Financial Secrets Revealed

Fixed Income Investing Explained | Chris Joye on Bonds, Private Debt & Interest Rates 

What role should fixed income investments play in a diversified portfolio? How do interest rates affect bonds, private debt, and mortgage borrowers? 

In this episode of the Financial Secrets Revealed podcast, host Amanda Cassar speaks with Chris Joye, founder of Coolabah Capital, to explore the fundamentals of fixed income investing, private debt, and the impact of changing interest rate cycles on investors and homeowners. 

Together, they discuss: 
• What fixed income (fixed interest) investments are 
• How bonds and private debt investments work 
• The risks and opportunities of investing in private credit 
• How interest rate cycles influence investment markets 
• What rising and falling interest rates can mean for borrowers and investors 
• Why diversification is important when building an investment portfolio 

Chris also shares insights from his extensive experience in investment management, financial markets, and economic policy, helping explain how fixed income strategies can support long-term portfolio construction. 

Whether you're new to investing or looking to better understand bonds, fixed income, and private debt, this episode provides practical insights into one of the most important asset classes in modern investing. 

About the Guest 

Chris Joye is the founder of Coolabah Capital and an experienced investment manager, economist, and financial markets commentator. Throughout his career, he has worked across investment management, economic research, and public policy, and has been recognised for his expertise in fixed income investing and risk management. 

About Financial Secrets Revealed 

Financial Secrets Revealed is a podcast featuring conversations with financial experts, investment professionals, business leaders, economists, and industry specialists, helping Australians make smarter financial decisions through practical education and expert insights. 

General Information Only 

This podcast is provided for general educational purposes only and does not take into account your personal objectives, financial situation, or needs. The discussion reflects market conditions and opinions at the time of recording and should not be considered personal financial advice. Always seek advice from a qualified financial adviser before making investment decisions. 

👍 If you enjoyed this episode, please like, subscribe, and share it with anyone interested in investing, fixed income, bonds, interest rates, or portfolio diversification. 

#FixedIncome #Bonds #PrivateDebt #InterestRates #Investing #PortfolioManagement #PersonalFinance #FinancialEducation #FinancialSecretsRevealed #AmandaCassar 

Connect with Chris

LinkedIn: https://www.linkedin.com/in/christopher-j-06333143/
Website: https://coolabahcapital.com/
Chris’s Financial Review Columns: https://www.afr.com/by/christopher-joye-j7gce
Podcast: https://coolabahcapital.com/podcast/

Connect with Amanda Cassar

Amanda Cassar is an Australian Financial Adviser, author, podcast host, and advocate for financial literacy, retirement planning, wealth management, and aged care advice.

Follow Amanda for insights on personal finance, investing, retirement planning, financial advice, and wealth strategies for Australians.

Connect with Amanda:
• Amanda Cassar | https://amandacassar.com.au
• Wealth Planning Partners | https://www.wealthplanningpartners.com.au
• Trusted Aged Care Services | https://trustedagedcare.com.au
• Adviser Ratings Profile | https://www.adviserratings.com.au/

Explore the book: 
• Financial Secrets Revealed by Amanda Cassar (Amazon, Booktopia, Barnes & Noble)

Support the show

What are investment bonds, and how can they fit into a broader financial and estate planning strategy?

In this Meet the Experts episode of Financial Secrets Revealed Series 3, Amanda Cassar speaks with Grant Hackett OAM—Olympic champion, former CEO of Generation Life and now Group Chief Executive Officer of Generation Development Group.

While Grant is widely known for his remarkable swimming career, his professional career has also included more than 18 years in financial services, wealth management, marketing and distribution. He brings that experience to this conversation about one of Australia's lesser-known investment structures: investment bonds.

Amanda and Grant explore investment bonds, child-focused investment bonds and funeral bonds, discussing how these structures work and why they have attracted renewed interest in Australian wealth and estate planning conversations.

They also look at practical examples and potential use cases, including tax-aware investing, investing for a child's future, passing on wealth and estate planning. Generation Life's investment bond range includes LifeBuilder, ChildBuilder and FuneralBond, with product features and tax treatment that differ from other investment structures.

