Down To Finance

First of all Merry Christmas and Happy New Year.

In this part 2 of the superannuation Christmas special

Expect to learn

• How to merge two super accounts
• How important is it to look at your super account fees
• 5 tips for middle to low-income earners to get the most out of their super
• Why are there specific super accounts for different work industries?
• How setting up the right superannuation account while you are young can make you millions!

Hope you guys enjoy the holidays, same with the DTF crew, this will be the final episode for a couple of weeks while we go on break. But we will be back in the New Year so stay tuned on our socials as we still will be active throughout that period!

Money In The NEWS - https://www.9news.com.au/motoring/nsw-number-1-vehicle-plate-heads-to-auction/8b4c5d75-2063-4347-9f11-2e343566b10f

Recommended Book - https://www.amazon.com.au/Diary-CEO-Laws-Business-Life/dp/1529146518/ref=asc_df_1529146518/?tag=googleshopdsk-22&linkCode=df0&hvadid=649997435719&hvpos=&hvnetw=g&hvrand=15145409299334230219&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9071903&hvtargid=pla-2196113048076&psc=1&mcid=6fe9e271cce93b45b28fa80901af1b7d

DTF Contact Info

DTF Instagram - https://www.instagram.com/downtofinancepodcast/

DTF Email - [email protected]

Disclosure statement

Please be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

Hosted on Acast. See acast.com/privacy for more information.

Superannuation Unwrapped // In this two-part series

Expect to learn

• What even is super, is it a stock?
• Can you access your super before age 67
• What super fund should I be with?
• What super fund should I be with depending on my work industry?
• Can I lose all my money in super?

URL

Money In The News - https://www.theguardian.com/business/2023/nov/08/half-of-australia-left-without-internet-or-phone-as-optus-crashes

Recommended Book - https://www.amazon.com.au/Diary-CEO-Laws-Business-Life/dp/1529146518/ref=asc_df_1529146518/?tag=googleshopdsk-22&linkCode=df0&hvadid=649997435719&hvpos=&hvnetw=g&hvrand=15145409299334230219&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9071903&hvtargid=pla-2196113048076&psc=1&mcid=6fe9e271cce93b45b28fa80901af1b7d

DTF Contact Info

DTF Instagram - https://www.instagram.com/downtofinancepodcast/

DTF Email - [email protected]

Disclosure statement

Please be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

Hosted on Acast. See acast.com/privacy for more information.

From dropping out of high school and pursing a career as a spray painter to now working as a financial broker and co-founder of his company Aureus Financial, Sam has worked with hundreds of clients to pursue their own lifestyle dreams and financial goals. Sam began his own investment journey at the ripe age of eighteen when he put his first deposit down on a home. Since then, Sam has studied economics, accounting, and property, and through his knowledge has accumulated a substantial investment portfolio incorporating real estate, managed funds and stakes in high-performing Australian businesses.

Expect To Learn

• How can young people strike a balance between enjoying life in the present and planning for their financial future?
• Is your 20s fundamental in setting the foundations for future wealth? Or is it more a trial era of your life?
• What are some potential financial mistakes that young people should be aware of, and how they can avoid them?
• What Sam recommends for adolescents wanting to begin their investing journey but don't know exactly where to start?

URL

Sams Insta - https://www.instagram.com/sampanetta_/?utm_source=ig_web_button_share_sheet&igshid=OGQ5ZDc2ODk2ZA==

Sams Website - https://www.aureusfinancial.com.au/

Sam podcast - https://open.spotify.com/show/6cg0FN46XdSwRkcqcY4Qsa?si=225759615c164d98

Sams Recommended book - https://www.amazon.com.au/Enjoy-Journey-Creating-Wealth-Living-ebook/dp/B0797DMZBD // https://www.amazon.com.au/Principles-Life-Work-Ray-Dalio/dp/1501124021

DTF Contact Info

DTF Instagram - https://www.instagram.com/downtofinancepodcast/

DTF Email - [email protected]

Disclosure statement

Please be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

Hosted on Acast. See acast.com/privacy for more information.

Following on from our Part 1 Tax Episode where we learned what tax is and why we pay it, we jump straight back under the covers to discuss how to lodge a tax return.

Expect to learn:

• Our 5-step process when lodging a tax return
• Work-related deductions you could claim
• Why your income statement is so important

Timing Segments

How to lodge a tax return -1min 30sec

How Jake and Callum lodged a tax return - 3min 30sec

How the government knows how much tax you pay - 4min 04sec

Tax rates under 18 years old - 9min 40sec

The tax you pay as a minor who has left school or full-time worker - 11min 50sec

Money in the news - 12min 33sec

Deductions - 14 min 12 sec

5-step guide to lodging a tax return - 24 Min 30 sec

Recommended book - 32 min 30 Sec

URL

• ATO - https://my.gov.au/en/about/help/mygov-website/link-services-to-your-account/link-the-australian-taxation-office
• Deductions you can claim - https://www.ato.gov.au/individuals/income-deductions-offsets-and-records/deductions-you-can-claim/
• Money in the news - https://www.accc.gov.au/consumers/petrol-and-fuel
• Recommended book - https://www.aureusfinancial.com.au/enjoy-the-journey/

Contact Info

Email - [email protected]

Instagram - Downtofinancepodcast

Disclosure statement

Please be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

Hosted on Acast. See acast.com/privacy for more information.

Upsetting the Taxman isn't a good thing. In this two-part series, we discuss how to stay off his radar by providing you with everything you need to know about tax.

Expect to learn:

• What tax is and why a Tax File Number is so important?
• The domino effect?
• If I have two jobs do I pay more tax?
• Is it worth claiming the tax-free threshold?

