Maddy and James are both senior, both earning well, and last year they opened a tax bill with six figures on it and no idea how they were going to pay it.

The problem was never income. It was employer equity. Every vest built the paper wealth and the tax liability at the same time, and they'd been covering it by selling shares and draining savings, three times over. Then they upgraded the house, sold more stock to fund the stamp duty, and the cycle got worse.

This is how they got out of what they call tax jail, and what changed once they did. Twelve months on they're comfortably up six figures, they've got pre-approval on an investment property, an ETF portfolio, and they're talking to architects about the renovation.

WHAT YOU'LL GET OUT OF IT

• Why a bigger salary and an equity comp plan created a problem instead of solving one

• The trap of selling shares to pay the tax on shares, over and over

• Concentration risk when your income and your portfolio come from the same company

• Why they held every vest for years, and the moment that changed

• Getting burned by a previous adviser, and what they would look for now

• How the budget capital gains changes made them pause an investment property

• Ten years of lost super across four funds, and how it finally got fixed

• Why top few percent earners still end up shuffling money at the end of the month

• Debt recycling, offsets and the strategies they had never heard of

CHAPTERS

00:03 Rapid fire round

07:09 Intro

07:35 Senior, well paid, and still stretched

09:53 The moment the tax bill landed

10:32 How they found out, and the options they weighed

11:35 How they'd been handling it before

12:43 What Sunday night money chats looked like

14:16 The moment they decided to act

15:05 Concentration risk in employer shares

18:00 What it would have cost to keep going

18:58 Getting burned by a previous adviser

21:43 Selling vested shares, then versus now

25:12 What they used to believe about money

27:25 What surprised them about the process

29:47 The decision they now make differently

31:27 What used to keep them up at night

32:43 What's possible now that wasn't 12 months ago

33:29 A refinance in five days

33:59 What's different day to day

36:19 Ten years of lost super, sorted in weeks

37:07 What actually changed about their lifestyle

38:41 Sunday night money chats now

39:39 Why they paused the investment property after the budget

42:11 What Ian said that stuck

44:00 What makes the fees worth paying

45:27 Advice to their 21 year old selves

Smarter money moves start here.

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Virgin Millionaire: https://amzn.to/3VFPPDM

Replace Your Salary by Investing: https://amzn.to/3J9Ta8g

Get Unstuck: https://amzn.to/3xo0MQG

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DISCLAIMER

This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

There are more than 70,000 kids' investment accounts sitting on one Australian platform, and it's the fastest growing part of the business. Craig Keary is the new CEO of Raiz, and before that he spent thirty years across HSBC, CBA, Westpac and AMP Capital, plus a stint running Selfwealth.

Craig shares what he's seeing across 350,000 active accounts, including what people actually did with their money through the tariff volatility and the Middle East tensions, and whether the budget changed anyone's behaviour at all. We also get into why younger Australians have almost no home country bias, and the habit Craig reckons costs investors more than fees ever will.

WHAT YOU'LL GET OUT OF IT

• What 350,000 accounts show about how people behave when markets get ugly

• Why kids' accounts are growing faster than anything else, and what parents are getting right

• Whether the budget's property tax changes have shifted anyone's investment strategy

• The generational split between global investors and franking credit hunters

• Why dollar cost averaging beats trying to pick your moment

• What investing looked like thirty years ago at 2.5% commissions

• Whether today's tech giants are just the railways of a century ago

• The ego problem that quietly wrecks good portfolios

CHAPTERS

00:16 Intro

00:56 What's changed in markets and the world

02:27 Time in the market beats timing it

03:09 What 350,000 accounts actually show

03:44 Why kids' accounts are the fastest growing thing

05:40 Has the budget changed anyone's behaviour

08:12 Gen Z go global, boomers want franking credits

09:30 Why visible progress keeps people invested

10:30 The headlines versus your actual balance

11:48 AI, tech and whether this time is structural

14:19 US stocks coming to the platform

15:19 What investors should get right from here

17:30 Don't chase the trend

19:00 Emergency funds and why they protect the strategy

19:40 Dollar cost averaging and round-ups

21:00 How Craig built his money knowledge over 30 years

22:30 Don't let your ego wreck your investing

23:11 Travel, Waymo and an expensive lesson

23:51 What diversification actually means

CRAIG KEARY, RAIZ INVEST Craig on LinkedIn: https://www.linkedin.com/in/craigkeary/

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Replace Your Salary by Investing: https://amzn.to/3J9Ta8g

Get Unstuck: https://amzn.to/3xo0MQG

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DISCLAIMER

This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Matt Lakajev dropped out of school, got kicked out of home more than once, and worked 25 different jobs before having a breakdown at 27 that sent him back to his parents' place. He then googled how to make the most money without a degree, found sales, and built an audience of more than 100,000 people on the platform everyone claims to hate.