Whether you're curious about investment bonds or want to better understand the different structures that may form part of a financial plan, this episode provides an introduction to the concepts, strategies and considerations discussed by Grant and Amanda.

In this episode, we discuss:

• What investment bonds are and how they work in Australia
• Why investment bonds have received renewed attention
• Tax treatment and considerations around investment bonds
• Investment bonds as part of broader wealth-building conversations
• Child-focused investment bonds and investing for a child's future
• Funeral bonds and their intended purpose
• Estate planning considerations and passing wealth to beneficiaries
• Practical examples of where structured investment bonds may be considered
• Why understanding different investment structures can support more informed financial decisions

About Grant Hackett OAM

Grant Hackett OAM is one of Australia's most accomplished swimmers, winning Olympic, Commonwealth and World Championship titles and setting multiple world records during his sporting career.

Alongside his sporting achievements, Grant has built an extensive career in financial services. He joined Generation Development Group in 2017 and became its Group Chief Executive Officer on 1 January 2025, having previously served as CEO of Generation Life since 2018. His experience includes senior roles across wealth management, marketing and distribution.

Connect with Grant and learn more:
💼 LinkedIn: https://www.linkedin.com/in/grant-hackett-oam-30820225/
🌐 Generation Life: https://genlife.com.au/
🌐 Investment Bonds: https://genlife.com.au/investment-bonds
🌐 Investor Strategies: https://genlife.com.au/investor-strategies
📸 Instagram: https://www.instagram.com/grant__hackett/

About Amanda Cassar

Amanda Cassar is the host of Financial Secrets Revealed, a podcast inspired by her book of the same name. The series features conversations with financial experts, business leaders and people with diverse experiences, exploring money, investing and the decisions that shape people's financial journeys.

Amanda is a financial adviser and Director of Wealth Planning Partners, with a focus on helping make financial concepts easier to understand and supporting people to make informed decisions about their financial future.

🌐 Amanda Cassar: https://amandacassar.com.au/
🌐 Wealth Planning Partners: https://www.wealthplanningpartners.com.au/
🌐 Trusted Aged Care Services: https://trustedagedcare.com.au/

Get Your Copy of Financial Secrets Revealed

Financial Secrets Revealed brings together stories, insights and lessons from financial professionals, business leaders and everyday people with diverse money journeys.

Learn more about the book and current purchase information:
https://amandacassar.com.au/my-book/

Disclaimer: This podcast is for general educational and informational purposes only. It does not take into account your personal circumstances, financial situation, objectives or needs and is not personal financial, investment, tax or legal advice. Investment bonds and other financial products may not be suitable for everyone. Please seek advice from an appropriately qualified professional before making financial decisions.

Support the show

How can you take greater control of your cash flow, reduce debt and create more financial freedom?

In this Meet the Experts episode of Financial Secrets Revealed Series 3, Amanda Cassar speaks with Adam Carroll, a financial literacy expert, author, professional speaker and founder of The Shred Method™.

Adam is passionate about helping people rethink the way they manage money. His work explores financial literacy, cash flow, debt reduction and the habits and behaviours that can influence long-term financial outcomes.

He is the creator of the documentary Broke, Busted & Disgusted, which explores the financial realities surrounding higher education and student debt in the United States and aired on CNBC. Adam is also a two-time TED speaker and has written multiple Amazon best-selling books.

In this conversation, Amanda and Adam explore his approach to creating greater efficiency with the money you earn. They discuss debt, cash flow, financial habits and the importance of understanding how your money moves through your financial life.

Adam also shares the thinking behind The Shred Method™, his approach and software platform designed to help people analyse their cash flow and develop a personalised strategy for managing and reducing debt.

Whether you're looking to improve your financial literacy, better understand your cash flow or explore different approaches to managing debt, this episode offers a thought-provoking conversation about taking a more active role in your financial future.

