Money: Faith & Finance

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11 August 2026 - Money: Faith & Finance in very first LIVESTREAM! Details to come soon!

Key Takeaways:

Intergenerational Support: Families are encouraged to explore the potential of intergenerational support, which doesn't solely rely on financial help but also includes time, skills, and resources.
Open Communication: Pete emphasizes the importance of early and open conversations among family members about financial and logistical help, breaking the paradigm of having these discussions as reactive rather than proactive.
Cultural Shifts: There is a significant cultural element to support strategies, with differences between traditional Anglo-Australian mindsets and those of other cultures that embrace family collectivism more readily.
Housing and Living Costs: Rising living costs are affecting the ability of younger generations to live independently, prompting a need for families to revisit living arrangements and financial aid strategies.
Financial Planning: Pete highlights the necessity of integrating potential parental or grandparental help into long-term financial planning, ensuring realistic expectations and strategic resource allocation.

Notable Quotes:

"I think if they can, it would be great." - Pete Burrows on whether parents should help their children financially.
"Most families will need help when they're running a family because they may not be working." - Pete Burrows discussing the importance of support during family-building years.
"It's expensive to move out, man. They don't want to move out." - Pete's take on the challenges young adults face in achieving independent living.
"We have a heart where, of course, you want to help your kids." - Pete articulates the natural inclination of parents to support their children.
"Don't limit what you think your ability to give is." - Pete urging not only monetary but varied forms of giving within families.

Resources:

Jenna Price in a Nine News article - The Joys of Being a Grandparent

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Key Takeaways:

Biblical Giving: The concept of biblical giving is rooted in internal motivations rather than external recognition. The importance of humility and sincerity in generosity is highlighted.
Modern Fundraising: The discussion acknowledges the necessity for contemporary fundraising suits within biblical teachings, emphasizing encouragement over self-promotion.
Motivation Matters: True generosity stems from a heart willing to give without seeking return or acclaim.
Spiritual and Practical Balance: Achieving a balance between spiritual obedience and practical needs is essential in today's complex financial landscapes.
Live Financial Guidance: The podcast mentions an upcoming live financial guidance session addressing recent tax changes, aimed at assisting everyday investors.

Notable Quotes:

"Don't do it to be proud, don't do it to show off, ‘Oh, look, here's the money I gave.’"
"It's encouraging to know that there's real people that gave, and maybe their story and their motivations and their situation."
"Once you give it, it's gone. And I think you've got to have the right motivation for the situation."
"It's better to give out of gratitude, not guilt."
"Jesus isn't even going like, ‘Yeah, it's not a question,’ the expectation is that we will have a generous heart."

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Key Takeaways:

Yes, Capital Gains Tax has changed in Australia.
Pete breaks down what they actually are, when they come into effect, and likely outcomes.
This might be a helpful prompt to reconsider your own criteria for investment
Pete Burrows: "You want to get ahead, but ahead of who?"

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Join the Money: Faith and Finance Facebook community.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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Key Takeaways:

One in three Australian workers fear AI might replace them, while a similar proportion of businesses actively use AI technology.
AI can perform mundane, repetitive tasks, allowing workers to focus on high-value, human-centric job aspects.
The website "aicompass.com" can help individuals gauge their job's exposure to AI influence.
Engaging with AI, even in small ways, can help workers adapt and potentially reduce anxiety about job displacement.
It is crucial for workers to leverage their unique skills and "actual intelligence" to remain valuable in their roles.

Notable Quotes:

"Don't ignore [AI], but don't just fear it."
"And now that we're using the chatgpts and the other systems interacting with it or our workplace is now saying, let's use it."
"What does it mean? What are we going to do with it? How does it relate to your circumstances?"
"AI as a tool; Human value is still key."
"Keep up with how it can help, particularly with boring admin tasks."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Are retirement expectations in Australia keeping up with reality? Ben McEachen and Pete Burrows dig into the numbers — including why Australians now think they need $1.9 million to retire — and ask whether that figure is realistic for ordinary people. Pete shares what he genuinely sees with real clients, unpacks the ASFA super benchmark, and offers his three M's framework for building a fulfilling retirement. Whether you're just starting out or already counting down the years, this conversation has something for you.

Key Takeaways:

Australians are increasingly refining their expectations about retirement age and lifestyle due to changing economic pressures and longer life expectancies.
A comfortable retirement may not require the $1.9 million often cited; adjusting lifestyle expectations can lead to financial stability.
Planning for retirement should ideally start early but can be effectively addressed even in later working years, depending on personal circumstances.
Matching retirement expectations with individual financial situations helps avoid disappointment and ensures a realistic retirement plan.
The "three M's" framework—meaning, mates, and money—can serve as a guide for achieving a fulfilling retirement.

Notable Quotes:

"There's no one size fits all, so I think you can't make blanket statements." — Pete Burrows
"You don't need all of it, but you need some of it to enable you to do some of those things." — Pete Burrows
"Match your expectation to your situation." — Pete Burrows
"If you don't model it out, I think you muddle it out." — Pete Burrows
"A great retirement comes from the three M's, meaning, mates, and money." — Pete Burrows

Resources:

Equip Super Survey: Click here to do it
ASFA - Association of Superannuation Funds of Australia

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Australia experienced around $31.5 billion in gambling losses in 2022-2023, indicative of a growing nationwide concern and need for robust policy intervention.
Pete Burrows emphasises the importance of understanding the opportunity cost associated with gambling, suggesting it can detrimentally affect essential household finances.
The episode addresses how digital platforms have simplified gambling, raising stakes and altering traditional perceptions and social behaviors.
Practical strategies such as self-exclusion, accountability partnerships, and understanding net losses can help manage gambling habits effectively.
The conversation explores the ethical considerations surrounding gambling profits and losses, urging a reflective perspective on its societal impacts.

Notable Quotes:

"There was a Melbourne Cup sweep at work and I put in 50 bucks once a year. Problem gambling might be a line item as we talk about in the family budget." - Pete Burrows
"31.5 billion in annual gambling losses. That's about $1,500 per person in Australia." - Pete Burrows
"It feels like we're shoehorning a lot into an episode, but those big-ticket items at the start are going to be just 'whoa.'" - Ben McEachen
"If you keep the money in your house, you're more likely to win." - Pete Burrows
"The ads could be… the frequency of ads - how often and where - that's where reforms are falling short." - Ben McEachen

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Key Takeaways:

Income disparity should not define contribution value in household finances; consider all types of work and responsibilities.
Establishing open, continuous financial dialogues between partners can prevent misunderstandings and foster unity.
Approach household finances with a focus on cooperation and equality rather than dominance, regardless of income size.
Differences in income levels can raise relational and decision-making issues, but these can be mitigated by recognising each partner's comprehensive contributions.
Society's shift to dual-income households necessitates more inclusive conversations around financial responsibility and contribution.

Notable Quotes:

"Money's more visible, but that doesn't necessarily make it the most valuable contribution to a relationship." - Pete Burrows
"As long as you can own why you do it and you're comfortable with the reasons that you do it, but you need to have thought it through as well." - Pete Burrows
"A big part of me wants to encourage everybody if it works for them." - Ben McEachen
"The danger is money seems like the most visible contribution to a relationship but it's not necessarily the most valuable." - Pete Burrows
"Value the other person's contribution." - Pete Burrows

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Sara is a single mother residing in Sydney, Australia, who impressively manages the household dynamics of five children, aged 12 to 19. Additionally, Sara is a devoted foster carer, providing a nurturing environment not only for her children but also for those in need. Her life is a testament to community support, resourcefulness, and unyielding faith, offering her both challenges and a profound sense of fulfillment.

Key Takeaways:

The importance of community support and resourcefulness when managing finances under rental stress.
Utilizing resources like church pantries and fostering allowances to supplement limited income efficiently.
The role of faith in financial decision-making, offering both support and guidance through difficult times.
Effective budgeting strategies include prioritizing rent, engaging with support organizations like Hope Economy, and prudently building an emergency fund.
The impact of avoiding credit card debt and making intentional spending decisions to ensure long-term financial stability.

Notable Quotes:

"Without faith, I would not be able to do this. It comes back to having five kids and a foster child and realizing that these kids are more God's kids than they are mine."
"Each dollar actually has a value and to be purposeful for where that dollar goes."
"My biggest advice? Rent is always first, has to be, that's the biggest stone."
"Once you get over three or four, it's just another kid."
"Volunteering helped me show more gratitude in what was around me."

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Key Takeaways:

Recent changes in Australia's federal budget could significantly affect wealth building, specifically through adjustments to capital gains tax and negative gearing.
The government may aim to make property a less attractive investment over time to address broader housing affordability challenges.
Small business owners and startups could be particularly impacted by these tax changes due to adjustments in how capital gains are calculated.
It's crucial for individuals to engage with financial advisors to understand the personal impact of these fiscal changes and to adjust strategies accordingly.
The upcoming changes underscore the importance of evaluating the socio-economic implications of wealth accumulation practices in Australia.

Notable Quotes:

"The government's come out and said negative gearing going forward. If you bought a property after budget night, you'll only be able to claim negative gearing on new properties." — Pete Burrows
"We have moved from wanting to maybe tax owners the same that we tax earners." — Pete Burrows
"I've never told clients to do anything motivated by tax. Your investment should be good regardless of tax, not because of tax." — Pete Burrows
"Legislation hasn't been introduced. The changes to trusts are three years away." — Pete Burrows
"We do have deficits, and those tax dollars get spent on things that benefit all of us." — Pete Burrows

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About the Guest:

Tim Costello is an Australian advocate known for campaigning against gambling harm. A former CEO of World Vision Australia and regular contributor to the Centre for Public Christianity, he now leads the Alliance for Gambling Reform, a leading national advocacy group working to reduce gambling-related harm. Costello has long been an outspoken critic of gambling practices and policy, advocating comprehensive reforms to better protect Australians.

Key Takeaways:

Tim Costello criticises the Australian federal government's "timid" response to the 2023 Murphy report on gambling reforms.
Costello highlights a lack of a national gambling regulator as a significant flaw in current governmental policies.
The federal government’s response includes partial restrictions on gambling advertisements.
The Alliance for Gambling Reform calls for unified public action to pressure governments for comprehensive reforms.
Costello urges stronger policies to protect children from the pervasive influences of gambling advertisements in sporting events and media.

Notable Quotes:

"It was a timid response and dropping it while the budget was on was of course a smokescreen…" - Tim Costello
"It's unbelievable that in the nation with the greatest gambling losses per head… we have no national gambling regulator." - Tim Costello
"This is not protecting kids. Imagine if 80% of kids knew Marlborough cigarettes…" - Tim Costello
"The only job for parents is to protect kids." - Tim Costello

Resources:

Gambling Harm | Alliance For Gambling Reform - Alliance for Gambling Reform
Australians share the moment they realised gambling had changed their lives forever - ABC News
Calls grow for total ban on gambling ads as Australia’s annual losses surge to $32bn | Gambling | T…
Government accused of 'burying' response to landmark gambling report with budget day release - ABC …
Australian Government response to the House of Representatives Standing Committee on Social Policy …
Report released You win some you lose more – Parliament of Australia

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Key Takeaways:

The Federal Budget 2026 primarily benefits workers and the lower middle class by targeting tax reforms over monetary handouts.
Major tax reforms target capital gains and negative gearing, aiming to make housing more accessible and affordable.
The budget reflects a shift towards providing benefits for earners as opposed to owners, potentially leading to long-term societal gains.
Current investors relying on negative gearing and capital gains concessions might find themselves at a disadvantage with the new reforms.
Despite mild immediate effects, the budget aspires to address overarching issues like cost of living and housing affordability.

Notable Quotes:

"This is a budget more for earners than owners." – Pete Burrows
"We need to think about what is better for the country and the community." – Pete Burrows
"The government's trying not to pour more money out into the economy because that could fuel inflation." – Pete Burrows
"We have to look beyond how does this affect me personally." – Pete Burrows
"This is the most important and ambitious budget in decades." – Pete Burrows

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Anglicare's Rental Affordability Snapshot - National Report

Anglicare's Rental Affordability Snapshot - NSW and ACT

About the Guest:

Rob Stokes is the Group Executive of Housing at Anglicare Sydney. With a distinguished background as a former Member of Parliament in New South Wales, Rob has transitioned to focus on housing affordability and social welfare. At Anglicare, he oversees initiatives aimed at addressing the housing crisis in Sydney and beyond. His efforts emphasize the importance of governmental policy changes to support housing affordability.

Episode Summary:

Australia's rental crisis is hitting hard — and the numbers don't lie. Ben McEachen sits down with Rob Stokes, Group Executive of Housing at Anglicare Sydney, to unpack the findings of their 16th Annual Rental Affordability Snapshot. If you're renting, know someone who is, or simply care about where this country is headed, this one's worth your time. Rob puts it plainly: housing collapse leads to social collapse. So what needs to change — and who's responsible? Practical, confronting, and deeply relevant for everyday Australians navigating the real cost of keeping a roof over their heads.

Key Takeaways:

The 2026 Anglicare Sydney Rental Affordability Snapshot reveals catastrophic levels of rental unaffordability post-pandemic, with availability dropping by 86%.
Single individuals on minimum wage have drastically limited affordable housing options, with just three properties across Greater Sydney meeting affordability criteria.
Vulnerable populations, such as those on income support or single parents with children, are facing even harsher conditions in the rental market.
Rob Stokes advocates for governmental action and progressive tax policies to reallocate funds towards housing solutions.
The conversation highlights the importance of community and governmental support to avert a broader social collapse due to unmet housing needs.

