Friends With Money

Are there simple measures we could be taking every day to improve our money habits and our overall financial health?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Simi Rayat, psychologist and author of Productivity Joy, to chat about the relationship between psychology and money. 

They discuss:

• When and how are people’s attitudes towards money formed?
• Why does money spark emotion that doesn’t appear with other issues?
• How can confirmation bias and sunk-cost fallacy affect our financial life?
• How can the 5Qs Formula improve our financial decision-making?

#friendswithmoney #tomwatson #simirayat #finance #psychology

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: [email protected]

See omnystudio.com/listener for privacy information.

The sales season is fast approaching, so how can shoppers make sure that they actually grab a bargain on Black Friday or Boxing Day?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Sarah Megginson, personal finance expert at Finder, to preview this years’ sales season and discuss the steps consumers can take to maximise their savings.

• Are sales events like Black Friday genuinely a good time to shop?
• Should Aussies do anything before the sales to help them get a bargain?
• How can shoppers boost their savings with cashback and other discounts?
• What rights do consumers have to returns and repairs?
• What other tips or tricks can shoppers use?

#friendswithmoney #tomwatson #sarahmegginson #sales #blackfriday #boxingday

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: [email protected]

See omnystudio.com/listener for privacy information.

There’s a raft of new superannuation initiatives and reforms set to come online in the next few years, so how will these affect super members?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Peter Hogg, general manager for guidance and advice at Aware Super, to talk through the changes which kick off from July 2025. They discuss:

• Superannuation on paid parental leave
• The upcoming super guarantee increase
• Proposed changes to tax concessions on higher balances
• The impact of payday super
• Practical tips for getting the most out of super

#friendswithmoney #tomwatson #peterhogg #superannuation

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: [email protected]

See omnystudio.com/listener for privacy information.

With inflation falling and interest rates starting to do the same, is now an opportune time to consider investing in fixed income or has the window passed?  

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Marc Jocum, product and investment strategist at Global X ETFs, to chat all things fixed income. They discuss:

• The assets included in the fixed income basket
• How bonds deliver returns to investors
• The benefits of having a fixed income allocation
• How fixed income assets are affected by interest rates
• The pros and cons of investing in fixed income now

#friendswithmoney #tomwatson #marcjocum #investing #fixedincome

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: [email protected]

See omnystudio.com/listener for privacy information.

From Boomers to Zoomers, which stock-picking style is better?

Craig Keary, CEO of trading platform Selfwealth, is back in the studio with Money's Michelle Baltazar to discuss the latest investment trends and which generation is leading the way.

• Compare the share portfolios of Boomers, Gen X, Millenials and Gen Z based on 2024 trading data
• What are the factors influencing each generation's investment choices?
• What tactic is likely to succeed? Who invests in ETFs?

#friendswithmoney #michellebaltazar #craigkeary #investing

Links:

Selfweath website

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: [email protected]

See omnystudio.com/listener for privacy information.

Purchasing a home isn’t a simple process. So, for buyers looking for help or an extra edge on the competition, could a buyers’ agent be worth the cost?  
This week on the Friends With Money podcast, Money’s Tom Watson is joined by Michelle May, founder and principal agent at Michelle May Buyers Agents, to break down the services that buyer’s agents can provide. The discuss:

• How buyers’ agents differ from selling agents
• The range of services that buyers’ agents can provide
• The world of off-market listings
• How much buyer’s agents can cost
• Tips for buyers entering the market

#friendswithmoney #tomwatson #michellemay #property

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: [email protected]

See omnystudio.com/listener for privacy information.

The secret to success lies in the execution.

On this week's Friends With Money Podcast, Money's Michelle Baltazar chats with author, financial adviser, and co-founder of Pivot Wealth, Ben Nash, about wealth-building strategies to help you achieve your goals.

• What are the fundamental strategies?
•  Why buying your own home first can slow your wealth-building
• What's the first crucial step?
• Two strategies to accelerate your financial journey

Listen on Apple Podcasts

Listen on Google Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: [email protected]

See omnystudio.com/listener for privacy information.

Plastic isn’t always fantastic, but credit cards can be an effective money management tool. The question is though, what kind of card will match your needs?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Rachel Wastell, personal finance expert at Mozo, to dig into the different types of credit cards on the market and the features they offer.

They discuss:

• Suitable cards for everyday spenders
• The benefits of balance transfers
• Travel-friendly credit cards
• Rewards points and premium credit card benefits
• Tips for users to get the most out of their cards

#friendswithmoney #tomwatson #rachelwastell #creditcards

Listen on Apple Podcasts

Listen on Google Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: [email protected]

See omnystudio.com/listener for privacy information.

Are you getting the best deal from your bank?

Open banking is set to transform the Australian banking industry, putting power back in your hands

Maxime Chaury, co-founder of Upworth and open banking specialist, joins Money's Michelle Baltazar together they reveal how to make your money work harder under the new financial landscape.

• Are we getting the most out of our banks?
• What exactly is open banking?
• How can you harness its power to take control of your finances?
• is open banking safe and secure?

Links: Upworth website

#friendswithmoney #michellebaltazar #openbanking #maximechaury

Listen on:

Listen on Apple Podcasts

Listen on Google Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: [email protected]

See omnystudio.com/listener for privacy information.

Thematic ETFs can give investors exposure to particular sectors, geographies or trends happening in the broader market, but they’re not without their risks.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by founder and chief executive of Stockspot, Chris Brycki, to dig into thematic exchange traded funds and the role they can play in portfolios. They discuss:

• What thematic ETFs actually are
• The thematic ETF versus index ETF approach
• Tech and sustainability as themes and the ETFs on offer
• How technology and sustainable ETFs have performed
• The risks of jumping on trendy thematic ETFs

#friendswithmoney #tomwatson #chrisbrycki #investing #etfs

Mind the Gap 2024 report: https://www.morningstar.com/lp/mind-the-gap

Listen on Apple Podcasts

Listen on Google Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: [email protected]

See omnystudio.com/listener for privacy information.