In this episode, we discuss:

• Why financial literacy is an important life skill
• Understanding where your money goes and improving cash flow awareness
• The relationship between financial habits and long-term outcomes
• Different approaches to managing and reducing debt
• Why behaviour and mindset can influence money decisions
• Taking greater control of your financial situation
• The ideas behind The Shred Method™
• Creating more flexibility and freedom through intentional money management

About Adam Carroll

Adam Carroll is an internationally recognised financial literacy expert, author and professional speaker. He is a two-time TED speaker whose talks have received more than 6 million views and is the creator of Broke, Busted & Disgusted, a documentary that aired on CNBC.

Adam is the Founder and Chief Educator of The Shred Method™, where his work focuses on helping families and business owners create greater efficiency with their income, cash flow and wealth-building capacity. He is also associated with the Build A Bigger Life approach to personal and financial growth.

Connect with Adam:
🌐 The Shred Method™: https://theshredmethod.com/
🌐 Adam Carroll: https://www.adamspeaks.com/
💼 LinkedIn: https://www.linkedin.com/in/adamcarrollspeaks/
📸 Instagram: https://www.instagram.com/adam.carroll/

Watch Adam's TED Talks

▶️ When Money Isn't Real: The $10,000 Experiment
https://www.youtube.com/watch?v=_VB39Jo8mAQ

▶️ What Playing Monopoly With Real Money Taught Me About My Kids—and Humanity
https://www.ted.com/talks/adam_carroll_what_playing_monopoly_with_real_money_taught_me_about_my_kids_and_humanity

About Amanda Cassar

Amanda Cassar is the host of Financial Secrets Revealed, a podcast inspired by her book of the same name. The series features conversations with experts, entrepreneurs and people with diverse life experiences, exploring money, financial decisions and the lessons that shape people's financial journeys.

Amanda is a financial adviser and Director of Wealth Planning Partners, with a focus on helping make financial concepts easier to understand and supporting people to make informed decisions about their financial future.

🌐 Amanda Cassar: https://amandacassar.com.au/
🌐 Wealth Planning Partners: https://www.wealthplanningpartners.com.au/
🌐 Trusted Aged Care Services: https://trustedagedcare.com.au/

Get Your Copy of Financial Secrets Revealed

Financial Secrets Revealed brings together stories, insights and lessons from financial professionals, business leaders and everyday people with diverse money journeys.

Learn more about the book and current purchase information:
https://amandacassar.com.au/my-book/

Disclaimer: This podcast is for general educational and informational purposes only. The views and experiences shared by guests are their own and do not constitute personalised financial, investment or debt advice. Any debt management strategy should be considered carefully in light of your individual circumstances, financial goals and risks. Please seek appropriate professional advice before making financial decisions.

Support the show

How is Generation Z approaching money differently from previous generations? What financial challenges are young adults facing today, and how can they build wealth in an increasingly uncertain economy? 

In this episode of the Financial Secrets Revealed podcast, host Amanda Cassar speaks with Mark Bolton, bestselling author of The Gen Z Money Manual: Mastering Our New Economy, about the financial habits, opportunities, and challenges shaping the next generation of investors. 

Together, they explore: 
• Why Gen Z thinks differently about money, saving, and investing 
• The biggest financial challenges facing young adults today 
• How economic uncertainty is influencing financial decisions 
• The importance of financial literacy for long-term success 
• Preparing for one of the largest intergenerational wealth transfers in history 
• Practical money lessons for Gen Z, parents, and financial advisers 

Mark also shares insights from his extensive career in banking and consulting, drawing on senior leadership roles with leading global financial institutions to explain how today's economic landscape is changing the way younger generations manage their finances. 

Whether you're part of Gen Z, raising young adults, advising clients, or simply interested in the future of personal finance, this episode provides valuable insights into building financial confidence in a rapidly evolving world. 

About the Guest 

Mark Bolton is the bestselling author of The Gen Z Money Manual: Mastering Our New Economy. He has held senior roles in banking and consulting, including positions with PwC, Goldman Sachs, Credit Suisse, and Barclays. His work focuses on improving financial literacy and helping young adults develop the knowledge and skills needed to make informed financial decisions. 

