Plenty of podcasts focus on building wealth – and that's great, as far as it goes. But focusing just on wealth misses the point. I believe what most of us actually want is to have choice. Choice in how much time we give to income-producing activities. Choice about what those income-producing activities are. Choice about where we live. Choice about when we retire. Choice about the ways we use our money to produce happiness. In the Financial Autonomy podcast, I explore the different ways you can…
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What if an investment structure that has been easy to overlook for years is suddenly about to become much more attractive? The upcoming changes to the way investments are taxed could shift the maths for anyone building wealth outside super. So, c ould investment bonds now help you keep more of your returns compounding, reduce tax along the way and offer benefits that personal investing or a family…
Paying off debt as fast as possible sounds like an obvious financial win. It can mean less interest, fewer repayments, and more money left for you. But when you have a mortgage, investment debt, personal loans or money sitting in an offset, the smartest move is not always as simple as throwing every spare dollar at the balance. Which debt should you tackle first? Is refinancing actually saving you…
What if one of the biggest changes to how Australians invest is about to happen, and hardly anyone here is talking about it? US sharemarkets are moving towards near-24-hour trading, which could make it much easier for Australians to invest directly in the world's biggest companies during our own business hours. For anyone who has built their portfolio through the ASX, that raises some…
Want to retire earlier, cut back your hours or reach the point where work becomes optional? A lot of people in their 40s and 50s assume financial independence is still years away because they do not have millions sitting in an investment portfolio. But that may be the wrong number to focus on. If your super is on track to support you from 60, the real challenge may be much smaller: how do you fund…
Australian investors have spent decades being told there are good reasons to keep a big chunk of their money at home. We've got franking credits, familiar companies, and the big banks and miners. But what if that old investing playbook is starting to work against you? Over the past decade, the gap between Australian and US sharemarket returns has been enormous. At the same time, some of the…
Most investors worry about taking too much risk. But what if the bigger problem is that you are not taking enough? Choosing how much risk to take with your money can have a huge impact on what your investments are able to do for you. Get it wrong and you could either expose yourself to losses you are not prepared for, or spend years investing only to find you have made it much harder to reach the…
Buying property with family can seem like a smart way to help your kids, pool your money or make a deal possible that none of you could manage alone. Until someone wants out. But what happens if someone wants out, a relationship breaks down, or the family disagrees about who owns what? In this episode, Nick and Paul unpack five real family property deals that ended in court. Each case reveals a…
You're earning good money. You're busy. And the last thing you need is a wealth-building strategy that feels like another job. Because building wealth should not mean spending your evenings researching shares, sorting through dividend statements or wondering whether you should change your investments every time the market moves. In this Financial Autonomy Essential, Paul shares seven ways to make…
For decades, the family trust has been treated as the go-to structure for Australians building serious wealth. But what happens when the rules that made trusts so attractive begin to change? Suddenly, the structure many investors have relied on for tax flexibility, capital gains concessions and passing wealth between generations may no longer be the automatic choice. And a much less fashionable…
You may know how much is sitting in your super. But do you know whether it is enough to retire when you want to? Could you stop work at 60? Would your money last? Or could you already have more options than you realise? In this Financial Autonomy Essential, Paul explains how to assess whether you are on track for retirement and what the answer could mean for the years ahead. Because being on track…
If you have been watching the news and wondering whether your investments are about to get hit, you are not alone. Over the past year, investors have had plenty to worry about. War, inflation, interest rate changes, property pressure and constant talk of an AI bubble. Yet markets have not behaved the way many people expected. So what actually happened? Why did some markets keep climbing despite…
Imagine reaching a point where your pay cheque is no longer the only thing keeping your life running. You could reduce your hours, change careers, retire earlier or simply have more freedom to decide what comes next. That is the promise of passive income. But the path to getting there is often very different from the effortless version sold online. In this Financial Autonomy Essentials episode, we…
