Passive Income Project: Recent Episodes
Passive Income Project
Two young Aussies discuss the psychology, principles and practice of mastering your money to build a meaningful life.
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The 4 Invisible Forces That Decouple Time From Money
If you want to stop trading your time for money, and deliberately increase your earning power, you need to become a master of leverage.
The more you can earn, the easier it is to save. And the easier it is to save, the faster you can achieve your financial goals. But most people go about this all wrong. We're conditioned to believe that income is a function of intelligence. And many smart people stay broke because of this belief.
The truth is, income is only loosely correlated to intelligence.
Instead, income is about leverage.
The greater your leverage, the greater your income.
Leverage is the force multiplier that makes your time and talent more productive. But this can be a tricky concept to really grok, So in this episode, Terry breaks down the concept of leverage to first principles.
By walking through several powerful examples, he shows exactly what leverage is and how it works to decouple time from money. The four different forms of leverage, and exactly how you can become a master of leverage to predictably increase your income without getting lucky.
🎿 Discover your leverage type here
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Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
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If turning your purpose into a pay check is the ultimate cheat code, then what is the unlock? How is this actually done? In this episode Terry breaks down a 7 step science backed method for making it happen.
In this episode, you’ll discover:
- The “Superpower Audit”: How to identify your rarest, most valuable skills—and why this is the secret to becoming irreplaceable in any industry.
- The Mindset Shift That Multiplies Results: Adopt the “scientist mentality” to fearlessly experiment, learn faster, and turn setbacks into breakthroughs.
- The 7-Step Scientific Method for Income: A step-by-step process to test, validate, and monetize your ideas—so you never have to settle for work that just pays the bills.
- The Value Equation Decoded: Learn how to create irresistible offers by maximizing dream outcomes and minimizing effort for your clients.
- Real-World Case Studies: See how these principles helped the host climb the ladder in elite sport, pivot to management consulting, and build a thriving business from scratch.
- Market Research Shortcuts: Discover how to instantly assess demand, competition, and profitability—before you invest your time or money.
- The Power of Differentiation: Why your unique journey and perspective are your greatest assets—and how to leverage them for maximum impact.
- Actionable Attraction Offers: Simple ways to attract your first customers and build a body of work that speaks for itself.
Whether you’re looking to climb the corporate ladder, switch industries, or build your own, this episode gives you the tools, mindset, and real-world strategies to turn your ideas into income—on your terms.
Ready to earn your worth? Hit play and start your transformation today
Turn insights into action with Terry's episode coach
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
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What if the key to making great money wasn't grinding harder, but discovering what feels like play to you but looks like work to everyone else?
In this game-changing episode of the Earn Your Worth series, Terry dives deep into the most crucial question of your career: How do you find work that doesn't feel like work?
🎯 You'll discover:
• The "Einstein fish test" - why you might be climbing the wrong tree (and how to find your water)
• Two ingredients that transform any job from drudgery to flow state
• The counterintuitive wisdom from the man who made more billionaires than anyone else (hint: it's NOT about the money)
• A little-known computer science algorithm that helps you find your perfect career fit faster
• Why loving your work but not getting paid kills your soul - and what to do about it
• The real reason career conversations feel so scary (and how to push through)
💡 Featuring insights from:
- Charlie Munger on finding your circle of competence
- Paul Graham's framework for doing great work
- Clayton Christensen's research on why Harvard grads end up miserable
- The "Slumdog Millionaire" approach to building unstoppable expertise
Warning: This episode will make you think. Hard. Terry doesn't just give you feel-good platitudes - he gives you the mental models and frameworks to actually figure out where you belong.
Whether you're stuck in a job that's sucking your soul, or you like your work but don't love it, this episode will help you find your thing - the work that only you can do.
Ready to stop being a fish trying to climb trees?
Access the free companion guide with all the tools, diagnostics, and reflection questions and resources mentioned in this episode.
Turn insights into action with Terry's episode coach
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
Ask us a question or suggest a topic 🤙
Most people are trapped in one of two career prisons - and they don't even know it.
In this episode of the Earn Your Worth series, Terry Condon reveals the "Hotel California Problem" that keeps smart, capable people stuck in work that either pays well but drains their soul, or feeds their identity but leaves them financially insecure.
You'll discover:
- The two toxic career mentalities that trap 90% of professionals (and why smart people fall for them)
- Why chasing money OR passion without purpose always leads to career prison
- The simple mindset shift that lets you have meaning, mastery AND money
- Terry's 3-quest superhero framework: Know Yourself, Serve Others, Amplify Impact
The brutal truth: We spend months researching where to invest our money, but only minutes thinking about where we invest our time and talent to EARN that money.
If you're tired of feeling trapped by golden handcuffs or struggling in a "cool" job that doesn't pay the bills, this episode shows you the way out - and how to create a career that energizes you while accelerating your financial progress.
Complete the Earn Your Worth Survey here.
Turn insights into action with Terry's episode coach
FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?
Watch the first module of the money mentorship to find out.
Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes.
To save your spot, click here
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financ...
Ask us a question or suggest a topic 🤙
Why do some people earn more without working harder? In this kickoff to the Earn Your Worth series, Terry unpacks the hidden economic law that quietly controls your income — and why fighting it keeps you stuck.
You’ll hear real stories of everyday people who stopped paddling upstream — and started letting this law do the heavy lifting.
Inside:
- The surprising factor that decides how much you really get paid
- How one tiny shift tripled someone’s hourly rate overnight
- The unconventional move that makes you impossible to ignore
If you’ve ever felt like your income doesn’t match your effort, this is your sign to flip the script — and ride the wave instead.
🎧 Plus: Don’t miss the free Industry Report & AI Action Coach in the show notes 👇
Complete the Earn Your Worth Survey and access the industry report + resource guide for this series.
Turn insights into action with Terry's episode coach
FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?
Watch the first module of the money mentorship to find out.
Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes.
To save your spot, click here
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financ...
Ask us a question or suggest a topic 🤙
What if the problem isn’t how you’re managing your money—but how much you have to manage?
In this kickoff to the Earn Your Worth series, Terry Condon challenges the default focus on “financial defence” and flips the conversation toward something far more powerful: financial offence.
This episode lays the groundwork for the upcoming series 'Earn Your Worth'.
Expect to learn:
• Why earning more (not saving more) is the fastest path to freedom
• The overlooked money skill every generation needs
• How commercial acumen unlocks choices—not just cash
Take the Earn Your Worth Survey to personalise your path through this series and access the free resource guide.
Turn insights into action with Terry's episode coach
FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?
Watch the first module of the money mentorship to find out.
Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes.
To save your spot, click here
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financ...
Ask us a question or suggest a topic 🤙
What if financial goals aren’t just about numbers—but mindset, discipline, and the ability to back yourself?
In this raw, revealing crossover with Evelyn from Evelyn Finance, Terry Condon opens up about his journey from elite athlete and coach to founder of a financial education business. He shares how the same mental tools that drive world-class performance can unlock real financial freedom—if you know how to use them.
You’ll learn:
- The four money “fixes” that never work—and what to focus on instead
- Why financial stress has nothing to do with how much you earn
- How to define “rich,” “wealthy,” and “successful” in ways that actually stick
If you’ve ever set a financial goal and not followed through—this one’s for you.
Turn insights into action with Terry's episode coach
FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?
Watch the first module of the money mentorship to find out.
Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes.
To save your spot, click here
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financ...
Ask us a question or suggest a topic 🤙
She retired 10 years early—then realized she was chasing the wrong goal.
Rachel Taylor did what most of us only dream of: she walked away from work a decade ahead of schedule. But once she hit “freedom,” something felt off.
In this episode, we explore what happens after you reach your financial goals—and how to make sure you’re chasing the right ones.
In this episode:
• Why early retirement left Rachel feeling lost
• The hidden cost of going back to work
• What she finally chose to build—and why it lights her up
• A powerful reframe for anyone feeling stuck or aimless
Rachel’s story is for anyone questioning their path, their purpose, or what “wealth” really means.
Turn insights into action with Terry's episode coach
FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?
Watch the first module of the money mentorship to find out.
Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes.
To save your spot, click here
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financ...
Ask us a question or suggest a topic 🤙
This episode kicks off with a bang—Terry and Ryan dive into the firestorm that erupted after Terry's viral LinkedIn post on a heated debate between Daniel Priestley and Gary "Economics" Stevenson. The topic? A no-holds-barred conversation around wealth inequality, economic freedom, and whether taxing wealth is the way forward—or backward.
What started as a midnight YouTube rabbit hole turned into a 200K+ impression social firestorm. But more importantly, it opened the door for a rich conversation around:
- 🏦 Why taxing wealth vs. work strikes such a nerve.
- 🔥 The emotional and personal nature of economic debates—and how social media rewards outrage over nuance.
- 🧠 What both Priestley and Stevenson got right—and wrong—in their arguments.
- 🧭 Why it's critical for couples and families to form their own financial philosophies before being swayed by online drama.
This isn’t just about policy—it’s about how we think, talk, and feel about money, fairness, and freedom.
🔗 Links & Mentions:
- The original LinkedIn post that stirred the pot
- Diary of a CEO episode featuring Priestley vs. Stevenson
❤️ For Our Listeners:
Whether you're team "tax the billionaires" or "let the free market run," this episode will challenge your assumptions and offer new perspectives. Perfect for conscious couples building not just a budget—but a belief system.
👥 Join the conversation: What’s your take—tax wealth or expand freedom? leave a comment!
Turn insights into action with Terry's episode coach
FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?
Watch the first module of the money mentorship to find out.
Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes.
To save your spot, click here
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financ...
Ask us a question or suggest a topic 🤙
🔹 What if you won the money game—only to realize you were losing at life?
🔹 Why do so many high achievers chase a “broken scoreboard” of success?
🔹 How did a single conversation shatter Sahil Bloom’s definition of wealth?
💡 In this episode, we dive deep into the Faustian bargain of modern success.
Sahil Bloom knows this dilemma firsthand. A Stanford graduate who climbed the ladder of finance and venture capital, Sahil had the perfect life on paper. But then, a seemingly casual chat with a friend revealed a hard truth—he had been measuring wealth all wrong.
Now, with over a million followers and a transformative new book, The 5 Types of Wealth, Sahil shares his journey from chasing dollars to designing a life rich in purpose, relationships, and well-being. In this candid conversation, we unpack:
🔥 The mindset shift that rewired Sahil’s approach to wealth
🔥 Why financial success alone won’t bring happiness (and what will)
🔥 The powerful framework that will redefine how you measure a life well-lived
If you’ve ever felt like you’re living to work instead of working to live, this episode is your wake-up call. Tune in for an insightful, heartfelt, and life-changing discussion.
🎧 Listen now and start designing your own version of a truly wealthy life.
Resource Guide:
- Follow Sahil Bloom on Twitter: Stay updated with Sahil's latest insights and musings on Twitter.
Explore The 5 Types of Wealth Book: Discover Sahil's transformative guide to redefining wealth in his book, The 5 Types of Wealth.
Turn insights into action with Terry's episode coach
FREE Training | How to Unlock Exponential AchievementWhy do some people break through money blocks and live life on their own terms, while most stay stuck in struggle and stress?
Watch the first module of the money mentorship to find out.
Join the live weekly workshop with TerryDiscover the proven 3 part process we use in the Money Mentorship to help our members turn bold ambitions into fully-funded, real-life outcomes.
To save your spot, click here
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financ...
Ask us a question or suggest a topic 🤙
Steve and Santina spent 15 years grinding away in stable but unfulfilling careers, stuck in the messy middle of life—long commutes, stressing about debt, and little time for what really mattered.