About Financial Secrets Revealed 

Financial Secrets Revealed is a podcast featuring conversations with financial experts, investment professionals, business leaders, authors, and industry specialists, helping Australians make smarter financial decisions through practical education and expert insights. 

General Information Only 

This podcast is provided for general educational purposes only and does not take into account your personal objectives, financial situation, or needs. It should not be considered personal financial advice. Always seek advice from a qualified financial adviser before making investment decisions. 

👍 If you found this episode valuable, please like, subscribe, and share it with anyone interested in financial literacy, investing, or helping the next generation build wealth. 

#GenZ #FinancialLiteracy #PersonalFinance #MoneyManagement #WealthBuilding #Investing #IntergenerationalWealth #FinancialEducation #FinancialSecretsRevealed #AmandaCassar 

Connect with Mark
Mark Bolton | LinkedIn: https://www.linkedin.com/in/markbolton/
Website – The Gen Z Money Manual: https://mark-bolton.com/
Mark Bolton Gen Z Money Manual on Route 664 revised: https://www.youtube.com/live/_JZenwH7IGo?si=vz5-J_-i1ktpduKS
TikTok: @authormarkbolton

Connect with Amanda Cassar

Amanda Cassar is an Australian Financial Adviser, author, podcast host, and advocate for financial literacy, retirement planning, wealth management, and aged care advice.

Follow Amanda for insights on personal finance, investing, retirement planning, financial advice, and wealth strategies for Australians.

Connect with Amanda:
• Amanda Cassar | https://amandacassar.com.au
• Wealth Planning Partners | https://www.wealthplanningpartners.com.au
• Trusted Aged Care Services | https://trustedagedcare.com.au
• Adviser Ratings Profile | https://www.adviserratings.com.au/

Explore the book: 
• Financial Secrets Revealed by Amanda Cassar (Amazon, Booktopia, Barnes & Noble)

Support the show

What is contrarian investing, and why do some of the world's most successful investors choose to go against the crowd? 

In this episode of the Financial Secrets Revealed podcast, host Amanda Cassar sits down with LJ Collyer, former Head of Adviser Distribution at Allan Gray Australia, to explore the principles behind long-term, value-focused investing and the disciplined mindset required to become a successful investor. 

Together, they discuss: 
• What contrarian investing is and how it works 
• Why investing against market sentiment can create long-term opportunities 
• The importance of patience, discipline, and independent thinking 
• How market cycles influence investment decisions 
• Why a long-term investment philosophy matters 

Whether you're new to investing or looking to better understand different investment strategies, this conversation offers practical insights into building a resilient portfolio and avoiding common behavioural investing mistakes. 

About the Guest 

LJ Collyer has an extensive background in financial services and investment management. Originally from South Africa, he earned an MBA from the University of Cape Town with a focus on private equity, securities analysis, and international financial markets. At the time of this interview, he served as Head of Adviser Distribution at Allan Gray Australia. 

About Financial Secrets Revealed 

Financial Secrets Revealed is a podcast featuring conversations with financial experts, investment professionals, business leaders, and industry specialists, helping Australians make smarter financial decisions through practical education and expert insights. 

⚠️ General Information Only 

This podcast is provided for general educational purposes only and does not take into account your personal objectives, financial situation, or needs. It should not be considered personal financial advice. Always seek advice from a qualified financial adviser before making investment decisions. 

👍 If you found this episode helpful, please like, subscribe, and share it with others interested in investing, personal finance, and wealth building. 

#ContrarianInvesting #ValueInvesting #LongTermInvesting #Investing #PersonalFinance #AustralianInvesting #WealthBuilding #FinancialEducation #FinancialSecretsRevealed #AmandaCassar 

Connect with LJ
LinkedIn – https://www.linkedin.com/in/ljcollyer/
Allan Gray Australia
Linkedin – https://www.linkedin.com/company/allan-gray-australia/
Website – https://www.allangray.com.au/

Allan Gray’s Guide to Contrarian Investing
https://www.allangray.com.au/wp-content/uploads/GuideToContrarianInvesting.pdf


Financial Standard Contrarian Investing Guide
https://www.allangray.com.au/wp-content/uploads/FinancialStandardGuideToContrarianInvesting.pdf

Connect with Amanda Cassar

Amanda Cassar is an Australian Financial Adviser, author, podcast host, and advocate for financial literacy, retirement planning, wealth management, and aged care advice.

