More Than Money: Recent Episodes
Ross Marais
More Than Money, hosted by a financial coach Ross Marais. On this podcast, we will be having real conversations about Lifestyle, Money and Business.
Your Money Questions Answered
Questions: 00:00: Introduction00:40: How can I start investing in the Australian stock market with a small amount of money?01:55: What percentage of my income should I be saving each month to reach my financial goals?03:30: What are the factors that affect my credit score in Australia and how can I improve it?06:30: What are the tax benefits of contributing to a superannuation fund?08:15: How can I negotiate a higher salary or benefits package in my industry in Australia?11:30: What are the best strategies for paying off my HECS DEBT or other debt quickly and efficiently14:45: How can I build an emergency fund that can cover up to six months of my living expenses in Australia?17:00: What are the benefits and drawbacks of buying a property versus renting in Australia?20:15: What are some effective ways to budget and manage my expenses?22:20: What are some ways to reduce my tax bill and maximise my deductions in Australia?24:25: How can I save money on my regular expenses such as groceries, utilities, and entertainment in Australia?28:00 What are the best ways to save for a down payment on a property in Australia?
Ask a question | www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Hello and welcome to More Than Money! In today's episode, we'll be discussing the importance of preparing for a job change. We'll be sharing valuable strategies that will help you land your next dream job.We'll start by talking about the essential steps that you need to take when preparing for a job change, including updating your resume, networking, and identifying potential job opportunities. We'll share with you some useful tips for finding job openings, such as job search engines, online job boards, and professional networks.Next, we'll delve into the different stages of the hiring process, including submitting applications, interviewing, and negotiating job offers. We'll give you some valuable advice on how to ace job interviews, such as researching the company, preparing for common interview questions, and dressing appropriately.Moving on, we'll cover strategies for making a smooth transition to a new job, including notifying your current employer, setting expectations with your new employer, and managing your finances during the transition. We'll also emphasise the importance of negotiating salary and benefits, understanding the value of your skills and experience, and effectively communicating your worth.In addition, we'll provide valuable advice for financial planning during a job change. We'll talk about how to plan for gaps in income between stopping and starting a new job by building an emergency fund or taking on freelance work in the interim. We'll also highlight the importance of researching the average salary for your position and negotiating for a fair wage, as well as understanding the benefits package and retirement plan offered by your new employer.Thank you for tuning in to this episode of More Than Money. We hope you find the information and strategies we share today helpful as you prepare for your next career move.
Ask a question | www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode we discuss everything about working with a buyers agent with our guest, Oliver Dunstan, director and senior buyer's agent at Rose & Jones Queensland. Oliver shares his background and experience in the field. He takes us on his personal journey into the industry moving from a research analyst to buyer’s associate then buyer’s agent in Sydney, NSW before moving to Gold Coast, QLD, and highlights the differences between the Sydney and SEQ market.
We delve into Oliver's role in helping clients purchase properties, how he works, and the benefits of working with a buyer's agent. Oliver also shares some time-saving tactics when it comes to finding a property and the advantages of having access to off-market purchases. We also discuss his experience during the Covid-19 pandemic and the expansion of his business from a buyer's agency to property management.
Oliver imparts valuable tips and advice for those who want to get into the property market, including first homebuyers and investment property owners. We also discuss common mistakes people make when searching for and buying a home, as well as sharing his property management tips.
This episode is perfect for anyone who is looking to purchase a property or considering working with a buyer's agent.
About Oliver
As Director and Senior Buyer’s Agent at Rose & Jones Queensland, Oliver oversees business operations whilst assisting clients with a unique, personalised property acquisition service. With years’ of experience across the Gold Coast, Byron Bay and prime property markets of Sydney, Oliver has intimate knowledge and understanding of all Real Estate transactions. Moving from a Research Analyst to Buyer’s Associate then Buyer’s Agent, he brings a careful, informed approach to the property buying process. Boasting a proven track record in sourcing, analysing and negotiating real estate transactions, he has since secured over $100 million worth of property for his clients – across both the residential and commercial sectors. Oliver combines an intimate local knowledge with an advanced skill set that has been refined in the most competitive and dynamic markets in Australia.
Oliver Dunstan
- Instagram | @oliver.buyersagent
- Tiktok | @oliver.buyersagent
Rose and Jones QLD
- Instagram | @roseandjonesqld
- Website | queensland.roseandjones.com.au
Ask a question | www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, we explore the importance of financial education in Australia. We discuss the current state of financial education in Australia and the potential consequences of financial illiteracy. We also delve into the benefits of financial education, including improved money management skills and better decision-making in relation to personal finances. Potential solutions to the lack of financial education in Australia and how these solutions could be implemented. Whether you're a student, a young professional, or simply interested in personal finance, this episode provides valuable information and resources for improving your financial literacy.
Ask a question | www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Welcome to the More Than Money podcast where we like to chat with people who are doing something a little bit different and not following the traditional 9-5 life. We cover all kinds of topics related to lifestyle, money, and business.
Today, we're excited to have a special guest who has an inspiring story to share. We're talking to Nova Jane, a successful business owner who's been through a lot of major life events and has learned valuable lessons along the way.
Nova has a "why not" way of thinking which is awesome, and I always walk away from our conversations feeling inspired and challenged to see things in a different way. Today, we'll be chatting with her about her journey as a business owner and all the things she's learned over the past few years.
We cover Nova’s background and learn about her business statistics. We discuss a bit about her experience as a business owner, how long she's been in business, and how many businesses she's started, stopped, or failed. We also chatted about her previous jobs before going into business.
We discussed why she started her business and what it was like to start a business. We also talk about the struggles of being a business owner, like dealing with the comparison game of bigger is always better and not being able to switch off. Nova, also shares tips for anyone who's starting a business or an e-commerce business.
We also talk about money and Nova’s relationship with money and how her beliefs and behaviours about money have changed as she has grown.
If you're interested in learning from someone who's experienced it all as a business owner and wants to share her insights with you, then tune in to this podcast. Don't forget to leave your comments and share your thoughts on what you've learned from our guest.
Nova Jane
- Instagram - @novajanefit_
- TikTok - @novajane8
Fitcover
- Website - fitcover.com
- Instagram - @fitcoveraustralia
GBANGER
- Website - gbanger.com/
- Instagram - @gbangeraustralia
- TikTok - @gbangeraustralia
Ask a question | www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Your Superannuation Questions Answered
Questions
0:00 - Intro
2:15 - What is superannuation and why is it important?
5:10 - How do I open a superannuation account?
