Financial Autonomy
375 episodes - English - Latest episode: 6 days ago - ★★★★★ - 3 ratingsPlenty 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.
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Episodes
Hannah Richards - What Does a Money Coach Do?
April 13, 2022 01:00 - 34 minutes - 78.8 MBThis week I chat with Money Coach Hannah Richards about what Money Coaches do and how they help people in achieving their money goals. Hannah Rose Richards Money Coaching [Disclaimer]
What Does a Money Coach Do with Hannah Richards
April 13, 2022 01:00 - 34 minutes - 78.8 MBThis week I chat with Money Coach Hannah Richards about what Money Coaches do and how they help people in achieving their money goals. Hannah Rose Richards Money Coaching [Disclaimer]
How to build your Financial IQ
April 06, 2022 01:00 - 12 minutes - 28.8 MBMore Australians than ever have become investors as the combination of anemic interest rates on bank savings, and reduced spending during COVID-induced lockdowns have presented an unprecedented opportunity. But as we've seen in the past couple of months, investment markets don't always go up, prompting some new investors to question their approach. [Disclaimer]
The Balancing Act
March 30, 2022 00:00 - 11 minutes - 27 MBHow do we juggle the desire to save for the future, with the need to live life to the fullest today? Is 6 months of backpacking around Europe in your 20’s more valuable than being able to buy a beach house in your 50s? Is pushing hard on the mortgage today the wisest course, or would you be better off easing up a bit and spending a little more on the family holidays? This is the question we'll be tackling in today's episode of the Financial Autonomy Podcast [Disclaimer]
Pursuing your professional passions with Nicole Goodman
March 23, 2022 00:00 - 31 minutes - 71.5 MBThis podcast is about gaining choice. Our guest today is a podcasting friend of mine who has gained choice through changing her career trajectory to get into an area of personal interest. Normally it's Nic doing the interviewing, so today we'll see how she goes in the role of podcast guest. [Disclaimer]
Investing in Uncertain Times
March 16, 2022 00:00 - 12 minutes - 27.9 MBThere is always a degree of volatility on investment markets. But there are times when world events raise the level of worry and uncertainty, causing markets to seesaw, sometimes violently, from one day to the next. As investors, this sort of activity doesn't put us in our happy place. A slow and steady upward climb is what we'd all like to see. This week let’s take a look at some investing fundamentals and how they apply during periods of heightened volatility. I’m hoping they help dial...
Parents, Adult Children, & Money
March 09, 2022 00:00 - 11 minutes - 27 MBNearly every client I work with who has children give some thought to how they might help them out in adulthood. For those with young or teenage children, the thoughts are often around assisting them into the property market via a lump sum gift to bolster their potential deposit. For clients whose children are beyond this milestone, considerations around early inheritances commonly crop up. Where parents perhaps in their 70s or beyond can see that they comfortably have their retirement need...
How to use the Greatest Tax Perk in Australia
March 02, 2022 00:00 - 11 minutes - 25.3 MBIn this week's episode, I break down how some of our clients have used the incredibly generous capital gains tax exemption for primary residences. [Disclaimer]
How to Convert Great Income into Financial Security
February 23, 2022 00:00 - 10 minutes - 23.9 MBOne of the most common reasons clients engage us through the Financial Autonomy programme is a realisation that all their hard work is not translating into financial wealth and security. It generally seems to be that people in this predicament have put all their energy and focus into developing their careers and therefore just haven’t had the headspace to focus on their personal finances. I guess it’s similar to the carpenter who’s house is falling down or the mechanic who’s car chuggs along...
Growing Through Life's Challenges with Kerry Ware
February 16, 2022 00:00 - 51 minutes - 118 MBThis week I chat with Kerry Ware. Kerry and her husband Scott decided to separate when their boys were teenagers. They worked through an amicable separation of the family business and co-operated to ensure the boys lives suffered minimal disruption. Then tragically, Scott was killed in an accident. In this interview Kerry shares some of the challenges faced by women who find themselves single in middle life and how she coped with the tragedy that befell her family. [Disclaimer]
The Investment World Has Changed
February 09, 2022 00:00 - 8 minutes - 19 MBIn this episode, I discuss how the investment world has become safer in our modern era. [Disclaimer]
Building Wealth Efficiently
February 02, 2022 00:00 - 11 minutes - 25.3 MBYou're busy with your career and personal life. You don't need your wealth creation plan to suck up hours of each week. So how can you best put your earnings capacity to work to secure choices for you down the road, without the plan adding to your already full schedule? This week I’m sharing 7 ideas to help you build wealth efficiently. [Disclaimer]
2 Unconventional Strategies the Rich use to get Richer
January 26, 2022 00:00 - 11 minutes - 26.2 MBThe entire Financial Autonomy framework was built by reverse engineering how my most successful clients achieved their success. In that vein, today I wanted to share with you two ways in which I've seen moderately wealthy people really take a step forward, with approaches that perhaps go against the conventional wisdom. Maybe you can't use them yourself right now, but an awareness of their application might still assist you as you develop your personal Financial Autonomy plan. [Discl...
