More Than Money
84 episodes - English - Latest episode: about 1 year ago -More Than Money, hosted by a financial coach Ross Marais. On this podcast we have real conversations about lifestyle, money, and business. Our podcast is dedicated to helping ambitious young professionals and entrepreneurs achieve their financial and personal goals. On this podcast, you'll find expert advice on personal finance and interviews with successful entrepreneurs. We cover a wide range of topics, from saving strategies and investment tips to work-life balance. So, if you're ready to learn more about personal finance and business success, hit that subscribe button.
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Episodes
EP 65 - Your Money Questions Answered #askross
April 17, 2023 22:00 - 29 minutes - 27.2 MBYour Money Questions Answered Questions: 00:00: Introduction 00:40: How can I start investing in the Australian stock market with a small amount of money? 01:55: What percentage of my income should I be saving each month to reach my financial goals? 03:30: What are the factors that affect my credit score in Australia and how can I improve it? 06:30: What are the tax benefits of contributing to a superannuation fund? 08:15: How can I negotiate a higher salary or benefits package in my indus...
EP 64 - Making a Smooth Transition: Navigating a Job Change
April 09, 2023 19:00 - 37 minutes - 34.6 MBHello and welcome to More Than Money! In today's episode, we'll be discussing the importance of preparing for a job change. We'll be sharing valuable strategies that will help you land your next dream job. We'll start by talking about the essential steps that you need to take when preparing for a job change, including updating your resume, networking, and identifying potential job opportunities. We'll share with you some useful tips for finding job openings, such as job search engines, onli...
EP 63 - Working with a Buyers Agent w/ Oliver Dunstan
April 02, 2023 20:43 - 1 hour - 61.9 MBIn this episode we discuss everything about working with a buyers agent with our guest, Oliver Dunstan, director and senior buyer's agent at Rose & Jones Queensland. Oliver shares his background and experience in the field. He takes us on his personal journey into the industry moving from a research analyst to buyer’s associate then buyer’s agent in Sydney, NSW before moving to Gold Coast, QLD, and highlights the differences between the Sydney and SEQ market. We delve into Oliver's role in ...
EP 62 - The Importance of Financial Education
March 19, 2023 20:00 - 27 minutes - 25.6 MBIn this episode, we explore the importance of financial education in Australia. We discuss the current state of financial education in Australia and the potential consequences of financial illiteracy. We also delve into the benefits of financial education, including improved money management skills and better decision-making in relation to personal finances. Potential solutions to the lack of financial education in Australia and how these solutions could be implemented. Whether you're a stud...
EP 61 - Building Fitcover with Nova Jane
March 12, 2023 15:00 - 51 minutes - 46.7 MBWelcome to the More Than Money podcast where we like to chat with people who are doing something a little bit different and not following the traditional 9-5 life. We cover all kinds of topics related to lifestyle, money, and business. Today, we're excited to have a special guest who has an inspiring story to share. We're talking to Nova Jane, a successful business owner who's been through a lot of major life events and has learned valuable lessons along the way. Nova has a "why not" way o...
EP 60 - Your Superannuation Questions Answered #askross
March 05, 2023 18:30 - 24 minutes - 22.1 MBYour Superannuation Questions Answered Questions 0:00 - Intro 2:15 - What is superannuation and why is it important? 5:10 - How do I open a superannuation account? 7:10 - How do I make contributions to my super? 9:45 - Can I access my super before retirement? 11:31 - How do I choose an investment option for my super? 14:00 - How do I check the balance of my super account? 15:53 - How do I consolidate my multiple super accounts? 20:08 - What happens to my super when I change jobs? ...
EP 59 - Growing Your Wealth with Superannuation
February 26, 2023 14:05 - 45 minutes - 41.8 MBIn this episode, we provide a comprehensive guide to superannuation in Australia. We explain what superannuation is and how it works, including the different types of contributions, investment options, and tax benefits. We also discuss the factors to consider when choosing a super fund and how to determine the right investment strategy for your superannuation. Plus, we explore the government incentives available to encourage retirement savings and the impact of superannuation on retirement i...
