Money Minded

Ask us a question or suggest a topic 🤙We all have different ideas about money. And that can make it tough to talk about, especially with your partner. In this episode, Ryan and Terry tackle 'the money talk' and how to avoid the big pitfalls that only fuel the vicious cycle of tension and conflict that can occur.Also in this episode:The four stages of team development (and which stage couples often get stuck at when it comes to money).Why our partners might resist the money chat, and where that resistance comes fromThe simple, three-part model that can help you guide a money conversation to keep it constructive (even if this has never happened before).Show notesClick here for the show notes, links to all resources mentioned and a full transcript.Project zeroClick here to find out more about project zeroFour factors trainingClick here to unlock the insiders training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources. Follow us on InstagramClick here  to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Turn insights into action with Terry's episode coach FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?Watch the first module of the money mentorship to find out. Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes. To save your spot, click here Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.🔗 https://www.facebook.com/groups/4609737389252111 Find out your financial skill scoreDo you have the money skills to fund your goals? Take the 4 minute quiz here🔗 https://financ...

Ask us a question or suggest a topic 🤙Read Ultimate GuideIn this episode, Ryan and Terry discuss a clever way to use equity in your home to build an ever growing stream of passive income. Financially savvy Aussies are using this little known strategy to pay off their home loan faster, save tens of thousands in tax, and accelerate their path to financial freedom. If you've been concerned that paying down debt is limiting your ability to grow your wealth, this episode is for you. Also in this episode:How debt recycling is like fitness trainingWho should and shouldn't pursue this strategy. The essential ingredients that must be true for this approach to work. The 6 steps for executing this strategy with precisionA fully worked example with actual numbers and assumptionsThe key considerations relevant that play a role in how effective this can be. Show notesClick here for the show notes, links to all resources mentioned and a full transcript. Project zeroClick here to find out more about project zeroFour factors trainingClick here to unlock the insiders training. Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.  Follow us on InstagramClick here  to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Turn insights into action with Terry's episode coach FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?Watch the first module of the money mentorship to find out. Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes. To save your spot, click here Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.🔗 https://www.facebook.com/groups/4609737389252111 Find out your financial skill scoreDo you have the money skills to fund your goals? Take the 4 minute quiz here🔗 https://financ...

Ask us a question or suggest a topic 🤙Debt is a pretty polarising concept. Some people love it, and it lures them into a lifestyle they can't afford. Others use it to accelerate their wealth. Others still avoid all forms of debt like the plague. In this episode, Ryan and Terry explore the various properties of debt and how the concept of debt interacts with our psychology and our circumstances.Also in this episode:The two different types of debtThe simple rule of thumb to know whether debt will be painful or usefulWhy and how debt can be a magnifier in the short term, but an accelerator in the long term.The debt quadrant: a simple tool for making informed decisions about debt.The four principles of proper lending: how to avoid financial suicide.Click here for  Show notesPrivate podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources. Click here for FREE insiders trainingFollow us on Instagram Turn insights into action with Terry's episode coach FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?Watch the first module of the money mentorship to find out. Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes. To save your spot, click here Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.🔗 https://www.facebook.com/groups/4609737389252111 Find out your financial skill scoreDo you have the money skills to fund your goals? Take the 4 minute quiz here🔗 https://financ...

Ask us a question or suggest a topic 🤙In this episode, Terry chats with award winning mortgage broker and property advisor Chris Bates. Chris dispels the myths around mortgages and shares some of his best insights for navigating property purchase decisions and securing loans for property. If you're in the market for a new property soon, or maybe you're even looking to refinance and you want to make sure that you're making smart money moves with debt and property, this episode is going to give you a really firm foundation for clear thinking.Also in this episode:Why first home buyers games mainly benefit the government, not you the buyer, and exactly how much (warning: this might shock you) The most common mental mistake Chris see's people make when making decision about how much debt to get. How to think about the fixed versus variable interest decision and who wins (you or the bank) long-term according to the stats.The exact process and path that Chris took to purchase his own property and the tools and tricks that he recommends for prospective buyers.How shifting trends in property purchasing post COVID might impact for those looking to buy a property that appreciates in value over time.Show notes:https://cashflowco.com.au/pip23/Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources. Unlocked insiders training: four factorshttps://cashflowco.com.au/fourfactors/ Turn insights into action with Terry's episode coach FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?Watch the first module of the money mentorship to find out. Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes. To save your spot, click here Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.🔗 https://www.facebook.com/groups/4609737389252111 Find out your financial skill scoreDo you have the money skills to fund your goals? Take the 4 minute quiz here🔗 https://financ...

Ask us a question or suggest a topic 🤙It's true that the best investment you'll ever make is the investment you make in yourself, but that doesn't mean it's easy. No one ever really explains how we should think about making these investments in our future. And at the same time, the internet has unlocked a universe of possibilities, but more choice often makes choosing harder.   In this episode, Ryan and Terry discuss how they think about using money to make time and talent more productive. If you've ever been paralysed by inaction or wasted money on courses and programs in the past, this episode is for you. Also in this episode:The counterintuitive strategy that fast tracks personal and professional progress.  How the worlds highest paid people think about allocating their time to make their highest contribution.The simplest way to uncover your signature strengths.7 simple questions to assess any development opportunity. Show notes and resourceshttps://cashflowco.com.au/pip22/Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources. Four factors traininghttps://cashflowco.com.au/fourfactors/ Turn insights into action with Terry's episode coach FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?Watch the first module of the money mentorship to find out. Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes. To save your spot, click here Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.🔗 https://www.facebook.com/groups/4609737389252111 Find out your financial skill scoreDo you have the money skills to fund your goals? Take the 4 minute quiz here🔗 https://financ...