Blogging to Financial Autonomy with Chris Panteli
January 19, 2022 00:21 - 48 minutes - 111 MBThis week I chat with Chris Panteli on his transition from fish and chip shop owner to blogger. Chris shares a tonne here on what he's learned, mistakes he's made, and blogging can make you money. Check out Chris's blog at www.lifeupswing.com [Disclaimer]
The TLA episode
January 12, 2022 00:00 - 11 minutes - 25.6 MBThe financial world is full of acronyms. In today's episode we're going to decipher as many of these as we can find. What's TLA you ask? It stands from Three Letter Acronym and came out of an inside joke in my CBA days (Commonwealth Bank of Australia) pointing t the fact that every major initiative had to be quickly abbreviated to a TLA, causing internal communications to resemble some weird coded language with the odd English word included to give you a clue as to what was going on. Anyho...
Commercial Property with Scott O'Neill
January 05, 2022 00:00 - 38 minutes - 88.9 MBThis week I speak with Scott O'Neill, director from Rethink Investing, buyers agent for commercial property. [Disclaimer]
When to Sell Your Shares
December 29, 2021 00:00 - 13 minutes - 31.2 MBWhen it comes to stock market investment, buying is easy, selling is hard. It's interesting how there's always so much talk about exciting new opportunities and yet rarely is the exit plan discussed. Well, let's address this common investment strategy oversight and help you decide when it's time to sell your shares. [Disclaimer]
The Three Pathways to Achieve Financial Autonomy
December 22, 2021 00:00 - 9 minutes - 20.7 MBIf you've been listening to this podcast for a while, and certainly if you've read my book, you'll be aware that we adhere to a framework in helping people gain choice. A core element of that framework is the three pathways. The entire Financial Autonomy framework, and in particular these three pathways, are the product of my 20 odd years as a practising financial planner. I've observed how hundreds of Australians have accumulated wealth, and the various ways in which they've used that wealt...
Understanding Asset Allocation
December 15, 2021 00:00 - 13 minutes - 29.9 MBIn this week's episode, Paul goes through the different asset classes and how they can be used to create an investment portfolio that is right for you. [Disclaimer]
Disruption in Australia's financial world with Mat Blas
December 07, 2021 23:14 - 35 minutes - 80.4 MBThis week I chat with Deferit Co-founder Mat Blas. We discuss the start-up scene in Australia, and Mat's first-hand experience in getting a disruptive new business off the ground. www.deferit.com [Disclaimer]
MARKET NOISE - No more "transitory", Will there be an Aussie Robinhood?, Could there be an upside to Omicron for markets?, and plenty more
December 06, 2021 07:38 - 54 minutes - 50.3 MBNo more "transitory", Will there be an Aussie Robinhood?, Could there be an upside to Omicron for markets?, and plenty more. This week my co-host is Pat Garrett, CEO and co-founder of Six Park. As a former New York private equity guy, Pat certainly knows his way around markets. General Advice Disclaimer
Breaking the mental barriers upon receiving an inheritance
December 01, 2021 00:00 - 8 minutes - 20.6 MBReceiving an inheritance can often come with plenty of baggage attached. The most obvious is that someone has had to die, usually someone very close to you, for you to be the beneficiary of this financial gift. But the challenges don’t end there. Many of the clients I work with engage us following the receipt of an inheritance. We often have discussions around an awareness that a close relative worked hard to build this wealth and as the recipient, there’s a weight on the shoulders to not ...
MARKET NOISE - Markets Shudder, Property prices to drop, Inside the Italian Stock Market, and plenty more
November 29, 2021 10:00 - 40 minutes - 36.7 MBThis week Financial Autonomy community member Alessandro joined me to discuss all the investment market news that's worth talking about in the past week. General Advice Disclaimer
Property Market Update with Buyers Agent Emily Wallace
November 24, 2021 00:00 - 35 minutes - 81.5 MBIn this episode, we talk with Emily Wallace about trends in the property market in Australia. She gives very useful insights into how we as investors, homeowners, or people looking to get into the market may want to position ourselves. [Disclaimer]
MARKET NOISE - Asian Dev. Bank shuts down coal plants, Stable Coins, Bored Apes, and plenty more
November 22, 2021 09:56 - 47 minutes - 43.7 MBThis week Financial Autonomy community member Dash joins me to chew the fat on the market news of the week. General Advice Warning
MARKET NOISE - America's greatest company comes to an end, Australian miner strikes it big, how will COP26 effect Africa, and plenty more
November 15, 2021 10:05 - 44 minutes - 40.9 MBThis week Financial Autonomy community member Andre joins me to chew the fat on the market news of the week. General Advice Warning
Why Do Bond Markets Matter to the Stock Market?