EP 58 - Your Investment Property Questions Answered #askross
February 19, 2023 14:01 - 36 minutes - 33.6 MBYour Investment Property Questions Answered Questions 0:00 - Intro 2:00 - What are some good ways to get started in property investing? 6:50 - How can I tell if a property is a good investment? 12:00 - What are some risks to consider when investing in property? 17:15 - Are there any tax benefits to investing in property? 20:15 - What are some tips for successful property investing? 26:35 - How do I find good investment properties? 29:50 - What is a property investment trust (REIT...
EP 57 - Growing Your Wealth with Investment Properties - Part 2
February 12, 2023 14:01 - 29 minutes - 27.2 MBWelcome to Part 2 of 2 in our Investment Property Deep Dive Episodes. If you have not listened to last week's episode yet, go back, and listen to that one before starting on this week's episode. Listen to Part 1 Here: anchor.fm/morethanmoneyau In this episode we cover the following: What to keep in mind before you start investing in property How to find a suitable investment property And finally, once you have found a property, what are some strategies for managing your property and max...
EP 56 - Growing Your Wealth with Investment Properties - Part 1
February 05, 2023 14:01 - 25 minutes - 24 MBWelcome to Part 1 of 2 in our Investment Property Deep Dive Episodes. In this episode, we cover the following: How to make money from property Pros and Cons of investing in property Why investment properties are favoured over other investment types What are the different properties to choose from In next week's Part 2 episode, we cover the following: What to keep in mind before you start investing in property How to find a suitable investment property And finally, once you have foun...
EP 55 - Your Investment Questions Answered #askross
January 29, 2023 14:00 - 28 minutes - 26.5 MBInvesting Questions 1:37 - I'm new to investing. Where do I start? 4:03 - I'm not sure if I have enough money to start investing. 5:58 - What are some good investments for beginners? 8:15 - I'm worried about taking too much risk. How can I minimise risk With my investments? 10:55 - How do I know if my investments are performing well? 14:51 - I want to invest for the long term. What are some good strategies? 16:25 - I'm not sure I understand all the jargon and technical terms. Can...
EP 54 - Growing Your Wealth - The Basics of Investing for Beginners
January 22, 2023 14:00 - 16 minutes - 15.1 MBIn this episode, we'll cover everything you need to know to get started on your investing journey. We'll explain the different types of investments available, such as stocks, bonds, and managed funds, and help you understand how to create a diversified portfolio. We'll also discuss the importance of setting financial goals and creating a budget, and provide tips on how to minimise risk and maximise returns. By the end of this episode, you'll have a solid foundation in the basics of investing...
EP 53 - Estate Planning Deep Dive w/ Tara Lucke
January 15, 2023 14:00 - 33 minutes - 30.6 MBEP 53 - Estate Planning Deep Dive w/ Tara Lucke Ask a question | https://www.rossmarais.com/askross Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education. Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/ Disclaimer | In preparing this podc...
EP 52 - Protecting Your Wealth - Estate Planning 101
January 08, 2023 14:00 - 12 minutes - 11.2 MBIn this episode, we will be discussing the importance of organising and managing the distribution of your assets and possessions after you pass away. We will cover topics such as creating a will or trust, making arrangements for the care of minor children, and establishing a plan for managing your financial affairs if you become incapacitated. Estate planning is essential to ensure that your wishes are carried out and to minimise the possibility of disputes among your loved ones. Tune in t...
EP 51 - Protecting Your Wealth: The Value of an Emergency Savings Fund and Insurance in Times of Crisis
January 01, 2023 14:00 - 30 minutes - 28 MBWelcome to this week's episode of the More Than Money Podcast, where we discuss strategies for protecting your wealth and safeguarding your financial future. In this episode, we'll discuss the importance of emergency savings funds and personal insurance. First up, emergency savings funds. These are essential for covering unexpected expenses and can help alleviate financial stress in times of need. But how much should you aim to save in your emergency fund? Generally, we recommend saving en...