Fast forward just one year, and they’ve completely flipped the script:
✅ Both landed dream jobs that align with their values and lifestyle
✅ Eliminated the need for a second job while making faster financial progress
✅ Cut their work stress dramatically while accelerating their financial freedom by a decade
How did they do it? In this episode, they break down the exact steps they took to shift their mindset, manage change, and build a life they love—without waiting for a mythical "FIRE" number.
Inside this episode:
💥 The critical first move they made that set everything in motion
🔄 How Steve, a change management expert, applied his own strategies to their finances
⚡ The framework that helped them navigate fear and uncertainty with confidence
💰 Why their financial progress exploded after they stopped obsessing over money
If you feel stuck in the grind and want real financial transformation, this episode is your blueprint. Listen now! 🎧
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Other links 👇
Money mentorship:
Click here to start putting what you've been learning into practice.
🔗 https://www.cashflowco.com.au/mentorship
Ask us a question or suggest a topic 🤙
Welcome back to the Money Minded podcast.
We’re at the end of our escape plan series, and we promised you’d hear some success stories.
So in this episode, you’re going to learn from Ryan and Mon just how powerful and valuable money skills really are.
They never really had money problems, but they also knew they weren’t managing it well either.
Ryan is a FIFO worker, and Mon handled the mental load that comes with money. They never really fought about it,
But it wasn’t something they were doing well together.
Mon would spend hours in bank statements and personal finance apps.
Ryan would make money and then want to buy new toys.
And it’s not like they couldn’t afford these toys. It was just the feeling of not making any real progress for how hard they were both working.
When they started learning the money mapping method they kicked some massive goals.
Mastering these money skills allowed them to:
- Pay off their consumer debt
- Build a comfortable cash cushion
- Pay down their mortgage faster
- Build a 6 figure investment portfolio
All while funding their wedding and honeymoon, and taking trips overseas and interstate for holidays.
But it wasn’t all smooth sailing. About 12 months into their life threw them a curveball, and it was at this moment they realised just how valuable the skills they had acquired are.
In this episode, they very generously take us inside this moment, and talk about how they worked together to manage one of the most difficult moments of their life.
If you want to know the true value of being confident and capable with your money, this episode is for you.
I hope you enjoy.
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Other links 👇
Money mentorship:
Click here to start putting what you've been learning into practice.
🔗 https://www.cashflowco.com.au/mentorship
Ask us a question or suggest a topic 🤙
In the last instalment of their escape plan series, Ryan and Terry break down the fifth and final skill of their money mapping method: asset stacking. Learning how to transition from making a living from your human capital (time and talent), to making a living from your financial capital (money) is the only way to buy back your time and live life on your own terms.
Expect to learn:
- The two faulty assumptions that prevent progress.
- The four money games, and how to play the odds
- How risk is different from volatility, and how to manage the five dimensions of risk in pursuit of returns
- The cheat code for maximising returns without having to know everything.
This is not an investing 101 episode that stuffs you full of facts. It's a playbook for building one of life's most valuable skills.
Resources Mentioned:
- Money Smart Compound Interest Calculator
- The Bitcoin Standard
- The Most Important thing
- A Random Walk down Wall Street
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Other links 👇
Money mentorship:
Click here to start putting what you've been learning into practice.
🔗 https://www.cashflowco.com.au/mentorship
Ask us a question or suggest a topic 🤙
Setting the Context
In the sixth installment of The Escape Plan Series, Terry and Ryan guide you through one of the most transformative skills in their money mapping method: Income Mapping. Building on previous episodes, this episode delivers a 'life changing' new way to gamify your spending, fast track financial progress and feel good about money.
What you'll learn:
- The three patterns of financial underperformance that hold most people back.
- The one habit that transforms saving and spending into an empowering practice.
- Why delayed gratification is not always 'good' and what works better.
- The secret to achieving financial confidence, even on a modest income.
By the end of this episode, you’ll have a clear, actionable system for giving every dollar a job, ⚖️ balancing your present and future financial needs without feeling like you’re constantly sacrificing.
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Other links 👇
Money mentorship:
Click here to start putting what you've been learning into practice.
🔗 https://www.cashflowco.com.au/mentorship
Ask us a question or suggest a topic 🤙
What if you could predict your financial future and spend guilt-free while still smashing your goals? In this episode, Ryan and Terry unveil the fourth skill in their Escape Plan series: cashflow forecasting—a game-changing tool that bridges the gap between where you are and where you want to be.
🔍 Here’s what you’ll discover:
- How one family transformed their dreams of traveling Australia into a reality, just by mastering this skill.
- The surprising truth about scarcity bias—and how it’s sabotaging your financial freedom.
- The two most common “money relationship” archetypes and how to break free from their traps.
- The step by step process for mastering this skill, and how to know if you're doing it effectively.
💡 Ready to navigate your financial future with confidence? Hit play now to unlock the mindset shift that will change the way you think about money forever.
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Other links 👇
Money mentorship:
Click here to start putting what you've been learning into practice.
🔗 https://www.cashflowco.com.au/mentorship
Ask us a question or suggest a topic 🤙
In this episode, Ryan and Terry dive into the second key money skill in the money mapping method: monitoring your economic vitals. Discover how to move from guesswork to clarity, build a financial operating system tailored to your goals, and stop stressing about money. With insights from John D. Rockefeller’s habits to modern tools that make managing money easier than ever, you'll learn how to turn data into decisions and enjoy spending guilt-free. Don't just manage money—master it.
🎙️ What you'll learn in this episode:
- The surprising habit of John D. Rockefeller that made him a financial powerhouse
- How to stop "walking in circles" with your money and start making real progress
- The one tool you need to simplify and supercharge your financial decisions
- Why most people get stuck on financial guesswork—and how to break free
- How to instantly see if you're on track for your goals (and what to adjust if you're not)
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Other links 👇
Money mentorship:
Click here to start putting what you've been learning into practice.
🔗 https://www.cashflowco.com.au/mentorship
Ask us a question or suggest a topic 🤙
What if your financial future wasn’t just something to hope for, but something you could design with clarity and purpose? In this episode of The Money Minded Podcast, Ryan and Terry dive into the transformative concept of Future Authoring—a groundbreaking approach to making your money meaningful.
What you'll learn:
- Why traditional goal-setting methods often fall short and what to do instead.
- How to connect your finances to a life well-lived, transforming “money tasks” into purposeful action.
- The key to developing an internal compass for financial decisions, so your financial decisions maximise your return on life.
- The secret to aligning with your partner and creating a shared vision for financial success.
Don’t just dream about financial freedom—start crafting it today. Tune in to discover the tools and mindset shifts that will help you transform your relationship with money and achieve what truly matters.
🔗 Links and Resources:The 5 Life Windows
https://www.notion.so/cashflowco/The-5-Life-Windows-410402ca5e7b4690889451dc2ad3badd
🎧 Ready to take the first step toward financial clarity? Listen now and find out your financial skill score 👇
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Other links 👇
Money mentorship:
Click here to start putting what you've been learning into practice.
🔗 https://www.cashflowco.com.au/mentorship
Ask us a question or suggest a topic 🤙
In the third episode of the series, Ryan and Terry reveal the path that led to the development of the 5 skills that make up the money mapping method. They also share new research that explains why it works.
In this episode:
- 📚 The One Number that Matters Most: The one input that dictates almost all results in personal finance. From the biggest best known study every done.
- 🛠️ Why Prescriptions Don’t Work: Learn why following “one-size-fits-all” advice doesn’t build the essential skills needed for long-term success.
- 🚧 The Skill Gap Holding You Back: Discover how a lack of financial skill not discipline or effort—is the real obstacle to achieving your full potential.
- 🧩 The Anatomy of the Money Mapping Method: how the 5 skills of money mapping work to help you scale your money mountain.
- 🎯 The Science of Motivation: The latest research into how controlled and autonomous motivation affect financial wellbeing and long term results.
Links to resources mentioned:
- Book: The Millionaire next door
- Book: Clearer Closer Better
- Research: Controlled vs Autonomous Motivation in Finance
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
Other links 👇
Money mentorship:
Click here to start putting what you've been learning into practice.
🔗 https://www.cashflowco.com.au/mentorship
Ask us a question or suggest a topic 🤙
In this episode, Ryan and Terry address the new name for the podcast, and preview their new series: escape plan 2.0. After more than five years and thousands of hours spent working 1:1 with people, they're revisiting season one and updating it. This series lays out their most important lessons and pulls back the curtain on their money mapping method.
🎧 What’s Inside:
- The journey behind the name changes and why "Money Minded" resonates deeply.
- Their most important insight, and how it informs their best success stories.
- A sneak peek into the upcoming series – a comprehensive guide crafted from 5+ years of lessons, 109 episodes, and coaching over 1,200 people globally.
- Inspiring insights into turning financial challenges into a fulfilling climb toward lasting success.
💡 Key Takeaway: Forget chasing "easy" solutions. Real transformation happens when you enjoy the process of managing your money, building skills, and making empowered decisions.
Join us for this thought-provoking introduction as we redefine the way you think about money and kickstart your journey toward financial harmony and freedom.
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
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Is money a friend or foe in your life? Join Terry and Ryan as they strip away the myths, fears, and confusion around money to help you build a healthier, more empowering relationship with it. They’ll take you back to basics, exploring what money really is (hint: it’s not the villain in your favourite movie) and why your beliefs about it might be holding you back.
Expect eye-opening insights, practical tips, and a deep dive into the language and psychology of money—because you can’t master what you don’t understand. If you’ve ever felt stuck, conflicted, or overwhelmed about finances, this episode is your money mindset reset.
What you’ll learn in this episode:
- The surprising cultural myths that make us fear and loathe money.
- Why money is completely neutral—and how to use that to your advantage.
- How your subconscious beliefs might be quietly sabotaging your finances.
- A step-by-step process to rethink and redefine your relationship with money.
- What happens when you stop projecting fear and start seeing money clearly.
Ready to redefine your money story? Tune in now. 🎧✨
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/
Join our podcast communityGet live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111
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Money mentorship:
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🔗 https://www.cashflowco.com.au/mentorship
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Cam was stuck. He’d thought building wealth through real estate would be his vehicle to financial freedom, but hit a serviceability ceiling.
He’d tried different careers, but nothing had really stuck. He was burned out and knew he had to reassess things.
So when he came across the concept of buying an established business, he looked a little harder than most.
And he found some genuine opportunities. But even though it’s a ‘buyers market’, it wasn’t easy. Finding the right business and securing finance came with some effort - but he made it happen.
And in this episode he takes you inside the process and explains how it all works.
Expect to learn:
- Why he prefers business over real estate as his vehicle
- Why buying business is a buyers market
- How he got the deal done by getting two variables right
- How he’s improving his asset from day one
Owning a business is the most likely way to build wealth, and buying one that’s already been built is the ultimate cheat code. In this ep, you’ll see why.
Find out your financial skill scoreDo you have the money skills to fund your goals?Take the 4 minute quiz here
Join our podcast communityGet 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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Money mentorship:
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So you've got a business idea, how do you know if it's good enough to take the leap? In this episode you'll learn a specific process for answering that question. Repeat founder Grant Butteriss shares one of the most valuable lessons he ever got in business (and the cost). Then, he shares a simple framework you can use to stress test your idea before taking the big bet. If you've ever wanted to do your own thing, but don't know where to start - this episode is for you.