Notable Quotes:

"Statistics provide a very, very bleak picture this year." - Rob Stokes
"Once you've got a housing collapse, it's not long before you end up with a broader social collapse." - Rob Stokes
"We've gone from housing crisis to housing catastrophe." - Rob Stokes
"If taxes on people with multiple homes are going to be changed or increased, then it stands to reason that that tax revenue should go to support people who don't have anywhere to live." - Rob Stokes
"This is a problem for everyone, because if people can't find decent housing, everything else starts to fall apart." - Rob Stokes

Resources:

Anglicare Sydney: Anglicare Sydney's website

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Wisdom vs. Wealth: Wisdom can offer more sustainable benefits than wealth, providing a foundation for making sound financial decisions.
The Biblical Perspective: Applying biblical principles, such as those found in the Book of Proverbs and the Book of James, can guide financial decision-making.
Wisdom in the Workplace: The notion of "wisdom work," especially in the age of AI, emphasizes the importance of human judgment in complementing technological tools.
Learning from Experience: Real-life experiences and past financial decisions should form the bedrock for future financial planning and strategies.
Intergenerational Wisdom Sharing: Encouraging conversations between different generations can foster wisdom-sharing and improve financial literacy and decision-making for all parties.

Notable Quotes:

"Most of the value in what we do is coming from the wisdom of knowing which button to press."
"We should be seeking wisdom, not the answer."
"Wisdom's worth more than we're ever going to earn from our investments."
"If you haven't got the bedrock, if you haven't got the wisdom underneath, well, then each decision could be right, could be wrong."
"Seeking wisdom and wise people in your life is more valuable than just seeking earnings."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Capital gains tax in Australia was established in 1985 to tax profits made from asset sales, excluding the primary residence.
The current 50% discount on CGT, introduced by the Howard government in 1999, was intended to foster investment but has led to disproportionate effects on the housing market.
There's ongoing speculation about potential changes to tax policy in the upcoming federal budget, possibly affecting negative gearing and broader investment strategies.
Intergenerational inequality is partially linked to capital gains tax policies, affecting the housing market and subsequent financial opportunities for future generations.
Tax policies should guide, but not fully dictate, investment behaviors; long-term investment perspectives are encouraged over short-term gains.

Notable Quotes:

"The effective rate of tax on a capital gain for most individuals for the last 25 years plus has been about 23%."
"Investors can probably afford to pay more… The problem is those people that are living in them one day want to buy a house."
"Tax laws are not set in stone forever. They do change, governments change, circumstances change."
"You're asking someone in the future to pay more for it than today."
"If you're not comfortable with that, you need to think about the investment."

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Rosie Kendall is the CEO of Hope Economy, formerly known as Christians Against Poverty (CAP) Australia. Originally from the UK, Rosie joined CAP Australia in 2013 after working with its parent organization in the UK. She has over 19 years of experience in financial services and community development, dedicating her career to helping churches support individuals facing financial distress. Under her leadership, Hope Economy focuses on equipping churches with the tools to address financial difficulties within their communities.

Key Takeaways:

Rebranding for Impact: Hope Economy evolved from Christians Against Poverty to better reflect a positive mission and offer practical help to a broader range of financial struggles.
Financial Challenges Awareness: The importance of understanding the changing financial landscape, impacting communities and churches in guiding financial literacy initiatives.
Community-Centric Approach: Emphasis on the church’s role in community support, serving as a vital conduit in offering help and fostering financial literacy.
Hope and Empowerment: Even small steps like conversation and community connectedness can provide hope and lead to significant financial behavior changes.
Simplicity in Resource Access: Anyone interested can become a money mentor, with resources and support from Hope Economy for those willing to help others in financial distress.

Notable Quotes:

"Going from hopelessness to feeling hope is often the bit that's transformational." — Rosie Kendall
"People don't need kind of generic advice. They actually want someone to listen to their unique story." — Rosie Kendall
"None of us are immune. We all manage money and come into difficulty." — Rosie Kendall
"We're here to have a conversation. I'm here for you." — Rosie Kendall
"To have a money conversation is to look at how we're using our money to reflect our discipleship with Jesus." — Rosie Kendall

Resources:

Hope Economy: HopeEconomy.org.au
Christians Against Poverty: capuk.org

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Understanding Panic Buying: The episode unpacks panic buying behavior, analyzing its origins in consumer psychology and communal impacts.
Psychological Profiles in Purchasing: Leveraging Canadian and Australian studies, Ben and Pete outline consumer types from egalitarians to agentic egoists.
The Role of Governments: A thought-provoking discussion on when governmental intervention is necessary to prevent supply shortages further harming communities.
Strategizing Future Purchases: Encouragement towards self-rationing and considering our societal impacts during buying decisions, to prevent exacerbating shortages.
Influence of Financial Stability: The hosts suggest using financial wisdom and proactive planning as tools to secure stability in volatile markets.

Notable Quotes:

"It's either not a problem, in which case it's good that I'm not panic buying, or it's going to be a massive problem and the world’s going to end, in which case panic buying wasn't going to help me." – Pete Burrows
"We don't all come at our purchasing and hoarding decisions from the same basis. We're influenced by a lot of factors." – Pete Burrows
"Is it actual panic buying, though? Or is it someone weighing up a situation?" – Ben McEachen
"The change has got to start somewhere. And I even like the idea of self-rationing." – Ben McEachen
"Don't waste a crisis. Out of this, we've got to lean into electrification, EVs, and future-proof ourselves." – Pete Burrows

Resources:

Research Article: "Panic buying during the pandemic" 4 types of Consumers – Published at Canadian Manufacturing by Canadian researchers.
Research Article: "Panic buying just makes shortages worse. Why do people do it anyway?" – Published at The Conversation by Jacob and Carina, University of the Sunshine Coast.

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Key Takeaways:

Young adults should emphasise and make use of the time advantage in their 20s to build both financial literacy and savings through small, consistent steps.
Building good financial habits involves setting processes that automatically allocate savings and expenses, reducing the temptation to overspend.
Having a buffer in terms of savings is crucial to cover living expenses for at least three to six months in case of unexpected financial difficulties.
Family members play a key role in fostering financial literacy through open conversations and guiding sensible financial behaviors.
Balancing life experiences with financial responsibilities requires a clear understanding of personal financial goals to justify expenditures and savings alike.

Notable Quotes:

"You've got time. So the 20s is actually a great time… to save a teensy weensy bit of money, put it aside and maybe invest." - Pete Burrows
"Every day is a reset. Every day is a new chance to change the way you think about money." - Pete Burrows
"That's an experience, though. When you're old, are you going to remember how much money you got or that you saw Ed Sheeran at the peak of his powers?" - Pete Burrows
"Take the emotion out of it because we're always going to decide, 'I want to treat Me.'" - Pete Burrows
"Doing Nothing in your 20s is probably the biggest mistake because you're better to try a few things, see what works for you." - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Is private health insurance actually worth it in Australia? Ben McEachen and Pete Burrows dig into one of the most common financial headaches Aussies face — weighing up the cost of private cover against what Medicare already provides. They break down the Medicare levy surcharge, what private policies often leave out, and how to figure out if going private makes financial sense for your stage of life. If you've ever stared at a health insurance renewal and wondered whether to cancel, this conversation is for you.

Key Takeaways:

Private health insurance offers peace of mind but comes with additional costs, which may or may not be justified by the services it provides.
Medicare levy surcharge incentivises certain earners to opt for private health coverage by imposing additional tax if they don't.
Exclusions on private health policies have significantly increased from 3-4% in 2000 to approximately 65% today, affecting the value of coverage.
The decision to choose private health insurance should consider personal financial circumstances, potential future medical needs, and individual comfort levels with risk.
Economic practicalities often make self-insurance challenging, particularly with rising health costs linked to an aging population.

Notable Quotes:

"Do I want that for the peace of mind that it'll bring me?"
"It's going to take a piece of your wallet."
"On a purely economic level, it's very hard to make private health insurance stack up."
"The government puts an extra fee or a loading on you by joining a health fund later in life."
"If you choose to be in a fund, you need to understand what it's going to cost you."

Resources:

ABC News Article on Private Health Insurance
The Australia Institute article
Ethical Fashion Guide

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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About the Guest(s):

Kat Halliday is a vital member of the Ethical Fashion team at Baptist World Aid, an organization dedicated to international aid and development with a strong focus on promoting ethical and sustainable fashion. Through her role, Kat spearheads efforts in creating the Ethical Fashion Guide, which engages with fashion brands to enhance transparency about their environmental and labor practices. Her profound commitment to advocating for ethical fashion has made her an influential voice in addressing the global impact of fast fashion.

Key Takeaways:

Impact of Fast Fashion: Understand the massive volume and turnover speed within fast and ultra-fast fashion industries, where companies like Shein produce thousands of styles daily.
Ethical Concerns: Most garment workers are not earning a living wage, highlighting the human cost behind clothing prices.
Environmental Damage: Fashion is responsible for significant carbon emissions and pollution, notably in places with substantial garment production facilities.
Actionable Advice: Reduce consumption, choose second-hand options, and use tools like the Ethical Fashion Guide to make informed decisions.
Role of Christians: Encouragement for Christians to lead by example in seeking justice and practicing stewardship through their purchasing decisions.

Notable Quotes:

"Fashion is really impacting the world, especially with carbon emissions. When a brand releases 2,000 styles a day, it's bound to have environmental downsides."
"The decisions that I make in how long I look after my clothes for and what brands I choose to shop with connect me to those hundred people."
"Christians throughout history, at our best, have been at the forefront of advocating for justice."
"For young families and school children, there's often a really thriving secondhand market."
"Start by reducing consumption. Learn to love what you have, and style it in new ways."

Resources:

Baptist World Aid: Organisation dedicated to international aid and development where Kat Halliday is employed.
Ethical Fashion Guide: A key resource for consumers wanting to ensure their fashion purchases are ethical and align with their values.

Explore the full episode of "Money, Faith, and Finance" for an in-depth understanding of these issues and practical advice on how to contribute to more ethical fashion consumption. Stay tuned for more insightful discussions on how to align finances with faith and values.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Points:

Budgeting Strategies: Break down your income using frameworks like the 50/30/20 rule to allocate money efficiently for bills, living expenses, and savings.
Zero-Based Budgeting: Allocate every dollar of your income each month to optimise your financial planning and ensure all funds are accounted for.
Automation and Consistency: Automate your savings and payments to maintain financial discipline and remove emotional stress in decision-making.
Incorporate Practical Tips: Simple actions like buying reduced-price grocery items or planning meals can offer significant savings.
Index Your Savings: Consider the impact of inflation and increase your savings over time to preserve their value and future purchasing power.

Notable Quotes:

"Smarter with money can also imply how am I investing my money? Whereas today we're talking a bit more about before it leaves your household, how have you gone with your money?" - Pete Burrows
"It's not about how much you make; it's about how much you keep and how you allocate it." - Pete Burrows
"You've got to do it based on what the truth is. Here's what I'd like to spend: that's what's really happening." - Pete Burrows
"Make a game of it, make it fun, and then invest the rest." - Pete Burrows

Resources:

Christians Against Poverty: CAP Money Course for additional money management resources and community support.

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Points:

Loud Budgeting vs. Quiet Luxury: Discusses the origins and contrasts of 'loud budgeting' and 'quiet luxury,' and how these paradigms influence personal financial conversations and transparency.
Cultural Resistance to Money Talk: Explores the traditional reluctance of Australians to discuss finances and how embracing open conversations can lead to healthier financial practices.
Financial Savviness Among Millennials: Highlights a generational shift where younger clients are more proactive and innovative in reaching their saving goals compared to previous generations.
Parental Financial Communication: Addresses how parents can use 'loud budgeting' as a tool to teach children about financial responsibility and decision-making.
Faith and Financial Priorities: Discusses how 'loud budgeting' aligns with Christian values of not serving both God and money, emphasizing the importance of aligning financial decisions with spiritual goals.

Notable Quotes:

"Loud budgeting… was meant to be much more taking ownership of where you're at on the budget front." - Peter Burrows
"You need to spend from your values, not your vices." - Peter Burrows
"It's about the banter, not the budgeting; people want the conversation and to be included…" - Peter Burrows
“I find the whinger when I think, you're complaining about that, but you've actually got a pretty good life over here.” - Peter Burrows
"If one of your values is worship and wanting to give back to God, well, is there money for that in your budget?" - Peter Burrows

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Points:

Understanding product release cycles and market trends can help consumers save significantly on tech purchases.
The concept of "planned obsolescence" impacts tech-related spending; consumers need to be aware of software updates and support timelines.
Buying pre-owned or refurbished gadgets can be financially wise, provided the right questions are asked to ensure quality and usability.
Ethical considerations, such as the environmental impact of tech manufacturing, are important for faith-driven consumers.
Creating personal tech purchase strategies, like spaced-out buying cycles, can satiate tech desires while maintaining financial health.