7:10 - How do I make contributions to my super?
9:45 - Can I access my super before retirement?
11:31 - How do I choose an investment option for my super?
14:00 - How do I check the balance of my super account?
15:53 - How do I consolidate my multiple super accounts?
20:08 - What happens to my super when I change jobs?
21:48 - Can I withdraw my super when I retire?
Ask a question | www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, we provide a comprehensive guide to superannuation in Australia. We explain what superannuation is and how it works, including the different types of contributions, investment options, and tax benefits. We also discuss the factors to consider when choosing a super fund and how to determine the right investment strategy for your superannuation. Plus, we explore the government incentives available to encourage retirement savings and the impact of superannuation on retirement income. Whether you're just starting to save for retirement or you're looking to make the most of your existing superannuation, this episode has everything you need to know.
Chapters
- 2:20 - Compound interest
- 6:55 - The purpose of superannuation
- 9:40 - Withdrawing superannuation during Covid 19
- 10:45 - Myths about superannuation
- 18:30 - How superannuation & investments work
- 23:00 - When you can access superannuation (withdrawing money from superannuation)
- 26:00 - Using your superannuation in retirement
- 27:05 - Active income vs passive income
- 31:25 - Contributing money into superannuation
- 36:25 - Superannuation is an investment vehicle not an investment
- 40:20 - Superannuation and insurance
Calculations
- Starting investment - $0.00
- Yearly investment - $7,000 (assuming salary of $70,000 investing 10% Super Guarantee is currently 10.50%)
- Years invested - 40
- Annual interest rate - 9%
- Calculator | https://moneysmart.gov.au/budgeting/compound-interest-calculator
Disclaimer
A model not a prediction. Results are only estimates, the actual amounts may be higher or lower. We cannot predict things that will affect your decision, such as changing interest rates.
This calculator is not intended to be your sole source of information when making a financial decision.
Assumptions
- Initial deposit is made today.
- Regular deposits are made at the end of year, month, fortnight, week, or day (according to the deposit frequency you set).
- Interest is credited either monthly or annually, in line with standard industry practice.
- The delayed start comparison feature will have the same regular deposit frequency.
Ask a question | www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Your Investment Property Questions Answered
Questions
- 0:00 - Intro
- 2:00 - What are some good ways to get started in property investing?
- 6:50 - How can I tell if a property is a good investment?
- 12:00 - What are some risks to consider when investing in property?
- 17:15 - Are there any tax benefits to investing in property?
- 20:15 - What are some tips for successful property investing?
- 26:35 - How do I find good investment properties?
- 29:50 - What is a property investment trust (REIT)?
- 31:60 - Are there any downsides to investing in?
Ask a question | www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Welcome to Part 2 of 2 in our Investment Property Deep Dive Episodes. If you have not listened to last week's episode yet, go back, and listen to that one before starting on this week's episode.
Listen to Part 1 Here: anchor.fm/morethanmoneyau
In this episode we cover the following:
- What to keep in mind before you start investing in property
- How to find a suitable investment property
- And finally, once you have found a property, what are some strategies for managing your property and maximising your investment returns
Ask a question | www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Welcome to Part 1 of 2 in our Investment Property Deep Dive Episodes.
In this episode, we cover the following:
- How to make money from property
- Pros and Cons of investing in property
- Why investment properties are favoured over other investment types
- What are the different properties to choose from
In next week's Part 2 episode, we cover the following:
- What to keep in mind before you start investing in property
- How to find a suitable investment property
- And finally, once you have found a property, what are some Strategies for Managing Your Property and maximising your investment returns
Ask a question | www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Investing Questions
- 1:37 - I'm new to investing. Where do I start?
- 4:03 - I'm not sure if I have enough money to start investing.
- 5:58 - What are some good investments for beginners? 8:15 - I'm worried about taking too much risk. How can I minimise risk With my investments?
- 10:55 - How do I know if my investments are performing well?
- 14:51 - I want to invest for the long term. What are some good strategies?
- 16:25 - I'm not sure I understand all the jargon and technical terms. Can you explain them in simpler terms?
- 18:08 - How do I know if I'm making the right investment decisions?
- 19:50 - I'm interested investing in real estate. What should I consider?
- 21:56 - I'm worried about the tax implications of investing, what should I know?
Ask a question | https://www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, we'll cover everything you need to know to get started on your investing journey. We'll explain the different types of investments available, such as stocks, bonds, and managed funds, and help you understand how to create a diversified portfolio. We'll also discuss the importance of setting financial goals and creating a budget, and provide tips on how to minimise risk and maximise returns. By the end of this episode, you'll have a solid foundation in the basics of investing and be well on your way to building wealth for the future.
Ask a question | https://www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
EP 53 - Estate Planning Deep Dive w/ Tara Lucke
Ask a question | https://www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, we will be discussing the importance of organising and managing the distribution of your assets and possessions after you pass away.
We will cover topics such as creating a will or trust, making arrangements for the care of minor children, and establishing a plan for managing your financial affairs if you become incapacitated. Estate planning is essential to ensure that your wishes are carried out and to minimise the possibility of disputes among your loved ones. Tune in to learn more about this critical topic.
Resources
- Watch full episode on YouTube: https://youtu.be/4x-Q8XH7Etw
- Wills & Powers of Attorney: moneysmart.gov.au/wills-and-powers-of-attorney
Ask a question | https://www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Welcome to this week's episode of the More Than Money Podcast, where we discuss strategies for protecting your wealth and safeguarding your financial future.
In this episode, we'll discuss the importance of emergency savings funds and personal insurance.
First up, emergency savings funds. These are essential for covering unexpected expenses and can help alleviate financial stress in times of need. But how much should you aim to save in your emergency fund? Generally, we recommend saving enough to cover at least three to six months' worth of living expenses. This will give you a solid foundation to fall back on in unforeseen circumstances.
Next, we'll discuss personal insurance. This is another critical tool for protecting your wealth and ensuring financial stability. There are several types of insurance to consider, including; life insurance, Total and Permanent disability, income protection and crisis/trauma insurance. Life insurance can provide financial security for your loved ones during your unexpected death.
Tune in to this week's episode to learn more about the importance of emergency savings funds and personal insurance and how they can help protect your wealth and safeguard your financial future.
Thanks for listening!