EP 50 - 5 “almost” effortless ways to make extra money
April 18, 2022 22:20 - 11 minutes - 10.6 MBEveryone could do with some extra money in their pocket each week; however, whenever I talk to people about earning extra money, they usually think they have to get a second job or do something that they don't have time for. So these five ways to make some extra money, if done right will not take up too much of your time and don’t require you to work a weekend job. 5 “almost” effortless ways to make a little extra cash Get a Roommate (for homeowners and renters) Flatmates.com.au Airbnb yo...
Episode 49 - How Do Credit Cards Work?
March 07, 2022 20:53 - 22 minutes - 20.8 MBIn this episode, we discuss how do credit cards work and what you need to know before applying for one. Credit Card Calculator: https://moneysmart.gov.au/credit-cards/credit-card-calculator Ask as question | https://www.rossmarais.com/askross Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial...
Ep 49 - How Do Credit Cards Work?
March 07, 2022 20:53 - 22 minutes - 20.8 MBIn this episode, we discuss how do credit cards work and what you need to know before applying for one. Credit Card Calculator: https://moneysmart.gov.au/credit-cards/credit-card-calculator Ask as question | https://www.rossmarais.com/askross Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial ed...
EP 48 - 3 Steps to Take Control of Your Debt
February 21, 2022 19:38 - 40 minutes - 37.5 MBIn this episode, we discuss 3 Steps to Take Control of Your Debt: Review your current debt and understand what you owe, much your repayments are and when you need to pay your debt off by Understand what type of debt you have Good, Bad or Shit / toxic debt Decide what you will do with your debt, retain it, restructure, remove, reduce, refinance or consolidate it. Ask as question | https://www.rossmarais.com/askross Resources: Money smart debt https://moneysmart.gov.au/managing-...
EP 47 - How to Manage Your Money and Start Saving
February 15, 2022 09:20 - 35 minutes - 32.3 MBCashflow & Money Management. In this episode we talk about the third part of building your financial foundations which is ‘How to manage your Money, structuring your bank accounts to help you take control of your money so you can understand where all of your money is going. Resources My Prosperity Wealth Portal - https://www.moretimefinancial.com.au/wealth-portal Pay Calculator - https://paycalculator.com.au/ Expenses list -https://docs.google.com/spreadsheets/d/e/2PACX-1vS7jlxbppBI...
EP 46 - Goal Planning Process: Understand What You Want to Achieve and Why
February 07, 2022 12:51 - 28 minutes - 26.2 MBThe Goal Planning Process: Understand What You Want to Achieve and Why Steps Create your wish list Create your goals board Create an action plan for each goal Resources Wish List Template Goals Board Template Alan Watts - if money was no object video - https://www.youtube.com/watch?v=khOaAHK7efc Compound interest calculator - https://moneysmart.gov.au/budgeting/compound-interest-calculator Episode Sponsor | This episode is brought to you by More Time Financial a financi...
EP 46 Goal Planning Process: Understand What You Want to Achieve and Why
February 07, 2022 12:51 - 28 minutes - 26.2 MBThe Goal Planning Process: Understand What You Want to Achieve and Why Steps Create your wish list Create your goals board Create an action plan for each goal Resources Wish List Template Goals Board Template Alan Watts - if money was no object video - https://www.youtube.com/watch?v=khOaAHK7efc Compound interest calculator - https://moneysmart.gov.au/budgeting/compound-interest-calculator Episode Sponsor | This episode is brought to you by More Time Financial a finan...
EP 45 How to Take Control of Your Money
February 02, 2022 00:13 - 33 minutes - 30.4 MBOn the More Than Money Podcast, we will be having real conversations about Lifestyle, Money and Business. In this episode, we are talking about how to Get Financially Sorted to help you determine where are you right now? Step #1 - What do you own? Step #2 - What do you owe? Step #3 - How much do you earn? Step #4 - How much do you spend? Resources My Prosperity Wealth Portal - https://www.moretimefinancial.com.au/wealth-portal Pay Calculator - https://paycalculator.com.au/ ...