November 10, 2021 00:00 - 15 minutes - 34.5 MBAfter 10 consecutive months of gains, the Australian share market declined in September, heralding a period of volatility that continues today. There is never a single catalyst driving markets, instead, there's a confluence of views that tend to drive either positive or negative momentum. But in this most recent period of volatility, there has been one factor receiving the bulk of the finger-pointing, and that is the bond market. To be specific, it is rising yields and falling bond prices. ...
MARKET NOISE - CBA's crypto move, Domino's gets smashed, SYD succumbs, and more
November 08, 2021 09:40 - 32 minutes - 29.6 MBThis week Financial Autonomy community member Andre joins me to chew the fat on the market news of the week. General Advice Warning
MARKET NOISE - Australian Crypto ETF, Greatest Trade Ever?, Big Tech, Tesla, and where to for house prices
November 01, 2021 09:45 - 35 minutes - 32.8 MBEthan returns by popular demand to discuss the business and market news that caught our eye this past week.
Jillian Johnsrud - The Evolution of FIRE
October 27, 2021 00:00 - 50 minutes - 116 MBIn this episode, I chat with Jillian Johnsrud, host of the Every Day Courage podcast and author of a new book Fire the Haters. The focus of our discussion is the evolution of FIRE. Jillian and her husband retired early and Jillian shares her experiences. Find Jillian on Twitter and Insta: @jillianjohnsrud www.jillianjohnsrud.com/book www.jillianjohnsrud.com/mini [Disclaimer]
MARKET NOISE - Bitcoin ETF's finally arrive, WeWork leaps, RBA vs the Bond Market, Game Changer for Renewables, and plenty more
October 25, 2021 09:49 - 41 minutes - 38.3 MBThis week my good friend Andrew Dreischner of Mercury Wealth joins me to toss around the big issues floating around the business and investment universe. General Advice Warning
Are Self Managed Super Funds Still Useful?
October 20, 2021 00:00 - 14 minutes - 33.7 MBA lot has changed in the investment universe over the past 5 years or so, and the SMSF landscape has been particularly impacted. In this episode, Paul discusses the usefulness of self-managed super funds in the current climate. When are they appropriate? When can they be less than ideal? Why are they becoming less common? All this and more will be covered. [Disclaimer]
MARKET NOISE - Zero 2050 riches, China's AI push, Invest Admin gets sexy, and plenty more
October 18, 2021 09:51 - 40 minutes - 37.2 MBThis week Ethan comes off the bench to fill Justin's shoes, chatting about the business and market news that caught our eye this past week. General Advice Warning
Glen James - Sort Your Money Out
October 13, 2021 00:00 - 45 minutes - 104 MBThis week Paul talks to Glen James of the My Millennial Money podcast. Glen has recently released a book - Sort Your Money Out & Get Invested (check it out here), a comprehensive guide to all things money management in Glen's uniquely engaging style. We discuss the Investor vs Saver mindset Glen's "Money House" concept Money Hacks and plenty more. A great fun episode that you're sure to enjoy. [Disclaimer]
Where to for housing prices, ASIC stalks the chat rooms, BTC bounces, and more - MARKET NOISE
October 11, 2021 09:51 - 36 minutes - 33.1 MBJoin Justin and I as we digest the most interesting stories in investment markets. This podcast should never be considered advice. See our general advice warning here. Check out Justin's YouTube channel.
5 Steps to Becoming a Millionaire
October 06, 2021 00:00 - 12 minutes - 27.5 MBIn this episode, Paul reveals the steps needed to reach millionaire status. While perhaps not as massive as it used to be, reaching this milestone is still very impressive and worth celebrating. Through the strategies outlined, hopefully it is a status you will be able to achieve. [Disclaimer]
What's Driving the Stock Market Right Now? MARKET NOISE
October 04, 2021 09:47 - 33 minutes - 31.1 MBJoin Justin and I as we digest the most interesting stories in investment markets. This podcast should never be considered advice. See our general advice warning here. Check out Justin's YouTube channel.
Should You Trade? Chris Tate - Trading Yoda
September 29, 2021 01:00 - 54 minutes - 125 MBIn this episode, Paul talks to Chris Tate about all things trading. Chris is a very insightful, experienced trader so there's a lot to get out of this one. We hope you enjoy! Chris Tate is from Trading Game: https://www.tradinggame.com.au/ [Disclaimer]
MARKET NOISE - Will Evergrande crash markets, Are You Feeling Rich, Crypto Exchanges dominate sponsorships, and plenty more
September 27, 2021 10:49 - 38 minutes - 35.2 MBJoin Justin and I as we digest the most interesting stories in investment markets. This podcast should never be considered advice. See our general advice warning here. Check out Justin's YouTube channel.