Follow Amanda for insights on personal finance, investing, retirement planning, financial advice, and wealth strategies for Australians.

Connect with Amanda:
• Amanda Cassar | https://amandacassar.com.au
• Wealth Planning Partners | https://www.wealthplanningpartners.com.au
• Trusted Aged Care Services | https://trustedagedcare.com.au
• Adviser Ratings Profile | https://www.adviserratings.com.au/

Support the show

How do you turn an idea into a scalable business and create the systems needed to grow without losing your way?

In this Meet the Experts episode of Financial Secrets Revealed Series 3, Amanda Cassar speaks with Beate Chelette, business strategist, entrepreneur and founder of The Growth Architect.

Beate shares her remarkable entrepreneurial journey, from finding herself in significant debt as a single parent to building a photography business that licensed content internationally before selling the company to Corbis, a company founded by Bill Gates.

Today, Beate helps entrepreneurs, business owners and leaders develop strategies for sustainable growth. Her approach focuses on creating clearer business systems, practical growth strategies and structured plans that can help turn a vision into action.

In this conversation, Amanda and Beate explore the realities behind building and scaling a business, including the importance of strategy, systems and knowing what needs to happen next.

Whether you're starting a business, looking to grow an existing company or trying to bring more structure to your business strategy, this episode offers insights into entrepreneurship, business growth, business systems and scaling a business.

In this episode, we discuss:

• Beate's journey from debt to building a successful global business
• Turning a passion and skill into a commercial opportunity
• Growing and scaling a business
• Why clear business systems matter
• Creating a practical strategy for sustainable growth
• Turning a big vision into actionable steps
• Identifying opportunities for business improvement
• The lessons entrepreneurs can learn from building and exiting a business

About Beate Chelette

Beate Chelette is a business strategist, entrepreneur and founder of The Growth Architect. She works with business owners and leaders on strategies, systems and growth plans designed to help businesses scale with greater clarity.

Her entrepreneurial journey includes building a photography business that licensed content in 79 countries before its acquisition by Corbis. She is also the host of The Business Growth Architect Show and shares insights on entrepreneurship, leadership and business growth.

Connect with Beate:
🌐 Website: https://beatechelette.com/
💼 LinkedIn: https://www.linkedin.com/in/beatechelette/
▶️ YouTube: https://www.youtube.com/c/GrowthArchitect
Facebook: https://www.facebook.com/groups/growtharchitect
Instagram: @beatechelette
X: @BeateChelette

About Amanda Cassar

Amanda Cassar is the host of Financial Secrets Revealed, a podcast inspired by her book of the same name. The series features conversations with experts, entrepreneurs and people with diverse life experiences, exploring the decisions, challenges and lessons that have shaped their financial and professional journeys.

Amanda is a financial adviser and Director of Wealth Planning Partners, with a focus on making financial concepts easier to understand and helping people make informed decisions about their financial future.

🌐 Amanda Cassar: https://amandacassar.com.au/
🌐 Wealth Planning Partners: https://www.wealthplanningpartners.com.au/
🌐 Trusted Aged Care Services: https://trustedagedcare.com.au/

Get Your Copy of Financial Secrets Revealed

Financial Secrets Revealed brings together stories, insights and lessons from business leaders, financial professionals and everyday people with diverse money journeys.

Learn more about the book and current purchase information:
https://amandacassar.com.au/my-book/

Disclaimer: This podcast is intended for general educational and informational purposes only. The views and experiences shared by guests are their own. Nothing in this episode should be considered personalised financial, investment, legal or business advice. Please consider your individual circumstances and seek appropriate professional advice before making financial or business decisions.

Support the show

What are ETFs, and why have they become one of Australia's most popular investment options? 