EP 44 How to become a commentator with Tanera Nathan
October 01, 2021 04:50 - 1 hour - 126 MBOn the More Than Money Podcast, we will be having real conversations about Lifestyle, Money and Business. Find out more about Tanera Instagram - https://www.instagram.com/real_ttime619/ Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education. Book in for a free initial 30-minute consultati...
EP 43 Money Chats with Mates - Part 2
September 14, 2021 22:49 - 48 minutes - 91 MBIn this episode, I decided to get a few of my mates together to chat about all things money. This is part two of two episodes so be sure to head back to part one before listening to this episode. Throughout this episode, we discuss a range of topics including: Money do’s and don’t when shouting your mates Mistakes people make when buying a house Cryptocurrency Purchasing a car Purchasing a property Being self-employed and asking for money from clients Find out more in...
EP 42 Money Chats with Mates - Part 1
September 14, 2021 19:46 - 1 hour - 144 MBIn this episode, I decided to get a few of my mates together to chat about all things money. This is part one of two episodes so be sure to continue listening for part two. Throughout this episode, we discuss a range of topics including: Money do’s and don’t when shouting your mates Mistakes people make when buying a house Cryptocurrency Purchasing a car Purchasing a property Being self-employed and asking for money from clients Find out more information about topics discu...
EP - 41 Ask Me Anything #2
July 27, 2021 00:15 - 23 minutes - 21.8 MBAsk Me Anything - Answering your money questions 1:40 - Question #1 Is it better to Airbnb or Rent my property long term? 10:40 - Question #2 How do I learn how to save money? 16:00 - Questions #3 - How do you split money with your partner? 19:55 - Questions #4 - How to keep investment property records for tax purposes? Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter ...
EP 40 - The Challengers and Complexities of Being a Business Owner
July 12, 2021 07:32 - 40 minutes - 37.4 MBIn this episode, I am being interviewed about the challenges and complexities of running your own business, especially for younger business owners. Some of which include, balanced your business growth and goals with your personal and lifestyle goals. Not planning ahead, the difficulty obtaining/applying for finance or a mortgage. Juggling cash flow and knowing what money is yours to spend on personal things, what money is the business’s and what money is the tax mans Episode Sponsor | Thi...
EP 39 - All things Airbnb with Craig Hill owner of @caba_cottage & Howzit Property Management
July 04, 2021 09:52 - 1 hour - 60.8 MBIn today’s episode, I share with you an interview with Craig Hill who owns and operates Howzit Property Management and Airbnb management business, the @Caba_cottage and @the_beachflat. Throughout this episode, I chat with Craig about his personal Airbnb story, how he started sleeping in the car on weekends and renting out his unit. How he has been able to take his passion for property to start his own property management business. Advice and tips for others wanting to get started renting the...
EP 38 - Tax Tips For Business Owners
April 20, 2021 22:59 - 24 minutes - 22.8 MBIn this episode, I will share with you some of the common challenges that I see business owners, sole traders and self-employed clients dealing with. This includes understanding what money in their business is their own personal money to spend or take out as a salary, what money needs to be kept in the business to cover business expenses and how much money needs to be put aside or withheld for the taxman. Company base tax rates will vary depending on your turnover and are subject to change...
EP 37 - The Elopement Collective with Britt Snow
April 05, 2021 11:24 - 1 hour - 73.9 MBIn this episode, I share with you an interview with Britt Snow who, along with her husband Josh, founded and currently run the elopement collective, previously known as the pop-up wedding co. As you will hear in this episode, the elopement collective is a squad of wedding industry leaders and creatives that create epic and intimate elopements for couples in Australia and around the world. Eloping is something that appears to become more accepted as a potential alternative for the traditio...
