We welcome back Queen Chilenga, a financial social worker providing education and coaching in the Kalgoorlie community is eastern WA.  Queen has first hand experience in dealing with couples that fight over money and the causes and potential solutions.  Drawing on some excellent research from the Journal of Social & Personal Relationships done in 2023, we discuss important issues around themes in a couple including fairness, equality and balance, together with compromise and approaches to better budgeting and financial management in couples.  Part 1 of an excellent 2 part series.

Maybe there's a silver lining to the proposed super tax.  Michelle Griffiths of TAG Financial Services returns to put forward some great ideas about what can be done about working with the proposed new super tax structures.  Maybe the sky isn't falling down around our ears at this time?  Check this interview out for great tips and tricks on the next steps in adjusting and calibrating your superannuation, always value add on Dollars & Making Sense

A year ago Biden was still in the presidential race, Trump had been shot and Albo was written off by the media as a lost cause.  So what's happened in 12 months, and what's the impact on investing, money supply, interest rates and the general outlook?  We welcome back CEO of Coredata, of the world's leading financial research houses to discuss what's going on, and whether "boring is the new sexy".  Some key takeways you don't want to miss on Dollars & Making Sense, a weekly show about finance, money & investing.

We welcome a new guest this week, Paul Miron from MSquared Capital who will explain what is private credit.  Why is it so popular now and what are some key requirements to keep in mind when considering investing in this emerging asset class.  Private credit is not new however the growth of the sector in the past 5 years has made it a special case for increased education, one that OTG Capital and many other companies, including MSquared now participate in.

We welcome back Stuart Sheary, subject matter expert from the Institute of Financial Professionals Australia (www.ifpa.com.au) to discuss what are the common tips and traps surrounding contributions to your retirement (superannuation!).  There is much discussion at this time around proposed legislative changes, yet many are still forgetting the basics, and its worth going back over for sure.  This includes the work test, concessional and non-concessional contributions, spouse contributions and a number of others.  Important stuff to ensure you take full advantage of your entitlements and tax effective investing.

If you're getting payments from Services Australia, its part of your responsibilities to let them know when things change.  It may surprise you, but the government don't monitor everything you do, and no, they can't read your minds either.  We welcome back Justin Bott, Community Information Officer to assist in explaining what needs to be done to ensure you continue to get the right rate of payments and no surprises.  You'll enjoy this interview and remember the golden 14 day rule to inform whenever something changes.  And if you're not sure?  Notify early and notify often!

What is the $3m super cap all about?  We welcome back Stuart Sheary, subject matter expert from IFPA (www.ifpa.com.au) to help explain all the proposed changes that are being legislated later this year when parliarment resits.  Is the sky falling down, or are we right to be concerned.  Is this just a negotiating strategy to ask for a lot and then settle on a something more acceptable.  Stuart and Ray discuss a number of angles and views from professionals involved in the day to day running of this proposed change in super laws.

Now is the time to be preparing for your tax returns and if you're receiving a government payment of any sort, we have Justin Bott from Services Australia to explain what needs to be done.  There are certain things you can do to make those tasks easier which includes the government website and some easy calculator tools. Tune in to find out a great freeby offer to help those who might struggle with technology too.

In our final installment on life cover inside superannuation, Natasha Panagis from IFPA elaborates on the detail of temporary incapacity and how that varies with the other types of life cover in previous episodes.  There are tax benefits and tips & traps to be aware of, tune in to find out why this form of cover is increasingly important for those needing to ensure continuity of earnings.  This wraps up and brings together an important element of how super not only saves for your retirement, yet also can incapsulate insuring your most important asset - You!

Go woke, go broke?  Maybe not, we meet Ray Kan from Daintree Wealth, an experienced financial planner that specialises in ethical investing and has a track record to show that doing the right thing can pay off, just as well as making other choices.  Even though many industries today are legal, we may not always be comfortable putting our long term faith and investments in those fields.  Ray discusses how he listens carefully to his clients and provides avenues and opportunities to realise financial goals as well as doing the right things.  Some great advice along the way as well, including "don't be a spectator", great education on Dollars & Making Sense.  The organisation mentioned in the show can be viewed at https://www.responsibleinvestment.org/.