Also in this ep:
01:30 Introducing Grant and His Background
03:08 Grant's Journey in Business
04:57 Challenges and Strategies in Business Growth
06:58 The Reform Story
19:19 Lessons from Business Failures
30:13 Validating Business Ideas
40:37 The Importance of Targeting Specific Groups
42:17 The Role of Connections in Problem Solving
45:12 Avoiding Common Mistakes in Customer Development
46:29 Balancing Passion and Pragmatism
50:38 Building a Business Model Hypothesis
55:57 Vitamin vs. Painkiller Solutions
01:07:13 Testing Customer Interest and Commitment
01:11:38 Overcoming the Fear of Failure
👉 Grants' Linkedin profile
👉 Grants' website
Discover the new money method our couples are using to find their fast modeClick here to secure your spot in our next live webinar.
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In this episode, Terry welcomes back Helen and Chase, who share their evolution since their last appearance in 2022. They discuss their struggles with initial investment property failure and how they've grown, both career-wise and financially, over the past few years. Helen and Chase dive into their ventures in real estate, Bitcoin, career shifts, and their new venture. The conversation highlights the importance of continuous learning and striving to create meaningful impact while juggling family and financial responsibilities.
00:00 Introduction and preview
07:10 Big Changes Since 2022
14:02 Exploring Cryptocurrency Investments
19:03 Career Transitions and Personal Growth
30:09 Navigating Career Decisions and Trade-offs
31:20 The Addictive Nature of Career Gains
32:19 Realizations About Work-Life Balance
33:52 Reflections on Career Choices and Regrets
34:54 Starting a New Chapter: Closer to Home
36:06 The Journey to Reignite Passion
36:42 Rediscovering Chace's first profession
38:16 Building a Business Together
40:44 The Importance of Culture and Team Dynamics
42:55 Creating a Rewarding Client Experience
50:50 Challenges and Strategies in Business
55:30 Advice for Aspiring Entrepreneurs
01:03:15 Future Goals and Community Engagement
01:05:14 Conclusion and Final Thoughts
Discover the new money method our couples are using to find their fast modeClick here to secure your spot in our next live webinar.
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Britt and Luke have always supported each other to go after their goals. But they'd gotten caught up living life on defence. Lurching from one spot fire to the next and never looking up to define their own direction.
In this episode, Britt candidly takes us behind the curtain to show us how they pushed forward and created their own momentum.
And how they forged a financial foundation they could build on to make Britt’s business dream a reality.
If you’re feeling stuck in a reactive stance, and sick of living life on the back foot, this episode is for you.
Discover the new money method our couples are using to find their fast modeClick here to secure your spot in our next live webinar.
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Bryce and Lisa got together after knowing each other for years. After moving in, they realised they didn't want to live like housemates anymore. But they weren't sure how they could combine their finances.
Lisa was conservative and generally liked to keep her money saved. Bryce has run into debt on several occasions, and admits he always saw his money as his own.
After seeking guidance, they learned how to work together with their money, and how to set up their money life to achieve their goals.
In this episode, they reflect on their journey and share the big lessons they've learned in the process. This episode highlights how being deliberate and intentional with finances can strengthen relationships and help couples achieve their shared ambitions.
00:00 Introduction to Bryce and Lisa's Financial Journey
00:39 The Importance of Combining Finances
04:10 Early Relationship and Financial Challenges
06:09 Traveling and Managing Finances
10:55 Joining the money mentorship and Initial Impressions
13:09 Setting Up Financial Structures
19:25 The Benefits of Joint Accounts
25:08 Mapping and Forecasting Finances
26:53 Planning for Future Expenses
27:18 Intentional Decision Making
28:56 Reflecting on Financial Achievements
30:36 Refinancing and Financial Strategies
41:17 Career Flexibility and Creative Outlets
45:16 Future Plans and Personal Goals
50:54 Advice for Couples on Financial Unity
54:19 Conclusion and Final Thoughts
Discover the new money method our couples are using to find their fast modeClick here to secure your spot in our next live webinar.
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Mastering Financial Goals: Terry Condon's Six-Step Sequence
In this episode, Terry shares his six-step sequence for funding any financial goal. This framework provides clear direction and an actionable plan for achieving financial objectives. Terry emphasizes the importance of setting clear targets, breaking goals into manageable milestones, celebrating progress, cutting out unproductive behaviors and relationships, strategically finding and raising money, and anticipating potential failures. He also shares personal examples and success stories, and directs listeners to a downloadable worksheet to apply the sequence to their own goals.
00:00 Introduction and Purpose
01:45 The Six-Step Sequence Overview
02:34 Step 1: Set Your Sights
03:16 Step 2: Make the Mountain Smaller
07:12 Step 3: Lose the Deadwood
10:01 Step 4: Plot Your Path
19:18 Step 5: Travel in Tribes
21:44 Step 6: Foreshadow Failure
24:55 Conclusion and Next Steps
Access the worksheet <<<<
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In this episode of the Wealth Time Freedom Show, hosts Terry and Ryan discuss the challenge of analysis paralysis in the personal finance space and how tools can serve as an antidote. They define what constitutes a tool, emphasising its role in converting information into actionable insights and results. They explore various examples, such as spreadsheets and digital apps, highlighting their power to simplify complex decisions and facilitate progress. The discussion also touches on the importance of feedback loops and skill acquisition in enhancing financial management.
00:21 The Curse of analysis paralysis
01:40 Defining and utilising Tools
03:55 The impact of technology: From iPhone to Apple watch
05:22 Navigating the world with tools
09:17 finding and Using effective Tools
11:35 Practical applications and feedback Loops
17:20 Wrapping up: overcoming analysis paralysis
Discover the new money method our couples are using to find their fast modeClick here to secure your spot in our next live webinar.
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👇
Discover the new money method our couples are using to find their fast modeClick here to secure your spot in our next live webinar.
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Money mentorship:
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Join Terry and our new co-host Brooke Dawson, who brings thrilling personal news, as they dive into the vital topic of financial literacy for kids. This episode is crucial for parents eager to set their children on the path to financial independence.
Also in this ep:
- The simple thought experiment that will change the way you help your kids.
- Why teaching kids about money is waste of time.
- How kids can develop a healthy relationship with money while building self esteem.
- How to turn money into a game kids love to play.
Loaded with actionable advice, this episode will transform your approach to financial education, preparing your kids for a prosperous and confident future.
Resources:
- Stockspot - Investing for kids
- Strong Money Australia - Podcast: Investment Bonds Examined
- Book: How Ella Grew and Electric Guitar
Explore more on our website and stay connected through our social media for continuous insights and updates!
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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If you're working harder and harder and the numbers are getting bigger but your life doesn’t feel like it's getting any better, this episode is for you. Join Terry as he reconnects with Mitch Parkins to uncover how he and his wife Brooke broke free of ‘the grind’ to get after their dream of travelling Aus.
Expect to learn:
- The powerful psychological shift that preempted the change
- The process, resources and tools they used to build the skills and confidence to fund their trip
- The sequence of steps they took to ensure their experience isn’t setting them back, but propelling them forward.
Resources and links mentioned:
- The 5 life windows visual
- Episode 87
- Episode 88
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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Financial decisions can be paralysing. In this SHOT ep Terry shares his most powerful tool for making money moves 10x simpler. This simple question will unlock clarity and conviction while ensuring you accumulate the most valuable asset you can own.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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Dive into a transformative conversation with renowned buyer's agent Cate Bakos on this week's episode. Whether you're navigating your first purchase or aiming to expand your property portfolio, Cate's insights are invaluable for every couple looking to strengthen their financial future together. Don't miss out on this essential listen for anyone serious about mastering the art of property investment!
- 🌟 Why Banks May Not Love Your Dream Property: Learn the risks and how to avoid them.
- 🔍 Real-Life Lessons on Financial Decisions: Hear about Cate's biggest property blunders and what they taught her.
- 🤝 Building a Supportive Partnership in Investments: Cate discusses the importance of alignment in couples' financial goals.
- 🚀 Evolving from Mistakes: Discover how setbacks can propel you to greater success.
By the end of this episode, you'll have a clearer understanding of how to navigate the property market with confidence and strategic insight, ensuring your investments not only grow but thrive.
Resources and Links
- Cate's website
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
In a very different ep, Mitch hosts Ryan and Terry on share what they’ve learned about personal transformation and change building their business and helping others achieve their goals.
You’ll hear the untold story of the business in detail they’ve never really talked about. And how you can use these insights to engineer powerful personal change in your own life.
Expect to learn:
- The missing third founder, and the moments that made the business a reality
- What starting out looked like, and how (and why) they persisted.
- The 6 step sequence that codifies all personal transformation and change
- The missing ingredient for achievement.
If you want to know how to tap into your primal programming to back yourself and make big things happen in your life, this episode is for you.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
This is one of our most dramatic transformations yet. In 18 months Avril Dunn has completely reimagined her life and career. Her future now looks nothing like her past.
In this conversation, she takes us through where she’s been, where she is, and where she’s going.
She also shares her experiences and lessons:
- Investing herself to build new skills
- Facing doubt and uncertainty
- Putting herself in a position to capitalise on opportunities.
- Backing herself to go after big ambitions.
- Building the discipline to succeed.
If you’ve got to this part of the year and it feels like the grind is getting the best if you and your best intentions are starting to slip away , Avril’s story is the red bull that gives you wings.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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In this episode, Terry sits down with two exemplars of teamwork: Brooke and John Dawson. Their story of transformation is an inspiration for those who back each other, but find themselves bickering when it comes to money.
12 months ago, they were working hard. But things weren't working. And taking on second jobs, and counting every cent didn't seem to matter. They'd been focused on buying a home for years, but their efforts didn't seem to be paying off.
They knew that if they couldn't figure it out, it would continue to create unnecessary stress and tension between them. In this conversation, they discuss how they went about transforming themselves, their money, and their lives.
They now have choices they never thought they’d have. And they’re reconsidering what is possible for their future together.
If you’ve had big ambitions for the year, but that motivation is starting to slide, this episode will get you back in the game.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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Does it make sense to pay money to make money? That is the question and in this episode, Mitch and Terry get to the heart of the matter. Because the truth is, there are times when it does, and there are times when it does NOT make sense. The rules and tools in this episode will help you make wise investments in yourself for the rest of your life.
Also in this ep:
- The hidden cost you're already paying
- How 'myopic loss aversion' muddies our thinking
- How to value financial education
- Terry's three steps for determining how much to invest
**Resources and Links Mentioned
Terry's article
👉** 'How Much Should You Pay for Financial Education?'
- Episode #87 Mitch and Brooke's story
- Episode #88 on decisions
- Episode #78 Rachael Taylor
- Episode #21 The WHO not HOW rule
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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Timing the market is impossible. Timing your life cycle is MUCH easier and extremely important when it comes to debt. In this episode, Ryan and Terry debrief the series and use three powerful tools to help you get the timing and serving size right.
Also In This Episode
- The debt quadrant for taking calculated risks
- The debt gauge for right-sizing exposure
- The 5 Life Windows for timing debt decisions.
Resources and Links MentionedBlog Post: Debt is a double-edged sword, here's how to wield it to build your wealth
The Ultimate Guide to Debt Recycling, how to pay of your home faster while building a passive income
UNLOCKED: Stepping into the 3rd Dimension. One of the most powerful modules in our mentorship.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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Time in the market buys alot of insight. In this episode, Bryce Holdaway delivers a masterclass packed full of 25 years of property investing wisdom. From his early forays and interest in property, this is a deep dive into the psychology and behaviour of property. This is a truly long term view of the asset class.
Expect to learn:
- The difference between horrible, tolerable and productive.
