Not Rich Yet Show

Earning money but still wondering where it all goes? Gav and Jase talk through how to recognise your current situation and choose a useful next step—whether you’re getting by, rebuilding, saving for a goal or weighing up investing. There’s room for golf, a few hard-earned lessons and a plan that fits real life.

In this episode

• Spotting what is keeping you stuck
• Looking at consumer debt alongside investments
• Making room for saving without cutting out everything you enjoy
• Matching your next money move to your goals and circumstances

Chapters
0:00 Where should your next money move start?
0:33 Why your situation changes the next step
9:50 Getting by and rebuilding after a setback
15:49 Good income, little left over
19:38 Saving for something that matters
22:24 Investing, choice and financial freedom
24:25 Looking at debt alongside investments
29:37 Choosing one step to take next

What’s one money step you’d like to make easier? Let us know in the comments.

If you’d like help applying this to your own situation, you can find out more or book a chat with the Muney team.
Muney: https://muney.com.au/
Book a chat: https://muney.com.au/book-a-free-session/

Newlyweds Alex and Yasmine both work online and love travelling, but they’re unsure how to make a long trip fit alongside saving, investing and their future home goals. Gav and Jase help them put real numbers around the dream and work out what they want their money to do.

Together they explore a possible $100,000 year of travel, giving, property and family goals—and the trade-offs that come with each. Then they map out a Money Master Plan, including a simple envelope system that gives every dollar a job and makes it easier to see what’s available to spend.

What We Cover

• Why Alex and Yasmine feel like they’re spending everything they earn

• How to get on the same page about money and the future

• What a year travelling could cost, including a rough $100,000 budget

• Balancing travel with giving, investing and future home plans

• How a Money Master Plan and envelope budgets can make the next steps clearer

Timestamps:
0:00 — A simpler money system
0:31 — Meet Alex and Yasmine
3:00 — How they manage money now
15:00 — Balancing life now and later
23:25 — Budgeting for a year of travel
35:30 — Property and future home goals
45:05 — Building a Money Master Plan
48:00 — How envelope budgeting works

Links:

Muney — https://muney.com.au/

Free 45-minute financial-health call — https://deposit.muney.com.au/book1746673493436

When you keep telling yourself you’re bad with money, it can become a reason to avoid it altogether. Today, Jas and I challenge that story and explain why managing money is a skill you can learn - not a fixed part of who you are.

What We Cover

• How the “I’m bad with money” belief keeps you stuck
• What Gav and Jas learned from their own money mistakes
• Building a system instead of relying on willpower
• Starting small and recognising progress beyond your bank balance

Timestamps:

0:00 — The “I’m bad with money” story
5:31 — Jas’s interest-free credit card mistake
8:45 — Gav’s spending habits and school report
12:06 — A skill gap, not a personality trait
13:59 — Breaking the cycle: systems, support and small steps
17:19 — Avoiding quick fixes and recognising progress

Links:

Muney
Free 45-minute financial-health call

Ayden has changed the way he handles money. He paid off $6,500 in buy-now-pay-later and other personal debt, started saving and investing, and stopped spending his account down to almost nothing.

But with several money goals competing for attention, what should come first?

Gav and Jase sit down with Ayden for a practical money review. They look at his savings and investing goals, the subscriptions and bank accounts shaping his weekly spending, and the roughly $48,000 car loan that may be holding back his next steps.

The conversation turns a vague feeling of being behind into a clearer order of priorities.

What We Cover

- How Ayden changed his spending habits and paid off debt

- Setting savings, investing and emergency-fund goals

- Subscription costs and a clearer bank-account structure

- Why Gav and Jase put the car loan higher on the priority list

Timestamps

0:00 — The car loan question and Ayden’s money reset

6:19 — Setting goals and finding the savings gap

11:19 — Subscription quick wins and bank-account structure

19:28 — Why the car loan changes the plan

Links

Muney: https://muney.com.au/

Free 45-minute financial-health call: https://deposit.muney.com.au/

book1746673493436

Gav is joined by his two sons, Daniel and Jackson, for a special episode on teaching kids about money. We break down the four money principles Gav is instilling in his boys, why "live reps" beat lectures, how their allowance and savings system works, what the boys themselves think about money, value, and mistakes they've made along the way.What We Cover:- Why financial habits are generational and the stats behind adult money struggles- The four money principles: live reps, money as a tool, saving/investing, and money isn't scarce- Gav's own upbringing with allowance, tax jars, and the lessons that stuck (and didn't)- Letting kids feel natural consequences instead of shielding them from money mistakes- How the boys' allowance is structured (short-term vs. long-term savings split)- Involving kids in bigger family financial decisions (school, holidays)- Why allowance isn't tied to chores in their householdTimestamps:0:00 – Intro1:30 – Why this matters: the stats on adult financial habits4:40 – What happens if this is ignored generational habits6:00 – Gav's own upbringing with allowance and tax jars9:30 – Letting kids learn through natural consequences16:40 – The boys' allowance structure explained19:00 – What the boys save and spend on23:00 – Involving the kids in financial decisions 26:00 – Family contribution and the boys' allowances29:00 – The favourite things the boys have purchased themselves30:30 – The boys' biggest regrets and lessons learned35:30 – Recap and outroLinks:👉 https://muney.com.au/📞 Book a free 45-min call: https://deposit.muney.com.au/book1746673493436