Notable Quotes:

"My approach with technology is it should be used to extend the ability of what we can do." - Sam Freeland
"Know what you appreciate, know what your budget is and shop savvy." - Sam Freeland
"Desiring something new and flashy is a problem that a lot of people have." - Sam Freeland
"Once it's out in the world, it's entirely up to software." - Sam Freeland
"Be slow to act. You can always get a good deal on older stuff. That is still perfectly good." - Sam Freeland

Resources:

Follow Sam Freeland on the Troubleshooting podcast for more insights into culture and tech.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Points:

Generosity Redefined: Generosity transcends money; consider giving time, skills, and effort to make a genuine impact.
Plan for Generosity: Reflect on free time and personal skills that can be offered to communities and causes, enhancing your giving strategy.
Consistent Giving Matters: Even small, regular contributions can build significant support over time, creating a sustainable pattern of generosity.
Everyone Can Contribute: Examine your lifestyle and circumstances to identify unique ways to offer help and support.
Celebrate Existing Generosity: Acknowledge and cherish the ongoing generous acts within the community to inspire continued sharing.

Notable Quotes:

"Generosity comes from your attitude, not your circumstances."
"True generosity is giving someone else more than what it costs you."
"Australia can be remarkably impressive when it comes to our explosion of generosity."
"A disposition of generosity should not be limited to financial contributions but be integrated as a core personal value."
"Don't be limited by your circumstances in your thinking about being generous; it should come from your heart."

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That 50 Free, Fun Ideas? Download it here!

Key Points:

Exploration of Cost-Free Activities: Discover how opting for free or low-cost activities can still deliver fun and satisfaction amidst budget constraints.
Cultural Influences on Spending: Learn about the role cultural practices play in our spending habits and the overlooked opportunities for free social engagement.
Community and Relationship Building: See how engaging in community-driven, cost-free activities can significantly enhance personal relationships and build lasting memories.
Planning for Free Fun: Understand the necessity of planning and intentionality to incorporate these activities without overburdening one's schedule.
Impact of Technology on Social Activities: Explore the juxtaposition of tech-driven entertainment with the rewarding experiences of offline, communal interactions.

Notable Quotes:

"It's how you spent your time, not your money." - Pete Burrows
"The less input it needs in terms of props and things to do, the better, because you can just start and you can do it and you can enjoy it." - Pete Burrows
"It's a bit of a cliché to say the best things in life are free, but you think about it, they generally are." - Pete Burrows
"Find your thing that you like doing that doesn't cost a lot of money or is free, but brings you joy and hopefully brings joy to other people." - Pete Burrows

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Key Takeaways:

Embrace intentional spending to achieve a meaningful and budget-conscious Christmas celebration, focusing on experiences rather than material gifts.
Inflation and cost of living challenges require strategic financial planning to maintain the joy of the holiday season.
Get creative with gift-giving by exploring second-hand markets, homemade items, or shared family activities to save money.
Utilize existing resources like recycled gift bags or natural decorations to reduce costs.
Remember the essence of Christmas is community and giving, aspects that need not be financially driven.

Notable Quotes:

"It's not everybody's favourite accountant. I mean, other people have other accountants and I assume they like their accountants, so."
"Spend less, spend better or spend less, spend a bit more intentionally."
"If you're a bit worried about, have I spent too much? Can I afford this? What's going to be on the credit card in the new year?"
"Intentional spending: heartfelt, not landfill."
"Remembering Jesus wasn't rich, but Jesus did enjoy and gave hospitality."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Rental Market Dynamics: Prices in capital cities are excessively high, leading to rental stress among Australians; creative strategies are needed to navigate these challenges.
Financial Strategies: Look at managing the remaining 70% of your budget after rent rather than focusing solely on the rental costs.
Adapting to Change: Consider regional moves to more affordable areas, leveraging remote work opportunities as a feasible solution to high urban rents.
Income Optimisation: Improving your professional standing or seeking alternative income streams are crucial in adapting to high rent costs.
Faith and Acceptance: Emphasising the importance of acceptance and mindful prayer to manage financial and rental pressures effectively.

Notable Quotes:

"Rental prices have increased astronomically, especially in high demand areas such as capital cities."
"Think outside the box… be more creative about the income side of our equation."
"Don't go into a shop if you can't afford to buy the things in the shop… it's got to be the same with rental."
"Consider what you're left with and how you manage the costs that happen week to week once the rent is decided."
"You've got to increase your employment, look at your job. Are you doing the best you can in terms of your employment?"

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Have a 'rent crisis' suggestion to make? Send it through to us at this form here

Key Takeaways:

Rental stress is a critical issue in many Australian cities, with residents spending a significant portion of their income on housing.
Suggestions to combat rental unaffordability include supporting the YIMBY movement, promoting zoning reforms, and increasing housing supply.
Listener contributions mentioned paying for others' everyday expenses as a form of assistance for those in rental stress.
Balancing personal financial health with generosity remains a thematic challenge; the episode invites dialogue on this aspect.
Future episodes will explore deeper financial strategies for handling rental costs.

Notable Quotes:

"Perth is the most unaffordable rental city in the country at 32% of income share."
"Can you stick it out? Should you get other loans to help you with this?"
"Is it possible or do you park generosity while addressing difficult financial situations?"
"Paul's suggestion: forming local housing co-ops with a mission of building housing on purchased land."
"If we stopped using Airbnbs…homes would become available for long-term rental."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

The podcast is presently on a brief hiatus due to health issues faced by both hosts, with plans to resume regular episodes soon.
Hope Media's November Appeal highlights how faith-based generosity directly supports the thriving of such community initiatives.
Ben provides biblical perspectives on financial generosity, encouraging listeners to reflect on their motivations and the impact of their giving.
He emphasises that every contribution, whether financial or prayerful, holds profound significance in supporting the shared mission of Hope Media and Money, Faith, and Finance.

Notable Quotes:

"Working with a place that relies on the giving of others, that's a great exercise in trusting God."
"Being able to share the story... the comments that come through about how God has worked in people's lives and Hope's been a part of that, it's awesome."
"Really humbling and quite uplifting to know that so, so so many people over a long period of time have decided to give what God has given to them."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Joy Mantra: Applying the principle of J-O-Y (Jesus, Others, Yourself) might provide a balanced approach to budgeting and financial generosity, aligning spending with core values.
Spiritual Perspectives: The concept of balancing a ledger with God through good deeds is challenged with insights from scriptural teachings emphasizing grace and mercy.
Guilt vs. Grace: Discern between giving driven by guilt and generosity inspired by grace, understanding that God provides for us to excel in His work.
Practical Financial Stewardship: Embrace a realistic view of life circumstances when making financial decisions, recognizing the influence of fear and guilt in monetary choices.
Community Engagement: Engage in conversations on how spirituality influences financial decisions, contributing personal experiences and reflections on faith-driven financial practices.

Notable Quotes:

"Is it possible that you think you can somehow pay God off or buy back the bad, which, personally, I don't think is possible?" - Ben McEachen
"We can't just square it all out. You've got to have a strategy that works, that's sustainable for you." - Pete Burrows
"Jesus paid it all to him I owe, but not as a debt that you've got to pay off for the rest of your life." - Ben McEachen
"We need to seek God's will for our heart and life, not just give X amount per week because that is not prescriptive." - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Faith and finance can effectively intermingle, offering a holistic approach to handling money by incorporating biblical principles.
Generosity should not be limited to a strict percentage; instead, it is about giving with a joyful heart based on one's capacity.
It is prudent for young earners to establish a saving habit, ensuring long-term financial health while also responsibly enjoying their earnings.
Understanding and participating in superannuation is crucial for securing future financial stability and retirement readiness.
Investments, including those in the stock market, are not inherently unbiblical, but one must ensure comfort with the level of risk involved.

Notable Quotes:

"We talk about money and how it intersects with your life... we are practical, we're profound, we're down to earth, we're crazy." - Pete Burrows
"Even if you don't like money or don't think you're good at money, we've all got to have an attitude towards it." - Pete Burrows
"I do believe not so much giving till it hurts, but giving till you notice it." - Pete Burrows
"It's gotta be not about what percentage I give, but having an attitude where I'm generous." - Ben McEachen
"The best thing about super is while you're working, you're having money put away for you that you can't stuff around with until you retire." - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Shrinkflation Defined: Products reduce in size or quantity, but prices remain unchanged, leading to effectively higher costs per unit.
Skimflation Insight: Some products may have reduced quality or fewer ingredients, offering less value for the same price.
Consumer Response: Use unit pricing for more informed purchasing decisions and consider paring back on non-essential items.
Financial Wisdom: Evaluate product necessity and embrace contentment as part of smart financial stewardship.
Brand Loyalty’s Cost: Recognizing the potential financial impact of sticking to familiar brands without considering alternatives.

Notable Quotes:

"I think we've got a little bit of nostalgia, but I do think packaging is generally a little bit smaller these days."
"Inflation is not necessarily a bad thing. The cost of things go up, people's wages go up."
"The company didn’t promise you that that block of family-sized chocolate was always going to be 250 grams." - Pete Burrows
"It sounds like these really caring companies out there are trying to encourage me to do that." - Ben McEachen
"Smaller isn't cheaper really. That's probably what we're going to get." - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

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Win a copy of the book by Gemma Mitchell here:
Hope1032's Win Page

Head to the previous episode in this pod to have a listen to Gemma share wisdom from the book.

If you want to purchase a copy for you and your family (GREAT CHRISTMAS GIFT, just sayin') head to Amazon Australia here!

Hurry competition closes 5th November 2025!!

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Gemma Mitchell is a seasoned financial advisor and the author of The Money Reset. With over 15 years of experience in the financial industry, Gemma has transitioned from traditional financial advising to managing a team of advisors while focusing on large-scale educational initiatives. These include corporate workshops, podcasts, and writing. Her mission is to make financial advice more accessible and to help individuals in difficult life transitions take control of their financial future. Gemma is also a co-host of the Australian Finance Podcast, where she shares insights into financial management and planning.

Key Takeaways:

Personalized Financial Strategies: Gemma emphasizes the importance of tailoring financial plans to individual circumstances rather than relying on one-size-fits-all solutions.
The Power of Awareness: Knowing your starting line and acknowledging financial realities are crucial steps toward effective money management and making informed decisions.
Emotional Aspects of Finance: Understanding and balancing the emotional aspects of financial decision-making can prevent overwhelm and encourage sound decisions.
The Importance of a Village: Surrounding yourself with a supportive network of advisors, mentors, and cheerleaders—the 'village'—is key to financial resilience.
Income Potential vs. Expense Cutting: Recognizing both the need to manage expenses and the potential to increase income can help stabilize finances during crises.

Notable Quotes:

"Just because you can do something, it doesn't mean you should." - Gemma Mitchell
"It's not about being perfect; it's just about making progress." - Gemma Mitchell
"You have to decide that you want things to change, so you're not stuck." - Gemma Mitchell
"Awareness is the most important thing, and you don't have to change everything overnight." - Gemma Mitchell
"Your village doesn't need to be big, it needs to be strong." - Gemma Mitchell

Resources:

Gemma Mitchell’s Book: "The Money Reset"
Australian Finance Podcast: Co-hosted by Gemma Mitchell
Money, Faith, and Finance Podcast: YouTube Channel

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Understanding Superannuation Basics: Learn about superannuation contributions, checking statements, and the various investment options available within Australia's retirement savings scheme.
Effective Financial Planning: Balancing between contributing to super and paying off a mortgage, gain clarity on managing fees and options, reinforcing the importance of consolidating accounts to save on unnecessary costs.
Yearly Checkup: Pete emphasizes the significance of annual financial check-ins to manage and maximize one’s superannuation benefits thoughtfully and responsibly.

Notable Quotes:

"Superannuation is basically just money for your retirement."
"If you haven’t checked your super statement, now is the time to verify your contributions and ensure your financial foundation is solid."
"Explore the potential of salary sacrifice; it’s about more than just paying yourself in the future."
"Think prudently and steward your money carefully; it’s about more than technical finance, it’s about planning for every season of life."
"Don’t jump out of your super fund just because of a bad year; consider the broader, long-term trajectory before making decisions."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Greed can often be disguised as ambition, and being aware of this is essential for maintaining financial and spiritual balance.
Participating in a self-assessment regarding greed can help clarify one's relationship with money and possessions.
Biblical references show a consistent message against greed, highlighting the importance of contentment and generosity.
Spiritualizing financial decisions without seeking divine guidance can lead to justifying greed.
Practicing generosity and seeking God's guidance in financial decisions are key components in overcoming the pitfalls of greed.

Notable Quotes:

"Greed is probably wanting more and pursuing more at a really selfish, intense kind of way than what we need or deserve." - Pete Burrows
"If you're living in the light of Jesus, be free from the love of money, for God has said, 'I will never leave you or forsake you.'" - Ben McEachen
"I always think, my wife always says to me, you've got to hold things lightly." - Pete Burrows
"Watch out, be on guard against all greed. Because one's life is not in the abundance of his possessions." - From the Bible, Luke Chapter 12
"Does it benefit you if you've got all those possessions in the world, but there's nothing in your heart?" - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Separate Finances: It's crucial for tradies to distinguish between personal and business finances to maintain clarity and manage liabilities effectively.
Do Your Admin: Staying on top of paperwork and administrative tasks can save a lot of stress and potential legal complications down the road.
Know Your Worth: Tradies should confidently set fair prices that reflect their skills, experience, and the true cost of operating a business.
Building a Team: Having a supportive network, including professionals like accountants and mentors, is invaluable for self-employed individuals.
Christian Ethics in Trades: Practicing integrity and valuing customer relationships is emphasized, highlighting how faith can influence professional conduct.