EP 36 - Real Life Client Scenario
March 29, 2021 01:33 - 27 minutes - 25.7 MBIn today’s episode, I will share with you a real-life client scenario of Kim & Kanye (not their real names) clients that I have been working with for the past few years in my business More Time Financial. As a result of working together, we were about to increase their savings by $1,000 pm / $12,000 pa and we were able to go from being $20,000 in debt to having a house deposit of $50,000 and purchasing their first house in less than 18 months. Episode Sponsor This episode is brought t...
EP 35 - The Travelling House Sitters
March 23, 2021 23:35 - 1 hour - 55.9 MBIn this episode, we speak to Brittnay and Jay who are full time, professional house and pet sitters. They both love travelling and taking care of animals to date they have looked after over 90 pets in 14 countries. This podcast was recorded in January 2020 while Jay is on a boat in Carriacou which is the largest island in the Grenada / Grenadines and sits around 30km North of the main island of Grenada. It has a population of around 8,000 and is fairly small at around 30km square. Learn m...
EP 34 - Starting a Business, Breakups & Travel With Emily Gough
March 14, 2021 13:30 - 55 minutes - 50.8 MBStarting a Business, Breakups & Travel With Emily Gough In this episode, we speak to Emily Gough about: Going back to school Changing careers Starting a business Relationship breakdown Travel Pros and Cons of working remotely Your money story and money beliefs About Emily Some things you may not know about her: A handful of my favourite things include deadlifts, dark chocolate PB cups and patting every dog I meet. I’ve held random jobs that include everything fr...
EP 34 - Starting a Business, Breakups & Travel w/ Emily Gough
March 14, 2021 13:30 - 55 minutes - 50.8 MBStarting a Business, Breakups & Travel With Emily Gough In this episode, we speak to Emily Gough about: Going back to school Changing careers Starting a business Relationship breakdown Travel Pros and Cons of working remotely Your money story and money beliefs About Emily Some things you may not know about her: A handful of my favourite things include deadlifts, dark chocolate PB cups and patting every dog I meet. I’ve held random jobs that include everything fr...
EP 33 - Life Update & Money Lessons
March 11, 2021 07:00 - 33 minutes - 31.3 MBTopics discussed in this episode: Podcast show name change Give you a life update of what has been happening in my life for the past 12 months Taking a 1-month working holiday in Bali (January 2020) Dealing with Covid Working from Home for the past 12 months Experience of dealing with the share market chasing Some of the important life and money lessons from COVID Episode Sponsor This episode is brought to you by More Time Financial. A financial planning, money managem...
EP - 32 Talking Gin & Whisky with Granddad Jacks
October 08, 2019 23:21 - 52 minutes - 75.6 MBIn this episode we speak to Luke Ridden from Granddad Jacks about Startup business, whisky, gin and distillery. Topics discussed in this episode: The decision to start a distillery on the Gold Coast The process of taking an initial idea, building their distillery and opening their doors for business Some failures, / hurdles / issues that he has had to overcome Challenges of being in business with Family The importance of social media for your business? How to maintain work life ...
EP - 31 Fashion & Business with We the Wild Ones
October 02, 2019 01:39 - 1 hour - 125 MBIn this episode, we speak to Lucy Jackson and Nikki Westcott of We the Wild Ones about: Deciding to quit their jobs and start a clothing line The many ways an influencer can make money online Just how beneficial the right influencer and be for a business What they have learnt in the past 18 months of running their own business Getting stocked on the top three online retailers in Australia and much much more About Fashion influencer duo, We the wild ones aka Lucy Jackson and Nikki...
EP - 31 Fashion & Business w/ We the Wild Ones
October 02, 2019 01:39 - 1 hour - 125 MBIn this episode, we speak to Lucy Jackson and Nikki Westcott of We the Wild Ones about: Deciding to quit their jobs and start a clothing line The many ways an influencer can make money online Just how beneficial the right influencer and be for a business What they have learnt in the past 18 months of running their own business Getting stocked on the top three online retailers in Australia and much much more About Fashion influencer duo, We the wild ones aka Lucy Jackson and Nikki...
