Cash Talk

Everyone is waiting for the market to crash. But are you actually prepared for it?

In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and John Koutsouroupas (JK) unpack how to prepare for a market crash, not just financially, but emotionally and behaviourally.

John and JK also discuss past asset performance, the risk and return trade-off, our bucketing strategy we use with clients, and how market volatility and the decisions you make during these periods can impact your lifestyle. 

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Everyone is waiting for the market to crash. But are you actually prepared for it?

In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and John Koutsouroupas (JK) unpack how to prepare for a market crash, not just financially, but emotionally and behaviourally.

John and JK also discuss past asset performance, the risk and return trade-off, our bucketing strategy we use with clients, and how market volatility and the decisions you make during these periods can impact your lifestyle. 

Enjoyed this episode and want to hear more?

⁠⁠⁠Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠

⁠⁠⁠⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠Follow JK on Instagram: Instagram (@jkoutsouroupas)⁠⁠⁠

⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠⁠⁠⁠

Have a question you'd like answered?

Reach out to us via our Instagram pages above.

“I wish I’d started sooner” is something we hear from clients all the time, and it’s rarely just about money. 

In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and Mason Thorn explore the lessons their clients have learned over time and what they wish they had done differently earlier in life.

They discuss the cost of inaction, the trade-offs between time and money, and why getting the balance right matters when it comes to building a future for yourself and your family without sacrificing the life you want today.

Enjoyed this episode and want to hear more?

⁠⁠⁠Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠⁠

⁠⁠⁠⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠Follow Mason on Instagram: Instagram (@mason.thorn)⁠⁠⁠

⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠⁠⁠⁠

Have a question you'd like answered?

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Retirement might feel far off, but what you do in the years leading up to it can make a big difference to the life you live in your later years.

In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and Ayten Ozder explore what changes financially in the years leading up to retirement, what you need to consider, and why this period can play such an important role in shaping your financial future. 

John and Ayten discuss the transition from wealth accumulation to wealth preservation, the impact of longevity risk, finding purpose in retirement, inflationary pressures, and the risks of relying on inheritances and Social Security benefits. 

Enjoyed this episode and want to hear more?

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⁠⁠⁠Follow Ayten on Instagram: Instagram (@aytenozder_finance)⁠⁠⁠

⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠⁠⁠⁠

Have a question you'd like answered?

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Budgeting can help you manage your money, but wealth isn’t built by restricting what you spend.

In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and Andrew Menegas unpack why budgeting alone isn’t enough to build wealth, and what needs to work alongside it. 

Join John and Andrew as they discuss recent comments from Albanese around government control of Australians’ superannuation, the pain versus pleasure concept, and what true wealth means beyond money. 

Enjoyed this episode and want to hear more?

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⁠⁠⁠⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠Follow Andrew on Instagram: Instagram (@andrewmena_finance)⁠⁠⁠

⁠⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠⁠⁠⁠

Have a question you'd like answered?

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What if the biggest thing holding you back isn’t external, but your own mindset and behaviour?

In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and Mason Thorn start by unpacking the recent Federal Budget before exploring the role that fear, emotion and mindset can play in our financial decisions and the way we approach life.

They discuss how the fear of change and the unknown, scarcity thinking and beliefs we’ve inherited can create invisible limits on what we believe we can achieve. They also explore how recognising these behaviours and breaking through those barriers can help us make better decisions and ultimately achieve more in both our finances and our lives.

Subscribe to John’s letters here.

Enjoyed this episode and want to hear more?

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⁠⁠⁠⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠Follow Mason on Instagram: Instagram (@mason.thorn)⁠⁠⁠

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When we ask couples if they talk about money, they usually say yes, but often the conversation is limited to bills, expenses and who manages the finances. 

The real conversation is about the life you’re building together and what you’re working towards.

In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and Andrew Menegas explore the key money conversations every couple should be having to create alignment, make informed decisions and work towards a shared financial future. 

Join John and Andrew as they discuss the importance of having a shared vision, understanding the trade-offs required to achieve your goals, and turning those conversations into a clear financial plan.

Enjoyed the episode and want to hear more?

⁠⁠Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠

⁠⁠⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠

⁠⁠Follow Andrew on Instagram: Instagram (@andrewmena_finance)⁠⁠

⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠⁠

Have a question you'd like answered?

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What happens when a lifetime of hard work and wealth is passed down to the next generation, but fails to create lasting wealth for the generations that follow?

In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and John Koutsouroupas (JK) explore why inherited wealth so often fails to translate into long-term family wealth, and the strategies families can put in place to preserve, manage and build wealth that lasts beyond them.

Enjoyed this episode and want to hear more?

⁠⁠Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠

⁠⁠⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠

⁠⁠Follow JK on Instagram: Instagram (@jkoutsouroupas)⁠⁠

⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠⁠⁠

Have a question you'd like answered?

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John and JK discuss the significant intergenerational wealth transfer underway as Baby Boomers pass wealth to Millennials, the importance of getting estate planning and structures right, and why family conversations can be just as important as the financial strategy.

Most people don't fall short of building wealth through investing because of what they invest in, but because they fail to remain consistent when it matters most.

In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and John Koutsouroupas (JK) discuss the critical role investor behaviour plays in long-term wealth creation.

John and JK explore the reasons people stop investing, the hidden cost of reacting to short-term market movements and chasing performance, and why aligning your investment decisions with a clear, long-term plan is one of the most powerful drivers of financial success.

Enjoyed this episode and want to hear more?

⁠⁠Follow Cash Talk on Instagram: Instagram (@thecashtalkpodcast)⁠⁠

⁠⁠⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠

⁠⁠Follow JK on Instagram: Instagram (@jkoutsouroupas)⁠⁠

⁠⁠⁠⁠⁠Follow Thriving Wealth on Instagram: ⁠Instagram (@thriving.wealth)⁠⁠⁠⁠⁠⁠

Have a question you'd like answered?

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Without a clear plan, a roadmap for the future, and expert guidance, it can be difficult to know whether the financial decisions you're making today are leading your family towards the life you're working so hard to create.

In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and Anthony Caligari answer some of the most common questions they receive from families looking to build wealth for their future while enjoying life today. 

John and Anthony answer your questions, including:

• How do families travel regularly without using debt or falling behind financially?
• We're considering private schooling for our children. How do we know if it's financially achievable? And how can we prepare for the cost?
• We want to upgrade our home. How do we know if we can afford a bigger mortgage?
• We've got money sitting in offset and savings. Should we be doing something more with it?

Enjoyed this episode and want to hear more?

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⁠⁠⁠⁠⁠Follow John on Instagram: ⁠Instagram (@thejohncachia)⁠⁠⁠⁠⁠⁠

⁠⁠Follow Anthony on Instagram: Instagram (@acaligari_finance)⁠⁠

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If you've been asking yourself these same questions, this episode will help you better understand what's possible, what to consider, and how to make informed financial decisions for your family's future.