- The difference between investment grade property and everything else.
- How and why Australia's property market is unique and distinct from other countries.
- How demographic shifts and government policies are likely to impact property prices in the next 5-10 years.
- The role of Super in wealth creation
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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Big data is reshaping industries and economies, and Real estate is ripe for disruption. In this wide-ranging conversation with Goose McGrath founder and CEO of Dashdot, you'll discover how data-based decisions are being used to inform savvy property investments that help people escape the status quo.
This is good old property, but not at all as you know it.
Also in this episode:
- The 3 stages of financial freedom
- The key insight behind Dashdot's unique approach
- Why property is not at all like the stock market
- How to think about and approach risk in investing and life
- Scientific investing and how it differs from traditional investing
- S curve dynamics in Real Estate
- The three phases of a property portfolio
- The three constraints of a property portfolio
- Property predictions for 2024/25
Resources and Links
Dashdot - Property Growth PartnerDashdot Insider - PodcastThe Wild Goose Chase - PodcastGoose McGrath - Linkedin Profile
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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A mortgage can be one of your greatest allies for building wealth, or it can be a noose around your neck. It all depends on how you use it. To sidestep the biggest mistakes is to know what they are. And few are more experienced than Sarah Thomson. After more than 20 years as a broker and over 1 Billion in loans written she's seen it all.
Also in this episode:
- The hidden value a broker provides (that can be pivotal)
- How brokers get paid (and how they don't get paid)
- Red flags to look out for when choosing a broker
- The most costly mistakes to avoid when taking on a mortgage
Knowing how to partner with the banks to win the wealth game is critical. And in this episode, you get a peek inside Sarah's playbook.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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In the first episode of this series, Ryan and Terry explained why debt is so important for growing your money. In this episode, they explore the different ways debt can be used to build wealth.
Expect to learn:
- The different types of debt: consumer, hybrid, investment
- 2 common ways debt s used to build wealth
- 2 less common (but lucrative) ways debt can be used
- How to make yourself attractive to the banks
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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What everyone knows is usually wrong. And the narratives surrounding debt are a classic case. In this episode, you'll discover why and how debt IS the most powerful tool for putting your money to work. And why not having and using debt is one of the biggest risks you can take financially.
Also in this episode:
- How early relationships with authority figures shape our relationship with debt
- Why past experiences of others need to be analysed before being taken on
- How and why savers lose in a debt-based system
- The winning money move most experts miss.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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Debt is demonised, but what if it is THE most powerful tool you can wield to build your wealth. In this series you'll learn why 'debt is bad' is one of the most damaging messages in personal finance. Tune in to this ep so discover what we'll cover and why now it the best time to get across it.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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The Passive Income Project is no more! And in this episode, Ryan and Terry talk through the reasoning for retiring the name. And they explain why Wealth Time Freedom (WTF) was chosen as the new torch. Finally, they reveal the topic for their next series on the podcast. Tune in to find out!
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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If you want to know how to master the money game to win the wealth game (and how they're different) this is the ep you've been looking for.
Matt from the Aussie Firebug is back for another epic conversation. This time we discuss his revelations and a shift in direction and focus in his FIRE journey. We examine the good, the bad and the ugly of the FIRE movement.
Also in this episode:
- Travel as the ultimate investment
- The role of meaningful work vs retirement
- The unquantifiable value of investing outside of Super
- Why it's easier to use money made from dividends vs growth-oriented portfolios
This episode is packed full of transformational perspectives and powerful truths told in retrospect. It will encourage you to step back, reflect and reset.
Resources Mentioned
AFB Article: FIRE/Life update
Reddit Article: I lost the love of my life because of FI, don't be me
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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In this ep, Terry and Ryan explain why they're primarily saving in Bitcoin right now. Guided by the intersection of monetary policy, Bitcoin behavior, and seismic shifts in the financial landscape. They also share a few good reasons why you should think twice before buying any at all.
Expect to learn:
- When 'speculating' is worthwhile.
- The drivers pushing interest rates down, not up
- Why the big money wants into Bitcoin
- How Bitcoins 'halving cycle' could catalyse the next bull run.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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In this ep, Terry scrutinises the latest Rate rise, and the human folly behind it. Then Ryan and Terry detail all the ways we’re likely to trip ourselves up as we enter the most uncertain economic period in the last 30 years. Using the inversion principle, they explore the pitfalls, and preventable mistakes we tend to make when fear hijacks our thinking in times of economic instability.
Also in this episode:
- The two ways we tend to overreact to change
- Two data points that cause investors to self-sabotage amidst volatility
- The big career mistake that will cost you peace of mind and progress
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money mentorship:
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What if your deepest desires are the key to unlocking unparalleled wealth and fulfillment? We're not talking about the fleeting whims or material possessions, but those profound wants that drive you, shape you, and unleash your true potential. In this episode, we're turning the tables on conventional wisdom and igniting a discourse about the power of wants and desires in propelling personal growth, actualization, and wealth creation.
Challenging beliefs and expanding perspectives, we probe into how the pursuit of our wants can spark creative energy and lead to tangible results. We differentiate between wealth and money, urging you to carve out a life not merely rich in money but in experiences and achievements. We touch upon the concept of memetic desire and the need to separate wants that are internally driven from those influenced by external factors. It's about aligning your desires with your best self and not being swayed by societal norms or judgments.
Finally, we underscore the power of declaring your wants and breaking free from the fear that keeps you tethered. Through inspiring anecdotes, we highlight how ignoring the judgment of others can lead you to 'blowout success'. It's about finding your leverage, spending time on things that are meaningful, and embracing the journey of actualisation. By the end of this episode, you wouldn't just comprehend what living a wealthy life entails, but also be charged up to embark on your self-actualization odyssey. It's time to declare your wants, chase your desires, and unlock a life brimming with wealth in its truest sense.
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In this short episode, Terry shares a candid conversation he had with one of Australia's most revered champions - and how it shaped the way he thinks about pursuing big ambitious goals. If you're going all in on something, but you're doubting yourself this episode is for you.
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The debate surrounding the Voice to Parliament has reached fever pitch. And for many of us, constructive conversations are hard to come by. But is this really because we can't agree or don't want the best for everyone? Or are we being played by a political apparatus that doesn't want us to look deeper at the unspoken economic issue at the heart of it all.
We all get to make a life-changing decision on Saturday the 14th of October. And getting beyond the headlines is critical if we want to get it right. In this conversation, Ryan, Terry and Mitch do their best to have a thoughtful discussion about internal and external obstacles that are getting in the way of clear thinking and constructive conversation.
Resources Mentioned:
👉 Uluru Statement of the Heart
👉 Fact Sheet: Constitutional Amendments
👉 The Voice Handbook
👉 Terry's Article: We're all 'Racist', Let's Fix it
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We're evolving the way we produce this show. We've heard you for a while now. More of you want more content, more often. In this ep we outline how we're investing more into this podcast and changing our approach to give you more of what you want.
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In this episode, Mitch Parkins joins Terry to decode and dismantle the biggest money misnomer money: that conditions must change before progress can occur.
The most powerful gift you have to create the life you want isn't outside of you. It is within you. Your decisions shape your reality, but indecision only leads to a life of misery.
In this episode, Mitch and Terry share everything they've learned combatting the 'miserable maybe' in their own lives. Plus what they've seen and understood helping hundreds do the same. If you've ever found yourself paralysed by decisions that have the power to move the needle in your life, this episode is for you.
Also in this episode:
- Why we're so afraid of decisions (and who's the blame)
- How to face down your fear of making decisions
- Why every decision is a 'win' whether it works out or not.
- The 7 questions Mitch and Terry use to make important decisions that have the power to shape their future.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Are you ready to redefine your relationship with money and turn it into a powerful tool for building your dreams? Tune in as we sit down with Mitch and Brooke, an inspiring couple who’ve done just that. From traditionally divided roles to what they call a 'money project', they’ve transformed their financial lives and in the process, created a life they love. Their journey is an eye-opener about the importance of financial communication, sharing goals and understanding roles in a relationship.
We also dive into their mentorship experience that helped them kickstart this transformation. From making assumptions to opening up about their dreams and financial goals, their story is both relatable and aspirational. Mitch and Brooke's shared vision became the driving force behind their financial decisions, proving that when coupled with financial alignment, your dreams are not far from reality.
But it doesn’t stop there. The couple’s shift in money management roles and how they started working as a team will have you rethinking your own financial dynamics. Using money mapping and forecasting, they’ve created a life they never wanted to escape from. Can you imagine that? So come join us for a chat that could inspire you to start making sound financial decisions with your partner, and who knows? It just might empower you to transform your own life through financial alignment. Listen now! Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you.
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In the first two episodes of the love and money series, we explored the symptoms and revealed the causes of Dysfunctional Harmony. In this episode, you'll discover the cure.
Helen and Terry reveal the most important factor for flipping the script, and why the SCARF model reveals for roadmap for reimagining your financial future as a couple.
Also in this episode:
07:13 👉 How 'psychological safety' influences your ability to collaborate as a couple
07:55 👉 Breaking down the SCARF model to apply it to couples and money
11:53 👉 Why couples 'burn out' despite their best intentions
20:11 👉 The three different types of accounts you need (and how we configure them)
31:43 👉 The shockingly simple idea that ELIMINATES financial stress and conflict
Show notes
Click here to see notes on this show and all resources & links mentioned.
Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you.
💵 BOOST MY SAVINGSby entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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Money talk can be a minefield for couples. And for many it often becomes easier to avoid. But by understanding the true sources of tension and conflict, you can transcend it. In the second episode in the Love and Money series, Helen and Terry diver deep into the unconscious jobs we give money, and how these stories undermine our ability to cooperate with others effectively. If you've struggled with money talk in the past, this episode will explain why, and give you the tools you need to succeed.
Also in this episode:
- Why and how most couples tolerate 'norms' they hate
- Decoding our patterns of existence with The Four Financial Alter Egos
- Unravelling our money stories through three layers of meaning
Access Your Easter Eggs Here 👉 unlock and access the four financial alter egos module
👉 step-by-step conversation planner.
Show NotesClick here to see notes on this show and all resources & links mentioned.
Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you.
💵 BOOST MY SAVINGSby entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs.
Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.
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In the first episode of this series on Love and Money, Terry is Joined By Helen Wilkie. Helen was featured with her partner Chace in PIP #59 and has now coached couples coming through the mentorship. In this episode Helen and Terry preview the couples series and start by exploring a single question: is the way we're working with money holding us back?
To answer that question, you'll learn:
- How to spot the 5 Warning Signs of Dysfunctional Harmony
- Why unrealistic ideals lead us astray
- What being ‘on the same page actually looks like’
If you've ever wondered whether you could be working better together and what that could actually look like, this episode is for you.
Show notes:
Click here to see notes on this show and all resources & links mentioned.
💵 BOOST MY SAVINGSby entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs.
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Ryan and Terry debrief the Jonathan Bi interview and discuss how they're using mimetic theory to better understand life's most important decisions.
Also in this ep:
- How to weed your wants to get more meaning from your efforts
- A more nuanced pursuit of 'retirement'
- How to switch your mimetic nature on and off using a key character trait
👉 Level up with CompassGet started using the only habit formation system for personal finance.
Show notes:
Click here to see notes on this show and all resources & links mentioned.
💵 BOOST MY SAVINGSby entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs.
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Money mentorship:
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Our results and reality are created by our decisions. But our decisions are directed by our desires. So by better understanding and interrogating our desires, we can improve the quality of our lives.