When to use Gearing in your investment strategy
September 22, 2021 01:00 - 17 minutes - 39.6 MBToday we're going to explore a strategy element that has application to both the stock and property pathways. We're talking here about gearing. Gearing means borrowing to invest. Gearing is a way to increase your risk, and we know that risk and reward are inextricably linked. We also know that there's no such thing as a free lunch, and higher risk, whilst helpful in providing the potential for higher returns, also comes with the potential for greater loss. So in this piece we will be lookin...
MARKET NOISE - Iron Ore crashes, Canva shines, Best Re-Opening Bets, and plenty more
September 20, 2021 10:45 - 37 minutes - 34 MBJoin Justin and I as we digest the most interesting stories in investment markets. This podcast should never be considered advice. See our general advice warning here. Check out Justin's YouTube channel.
Get the Job you Really Want with Erin Devlin
September 15, 2021 01:00 - 44 minutes - 101 MBThis week I chat with career transition expert Erin Devlin. Erin had a career with the Australian Ballet from an early age, but at age 21 needed to reinvent herself. Today she runs two different businesses help people succeed in making a job or career change. In this interview Erin shares some fantastic hard-won advice on how you can succeed in your career. Link: people2people | Recruit Top Talent across Australia Now [Disclaimer]
MARKET NOISE - What is Play to Earn, Macquarie's Crypto Play, Utlity Companies Selling Cars, and more
September 13, 2021 10:43 - 34 minutes - 31.1 MBJoin Justin and I as we digest the most interesting stories in investment markets. This podcast should never be considered advice. See our general advice warning here. Check out Justin's YouTube channel.
ARK Deep Dive
September 08, 2021 01:00 - 18 minutes - 42 MBPerhaps you’ve heard of ARK, or its founder Cathie Wood. They’re frequently mentioned in passing on stock market related podcasts or in press. Justin and I regularly mention both of them in Market Noise. But if you’re like me, you perhaps only know a little of the surface level story. So I thought I’d take the time to use this wonderous thing we call the internet to learn all that I could about ARK, it’s founder, and why they are relevant to us investors today. I hope you enjoy. [Disc...
MARKET NOISE - Biggest Investment Opportunity since the Internet, Making a killing with AirBNB, Ethical Investment Booms, and more
September 06, 2021 10:47 - 37 minutes - 34 MBJustin Baldori and I chat about the market news that caught our eye last week. Nothing in this podcast should be considered advice. It is for information and entertainment purposes only. General Advice Warning.
What Friday's Federal Reserve meeting means for interest rates and you
September 01, 2021 00:21 - 41 minutes - 95.4 MBThe US Federal Reserve met last Friday for their annual Jackson Hole meeting. This is closely watched by markets for the future direction of US monetary policy and interest rates. This week I download what was said and the impacts on us here in Australia with co-host of The BIP Show Podcast James Whelan. General Advice Warning.
MARKET NOISE - Solana rips, what Tik Tok + Spotify means for creators, and plenty more
August 30, 2021 10:43 - 34 minutes - 31.8 MBJoin Justin and I as we digest the most interesting stories in investment markets. This podcast should never be considered advice. See our general advice warning here. Check out Justin's YouTube channel.
How to win in the new working from home world with Vanessa Marrama - Episode 212
August 25, 2021 01:00 - 41 minutes - 94.4 MBMost employers have discovered that having workers work from home can be just as productive as having them come into the office. At the same time, employees have discovered the benefits of more flexible work practices, and some of the challenges. This week I chat with Vanessa Marrama on how we can all get the most out of this massive shift in working life. [Disclaimer]
MARKET NOISE - Tesla to build replicants, Australia's biggest company changes its spots, Cathy Wood "no bubble"
August 23, 2021 10:58 - 34 minutes - 31.8 MBJustin and I had a tonne of fun recording this weeks episode. We hope you love it too. As always, please remember this podcast is for information and entertainment only - it is not advice. Full disclaimer. Check out Justin's other work: Justin Baldori JB & Ind
10 ways to save more - Episode 211
August 18, 2021 01:00 - 12 minutes - 27.9 MBFinancial Autonomy, this podcast and blog, exists to help you gain choice in life. To succeed with this goal, we need to put ourselves into a position of financial strength – debt paid off, investments generating income, and superannuation well-funded for our latter years. And none of that happens if our income doesn’t exceed our expenses. This is the definition of savings – the portion of our income that we don’t spend. In this piece I provide 10 ideas to help you save more. They’ve all eit...