Notable Quotes:

"What is not boring is making money and staying out of jail."
"Don't be afraid to charge what you're worth."
"We need to reflect all the costs and recognize the value we provide."
"I think we're called to a higher standard."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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So, Ben forgot to get Pete to stay around in the studio to let you know that... SEASON 9 drops on Wednesday, October 1, 2025. Huge, right?!?!?!?! Can't wait for you to hear what is in store, and Ben gives you a sneak peak. What do Tradie Tips, Ultimate Super answers, and a test for greed have in common? Find out.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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In August, the RBA cut interest rates by 0.25 percentage points to 3.6 per cent.

While interest rates may have dipped, mortgage stress and housing affordability remain front-page issues in 2025.

Oldie But a Goldie - Dive into this episode from Season 3 to unpack what rate changes always mean for your home loan and budget. At the time of first recording, the Reserve Bank of Australia was in all sorts of scrutiny. Pete was able to map out where we are at in the history of interest rates. Ben wondered if Australia has any other weapons for fighting inflation. What debt should you try to get on top of first?

Pete provides strategies for you to immediately tackle the costs of borrowed money.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Ben chimes in to thank different members of the Facebook Group!

Specal shoutout to Shane, Stephen and Will - thankyou for adding value in the FB group!

Please send us suggestions / questions / topics for SEASON NINE!

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Hidden costs are prevalent across various transactions but can often be minimised by thoroughly reviewing terms and engaging in informed decision-making.
The RBA's reviewed stance on credit card surcharges could significantly impact consumer savings in Australia, potentially changing how payments are processed.
Financial literacy involves more than understanding visible expenses; it's crucial to delve into the fine print to uncover potential hidden fees.
Real-world examples, such as fees associated with property transactions or subscriptions, highlight the necessity of awareness around potential 'break fees.'
Biblical principles, like honesty and foresight, provide valuable ethical guidelines on managing financial transactions and understanding costs involved in purchases.

Notable Quotes:

"There's a hidden charge just to spend money." - Pete Burrows
"We read the quote, but we pay on the bill." - Pete Burrows
"Understand, nothing is really free. It's just a question of who's paying the cost." - Pete Burrows
"Future you will thank you though. Like you need to do the work, we need to look for the savings." - Pete Burrows
"We want the thing, but we don't understand everything beforehand." - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Faith vs. Finance: The episode explores the potential conflict between staying true to one's faith and the financial temptations that professional contracts might present.
Navigating Workplace Ethics: It highlights the subtle and explicit ways in which employment can impact or challenge personal beliefs and values.
Professional Athletes and Faith: Neymar’s contract scenario underscores how high-profile individuals navigate faith publicly and what ethical dilemmas may arise.
Faith Expression in Jobs: Listeners are prompted to reflect on the personal and professional boundaries they encounter in their own workplaces.
Community Insights: A call is made for listeners to share their experiences in the Money, Faith and Finance Facebook group, promoting a collaborative dialogue.

Notable Quotes:

"I'd like to think I couldn't be bought and I couldn't be sold." - Pete Burrows
"What is the difference between propaganda and just living out your faith or stating your faith?" - Pete Burrows
"Boxing is great, but God cleans my soul." - Ben McEachen, quoting Oleksandr Usyk (click on link)
"Have you prioritised the money over, living out your Christian faith?" - Ben McEachen
"Am I being challenged in my faith and what's my response to that challenge?" - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Love to hear your thoughts, views, comments or concerns about our latest topic - What lessons you have taught your kids about money. What did your folks teach you? What lessons have you learned from others? What questions do you have? What works? What has not worked?

Comment in Spotify, drop us a text or join the Money Faith & Finance group on Facebook here: https://www.facebook.com/share/g/1AyqE24m52/

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Should you burden your maturing youngin' on how you make your money work for your household? Should you spell it out for them, so they understand how the adults in the household have sacrificed for their wellbeing as well as the comforts in life which they enjoy? Or should you let them enjoy life, and live a carefree unencumbered life because after all, they've got a whole lotta years of adulting to enjoy?

Key Takeaways:

It's crucial for children to learn about money early on, including budgeting, saving, and investing.
Transitioning from cash to digital transactions presents challenges in teaching kids about the value of money.
Encouraging children to work part-time can provide valuable financial skills and experiences.
Understanding new financial tools such as Afterpay and digital banking is essential for today's youth.
Engaging in open, non-judgmental conversations about finances can help mitigate money-related mistakes.

Notable Quotes:

"One out of one people in the world need to understand and deal with money." — Pete Burrows
"The earlier you can start [financial education], the better." — Pete Burrows
"It's a good idea to set up bank accounts for kids to teach them about saving and spending." — Pete Burrows
"Mistakes are your best resource because you can learn from them." — Pete Burrows
"You want to keep open conversations… lean into [money] learning opportunities." — Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Ben and Pete discuss effective ways to save for retirement. They discuss the importance of superannuation, the potential and pitfalls of property investment, and the simplicity of ETFs. They also cover the security of term deposits and the passion behind side hustles. Pete shares strategies for both young and seasoned investors. Whether you're planning for retirement or adapting to financial shifts, this episode offers valuable guidance on securing your financial future.

Key Takeaways:

Superannuation remains a critical yet often misunderstood element of retirement planning, with opportunities for voluntary contributions and strategic fund selection.
Property investment offers traditional value but comes with hefty transaction costs and market volatility considerations, demanding careful timing and planning.
Exchange-Traded Funds (ETFs) provide accessible options for diversification in investment portfolios, appealing especially to younger investors with limited capital.
Term deposits present a conservative, low-risk savings method, ideal for preserving funds against inflation although lacking growth potential.
Side hustles can be rewarding hobbies or potential new career pathways, but require realistic expectations about their financial contribution to retirement plans.

Notable Quotes:

"It's not the quantity of things in your life, it's the quality of things in your life that is important." – Pete Burrows on retirement focus.
"Our financial setup now is our reality. You have to start from there." – Pete Burrows on assessing current financial resources.
"People are very busy, you know, busy lives. I'm looking for achievable next steps." – Pete Burrows on investing in ETFs.
"You learn the most from your mistakes." – Pete Burrows on financial learning and experience.
"We can't take it with us. I haven't seen a client yet that's been able to tuck their money into their coffin." – Pete Burrows on the importance of quality versus quantity in life.

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Join Ben and Pete as they unpack the role of contentment in financial well-being. Drawing on biblical wisdom from Philippians and Timothy, they explore how mindset shapes money habits. From embracing simple joys to budgeting well on a modest income, this chat shows how true contentment can reduce spending and increase gratitude.

Key Takeaways:

Contentment as a Choice: Contentment involves shifting focus from accumulating more to appreciating what you already possess.
Financial Mindfulness: Establishing a budget and regularly reviewing it can help identify areas of financial dissatisfaction and guide towards contentment.
Value Experiences Over Possessions: Emphasize enjoying experiences rather than acquiring material goods to foster financial well-being.
Scriptural Guidance: Biblical passages, such as those found in Philippians 4 and 1 Timothy 6, offer timeless insights on achieving contentment.
Generosity and Stewardship: Being a good steward of your resources includes the willingness to give and lose money gracefully, which cultivates contentment.

Notable Quotes:

"If you're not content, you're always going to want more." – Pete Burrows
"Part of contentment is going, this money isn't mine, I'm a steward of it." – Pete Burrows
"People don't enjoy money; they enjoy moments." – Pete Burrows
"We have a television that…I like the fact that we're happy with that situation because…it saves us money." – Ben McEachen
"Being content isn't about your contents; it's more about the vibe of having enough." – Pete Burrows

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Ben and Pete explore the true costs of owning a car, from financing and depreciation to fuel, maintenance, and tax. They compare buying new versus used and unpack Aussie car trends, road safety, and environmental impacts. Pete also reflects on financial contentment and how our choices shape our lives.

Key Takeaways:

Consider comprehensive costs of car ownership, from purchase to maintenance and eventual resale or trade-in value.
Weigh the benefits of new versus used cars, especially in light of recent economic changes affecting vehicle markets.
Analyze personal needs versus wants when determining the necessity of a first or second car.
Explore alternative transportation methods and consider them in the broader context of personal finance strategies.
Contentment and financial peace are key in making thoughtful decisions that align with personal values and current financial capabilities.

Notable Quotes:

“The cost of owning a car is not just about the purchase price; it includes registration, insurance, fuel, repairs, and depreciation.” - Pete Burrows
“We had the finances available to buy the car without taking a loan, which made the new car option more appealing.” - Ben McEachen
“You can't forget the full cost of ownership of a car. It's not just the running costs; it's what you're going to lose when you trade it in or sell it.” - Pete Burrows
“Many people overlook the financing and opportunity cost of what they could have done with the money spent on a car.” - Pete Burrows
“In Australia, we are still a relatively car-obsessed country, often overlooking our beliefs and values when it comes to purchasing vehicles.” - Ben McEachen

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Will Ben be convinced by the building metaphor that Pete is workshopping? See what you make of constructing your finances one block at a time. Consider the consequences for greed and legacy when you stack up "savings bricks".

Key Takeaways:

Savings Bricks Concept: Visualising savings goals as "bricks" to build a wealth wall can help break down daunting financial objectives into smaller, more manageable pieces.
Building Habits: Establishing regular savings habits is essential, even if contributions are small. Consistency over time can lead to significant financial achievements.
Diverse Strategies: Savings can include various approaches – from reducing debt, to investing in shares – to support overall financial health.
Avoiding Greed: Maintaining a balanced view of finances ensures that the goal of wealth-building doesn't overshadow other life priorities and values.
Financial Legacy: A legacy isn't built overnight but through the accumulation of strategic financial decisions and savings over a lifetime.

Notable Quotes:

"Think of your wealth as a wall that's built with bricks, with each brick contributing to your financial goal."
"Smaller targets are more motivating and more realistic sometimes, building momentum towards larger goals."
"The danger is if it's too much of your focus, it starts overshadowing other important aspects of your life."
"A legacy doesn't start the day you leave it. It's built over a longer period of time with habits and discipline."
"It's better to give to your kids with a warm hand than a cold hand."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Joni asked Pete and Ben to get stuck into the family affair of working out if your kids with jobs need to stump up. So they did, diving deeper than their kneejerk response of "YES". Growing up with the expectation of paying board, Pete and Ben acknowledge the changed landscape of home ownership and accessibility. But the life lesson of paying board remains, as well as the opportunity to live out biblical principles of respect.

Key Takeaways:

Financial Responsibility: Charging board teaches young adults to manage finances and prepares them for independent living.
Family Dynamics: Open communication about finances and responsibilities can reduce tension and foster understanding among family members.
Economic Landscape: Rising costs of living and rental rates contribute to adult children staying home longer.
Adapting Traditions: Modern families may need to adjust traditional approaches to rent and board, weighing financial necessity against educational opportunity.
Value-Based Discussions: Families can leverage biblical principles, such as honouring parents, to guide discussions about board.

Notable Quotes:

"Shouldn't they, in a sense, contribute to the cost of the house? And I think the answer is yes." – Pete Burrows
"In adulthood, spoiler alert, you're going to cop 100% of the cost of living." – Pete Burrows
"We're trying to prepare you for adulthood. And in adulthood…you need to pay a percentage of those costs." – Pete Burrows
"Is it more about while you're here, we're trying to teach you a lesson?" – Ben McEachen

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

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Key Takeaways:

Micro-giving Explained: The concept involves making small, yet frequent, charitable donations that collectively make a significant impact.
Balance Giving Priorities: We are encouraged to assess whether to direct funds to our churches or to immediate relief efforts, reflecting broader spiritual and community priorities.
Create a Giving Portfolio: Similar to investment diversification, this strategy helps allocate donations across numerous causes to maximize impact.
Practicality Over Size: Intention behind any contribution is more important than the donation amount, as small, consistent gifts can culminate in substantial aid.
Spiritual and Social Impact: Micro-giving is a method to engage more deeply with faith-driven generosity while addressing pressing societal challenges.

Notable Quotes:

"You know, we allocate costs for our living. Why can't we allocate costs for our giving?" – Pete Burrows.
"Micro-giving could be a way of thinking; if a lot of people gave a little bit, that's better than less people giving a lot." – Pete Burrows.
"There are charities, people less fortunate than us, that need our help and they need our money." – Pete Burrows.

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Season 8! And you thought Season 7 was the top of the mountain. Get ready to level-up with your favourite account Pete Burrows and his sidekick Ben, as they continue to help our finances from a faith-filled perspective.

Just in time for Tax Returns 2025, Pete gets stuck into what we need to know this year, how to work out what to claim, and why no-one should be "lax with tax".

Key Takeaways:

Avoid filing taxes too early before receiving finalised financial documents.
Understand what is tax-deductible and what isn’t; use resources or consult an accountant to clarify doubts.
Be aware of proposed changes to superannuation tax policies and how they might affect balances over $3 million.
Consider the implications of potential HECS reductions and plan accordingly.
Engage thoughtfully with your financial decisions, whether it be tax, savings, or tithing, ensuring they align with your broader spiritual and personal goals.

Notable Quotes:

"Don't be lax with your tax." – Pete Burrows
"Tax happens every year; it's refreshingly familiar, like Christmas." – Pete Burrows
"If the information is incorrect, you might need to lodge an amendment later." – Pete Burrows
"Most people can always find something they've spent for their job." – Pete Burrows
"Think of tax as the price we pay for the society that we want." – Pete Burrows

Resources:

https://www.ato.gov.au/individuals-and-families/income-deductions-offsets-and-records/deductions-you-can-claim/occupation-and-industry-specific-guides

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Thanks for being part of the Money: Faith & Finance movement.

