Investor Motivation

What should a 25-year-old do with a $2–3 million inheritance?

In this episode, we break down a real-life case study of a young couple receiving a large early inheritance and the smartest ways to use it for long-term financial security and lifestyle balance.

We talk about whether it’s better to buy a home outright or take on a mortgage, and why learning to manage debt and cash flow still matters even when you have significant wealth. The conversation explores how to avoid lifestyle inflation, how to invest wisely across different assets, and why diversification is key.

We also dive into more advanced strategies like structuring investments through trusts, understanding tax implications, and how to make your money work for you over time. On top of that, we unpack the risks behind common property advice online, including overleveraging and relying too heavily on debt-driven strategies.

This episode is ideal for young adults receiving an inheritance, parents thinking about passing down wealth, and anyone who wants to build long-term financial freedom with intention and discipline.

Are you making financial decisions you might regret later?

In this episode, Rob Goudie and Rachel Todman dive into the most common (and costly) money mistakes people make, often without realizing it until it’s too late.

From upgrading homes and taking on too much debt, to panic-selling investments and ignoring long-term planning, this conversation breaks down real-life scenarios they see every day, and how you can avoid them.

This is not about judging decisions, it’s about helping you make smarter, more confident financial choices.  Whether you're investing, buying a home, or planning your future, this episode will help you pause, think, and avoid costly regrets.

Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

When headlines are filled with wars, rising fuel prices, and global uncertainty, it’s easy for investors to feel anxious and question whether they should be making changes to their portfolio.

In this episode, Rob Goudie and Amy Lehman discuss how global headlines can influence investor sentiment, and why markets don’t always react the way the news suggests.

With rising fuel prices and increasing global uncertainty, many investors feel pressure to make changes to their portfolios. But does negative news always mean markets will fall?

Rob and Amy explore the relationship between media headlines, market volatility, and investor behaviour, and explain why focusing on long-term fundamentals can help investors avoid emotional decisions.

This discussion provides general insights into how markets behave during uncertain periods and why maintaining a long-term perspective can be important for investors.

Are you contributing to super but unsure if you’re making the most of the contribution caps? Many Australians continue their regular contributions without reviewing how annual cap changes may affect their strategy.

In this episode, Rob and Ash discuss the potential superannuation contribution cap changes for the 2026–27 financial year, including concessional and non-concessional limits. They explain how these caps work, touch on strategies such as salary sacrifice and the bring-forward rule, and outline the role superannuation plays as a tax structure in long-term retirement planning.

#superannuation #australianfinance #retirementplanning #investormotivation

Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401

Feeling worn out at work and thinking about retirement? Wondering if your super will be enough and how you’ll manage your income when you stop working?

In this episode, Rob Goudie and Ash Rowan talk through these common concerns in a clear and supportive way. They share practical ideas to help you move into retirement with more confidence, even if work has been challenging or your financial future feels uncertain.

You’ll learn how to make the most of your leave entitlements and superannuation to create a steady income, better understand pension options and Age Pension eligibility, and plan for a retirement that supports both your finances and your lifestyle.

Tune in to gain clarity and start building a simple, practical plan for a more relaxed and secure retirement.

Feeling overwhelmed by HECS debt and the dream of owning a home?

Rob Goudie and Ash Rowan tackle this crucial financial question. Ash shares his personal journey of clearing HECS debt and the psychological impact it had. Rob offers his insights into why a substantial house deposit might be a smarter move in today's market.

Join the conversation as we explore the trade-offs, the impact on your financial future, and how to make the best decision for your situation.

Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401

What really happens to your Age Pension, Centrelink benefits, and aged care fees when one partner passes away?

What happens to your retirement plans when life suddenly changes?

Scams are everywhere—and they’re getting smarter. In this episode, Rob Goudie is joined by Rachel Todman to discuss the growing threat of scams, especially during the Christmas period when urgency and distraction are high.

They share real-world experiences, discuss why even intelligent and cautious people fall victim to scams, and explain how criminals use pressure, fear, and trust to manipulate their targets. The conversation also covers investment scams, phishing emails, fake text messages, social media impersonation, and why recovering money is often difficult once it’s gone.

This episode highlights the importance of slowing down, verifying information through official channels, and speaking up if something doesn’t feel right. Scams can happen to anyone—and awareness is the strongest form of protection.

📌 Key takeaway: It’s not about being smarter—it’s about slowing down.

Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

Thinking about setting up a Self-Managed Super Fund? Before you do, this episode could save you years of costly mistakes.

In this episode, Amy Lehmann and Rob Goudie break down Self-Managed Superannuation Funds (SMSFs) who they’re for, when they make sense, and when they don’t.

SMSFs are often promoted as a powerful strategy, especially for property, but they’re not suitable for everyone. They discuss the real benefits, key risks, tax and fee considerations, and common mistakes people make when setting one up.

Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401.