Resources
- Life Insurance: moneysmart.gov.au/lifeinsurance
- Total and Permanent Disability Insurance: moneysmart.gov.au/TPDinsurance
- Income Protection: moneysmart.gov.au/incomeprotection
- Trauma Insurance: moneysmart.gov.au/traumainsurance
- Health insurance: moneysmart.gov.au/health-insurance
Ask a question | https://www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Everyone could do with some extra money in their pocket each week; however, whenever I talk to people about earning extra money, they usually think they have to get a second job or do something that they don't have time for. So these five ways to make some extra money, if done right will not take up too much of your time and don’t require you to work a weekend job.
5 “almost” effortless ways to make a little extra cash
- Get a Roommate (for homeowners and renters) Flatmates.com.au
- Airbnb your room or house (for homeowners only) Airbnb.com.au
- Sell your unused shit on gumtree or Facebook marketplace Gumtree.com.au
- Put your car to work Carnextdoor.com.au
- Consider becoming a pet sitter and get paid to look after some friendly little pets Madpaws.com.au
Ask a question | https://www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, we discuss how do credit cards work and what you need to know before applying for one.
Credit Card Calculator: https://moneysmart.gov.au/credit-cards/credit-card-calculator
Ask as question | https://www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, we discuss 3 Steps to Take Control of Your Debt:
- Review your current debt and understand what you owe, much your repayments are and when you need to pay your debt off by
- Understand what type of debt you have Good, Bad or Shit / toxic debt
- Decide what you will do with your debt, retain it, restructure, remove, reduce, refinance or consolidate it.
Ask as question | https://www.rossmarais.com/askross
Resources:
- Money smart debt
- https://moneysmart.gov.au/managing-debt
- Money smart, mortgage calculator https://moneysmart.gov.au/home-loans/mortgage-calculator
- Money smart personal loan calculator:
- https://moneysmart.gov.au/loans/personal-loan-calculator
- Interest calculator
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Cashflow & Money Management. In this episode we talk about the third part of building your financial foundations which is ‘How to manage your Money, structuring your bank accounts to help you take control of your money so you can understand where all of your money is going.
Resources
- My Prosperity Wealth Portal - https://www.moretimefinancial.com.au/wealth-portal
- Pay Calculator - https://paycalculator.com.au/
- Expenses list -https://docs.google.com/spreadsheets/d/e/2PACX-1vS7jlxbppBImRBc_PK96jyFiz0YH8FjWAJVoC4YAZ-BlkWejLWi7b5qd5D-Wtn8YQ/pub?output=xlsx
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
The Goal Planning Process: Understand What You Want to Achieve and Why Steps
- Create your wish list
- Create your goals board
- Create an action plan for each goal
Resources
- Wish List Template
- Goals Board Template
- Alan Watts - if money was no object video - https://www.youtube.com/watch?v=khOaAHK7efc
- Compound interest calculator - https://moneysmart.gov.au/budgeting/compound-interest-calculator
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
On the More Than Money Podcast, we will be having real conversations about Lifestyle, Money and Business.
In this episode, we are talking about how to Get Financially Sorted to help you determine where are you right now?
- Step #1 - What do you own?
- Step #2 - What do you owe?
- Step #3 - How much do you earn?
- Step #4 - How much do you spend?
Resources
- My Prosperity Wealth Portal - https://www.moretimefinancial.com.au/wealth-portal
- Pay Calculator - https://paycalculator.com.au/
- How to create a mygov account https://www.servicesaustralia.gov.au/mygov-help-create-mygov-account
- How to link mygov services - https://www.servicesaustralia.gov.au/mygov-help-link-service-using-linking-code
- Last Pass - password management - https://www.lastpass.com/
- Expenses list -https://docs.google.com/spreadsheets/d/e/2PACX-1vS7jlxbppBImRBc_PK96jyFiz0YH8FjWAJVoC4YAZ-BlkWejLWi7b5qd5D-Wtn8YQ/pub?output=xlsx
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
On the More Than Money Podcast, we will be having real conversations about Lifestyle, Money and Business.
Find out more about Tanera Instagram - https://www.instagram.com/real_ttime619/
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, I decided to get a few of my mates together to chat about all things money. This is part two of two episodes so be sure to head back to part one before listening to this episode.
Throughout this episode, we discuss a range of topics including:
- Money do’s and don’t when shouting your mates
- Mistakes people make when buying a house
- Cryptocurrency
- Purchasing a car
- Purchasing a property
- Being self-employed and asking for money from clients
Find out more information about topics discussed in this episode:
- Salary packaging - Find out more
- Salary sacrificing - Find out more
- Negative interest rates, what does this mean? - Find out more
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, I decided to get a few of my mates together to chat about all things money. This is part one of two episodes so be sure to continue listening for part two.
Throughout this episode, we discuss a range of topics including:
- Money do’s and don’t when shouting your mates
- Mistakes people make when buying a house
- Cryptocurrency
- Purchasing a car
- Purchasing a property
- Being self-employed and asking for money from clients
Find out more information about topics discussed in this episode:
- Salary packaging - Find out more
- Salary sacrificing - Find out more
- Negative interest rates, what does this mean? - Find out more
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Ask Me Anything - Answering your money questions
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, I am being interviewed about the challenges and complexities of running your own business, especially for younger business owners. Some of which include, balanced your business growth and goals with your personal and lifestyle goals. Not planning ahead, the difficulty obtaining/applying for finance or a mortgage. Juggling cash flow and knowing what money is yours to spend on personal things, what money is the business’s and what money is the tax mans
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In today’s episode, I share with you an interview with Craig Hill who owns and operates Howzit Property Management and Airbnb management business, the @Caba_cottage and @the_beachflat. Throughout this episode, I chat with Craig about his personal Airbnb story, how he started sleeping in the car on weekends and renting out his unit. How he has been able to take his passion for property to start his own property management business. Advice and tips for others wanting to get started renting their property on Airbnb and much, much more.
Learn more about Craig and Howsit Property Management
- Website - howzit.com.au/
- Instagram - @howzit_mgt
- Instagram - @Caba_cottage
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, I will share with you some of the common challenges that I see business owners, sole traders and self-employed clients dealing with. This includes understanding what money in their business is their own personal money to spend or take out as a salary, what money needs to be kept in the business to cover business expenses and how much money needs to be put aside or withheld for the taxman.
Company base tax rates will vary depending on your turnover and are subject to change every financial year.
Income tax calculator | Use this calculator to quickly estimate how much tax you will need to pay on your income. https://paycalculator.com.au/
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free Initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, I share with you an interview with Britt Snow who, along with her husband Josh, founded and currently run the elopement collective, previously known as the pop-up wedding co. As you will hear in this episode, the elopement collective is a squad of wedding industry leaders and creatives that create epic and intimate elopements for couples in Australia and around the world.