In this episode of the Financial Secrets Revealed podcast, host Amanda Cassar speaks with Cameron Gleeson, Senior Investment Strategist at Betashares, about exchange-traded funds (ETFs), investing strategies, and the growing role ETFs play in helping Australians build long-term wealth. 

Drawing on his experience in investment strategy and portfolio management, Cameron explains: 

• What ETFs are and how they work 
• The benefits and risks of ETF investing 
• Why ETFs have become increasingly popular with Australian investors 
• How advisers and individual investors can use ETFs as part of a diversified investment portfolio 
• Key considerations before investing 

At the time of this interview, Cameron was Senior Investment Strategist at Betashares, one of Australia's leading ETF providers. 

Whether you're new to investing or looking to better understand ETFs, this conversation offers practical insights to help you make more informed investment decisions. 

About the Guest 

Cameron Gleeson holds a Bachelor of Commerce from the University of Western Australia and a Master of Commerce (Honours) from the University of New South Wales. During this interview, he served as Senior Investment Strategist at Betashares, working across investment strategy, portfolio management, and adviser education. 

About Financial Secrets Revealed 

Financial Secrets Revealed is a podcast featuring conversations with financial experts, investment professionals, business leaders, and industry specialists, helping Australians make smarter financial decisions. 

👍 If you enjoyed this episode, please like, subscribe, and share it with someone interested in investing and personal finance. 

#ETF #Investing #Betashares #AustralianInvesting #PersonalFinance #WealthBuilding #FinancialEducation #InvestmentStrategy #FinancialSecretsRevealed #AmandaCassar 

Connect with Cameron
Cameron Gleeson | LinkedIn
Our funds | Betashares - Betashares Funds
2022-stewardship-report.pdf (betashares.com.au) Betashares Stewardship Report 2022 (ESG)

Connect with Amanda Cassar

Amanda Cassar is an Australian Financial Adviser, author, podcast host, and advocate for financial literacy, retirement planning, wealth management, and aged care advice.

Follow Amanda for insights on personal finance, investing, retirement planning, financial advice, and wealth strategies for Australians.

Connect with Amanda:
• Amanda Cassar | https://amandacassar.com.au
• Wealth Planning Partners | https://www.wealthplanningpartners.com.au
• Trusted Aged Care Services | https://trustedagedcare.com.au
• Adviser Ratings Profile | https://www.adviserratings.com.au/

Support the show

How can emotional intelligence influence the way we think about money, make financial decisions and build wealth? 

In this Meet the Experts episode of Financial Secrets Revealed Series 3, Amanda Cassar speaks with Aasha T. LaCount, an executive coach who works with CEOs and leaders on emotional intelligence, personal growth and leadership. 

Aasha explores the connection between our inner world and our financial decisions. From the beliefs and thoughts that shape our relationship with money to the emotions that can influence risk, investing, success and wealth creation, this conversation looks beyond the numbers behind financial decision-making. 

Amanda and Aasha also take a deep dive into ideas that some listeners may consider a little outside the traditional approach to finance. They explore Aasha's perspective on emotional and energetic intelligence and discuss whether greater self-awareness can help people better understand the thoughts, behaviours and patterns influencing their financial lives. 

This episode is a thought-provoking conversation about emotional intelligence, money mindset, financial behaviour, self-awareness and the psychology behind financial decision-making. 

Whether you're interested in personal development, leadership, investing or understanding your own relationship with money, this episode invites you to consider how your thoughts and emotions may influence the decisions you make. 

In this episode, we discuss: 

• What emotional intelligence means and why it matters 
• The connection between emotions and financial decision-making 
• How thoughts and beliefs can shape our relationship with money 
• Money mindset and the behavioural patterns behind financial choices 
• The role of self-awareness in investing and wealth creation 
• How leaders can develop greater emotional intelligence 
• Aasha's perspective on energetic intelligence and personal success 
• Looking beyond numbers to understand the human side of money 

About Aasha T. LaCount 

Aasha T. LaCount is an executive coach who works with leaders and CEOs, with a focus on emotional intelligence, leadership and personal development. 