In this episode, Terry chats with Jonathan Bi. Jonathan is one of the world's preeminent experts on Renee Girard’s theory of mimetic desire. This conversation brings a more practical, real-world understanding of this idea and how we can use it to more consciously pursue a rich and meaningful life through our life choices.
Also in this episode:
- A fundamental, first principles explanation of where our wants come from
- How to identify pursuits of ‘prestige’ that leave us unsatisfied
- How to use mimetic desire to amplify achievement
👉 Level up with CompassGet started using the only habit formation system for personal finance.
Show notes:
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In this episode, Ryan and Terry sit down to discuss and debate their takes on PiP#80 with Jeff Booth. And they explore how they are thinking about using this information to guide their investing and career decisions going forward.
Also in this episode:
- The debt debate, is it a wealth tool or a poison chalice?
- The new paradigm shifts technology is making possible
- How to create opportunities and wealth in the new economy we're heading into.
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Money mentorship:
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AI is changing the way the world works - in front of our eyes. And in his best-selling book 'The Price of Tomorrow', Jeff Booth predicted it. In this episode, Jeff calls it as he sees it and details who the winners and losers will be in an AI world. He also explains how he's playing it.
Expect to learn:
- Investment risks for those who concentrate their wealth and are not responsible with debt.
- The technology 'land grabs' that are opening up right now for the proactive.
- Why he believes Bitcoin is the safest financial footing to stand on.
- How our generation can build a new world that benefits all.
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Show notes:
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If you've ever wanted to know more about what's in the money mentorship and how it works, this episode answers every question you ever had.
Following up on their 'hacking money habits series' and Rachael Taylor's story, Ryan and Terry reveal the 'secret sauce' behind success stories like Rachael Taylors (ep #78). Specifically, you'll discover how the tools of behaviour science, game design and success pyschology can be used to pursue and achieve your goals.
Also in this episode:
- The design principles and philosophy that underpins the 'Money Mentorship'
- An overview of four 'evolutions' and the evidence based tools within each
- The difference between financial education and financial advice.
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Show notes:
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In this episode, Terry chats with program alumni Rachael Taylor. Rachael is the perfect example of what it looks like when someone who was working hard, finally puts it all together and learns how to use money to change their life. If you’ve ever wondered if you’ve waited too long to make money a project, you need to listen to this episode.
Show notes:Click here to see notes on this show and all resources & links mentioned.
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Money mentorship:
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Motivation comes and goes in waves. But how can you make waves so you can persist when pursuing your goals? In this episode, Terry sits down with NYU Motivation scientist Emily Balcetis to discuss her work on how perception can change our ability to persist in the pursuit of any goal.
Also in this episode:
- How the sense of vision is different from our other senses (and why that matters in the context of goal pursuit).
- How to get motivated when you're not yet confident or competent
- The different ‘frames’ we need to adopt at the start, middle, and end of any goal pursuit.
- A simple strategy for reclaiming your confidence when it feels like you’re getting nowhere.
Show notes:Click here to see notes on this show and all resources & links mentioned.
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Every financial decision is a vote for where you'll end up in the future. But most happen on the fly. So how do we make sure we're making great day-to-day financial decisions without becoming exhausted and overwhelmed in the process?
In this episode, Ryan and Terry explore the structural dimension of change. Structure dictates behavior, so by changing the structure you can tune your behaviour to align with your goals automatically.
Also in this episode:
- How to know whether your current banking structure is working for or against you
- The two 'jobs' a good banking structure must accomplish for its user
- 5 Steps to customise your banking structure by gearing it to your goals.
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Show notes:
Click here to see notes on this show and all resources & links mentioned.
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Money mentorship:
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Humans are social animals, and change is a social phenomenon. In this episode, Ryan and Terry explore the concept of 'mimetic desire' to understand the role it plays in the pursuit of what we want and how our wants change us.
Also in this episode:
- The origins of mimetic theory
- Where our wants come from (and how they can work against us)
- How to 'weed your wants' and escape the rat race
👉 Level up with CompassGet started using the only habit formation system for personal finance.
Show notes:
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Yu Kai Chou is one of the world's foremost experts on motivation and game design for real world outcomes. He has advised and consulted to organisations like Uber, Tesla, Oxford, Yale and Stanford universities among many others. In this conersation he shares his Octalysis framework for gaming motivation and gearing it toward your goals.
Also in this episode:
- The unorthodox source of Yu Kai’s expertise.
- Why making things more interesting and enjoyable works better than rewards.
- The 8 universal core drives that motivate us to act.
- How to mix Black hat and White hat drives to start and sustain our efforts.
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Show notes:
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Private podcast community:
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BJ Fogg is the Einstein of Behaviour change. He studies and teaches behaviour science at Stanford, and chances are, you interact with tools and tech built on his insights several times a day.
In this episode, Terry sits down to explore the origins of his Fogg behaviour model, and how it applies to realm of money.
Also in this episode:
- Why emotion (not discipline) is the key to wiring in new habits without willpower
- Two ways you can reduce your relaiance on motivation to make a desired behaviour happen.
- How to help others in their change efforts
- How to use the Fogg Behaviour model to make or break habits that will improve your financial results.
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Show notes:
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When it comes to catalysing personal transformation, John Demartini has very few peers. In this episode, here shares some of his most profound wisdom on how and why we change. He also shares his story of overcoming learning difficulties and financial illiteracy to becoming financially independent 'many times over'.
What you’ll learn:
- The role your personal values play in dictating your destiny.
- The simple discipline that led John to financial freedom in less than 10 years.
- The mindless decision that leads us to devalue ourselves virtually guarantees we’ll never reach our financial potential (and what to do about it).
- The investing reframe to transcend the fear, uncertainty and doubt that comes with volatility and uncertainty in markets.
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Show notes:
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Money mentorship:
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Getting smarter about money is not the same as being more skilled with money. And the research clearly shows that financial outcomes are mediated moreso by behaviour than intelligence. Yet the vast majority of people relentlessly seek information and neglect to take action.
In the first episode of their new series, Ryan and Terry discuss why this is, and share some of their biggest learnings from helping others take action and build skills and habits to improve their money lives.
Also in this episode
- The one thing most money experts get wrong about behaviour when prescribing personal finance solutions.
- A simple model that explains why we do or don’t take an action.
- The least understood component of the behavioural equation.
- The six sources of influence you can use to engineer powerful personal change.
👉 Level up with CompassGet started using the only habit formation system for personal finance.
Show notes:
Click here to see notes on this show and all resources & links mentioned.
Private podcast community:
Click here to get to know us better, debrief episodes and access our top 100 resources.
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Money mentorship:
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The ability to anticipate the impacts of saving and spending decisions on long term goals and progress is a personal finance superpower. And in this episode Ryan and Terry deep dive into the most important practice for cultivating this skill: forecasting.
Also in this episode:
- The two sources of stress that are eliminated when you learn to forecast
- The big decision many people make after getting as a result of the clarity they get after forecasting.
- What forecasting is and isn’t. And how it works.
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Show notes:
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A growth mindset might be the most valuable asset you can have. Katie and James's story proves just how powerful it can be in the realm of money.
They had big hopes and dreams before getting married, but also knew they lacked the financial skills to make the most of the opportunities they had. Their story shows that the rewards of making money a project can happen far sooner than most people think.
Also in this episode:
- The power of aligning your financial goals with your values
- How to enjoy your money while working toward longer term goals.
- The ethics of investing
- Advice for those starting out
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Show notes:Click here to see notes on this show and all resources & links mentioned.
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In the last show of their Bitcoin Bear market series, Ryan and Terry talk about their main lessons from every guest. They also explore the difference between what you'll hear if you don't look for answers and what you'll find out if you do.
Also in this episode
- The most exciting innovation in global finance that no one is talking about.
- The often overlooked parallel between what happened at FTX and the current banking system.
- New information that would cause them to change their minds on BTC as a savings mechanism for their future.
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Show notes: Click here to see notes on this show and all resources & links mentioned.
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Cory Klippsten has become famous for exposing many of the frauds and failures we've seen in crypto since last years all-time high. If the collapse of FTX didn't make it clear, 'crypto' is still very much the wild west. And Cory has shown himself to be one of the most effective guides for those who want to stake their claim.
In this episode, he details how his past experiences in business and tech led him to 'crypto'. And the moment he realised there was a big difference between BTC and 'crypto'. If you want to defend your wealth from the unscrupulous villains who would defraud you, listen to this episode and share it with people you care about.
Also in this episode:
- The link between online poker, ad tech and crypto scams.
- The catch cry opportunistic venture capitalists have been using to describe the conditions that make crypto ripe for misleading everyday people.
- The likely future of both BTC and Ethereum based on how they each work differently.
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Cory's Twitter accountSwan Bitcoin
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Jesse Myers is a former Stanford MBA, and top-flight consultant and Bain and Co. As one of the most impactful Bitcoin educators, he is a master at helping you use what you already know as a scaffold for understanding something new. If you’re still not quite seeing the opportunity we have right now, this episode will definitely fill some gaps.
Also in this episode:
- How fine art can explain the mania we see in Bitcoin every four years or so.
- How buying Bitcoin is like owning a slice of ‘the internet of value’.
- Why Buying Bitcoin is like ‘Staking Your Claim’ in the wild west.
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Jesse's Twitter AccountArticle: Why the Yuppie Elite Dismiss Bitcoin
Show Notes: Click here to access all links and resources mentioned in this episode.
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Nat Brunell is an Emmy award winning journalist, and host of the popular BTC podcast ‘Coin Stories’. In this episode she exposes the flawed operating model that makes the media work. And explains the big problem that perpetuates misinformation about BTC and the financial system in general.
Also in this episode:
- The painful childhood memory that forced her to confront the fact that the system is broken
- Why you don’t need to be technical to understand or appreciate Bitcoin.
- Why she sees BTC as a ‘way out’ for younger generations who would otherwise be forced to pay the tab for those who’ve gone before them.
- Nat’s favourite BTC skeptic, and why she believes he’ll eventually have to change his mind.
Coin Stories Podcast Nat's Twitter account 👉 Level up with CompassGet started using the only habit formation system for personal finance.
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In the first of the Bitcoin Bear Market series, Terry chats with one of the most compelling voices in Bitcoin: Robert Breedlove.
Roberts articles and podcast episodes boast more than 10 million downloads. And it’s not hard to see why. He is part philosopher, part educator, and part subject matter expert. In this conversation, you’ll see all sides as he explains how and why he came to devote his professional life to Bitcoin.
Also in this episode:
- Why there needs to be a real world cost to produce money. And the human suffering that occurs when there isn't.
- How manipulating the price of money affects our ability to plan, think and relate as humans.
- The surprising link between Bitcoin and the number zero.
Show notes
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Is Bitcoin dead? With markets crashing in slow motion and Bitcoin falling from its all time highs Ryan and Terry re examine Bitcoin’s value proposition. In this series preview they discuss why they’re digging deeper into it at a time where most people are ignoring or dismissing it. And they reveal the group of experts they’ve consulted in the space to get a deeper appreciation of what Bitcoin really is (and isn’t).
Also in this episode:
- Why right now might be the best time ever to learn more about BTC
- What the collapse of the FTX crypto exchange means for the market and BTC in the long term
- The five experts you'll learn from (and what they'll teach you) in this series.
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In this episode, Ryan and Terry break down PiP61 with Lyn Alden. Macroeconomics is complex and the language can be very opaque. So together they work through the most important concepts Lyn covered in her episode with Terry. Then, they discuss their biggest takehomes and some working principles for investing during periods of transition and stagflation.