Eloping is something that appears to become more accepted as a potential alternative for the traditional 80 - 100 person wedding or Event as Britt describes it. As we discussed throughout this episode, some of the benefits include not only the potential cost savings, a lot less stress and time involved in having a plan and organise your special day. Most importantly the opportunity for couples to have a day of their choosing, without all of the external pressure and expectations that seems to come with having a wedding.
Throughout this episode, I discussed with Britt
- How they were able to take their original goal of booking 12 weddings a year. To now having grown a business with an annual turnover of over $600,000, as well allowing their family to travel the world doing something they love.
- How the original idea of the pop-up wedding co which turned into the elopement collective was born
- The decision for Britt and Josh to quit their full-time jobs and start their business
- Some of their biggest failures and lessons they have learnt so far with running their own business
- What they know now that they wish they had known when first starting the business
- The growing trend of eloping
- How eloping works and what are the costs involved
- The wedding industry as a whole
- Some of the amazing travel destinations that they have travelled to including Iceland, New Zealand and New York
Learn more about Britt and The Elopement Collective
- Website - elopementcollective.com
- Instagram - @elopementcollective
- Facebook - @elopementcollective
To stay up to date with the latest news, sign up to
In today’s episode, I will share with you a real-life client scenario of Kim & Kanye (not their real names) clients that I have been working with for the past few years in my business More Time Financial. As a result of working together, we were about to increase their savings by $1,000 pm / $12,000 pa and we were able to go from being $20,000 in debt to having a house deposit of $50,000 and purchasing their first house in less than 18 months.
Episode Sponsor
This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
To stay up to date with the latest news, sign up to More Than Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, we speak to Brittnay and Jay who are full time, professional house and pet sitters. They both love travelling and taking care of animals to date they have looked after over 90 pets in 14 countries. This podcast was recorded in January 2020 while Jay is on a boat in Carriacou which is the largest island in the Grenada / Grenadines and sits around 30km North of the main island of Grenada. It has a population of around 8,000 and is fairly small at around 30km square.
Learn more about Britt and Jay
- Website - thetravellinghousesitters.com
- Instagram - @thetravellinghousesitters
- Learn house to become a house sitter by signing up to their House Sitting Course
Resources mentioned in this episode
- Trusted House Sitters - https://www.trustedhousesitters.com/
To stay up to date with the latest news, sign up to More Than Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
Episode Sponsor
This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Starting a Business, Breakups & Travel With Emily Gough
In this episode, we speak to Emily Gough about:
- Going back to school
- Changing careers
- Starting a business
- Relationship breakdown
- Travel
- Pros and Cons of working remotely
- Your money story and money beliefs
About Emily
Some things you may not know about her:
- A handful of my favourite things include deadlifts, dark chocolate PB cups and patting every dog I meet.
- I’ve held random jobs that include everything from working in a warehouse and bartending in nightclubs for years, to customer service at a well-known chain and managing large corporate sales accounts in the automotive industry.
- I have BA in Criminal Justice & Psychology, plus certifications as a personal trainer, group fitness instructor and holistic nutritionist - and it all somehow led me to where I am today.
- Whether it’s walking, hiking, lifting heavy weights or trying to learn to love the assault bike, I’m usually in motion.
- I laugh a lot, even at inappropriate moments. I try to find the light in everything, and will also always encourage you to feel all the feels, otherwise, they have a habit of coming back to bite us in the ass 10X over.
- The hardest lesson I’ve learned is that life isn’t going to go according to plan. Ever. The faster you learn to let go of “the plan,” the more adaptable you will be and that will allow you to see and appreciate the most beautiful parts of the unexpected.
Learn more about Emily
- Website - emilygoughcoaching.com
- Podcast - Room to grow podcast
- Instagram - instagram/emily
Resources mentioned and topics discussed in this episode
- Rules on opening and closing joining bank account - moneysmart.com.au/jointbankaccounts
- Relationships and money - moneysmart.com.au/relationships
- Defacto laws in Australia - familylaw/defacto
To stay up to date with the latest news, sign up to More Than Money Newsletter and g
Topics discussed in this episode:
- Podcast show name change
- Give you a life update of what has been happening in my life for the past 12 months
- Taking a 1-month working holiday in Bali (January 2020)
- Dealing with Covid
- Working from Home for the past 12 months
- Experience of dealing with the share market chasing
- Some of the important life and money lessons from COVID
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company that are on a mission to help young Australians make smarter decisions with their money.
About Me: Ross Marais
I am a Gen Y Financial Adviser & CoFounder of More Time Financial.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Facebook | Facebook@rossmaraisoffical
Youtube | Youtube@rossmarais
LinkedIn | LinkedIn@rossmarais
Twitter | Twitter@rossmaraisfp
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode we speak to Luke Ridden from Granddad Jacks about Startup business, whisky, gin and distillery.
Topics discussed in this episode:
- The decision to start a distillery on the Gold Coast
- The process of taking an initial idea, building their distillery and opening their doors for business
- Some failures, / hurdles / issues that he has had to overcome
- Challenges of being in business with Family
- The importance of social media for your business?
- How to maintain work life balance when starting a business
- His favourite places to eat / drink on the Gold Coast
Granddad Jacks - Craft Distillery & Nanobrewery
Pop in for a drink @ 45 Lemana Lane, Miami Qld 4220
Website - granddadjacks.com/
Instagram - @granddadjacks/
Facebook - @granddadjacks
YouTube - @granddadjacks
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Facebook | Facebook@rossmaraisoffical
Youtube | Youtube@rossmarais
LinkedIn | LinkedIn@rossmarais
Twitter | Twitter@rossmaraisfp
Medium | Medium@rossmarais
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal cir
In this episode, we speak to Lucy Jackson and Nikki Westcott of We the Wild Ones about:
- Deciding to quit their jobs and start a clothing line
- The many ways an influencer can make money online
- Just how beneficial the right influencer and be for a business
- What they have learnt in the past 18 months of running their own business
- Getting stocked on the top three online retailers in Australia and much much more
About
Fashion influencer duo, We the wild ones aka Lucy Jackson and Nikki Westcott, bring positive vibes to their highly engaged Instagram audience, sharing creative content, travel diaries and channelling their work hard-play hard mentality. Whether they’re at the latest launch or living it up in Bali they live by their motto, ‘Get dressed, get snapped and then get wild!
