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The financial impact of COVID-19 has been significant and stressful. In this episode, Ryan and Terry offer some practical tools and tips for stretching your dollar further and building your financial defence as we enter what looks to be a global recession. 

Also in this episode:

• The shocking sum of money that dipping into your super could ultimately cost you. 
• Why fixing your mortgage is a bad idea if you can afford not to. 
• The four one time actions that will help you save without any extra effort on your part. 
• Our 60minute budgeting challenge and tools that will help you rapidly build a cash cushion for what's coming. 

Episode show notes (with all links)
https://cashflowco.com.au/episode11/

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In the final episode of their first season, Ryan and Terry talk action. They discuss what drives the internal resistance that keeps us scared and stuck, and how to tackle the money monster one step at a time. 

Here's what you'll learn:

• The difference between gathering information and gaining knowledge. 
• The two seductive stories that cripple us financially.  
• The three beliefs at the heart of our financial apathy. 
• The ultimate cost of indecision (and why it's so easy to ignore). 
• A simple 5 step process for slaying the money monster using the secrets of a Stanford behaviour scientist. 

If you tend to sit on the sidelines and drag your heels with money decisions, this episode will help you get into the game and start making moves with your money.

Show notes:
https://cashflowco.com.au/episode10/

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In this episode, Ryan and Terry discuss the number one rule of wealth creation, and why most people unwittingly ignore it at their peril. 

Also in this episode:

• What the pass your hat around ritual has to do with insurance
• Why taking out insurance is one of the noblest things you can do
• The four core components of any wealth protection portfolio
• The crazy inconsistency that puts most of us at huge financial risk 
• Why using brokers can be your best friends, and sometimes your worst advisers when it comes to insurance (and how to avoid being duped) 
• The two biggest mistakes those who already have 'cover' tend to make

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In their most ambitious episode yet, Ryan and Terry lift the lid on some of the most valuable mental models used by top money managers and successful investors.

You'll discover the four fundamental concepts every investor should understand to avoid big money mistakes. You'll also learn why some of the 'safest' places to put your money might actually be the riskiest, and how the 'riskiest' might just be the safest.

If you know enough to know that you need to be investing but have been concerned you don't know enough to make an informed decision, this episode is for you.

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In the third instalment of the escape plan series, Ryan and Terry demystify investing. The discussion is centred around breaking down and through the big barriers that get in the way of learning and doing. 

Also in this episode: 

• The biggest misconceptions and myths that surround investing and 'investors'. 
• The crucial difference between investing and speculating. 
• The three precious resources you have to invest (and how to think about investing them)
• The hierarchy of how to invest your money - and where you'll always get the best return. 
• Why we fear investing (and who is responsible). 
• The true cost of sitting on the sidelines.

If you've been sitting on a stack of cash and worried about making a big mistake with your money, start here and look out for part two of this instalment.

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In the second instalment of the escape plan series, Ryan and Terry delve into what makes the difference between savers and spenders. Along the way, they explore the reasons why saving seems to be harder than ever and the false dichotomy inside our mind that stops us from even trying. Terry explains why the way you spend is the most important determinant of saving, and what you can do to flip the script and change the game. 

Also in this episode:

• The anatomy of an impulse purchase, and the one crucial strategy for breaking the cycle. 
• What empathy has to do with saving and investing. 
• The little known law of behavioural economics that can be leveraged to make you more resourceful and minimise mindless spending. 
• How to spend and get what you want in a way that makes saving more rewarding. 
• The one lifestyle item you must prioritise for liberal spending if you are to succeed at sustainable saving (and a simple tool to discover what it is)
• Two universal principles all successful savers apply relentlessly and the specific systems and structures that must exist to support them. 

If you've tried and failed to save successfully in the past, this episode can explain why. If you've set an intention to get better with managing your money, this episode will help you figure out what you need to do and how to do it.

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In their meatiest episode yet, Ryan and Terry discuss the real reasons some seem to have a knack for earning more than others and what you can learn from them. Here's what you'll discover:

1. How income is linked to impact, and what your pay has to do with problem-solving. 
2. A simple 2 part equation that explains why most people never earn what they could or should (and what to do about it)
3. The formula that shows you how to find and exploit the most profitable opportunities for earning more income. 
4. Three universal principles that will help you leverage the science of serendipity and consciously create your own 'luck'. 

If you've been searching for strategies to boost your savings so that you can speed up your escape from the rat race, you need to listen to this podcast.

Private podcast community
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In this episode, Ryan and Terry discuss the four timeless pillars of personal finance that combine to form an unbeatable financial game plan. If you've been wondering how all the puzzle pieces fit together, and why you might not be where you want to be, this useful framework will create clarity, simplicity, and momentum in your money life.

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In this episode, Ryan and Terry delve into the reason why 'money doesn't buy you happiness' is wrong, the two different types of happiness, and how following four simple rules can help you use money to not just get rich, but also build a rich life. If you've ever felt like your ideas about money might be working against what you want, you need to listen to this episode.

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In this episode, Terry expands on the lessons he learned overcoming his obstacles to building financial intelligence. You'll discover the biological battle being waged in your brain, and how two well known SCI-FI characters can explain why we often find it difficult to process money conversations and decisions. Terry also lays out a roadmap for overcoming these issues and mastering your money life.

Project zero
Click here to find out more about project zero

Join our private podcast community
Click here to get to know us better, debrief episodes and access our top 100 resources.

Follow us on Instagram
Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. 

Turn insights into action with Terry's episode coach

Join our podcast community
Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
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Find out your financial skill score
Do you have the money skills to fund your goals? Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/