Young Money Australia

In this episode, Sophie is joined by Jessica Pelham-Webb and Nicole Wright to discuss all things debt:
- What are the different types of personal debt?
- What are debt traps, and how do you look out for them?
- What is a student loan, and how does it work?

Jessica has worked in the financial services industry for nearly twenty years, and holds a Bachelor of Business (Financial Planning) and an Advanced Diploma of Financial Services (Financial Planning). Jessica has extensive experience in superannuation, investments and several other areas of financial planning including lending.

Nicole Wright is the Fundraising & Engagement Manager at CEF and has also taken on content creation in recent months, which gives her the opportunity to tell the fantastic stories of CEF students and volunteers.

Young Money is the one stop reference for young Aussies seeking information on making money, spending money and planning for the future.

Visit findex.com.au/young-money to access the full library of resources.

The information contained is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before you make any decisions in relation to a financial product, you should obtain and read the relevant Product Disclosure Statement or information statement. You should seek personal financial advice before acting on any material.

The views and opinions expressed in this podcast are those of the presenters and do not necessarily reflect the thought or position of Findex Community Fund. Please refer to our website for full disclaimer information https://www.findex.com.au/disclaimers/disclaimer-and-disclosure.

Episode transcript: https://bit.ly/36tvtmT

In this episode, Sophie is joined by Paul Milbourne to break down and explain insurance:
- What is insurance?
- What are the different types of insurance?
- Why do I need insurance?

Paul has over 18 years' experience in the financial services industry, and his clients include a variety of professionals including accountants, business owners, lawyers, medical professionals and executives.

Young Money is the one stop reference for young Aussies seeking information on making money, spending money and planning for the future.

Visit findex.com.au/young-money to access the full library of resources.

The information contained is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before you make any decisions in relation to a financial product, you should obtain and read the relevant Product Disclosure Statement or information statement. You should seek personal financial advice before acting on any material.

The views and opinions expressed in this podcast are those of the presenters and do not necessarily reflect the thought or position of Findex Community Fund. Please refer to our website for full disclaimer information https://www.findex.com.au/disclaimers/disclaimer-and-disclosure.

Episode transcript: https://bit.ly/3ARuz1x

In this episode, Nicole Pedersen-McKinnon returns to talk to Sophie about the essentials of budgeting:
- How do we track our expenses?
- What are some common expenses to consider?
- How do we start budgeting?

Nicole is a well-known financial literacy campaigner, having appeared on a number of programs including Sunrise, The Morning Show, Daily Edition, 7 News and The Project. She is an ambassador for ASIC’s money smart, and she also spends time educating high school students through her ‘S.M.A.R.T. Money Start’ program.

Young Money is the one stop reference for young Aussies seeking information on making money, spending money and planning for the future.

Visit findex.com.au/young-money to access the full library of resources.

The information contained is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before you make any decisions in relation to a financial product, you should obtain and read the relevant Product Disclosure Statement or information statement. You should seek personal financial advice before acting on any material.

The views and opinions expressed in this podcast are those of the presenters and do not necessarily reflect the thought or position of Findex Community Fund. Please refer to our website for full disclaimer information https://www.findex.com.au/disclaimers/disclaimer-and-disclosure.

Episode transcript: https://bit.ly/3wgN2kz

In this episode, Sophie is joined by Nicole Pedersen-McKinnon, who gives us some hints on how to save money and why it’s so important to save:
- Why is it important to save?
- Why is a savings goal so vital?
- How do we reach our goals?

Nicole is a well-known financial literacy campaigner, having appeared on a number of programs including Sunrise, The Morning Show, Daily Edition, 7 News and The Project. She is an ambassador for ASIC’s money smart, and she also spends time educating high school students through her ‘S.M.A.R.T. Money Start’ program.

Young Money is the one stop reference for young Aussies seeking information on making money, spending money and planning for the future.

Visit findex.com.au/young-money to access the full library of resources.

The information contained is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before you make any decisions in relation to a financial product, you should obtain and read the relevant Product Disclosure Statement or information statement. You should seek personal financial advice before acting on any material.

The views and opinions expressed in this podcast are those of the presenters and do not necessarily reflect the thought or position of Findex Community Fund. Please refer to our website for full disclaimer information https://www.findex.com.au/disclaimers/disclaimer-and-disclosure.

Episode transcript: https://bit.ly/3dLTycB

In this episode, Sophie is joined by Sally McPherson to discuss the fundamentals of Superannuation:

- What is Superannuation?
- Who are beneficiaries?
- Where can I check how much Super I have?