Also in this episode:
- Understanding the difference between Monetary Policy and Fiscal Policy, and how they each impact the price of things.
- How centrally planned economies are like a 'shitty car' driving on a precarious road.
- The three big things to expect as the global economy changes it's shape and form over the next 5-10 years.
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Other Links
- Show notes: Click here to see notes on this show and all resources & links mentioned.
- Private podcast community:Click here to get to know us better, debrief episodes and access our top 100 resources.
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Investing used to be relatively simple. Buy equities or real estate (or both) and chill. But unless you've been living under a rock, you'll know the way the world works has changed. And that means that relying on old assumptions about the nature of investing is risky. We need an updated view of the landscape in order to know how to play it.
In this episode, Terry chats with Lyn Alden. Lyn is a global thought leader, sought-after speaker and consultant on macro investing strategy. Her extensive research has also led her to become one of the most trusted voices from the ‘traditional finance’ space on crypto currency.
She has advised governments, investment banks and institutional investors on all of the above, and the articles she publishes are devoured by tens of thousands of investors all of the world.
In this conversation, Terry tap into Lyns best thinking in an effort to answer one simple question. Does the environment we find ourselves in change the way we should think about investing? And if so, how?
Also in this episode:
- Exactly how and why the game has changed
- Who the winners and losers are likely to be
- What we can learn from the 1940s to guide our investment decisions in the 2020s.
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In this episode, Ryan and Terry discuss the most important mechanism for developing a sense of conviction and direction for your financial future: your financial plan. It's well known that behaviour accounts for the majority of investor returns, and a well constructed financial plan is one of the most important behavioural tools that exists. And, it is much simpler than we're often led to believe. If you want to know how to avoid the biggest mistakes most investors make, this episode is for you.
Also in this episode:
- What a financial plan actually is (and what it's not)
- The three 'jobs' a financial plan must accomplish
- The 6 core elements any financial plan should have
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Other Links
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- Private podcast community:Click here to get to know us better, debrief episodes and access our top 100 resources.
- Corporate program: Click here to find out more about our workplace program
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In this episode, Terry sits down with two of the earliest members of the program: Helen and Chace Rankin. They discuss their journey, from frustrated and confused couple who couldn’t work out why they weren’t achieving what they were capable of, to calm and connected team who’ve set themselves up and have earned life choices most would see as luxuries.
Also in this episode
- How they transcended circular arguments about money.
- The insight that allowed them to wasting time and effort on the small things and channel it toward getting big results.
- What it was like to get invested right before the COVID crash, and how the rode it out together as a team.
Most people don’t get started working on their money because they feel like it’s not the right time or the rewards are too far off in the future. Helen and Chace’s story proves that the sooner you commit to consistency, the sooner you’ll enjoy the fruits of your labour. If you want to be inspired by what’s possible, then have a listen to their story.
👉 Level up with CompassGet started using the only habit formation system for personal finance.
Other Links
- Show notes: Click here to see notes on this show and all resources & links mentioned.
- Private podcast community:Click here to get to know us better, debrief episodes and access our top 100 resources.
- Corporate program: Click here to find out more about our workplace program
- Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
In this bite-sized ep, Terry reveals the biggest lesson learned from the last few years of coaching people on their finances. It has to do with what separates those who persist long enough to get traction and results, and those who start strong but fall off the bandwagon.
You'll also get the inside scoop on the secret project the team have been working on to help you bridge this gap and have your efforts compound into results.
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Making money as an entrepreneur is different to earning it as an employee. In this episode, Terry chats with Charlie Vahler. Charlie is a high school dropout who completed an apprenticeship as a plumber before realising he wanted to be in business. And his journey has made him financially independent by age 33. In this chat, he decodes the process he took to pinpoint the most important factors in his success. If you're in business or want to be, this episode is as inspiring as it is instructional.
Also in this episode:
- The 2 most important skills Charlie learned as an apprentice that have made him successful in business.
- How to use 'The power of 5' the change your beliefs and improve your results
- Charlie's number one strategy for breaking through earning plateaus.
Show notes
Click here to see notes on this show and all resources & links mentioned.
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As the prices of things rise while economies contract, the ability to collaborate with others to carve out your piece of the pie will be one of the most valuable skills you have. Negotiating well will help you maintain your ability to save and invest as the prices of assets fluctuate. And this means there will be times you'll be able to buy more with less. That is why this economic season can represent a rare window of opportunity for the proactive.
In this episode, former FBI hostage negotiator Chris Voss takes Terry through his groundbreaking principles for preparing for any negotiation conversation. And specifically how to have conversations about increasing your pay with your employer.
Also in this episode:
- A simple analogy that will help you overcome your anxiety and resistance.
- Why seeking yes is less effective than eliciting 'no'
- The one question you can ask first to ensure any conversation about pay goes your way.
Show notes
Click here to see notes on this show and all resources & links mentioned.
Unlocked: Money mapping training
Click here to learn how to maximise your return on life by making more mindful decisions with your money, monthly :)
Corporate programClick here to find out more about our workplace program
Masterclass: The Four handbrakes that hold us back
Click here to discover why most people don't achieve their financial goals (and what to do about it).
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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Those who have the ability to attract more money while economies contract benefit disproportionately from the volatility. In this episode, Ryan and Terry explore the two main ways to increase your income without having to go back to school to get more qualifications.
Also in this episode:
- The important difference between earning money vs making money
- The important skills you need to be developing as an employee or business owner
- A simple, yet powerful powerful activity to guide your efforts
Show notes
Click here to see notes on this show and all resources & links mentioned.
Unlocked: Money mapping training
Click here to learn how to maximise your return on life by making more mindful decisions with your money, monthly :)
Corporate programClick here to find out more about our workplace program
Masterclass: The Four handbrakes that hold us back
Click here to discover why most people don't achieve their financial goals (and what to do about it).
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
If cash flow is king, increasing your income is the order, power and respect that is required for ruling effectively. In this short hit of training, you'll discover how to go from peasant to royalty by making one simple, yet powerful mindset shift.
Also in this episode:
- What we can learn from Jeff Bezos about boosting your earning power by adopting a 'servant mentality'
- The logical fallacy that breeds fear and caps your earning potential.
- How to break through your biggest blocker to increasing your earning power.
Show notes
Click here to see notes on this show and all resources & links mentioned.
Money mapping training
Click here to learn how to maximise your return on life by making more mindful decsions with your money, monthly :)
Corporate programClick here to find out more about our workplace program
Masterclass: The Four handbrakes that hold us back
Click here to discover why most people don't achieve their financial goals (and what to do about it).
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
Winter is coming, and humans don’t do well with change. In this episode, Ryan and Terry detail all the ways we’re likely to trip ourselves up as we enter stagflation for the first time in decades. Using the inversion principle, they explore the pitfalls, and preventable mistakes most of us tend to make when fear hijacks our thinking in times of economic instability.
Also in this episode:
- The two ways we tend to overreact to change
- Two data points that cause investors to self-sabotage amidst volatility
- The big career mistake that will
Show notes
Click here to see notes on this show and all resources & links mentioned.
Money mapping training
Click here to unlock the insiders training by joining the podcast community
Corporate programClick here to find out more about our workplace program
Masterclass: The Four handbrakes that hold us back
Click here to discover why most people don't achieve their financial goals (and what to do about it).
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
Stagflation is upon us! But what does that even mean? And what does it mean for you?
In this episode, Ryan and Terry explain why getting by is getting alot harder - and who’s to blame. This is the first episode in a short series meant to act as a ‘survival guide’ as things become more and more uncertain in markets and economies globally.
Also in this episode:
- Exactly how much less the average Aussie earns in real terms than 10 years ago.
- How current events and policy decisions have combined to create a ‘perfect storm’
- How and where to shift your focus to survive and prosper
Show notes
Click here to see notes on this show and all resources & links mentioned.
Corporate programClick here to find out more about our workplace program
Masterclass: The Four handbrakes that hold us back
Click here to unlock the insiders' training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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In this episode Terry chats with Jeff Booth, Author of the Global best seller 'The Price of Tomorrow'. Jeff is a technology entrepreneur, venture capitalist, and adviser. In a wide ranging conversation they explore the reason our monetary system evolved to create credit, and why we must evolve beyond it if we are to solve our biggest, most pressing problems.
Also in this episode:
- What maniupation of money has to do with misinformation in society
- Why we should be working 10 hours a week but we're not
- How climate change is linked to the debt based economy
Show notes
Click here to see notes on this show and all resources & links mentioned.
Corporate programClick here to find out more about our workplace program
Masterclass: The Four handbrakes that hold us back
Click here to unlock the insiders' training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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Off the back of the previous two episodes, Ryan and Terry summarise the insights covered so far on how conditions are changing for the average Aussie. Then they shift the focus to the concrete steps you can take right now to protect yourself from the change and uncertainty we’re all facing. If you’re wanting a roadmap for financial resilience for the next couple of years, stream this episode now.
Also in this episode
- The most important cost you can control as prics rise
- The other loyalty tax that you're paying (and how to eliminate it)
- 5 Steps to take right now to protect yourself from the uncertainty ahead
Show notes
Click here to see notes on this show and all resources & links mentioned.
Corporate programClick here to find out more about our workplace program
Masterclass: The Four handbrakes that hold us back
Click here to unlock the insiders' training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
In this episode, Terry chats with award winning mortgage broker and property adviser Chris Bates. Chris sheds some more light on what is happening (and what will likely happen) with interest rates. Plus how the banks are responding to the first rate rise in 11 years. Chris also shares his views on how the property market is responding, and do's and don't for prospective buyers.
If you're wondering what these big shifts might mean for you, this episode has some sound guidance on how to batten down the hatches to protect yourself from the winds of change. But also how to position yourself from what will likely stay the same.
Also in this episode
- The most powerful way you can offset and even eliminate the impact of rate rises on your finances
- The most important considerations for homebuyers in an uncertain property market
- Why the banks and their mouthpieces aren't to be trusted
Show notes
Click here to see notes on this show and all resources & links mentioned.
Masterclass: The Four handbrakes that hold us back
Click here to unlock the insiders' training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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In this episode, Ryan and Terry dissect the truth behind the barrage of headlines screaming ‘rates hikes are upon us’. There are three parties whose intentions aren’t necessarily to inform us, and in this episode, you’ll see how and why that’s the case.
Knowing what’s really going on behind the scenes is how you avoid overreacting in any direction and keep your cool amidst the uncertainty.
You'll discover:
- Why and how we're being misled by the media
- The government's dirty little secret (and how the Reserve Bank helps them keep it)
- Considerations for homeowners, home buyers, and renters
Show notes
Click here to see notes on this show and all resources & links mentioned.
Masterclass: The Four handbrakes that hold us back
Click here to unlock the insiders' training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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Most people aren't motivated by money, and there's a good reason for that. In this episode, Ryan and Terry explain why that is, and how to flip the script by doing exactly what most money experts advise against.
You'll discover:
- The most powerful force for achievement most money experts ignore
- How to calibrate your internal guidance system for automatic achievement
- The four-step process they use with members to develop the clarity and conviction you need to go after what you really want.
Show notes
Click here to see notes on this show and all resources & links mentioned.
Masterclass: The Four handbrakes that hold us back
Click here to unlock the insiders' training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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In this episode, we get back to basics. This is a conversation with Sam Wilson. Sam is a young professional and founder of Sober mates, a community and education platform focused on helping young Aussies explore their drinking habits. She's also a fantastic example of how when you focus on what you can control, the list of things within your control expands.
