Friends With Money

Navigating the art of asking for what you want can feel daunting, but strong negotiation skills can pave the way to success.

Michelle Baltazar, Editor-in-Chief at Money, in this episode of the Friends With Money podcast chats with Glin Bayley, coach and author of 'The Negotiation Playbook: Strategies That Work and Results That Last', about why mastering negotiation is essential for achieving your life (and money) goals.

They discuss:

• Preparation is the key
• Understanding intrinsic vs. extrinsic value
• Leaning into the discomfort of a negotiation
• Common mistakes people make when asking for a pay rise or sale discount

#friendswithmoney #michellebaltazar #glinbayley #negotiate #abetterlife

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With the festive season upon us, present lists are being written around the country. But is there anything investors may want to add to their own wish lists?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by chief investment analyst at Wealth Within, Dale Gillham, to chat about the state of the market and the Australian companies which could shine bright in the near future.

• How has the share market been performing recently?
• Which local sectors look promising?
• Are there any blue chip stocks worth looking at?
• Which Australian microcaps could surprise on the upside?

friendswithmoney #tomwatson #dalegillham #investing #shares

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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

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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

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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

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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

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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

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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

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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

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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

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