In this episode, Aasha shares her perspective on how greater emotional awareness and self-understanding can influence the way we approach success, wealth and financial decision-making. 

Connect with Aasha: 

🌐 BeyondEQ International: https://www.beyondeqinternational.com/ 

💼 LinkedIn: https://www.linkedin.com/in/aashat/ 

▶️ Energy In Motion with Aasha T.: https://www.youtube.com/channel/UC2sgRQsMqRvm3Ssg24Vs3Dg 

🌐 Courses and Workshops: https://aashathealing.com/ 

About Amanda Cassar 

Amanda Cassar is the host of Financial Secrets Revealed, a podcast based on her book of the same name. The series features conversations with people from different walks of life, including financial experts, business leaders, coaches and everyday people, exploring their money stories, experiences and lessons. 

Amanda has worked in financial services since 1991 and is the Director of Wealth Planning Partners. Her work focuses on helping make complex financial topics easier to understand. 

🌐 Amanda Cassar: https://amandacassar.com.au/ 

🌐 Wealth Planning Partners: https://www.wealthplanningpartners.com.au/ 

🌐 Trusted Aged Care Services: https://trustedagedcare.com.au/ 

Get Your Copy of Financial Secrets Revealed 

Financial Secrets Revealed brings together stories and lessons from business leaders, financial professionals and everyday people, exploring the experiences that shape the way we think about money. 

Learn more about the book and current purchase information on Amanda's official website: 

https://amandacassar.com.au/my-book/ 

Disclaimer: This podcast is intended for general educational and informational purposes only. The views and experiences shared by guests are their own. Nothing in this episode should be considered personalised financial, investment, legal or professional advice. Please consider your personal circumstances and seek appropriate professional advice before making financial decisions. 

Support the show

Can changing your relationship with money improve your financial wellbeing? 

In this episode of the Financial Secrets Revealed podcast, host Amanda Cassar speaks with Spencer Sherman—financial adviser, author, entrepreneur, and founder of Abacus Wealth—about how mindfulness can transform the way we think about money, wealth, and financial success. 

Drawing on decades of experience in financial advice and behavioural finance, Spencer explains why building wealth isn't just about numbers—it's also about understanding the beliefs, emotions, and habits that influence our financial decisions. 

In this episode, you'll discover: 
• What a healthy money mindset looks like 
• How mindfulness can improve financial decision-making 
• Why more money doesn't always lead to greater happiness 
• Common emotional behaviours that affect investing and spending 
• Practical strategies for reducing financial stress and anxiety 
• How to create a more intentional and fulfilling relationship with money 

Spencer also shares ideas from his book, The Cure for Money Madness, exploring how greater awareness and purpose can help people make more confident financial choices and build long-term financial wellbeing. 

Whether you're an investor, business owner, financial adviser, or simply looking to improve your relationship with money, this conversation offers practical insights for creating financial confidence and living more intentionally. 

About the Guest 

Spencer Sherman is a financial adviser, entrepreneur, keynote speaker, and author of The Cure for Money Madness. He founded Abacus Wealth and has taught in the Inner MBA Program, helping individuals and leaders integrate mindfulness with financial decision-making, leadership, and personal growth. 

About Financial Secrets Revealed 

Financial Secrets Revealed is a podcast featuring conversations with financial experts, investment professionals, business leaders, authors, and industry specialists, helping Australians make smarter financial decisions through practical education and expert insights. 

General Information Only 

This podcast is provided for general educational purposes only. The views expressed by the guest are their own and do not necessarily reflect those of any current or former organisation with which they are affiliated. The discussion should not be considered personal financial advice. Always seek professional advice before making financial decisions. 

👍 If you enjoyed this episode, please like, subscribe, and share it with someone interested in personal finance, financial wellbeing, behavioural finance, or mindful investing. 

