As we head into a new year, many people want to get ahead financially — but struggle to work out why their money never seems to stick. 

In this TPC Gold, Ben unpacks the difference between intentional wealth and unconscious spending, highlighting how lifestyle creep, forgotten subscriptions and interest costs quietly erode surplus over time. 

This short episode sets the foundation for building financial clarity and making better trade-off decisions with your money. 

If you want to take this further, Ben will be unpacking these ideas in detail in Empower Wealth’s upcoming live webinar, where you’ll learn how to track your money, target surplus, and take back control heading into 2026.

👉 Live webinar: 7:30pm AEDT, Tuesday 13 January 2026

 👉 Register here

LISTEN TO THE FIRST 20 EPISODES HERE >>

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