Find out more about Lucy & Nikki
Lucy Jackson
- Instagram - @lucykatejackson/
- LinkedIn - @lucy-jackson/
Nikki Westcott
- Instagram - @nikkiwestcottt/
- LinkedIn - @nikki-westcott/
Business
- Instagram - @wethe_wildones/
-
Clothing Line Jagger & Stone - com
-
Podcast - Happy Hour with Lucy & Nikki
Resources, mentioned and topics discussed in this episode
- A basic girls guide to building an Instagram - com/
· Travel Influencers - Tegan & Ned teganandnedshop.com/ · The Young Money Podcast Ep 019 - Chasing Fulfilment with Elliot (Tyger) Lyons * Bankruptcy Rules Australia – moneysmart/bankruptcy
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
To st
In this episode we speak to Rohan McAdam from McAdam Family about Marriage, Money & Relationships.
About Rohan McAdam
I enjoy my work as a family lawyer. Whilst the situations I encounter are often painful, I embrace the opportunity to bring hope through practical solutions that work. I do this by focusing on what really matters and developing specific approaches and strategies to avoid long, drawn-out, expensive disputes.
Find out more about Rohan
- Website - com.au
- Instagram - @mcadamfamilylaw
- Facebook - @McAdamFamilyLaw/
- LinkedIn - @rohan-mcadam/
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Facebook | Facebook@rossmaraisoffical
Youtube | Youtube@rossmarais
LinkedIn | LinkedIn@rossmarais
Twitter | Twitter@rossmaraisfp
Medium | Medium@rossmarais
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, we speak to Noni Croft from Croft Confidence about Mental Health & Money.
About Noni Croft
Website croftconfidence.com/
Instagram @croftconfidence/
LinkedIn @nonicroft/
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Facebook | Facebook@rossmaraisoffical
Youtube | Youtube@rossmarais
LinkedIn | LinkedIn@rossmarais
Twitter | Twitter@rossmaraisfp
Medium | Medium@rossmarais
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, we speak to Dan & Annie from @doingdownunder about their decision to quit their jobs, pack their lifes into a van and travel around Australia for 12 months.
Instagram: @doingdownunder
Resources
Things we couldn’t travel without -
- Wiki Camps - wikicamps.com.au
- Bialetti Moka – Coffee Maker
- Koala King Size Mattress
Key Questions and topics covered in this episode:
Deciding to travel
Life on the Road
- What has been the best thing about traveling so far?
- Has it changed your perspective on work life Balance?
- Top tips for anyone wanting to do the same thing?
Financials
- How much did you budget for your trip?
- How long did it take to save up for the trip?
- What did you do to save money?
- Are you doing any work while your travelling?
Questions from listeners
- How many days have you gone without having a shower?
- Where do you shower?
- Do you ever get a hotel for the night, if so why?
- How long are you planning on traveling for?
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Facebook | Facebook@rossmaraisoffical
Youtube | Youtube@rossmarais
LinkedIn | LinkedIn@rossmarais
Twitter | Twitter@rossmaraisfp
Medium | Medium@rossmarais
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In this episode, Ross sits down with James from mrkts.com.au to talk about all things financial planning.
In this interview, James and Ross chat about:
• What financial planners do
• Who should speak to a financial planner
• The benefits of speaking to a financial planner
• When to start planning for retirement
• How much financial planners cost
• Plus much more!
Resources:
mrkts.com.au
The trusted Australian property media, research, knowledge, technology and social hub.
• Website - Mrkts.com.au
• Facebook Group - Property Education Hub
• NU Dev - nu-dev.com.au
In this episode, we talk about the property development process and getting into the property market.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Facebook | Facebook@rossmaraisoffical
Youtube | Youtube@rossmarais
LinkedIn | LinkedIn@rossmarais
Twitter | Twitter@rossmaraisfp
Medium | Medium@rossmarais
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
I answer your questions about saving money, credit cards and superannuation.
Questions
Q: How do I save more money? I have a full-time job and earn good money for my age, but I can't seem to be able to save money.
Q: Is it a good idea to get a credit card? I am thinking of going travelling and have heard that its good for points?
Q: Should I put more money into superannuation? I am 25 years old and work as a high school teacher, and people at work are always telling me I should put money into super?
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Facebook | Facebook@rossmaraisoffical
Youtube | Youtube@rossmarais
LinkedIn | LinkedIn@rossmarais
Twitter | Twitter@rossmaraisfp
Medium | Medium@rossmarais
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
In today’s episode, I share a recording from when I was interviewed by Elliot Tiger Lyons. Elliot who you may remember was a guest on The Young Money Podcast Episode 019. Where he talked about his experiences of being a social media influencer and a travel Instagrammer, getting paid to travel the world.
He now runs a podcast called The DEN FM (previously Tyger Talk) and he was kind enough to invite me on and let me share a bit about myself, my business, my experience and why I’m so passionate about financial education and helping my generation to make smarter decisions with their Money.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Facebook | Facebook@rossmaraisoffical
Youtube | Youtube@rossmarais
LinkedIn | LinkedIn@rossmarais
Twitter | Twitter@rossmaraisfp
Medium | Medium@rossmarais
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
On this episode, we are talking about tax. Firstly, why we pay tax. Tax is money that people and businesses pay to the Australian Government. The money we collect helps pay for services including, health, education, defense, roads and railways, social security and other payments from Centrelink.
What income is taxable? Your taxable income is your assessable income minus your tax deductions. Income that is taxable, Income that you must pay tax on includes money from, employment, pensions and annuities, most government payments, investments, capital gains, income from trusts, partnerships or businesses foreign income.
What to do with your tax refund?
- Pay Down Debt (Credit Card, Personal or HECS Debt)
- Build up your emergency savings fund
- Save it or Invest it
- Enjoy it - book a holiday
*Correction to information discussed in the episode, the Financial year dates are 1 July - 30 June each year.
Full show notes available at www.rossmarais.com/podcast
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Medium | Medium@rossmarais
This Episode was created with the assistance of the very talented team at Udeo Media.
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
With so many young Australians packing their bags and heading overseas to live and work. Or having the dream of running a location independent business and working from their laptop it can be easy to get caught up in the travel / expat lifestyle and forget about your financial and tax responsibilities back home. Which if you aren't careful can end up costing you a lot of money.
On this episode my guest, James Ridley from Atlas Wealth is here to discuss what young Australians need to be aware of if they want to run go work or live overseas.
