When thinking about retirement a lot of people only focus on their finances, but there is a lot of other elements which are also important to think about when planning for this next stage of life. Today Marc is joined by Professor Joanne (Jo) Earl. UNSW. M.Psych; PhD (Psychology) who is a psychologist and researcher at Macquarie University. Her program of research focuses on developing solutions to improve pre and post retirement planning at both the individual and organizational level along with identifying predictors of retirement adjustment for retirees. In this Episode, Jo talks about her ‘holistic retirement planning’ research as health and your next big challenge is just as important as the finances. As we all want to make sure the transition to this next stage of life is a positive experience as everyone deserves to retire and on their own terms.

There latest study is looking for participants who are over 50, paying into superannuation and still working. If you are interested could you click on the QR codes above.

the QR codes have the following link https://uwa.qualtrics.com/jfe/form/SV_a5h1Cbkx9o4shvM

Macquarie University Professor Joanne Earl Profile https://researchers.mq.edu.au/en/persons/j-k-earl The Money Sandwich https://themoneysandwich.com/ 

Did you know more people become millionaires through property than any other investment type. This has been true for over 100 years. But with such a large purchase it’s easy to make a mistake, as few of us are experts. It’s why we need to gain the knowledge and understand what the wealthy have been teaching their children for generations, as it’s all about good debt and leveraging.

Today Marc is joined by Rich Harvey, who is the CEO and Founder of Propertybuyer. Rich is a licensed real estate buyers’ agent, and professional economist with over 20 years’ experience in the property industry. He provides valuable insights for when buying property, what to look out for, including some of the major pitfalls, and what the current trends are so you are more equipped when buying that next property or considering their expert services.

Propertybuyer: https://propertybuyer.com.au/ The Money Sandwich https://themoneysandwich.com/

Whether you are a first time buyer or looking to add to your property portfolio, buying property isn’t something you do everyday. So it’s important to understand what specialists you need to help you make the best choice. As it’s a very expensive mistake if you get it wrong. On today's episode Marc is joined by Phillip Allen, Director of My Debt Adviser, who is going to help go through the Who’s who when buying property. He will also provide some valuable insights and tips on being as well prepared as possible, when applying for your mortgage loan.

My Debt Adviser: https://mydebtadviser.com.au/ The Money Sandwich https://themoneysandwich.com/

While most know the name Grant Hackett well and remember his race for gold back at the 2000 Olympics in Sydney, but many would not know he is now the CEO of Generation Life Investment Bonds. For us in the Finance profession, investment bonds are one of those best kept secrets, which really everyone should know about. Anyone thinking of saving for a long term project such as their children’s education or deposit for a new property - investment bonds with their unique tax benefits, make saving for any long term project that much easier. So I am thankful to have Grant here today to talk about investment bonds, why he sees so much benefit in them, and will also touch on his sporting background especially how being coached or mentored in any aspect of life, not just sporting, makes reaching goals so much easier. Also look out for Grant’s 'final bite', for his best piece of advice that his Dad provided him around the 40 minute mark.

Generation Life Investment Bonds https://genlife.com.au/ The Money Sandwich https://themoneysandwich.com/

Do you know what to do if your parents need assistance, or need to move into aged care? Sometimes we can plan for this but more often than not, it is thrust upon us say with a major health issue and usually we are not prepared, don’t know what to do or where to turn to for help. Today I’m talking with Louise Biti, the co-founder and Director of Aged Care Steps. Louise will be talking about the realistic challenges you face with ageing parents, how you can help, and importantly understand you are not alone and there is help available. Louise will also provide her top tips to help you make informed decisions about when your parents need to take these next steps.

Aged Care Steps https://agedcaresteps.com.au/ Don't Panic Aged Care Survival Guide – Louise Biti’s Book https://www.boffinsbooks.com.au/books/9780646801124/dont-panic-aged-care-survival-guide My Aged Care https://www.myagedcare.gov.au/ The Money Sandwich https://themoneysandwich.com/

Listen to our guests share the best piece of advice they have learnt from friends and family over the years that have helped shape their lives and made them the success they are today. Some great gems and pieces of wisdom to learn from and share.

Are you tired of full-time work? Are you thinking about what’s next? Transitioning to the next phase of your life can be really hard without the proper guidance and forward thinking. Today Marc talks with Natalie Yan-Chatonsky, the founder and CEO of Full Time Lives. Nat talks about transitioning to retirement, or as she says transitioning to full-time living. Hear Nat’s five key ingredients to achieve a sustainable transition to full time living.

Full Time Lives https://fulltimelives.com/ Full Time Lives Quiz https://fulltimelives.com/quiz The Money Sandwich https://themoneysandwich.com/

Any good life or financial plan has a safety net, as who knows what’s around the corner! Estate planning is planning for the unknown and is more than just organising your Will. We want to make sure we don’t leave any unnecessary legal and tax trouble for our loved ones. Today Marc talks with Katrina Brown, the Practice Director of Nautilus Law Group, who has been specialising in estate planning law for over 20 years. Katrina talks about estate planning in easy to understand language without the complex legal jargon, and especially listen out for why we should all know about Testamentary Trusts. By the end you will know what’s important and what decisions you need to consider today, so you can enjoy a stress-free estate tomorrow, with lots of practical tips and help along the way.

Nautilus Law Group https://nautiluslaw.com.au/ STEP Australia https://stepaustralia.com/ The Money Sandwich https://themoneysandwich.com/

Tim Henry is a financial adviser with a difference. Apart from running a very successful Melbourne based practice called Aspire Planning, he also hosts the very popular podcast The Grass is Greener. As he says in his podcast he discusses everyday financial challenges with inspiration and education to help people make awesome personal and financial decisions. Hear his thoughts and ideas for a comfortable retirement with purpose, especially his top 3 money tips at the end of the show.

Aspire Financial Planning - Financial Advisors in Bayside, Melbourne (aspireplanning.com.au) Podcast - The Grass Is Greener Podcast (tgigpodcast.com.au)

Chris and Wendy Sparks have always been ahead of their time, working remotely and acting on a sea change long before it became popular especially through COVID.

Listen to their journey from busy executive and health professional, to their transition to the farm by the sea in beautiful south coast of NSW and now about to be fully retired. What worked, what surprised them and why they would never move back to the big smoke!