Ask us a question or suggest a topic 🤙In this episode, Ryan and Terry discuss the most powerful insight they've learned for realising potential and achieving big ambitious goals. If you've set big goals for the year and what the cheat code for success, this episode is for you. Also in this episode:The biggest mistake we tend to make when going after our goals - and why the smartest people are the most prone to making this mistakeThe simple if-then rule that completely changes what's possible by unlocking latent potential and freeing up our time. An easy way to make decisions about how to use money to leverage this insight and achieve your goals without burning out. Show notes and links:https://cashflowco.com.au/clone-of-family-finance-how-to-get-ahead-on-a-middle-income-with-kids/?preview=truePrivate podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources. Four Factor Insiders Training:https://cashflowco.com.au/fourfactors/ Turn insights into action with Terry's episode coach FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?Watch the first module of the money mentorship to find out. Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes. To save your spot, click here Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.🔗 https://www.facebook.com/groups/4609737389252111 Find out your financial skill scoreDo you have the money skills to fund your goals? Take the 4 minute quiz here🔗 https://financ...

Ask us a question or suggest a topic 🤙In this episode, Terry chats with Leigh aka Family Finance of Youtube. Together they discuss the ins and outs of supercharging savings for a family earning a middle income with multiple children and a mortgage. If you've been looking for some inspiration or even a bit of a kick up the butt, this episode is for you. Also in this episode:The big life moment that made Leigh suddenly start taking saving and investing more seriously. How money is managed in the Family Finance home. Leigh's distinction between saving and delayed spending Her secret for keeping living expenses below 5.5k per monthHow her idea of investing has changedHer top 3 resources for those getting startedepShow notes and links:https://cashflowco.com.au/familyfinance/Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources. Four Factor video training:https://cashflowco.com.au/fourfactors/ Turn insights into action with Terry's episode coach FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?Watch the first module of the money mentorship to find out. Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes. To save your spot, click here Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.🔗 https://www.facebook.com/groups/4609737389252111 Find out your financial skill scoreDo you have the money skills to fund your goals? Take the 4 minute quiz here🔗 https://financ...

Ask us a question or suggest a topic 🤙In the second episode of their two-part series on sustainable saving, Ryan and Terry pull back the curtain on their unique method for money management. The guys explain what money mapping is, and the important ways it differs from most popular prescriptions. Then they dive into a detailed explanation of the seven principles it is built on. If you've been looking for an evidence-based approach that works with the way you're wired instead of against it, this episode is for you. Also in this episode: How to use the brains inbuilt instinct to automatically improve your personal finance decisions. How to make money management addictive and enjoyable so that it becomes sustainable. The surprising cause of impulse purchases and overspending. How to spend money without feeling guilty. The number one way to obliterate financial stress and anxiety (or how money is like sand when we use it the wrong way). What emotionally charged political stoushes on Facebook have to do with percentage-based saving prescriptions. How to get as motivated as 'Tony Robbins on crack cocaine' to master your money life. Why focusing on what you saved is dumb (and what to do instead). Show notesFind the ultimate guide here 👉 https://cashflowco.com.au/pip19/Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources. Learn more about the 12 week money mentorshipFREE training: Four factor cashflow analysis Turn insights into action with Terry's episode coach FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?Watch the first module of the money mentorship to find out. Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes. To save your spot, click here Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.🔗 https://www.facebook.com/groups/4609737389252111 Find out your financial skill scoreDo you have the money skills to fund your goals? Take the 4 minute quiz here🔗 https://financ...

Ask us a question or suggest a topic 🤙In the first of two episodes, Ryan and Terry explain their 6 week hiatus, and lift the lid on exactly how their approach to money management differs from popular personal finance prescriptions.  Also, in this episode. The faulty assumption most savings solutions are based upon (and how it leads us astray) The big problem with popular personal finance prescriptionsThe single question at the source of all money worriesThe only way to break up with money worries for good. Show noteshttps://cashflowco.com.au/save-money-sustainably/Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources. The ultimate guide: how to save sustainably and break up with money worries for goodhttps://cashflowco.com.au/save-money-sustainably/FREE training: Four Factor cashflow analysishttps://cashflowco.com.au/fourfactors/ Turn insights into action with Terry's episode coach FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?Watch the first module of the money mentorship to find out. Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes. To save your spot, click here Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.🔗 https://www.facebook.com/groups/4609737389252111 Find out your financial skill scoreDo you have the money skills to fund your goals? Take the 4 minute quiz here🔗 https://financ...

Ask us a question or suggest a topic 🤙Spending less doesn't have to mean deprivation. In this episode, Ryan and Terry chat with Gab Pappalardo. Gab has been a part of the program since day one and in this episode she talks about her transformation from 'material girl' to elite money manager and informed investor.Also in this episode:The moment Gab thought 'maybe this isn't for me' (and what caused her big backflip).How to find the balance between saving and investing for later and living in the now. How to spend $1500 in a night and feel zero guilt. How to use a 'project mentality' to work on different areas of your life.  The left field (non money) book recommendation that had the biggest impact on her journey. Show notes:https://cashflowco.com.au/episode17/Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources. Turn insights into action with Terry's episode coach FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?Watch the first module of the money mentorship to find out. Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes. To save your spot, click here Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.🔗 https://www.facebook.com/groups/4609737389252111 Find out your financial skill scoreDo you have the money skills to fund your goals? Take the 4 minute quiz here🔗 https://financ...