Next season we're diving into these topics:

Exploring Legacy, Financial Sacrifice, and Community Support
Tax Time Tips and Changes in Australia
Should Adult Children Pay Board While Living at Home??
Exploring Car Costs and Environmental Impact

Got a question for the Money Men? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

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Overtime. We all do it. Many of us don't get paid extra for it.So, should you do any? What about the RIGHT TO DISCONNECT??

What are reasonable expectations for salary employees, wage workers, and business owners? Pete and Ben consider this prickly aspect of earning as living costs rise.

Got a question for the Money Men? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Cozy Fizz Explained: Or how the rising cost of living impacts luxury items and discretionary spending.

Wants vs Needs: Working out what is essential.

Economic Pressures: Small businesses, particularly in niche markets, must consider the particular sting of inflation and other financial factors.

Strategic Spending: Tips for managing finances by balancing quality purchases with affordability and necessity.

Notable Quotes:

"The more money you spend on vanity, the less money you've got to spend on humanity." - Pete Burrows

"It doesn’t cost that much more to make a fancy handbag. It’s just the name on it." - Pete Burrows

"Everybody wants to get something that’s a bit different, a bit unusual, and that comes out in people’s drinking tastes." - Pete Burrows

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Before we get to Season 8, here's an oldie but a goodie from Season 3. In case you missed it...

A lot of us don't like to talk about money and church. But that's not Ben and Pete. They dive headlong into the biblical (yet divisive) universe of giving to your local church. The angle they take is not what you expect. The offerings they bring, though, are right up your alley because Ben and Pete discuss how you can give AND why.

Share this with your church family to help you wrestle with the methods and motivations for financially supporting your church.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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About Our Guests:

The Bottle Kids - Colette, along with her children Romario, Valentina, Giovanni, and Isabella, share their inspiring journey of entrepreneurship and philanthropy. The family has gained recognition for their innovative approach to recycling through the Return and Earn scheme, which has been lauded by Keep Australia Beautiful, The Sunday Telegraph, and their local community. See them channel their inner Barefoot Investor as they explain what they did together to be able to save, spend and give!

Key Takeaways:

Everyone, and we mean EVERYONE, can give back from the portion that they have.
The pride in a parent’s heart, seeing their children succeed at any stage of life, is good for the soul of the parent (and the kids!).
Raise your kids to be confident with money.
Celebrate the small and big things in life.

Notable Quotes:

"It actually just feels so good to be able to do something with that gratitude." — Colette
"Because like, we've taken all the bottles." — Giovanni
"Once we get a lot of money to donate, we all pick a place to donate it to." — Romario
"You'll never know what you're capable of until you try." — Colette

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Did you see this? The Australian Financial Review presented an attention-grabbing overview of the struggle between spending on a wedding and spending on a house deposit. Pete and Ben take this stark contrast in financial priorities and discuss what should we do when major events and moments compete. Beyond the wedding/house deposit scenario, are we also considering the value of what the wedding is all about – the marriage being entered into?

Key Takeaways:

Aim to spend within your means on a wedding, avoiding loans whenever possible, to ensure financial stability.
Wedding expenses can divert funds from other major investments such as home deposits.
Managing your own competing aspirations requires balance and planning.
While wedding costs will rise, alternatives such as simpler ceremonies and weekday weddings offer budget-friendly options.
Investing in marriage and relationships is as crucial as investing in property, encouraging thoughtful prioritisation.

Notable Quotes:

"I think you've got to spend what you're comfortable with." – Pete Burrows
"Life is compromises. If two things seem expensive… maybe the wedding will seem like the thing that has to go by the wayside." – Pete Burrows
"Invest in your marriage first and invest in other stuff after that." – Ben McEachen
"There's nothing wrong with being upfront about what everybody can contribute to [the wedding]." – Pete Burrows

READ MORE: "Couples are dumping their wedding plans to buy this instead" by Lucy Dean, The Australian Financial Review

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Reconsider the significance of Easter in your financial planning, much like how you budget for Christmas.
Explore ways to celebrate Easter meaningfully with lunches or dinners, involving family and friends.
Consider alternatives to Easter spending, like creating your own decorations or planning holidays well in advance to save money.
Reflect on Easter as a time to relax and unite with family, focusing on the significance of Jesus rather than just the commercial aspect.
Engage with community and bring others into traditional celebrations, especially those who might be alone at Easter.

Notable Quotes:

"It's not about the flavour, it's about the saviour."
"I reckon it should be less about the bunny, more about the money."
"Show me the heart. It's relax and reflect, not just spend money."
"Easter is the new Christmas. That's what I'm hearing."
"We [can] love what it represents about what Jesus did for us on the cross."

Join the Money: Faith and Finance Group on Facebook here!

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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MEET OUR GUEST: Roger Montgomery has more than three decades of experience in funds management, equities analysis, trading, and stockbroking. He is the founder of Montgomery Investment Management, a boutique Australian investment firm catering to individuals, families, and their advisors. Roger is also the author of "Value.Able," a guidebook for the stock market aimed at successful investing for the next generation. Beyond his professional endeavors, Roger regularly appears on ABC Radio, ABC TV, The Australian and AusBiz.

Key Takeaways:

Alternative investments, like private credit, can provide attractive returns with manageable risks when thoroughly researched.
Understanding your risk tolerance and diversifying investments can lead to financial growth while minimising stress.
Private credit is emerging as a new asset class that could complement traditional investments in providing consistent income, especially for retirees.
Informed decision-making, aided by expert guidance and due diligence, is crucial in navigating the realm of alternative investments.

Notable Quotes:

"I do believe that our conscience is God's voice and that will ultimately determine the choices that you make." - Roger Montgomery
"Not to be scared. Seek advice if you don't know enough or do a lot of due diligence." - Roger Montgomery

Resources:

More about Roger Montgomery: rogermontgomery.com
Montgomery Investment Management: montinvest.com
Roger's book: Value.Able (A guide for stock market investment)

Join the Money: Faith and Finance Group on Facebook here!

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Want quick, relevant advice for every stage of your life? Fantastic. You've come to the right place, as Ben and Pete ask seasoned finance expert Roger Montgomery to share his top tips for success. Broken down into different ages, Roger's No. 1 suggestions is a rapid-fire list you can instantly act upon. PLUS: Roger reveals how Jesus specifically shapes the core of his approach to money.

Key Takeaways:

Roger Montgomery shares life-stage-specific financial advice, emphasising a balanced approach to risk and reward, especially when young.
Roger strongly believes successful investment is about treating stocks as parts of businesses, not as "gambling" entities.
The Parable of the Talents inspires Roger’s professional approach, underlining stewardship and ethical responsibility in wealth management.
Roger encourages Christians in finance to be open about their faith, asserting many in the industry share similar values.

Notable Quotes:

"My job is to read very specific things… to understand what [they] mean in terms of what the value of the business [is] doing."
"Don't play it too safe when you're in your 20s; have a go."
"You're still going to need growth. You're still going to need to invest in things that are going to go up in value."
"The moment I think I became a Christian… I just thought, that's a community that I want to be a part of. That's very different to the world I live in."
"The assumption is that people who work in finance aren't Christians [but] there's a huge number of Christian people in my industry."

Resources:

More about Roger Montgomery: rogermontgomery.com
Montgomery Investment Management: montinvest.com
Roger's book: Value.Able (A guide for stock market investment)

Join the Money: Faith and Finance Group on Facebook here!

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Hope Breakfast co-host Danniebelle Whippy returns to the podcast to discuss her own experience of many generations living under the one roof. Danniebelle gets personal about how her family shares costs, plans and financial strains. With housing affordability being an ongoing issue in Australia, Danniebelle presents the best and not-so-best of households which open their doors to more family members (or friends).

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Have you asked any financial questions this week? So hard to get good, reliable answers. Right? If only we had a reliable source... Ah, yes! Pete Burrows!

In this ep, Pete discusses the value of adult kids paying board, strategies for turning side hustles into full-time ventures, and tips for teaching kids about saving. We also unpack the real implications of terms such as "strong economy" and Pete clarifies common tax misconceptions.

Whether you're considering a second job, deciding between saving or paying off loans, or contemplating higher education, Pete Burrows answers all your burning questions!

Key Takeaways:

Charging board to adult kids teaches them responsibility and prepares them for financial independence.
To encourage children's saving habits, establish bank accounts with incentives for regular deposits and minimal withdrawals.
Turning a side hustle into a full-time venture requires timing, family support, and financial planning. HINT: there is no "perfect" time to start a business.
Understanding economic terms such as "strong economy" can empower personal financial confidence and decision-making.
Evaluating university education against workforce entry and employer-supported studies requires assessing personal career goals and financial circumstances.

Notable Quotes:

"My answer is 'Yes, people, yes, one thousand times yes' [to asking adult children to pay board]." - Pete Burrows
"Put money into [the bank account] and then try not to take it out." - Pete Burrows
"There's no unicorn day of the year that you go, 'You know, it's quiet yet there's willing customers out there…'" - Pete Burrows
"A strong economy might not necessarily mean everybody's better off, but they want more people to be better off." - Pete Burrows
"A question that is not acted upon is just a thought bubble." - Pete Burrows

Join the Money: Faith and Finance Group on Facebook here!

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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OK, try this on for size: are we devoted to what we buy? Does what we spend on demonstrate something about what we prioritise, value and – wait for it – worship?

Hope Mornings Ben McEachen and "everyone's favourite accountant" Pete Burrows challenge us all, including themselves, to do an important audit. Are we in any danger of our lives being owned by what we buy?

Join the Money: Faith and Finance Group on Facebook here!

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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Join Ben and Pete on the 7th season of Money: Faith and Finance as they explore strategies for building wealth across various life stages. With insights into managing HECS debt, the importance of superannuation, and investing when young, they address financial challenges which we all confront. They discuss how lifelong financial habits shape wealth and consider the balance of current and future financial planning.

Key Takeaways:

Focus on your current financial circumstances but always consider future implications.
Younger individuals may have fewer overheads, allowing for more risk in investments.
Superannuation might seem dull, but it’s a crucial component of a secure retirement plan.
It’s never too late to develop sustainable financial habits — start small and grow.
Financial decisions should ultimately serve your desired lifestyle and values, including the capacity to be generous.

Notable Quotes:

"The good and bad thing about money is every day is a chance to get it right and a chance to stuff it up."
"You can make decisions today, and the best ones put in building blocks for 'Future You'."
"It's never too late [even] if you're older."
"Pick something, build it, stick with it — every decade has its vibe."
"Superannuation is not something you should sleep on. Having a good retirement isn't boring."

Resources

2024 Woman Financial Planner of the Year Michelle Stone on podcast She Wasn't Born Yesterday - Listen here

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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Key Takeaways:

Christians, like everyone, face daily financial struggles due to inherent human imperfection.
Financial accountability and transparency are crucial for churches and organizations to maintain trust and compliance.
Personal financial management can be improved through humility, seeking advice, and being open to mentorship.
Overcoming fear of perceived greed is necessary to achieve effective financial stewardship.
Practical tools like financial software and accountability partners can aid in better budget management and fiscal responsibility.

Notable Quotes:

"Explaining is better because it's more grounded in facts and there's less judgment." - Pete Burrows
"Money by itself isn't evil, it's probably more the love of money and the pursuit of it." - Pete Burrows
"Need isn't greed. Needing to be concerned with money does not mean you're greedy with money." - Pete Burrows
"Better questions get better answers." - Pete Burrows
"Good accounting isn’t just about debits and credits; it's about trust." - Pete Burrows

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Retirement planning should begin as early as possible, ideally 20 years in advance, to maximize compounding interest and financial security.
Financial guidelines suggest retiring with an income of half to two-thirds of one's working salary to maintain a comfortable lifestyle.
Superannuation in Australia is a foundational retirement saving tool, but additional voluntary contributions are recommended for comprehensive coverage.
Housing remains a significant consideration in retirement planning—whether to own, rent, or move in with family can notably impact one’s financial landscape.
A fulfilling retirement is characterized less by financial wealth and more by meaningful activities, relationships, and contributions to the community.

Notable Quotes:

"There's a big difference between retiring rich and having a rich retirement." - Pete Burrows
"Start with an amount that is manageable for where you're at now." - Pete Burrows
"It's about having a full life and interests… not just spending money and having a lavish lifestyle." - Pete Burrows
"Get your house in order." - Pete Burrows
"More money just brings you more choices; it doesn’t necessarily make your life better." - Pete Burrow

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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One of the top episodes in time past! It's a cracker and would love you to consider tithing in 2025. Should we even do it? We already give a huge chunk of our pay to tax, 10% to GST and another 10% to ...God?

Key Takeaways:

Understanding Tithing: Tithing originates from a Hebrew word meaning "one tenth," often interpreted in religious contexts as giving 10% of one's income or assets.
Historical vs. Modern Practice: While traditionally a biblical mandate, particularly under Old Testament law, the necessity of tithing for modern Christians is debatable.
The Heart of Giving: The discussion emphasized giving one's first and best to God, underscoring a priority-based approach to financial generosity.
Practical Implications: Insights were provided on how tithing can be a useful discipline but not necessarily a compulsory act, reflecting a personal choice aligned with one's financial capability and spiritual commitment.
Inspirational Examples: Rick Warren's example of incrementally increasing his tithe each year showcases a commitment to giving that evolves with one’s financial and spiritual growth.