Episode Sponsor - This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
Topics covered in this episode
- What steps you need to take before your leave Australia
- How to maximise your time while you are overseas
- What needs to happen before you come home to Australia
- Setting up a bank account in the country you are living or working in
- What happens to your HECS Debt when you are aboard
- Tips for sending money bank home
- The difference between being a resident and non resident for tax purposes
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | Linke
The Australian Dream or Great Australian Dream is a belief that in Australia, home-ownership can lead to a better life and is an expression of success and security. Everywhere we turn there is constant pressure for our generation to buy a house and get into the property market. This constant pressure has left our generation not feeling successful unless they have bought a house.
Full shows note - rossmarais.com/podcast
Gold Coast First Home Buyer Information Night
Join us for our first home buyers information night where you can listen and learn, not be told and sold Tickets available here
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Medium | Medium@rossmarais
This Episode was created with the assistance of the very talented team at Udeo Media.
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should
With the increasing cost of living affecting most Australian households, it is easy to see why national debt levels are at an all-time high. Unfortunately, too many families rely on their credit card and are living week to week which makes it nearly impossible to get out of debt and get ahead financially. If you find yourself with some or a lot of debt, it is essential that you understand what debt is and what type of debt you have. As it is necessary to be aware that not all debt is the same and there is, in fact, a type of debt that can be good.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
Good debt is that type of debt that is your friend and if you are going to have any debt at all this is the type you want.
Bad Debt, the type of debt that unfortunately for most Australians we need to have some of this in our lives to provide us with one of our essential needs which is place to live.
Ugly Debt, the worst type of debt, which unfortunately too many Australian families have too much of and are what causes a lot of stress on the household budget.
Full show notes available at rossmarais.com/ep20
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Medium
Elliot (Tyger) Lyons, social media influencer, content creator, aspiring triathlete and all round great bloke stopped in to chat about all things travel, lifestyle, business partnerships, social media and the importance of money.
Episode Sponsor: This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
“I was a travel photographer, documenting life all over the world and it sounds stupid but it actually left me feeling unfulfilled. Posting photos documenting a life where each new country was simply in between and before the next trip. It was an incredibly humbling position to be in, but it was not me. It took me a while to realise and accept that...To come to terms with the fact that, just because it is the dream job for a lot of people doesn’t mean it has to be the dream job for me. I needed something that anchors my day, something that structures my lifestyle - a world where early mornings are a given and pushing the physical limits of my body is a daily occurrence”.
Full Show Notes - https://www.rossmarais.com/2018/06/13/ep19/
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Medium | Medium@rossmarais
This Episode was created with the assistance of the very talented team at Udeo Media.
You have decided you want to make a change, you want to be better with your money. Maybe something has happened in your life to make want to change, you have just turned 30 and feel its times to get your life together, your friend who earns less than you has just bought a house and you feel like that you may also want to buy a house someday, you listened to the previous episode about travelling the world and you want to do the same. Whatever it is, you are ready to make a change. Here are my recommendations for taking the first step to getting Financially organised.
Full Show Notes at rossmarais.com
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Medium | Medium@rossmarais
This Episode was created with the assistance of the very talented team at Udeo Media.
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Kyle Hunter is my guest on today's episode of The Young Money Podcast, he has been traveling for the past three years, living on the road with his partner, exploring over 35 countries incl. most of Europe, Jordan, Oman, Thailand, Philippines, Indonesia, America and many more. In that time he has accumulated over 38,000 Instagram followers and now gets paid to post photos of places that most people can only dream of traveling too.
Episode Sponsor - This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
Kyle was kind enough to take some time out of his busy schedule to sit down with me and share his story on the rare occasion that he was home on the Gold Coast, in between getting home from a month-long trip in the NT and WA and before he leaves from 3 months to head back to Greece.
View Full Show Notes: rossmarais.com/podcast
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Medium | Medium@rossmarais
This Episode was created with the assistance of the very talented team at Udeo Media.
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, fina
In today's episode, I share with you a chat that I had with a Gold Coast-based graphic designer, Tahlia Benefield. Tahlia is the owner of Tahlia Benefield Design. She is a self-confessed lover of creativity and is on a mission to help bring brands to life by providing, quality, affordable designs, and advice to the small to medium-sized business’ both in Australia and across the globe.
Episode Sponsor - This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
In this episode, Tahlia shares her story about what it has been like to start her own design business. The challenges of working for yourself and the important lessons she has learned about understanding the financial side of running a business, having the right business structure in place and why it's so important to get professional advice when starting a business. As well as, why she decided to move to Japan and how having a location independent business has given her the freedom to work from anywhere in the world and maintain her work-life balance.
View Full Show Notes
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips, and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
If you were not aware already, last week the government released their budget for the next financial year and outlined what they plan to do in order to maintain the Australian economy at a reasonable position.
Now for most people, trying to stick to their own personal budget is pretty tricky, so you can only imagine what it must be like trying to stop the whole country from spending more than it earns.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
Now besides the budget creating enough headlines to keep the media jumping up and down for the next couple of months. There are some important things that Young Australians need to be aware of when it comes to how the budget affects our generation. So in today's episode of the Young Money podcast, I am going to give you my 2 cents of the federal budget and what it means for us young Australians.
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips, and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years, I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Medium | Medium@rossmarais
This Episode was created with the assistance of
In this episode share with you an interview that I had with Accountant Reuben Bergola. Reuben is the director and partner of a Gold Coast accounting firm, New Wave Business Solutions (accountants).
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
After spending seven years working for small accounting practice and working his way up to be the manager of the practice. Reuben was fed up with the way traditional accountants were doing business and how they were servicing their clients. Reuben and his team at New Wave Business Solutions are trying to change the way, accounts interact with their clients and delivering much-needed value through the use of technology and cloud-based accounting software.
Be sure to listen throughout the episode where Reuben shares what takes to have a successful business, and what he sees as some of the common pitfall and challenges that small business owners come across and his tips on how you can avoid them.
Learn more about Reuben and New Wave Business Solutions
- Website
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Medium | Medium@rossmarais
“Three-and-a-half years ago I quit my corporate job and decided to leap into self-employment. Nothing could have prepared me for what I would experience over the coming years.”
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
Here are the four lessons I’ve learned since starting my own business:
#1. You are responsible for everything
#2. You need to know your business’ numbers
#3. The work never stops
#4. Keep your business and personal finances separate
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Medium | Medium@rossmarais
This Episode was created with the assistance of the very talented team at Udeo Media.
