Mo Money

In this episode of the Mo Money podcast, we talk about how to build wealth if you're starting late, and this is something that we see a heap from people that reach out to us. I think a lot of people naturally sort of feel behind, but there is a window, and the window does tend to close with every week, month and year that goes past. And so we want to talk about, if you are feeling a little bit late to the game, what are the things that you should be thinking about now to make sure that you're taking advantage and putting yourself in a position of strength to live the lifestyle that you want, not just today, but into the future as well, and so that you're not going to be forced to work forever. This episode is perfect for anyone that doesn't want to be forced to work forever, and wants to have the freedom and flexibility in the future. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Dive into the secrets of savvy property buying with brilliant insights on current market trends and first home buyer schemes. Discover how to define success by investing for lifestyle rather than merely accumulating properties. Learn about leveraging investments, the impact of automation on savings, and strategies to reduce entry costs. Explore advanced structures like trusts to maximize tax benefits, and understand the pros and cons of government co-ownership. Get actionable tips to avoid common pitfalls and accelerate your journey towards financial freedom.

Discover the potential for financial growth in 2026 by embracing key strategies for your money. Explore market trends and how AI can boost productivity. Learn about the importance of setting up an automatic saving system and capturing pay raises without falling prey to lifestyle inflation. Focus on high-impact moves rather than getting lost in many small changes. Get expert advice to prevent costly mistakes, and stay on track with monthly reviews of your financial plan. Protect your future by planning for unexpected events like redundancies.

Discover the latest APRA mortgage rule changes and how they impact property investors in Australia. Learn about the new debt-to-income cap and its implications for borrowing. Explore the reasons behind stricter lending rules, focusing on rising household debt and investor share. Hear about the risks of regional property investments and how the six-times income limit could affect various investors. Plus, find out how savvy investors can capitalize on opportunities with non-bank lenders and trust structures. Get insights on navigating these changes effectively!

Discover how to sell your investment property without incurring capital gains tax! Learn about Australia’s six-year rule and how it connects to the main residence exemption. The hosts dive into strategies for maximizing your gains while navigating first-home buyer schemes and rental deductions. Explore how your residency status can affect tax benefits and hear tips on valuing properties effectively. Perfect for property investors wanting to keep more of their profits!

Explore the pitfalls of earning a hefty $500k without building real wealth. Understand how lifestyle choices and high expenses can quickly drain your income. Learn the importance of financial targets and automated savings to keep you on track. Discover how to strategically leverage your peak earning years into tangible assets rather than lifestyle inflation. Dive into the psychology of spending and the need for objective financial advice to align goals as a couple. Smarter money moves start here!

Explore the staggering $600,000 cost of private schooling and its impact on your finances. Delve into the soaring inflation of private school fees and how it can stall saving and investing. Learn the crucial long-term effects of choosing private education versus investing elsewhere. Discover clever funding strategies like investment bonds and tax structures to ease the financial strain. Finally, consider alternative paths like tutors or property investments that could benefit your children’s future.

Explore the allure of offset accounts and why they can be a trap for your finances. Discover common mistakes people make that could hinder long-term wealth. Compare the returns of offset accounts versus share market investing over the years. Learn when it makes sense to use an offset and how to establish an effective emergency buffer. Gain insights into disciplined spending and making your surplus cash work harder, while avoiding the 'good enough' mentality. It's a deep dive into smarter money management strategies!

This discussion dives into the essential world of inheritances and intergenerational wealth. Listeners learn about tax implications on various assets, including cash, property, and investments. Common mistakes in handling inheritances are highlighted, along with smart strategies to ensure legacies last. The importance of timing in investments and the power of compound growth are emphasized. Ultimately, practical advice on maximizing financial benefits for future generations is shared, making it a must-listen for anyone involved in wealth transfer.

Delve into five pivotal rules for high-income Australians aiming to maximize their wealth. Discover why high income should build assets, not merely reflect success. Learn the pitfalls of misleading net worth numbers and the importance of automating investments. Understand the benefits of smart borrowing and structured financial decisions over sheer discipline. Finally, gain insights on tax strategies to amplify returns and protect your assets effectively. Embrace these rules for genuine financial security!