Hilda knows with the amount she’s earning- she should be saving more. But money is something she hates dealing with. Normally, she lacks the motivation to do anything about it. But with a recent pay cut, it’s clear things need to change.

So- she joins us on our series; Boost my Budget to get help building a low touch budget that will have her spending less, saving more and even- starting to invest.

Your saving rate has the biggest impact on building your wealth. If you’re someone who’s been burying their head in the sand or coasting by, knowing you could be making your money work better- good news. It doesn’t have to be hard or scary. In this episode we cover ways everyone can improve their savings rate.

Timestamps:

00:00:00 – Why Money Feels Hard To Face

00:01:34 – What Hilda Wants To Change

00:03:19 – Her Current System

00:05:37 – What Her Spending Says About Her

00:07:32 – The Surprises In Her Cashflow

00:09:26 – Where Her Food Budget Goes

00:10:52 – The Savings Gap She Didn’t See

00:12:42 – Is The Credit Card Helping?

00:14:13 – A System To Make Money Easier

00:16:28 – The Budget That Actually Works

00:18:49 – How To Make Savings Grow

00:20:40 – A Simple Way To Start Investing

00:22:07 – What To Do From Here

Links Referenced:

💸 Want your Budget Boosted next? Apply here

💲 PocketSmith is offering Equity Mates listeners 50% off the first 2 months of a Foundation Plan. To try PocketSmith for yourself head to pocketsmith.com/equitymates

📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!

🎥 We're on YouTube! Watch full episodes here.

📝 Download our FREE 4 step checklist to analyse any stock (It’s beginner friendly).

Or our FREE ETF Handbook: everything you need to get started with ETFs.

———

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.

Equity Mates Media operates under Australian Financial Services Licence 540697.

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

Black Friday and end of year sales are here and you have the opportunity to use it to your advantage.

In this episode we present our 3-step guide to tackling this high spend season with a financially literate, investing savvy mindset.

Every dollar you don’t spend, is a dollar you can invest- so here’s how to make your money work harder for you.

We cover:

-       The doggy sales tactics to watch for and how to avoid them.

-       How to get the best deals and stop impulse buying or overspending.

-       Our 3-step guide to tackling Black Friday Sales as an investor

Timestamps:

00:00:00 –  We're Talking about Shopping Now? Not Quite

00:02:04 – How Black Friday Takes Shape in Aus

00:04:53 –  Sales Tactics To Watch Out For

00:06:00 – How to Avoid Those Traps

00:08:59 –  Our Three Step Plan To Use Sales Well

00:13:35 – Build Investing Skills with Black Friday

Links Referenced:

🎧 Listen to: What is the stock market and how does it actually work?

📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!

🎥 We're on YouTube! Watch full episodes here.

📝 Download our FREE 4 step checklist to analyse any stock (It’s beginner friendly).

Or our FREE ETF Handbook: everything you need to get started with ETFs.

———

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.

Equity Mates Media operates under Australian Financial Services Licence 540697.

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

If you’re stuck deciding which ETF to invest in, use our 5 steps to compare any ETF. In 10 mins you’ll have all the information you need to make the best choice for you.

ETFs have made investing super accessible. So accessible in fact, that there are now so many to choose from that it can be overwhelming.

If decision paralysis is getting in your way, these steps will help you focus on what really matters and get invested.

Links Referenced:

📈 ETFs mentioned: VHY, VAS

🎧 Listen to: We hate fees! Here are the Cheapest ETFs in Australia

📝 Download our FREE ETF Handbook: everything you need to get started with ETFs.

📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!

🎥 We're on YouTube! Watch full episodes here.

