In this episode of Money Mastery with Marshy, I sat down with Terry Condon, the founder of the Cash Flow Co.

A personal finance education and coaching company on a mission to equip 5 million Aussies with the skills and smarts to achieve financial self-reliance by 2030. 

In this conversation, we explored what true financial security really means. 

It’s not about chasing shortcuts or quick fixes… 

It’s about developing the right habits, understanding how money works, and making choices that align with your goals. 

We questioned the popular FIRE (Financial Independence, Retire Early) movement, debating whether it truly leads to happiness or if there’s more to financial freedom than just early retirement.

Terry shared his personal journey—how he once saw money as something external, something to chase. But as he gained experience, he realized that real financial independence comes from within. 

It’s about developing skills like income mapping, future planning, and cash flow forecasting—tools that help people build wealth while also reducing financial stress.

We also touched on a topic many couples struggle with—money in relationships. Terry explained how setting shared financial goals and communicating openly about money can strengthen partnerships instead of creating tension. By proactively managing finances and separating income from expenses, people can feel more in control, less anxious, and more free to live the life they truly want.

By the end of our conversation, one thing was clear: financial freedom isn’t about having more money—it’s about having more choices. And with the right skills, awareness, and planning, anyone can build a life where money serves them, not the other way around.

This episode is a must-listen for anyone ready to take charge of their financial future and unlock a life full of choice.

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