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PODCAST

Financial Autonomy

Guidance Financial Services

Plenty of books, podcasts and blogs focus on building wealth – and that"s great, as far as it goes. But focusing just on wealth misses the point. I believe what most of us actually want is to have choice. Choice in how much time we give to income-producing activities. Choice about what those income-producing activities are. Choice about where we live. Choice about when we retire. Choice about the ways we use our money to produce happiness. In the Financial Autonomy podcast, I explore the

education self-improvement

All Episodes

13:30

Superannuation Contribution Master Class

Financial Autonomy ·

2025/01/14

Australia's superannuation system is undeniably complex, yet it plays a pivotal role in our financial lives. With compulsory contributions mandated by law, the system is designed to ensure that the age pension serves as a safety net for basic living expenses, rather than the primary source of retirement income. To achieve a comfortable retirement, understanding the mechanics of superannuation contributions is essential. Subscribe to our weekly GainingCHOICE email General advice disclaimer

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09:37

Recency Bias - Could it Derail Your Plans?

Financial Autonomy ·

2024/12/31

Stock market returns were phenomenal in 2024. But strong returns can plant the seed for an unexpected risk. This risk is known as recency bias. Holding an awareness of recency bias is the best way of ensuring you don’t fall victim to its draw, so this week, let’s take a look at this often overlooked risk factor. Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

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08:21

What is the Transfer Balance Cap and How Does it Work?

Financial Autonomy ·

2024/12/17

A few weeks back in the episode about the Superannuation Sweet Spot, I made reference to the transfer balance cap of $1.9 million. I've since had a few questions about how this operates, so this week I thought we'd dig into some extra detail on this particularly important piece of the superannuation rule book. Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

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09:54

Passive Income 101

Financial Autonomy ·

2024/12/03

The desire for passive income frequently comes up as a goal when I speak with new clients. The idea of earning money before we even get out of bed holds obvious appeal. So this week in the podcast, I thought I'd cover all there is to know about passive income. Where it can be sourced, how you can create it, some of the challenges and misconceptions, tax considerations, and some tips for success. Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

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09:10

The Most Important Concept in Finance to Understand

Financial Autonomy ·

2024/11/19

In this episode we take a look at the most important concept in finance to understand - compounding. Subscribe to our weekly GainingCHOICE email General Advice Disclaimer

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08:05

The Superannuation Sweet Spot - Making the Most of...

Financial Autonomy ·

2024/11/05

Consistent with most developed nations, Australia provides incentives for people to save for their retirement. Being self-sufficient in retirement reduces the need for Age pensions and other forms of Social Security. But saving for your retirement means sacrificing the here and now. Money socked away for your 70s and 80s, is money that you can't enjoy in your 20s and 30s. The opportunity cost is real, so the incentives need to be meaningful. Fortunately our superannuation system does indeed

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08:47

Markets Have Had a Phenomenal Year. Where To From Here?

Financial Autonomy ·

2024/10/23

It's been a wonderful time to be an investor recently. As regular readers of our GainingCHOICE e-mail will know, the current one year numbers for the trio markets we track are all in double digits, with the US index over 30% up on the year, and the Australian and Emerging markets both up around 20%. So where to from here? Do such large gains over the past year mean we're destined for a fall? Or is this the early days of a new boom? General Advice Disclaimer

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09:00

What is Longevity Risk and How Should I Avoid Getting...

Financial Autonomy ·

2024/10/09

There’s lots of risk when it comes to investing and building wealth. Inflation risk, market risk, timing risk, concentration risk, liquidity risk, credit risk, legislative risk, reinvestment risk, currency risk, leverage risk, and plenty more. Some risk we want to take – the ones that we can handle and will reward us with extra returns. Other risks provide no benefit to us and so should be avoided at all costs. Longevity risk, the topic of this week’s episode, falls into this second bucket,

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12:13

The Blueprint To Wealth Creation in 2024

Financial Autonomy ·

2024/09/25

We all want to build wealth and have financial security, have choices in life. This week I wanted to explore the basic framework for how you can make that happen. Your home, your super, your investments, and the financial decisions that sit around those all play their part. General Advice warning Add yourself to the GainingCHOICE weekly email list

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0:35

Where to find new episodes of What's Possible?