Notable Quotes:

"It takes money to make things happen, you know, and I think we say with our mouths that we're Christians, but like, you know, I always say to clients, well, would you be willing to put your money into that?" – Pete Burrows
"It's not just first for God, it's best." – Ben McEachen
"I think it needs to come from your heart and be sincere." – Pete Burrows
"It is an element of us coming towards God and showing God how serious we are by the fact we are making that offering." – Pete Burrows
"Tithing, not tiring." – Pete Burrows

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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A replay from the archives but the advice given still is so relevant in 2025!

Glen James from My Millennial Money (now Money Money Money) shares on personal finance and life values, focusing on millennial money management, the impact of social media, and career advancement tips from Glen's book Sort Your Career Out.

Discover why aligning financial habits with your core beliefs can lead to prosperity, and learn practical advice on consumer debt, spending wisely, and investing in yourself.

Key Takeaways:

Value-Driven Finance: Financial decisions should align with personal values, integrating moral and ethical considerations into financial planning.
Invest in Yourself First: The best investment you can make is in your career; optimizing personal skills and professional growth can lead to substantial financial benefits.
Pragmatic Risk-Taking: Learning how to identify and execute good career risks can significantly enhance your financial trajectory.
Beware of Consumer Debt: Making informed choices about debt can prevent financial strain and promote future financial prosperity.

Notable Quotes:

"I'm a pragmatist by nature. I'm a realist."
"To be relevant, you need to know who you're talking to."
"The more that I can invest for future me is the more I'm transferring my human capital into future investments."
"A lot of the things that I do is just encourage people with the plan they're on."

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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Key Takeaways:

Generosity's Broader Impact: Giving is not just about finances; it encompasses time, effort, and resources, enriching both giver and receiver.
Cultural Reluctance: There is often stigma associated with asking for help, particularly financially, which can prevent people from seeking support.
Financial and Spiritual Interplay: Act of giving aligns with core biblical teachings, fostering spiritual growth and community connection.
Return on Intent: The benefits of giving lie in its intentions and the unexpected blessings that come, not just in financial returns.
Reflective Practice: Embrace giving as a way to learn about humility, connection, and the shared human experience.

Notable Quotes:

"I think it has to encompass everything... People don't just give their money; they give their time, their resources, their energy." - Pete Burrows
"It is more blessed to give than to receive. That almost suggests that you should expect there to be Blessing coming back." - Ben McEachen
"It's okay to hope also means you can ask for help." - Pete Burrows
"True givings and true blessings often are long and could be potentially costly and painful." - Pete Burrows
"ROI - Return on intent, not return on investment. That is a very neat summary of this." - Ben McEachen

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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Wow. Turns out you might have lost treasure (ie, money) and you didn't know. Good thing "Pirate" Pete Burrows and first mate Ben McEachen are here to help you find your forgotten funds.

Key Takeaways:

Individuals often lose track of finances due to outdated personal information and inattention to accounts such as superannuation, resulting in billions of unclaimed dollars.
The Australian Securities and Investments Commission (ASIC) provides tools like MoneySmart.gov.au to assist in reclaiming lost financial assets.
Proactive life admin, including regular updates to personal details and account management, is crucial in preventing misplaced finances.
Government initiatives and resources exist to help reunite lost funds with their rightful owners, benefiting both the individuals and the economy as a whole.
Financial management isn’t passive; individuals must actively engage with and maintain awareness of their financial situations.

Notable Quotes:

"No one's going to be your PA! You have to do your life admin." - Pete Burrows
"The government does want to reunite us with our money." - Pete Burrows
"Where was the last place you put it? Go back there." - Pete Burrows
"Have I gone through every super account I've ever had?" - Ben McEachen
"It's easier to find a place for something you have rather than search for something you've lost." - Pete Burrows

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Joining us again is financial planner Hamish Ferguson, founder and director of Vison Newcastle. Hamish and Money's chief accountant Pete Burrows are often approached for financial assistance that the other profession provides. Given how popular and prominent accountants and financial planners are, Pete and Hamish set the record straight in this episode. They discuss similarities between accountants and financial planners, the main differences, and the benefit to you when you decide who you need.

Previous Ep featuring Hamish - What is a Good Financial Planner?

Key Takeaways:

The intersection between financial planners and accountants involves overlapping functions but distinct responsibilities which require specialised expertise.
Ethical considerations, such as risk-return balance and truthful tax deductions, are crucial in both financial planning and accounting.
Times of increased financial anxiety, such as during COVID pandemic, highlight the need for professional financial guidance.
Clients often benefit when accountants and financial planners collaborate, leading to more effective long-term financial strategies.
Retirement planning questions are common, emphasising the need for clear understanding and planning decades earlier.

Notable Quotes:

"The relationship between a good planner and accountant [is] one plus one can equal three." - Pete Burrows
"Everyone wants the return, but nobody wants the risk." - Hamish Ferguson
"Managing that whole risk-return relationship is very important." - Hamish Ferguson
"Don't be afraid to engage a professional but understand why you need them and how far they can help you." - Peter Burrows

Resources:

Vision Property & Finance: Vision Property & Finance
Money Smart Website: Money Smart Website

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Ben and Pete dive into the world of financial toolkits, discussing essential elements including budgeting and building a supportive team of financial advisors. They explore how your toolkit can evolve with life stages and personal preferences, emphasising the importance of distinguishing between tools and toys in financial planning.

Key Takeaways:

A financial toolkit is personalised and should evolve as one progresses through different life stages.
Budgeting is foundational—understanding and managing expenses is crucial for financial stability.
Building a supportive network of financial professionals and informed individuals can vastly improve financial decision-making.
The difference between tools and toys in financial management is key to optimising your strategy.
Integrating biblical principles and wisdom can guide financial choices, aligning them with broader life goals.

Notable Quotes:

"Financial toolkit is more than just a sound bite. It's your little grab bag. It's your little go-to of how to get things done." - Pete Burrows
"A budget should be ground zero. It's the thing you have to have in the toolkit." - Pete Burrows
"The application of biblical wisdom can shape how you view money and incorporate it into your financial toolkit." - Ben McEachen
"Know the difference between a tool and a toy when you're looking at your finances." - Pete Burrows

Helpful resource

Cost of Living Hub – NSW Government

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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What a question. Pete and Ben know how we all can wrestle with trusting God. When it comes to what we need and ask for, how much should we expect? Using our finances as an example of God's provision, Ben and Pete turn to the Bible, personal experiences and observed outcomes to examine the pointy end of reliance, faith and resources.

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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You are going to want to take notes. Pete provides plenty of ways to cut costs – by letting us know what we should be auditing every year (or more often).

Key Takeaways:

Annual financial checkups are essential for effective money management and should involve reviewing all expenses and bills.
Proactively asking for better prices or researching provider alternatives can lead to significant savings without sacrificing quality.
Understanding the importance of balancing time versus potential financial savings is crucial for effective personal finance management.
Creating a “financial toolkit” can help structure the processes needed to make informed financial decisions regularly.
Complacency can harm financial health; staying informed and active in challenging existing costs regularly is beneficial.

Notable Quotes:

"You can't correct it if you don't check it."
"If you care about where your money goes and what you're spending on, you should check your bills at least annually."
"A bit like going to the doctor, you're hopefully healthy and eating healthy [...] once a year you might go to the doctor and say, how am I really doing?"
"I've never seen anybody go, 'You know what, just for hanging around here's a discount.' You don't get anything without asking."
"You need to look at the bills, not just pay them."

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Ever been on hold with a call centre about a financial issue that you didn't create? When you finally get through, did things get better – or worse? Our special guest, influencer Jordana Brown ("That British Girl"), had a stressful situation with Centrelink that went viral. She tells Pete and Ben about trying to navigate bureaucracy, standing up for what's right and how faith and kindness improve terrible exchanges.

Jordana Brown is an influential social media personality known as "That British Girl" on platforms like Instagram, TikTok, and Facebook. Before becoming an influencer, Jordana worked extensively in the production field, spending over 15 years behind the camera in a major UK church. Jordana currently hosts the Morning Wake-up Show on Salt1065 on Australia’s Sunshine Coast.

Key Takeaways:

Jordana Brown's Journey: Discover how Jordana moved from behind the scenes in production to becoming a prominent influencer and radio host.
Navigating Bureaucracy: Learn about Jordana's challenging experience with Centrelink, highlighting the importance of perseverance and clarity in dealing with life admin.
The Role of Empathy: Maintaining politeness and empathy – even in frustrating circumstances – can lead to resolution and change.
Faith in Adversity: Explore how Jordana's Christian faith provided comfort and guidance during extensive struggles with public services.
Financial Awareness: Gain insights into overcoming emotional spending and the benefits of seeking professional financial advice.

Notable Quotes:

"I became an accidental influencer. I've always worked behind the camera and just started randomly creating videos."
"The one thing I'll have to say as an influencer—the amount of trolling I get – [but] I try to remember they are human as well."
"The older I get, the more I think I'm empathetic."
"From the responses from the video, it was kindness. So, yes, my takeaway is: Be kind."

Resources:

That British Girl on Instagram: @thejordanagrace

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Why do we pay tax? Should we? How much? The Bible instructs about tax? Welcome to the Tax Episode you have been waiting for and it's finally arrived. Applause.

Key Takeaways:

Taxes are the financial backbone which support essential government services such as schools, hospitals, and infrastructure.
The Australian tax system is progressive – higher-income earners pay proportionally more. This allocation of resources from those who can afford to contribute more can be viewed as a fair system.
Optimising tax payments through eligible deductions and exemptions is encouraged.
The distinction between high earners and rich individuals is crucial, particularly in discussions about tax equity and avoidance.
From a Christian perspective, paying taxes is viewed as a civic duty aligned with scriptural teachings which emphasise honesty and respect for governing authorities.

Notable Quotes:

"Taxes are the price we need to pay to live in the kind of world that we want." - Pete Burrows
"A fair amount is what's correct... calculated within the laws." - Pete Burrows
"I think tax is a privilege." - Pete Burrows
"The Bible strongly indicates that paying taxes is necessary, 'giving to Caesar what is Caesar's'." - Ben McEachen

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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We know. You can't hardly wait for Season 6. It will drop in November 2024! Before that, listen to this awesome episode from Season 1! To keep helping us to get the most out of our Christmas budget, Pete and Ben offered a tonne of top tips. Listen in again or for the first time to this early Christmas gift that keeps on giving.

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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Click here for the 'Smarter with Money' handout that you can use to help your household

Just like you and me, we've got burning questions to ask Pete so we could be one step closer to making sense out of the everyday money matters. We've cherry picked 10 questions (with one BONUS) for you. Press play now to hear Pete's "Smarter with Money" Q&A sesh.

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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Click here for the 'Smarter with Money' handout that you can use to help your household

In this bonus episode before Season 6 drops, Pete Burrows dives into practical money tips and traps. Press play now to hear Pete's "Smarter with Money" session from Pittwater Anglican, Sydney, this month. Pete covered the importance of budgeting, saving habits, and financial planning. He shared valuable insights on setting financial goals, managing expenses, and the benefits of early financial education.

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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In this episode, Ben and Pete are joined by Hayson and Nikki Lo, hosts of the Money Matrimony podcast. Hayson and Nikki share their own experience with navigating household finances, as they took time and effort to find a more united approach. They want to help other couples with communicating better about money matters.

Key Takeaways:

Open Communication: Regular, honest conversations about daily expenses and financial goals strengthen marital relationships.

Joint Accounts: Combining finances fosters transparency and shared responsibility, ensuring both partners are involved in financial decisions.

Importance of Contentment: Teaching children about contentment and gratitude, regardless of financial status, helps ground them in healthy financial principles.

Role of Faith: Understanding that all resources come from God and striving to be good stewards impacts how money is managed and prioritised.

Balancing Act: Regular assessment of goals is necessary as balancing career aspirations and family time remains a constant challenge.

Notable Quotes:

Hayson: "The way that you view money, the way that you view the language around money, it's so important that it's about 'we' and not 'I'."

Nikki: "We are focusing more on the relational side of it, because a lot of finance podcasts involve getting rich and finding financial freedom – which is important – but we want to emphasise not making money an idol."

Hayson: "Having good communication and honest communication, even about our financial mistakes, helps foster a healthier relationship."

Nikki: "It's also seeing the value in each other's contributions, whether financial or non-financial, to help bring about those important conversations and communications."

Hayson: "We want our kids to learn contentment, to be content whether they have a lot or a little, and to always be thankful to God."

Listen now to Money Matrimony with Hayson and Nikki.

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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Key Takeaways:

Cozy Fizz Explained: Or how the rising cost of living impacts luxury items and discretionary spending.

Wants vs Needs: Working out what is essential.

Economic Pressures: Small businesses, particularly in niche markets, must consider the particular sting of inflation and other financial factors.

Strategic Spending: Tips for managing finances by balancing quality purchases with affordability and necessity.

Notable Quotes:

"The more money you spend on vanity, the less money you've got to spend on humanity." - Pete Burrows

"It doesn’t cost that much more to make a fancy handbag. It’s just the name on it." - Pete Burrows

"Everybody wants to get something that’s a bit different, a bit unusual, and that comes out in people’s drinking tastes." - Pete Burrows

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Everything you need to know about starting out in stocks. Our special guest is Joe Youssef, Chief Investment Officer and Head of Distribution with Two Harbours Asset Management. You can learn more about Joe on LinkedIn.