EP - 30 Marriage, Money & Relationships
September 24, 2019 23:38 - 1 hour - 80.5 MBIn this episode we speak to Rohan McAdam from McAdam Family about Marriage, Money & Relationships. About Rohan McAdam I enjoy my work as a family lawyer. Whilst the situations I encounter are often painful, I embrace the opportunity to bring hope through practical solutions that work. I do this by focusing on what really matters and developing specific approaches and strategies to avoid long, drawn-out, expensive disputes. Find out more about Rohan Website - com.au Instagram...
EP - 29 Mental Health & Money w/ Noni Croft
September 11, 2019 07:43 - 54 minutes - 78 MBIn this episode, we speak to Noni Croft from Croft Confidence about Mental Health & Money. About Noni Croft Website croftconfidence.com/ Instagram @croftconfidence/ LinkedIn @nonicroft/ Episode Sponsor This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money. To stay up to date with the latest news, sign up to The...
EP - 29 MENTAL HEALTH & MONEY
September 11, 2019 07:43 - 54 minutes - 78 MBIn this episode, we speak to Noni Croft from Croft Confidence about Mental Health & Money. About Noni Croft Website croftconfidence.com/ Instagram @croftconfidence/ LinkedIn @nonicroft/ Episode Sponsor This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money. To stay up to date with the latest news, sign up to The...
EP - 29 MENTAL HEALTH & MONEY
September 11, 2019 07:43 - 54 minutes - 78 MBIn this episode, we speak to Noni Croft from Croft Confidence about Mental Health & Money. About Noni Croft Website croftconfidence.com/ Instagram @croftconfidence/ LinkedIn @nonicroft/ Episode Sponsor This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money. To stay up to date with the latest news, sign up to The...
EP - 28 Van Life w/@doingdownunder
September 04, 2019 01:56 - 1 hour - 88.6 MBIn this episode, we speak to Dan & Annie from @doingdownunder about their decision to quit their jobs, pack their lifes into a van and travel around Australia for 12 months. Instagram: @doingdownunder Resources Things we couldn’t travel without - Wiki Camps - wikicamps.com.au Bialetti Moka – Coffee Maker Koala King Size Mattress Key Questions and topics covered in this episode: Deciding to travel Life on the Road What has been the best thing about traveling so far? ...
EP - 27 Should you hire a financial planner?
August 27, 2019 23:11 - 38 minutes - 55.9 MBIn this episode, Ross sits down with James from mrkts.com.au to talk about all things financial planning. In this interview, James and Ross chat about: • What financial planners do • Who should speak to a financial planner • The benefits of speaking to a financial planner • When to start planning for retirement • How much financial planners cost • Plus much more! Resources: mrkts.com.au The trusted Australian property media, research, knowledge, technology and soc...
EP - 26 The Property Market w/ James Nikiforides
August 20, 2019 22:29 - 55 minutes - 78.8 MBIn this episode, we talk about the property development process and getting into the property market. Episode Sponsor This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money. To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions ...
EP - 26 The Property Market
August 20, 2019 22:29 - 55 minutes - 78.8 MBIn this episode, we talk about the property development process and getting into the property market. Episode Sponsor This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money. To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions ...
EP - 26 The Property Market
August 20, 2019 22:29 - 55 minutes - 78.8 MBIn this episode, we talk about the property development process and getting into the property market. Episode Sponsor This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money. To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions ...
EP - 25 Ask Me Anything #1
August 13, 2019 21:30 - 13 minutes - 21.2 MBI answer your questions about saving money, credit cards and superannuation. Questions Q: How do I save more money? I have a full-time job and earn good money for my age, but I can't seem to be able to save money. Q: Is it a good idea to get a credit card? I am thinking of going travelling and have heard that its good for points? Q: Should I put more money into superannuation? I am 25 years old and work as a high school teacher, and people at work are always telling me I should put m...