Cash Talk

Most people’s mindset is to pay off their debt before they think about investing or even protecting their wealth. But is this singular focus actually costing you opportunities and financial freedom? In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder break down the "debt-first" trap and reveal the true cost of forgoing 10 to 15 years o...

Did you know that 80% of New Year’s resolutions are forgotten by the end of January? Most of us start the year with the best intentions, but without a plan, momentum quickly fades. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn explore the biggest takeaways from 2025 and how you can use them to level up this year, helping you make more alig...

Parenthood is one of life’s most rewarding journeys - but it also comes with significant emotional, lifestyle, and financial changes that are often underestimated. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder break down what it really takes to financially prepare for bringing a child into the world, far beyond just the initial costs. Join...

ETFs, managed funds, and LICs are all popular ways to invest, but understanding how they differ and knowing which suits your goals can make all the difference. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) break down how these investment vehicles work, what sets them apart, and how they can fit into your long-term wealth strate...

It’s easy to dismiss the small fees and expenses, but these erosions accumulate, often unnoticed, and can have a major impact on your future wealth. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn unpack the concept of Wealth Erosion - the small, compounding factors that can significantly reduce your wealth over time, often without you reali...

Risk is everywhere. In markets, in behaviour, and in the choices we make with our money. However, not all risks are bad, some just need to be understood and managed. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder unpack the many sides of risk, from financial, behavioural, to emotional. Join John and Ayten as they break down the different ty...

Investing isn’t about trying to time the market, it’s about setting a goal, choosing the right strategy, and having the discipline to follow it through. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari explore the essentials of investing: dollar-cost averaging, rebalancing and risk tolerance.  Join John and Anthony as they break down how...

Over the past five years, financial advice has made a progressive shift toward a more holistic financial advice model. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn unpack the differences between traditional and holistic financial advice, as well as how they work with their clients.  Join John and Mason as they explore our goal-based, purp...

Setting your kids up isn’t just about the money you give them. It’s about the habits you build and the knowledge you pass on to help them create wealth for themselves.    In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder explore investing for your kids, what compound interest is and how it works, and the idea of “compounding knowledge.” Join J...

Building wealth doesn’t have to be complicated. It starts with small, consistent steps in the right direction that compound over time.  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn unpack the seven lessons from the classic finance book, The Richest Man in Babylon by George Samuel Clason.  Join John and Mason as they turn those parables on...

There are plenty of “pay-it-off-faster” mortgage strategies, but if they don’t fit your situation, or aren’t done correctly, they can push you deeper into debt instead of getting you out. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caliari unpack key lending features, from offset accounts and interest rates to using equity, debt recycling, a...

Buying your kids a car or a home is generous. However, teaching them how to buy their own is generational.  In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and Mason Thorn unpack how parents can help build financial literacy with their 15 to 25-year-olds and have real conversations about creating and managing wealth. Join John and Mason as they explore when...

Whether you’re a young couple, a renting family, or a parent helping your kids, buying a first home is a major milestone in your financial life. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers and Mortgage Brokers, John Cachia and Anthony Caligari explain how lenders assess first-home buyers, covering borrowing power, deposits, LVR/LMI, gifting rules, and money-saving...

Family trusts are a buzzword at the moment, but they’re not always the right fit for everyone. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) break down what a family trust is, how it works, and when it can actually add value. Join John & JK as they unpack the benefits, the pitfalls, and the biggest misconceptions. If you’ve...

It’s not about how much you earn. It’s about your structure, your spending, and your habits. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caliari share strategies for building a surplus, controlling lifestyle creep, and aligning your spending with your goals, so you can get ahead without feeling restricted. Join John and Anthony as they explo...

As your goals, lifestyle, and age evolve, so should your investment strategy, because the approach that works at 30 isn’t the same one you need at 50. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas dive deep into how your financial needs, behaviours, and risk appetite change over time, and why your investment strategy must grow and a...

A new financial year brings new changes, fresh opportunities, and the perfect chance to take control of your financial position and where you want to be in the year ahead. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caliari break down the key FY25 changes that could impact your wealth strategy. From the super guarantee increase to tax-saving...

You’ve read a couple of books, set goals, maybe even downloaded a budgeting app… so why hasn’t your financial life transformed? In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Dr Philip Courtenay, founder of Humans & Money, helping individuals and businesses transform by tapping into the science behind our financial decision-making. Together...

You might be earning more, but without a clear picture of what “on track” looks like for you, how can you tell if you’re getting ahead? In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari unpack what it really means to be financially “on track”, and how to align your money with a fulfilling life on your terms. They explore the behaviours, h...

From the outside, people see John Cachia’s success, lifestyle and wins. But behind the lifestyle is a story of decades of hard work and sacrifice.  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Koutsouroupas (JK) is joined by Burcu Cachia, wife of John Cachia and the real boss of the family, to explore what it takes to create a life built on teamwork, a shared vi...

Thinking about getting a buyer’s agent, but not sure if it’s worth it or just another expense? In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Matt Skehan from Azure Buyers Agents to explore what a buyer’s agent really does, and why their role is becoming increasingly valuable in a competitive market.  They also break down who benefits most from...

Everyone’s talking Cryptocurrency, but is it just FOMO or a must-have in your portfolio? In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Head of Digital Assets, Justin Arzadon, from Betashares, to debate whether Crypto belongs in a well-diversified portfolio. While Betashares embraces crypto as a new asset class, John remains cautious, questioni...

You don’t need to be rich, older, or ready to sacrifice your lifestyle to benefit from financial advice. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia and Leah Bonnacci unpack the most common misconceptions that we often hear preventing people from seeking financial advice. They explore why financial advice isn’t just for the wealthy, how it can support yo...

Financial advice isn’t just about retirement; it’s about creating a life where your money supports your goals, instead of holding you back. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder, unpack why so many people feel stuck trying to “DIY” their finances and the turning points that signal it’s time to seek professional advice. They share w...

The countdown to EOFY is on, and now’s the time to get proactive to avoid last-minute stress and missed tax savings. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK), answer their most asked EOFY and tax questions, and share how to approach the end of financial year feeling prepared and in control. They answer: What should you kno...