Key Takeaways:

Understanding Shares: Shares represent ownership in a company. When private companies go public, they offer shares that anyone can buy, turning shareholders into partial owners.

Importance of Liquidity: The stock market offers liquidity, allowing investors to buy and sell shares quickly, unlike properties or term deposits which are less flexible.

Educational Emphasis: Joe Youssef stresses the importance of education in investing. Investors should thoroughly understand what they are investing in to make informed decisions.

Ethical Investing: Ethical investing is becoming increasingly prominent. Investors often choose not to invest in sectors like gambling, tobacco, or certain pharmaceuticals based on personal or religious beliefs.

Long-term Strategy: Effective investing requires patience and a long-term perspective. Joe highlights the need to weather short-term market fluctuations and focus on long-term growth.

Notable Quotes:

Joe Youssef: "The definition of true investment is to buy an asset with the view of holding it and letting it appreciate steadily over time."

Pete Burrows: "It’s a flexible way to make money… the very transparency of the share market is what scares people about it."

Joe Youssef: "Historically, no market has generated the most capital returns as well as income for investors than the stock market."

Joe Youssef: "Education is key and then have the patience to see that through."

Ben McEachen: "Should I align my faith with what I invest in?"

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We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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Key Takeaways:

Difference Between Redundancy and Retrenchment: Redundancy is a job role being removed. Retrenchment is more personal, related to your job performance.

Immediate Actions: If you are made redundant, start looking for new jobs ASAP, consult financial professionals, and consider budgeting your redundancy payment as a wage.

Tax: Understand the tax-free components of redundancy payments. Where possible, time redundancy to maximise tax benefits.

Psychological Impact: Redundancy can deeply affect your identity and emotional well-being. Seek support and aim to view it as an opportunity rather than judgment.

Financial Planning: Consider paying off high-interest debts, topping up superannuation, or investing redundancy payments to ensure financial stability.

Notable Quotes:

"Retrenchment is generally more specific to a person, while positions get made redundant." - Pete Burrows

"I've seen some clients get made redundant and then after some time, say it was the best thing that happened to them." - Pete Burrows

"It's important to think of redundancy payments as wages and not just spend it all at once." - Pete Burrows

"Redundancy seems more commonplace in recent times." - Ben McEachen

"It's nothing personal from your employer, and it also isn’t any kind of punishment or judgment by God. It’s a fact of life." - Pete Burrows

Join the Money: Faith and Finance Group on Facebook here!

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Faith and Generosity: Dannibelle underscores the impact of her generous upbringing on her financial philosophy, emphasizing that anytime she can be generous, she considers it a success.

Struggles in Sydney: Living in one of the most unaffordable cities, Dannibelle's narrative reveals the compounded stress of financial strain when coupled with family health issues.

Journey Through Darkness: Facing unemployment and depression, Dannibelle showcases the importance of seeking wise counsel, professional healthcare advice, and spiritual re-engagement to navigate dark periods.

Financial Faith: The episode highlights her shift from striving for financial security to trusting in God’s provision, leading to unexpected opportunities and financial stability.

Biblical Anchors: Dannibelle shares a powerful scripture, I Corinthians 10:13, which provided her comfort and resilience, reaffirming that God never pushes us beyond our limits.

Notable Quotes:

"It's easy to slip into the depths of the depression of it, but actually not letting yourself go there and turning to God's word..." – Dannibelle Whippy

"He’ll never let you be pushed past your limit. He’ll always be there to help you come through it." – Dannibelle Whippy

"I'm just gonna get my walk right with God... and things started to change in my financial state." – Dannibelle Whippy

"It's trusting in him that he will provide for you." – Dannibelle Whippy

Join the Money: Faith and Finance Group on Facebook here!

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

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Key Takeaways:

Budgeting: Create a budget and stick to it, ideally making it a rolling budget to keep track of your finances monthly.

Use Money-Saving Apps: Leverage apps to compare prices and save on essentials like fuel or groceries.

Pay Off Loans Strategically: Aim to pay off loans and bills more frequently to reduce interest.

Community Resources: Utilize free resources like libraries to save on entertainment and educational needs.

Sell Unused Items: Regularly declutter and sell items you no longer need to free up space and add to your savings.

Notable Quotes:

"Don’t spend more than you earn and actually have a budget." — Pete Burrows

"Convenience comes at a cost." — Ben McEachen

"Use an app that can help you save, like the petrol apps." — Ben McEachen

"It's free to ask. There is no downside to asking for a discount." — Pete Burrows

"Make your own lunch. Retail food can be quite expensive." — Pete Burrows

Join the Money: Faith and Finance Group on Facebook here!

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

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Do we really need a financial planner? How could anyone plan my money better than myself? They're charging a fee??! Joining us is financial planner Hamish Ferguson, founder and director of Vison Newcastle.

Key Takeaways:

Financial Planning's Core Value: Financial planners like Hamish Ferguson emphasize both technical skills and relational abilities to offer holistic financial guidance.
Client-Specific Solutions: Effective financial planning is highly personalized, addressing specific client goals and circumstances.
Early Engagement: Engaging with a financial planner early in life can set a strong financial foundation and mitigate future financial risks.
Fee Transparency: A good financial planner provides clear and upfront fee structures, ensuring clients understand the value and cost of services rendered.
Relational Skills Importance: Beyond technical expertise, the ability to build strong client relationships and communicate effectively is crucial in financial planning.

Notable Quotes:

"There are definitely clients that after the first meeting, I would say, look, I don't think you're quite ready for financial advice at this point in time." - Hamish Ferguson
"The goal is different to almost the tools we use. And what I typically say to people is, you know, the stock market property, super, our home, at times, they're all tools." - Hamish Ferguson
"It's not always about returns, it's about peace of mind and knowing that everything is right and you're on track." - Hamish Ferguson

Resources:

Vision Property & Finance: Vision Property & Finance
Money Smart Website: Money Smart Website

Join the Money: Faith and Finance Group on Facebook here!

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Past Ep - Making Housing More Affordable

Past Ep - The Blessing and Curse of Inheritance

Past Ep - Mastering Money Mindset: Balancing Logic and Emotion

Key Takeaways:

Changing Conversation on Housing: In Australia, perceptions and discussions have drastically changed, necessitating a new approach to homeownership versus renting.
"Rent money is dead money"????: Challenging long-held beliefs, renting can offer significant financial benefits, such as lower costs and greater flexibility.
Buying Costs: The interest part of mortgages is equivalent to 'dead money,' similar to rent, a reality many overlook when evaluating homeownership.
Investment Alternatives: With the high costs associated with buying property, exploring alternative investment options and savings strategies is crucial.
Future of Housing: The solution to the housing crisis lies in building more homes, rethinking government policies, and adapting to demographic changes and economic demands.

Notable Quotes:

Ben McEachen: "What has happened to the Australian dream of owning your own home?"
Pete Burrows: "Interest on your home loan is just the price of renting money off the bank."
Ben McEachen: "Renting was something you did as a stepping stone towards buying your own house. That's totally changed now."
Pete Burrows: "If parents were going to help you, it would have been to help you get into a house, but now we need to rethink our priorities."

Join the Money: Faith and Finance Group on Facebook here!

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

The importance of understanding the psychology of money and how early financial experiences impact adult behavior.
Logical financial management strategies versus emotion-driven spending, and the significance of budgeting and disciplined spending.
The role of Christians Against Poverty (CAP) in assisting individuals to navigate out of debt and build sustainable financial habits.
The profound sense of relief and emotional uplift that comes from financial independence and being debt-free.
Incorporating biblical principles into financial planning to promote long-term stability and generosity.

Notable Quotes:

Glenn Solway: "Severe discipline now is empathy with your future self."
Glenn Solway: "Money is a great servant, but a terrible master."
Glenn Solway: "I'm now more generous than I ever was because I can give out of the surplus."
Glenn Solway: "If I don't have the money to buy something, I don't buy it. I save money, and then I use the money I've saved to buy that cash, and I own it."

Join the Money: Faith and Finance Group on Facebook here!

We love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Key Takeaways:

Understanding Stage 3 Tax Cuts: Pete clarifies that on average, individuals will see an additional $20 to $70 per week, depending on their income bracket.
Impact on Different Earners: Middle to high income earners benefit from these tax cuts, with varying degrees based on income levels.
Historical Context: The episode revisits Stage 1 and Stage 2 tax cuts and the introduction of the Low and Medium Income Tax Offset (the Lamington).
Economic Implications: With more disposable income in hand, these tax cuts are likely to have inflationary effects.
Actionable Advice: Pete suggests conscious utilization of the tax savings by planning for debt reduction, investments, or smart spending.

Notable Quotes:

"It's much easier to talk to clients about tax if the next word out of your mouth is cuts." - Pete Burrows
"Know what the extra tax saving is and make them work for you." - Pete Burrows
"Inflation is higher than what the Reserve Bank would like, and the country would like to see it lowered a little bit." - Pete Burrows
"If you did have high interest rate debts, I would argue to try and pay extra off them." - Pete Burrows

Join the Money: Faith and Finance Group on Facebook here!

Always love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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BONUS EPISODE!

Ben asks all the smart questions and Pete gives some advice on Tax Returns.

Key Takeaways:

Year-Round Tax Planning: Starting tax planning as early as July 1 ensures better organization and maximized deductions.
Utilize Technology: Software and tools can simplify tracking expenses and managing tax returns, making processes easier compared to last-minute rushing.
Ethical Tax Practices: Christian values underscore the importance of honesty and integrity in tax reporting, reflecting broader societal benefits.
Review Personal Finances: Use tax season as an opportunity to review and reassess your overall financial position, not just for tax purposes.
Understanding Deductions: Be thorough with deductions but prioritize accuracy over maximization to avoid potential audits and penalties.

Join the Money: Faith and Finance Group on Facebook here!

Always love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

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BONUS EPISODE!

Ben asks all the smart questions and Pete unpacks Budget 2024 in 15 minutes!

Key Takeaways:

The 2024 Budget offers immediate financial relief for individuals through tax cuts, HECS debt readjustments, and energy bill rebates.
There is an emphasis on sustaining economic measures that will not exacerbate inflation, keeping in mind the impact on the Reserve Bank's interest rate decisions.
Long-term considerations include structural deficits due to ongoing commitments and whether future tax increases or service reductions might be necessary.
The government's forward-facing plans, such as the Future Made in Australia initiative, aim to shift the economic focus towards sustainable and clean energy.
The complexity of government budgeting is compared to personal finance management, highlighting the need for a balance between current benefits and future stability.

Join the Money: Faith and Finance Group on Facebook here!

Always love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

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Special guest is Nelson Hsieh, a New Testament expert with Tyndale at Cambridge who has a detailed interest in digital currency. Pete and Ben ask the basics about cryptocurrencies before hearing more about Nelson's take on "Would Jesus buy Bitcoin?" Nelson explores issues of accessibility and control of currencies, as well as challenging assumptions about who can create what we tender.

Nelson S Hsieh is a Research Associate in New Testament Text and Language at Tyndale House, Cambridge. He is a Graduate Student, Systematic Theology, of Southern Baptist Theological Seminary.

More from Nelson Hsieh:

Should Christians Condemn Bitcoin or Embrace it? (Sola Network)

Discover more on topics raised by Nelson:

Women in Middle-East accessing bank accounts
How many computers mining Bitcoin?
Refugees flee warfare carrying Bitcoin (also, here).
Alexei Navalny receives Bitcoin donations to counter Vladimir Putin.
Notes no longer convertible into gold – Australia

Join the Money: Faith and Finance Group on Facebook here!

Always love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

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Saving is simple. Isn't it? There are so many hacks around for the best ways to save but is that just overcomplicating matters? Pete and Ben cut to the chase with saving and tell you what it means to save at each age and stage. While taking a look at term deposits, superannuation, offset accounts and other avenues, the Money Men consider Jesus' advice on saving (see Matthew 6:19-24).

Join the Money: Faith and Finance Group on Facebook here!

Always love your questions. Contact the Money: Faith and Finance team and we will aim to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

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Most churches serve morning tea after the service, dished up by church members. Often, the morning tea provisions are paid for by these volunteers. Is that right? Who should actually foot the bill? Pete and Ben move from morning tea musings to the broader issue of cost in Christian service, and the need for open conversations about any financial barriers.

Join the Money: Faith and Finance Group on Facebook here!

Always love your questions. Contact the Money: Faith and Finance team and we will try to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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"What is that worth?" We all ask that question but how do we work out the amount? Join Ben McEachen and Pete Burrows as they explore the subjective nature of worth – and why it can annoy Ben so much. From buying a house through to everyday items, they discuss what our "worth" is influenced by and what it should be based on.

Join the Money: Faith and Finance Group on Facebook here!

Always love your questions. Contact the Money: Faith and Finance team and we will try to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Should a couple share their finances? Why would you split them and what sort of impact can that have? Pete and Ben respond to an online conversation about who should get what when it comes to household money.

Join the Money: Faith and Finance Group on Facebook here!

Always love your questions. Contact the Money: Faith and Finance team and we will try to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Do you haggle? Should we? What's the best way to haggle and what's the best motivation for it? Your favourite accountant Pete and non-haggler Ben explore the cultural, practical and spiritual of trying to get the best price. Or are we trying to rip someone else off?