Timestamps:

00:00:00 – Introduction And Episode Setup

00:01:29 – How To Compare Any ETF In Ten Minutes

00:02:27 – Listener Question: VHY Or VAS

00:04:13 – Step One: Look At The Name

00:05:08 – Step Two: Understand Its Purpose

00:05:55 – Step Three: How It Achieves That Goal

00:07:15 – Step Four: What It Costs

00:08:36 – Step Five: After-Fee Returns

00:09:51 – How To Compare Two ETFs

00:10:41 – VHY Versus VAS: Key Differences

00:13:21 – Fee Comparison And Returns

00:15:15 – Long-Term Performance

00:16:30 – Final Thoughts And Takeaways

———

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.

Equity Mates Media operates under Australian Financial Services Licence 540697.

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

Feeling nervous about investing right now? That’s perfectly normal.

All time highs have been reached in many places as of late- It’s got some people talking about a Bubble, or impending crash.

But what does that mean? Should you be worried? And how should you invest in response?

In this episode we:

-      Explain the theory behind stock market bubbles

-      The impact on your investing

-      How we personally are investing in the current market

-      Five steps to take if you’re worried about investing right now

Links Referenced:

📈 Probability of loss chart 

🎧 Listen to: Don’t time the market, Cognitive biases, why we love index funds,

📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!

🎥 We're on YouTube! Watch full episodes here.

📝 Download our FREE ETF Handbook: everything you need to get started with ETFs.

Timestamps:

00:00:00 – Introduction & Listener Questions

00:03:59 – Are We in a Stock Market Bubble?

00:07:55 – The AI Boom vs. Dotcom Era

00:09:37 – The Risk of Waiting to Invest

00:12:44 – Companies Die Indexes Are Forever

00:15:50 – Five Steps for Investing Right Now

00:20:57 – Outro Disclaimer

———

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697.

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

Investing isn’t just a financial game, it’s a mental one.

In fact, mindset is so pivotal to good investing, that if you’re yet to start (investing consistently, or at all), the chances are it’s your mindset- not your finances, holding you back.

We’re here to help you break out of the biases keeping you from a better financial future.

In this episode we explain 4 common cognitive biases that prevent you from investing and detail how to combat each of them, so you can invest to your full potential.

Links Referenced:

🎧 Listen to next: How much money do you need to start investing?

📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!

🎥 We're on YouTube! Watch full episodes on our YouTube channel here.

📝 Download our FREE 4 step checklist to analyse any stock (It’s beginner investor friendly).

📝 Download our FREE ETF Handbook: everything you need to get started with ETFs.

———

Want more Equity Mates?

Sign up to our daily news email

Listen to our original podcast: Equity Mates Investing (Apple | Spotify)

Pick up our books: Get Started Investing and Don’t Stress, Just Invest

Follow us on social media: Instagram, TikTok, & LinkedIn

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.

Equity Mates Media operates under Australian Financial Services Licence 540697.

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

Should you invest in the stock market or buy property? It’s debate we’re here to settle.

In this episode we explain the role both property and stocks can play in a portfolio. It’s not about either/or, its about your goals and the timing.

We cover:

·      Why the Property vs Stocks debate is a false choice.

·      How and when you investing in stocks.

·      Knowing if or when you should buy property.

·      The role each asset plays in a portfolio.

Links Referenced:

🎧 Listen to this GSI ep: how to invest in property without a mortgage

📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!

🎥 We're on YouTube! Watch full episodes here.

📝 Download our FREE 4 step checklist to analyse any stock (It’s beginner investor friendly).

📝 Download our FREE ETF Handbook: everything you need to get started with ETFs.

———

Want more Equity Mates?

Sign up to our daily news email

Listen to our original podcast: Equity Mates Investing (Apple | Spotify)

Pick up our books: Get Started Investing and Don’t Stress, Just Invest

Follow us on social media: Instagram, TikTok, & LinkedIn

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.

Equity Mates Media operates under Australian Financial Services Licence 540697.

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

Fees are the silent killer of investing returns. Luckily, they’ve never been easier to avoid.

Even a tiny fee difference can cost you thousands over time. In this episode, we break down the lowest-fee ETFs in Australia and show how to make every dollar work harder for you.

