In this episode, Hovig and Peter break down one of the biggest misconceptions everyday Australians have about money:

“I need more before I can start.”
…when the truth is, most people already have the ingredients — they just don’t know where to look.

From super, to equity, to tax dollars you’re already paying, this episode uncovers the “invisible money” sitting right under your nose — and how everyday mums and dads can use it to build wealth sooner, instead of waiting years to “save enough”.

They unpack:
💡 Why you don’t need to be rich to start building wealth
💡 The three main types of invisible money almost everyone has
💡 Why doing nothing is often the most expensive mistake
💡 How simple tweaks (home loan structure, cashflow clean-ups, using tax dollars smarter) can accelerate your financial position
💡 Real client stories — from people who started with little and still transformed their future
💡 The real cost of procrastination: renting vs buying, missing compounding, retiring on the pension
💡 Why advice needs to be personalised — not from Google, not from ChatGPT, not from guesswork
💡 What the top 5% of Australians do differently

Packed with straight talk, humour, and real-world examples, this episode will help you rethink what’s possible — no matter your income, age or starting point.

📞 Want to chat with our team?
Email us at [email protected]
or visit 👉 https://smartmoneygroup.com.au
A quick 10-minute conversation can show you whether there are areas we can help with — and the worst case?
You learn something valuable.

All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846.
Copyright © SmartMoney Wealth Management. All Rights Reserved.

💰 Episode #4 — The $2 Million Retirement Reality Check: Why Doing Nothing Is Riskier Than You Think

Most Australians underestimate how much they’ll actually need to retire comfortably — and the reality might shock you.

In this episode, Hovig and Peter break down the real math behind the so-called “$2 million retirement number,” the dangers of lifestyle creep, and why letting your money sit idle could be the riskiest decision of all.

From inflation to income planning, they reveal practical steps you can take today to close your retirement gap and secure your financial future — without giving up your lifestyle.

🎙️ Relatable stories. Straightforward insights. A few laughs along the way.
This is your wake-up call to start building wealth that works for you — not against you.

👉 Learn more or get in touch at smartmoneygroup.com.au

All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846.
Copyright © SmartMoney Wealth Management. All Rights Reserved.

Most Aussies think their mortgage is simple — you borrow, you pay it back.
But what if your $650,000 home loan actually costs you $1.3 million over time?

In this episode of Here Comes the Money, Peter Kaleski and Hovig Evanian expose the real cost of a mortgage — and how the banks quietly make you pay double without you even realising.

They unpack:
💰 Why rate drops don’t actually save you much
🏦 How the banks keep you trapped for 30 years
⚖️ The smarter way to use your equity and tax dollars
🚀 And how to turn your home loan into a wealth-building strategy

Don’t just pay your mortgage — leverage it.
Tune in now to find out how to escape the debt trap and start building real wealth.

All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846.
Copyright © SmartMoney Wealth Management. All Rights Reserved.

This episode of Here Comes the Money with Peter & Hovig tears apart the myths that keep everyday Aussies trapped in the financial system. From the illusion of “working harder” leading to freedom, to the hidden truth that your biggest debt might actually be retirement, Peter and Hovig expose the lies, traps, and systemic flaws that keep people poor. With bold insights into mortgages, government policy, and the psychology of money, they reveal how the game is rigged—and more importantly, how to play it smarter. Packed with shock-value truths, relatable examples, and a touch of humour, this episode flips traditional financial advice on its head and empowers viewers to take control of their financial future.

All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846.
Copyright © SmartMoney Wealth Management. All Rights Reserved.

You’ve heard the headlines — but here’s what’s really happening. In the first episode of Here Comes The Money, SmartMoney Directors Peter Kaleski and Hovig Evanian unpack the truth about finance, property, and wealth that most Aussies never hear. Straight talk. No fluff.

All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846.
Copyright © SmartMoney Wealth Management. All Rights Reserved.

Everyone wants to know what's happening in the world of finance, property and wealth, but not everyone has the time or patience to read through a bunch of news articles. 

Join SmartMoney Directors Peter Kaleski and Hovig Evanian in the first Episode of “Here Comes The Money” as they explore these topics and more.

All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Axies Pty Ltd (ABN: 38 136 704 446), the holder of the Australian Financial Services Licence no. 339384.Copyright © SmartMoney. All Rights Reserved.