Join the Money: Faith and Finance Group on Facebook here!

Always love your questions. Contact the Money: Faith and Finance team and we will try to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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The Money: Faith and Finance Group on Facebook kicked off recently and your comments, questions and interaction has been super. So much so that Pete and Ben wanted to share some highlights, from the poll results to the "how to choose a Mortgage Broker" interaction and a little bit of prominent pushback.

Join the Money: Faith and Finance Group on Facebook here!

Always love your questions. Contact the Money: Faith and Finance team and we will try to get back to you in a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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A friend of the podcast asked: How can I talk about my inheritance, especially with friends who are having money problems? Oh, and what should I do with it? Pete and Ben take a run at the guilt of inheritance, what it can be used for, and is it OK to ask for it early.

Along the way, Jesus' teaching on greed and the Prodigal Son turn up, as well as challenging the very idea that any of us would leave an inheritance.

Always love your questions. Contact the Money: Faith and Finance team and we will try to get back to you in a future episode.

Join the Money : Faith and Finance Group on Facebook here!

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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"T Swiz is Big Biz"

With the arrival of 'The Eras Tour' in Australia, Pete and Ben discuss the ripple effects of the pop superstar. About $140 million is the expected impact to the local economy of Swift's visit. Along with what this reveals about how much we will spend on experiences (even as cost of living explodes), Ben and Pete's conversation also highlights the need for artists to be renumerated.

Join the Money : Faith and Finance Group on Facebook here!

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Sherrin sent in a question for Pete and Ben that you've probably also been wondering about. Good on you, Sherrin. The question has to do with savings goals and pay rises.

As Ben and Pete discuss, Sherrin's household budget and expenses are at a pinch point where it's tough to save for important things like flights to visit overseas family. But if Sherrin and her husband just get better paying jobs, that will solve their predicament. Right? Surprise! It's not as simple as that, as Pete breaks down in take-home detail.

Like Sherrin, have you got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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The Psalm 23 Podcast. Get into the delight and detail of The World’s Most Famous Psalm, as Ben McEachen (Hope Mornings) joins theologian and author David Hohne (Moore Theological College, Sydney, Australia) for three helpful conversations. Explore Psalm 23 and discover what this ancient poem meant when it was first written, how it still relates to our everyday lives and who the Good Shepherd truly is.

David Hohne is a lecturer in Christian Thought at Moore Theological College in Sydney, Australia. His book The Last Things offers a deeper understanding of the Kingdom of God, through the lens of the Lord's Prayer.

Ben McEachen hosts the Morning Show on Hope 103.2 in Sydney, Australia.

Thanks to Andrew Shead's book on the Psalms – Walk His Way – for informing The Psalm 23 Podcast.

Listen to more from our Hope Podcasts collection at hopepodcasts.com.au. And send the team a message via Hope 103.2’s app, Facebook or Instagram.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

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Share this with your church family to help you wrestle with the methods and motivations for financially supporting your church.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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What was it? And what's the answer? Press play to find out because its surely the question you also have wanted to put to "everybody's favourite tax accountant" Pete Burrows. Ben also asks Pete what questions we really SHOULD BE asking accountants. Pete lets Ben have it – and why our personal tax and financial arrangements will be better off for asking.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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The future is here. Cashless transactions are the norm with only 6 per cent of Australian sales being done in cash. But some aren't happy about this, protesting the rise and rise of tap or online payments. Ben and Pete serve up the benefits and downsides of how we now carry less cold, hard cash. From keeping track of spending to the challenge of teaching kids about spending, the Money Men give you plenty to consider.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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Ben heard a sermon on "spiritual timekeeping" and it got him thinking about that old chestnut – "Time is money". But was Benjamin Franklin correct about that? Or have times changed? Pete raises invested time versus time spent, and Ben (not Franklin) muses on the timing of God's economy. Plus: look out for all the contemporary references! Including this and this.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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HINT: You should have started yesterday to save for retirement. Oh. But it's not too late to check out Pete and Ben's quick guide to how to prepare yourself for pulling up stumps. Because Pete lets us know how starting NOW will actually make considerable differences THEN. Phew. Plus, the Money Men explore if there is a formula to follow for retirement savings and what are the best ways to set money aside. Pete and Ben also challenge each other about how to work out what is most important when investing in retirement?

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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Oh, erm, sorry. We are not offering the low rate of 2 per cent. Instead, Pete and Ben return to your most popular Money: Faith and Finance subject – interest rates. With the Reserve Bank of Australia in all sorts of scrutiny, Pete maps out where we are actually at in the history of interest rates. Ben wonders if Australia has any other weapons for fighting inflation. What debt should you try to get on top of first? Pete provides strategies for you to immediately take on the costs of borrowed money.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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What is success? Do you have it? How do you know? Sydney accountant Pete chats with Ben about financial success, and other forms, as they head towards a NEW DEFINITION of success. Being able to recognise the impact of success upon your life can help to free us from its weight, stress and consuming expectations.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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... Because we didn't answer all your questions in PART 1 of our interview with Emily Anderson, a 20-something media worker in Sydney (and newest member of the Money: Faith and Finance squad).

Press play now to dig deeper into what do with your money when you're younger. Pete discusses strategies for a 20-something with 20k, Emily raises financial faux pas, and Ben seeks clarity on money terms which we say we understand. But do we?

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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Enjoy our interview with Emily Anderson, a 20-something media worker in Sydney. Like so many under 30, Emily has been able to pull some savings together. And she has questions and concerns about what to do with them. Save? Invest? Where to start? What if you make a mistake? Do personal beliefs count in your early 20s when it comes to the stuff of money?

Pete brings the answers and insightsi n the first part of our extended interview with Emily (who is helping behind-the-scenes on Money: Faith and Finance. Hooray). NOTE: Check out Part 2, where we discuss strategies for a 20-something with 20k.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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Just in time for what Pete calls The Accountants' New Year's Eve, here is a handy EOFY handbook (to kick off Season 3!). Pete rattles carefully through the ways you can maximise your Tax Return, from sorting out exactly what you can claim on, to how not to be dodgy... even when you are tempted to, you know, cut corners.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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So, Federal Budget 2023 has dropped. The dust has settled and Sydney accountant Pete and sidekick Ben can reveal the real winners, not-so-winners - and the SURPRISES. Yeah, surprises. Also, Pete gets myeh about $4 billion, mentions lamingtons in a tax revelation, and explains what all this Budget Blather has to do with your spreadsheet. Ben chimes in with "should I read the Federal Budget?", circus funding and a bit of Romans 13.

Got a question for the Money Men? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

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Hear us out. Instead of taking pot shots at the ways Christians (or so-called) have done terrible stuff with finances entrusted to them, this episode explains why we shouldn't expect more.

But, wait, hear us out. Beyond stating it as it is, Pete and Ben suggest strategies for improving accountability, transparency and honesty. Because not being better with money is NOT the place any follower of Jesus should want to stay at.

Got a question for the Money Men? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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What is superannuation really for? What will happen to it in Australia? What's the trust in God got to do with putting money away now?

To get stuck into super for you, special guest Warren Bird brings his super super knowledge. Warren has more than 40 years experience in investments and financial martkets. From Australia's Treasury (Yes, THE Treasury) to Colonial First State and executive director of Uniting Financial Services, Warren is now on the board of the WA Government Employees Superannuation Fund (GESB).

Just after Australia's premier Conference of Major Superannuation Funds, Warren told Money about the future of super, including the Federal Government's proposal to target the "rich". Warren also explains super's purpose and applies biblical thinking to our approach to long-term saving.

Got a question for the Money Men? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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Overtime. We all do it. Many of us don't get paid extra for it.So, should you do any?

What are reasonable expectations for salary employees, wage workers, and business owners? Pete and Ben consider this prickly aspect of earning as living costs rise.

Got a question for the Money Men? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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This live question arrived about the complexities of a church leader driving an expensive EV. Should they? Shouldn't they? Ben and Pete have a crack at detailing all the facets, from environmental statements to displays of wealth and Christian accountability.

No, Elon Musk. This conversation is not for or against Tesla. It's a serious (well, mostly) session about the ethics of the who, what and why of driving for God.

Got a question for the Money Men? Send it through to the Money Team at hopepodcasts.com.au and Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

*Nothing personal, Financial Planners. Also, listen to the whole episode for the bits where your job definitely is not under threat. Thank us later.

See omnystudio.com/listener for privacy information.

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WARNING: Financial Planners* might be offended and concerned by what's contained within this user-friendly episode about sorting out your finances. Yourself.

Although Ben is worried about Pete's ability to care, he's impressed by the Sydney accountant's tips for EVERYONE to wrangle their means. Without professional help.

Got a question for the Money Men? Send it through to the Money Team at hopepodcasts.com.au and Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

*Nothing personal, Financial Planners. Also, listen to the whole episode for the bits where your job definitely is not under threat. Thank us later.

See omnystudio.com/listener for privacy information.

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Tithing. Sounds old fashioned just to mention it. What's it got to do with us nowadays? Isn't it some Old Testament money thing that went out with Jesus coming along? Or are those Christians correct who maintain that tithing must continue?

Oh. What even is tithing?

Money: Faith and Finance is the place to explore the personal sides of your finance. In every episode, Pete and Ben get into the everyday impact of everything from superannuation to stewardship, the World Bank to your wallet.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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My Millennial Money creator Glen James joins Ben and Pete for the latest episode. Yeah, Glen James, one of Australia's most prominent, self-made commentators on all things finance and modern living. Pete and Ben have so many questions and Glen's a sport about delving into different generational approaches to money, what are his own successes and failures, and what's the place of beliefs/values in our financial worlds.

You can check out Glen's new book, Sort Your Career Out (co-authored with Shelley Johnson), and his My Millennial Money podcast here.

Money with Ben and Pete is the place to explore the personal sides of your finance.

Got a question for the Money Men? Send it through to the Money Team at hopepodcasts.com.au and Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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No-one WANTS to be in debt but is it such a bad thing to borrow? Pete and Ben respond in this episode to a question from Bruce, a Money listener. Bruce wants to know if it is OK for Christians to go into debt to buy stuff OR should they not buy things unless they have the money? Great question. Oh, and Pete and Ben even have a crack at the answer.

Money with Ben and Pete is the place to explore the personal sides of your finance. Got a question for the Money Men? Be like Bruce: send it through to the Money Team at hopepodcasts.com.au and Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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With inflation and interest rates chipping away at how far your money goes in Australia, you must have thought about being paid more. But what should you weigh up when asking for a pay rise? Accountant Pete and punter Ben break down this awkward but pressing issue.

They also dare to ask what is your actual motivation behind beefing up your wage?

Money with Ben and Pete is the place to explore the personal sides of your finance. In every episode, Pete and Ben get into the everyday impact of everything from superannuation to stewardship, the World Bank to your wallet.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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What's the world's most famous prayer got to do with my bank account? Great question and you'll be glad you asked it as Ben chats with Pete about the direct financial advice that flows from the Lord's Prayer. You will never think the same way about "give us this day our daily bread".

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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The CEOs of Patagonia and Hobby Lobby decided to give their companies away. Plus, they changed the business model to be more akin with something the Bible describes as stewardship. Pete and Ben survey the stewardship landscape and suggest it's a bold corporate move that goes far beyond the way we use our money. It's a lifestyle choice.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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All the big financial challenges dealt with. This week, the value of throwing a party. From a kid's birthday to a wedding reception, how do you work out what you can afford to splash out? What if everyone else is paying for venues and catering? Can you really put a price on fun, friendship and festivities?

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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Know what sounds awesome? Being generous. Know what is awesome.? Actually being generous, something we all can struggle with. But doesn't God love a cheerful giver? Sure, the Bible says that and Ben and Pete investigate what such a statement can mean for us. Because if you or I are giving through gritted teeth, we all need to hear this.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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Pete and Ben discuss several strategies for making housing more affordable in Australia. They also manage to get into a discussion about whether affordable housing is a human right. You might be shocked at their assessment.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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New Year's Resolutions are pointless and never last. Right? OK, so how about if Pete combines an incredible #lifehack to the changes you want to make to your money? Something so incredible it is guaranteed* to succeed. Now, you are interested.

[* You guessed it; Not Actually Guaranteed]

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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With only minutes to go until the Big Day, Ben asks Pete for some last-minute guidance on the costs and considerations of Christmas outlay. The result? An excellent stocking filler that covers off gifts, food, travel, hospitality – and Jesus!

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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Everybody should have a budget for your household finance. So says Pete. Ben is sceptical. Cue: A practical and, oddly, philosophical discussion about spreadsheets and values... and it's not boring. We know. That's amazing. And helpful, especially with the practical First Steps for cranking up your own budget.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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Yes, let's go there. Can a Christian be rich? Because the Bible says money is evil... Wait. Does it actually say that? And what's that stuff Jesus says about the camel and needle's eye and doesn't that block the wealthy from getting into heaven?

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

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Everyone is talking about interest rates. All the time. In this episode, accountant Pete Burrows and Hope 103.2 presenter Ben McEachen talk about why we have interest rates and whether we are complaining too much about them. Oh, and doesn't the Bible say something somewhere about not charging interest?

Money with Ben and Pete is the place to explore the personal sides of your finance. In every episode, they explore the everyday impact of everything from superannuation to stewardship, the World Bank to your wallet.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

See omnystudio.com/listener for privacy information.

Money: Faith & Finance: Recent Episodes

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