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
On this week’s episode of the Young Money Podcast, we are talking about the importance of estate planning for young Australians, as well as busting some common myths that come with putting in place a will, being in a relationship and having an up to date estate plan.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money. If you need to put in place or review your personal estate plans, contact More Time Financial and find out how they can help you protect you and your family from costly legal mistakes.
I am joined by a guest, Tara Lucke, Tara is an estate planning specialist and the co-founder of View Legal. Tara shares some of the horror stories she has witnessed in her career and why she is so passionate about what she does.
Tara also discusses what it was like to work for a large law firm, attempting to climb the corporate ladder and why reaching the much-desired partner status wasn’t what she thought it would be. And how she now works as a location independent estate planning specialist and consultant
Find out more about Tara Lucke
- Tara Lucke Legal Website
- Instagram@taraluckelegal
- YouTube
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisfp
Twitter | Twitter@ro
On this Episode, I am sharing with you what I believe to be some of the benefits of going on holiday and travelling overseas.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
I think one of the biggest surprises my new clients get when I first down with them to talk about their money and their lives. Is when I recommend that they start saving for their next trip or holiday ASAP. A lot of the time they say, I thought you would be telling us we aren’t allowed to go on holiday and to be savings all of our money into super or something like that.
While I do recommend my clients to put money into their superannuation, I also strongly recommend that they plan to go on holidays and travel. That is because I believe that travelling is super important, especially for us a young Australians.
Perceptive
Firstly, I believe the biggest benefit of travelling outside of your home country is that it provides you with an appreciation and Perspective, of what else is out in the world.
Real World Experience
Experiences like Trying to read a non-English menu and order breakfast in Portugal, having your flight delayed by 3 hours, missing your transfer from the airport and trying to find your accommodation at 3:00am with no phone or internet reception. And many other priceless experiences that can’t be learnt in any other way besides being there and experiencing it for yourself.
Looks good on your Resume
talking with other people who have returned from traveling and are now starting their careers, for a lot of them they said that having gaps in their resumes due to a few months or years of livings aboard or travelling overseas has actually helped their job prospects because their employers have seen this to be beneficial.
Financial tips for savings to travel
- Set a date when you want to go and a goal of how much you to have saved and just start savings for it.
- Take a 2nd job if you need to
- Set up a separate savings account and put in place an automatic transfer so you can't touch your money
- If you are planning on living overseas and you have HECS debt be sure to check out the ATO website about the rules on repaying your student debt when you are living overseas.
Full Show Notes: Head over to rossmarais.com to read the full show notes and links to even more awesome resources.
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to he
Kaylene Langford, Startup Creative - Interview
To Celebrate the 10th episode of the Young Money Podcast, I share an interview that I had with Kaylene Langford, Kaylene is an Entrepreneur, Business Coach, Keynote Speaker, Podcast Host and Founder & Editor of Startup creative.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
Kaylene shares a very open and honest insight into why she started her business and what drives her everyday to help everyday people follow their passion and create their dream life. This interview includes everything from business tips, relationship advice, travel tips and how to change your mindset with it comes to money.
Favourite Quote:
“Whatever the mind can conceive and believe, it can achieve.”- Napoleon Hill
Recommended Book:
Overcoming Underearning: A Simple Guide to a Richer Life - Barbara Stanny
Find out more about Kaylene Langford and StartUp Creative
- Follow on Instagram @ https://www.instagram.com/startupcreative/
- Grab some free business resources @ http://www.startupcreative.com.au/
- Contact Kaylene about Business Coaching @ HELLO@STARTUPCREATIVE.COM.AU
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Everyone could do with some extra money in their pocket each week; however, whenever I talk to people about earning extra money, they usually think they have to get a second job or doing something that they don't have time for. So these five ways to make some extra money, if done right will not take up too much of your time and don’t require you to work a weekend job.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
5 “almost” effortless ways to make a little extra cash
- Get a Roommate (for homeowners and renters) Flatmates.com.au
- Airbnb your room or house (for homeowners only) Airbnb.com.au
- Sell your unused shit on gumtree or facebook marketplace Gumtree.com.au
- Put your car to work Carnextdoor.com.au
- Consider becoming a pet sitter and get paid to look after some friendly little pets Madpaws.com.au
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips, and resources to help you make smarter decisions with your money delivered straight to your inbox each week
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years, I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
In todays episode I share with you a chat that I had with Nick Lennox, Nick is the Co Founder of Udeo, which is film and media company that help individuals and businesses to create video and audio content to promote their products and services.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
Nick is also the owner of 2 very lovable puppies which make a few appearances in this episode. For anyone who has listened to any of the previous episodes of this podcast the name Udeo might sound familiar and that is because Nick and his team are responsible for the post production and publishing of this podcast. Nick has a very interesting story and shares with me what it has been like quitting his full time job to start his own business just over 12 months ago and some of the challenges he has had to overcome.
To find out more information about what Nick and his awesome team at Udeo are up to head to their website udeo.com.au
To stay up to date with the latest news, sign up to The Young Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week.
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
Credit Cards, you may have one or two but do you know how to use them and what that fine print on the bottom of your application means?
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
In its simplest form, credit cards allow you to borrow money up to a certain limit which you are then required to pay back over at some stage. Some people use credit cards to pay for things that they otherwise couldn't afford, which I strongly don't recommend you do, but sometimes it is unavoidable. Maybe you like to travel and want to build up points, which is a pretty standard reason for people to get their first credit card. Other people use credit cards to help them smooth out their cash flow, so this may be a small business owner who only gets paid at infrequent times and in variable amounts, so having a credit card to see them through the month may help to achieve this.
There are a number of reason why people use a credit card but the main one is that people don’t have money in their bank account to pay for something they want or need so they purchase it on credit. Which if you aren’t good at managing your money can be very dangerous and can leave you with a lot of debt.
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. Co-Founder of More Time Financial. For the past four years, I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Hunter Omaye is a self-employed financial planner based on the Sunshine coast, since leaving university Hunter has experienced a number for significant life events from changing careers, traveling overseas, getting married and starting his own business.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
With Hunter and I starting our financial planning careers together when we were both working for a large financial planning business in Sydney we discuss the different paths we have taken to get us where we are today and the challenges that we have experienced along the way. Hunter explains why he believes it is essential for young Australians to get financial advice and shares some of his personal and lifestyle goals for the future.
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. Co-Founder of More Time Financial. For the past four years, I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Medium | Medium@rossmarais
This Episode is created with the assistance of the very talented team at
Money is such a strange topic and for the most of us it is still a taboo subject and when you throw in another complex layer like a relationship, shit gets even more confusing and has the potential to cause serious.. serious issues in a relationship.