Sally has been working in the financial services industry for over 13 years. Based in Albury, Sally takes care of clients across regional and metro NSW assisting them to manage their own self-managed super funds.

Young Money is the one stop reference for young Aussies seeking information on making money, spending money and planning for the future.

Visit findex.com.au/young-money to access the full library of resources.

The information contained is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before you make any decisions in relation to a financial product, you should obtain and read the relevant Product Disclosure Statement or information statement. You should seek personal financial advice before acting on any material.

The views and opinions expressed in this podcast are those of the presenters and do not necessarily reflect the thought or position of Findex Community Fund. Please refer to our website for full disclaimer information https://www.findex.com.au/disclaimers/disclaimer-and-disclosure.

Episode transcript: https://bit.ly/3y0ueaI

In this episode, we are joined by Sophie Adderton from the Beacon Foundation to help prepare you for entering casual work:
- How will I get paid?
- What is a Tax File number declaration form?
- What are the things to remember on my first day?

Sophie Adderton is Delivery Manager at the Beacon Foundation. Sophie has a background in psychology and is passionate about helping young people to identify and achieve their goals.

The Beacon Foundation is an organisation supporting young people to successfully transition from education to employment. To learn more about their work and the program they offer visit beaconfoundation.org.au.

Young Money is the one stop reference for young Aussies seeking information on making money, spending money and planning for the future.

Visit findex.com.au/young-money to access the full library of resources.

The information contained is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before you make any decisions in relation to a financial product, you should obtain and read the relevant Product Disclosure Statement or information statement. You should seek personal financial advice before acting on any material.

The views and opinions expressed in this podcast are those of the presenters and do not necessarily reflect the thought or position of Findex Community Fund. Please refer to our website for full disclaimer information https://www.findex.com.au/disclaimers/disclaimer-and-disclosure.

Episode transcript: https://bit.ly/3qx334Q

In this episode, Sophie is joined by Pip Conn to discuss the fundamentals of tax:
- What is tax?
- Where do my taxes go?
- How does tax impact me?

Pip is a business adviser and practices in the accounting and tax advisory space with a speciality in agriculture, health and retail trade.

Young Money is the one stop reference for young Aussies seeking information on making money, spending money and planning for the future.

Visit findex.com.au/young-money to access the full library of resources.

The information contained is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before you make any decisions in relation to a financial product, you should obtain and read the relevant Product Disclosure Statement or information statement. You should seek personal financial advice before acting on any material.

Episode transcript: https://bit.ly/3qduXm0

In this episode, Alex Kerry covers the topic of ‘buy-now, pay later’ services:

- What is buy now, pay later?
- How does it work?
- What are the advantages and disadvantages?

Alex is a financial adviser, based in Albury-Wodonga. She has experience in a number of different areas of financial services and works with local groups to deliver educational financial seminars to young people in her local community.

Young Money is the one stop reference for young Aussies seeking information on making money, spending money and planning for the future.

Visit findex.com.au/young-money to access the full library of resources.

The information contained is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before you make any decisions in relation to a financial product, you should obtain and read the relevant Product Disclosure Statement or information statement. You should seek personal financial advice before acting on any material.

Episode transcript: https://bit.ly/35DJYUC

In this episode of Young Money, Sophie sits down with Aleks Nikolic from @BrokeGirlWealth to discuss all things financial literacy:
- What is it?
- Where does money come from?
- And how do we make money?

Aleks uses her platform to educate her followers on the ins-and-outs of investing, and how to take control of their money in a way that is relevant and accessible. Look for @BrokeGirlWealth on Instagram and Tik Tok.

Young Money is the one stop reference for young Aussies seeking information on making money, spending money and planning for the future.

Visit findex.com.au/young-money to access the full library of resources.

Brought to you by the Findex Community Fund.

The information contained is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before you make any decisions in relation to a financial product, you should obtain and read the relevant Product Disclosure Statement or information statement. You should seek personal financial advice before acting on any material.

Episode transcript: https://bit.ly/3qikeqr

Young Money explores essential skills around common money experiences and helps empower young people to take control of their finances.

Our host Sophie Gay and a variety of guests cover a range of financial topics impacting the day-to-day lives of Gen Z including: budgeting, buy-now pay-later, taxes and superannuation, and aims to lessen the financial knowledge gap for young people.

Listen and subscribe now on your favourite streaming platform.

Visit findex.com.au/young-money to access the full library of resources.

Brought to you by the Findex Community Fund.

The information contained is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before you make any decisions in relation to a financial product, you should obtain and read the relevant Product Disclosure Statement or information statement. You should seek personal financial advice before acting on any material.