#MoneyMindset #FinancialWellbeing #Mindfulness #PersonalFinance #BehaviouralFinance #FinancialFreedom #MindfulMoney #Investing #FinancialSecretsRevealed #AmandaCassar 

Connect with Spencer
Abacus Wealth Partners: https://abacuswealth.com/
LinkedIn: https://www.linkedin.com/in/mindfulspencer/
Financial Education Services and Spiritual Wealth: https://www.spencer-sherman.com/
X | @spencersherman   Insta | @mindfulspencer

Connect with Amanda Cassar

Amanda Cassar is an Australian Financial Adviser, author, podcast host, and advocate for financial literacy, retirement planning, wealth management, and aged care advice.

Follow Amanda for insights on personal finance, investing, retirement planning, financial advice, and wealth strategies for Australians.

Connect with Amanda:
• Amanda Cassar | https://amandacassar.com.au
• Wealth Planning Partners | https://www.wealthplanningpartners.com.au
• Trusted Aged Care Services | https://trustedagedcare.com.au
• Adviser Ratings Profile | https://www.adviserratings.com.au/

Explore the book: 
• Financial Secrets Revealed by Amanda Cassar (Amazon, Booktopia, Barnes & Noble)

Support the show

How do property market cycles work, and is hiring a buyer's agent worth it?

In this episode of the Financial Secrets Revealed podcast, host Amanda Cassar is joined by Alex Minter, Founder and Managing Director of Astute Property Network, to discuss the Australian property market, how buyers can make more informed decisions, and the role a buyer's agent can play in securing the right property.

Whether you're purchasing your first home, investing in property, or looking to better understand the real estate market, this conversation explores the key factors that influence property values and long-term investment outcomes.

In this episode, you'll learn:
• How property market cycles influence buying and investing decisions
• What a buyer's agent does and when hiring one may be worthwhile
• The importance of research and due diligence when purchasing property
• Is "location, location, location" still the most important factor?
• What drives property prices over the long term
• Practical insights for first-home buyers and property investors

Alex also shares his perspective on helping Australians navigate the property market through education, strategy, and informed decision-making.

About the Guest

Alex Minter is the Founder and Managing Director of Astute Property Network. He works with home buyers and property investors to help them understand the property market and make informed property acquisition decisions through education, research, and strategic advice.

About Financial Secrets Revealed

Financial Secrets Revealed is a podcast featuring conversations with financial experts, investment professionals, business leaders, economists, and industry specialists, helping Australians make smarter financial decisions through practical education and expert insights.

General Information Only

This podcast is provided for general educational purposes only and does not take into account your personal objectives, financial situation, or needs. Property markets change over time, and the views discussed reflect the opinions and market conditions at the time of recording. This episode should not be considered personal financial or property advice. Always seek advice from qualified professionals before making property or investment decisions.

👍 If you enjoyed this episode, please like, subscribe, and share it with anyone interested in buying property, investing in real estate, or understanding the Australian property market.

#PropertyInvesting #AustralianProperty #RealEstate #BuyersAgent #FirstHomeBuyer #PropertyMarket #RealEstateInvesting #PersonalFinance #FinancialSecretsRevealed #AmandaCassar

Connect with Alex
Website: https://www.astutepropertynetwork.com.au/
LinkedIn: https://www.linkedin.com/in/alex-minter-buyers-agent-7a3b17a0/
Facebook: https://www.facebook.com/astutepropertynetwork
Instagram: @astute_property_network
YouTube:  @astutepropertynetwork9775  

Connect with Amanda Cassar

Amanda Cassar is an Australian Financial Adviser, author, podcast host, and advocate for financial literacy, retirement planning, wealth management, and aged care advice.

Follow Amanda for insights on personal finance, investing, retirement planning, financial advice, and wealth strategies for Australians.

Connect with Amanda:
• Amanda Cassar | https://amandacassar.com.au
• Wealth Planning Partners | https://www.wealthplanningpartners.com.au
• Trusted Aged Care Services | https://trustedagedcare.com.au
• Adviser Ratings Profile | https://www.adviserratings.com.au/

Explore the book: 
• Financial Secrets Revealed by Amanda Cassar (Amazon, Booktopia, Barnes & Noble)

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