Financial Autonomy ·

2024/09/18

Looking for a new What's Possible episode? What's Possible has now moved to its own channel. Links are below for the most common players, or just search What's Possible in your podcast app. Find What's Possible on Spotify here: https://open.spotify.com/show/7beUaLlKeg7zlq6RlIObTp Find What's Possible on Apple here: https://podcasts.apple.com/us/podcast/whats-possible/id1766412250 We're having a lot of fun with the What's Possible project. Be sure to follow or subscribe to the What's Possible

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08:18

Am I On Track To Retire?

Financial Autonomy ·

2024/09/11

This week's episode is inspired by the number one question we get asked by new clients - am i on track to retire? This week I take you through how we go about answering this question. What are the inputs required, and the key things for you to consider? For help, visit our website: www.guidancefs.com.au Disclaimer

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47:28

What's Possible - 9 Month's in Antarctica

Financial Autonomy ·

2024/09/04

Could you spend 9 months through winter down in Antarctica? This week I chatted with Matt Roberts who did exactly that with the Australian Antarctic division. He shares how he got this opportunity, the training required, and what life's like at the bottom of the world. What's Possible is moving to its own channel. Be sure to add it to your Follows/Subcriptions: Spotify: https://open.spotify.com/show/7beUaLlKeg7zlq6RlIObTp Apple:

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08:33

When Does Debt Recycling Make Sense?

Financial Autonomy ·

2024/08/28

Borrowing to invest he is unquestionably a frequent contributor to wealth accumulation. Few of us would buy a home without using a mortgage, and it is a rare business that is able to grow without some form of debt. Borrowing to invest in the stock market has many positive attributes. Shares can be sold quickly, enabling you to reduce or clear your debt at short notice were your circumstances to change. Transaction costs are low. And diversification is easily obtained. There are several ways in which

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44:37

What's Possible - Hillary Clinton

Financial Autonomy ·

2024/08/21

Welcome back to the What's Possible podcast where we explore people who've lived interesting lives and consider what lessons we can draw to have the fullest, most fun life possible. In this episode, we dive into Hillary Clinton's journey and what she's achieved alongside that. Subscribe to GainingCHOICE Disclaimer

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07:48

Why Industry Super Funds Have Underperformed, and...

Financial Autonomy ·

2024/08/14

Having now rolled into a new financial year, you might have seen league tables floating around showing the best and worst super fund performers for the 2023/24 financial year. This year the large industry funds tended to lag their retail funds cousins. In this week's episode I wanted to explore why that had occurred, so you can determine whether you need to be taking any action. Subscribe to GainingCHOICE Disclaimer

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57:16

What's Possible - Mr Beast

Financial Autonomy ·

2024/08/07

Welcome back to another episode of the What's Possible podcast where we examine the life of someone interesting and then discuss what we can learn from their story to help us live full and interesting lives. Subscribe to Crawford's new weekly email The Dash. Disclaimer

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09:02

What's Happening with Interest Rates and What Does...

Financial Autonomy ·

2024/07/31

What's going on with interest rates? At the beginning of the year there was near unanimous agreement that interest rates would fall at some point in 2024, probably in the back half of the year. Yet here in Australia at least, talk is of the potential need to lift interest rates. As it stands, interest rates are already at their highest level in over a decade, and we need to go back to 2008 to see a time where they were at these levels for a sustained period. This week I wanted to take a look at the

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58:50

What's Possible - Charlie Munger

Financial Autonomy ·

2024/07/24

Welcome to the What's Possible podcast, our dive into the people who inspire us, how they achieved what they did, and what lessons we can all draw so that we can live the most interesting and full lives possible. Let us know what you think by hitting "reply" to a GainingCHOICE email. Not receiving GainingCHOICE? Fix that here.

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12:40

Have I Missed the Boat for US Shares?

Financial Autonomy ·

2024/07/17

A huge welcome back to the Financial Autonomy podcast, our first episode in about 5 months. The briefest glance at the market section in the GainingChoice e-mail will make it clear that investing in U.S. stocks has been by far the best strategy of the past several years. The five and 10 year average returns on Australian shares, inclusive of dividends, has been about 8%. In comparison The US S&P 500 index has delivered a 10 year average return of about 13% including dividends. The return is even

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43:04

What's Possible - Episode 1 - Sir Edmund Hillary

Financial Autonomy ·

2024/07/10

Welcome to the What's Possible podcast our dive into the people who inspire us, how they achieved what they did, and what lessons we can all draw so that we can live the most interesting and full lives possible. Let us know what you think by hitting "reply" to a GainingCHOICE email. Not receiving GainingCHOICE? Fix that here.

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