This one's for anyone in a senior role who knows their network matters but has never posted a thing. Matt gets specific on why LinkedIn still converts better than anywhere else, what AI screening is quietly doing to your job applications, and why hitting post for the first time takes most people about three years.

WHAT YOU'LL GET OUT OF IT

• Why LinkedIn works despite being, in Matt's words, a Windows 95 sitting next to a MacBook

• The one thing you can't fake on LinkedIn that you can fake everywhere else

• What AI resume screening means for how you actually find your next role

• Trust leverage, and why companies hire the safe 80% performer over the superstar

• How to handle tall poppy syndrome and the feeling that posting is just showing off

• Word for word, what your first post should say

• The kind of knowledge AI can never replicate, and why it's the only thing worth posting

• The three mistakes that make experienced people look like beginners online

CHAPTERS

01:20 Intro

01:42 The 27 years Matt calls his loser era

02:38 Why LinkedIn, of all places

04:30 What actually drove the growth

06:48 The one platform where people can't lie

09:30 Why some people post and most never will

11:22 The opportunity for senior professionals

12:30 AI is screening you out before a human sees you

13:30 Trust leverage and Dunbar's number

14:30 Why hiring is really about de-risking

16:09 Where to start if you've never posted

17:30 Messages people actually reply to

18:56 Open curiosity loops

19:30 Tall poppy syndrome

21:21 Two rules for posting

21:55 Exactly what your first post should say

23:50 Is posting just showing off

26:43 What to post, and the formats that work

28:30 The knowledge AI can't copy

31:43 Post length and image size

32:26 Three mistakes to avoid

MATT LAKAJEV, SEVEN FIGURE CREATORS

Free LinkedIn Profile Kit, 24 custom Figma templates: https://sevenfigurecreators.com/lm/a-free-kit-to-design-your-linkedin-profile/

Matt on LinkedIn: https://www.linkedin.com/in/mattlakajev/

Matt on YouTube: https://www.youtube.com/@matthewlakajev

Smarter money moves start here.

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Virgin Millionaire: https://amzn.to/3VFPPDM

Replace Your Salary by Investing: https://amzn.to/3J9Ta8g

Get Unstuck: https://amzn.to/3xo0MQG

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DISCLAIMER

This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Nada and Adrian came to Pivot with one property and a plan to buy another. Adrian also had a list of his own: refinance the house, buy the second property, buy a $130,000 car, then take a holiday. His words for how that would have gone are not repeatable in a description.

Three months in, the plan looks nothing like that. Two weeks after their strategy session the federal budget landed and changed the maths on the second property entirely, so they went back to the drawing board and ended up somewhere they'd never seriously considered. This is an honest look at what the first few months of getting advice actually feels like, including the admin, the arguments about a $2,000 suit, and the moment it clicked.

WHAT YOU'LL GET OUT OF IT

• What their plan was before they got advice, and what it would have cost them

• How the budget forced a full rethink two weeks after the strategy was set

• Choosing shares over a second property, and how they got comfortable with it

• Aligning as a couple when one of you wants to travel and the other wants a car

• The money myths they both believed, including that earning more means keeping more

• Planning around starting a family and the income dip nobody accounts for

• What surprised them most about the process

• What they'd tell someone who thinks they don't have enough money for advice

CHAPTERS

00:13 Rapid fire round

17:59 Intro

20:34 What was on their mind before they got advice

24:38 The turning point

27:02 What staying stuck would have cost them

28:08 What surprised them about the process

31:19 The moment it clicked

33:17 How they talk about money now

36:02 The frustration that's gone

36:49 What they're working towards

38:34 Why the budget made them choose shares over property

40:11 What Reece said that stuck

41:08 Advice for anyone on the fence

43:10 What if you think you can't afford advice

45:45 Advice to their 21 year old selves

Smarter money moves start here.

Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster.

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Virgin Millionaire: https://amzn.to/3VFPPDM

Replace Your Salary by Investing: https://amzn.to/3J9Ta8g

Get Unstuck: https://amzn.to/3xo0MQG

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DISCLAIMER

This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Same money, same returns, same twenty years. One fund charges 0.2%, the other charges 1%. The difference is more than fifty thousand dollars, and Shani Jayamanne ran the numbers before she walked into the studio.

Shani is an Investment Specialist at Morningstar, co-host of Investing Compass and co-author of Invest Your Way. Morningstar runs a study twice a year comparing what funds return against what the investors in those funds actually get, and the funds win by 1.2% a year. Shani explains where that gap comes from, why Australians are among the best in the world at closing it, and what that has to do with the fact that someone else decides when your super goes into the market.

WHAT YOU'LL GET OUT OF IT

• The gap between investment returns and investor returns, and exactly what's causing it

• Why losses hurt more than twice as much as gains, and the two mistakes that come from it

• What a 1% fee really costs you over twenty years

• Why more investment options make people less likely to invest at all

• What happens to your returns if you miss the ten best days in the market

• Lump sum versus dollar cost averaging, and where Ben disagrees with the research

• Why the most sophisticated investors tend to have the simplest portfolios

• The investment specialist who doesn't pick stocks, and why

CHAPTERS

00:21 Intro

00:44 The biggest mistake Australian investors make

01:30 Mind the Gap: your fund beat you by 1.2%

02:30 Why compulsory super makes Australians better investors

04:00 Loss aversion, and why losses hurt 2.25 times more

06:11 Do men and women invest differently

06:30 Complexity is not sophistication

08:00 Boring is profitable

10:30 The chart a colleague left on her desk

12:00 Why more choice means less action

15:22 Thematic ETFs and the AI question

19:43 Growing up with cash and property and no shares

22:00 Fifty dollars a week on a $56,000 salary

24:16 What changed in how she invests

26:30 What a 1% fee really costs

27:55 Where markets are and what's already priced in

29:27 Lump sum or drip feed, and Ben pushes back

33:24 Advice to her 21 year old self

SHANI JAYAMANNE, MORNINGSTAR

Investing Compass on Apple: https://podcasts.apple.com/au/podcast/investing-compass/id1533956604

Investing Compass on Spotify: https://open.spotify.com/show/70E7mbBaJOFuVQOGhxWsK3

Invest Your Way: https://amzn.to/46qMXAu

Morningstar Australia: https://www.morningstar.com.au

Smarter money moves start here.

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Virgin Millionaire: https://amzn.to/3VFPPDM

Replace Your Salary by Investing: https://amzn.to/3J9Ta8g

Get Unstuck: https://amzn.to/3xo0MQG

All books: https://www.pivotwealth.com.au/books

FOLLOW

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DISCLAIMER

This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Everyone's calling it a crash. Louis Christopher runs SQM Research, one of Australia's biggest property data houses, and he says that word is wrong. What we're in is the largest downturn in 10 to 15 years, but the one ingredient every genuine housing crash has ever needed is missing here.

Louis breaks down where the market actually is, which cities are falling hardest, and which pockets are barely moving at all. We get into what the budget's tax changes are really doing to investor behaviour, why rents have stalled when everyone expected them to spike, and what he'd buy if he were putting money in today.

WHAT YOU'LL GET OUT OF IT

• The difference between a correction and a crash, and why a 10% property fall hurts more than a 10% sharemarket fall

• Why Australia isn't set up for a US or Ireland style collapse

• The city by city forecasts for the rest of the year

• What happened to rents after the negative gearing changes, and why the answer is more concerning than it looks

• Which markets are holding up, and the ones carrying the most risk right now

• How long this downturn runs, and what the long term growth rate looks like from here

• Whether the 6.8% long term average still holds

CHAPTERS

00:00 Intro

00:25 Where the property market actually is right now

02:24 Crash or correction, and why the difference matters

03:15 Why a 10% property fall hurts more than a 10% sharemarket fall

04:00 How APRA and the RBA really behave in a downturn

05:00 How long downturns last, and why this one is structural

06:30 What the budget tax changes did to the investor maths

08:45 The flow-on to the economy and state budgets

11:25 Rents went up $2 a week, and why that is the worrying part

13:00 Which suburbs are most exposed

16:18 Semi-rural and lifestyle property, and the risk nobody prices

18:09 Airbnb income and the wealth effect

19:00 The city by city forecasts

21:08 Adelaide and Perth

26:02 What actually drives values over the long term

28:37 How people are coping with record rents

30:17 Population growth and the 6.8% question

34:52 Where Louis put his own money

Smarter money moves start here.

