Mo Money

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!

This episode of the Mo Money podcast is on the five super hacks that you can use right now, even if you think it's too late. So, super is not that interesting, but it is super important, and some little changes can make a huge difference. So, we're going to unpack carry-forward contributions, spouse splitting - and no, that's not a divorce strategy - backdating and pre-paying: basically the timing tricks that can save you tax, your investment mix and why it probably sucks, and not letting your super die with you, basically the recontribution strategy and how to run your nomination. So, this episode is perfect for anyone that wants to make sure they're making the most out of what will end up being one of their biggest assets. 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.

Betsy Westcott, a seasoned financial wellness coach specializing in money psychology, dives into the emotions that govern our financial choices. She uncovers how fear, shame, and guilt can cloud judgment and shares strategies for overcoming money avoidance. By linking debt to personal goals, she reframes fear and highlights the importance of financial education. Betsy emphasizes celebrating small wins to combat perfectionism and the value of mindfulness to combat lifestyle creep. With insights on leveraging partner strengths, she offers practical tips for anyone looking to enhance their financial clarity.

In this episode of the Mo Money podcast, we talked to Ben Kingsley on how to retire on three grand a week. So, Ben is a property guy, a mortgage broker, and he's just put out a book on, essentially, how to retire on $3,000 a week. So, he talks about how you can actually do that with property, what the strategy is as you're building your assets, as well as when you're transitioning to actually living on those from an income perspective. He gets into a bit around borrowing structures, the property areas at the moment that he's seeing good value in, and what property investors should be thinking about to get the right results when they buy property. This episode is perfect for anyone that wants to understand what they can do to build another income through property investing. 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.