In this episode, we explore the journey that led her to make money a focus in her life, some of the big changes she’s made and how she approaches self-improvement more broadly.
You'll discover:
- How 'micro stress' around money impacts our lives (and what Sam does to eliminate it)
- The power of working with reality (even when you'd rather live in fantasy)
- Why getting clear on what you really want can open you up to having it sooner
Show notes
Click here to see notes on this show and all resources & links mentioned.
Masterclass: The Four handbrakes that hold us back
Click here to unlock the insiders' training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
In the final episode in their decoding crypto series, Ryan and Terry get practical. They discuss how their views and positions of ‘the market’ have shifted and evolved as a result of learning more about Bitcoin. Then they lay out a thesis for how they see things playing out in the future and the working principles they’re using to position themselves to ‘win both ways’. If you want to know how to be rewarded for the way the system already works as well as benefit from how things are likely to change, this is a must listen.
Also in this episode:
- How Ryan and Terry have changed their financial planning based on what they’ve learned (hint: it’s probably not what you think)
- Jeff Bezos number one insight for predicting the future, and how it relates to Bitcoin and the future of money.
- How to ‘right size’ your exposure to Bitcoin (if you decide to use it as a savings mechanism)
Show notes
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Masterclass: The Four handbrakes that hold us back
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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Bitcoin is the most volatile ‘asset’ ever. And FOMO is real. To avoid making preventable mistakes, you need to be very prudent before putting any money in it. In this episode, Ryan and Terry explore the major considerations that have informed their thinking before settling on how much money (if any) to put into Bitcoin.
Also in this episode:
- The major 'tailwinds' driving adoption and growth of the Bitcoin network
- The strongest 'headwinds' that are slowing or stalling growth and adoption
- The 3 most critical 'threats' that could cause Bitcoin to go to zero
Show notes
Click here to see notes on this show and all resources & links mentioned.
Masterclass: The Four handbrakes that hold us back
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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In part two of their Fiat vs Bitcoin comparison, Ryan and Terry use a clever Willy Wonka analogy to explain the mechanics of the Bitcoin network and monetary policy. Following the same structure and their previous episode, they explore how Bitcoin would propose to handle the three functions of a monetary system. And in the process, they uncover how Bitcoin could fix some of societies biggest problems.
Also in this episode:
- Three simple thought experiments that can help you envision how the world would be different using Bitcoin as it's monetary system
- The biggest cost that comes with Bitcoin (and why it might be worth every cent)
- How to reduce your risk by understanding the crucial difference between Bitcoin and 'crypto'.
Show notes
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Project zero
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Masterclass: The Four handbrakes that hold us back
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Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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In the first of a two-part discussion, Ryan and Terry set the stage for a like for like comparison between the centralised Fiat system and Bitcoins Blockchain alternative. in a wide-ranging discussion, they turn back time to answer two critical questions. First, how we got here, and second how it's working for us.
Also in this episode:
- The three functions of the fiat system (and the pros and cons of each)
- How and why government came to be involved with money
- Why 'The Fed' and its network of central banks aren't in charge - and who is
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Masterclass: The Four handbrakes that hold us back
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
Knowing why cryptocurrency was conceived is more valuable than knowing how the blockchain works. If you understand the insidious problem that Bitcoin as the first cryptocurrency was designed to solve, you’ll be much better positioned to ride the waves of change it is creating. The reason why is that you’ll have a much greater appreciation for the implications it has for the global financial sector.
In the second episode of their series on crypto, Ryan and Terry go back to first principles in order to get to the bottom of what money is, why crypto is here, and what it might mean for all of us.
Also in this episode:
- What money really is and how it works (or doesn't work)
- How 'stock to flow' explains whether or not money functions as a store of value (and what happens when it doesn't)
- Who's at fault for the problems created by Fiat currency and how Bitcoin seeks to solve the problem.
Show notes
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Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
Is Crypto fools gold or the future of money? That is the question Ryan and Terry pose in the first episode of their new series: decoding crypto. After a 6-month learning project, they bring together the best insights and share the important changes that forced them to ‘take another look’ in order to be able to answer that question once and for all.
Also in this episode:
- Why Ryan and Terry have been dismissive of crypto (and the thinking trap they both fell into)
- The renegade CEO who’s historic Bitcoin bet forced them to question all of their assumptions and get beyond the headlines.
- Why Warren Buffet's views on crypto need to be weighed with caution.
- The ultimate resource guide that documents all their learning.
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
In this episode, Ryan and Terry explain their system for teaching people to master their money. Drawing on their experiences applying the best insights from Scott Young's ultra learning principles, as well as core ideas from behavioural science and habit formation, they sketch out a tried and tested roadmap for accelerating and combatting overwhelm.
If you've been dancing around the edges of personal finance without making any meaningful progress -you'll want to check this episode out.
Also in this episode:
- The 3 weapons the financial system uses to disempower you
- The 3 critical steps to combatting overwhelm and approaching any learning project related to money.
- How to use 'the learning ladder' to plan your path avoid common pitfalls
- The often overlooked ritual for accelerating change and improving long term results
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
Learning is a skill, and those who reach their personal and professional potential use the same principles to master it. Scott Young used these principles to complete a computer science degree from MIT in less than 12 months. Then he gathered the best insights from other self-directed learners around the world and codified them in his best selling Book Ultra Learning.
In this episode, Scott sits down with Terry to share what he's learned about learning and the key principles for learning.
Also in this episode
- The surprising secret to overcoming your blocks to learning hard things
- The one thing most people get completely backward when learning something new
- How to use 'meta learning' to accelerate your progress
- The different types of feedback (and how to use them effectively)
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
Today's tech driven information age drives change at a pace that is dizzying. What you knew last year is obsolete this year. And that means the ability to pick up new things fast is superpower that makes you rare and valuable in todays global economy.
In this episode, Ryan and Terry kick off a new short series on learning how to learn. And the focus for this episode is how to overcome your blocks to learning. If you've ever struggled with doubt and indecision that stops you pursuing new learing projects, this episode is for you.
Also in this episode:
- Why learning how to learn increases your earning potential and resilience.
- How to accelerate your progress by identifying the one 'rate-limiting skill' to focus on
- The psychological technique for overcoming your blocks to learning
- How to avoid the biggest mistake when learning something new
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
In the final episode of their series on 'business as a vehicle for wealth' Ryan and Terry pull out their biggest take-homes from the interviews with each mentor. They also give some insight into their own journey into business and how they're applying the lessons learned in their own business.
If you've been listening to the series on business and wondering 'what now?' this episode is all about turning insight into action and building confidence to try out ways to turn your ideas into income.
Also in this episode:
- The idea that hit Ryan 'right between the eyes' and set him on the path to being in business
- How Ryan and Terry started the Cashflow co. in a way that allowed them to think long term without undue pressure.
- The two books that will make inaction and procrastination impossible
- The challenge you can use to build confidence and kick start your journey
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
In their next SHOT, Ryan and Terry delve into an idea from investing that can be used to normalise failure in order to speed up success when starting a business. Then, as a way to apply this idea they share a coveted decision making framework used by the worlds top military strategists, startup entrepreneurs, and athletes.
Also in this episode:
- The faulty thinking that slows us down and keeps us stuck when pursuing ideas.
- Why the pursuit of collecting information can thwart the process of gathering intelligence (and making progress).
- How to use the OODA loop to accelerate learning and achieve 'traction'.
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
One of the biggest reasons people don't bet on themselves and build a business is because of not knowing how to manage the finances of a business. There's a whole new set of rules, and complexities that come with running your own shop - and it's all on you. Kate Toon knows this all too well. And she also knows how to overcome it. Kate is one of Australia's most successful, well known online business owners. And in this episode, she comes on the show to share her journey from scared small business operator to savvy business owner.
Also in this episode:
- Why Kate went into business for herself at 5 months pregnant - and how it played out.
- How she managed to crawl out from under a 50k tax bill in 12 months (and why it happened)
- The big decision that led to a gigantic spike in income two and eventually pushed her beyond the million-dollar mark
- The simple question she used to reframe her resistance to learning about money in her business.
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
In this episode, Ryan and Terry talk about one of the most common ways we self sabotage ourselves when it comes to our finances. In what feels like a delicate dance between pain and pleasure, we tend to choose wrongly, and the cost is progress and ultimately success. If you feel like you have a clear goal and have been working hard without really getting anywhere, you need to give this episode a listen.
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
Business can be a vehicle for wealth. It can also become a burden on your time, a drain on your finances, and a risk to your relationships. In this episode, Terry brings on one of his mentors to explore this tension and how to deal with it. Lachlan Smith stepped off the career ladder to build a 60 person civil engineering company from scratch. He's tackled many of the toughest issues in business and built a machine that's made him both wealthy and wise. But it wasn't all smooth sailing, and Lachy shares much of his hard-won wisdom in this episode.
Also in this episode:
- How volatility signals trick us into playing it safe and squandering our potential.
- How to think through the risk you're taking when starting a business (and the insight that allowed him to bet big on himself without fearing failure).
- The big idea that has played a major role in the growth and success of his business. And how it can be applied by any business.
- How to increase the odds you'll succeed by knowing the type of business environment you're in and the type of business you're building.
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four handbrakes masterclass
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
Change is hard. Especially when it feels like you have to let go of something you've invested alot of time, money and emotional labour to build. In the first of their short SHOT style episodes (Short Hit Of Teaching), Ryan and Terry explore the concept of sunk costs and how they hold us back. Then, they share three powerful strategies for getting out of our own way and making the big moves that will get us more of what we want (and less of what we don't).
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four handbrakes masterclass
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
Starting out in business can be scary. There are so many unknowns, and even if you're excellent at what you do, business is a skill set that must be mastered in addition. As part of their short series on business, Ryan and Terry chat with Ray Corcoran. Ray is a business growth consultant with a colourful business story.
Having owned and operated more than one business, and making the leap from corporate to business and having to go back to start again - Ray knows what failure and fear feels like. He also knows how to deal with it. In this candid conversation, they explore the trials and triumphs of being in business, and why the reward is worth the risk.
Also in this episode:
- The turning point that started Ray's business journey
- What Ray wishes he knew before he started a business
- The two skills that are most critical to focus on when starting out
- How he dealt with the failure of his first business (and how it led to his next)
- How to deal with the fear and anxiety that comes with 'putting yourself out there'
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four handbrakes masterclass
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
If you really study wealth for long enough and go deep enough, you'll start to see a clear pattern. And this pattern relates to how the 'self made' types use their time and talent to earn money. It just so happens to be the quickest and most rewarding route also. In this episode we reveal the fast lane to financial independence that most personal finance gurus refuse to talk about. If you want to achieve financial independence without having to wait until you're too old to enjoy your money, this episode is for you.
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
Facing your financial fears as a couple can feel daunting and even dangerous. In this episode, Terry chats with Sarah and David Thwaites. Their story is a powerful example of how couples can move through the challenge that comes with change. In the space of a little over a year, they've gone from suffering separately in silence to meeting weekly to manage their money and making big decisions together as a team. And in this conversation, they reveal the true value and rewards of tackling the money monster together as a team.
Also in this episode:
- The driving force that was their catalyst for taking action and wading into the waters of money together.
- Their most important ingredient for aligning their efforts
- The simple weekly ritual they never miss and how it's helped them increase their awareness and improve their results.
- The most important thing they've learned from working on their money together.
- Advice for those who have tried and failed at this before.
- Advice for those who've tried and failed at managing their money together in the past
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
In this episode, Terry's wife Elise comes on the show. Together they discuss their journey coming together as a couple and learning to manage their money together as a team.