Timing segments

What tax is all about - 3.40

What is a TFN - 9.13

Tax brackets- 10.45

Tax-free threshold - 13.20

Money in the news - 18.00

Different types of taxes - 20.30

Recommended book - 29.00

URL

ATO - https://my.gov.au/en/about/help/mygov-website/link-services-to-your-account/link-the-australian-taxation-office

2023 - 2024 tax brackets - https://www.industrysuper.com/understand-super/tax-and-super/tax-brackets/

Money in the news - https://frontofficesports.com/saudi-arabia-reportedly-offers-1-1-billion-for-kylian-mbappe/

Recommended book - https://www.amazon.com/Cant-Hurt-Me-Master-Your/dp/1544512287//

https://www.amazon.com.au/Enjoy-Journey-Creating-Wealth-Living-ebook/dp/B0797DMZBD

Contact Info

Email - [email protected]

Instagram - Downtofinancepodcast

Disclosure statement

Please be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

Hosted on Acast. See acast.com/privacy for more information.

Jane Monica Jones is Australia's leading Financial Therapist and Trauma Informed Financial Wellbeing Specialist. She is a qualified professional in the study of the psychological and behavioural challenges with money and financial management practices. Jane is an inspiring and compassionate speaker who is the founder of the Financial Therapy podcast, as well as the author of her book The Billionaire Buddha.

What To Expect:

• How eating certain foods can increase your need to spend money
• Mental health around money
• Is there a point in saving while young?
• How your brain neurotransmitters affect your spending decisions

Url

Janes Insta - https://www.instagram.com/janemonicajones/

Janes website - https://www.janemonicajones.com/resources

Money smart - https://moneysmart.gov.au/

Contact Info

DTF Instagram - https://www.instagram.com/downtofinancepodcast/

DTF Email - [email protected]

Disclosure statement

Please be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

Hosted on Acast. See acast.com/privacy for more information.

First base can be daunting, however after listening to part one "The Savings Blueprint" we hope you have built up the courage to open a savings account and move on to today's episode, the Secrets Behind The Savings Playbook 'Second Base'. Expect to learn;

• How a savings plan can help you strike a balance between your savings goals and daily lifestyle by providing a structure
• What an emergency fund is, and how it can act as your sugar mommy/daddy!
• Tips and Tricks that will earn and save you some extra cash for your second date

Hopefully from this episode, you feel comfortable moving on from second base! If that is the case we would really appreciate it if you rate our show on all streaming platforms as well as follow us on Instagram.

Timing segments

Savings structure - 3.24

Emergency fund - 15.05

Money in the news - 21.05

Tips and Tricks - 23.00

Recommended book - 35:50

Url

Canstar "high-interest accounts" - https://www.canstar.com.au/savings-accounts/

My 7-11 "fuel lock" - https://www.7eleven.com.au/my-7-eleven.html

Mark vs. Elon - https://www.cnbc.com/2023/08/14/mark-zuckerberg-calls-off-elon-musk-cage-match.html#:~:text=Less%20than%20two%20months%20after,I%20offered%20a%20real%20date.

Equity Mates 'Get Started Investing' book - https://equitymates.com/get-started-investing/

Spenditude - https://www.amazon.com.au/Spenditude-Life-changing-Attitude-Paul-Gordon/dp/0730372030

Contact info

Email - [email protected]

Instagram - downtofinancepodcast

Disclosure statement

Please be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

Hosted on Acast. See acast.com/privacy for more information.

After 6 months in the friend zone, it's time to finally get down to it and reveal our little secret. Callum and Jake are stoked to announce the release of our new Podcast 'Down To Finance'. In our first episode "The Savings Blueprint", you are introduced to Jake and Callum where we discuss:

• Why and how we became interested in finance as well as our current financial situation
• How we met and why we became partners
• How our parents had an influence on our ability to save as well as kickstart our investing journey

Everyone starts from the beginning, however, how many people start in the right place? Whether you are working, studying or enjoying life, having a basic money foundation when it comes to savings is an important first step when addressing your finances. That is why this episode breaks down the foundations of savings and in doing so, compares the current interest rates the major banks have to offer as well as their terms and conditions.

To contact DTF

Instagram - downtofinancepodcast

Email - [email protected]

Timing segments

0 -15 minutes - Callum and Jake's back story

15-30 minutes- Building savings foundations

30 minutes - Money in the news brake

34 minutes - Book recommendation

Url Links

Current interest rates - https://www.finder.com.au/savings-accounts/high-interest-rates-accounts?futm_medium=cpc&futm_source=google&futm_campaign=1654081669~67488803230&futm_term=savings%20accounts%20finder~e~g&futm_content=~~Cj0KCQjw0vWnBhC6ARIsAJpJM6f9xnldT2HxEhQijYAhK84_80EHlAKZ2PQHaODZS9cFUmoClXU2hJ0aAmzWEALw_wcB~&gclid=Cj0KCQjw0vWnBhC6ARIsAJpJM6f9xnldT2HxEhQijYAhK84_80EHlAKZ2PQHaODZS9cFUmoClXU2hJ0aAmzWEALw_wcB

ING Savings account - https://campaigns.ing.com.au/everyday-banking?cid=ps:goo:gadw:ing-oe-AmandaAI-Brand:e:ing&gad=1&gclid=Cj0KCQjw0vWnBhC6ARIsAJpJM6f9LG39_QBTP5qS5cBGpMno8am6lLovbQQOipAE7eSC7h5kJsWtyVQaAuOyEALw_wcB&gclsrc=aw.ds

Apple VR Headset - https://www.tomsguide.com/news/apple-vr-and-mixed-reality-headset-release-date-price-specs-and-leaks

Barefoot Investor (recommended book) - https://www.barefootinvestor.com/

Disclosure statement

Please be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances.

Hosted on Acast. See acast.com/privacy for more information.