I see this when I talk to clients, one person has a goal of starting a business and the other partner wants to buy a house which means there is a conflict. Some couples share bank accounts others do not, there is no right or wrong answer. It comes down to how comfortable you are in your relationship and what works for you and your partner. But here are my tips and things you need to consider when dealing with money in a relationship.
- Relationship goals: Work out your relationship goals with your partner.
- Current financial situation: Take stock of your income and expenses, assets and debts.
- Attitudes to spending and saving: Are you a spender or saver? What about your partner?
- The financial controller: Who will handle the finances?
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
About Ross Marais
Ross Marais is a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn |
Matt is a 24 year old mortgage broker who is based on the Gold Coast, for the last 2 years he has been helping everyday Australians find a home loan and achieve the Australian dream. From first home buyers to seasoned property investors, Matt enjoys the challenge of having to deal with all of the ups and downs that come with working in the property industry.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
While working full time Matt have been studying part-time at university to complete his Bachelor of Commerce degree in Accounting & Marketing. Being in finance industry since he was 22 years old, Matt discusses the challenges of transitioning from school to university and into the workforce, the importance of finding a mentor to work for and learn from when you are young and inexperienced and the benefits of working in a small business and being able to see how a business runs from the ground up.
Matt is a big believer in the importance of financial education and would strongly recommend that all schools implement a compulsory money management subject. With plans to one day start his own business Matt is happy to soak up as much experience as possible while working for someone else.
Key Questions:
Q - What does money mean to you?
A - Money is the freedom to live your life the way you want to live it.
Q - What impact do you see social media having on our generation?
A - Social media is poison, it breeds insecurity, which leads to compulsive buying behaviour like buying new clothes and cars, which then leads to bias agendas. My recommendation is to just switch it off.
Matt’s top tips for getting into the property market:
- Go seek professional help from a financial planner to help you put in place a good budget to save your deposit
- Put in place a plan to help you control your money.
- Find a good mortgage broker that is willing to hold your hand through the process and educate you.
- Don't buy stuff before you can afford to.
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook |
My top 3 tips on how to better manage your money. I truly believe money isn’t the most important thing in our life but it does play an important role in our lives. Whether we like it or not at some point or in time money is going to control where we live, what we eat and where we choose to holiday.
- Be real clear on why you want to be better with your money,
- Know how much you are spending
- Take a closer look how you use your bank accounts
Money isn’t a fun topic but when you learn to control and manage your moneyt better life can be pretty good.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram | Instagram@rossmarais
Youtube | Youtube@rossmarais
Facebook | Facebook@rossmaraisoffical
Twitter | Twitter@rossmaraisfp
LinkedIn | LinkedIn@rossmarais
Medium | Medium@rossmarais
This Episode was created with the assistance of the very talented team at Udeo Media.
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Episode Sponsor
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
In this Episode of the Young Money Podcast with Ross Marais, I have a chat with my first guest Philippa Meecham. Pip as she is known by to everyone, is the founder and driving force of ProjectBox.
Growing up in New Zealand, dropping out of school to start her first job at the age of 16, Pip has been working in administration and office management roles ever since. Working across different countries, industries and office environments has given Pip the experience and expertise to help other small business owners to systemise, automate, identify and solve the problems that are holding them back in their business .
“Project box was born to really help people systemise their businesses.” Working mainly with tradesmen anywhere between 25 - 35 years old and within their first five years of business, who are either at the point where going from a sole trader to a company or wanting to grow their business as a sole trader. What makes Pip smile and what makes her happy is the feedback she gets from talking to her clients and hearing them tell her how much she has helped them and how easy things actually are when you have a system in place.
Pip is incredibly passionate about helping others to reach their goals and anything that she does she puts her heart and soul into it.
Resources discussed in the episode
- Project Box Resources for Business Owners
- Importance of Goal Setting
Learn More About Philippa Meecham and Project box:
- Website | http://projectbox.com.au/
- Facebook | https://www.facebook.com/ProjectBoxAU/
- LinkedIn | https://www.linkedin.com/in/pipmeecham/
About Me: Ross Marais
I am a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial. For the past 4 years I have been on a mission to help young Australians make smarter decisions with their money.
Follow me Online Here:
Website | rossmarais.com
Instagram |
This episode is brought to you by More Time Financial. A financial planning, money management and financial education company who are on a mission to help young Australians make smarter decisions with their money.
The Young Money Podcast with me (Ross Marais), is designed to change the conversation we have about money, from the media’s negative portrayals to more of a go-to resource and good news story. Each week we will be bringing you a discussion about money that is relevant to our generation as well as interviews with Young Australian's who are doing something amazing with their lives. From young Aussies living overseas to those opening their own businesses on the Gold Coast, we will be talking to about travel, business, relationships and most importantly – what role money plays in their lives.
Being a Financial Planner at More Time Financial, I see the best and the worst of what money brings and the challenges it presents to young Australians. Even though the implications of having or needing money can be some of the most difficult, the idea behind More Time Financial, from its inception two-and-a-half years ago, is to focus on young people and close the gap between where they are and where they want to be financially.
In the first episode of The Young Money Podcast, I talk about the traditional understanding of financial planners do and why young Australians aren’t being taken care of as much when it comes to their money or their plans for their future. I share my experiences and challenges of going into business with my father in order to help my generation and hopefully change their perspective on finance. I discuss the importance of getting the right information and how between the ages of 20 and 35, we experience the some of the most challenging lessons of our life. We are going to bring you these conversations and introduce you to young Australians who are all going through the same challenges as you are while they chase their life goals.
This podcast aims to deliver insight into what I see as a financial planner in my day-to-day consultations, and how young Australians from a range of backgrounds and experiences see the world and view the topic of money in Australia. This podcast series will try to break the taboo subject of talking about money and hopefully inspire young Australians to seek more resources and educate themselves on how to be smarter with their finances. Episode Two will feature Phillippa Meecham – The owner and driving force of Project Box, who talks about starting her own business and how she is aiming to help improve the lives of her clients. Episode Two will be available from next week on Itunes and where ever you get your podcasts.
About Ross Marais Ross Marais is a Gen Y Financial Adviser & Lifestyle Planner. CoFounder of More Time Financial.
Follow me Online Here:
- Instagram | Instagram@rossmarais
- Youtube | Youtube@rossmarais
- Facebook | Facebook@rossmaraisoffical
- Twitter | Twitter@rossmaraisfp
- LinkedIn | LinkedIn@rossmarais
- Medium |