Most people think they’re “saving” — they’re really just parking cash and calling it progress. In this episode, Zeke and Oscar break down the six most common saving mistakes they see every week and show you how to fix each one fast. We cover separate banks for savings vs spending, a simple budgeting model that actually works, cash drag and inflation, “saving to spend” (holidays, cars), automation that removes willpower, and why you should clear high-interest debt before you “save”. We also hit DCA vs lump sum, lifestyle creep, emergency funds, and the small wins that keep you consistent.

You’ll learn:

• The separate-bank setup that stops impulse transfers
• 3-bucket budget (fixed / variable / discretionary)
• How to avoid cash drag and set a cash threshold
• Why “saving for a holiday” isn’t wealth building
• Quick automation wins (+$10/month growth buffer)
• A simple rule for debt vs investing decisions

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Disclaimer:
The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.