Also in this episode:
- Their biggest lessons around money and relationships.
- The big mistake couples make with managing money and how to avoid it.
- How a book about equality improved the way they think about managing their money together.
- The one thing you can do to make money conflicts more constructive.
- Why 'norms' are so important, and how the practice of money mapping helped them establish more useful norms for communicating and collaborating around money.
Show notes
Click here to see notes on this show and all resources & links mentioned.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
We all have different ideas about money. And that can make it tough to talk about, especially with your partner. In this episode, Ryan and Terry tackle 'the money talk' and how to avoid the big pitfalls that only fuel the vicious cycle of tension and conflict that can occur.
Also in this episode:
- The four stages of team development (and which stage couples often get stuck at when it comes to money).
- Why our partners might resist the money chat, and where that resistance comes from
- The simple, three-part model that can help you guide a money conversation to keep it constructive (even if this has never happened before).
Show notes
Click here for the show notes, links to all resources mentioned and a full transcript.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
In this episode, Ryan and Terry discuss a clever way to use equity in your home to build an ever growing stream of passive income. Financially savvy Aussies are using this little known strategy to pay off their home loan faster, save tens of thousands in tax, and accelerate their path to financial freedom. If you've been concerned that paying down debt is limiting your ability to grow your wealth, this episode is for you.
Also in this episode:
- How debt recycling is like fitness training
- Who should and shouldn't pursue this strategy.
- The essential ingredients that must be true for this approach to work.
- The 6 steps for executing this strategy with precision
- A fully worked example with actual numbers and assumptions
- The key considerations relevant that play a role in how effective this can be.
Show notes
Click here for the show notes, links to all resources mentioned and a full transcript.
Project zero
Click here to find out more about project zero
Four factors training
Click here to unlock the insiders training.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.
Debt is a pretty polarising concept. Some people love it, and it lures them into a lifestyle they can't afford. Others use it to accelerate their wealth. Others still avoid all forms of debt like the plague. In this episode, Ryan and Terry explore the various properties of debt and how the concept of debt interacts with our psychology and our circumstances.
Also in this episode:
- The two different types of debt
- The simple rule of thumb to know whether debt will be painful or useful
- Why and how debt can be a magnifier in the short term, but an accelerator in the long term.
- The debt quadrant: a simple tool for making informed decisions about debt.
- The four principles of proper lending: how to avoid financial suicide.
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In this episode, Terry chats with award winning mortgage broker and property advisor Chris Bates. Chris dispels the myths around mortgages and shares some of his best insights for navigating property purchase decisions and securing loans for property.
If you're in the market for a new property soon, or maybe you're even looking to refinance and you want to make sure that you're making smart money moves with debt and property, this episode is going to give you a really firm foundation for clear thinking.
Also in this episode:
- Why first home buyers games mainly benefit the government, not you the buyer, and exactly how much (warning: this might shock you)
- The most common mental mistake Chris see's people make when making decision about how much debt to get.
- How to think about the fixed versus variable interest decision and who wins (you or the bank) long-term according to the stats.
- The exact process and path that Chris took to purchase his own property and the tools and tricks that he recommends for prospective buyers.
- How shifting trends in property purchasing post COVID might impact for those looking to buy a property that appreciates in value over time.
Show notes:https://cashflowco.com.au/pip23/
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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https://cashflowco.com.au/fourfactors/
It's true that the best investment you'll ever make is the investment you make in yourself, but that doesn't mean it's easy.
No one ever really explains how we should think about making these investments in our future. And at the same time, the internet has unlocked a universe of possibilities, but more choice often makes choosing harder.
In this episode, Ryan and Terry discuss how they think about using money to make time and talent more productive. If you've ever been paralysed by inaction or wasted money on courses and programs in the past, this episode is for you.
Also in this episode:
- The counterintuitive strategy that fast tracks personal and professional progress.
- How the worlds highest paid people think about allocating their time to make their highest contribution.
- The simplest way to uncover your signature strengths.
- 7 simple questions to assess any development opportunity.
Show notes and resourceshttps://cashflowco.com.au/pip22/
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources. Four factors traininghttps://cashflowco.com.au/fourfactors/
In this episode, Ryan and Terry discuss the most powerful insight they've learned for realising potential and achieving big ambitious goals. If you've set big goals for the year and what the cheat code for success, this episode is for you.
Also in this episode:
- The biggest mistake we tend to make when going after our goals - and why the smartest people are the most prone to making this mistake
- The simple if-then rule that completely changes what's possible by unlocking latent potential and freeing up our time.
- An easy way to make decisions about how to use money to leverage this insight and achieve your goals without burning out.
Show notes and links:
https://cashflowco.com.au/clone-of-family-finance-how-to-get-ahead-on-a-middle-income-with-kids/?preview=true
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Four Factor Insiders Training:
https://cashflowco.com.au/fourfactors/
In this episode, Terry chats with Leigh aka Family Finance of Youtube. Together they discuss the ins and outs of supercharging savings for a family earning a middle income with multiple children and a mortgage. If you've been looking for some inspiration or even a bit of a kick up the butt, this episode is for you.
Also in this episode:
- The big life moment that made Leigh suddenly start taking saving and investing more seriously.
- How money is managed in the Family Finance home.
- Leigh's distinction between saving and delayed spending
- Her secret for keeping living expenses below 5.5k per month
- How her idea of investing has changed
- Her top 3 resources for those getting startedep
Show notes and links:
https://cashflowco.com.au/familyfinance/
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
Four Factor video training:https://cashflowco.com.au/fourfactors/
In the second episode of their two-part series on sustainable saving, Ryan and Terry pull back the curtain on their unique method for money management. The guys explain what money mapping is, and the important ways it differs from most popular prescriptions. Then they dive into a detailed explanation of the seven principles it is built on. If you've been looking for an evidence-based approach that works with the way you're wired instead of against it, this episode is for you.
Also in this episode:
- How to use the brains inbuilt instinct to automatically improve your personal finance decisions.
- How to make money management addictive and enjoyable so that it becomes sustainable.
- The surprising cause of impulse purchases and overspending.
- How to spend money without feeling guilty.
- The number one way to obliterate financial stress and anxiety (or how money is like sand when we use it the wrong way).
- What emotionally charged political stoushes on Facebook have to do with percentage-based saving prescriptions.
- How to get as motivated as 'Tony Robbins on crack cocaine' to master your money life.
- Why focusing on what you saved is dumb (and what to do instead).
Show notes Find the ultimate guide here 👉 https://cashflowco.com.au/pip19/
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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In the first of two episodes, Ryan and Terry explain their 6 week hiatus, and lift the lid on exactly how their approach to money management differs from popular personal finance prescriptions.
Also, in this episode.
- The faulty assumption most savings solutions are based upon (and how it leads us astray)
- The big problem with popular personal finance prescriptions
- The single question at the source of all money worries
- The only way to break up with money worries for good.
Show noteshttps://cashflowco.com.au/save-money-sustainably/
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
The ultimate guide: how to save sustainably and break up with money worries for good
https://cashflowco.com.au/save-money-sustainably/
FREE training: Four Factor cashflow analysis
https://cashflowco.com.au/fourfactors/
Spending less doesn't have to mean deprivation. In this episode, Ryan and Terry chat with Gab Pappalardo. Gab has been a part of the program since day one and in this episode she talks about her transformation from 'material girl' to elite money manager and informed investor.
Also in this episode:
- The moment Gab thought 'maybe this isn't for me' (and what caused her big backflip).
- How to find the balance between saving and investing for later and living in the now.
- How to spend $1500 in a night and feel zero guilt.
- How to use a 'project mentality' to work on different areas of your life.
- The left field (non money) book recommendation that had the biggest impact on her journey.
Show notes:https://cashflowco.com.au/episode17/
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
#15: Financial independence requires a level of confidence. But sometimes we can get stuck in indecision not wanting to make a mistake. In this episode Ryan and Terry discuss why we need frameworks for financial decisions and Terry walks through a live example from Ryan's life. These fourteen questions will help you sidestep indecision and avoid the predictable mistakes we make when making big money moves.
Also in this episode:
- How decision making is correlated to goal achievement.
- The surprising reason why pros avoid using 'intuition' for high stakes decisions.
- How to use an idea from the scientific method to avoid misjudging your decisions and needlessly changing your approach.
- How to uncover the arena's in which you can manage and mitigate risk before you pull the trigger.
- How to 'play the odds' using expected utility to improve your decision making.
- How to 'read the play' and see two and three moves ahead to anticipate outcomes before you decide.
- The simple question that creates conviction and empowers you to execute a decision in the face of irreducible uncertainty.
- Why setting a review date protects you from yourself and others.
Show notes:https://cashflowco.com.au/episode16/
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
In this episode, Ryan and Terry walk through a simple, three-step approach to picking financial products in the publicly traded markets to build passive income and wealth over time.
Also in this episode.
- When you should forget about investing and what to focus on instead.
- Why owning your investing decisions (not outsourcing them) improves your odds of long term success.
- How mall shopping can help you understand financial product picking.
- The three core decisions you'll need to make (and how to think about each).
- The resources, tools that can save you time and improve your decisions.
Show notes:https://cashflowco.com.au/episode15/
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
In this episode, Ryan and Terry delve into the history of humanity to answer some commonly held questions about the stock market. What is it really? How does it work? and is it really a risky place to put your money?
Also in this episode:
- What the stock market has in common with 'gluten'
- Why human endeavour is the stock market and the stock market is human endeavor.
- The birth of passive income and income investing.
- A simple intuitive definition that explains the form and function of the stock market.
- The two types of people that use the stock market and the two different things each uses it for.
- The difference between 'stock picking' and investing.
Show noteshttps://cashflowco.com.au/episode14/
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
In this episode, Ryan and Terry discuss different strategies for spending your time, talent and money to capitalise on the opportunities that present as a result of COVID-19.
Also in this episode.
- Why 'self-care' meme's are dangerous
- The simple litmus test that can explain your financial progress
- The most important investment you can make right now (and why it's not money)
- How to zero in on the most lucrative opportunities that are hiding in plain sight
- What to do before throwing your money in the market while shares are cheap
Show notes:https://cashflowco.com.au/episode12/
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
In this episode, Terry chats with the Aussie Firebug: a cult figure in the Australian FIRE community. Matt recounts his journey and lessons in chasing financial independence and what it's like to be within arms reach at just thirty.
Also in this episode:
- Matt's biggest influences and the book he recommends to understand the stock market.
- What retirement means to Matt and what he'll do with his time when he gets there
- The most important thing most people miss when it comes to financial independence
- The hidden cost of focusing on the wrong things for financial independence
- What was behind Matt's shift from property to shares as a vehicle for financial independence.
- The two biggest decisions Matt was able to make because of his financial position (that otherwise would not have been possible)
- What it feels like to know that money worries won't impact his life or relationships.
Show noteshttps://cashflowco.com.au/episode13/
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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:
- How income is linked to impact, and what your pay has to do with problem-solving.
- A simple 2 part equation that explains why most people never earn what they could or should (and what to do about it)
- The formula that shows you how to find and exploit the most profitable opportunities for earning more income.
- 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 communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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.
Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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.
Join our private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.
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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.
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In this episode, Ryan and Terry introduce themselves and discuss what PIP is all about, why this podcast is probably not what you'd expect from a money podcast, and what you can expect to learn from listening. Terry also tells his story (hint: if you've ever felt like you're not a money person, you need to hear this) and explains the role of the Cashflow Co.
Private podcast communityClick here to get access to our top 100 resources, and connect with us and others on the journey.