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Virgin Millionaire: https://amzn.to/3VFPPDM

Replace Your Salary by Investing: https://amzn.to/3J9Ta8g

Get Unstuck: https://amzn.to/3xo0MQG

All books: https://www.pivotwealth.com.au/books

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DISCLAIMER

This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

This episode of the Mo Money Podcast is a money diary session with a client of ours, Amanda. Amanda talks about her money journey and how she's done reverse rent vesting, essentially sold her home so that she could rent and invest at the same time, and how she's used that strategy to acquire multiple investment properties and build a share portfolio and start making passive income and a transition away from corporate achievable in less than five years.

We get into a bit of the mindset or the things that were happening in Amanda's world at the time that she first jumped into the planning process, some of the sticking points along the way, and what she's most excited about coming up. This episode is perfect for anyone that wants to understand the different pathways that you can use to get ahead with your money smarter.

Smarter money moves start here.

Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:

Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking

Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au

Follow us on socials:

Instagram: https://www.instagram.com/pivotben

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Facebook: https://www.facebook.com/pivotwealth/

Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth

Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

In this episode of the Mo Money Podcast, we have a Money Diary session with Nikki, where she unpacks some of the big shifts that she's made with her money over the last little bit, what it was like making some really big decisions about an employer share plan for a company that had just listed on the stock exchange, how she made decisions around creating or replacing her work salary with investment income, streamlining properties, saving a bunch of tax through investing and investing structures, and some of the mindset imposter syndrome stuff that was sort of getting in her way when she first started with her planning.

This episode is perfect for anyone that that wants to understand the different pathways that can take you from where you are to where you want to be with your money.

Smarter money moves start here.

Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:

Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking

Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au

Follow us on socials:

Instagram: https://www.instagram.com/pivotben

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Facebook: https://www.facebook.com/pivotwealth/

Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth

Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

In this episode of the Mo Money Podcast, we chat about debt recycling post the budget, what it is as a bit of a refresher, but importantly, how the budget changes or lack of changes around share investing and negative gearing for shares has made debt recycling one of the last real bastions, I suppose, of tax deductions for really any investors moving forward.

So, we get into some of the mechanics, we talk about the budget rule changes and how that impacts or doesn't impact debt recycling, as well as how you can set this up, the key things that you need to make sure that you're getting right, particularly if you're investing through debt recycling in the post-budget world.

This episode is perfect for anyone that owns their own home or is planning to and has some debt against it. That likes getting tax deductions and that wants to replace their work salary with investment income.

Smarter money moves start here.

Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:

Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking

Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au

Follow us on socials:

Instagram: https://www.instagram.com/pivotben

TikTok: https://www.tiktok.com/@bentalksmoney

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Facebook: https://www.facebook.com/pivotwealth/

Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth

Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

On this episode of the Mo Money Podcast, we unpack the budget changes and what it means for your money and investing. We talk about you know the issues and the challenges that have come from the budget, as well as the opportunities that are out there for investors today.

We unpack these newly announced changes to SMSF borrowing and what that actually means for property investors, as well as how to invest without paying any capital gains tax when you're strategic, the power of structures, tax planning on your investments, and the key opportunities, particularly for higher income earners in the post-budget environment, how the rulebook has changed and what the new one actually looks like.

This episode, well, I think it's actually critical for anyone that wants to be smart, given how much change has happened over the last little while.

Smarter money moves start here.

Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:

Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking

Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au

Follow us on socials:

Instagram: https://www.instagram.com/pivotben

TikTok: https://www.tiktok.com/@bentalksmoney

YouTube: https://www.youtube.com/c/BenNashPivot

Facebook: https://www.facebook.com/pivotwealth/

Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth

Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.