In this episode, Gav and Jas are joined by Crystal from Credit Repair Australia to break down exactly what's listed on a credit report; personal details, inquiries, accounts, repayment history, defaults, and judgments. Then explain why fixing what's wrong on the report matters far more than chasing a number.What We Cover:- The difference between your credit score and your credit report- Why incorrect personal information can get you declined before your score is even considered- How credit accounts and limits affect your borrowing capacity, even at a zero balance- What a credit inquiry is, and why "shopping around" can backfire- Repayment history explained, and how long it stays on your report- Financial hardship listings and how long they last- How to get your credit report reviewed with Credit Repair AustraliaTimestamps:0:00 – Intro1:35 – Why this matters and what happens if it's ignored2:30 – Credit score vs. credit report explained4:15 – Personal information: why it's overlooked and why it matters7:38 – Credit accounts and why limits count even at zero balance9:15 – Credit inquiries and the risk of shopping around12:33 – Repayment history explained14:00 – Payment defaults and the 5-year impact15:45 – Financial hardship information16:45 – Court judgments explained18:00 – Why even big banks get it wrong19:30 – What to check before applying for finance20:45 – Outro / how to get your credit report reviewedLinks: 👉 https://creditrepair.com.au/👉 https://muney.com.au/📞 Book a free 45-min call: https://deposit.muney.com.au/book1746673493436

In this episode, Gav and Jas wrap up the couples miniseries with "money dates": a simple, structured monthly conversation that keeps couples aligned, on the same team, and moving toward their financial goals.

What We Cover:

- Why money conversations feel hard and the one shift that fixes it

- Gav's own story: from defensive arguments to a working system with his wife

- Real client case study: paying off $20-30K in credit card debt with a money date structure

- What to bring/prepare before a money date

- The 5-part money date agenda

- The 6 ground rules that stop money dates turning into fights

Timestamps:

0:00 Why Couples Only Talk About Money When It’s a Problem

1:45 The Hidden Reason Money Conversations Feel So Hard

4:10 The Simple Shift That Changes Everything

6:30 What a “Money Date” Actually Looks Like

9:15 The 5-Step Money Date Framework (Do This Monthly)

14:40 How to Avoid Arguments & Stay on the Same Team

18:10 Making Money Conversations Fun (Yes, Really)

20:45 The Long-Term Impact Most Couples Miss

Links:

👉 https://muney.com.au/

📞 Book a free 45-min call: https://deposit.muney.com.au/book1746673493436

Most couples default to either fully separate or fully combined finances - and both often end up not working. In this episode, Gav and Jas break down a third option, the hybrid model. We explain why it works, and how to actually set it up so you can both work toward shared goals without giving up your freedom to spend.What We Cover:- The three money models: separate, combined, hybrid- Pros and cons of keeping finances fully separate- Pros and cons of combining everything- Why combined can create a "controller and child" dynamic- The hybrid ("ours, mine, yours") model explained- How income flow works in the hybrid setup- Signs you're using the wrong model for your relationship stage- How to transition from separate or combined into hybridTimestamps:0:00 – Intro1:30 – The two default models most couples fall into4:00 – Why this matters and what happens if it's ignored6:30 – Gav's personal story: separate → combined → hybrid10:00 – Model 1: Fully separate13:00 – Model 2: Fully combined19:00 – Model 3: The hybrid model23:30 – How to set it up with a partner26:00 – Transitioning from your current model28:00 – RecapLinks:👉 https://muney.com.au/📞 Book a free 45-min call: https://deposit.muney.com.au/book1746673493436

This episode is about getting on the same page financially as a couple - as money is a significant factor in the success of relationships. We break down in this episode why couples get misaligned and walk through a simple process to fix it, including a real exercise you can use with your own partner. If money's been a sore spot in your relationship, this one's for you.What We Cover:- Why couples struggle to align financially- Real example: a couple in $15-20k credit card debt from misaligned spending- Gav's own story of buying a car before checking in with his wife- Step 1: Talking about each other's financial goals- Step 2: Understanding each other's money story- Step 3: Creating a shared goals plan- Step 4: Scheduling regular money check-ins- The "Flag" exercise: fun, investments, freedom and giving buckets- How to use freed-up cash flow to build a future you're both aligned onTimestamps:0:00 Intro1:30 Why money causes arguments in relationships3:00 Client story: $20k in credit card debt from misalignment6:30 Gav's hot hatch story10:30 Step 1: Know each other's financial goals12:30 Step 2: Understand each other's money story16:00 Step 3: Create a shared goals plan18:00 Step 4: Schedule regular money check-ins19:30 The Flag exercise explained21:00 Fun bucket examples22:30 Investments bucket examples23:30 Freedom bucket examples25:00 Giving bucket examples26:30 Wrap up and how to get helpLinks: Muney website - https://muney.com.au/Free 45-minute call with a financial expert on your situation - https://deposit.muney.com.au/book1746673493436

Debt gets out of control for a lot of people, and it's not talked about enough. This week Crystal from Credit Repair Australia joins Gav and Jas to break down when debt becomes unmanageable, why it happens, and what your actual options are to get out of it.What We Cover:- Manageable vs unmanageable debt- What causes debt to spiral- Why consolidation loans aren't the fix people think- Informal options: payment pauses, reduced repayments, settlements- Formal options: bankruptcy and debt agreements- Common debt myths, bustedTimestamps:0:00 – Intro, meet Crystal from Credit Repair Australia1:30 – Manageable vs unmanageable debt5:00 – What causes debt to spiral9:00 – Why consolidation loans backfire16:00 – Informal options (pauses, reduced repayments, settlements)19:30 – Bankruptcy explained22:00 – Part 9 debt agreements27:00 – Debt myths busted32:00 – Where to go for helpLinks:Muney website - https://muney.com.au/Free 45-minute call - https://deposit.muney.com.au/book1746673493436