking for?
  • Are ETFs a good investment?

#friendswithmoney #investing #michellebaltazar #usstocks

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Investing myths busted!26 Sep 202300:12:02

Today, it's relatively easy to start investing in stocks (you can even use a free app!), but roughly 49% of Australians have decided not to.

Many have concerns about owning shares and are fearful they will lose everything or that they are not qualified to invest.

This week on the Friends With Money Podcast, Money's Michelle Baltazar chats with Brendan Doggett, the Country Manager at Sharesies Australia, and together they bust the myths of investing.

  • The risk of investing
  • Is it difficult to buy shares?
  • Do I need to take a course first?

#friendswithmoney #myths #michellebaltazar #brendandoggett

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Bonds - the fixed income alternative19 Sep 202300:14:39

After a woeful 2022 bonds appear to be making a comeback with investors. But how do they work, and what role do they have in a portfolio?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by chief executive of micro-investing app Blossom, Gaby Rosenberg, to drill into the fundamentals of fixed income and bonds.

  • What do we mean by fixed income?
  • What factors influence the price of bonds?
  • How have bonds performed in the short and long-term?
  • What role can fixed income play for investors?
  • How can investors purchase bonds?

#friendswithmoney #fixedincome #bonds #tomwatson #gabyrosenberg

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Spring property preview12 Sep 202300:13:24

Spring is one of the busiest times of the year for property sales, but is this spring likely to be a sellers’ or buyers’ market?

This week on the Friends With Money podcast, senior journalist Tom Watson is joined by Domains’ chief of research and economics, Nicola Powell, to preview the spring property season.

  • What’s happened in the property market so far in 2023?
  • Will sellers hold the upper hand this spring?
  • Can buyers expect an uptick in supply?
  • Where will property prices head in the near future?

#friendswithmoney #property #tomwatson #nicolapowell

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Supercharge your super05 Sep 202300:13:01

Voluntary contributions can have a significant impact on your super balance over time, but how much can you add and how can you make it happen?

This week on the Friends With Money podcast, host Tom Watson is joined by head of advice, experience and enhancements at Aware Super, Peter Hogg, to talk about the small actions that can make a big difference to your super. They discuss:

  • When you can access your super
  • Consolidating accounts and other basics
  • Crunching the numbers on voluntary contributions
  • Salary sacrificing and post-tax contributions
  • Contribution caps

#friendswithmoney #superannuation #tomwatson #peterhogg

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The credit crunch29 Aug 202300:10:48

The cost of living is continuing to put a strain on the finances of many Australians, but how is it impacting our credit health?

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by credit reporting expert at CreditSmart, Geri Cremin, to discuss the importance of credit health during the cost of living crunch.

  • How are Australians dealing with elevated living costs?
  • When should mortgage holders reach out for support?
  • What are the consequences of not seeking help?
  • How and when should people check their credit reports?

#friendswithmoney #credithealth #tomwatson #gericremin

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Investor secrets: Locating hotspots before they boom23 Sep 202500:15:45

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

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The problem with strata22 Aug 202300:17:47

As the population grows, more Australians are living in strata-titled properties like units and townhouses than ever before. But what do buyers need to know about strata before purchasing?

This week on the Friends With Money podcast, Money’s senior journalist Tom Watson is joined by strata lawyer Amanda Farmer to delve into the ins and outs out strata. They discuss:

  • What is the strata ownership model?
  • What kind of costs can buyers expect?
  • How should renovations be approached?
  • Can litigation really happen?
  • How can buyers best prepare themselves?

#friendswithmoney #property #strata #tomwatson #amandafarmer

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Surviving investment setbacks15 Aug 202300:14:30

The doubling of mortgage interest rates have forced some homeowners to sell their property at a loss. How do you bounce back from that?

This week on The Friends with Money podcast, Money's Michelle Baltazar chats with financial adviser Troy Theobald from RFS Advice about how to fight your way out of an investment loss.

  • The courage to confront reality
  • Why cashflow should be the priority
  • You don't need to budget, but..

#friendswithmoney #michellebaltazar #troytheoblad #investments

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Essential investment property strategies08 Aug 202300:18:49

Over two million Australians are property investors, but they don’t always get their purchases right. So how can investors avoid mistakes, and set themselves up for success? 

This week on the Friends With Money podcast, Money's Tom Watson is joined by buyer’s agent and co-director of The Investors Agency, Darren Venter, to talk about the strategies investors should employ when buying property. They discuss:

  • Getting the initial research right
  • Diversification and searching outside of your bubble
  • Interstate purchases
  • The importance of net returns
  • Structuring your finance

#friendswithmoney #tomwatson #darrenventer #property

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