We Explain:

-      How ETF management fees work

-      A worked example of the impact a tiny % difference in fees can have on your wealth over 30 years

-      The 3 lowest-fee Australian Index ETFs, S&P 500 ETFs and Global ETFs on the ASX

-      The most expensive Australian ETFs you might want to avoid

Links Referenced:

👀 MoneySmart fee Calulator and Morningstar ETF List

🎧 Listen to: what is the stock market and how does it work?

📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!

🎥 We're on YouTube! Watch full episodes on our YouTube channel here.

📝 Download our FREE ETF Handbook: everything you need to get started with ETFs.

—------

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

—------

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

—------

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.

Equity Mates Media operates under Australian Financial Services Licence 540697.

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

When’s the last time you checked your savings rate? 

Some popular accounts have recently made changes, so it’s time to check that you’re still getting the best bang for those bucks. 

We were surprised just how much this list had changed in only 3 months, since we last made this episode.

In this edition we share the top savings accounts as of October 2025:

• Top 5 accounts with conditions 
• Top 5 accounts with no hurdles or conditions.
• Explain the recent changes to popular savings accounts in Australia including Up Bank

Links Referenced: 

🎧 Listen to: best savings accounts July 2025

📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!

🎥 We're on YouTube! Watch full episodes on our YouTube channel here.

📝 Download our FREE ETF Handbook: everything you need to get started with ETFs.

—------ 

Want more Equity Mates?

Sign up to our daily news email

Listen to our original podcast: Equity Mates Investing (Apple | Spotify)

Pick up our books: Get Started Investing and Don’t Stress, Just Invest

Follow us on social media: Instagram, TikTok, & LinkedIn

—------

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today. 

—------

Get Started Investing is a product of Equity Mates Media. 

This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.

Equity Mates Media operates under Australian Financial Services Licence 540697.

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

Knowing what to invest in and how to invest in it, can get confusing. Not only are there now more options than ever, the terms used to describe them are full of acronyms and jargon. 

But don’t be disheartened. These terms are simpler than you might think. In this episode we explain 4 common terms you’ll hear beyond single stock investing; ETFs, Indexes, Mutual Funds and LICs. 

By the end of this episode, you’ll know what each of these terms mean and the key differences between them. 

Links Referenced: 

🎧 Listen to: why we love index funds (and you should too)

📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!

🎥 We're on YouTube! Watch full episodes on our YouTube channel here.

📝 Download our FREE ETF Handbook: everything you need to get started with ETFs.

—------ 

Want more Equity Mates?

Sign up to our daily news email

Listen to our original podcast: Equity Mates Investing (Apple | Spotify)

Pick up our books: Get Started Investing and Don’t Stress, Just Invest

Follow us on social media: Instagram, TikTok, & LinkedIn

—------

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today. 

—------

Get Started Investing is a product of Equity Mates Media. 

This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.

Equity Mates Media operates under Australian Financial Services Licence 540697.

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

If there’s one thing to get right in your financial life, it’s superannuation. It’s the biggest free kick you’ll ever get and worth bothering about.

To wrap up Super September, we’ve built the Ultimate Super Checklist: 9 complete steps that'll make your super work harder today to set you up for success tomorrow.

Listen to this episode, download the free checklist, and start ticking them off.

x

Links Referenced: 

📝 Download the Utlimate Super Checklist.

🎧 Listen to: Super September on Equity Mates and Your Super Questions Answered

📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!

—------

Want more Equity Mates?

Sign up to our daily news email

Listen to our original podcast: Equity Mates Investing (Apple | Spotify)

Pick up our book: Get Started Investing and Follow us on social media: Instagram, TikTok, & LinkedIn

—------

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today. 

—------

Get Started Investing is a product of Equity Mates Media. 

This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.

Equity Mates Media operates under Australian Financial Services Licence 540697.

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