Cash Talk

**This episode was recorded on 22nd April 2025 Trade tensions, inflation, government spending, and market volatility — these aren’t just headlines, they’re shaping the future of our economy. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Brian Parker, Chief Economist at Australian Retirement Trust for a deep dive into the current economic chall...

Long-term investing success takes more than just “picking the right stocks” — it requires strategy, discipline, risk management, and purpose. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK), explore how we build investment portfolios for our clients. They deep dive into the Thriving Wealth investment philosophy, how we create cer...

Being self-employed comes with a different set of considerations than employees, especially with no obligation to contribute to super.  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari discuss the common and costly oversights business owners make when it comes to their finances.  Join John & Anthony as they explore the importance of...

Fear and greed are two of the most powerful emotional forces driving your financial behaviour — and most people don’t realise how much they’re influencing your decisions. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder unpack the dangers of fear and greed and the impact they can have on your long-term financial plan.  They explore the emotio...

The 2025-26 Federal Budget is here, and while it may not be packed with surprises, there are key updates that could have a real impact on your finances – especially with an election on the horizon. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn unpack the Government’s latest proposals and what they mean for everyday Australians like you. Fr...

The markets are down, volatility is back, and uncertainty is surrounding the headlines and media. With so much noise and conflicting opinions on what to do next, it’s easy to feel overwhelmed. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari break down the latest market turbulence—what’s driving it, how it affects investors, and tips on...

Self-Managed Super Funds (SMSF’s) and property have been all over the media - but is buying property through your SMSF the right move?  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) debunk some of the myths, pros, cons, and considerations of SMSF property investment. They also explore the importance of getting the right advice...

The Reserve Bank of Australia (RBA) held its first meeting of 2025, announcing a 25 basis point cut to the cash rate target, bringing it down to 4.10% In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari, break down the RBA’s decision its impact on mortgage holders, investors and the broader economy.  With this being the first rate cut in ye...

Finances are one of the leading causes of divorce in Australia. With money having the ability to make or break a relationship, it doesn’t have to. So, when is the right time to have “the money talk”? In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn, dive deep into the complex world of finances and relationships. They explore what makes two pe...

With Australia set to experience the largest intergenerational wealth transfer in history – $3.5 trillion over the next 20 years – many Australians will find themselves inheriting significant assets or funds. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn explore how to navigate an inheritance wisely. They discuss emotional and financial ch...

Major economic changes are unfolding worldwide, impacting inflation, investments, and interest rates. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) answer your questions and concerns about the economy and markets.  From Trump’s tariffs and their impact on Australia to the RBA’s next rate decision and record-high investment pric...

The Australian dream of owning a property isn’t as attainable as it once was. And for many, it’s becoming a financial burden rather than a path to financial freedom. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari, dive deep into the great Australian dream of owning property and the realities of homeownership.  With skyrocketing propert...

Many think that earning more money will solve their financial problems, but often, the opposite happens. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder, explore why earning more money doesn't always lead to financial success. They discuss the common pitfalls of lifestyle inflation, and debt-fueled lifestyles causing financial progress to st...

Are you ready to take your career and finances to the next level? In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Natalie Piscopo, a recruitment and networking talent specialist. Together, they explore what employers are looking for, the importance of personal growth, and how hard work and willingness can advance your career. John and Natalie al...

Got questions about your finances? We've got answers! In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari wrap up the year by answering the financial questions you're most curious about. From knowing when you’re ready to see a Financial Adviser to what investments you should focus on, they give clarity on some of the challenges and opportun...

Reflection and planning are key to growth, helping you improve and progress each year. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn reflect on the financial lessons, achievements, and milestones of 2024 while providing actionable strategies to set yourself up for a successful 2025. They explore the importance of reviewing the past year an...

A long-term client of ours referred over 30 people to us…but none of them reached out.  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) delve into the stereotypes surrounding the term ‘financial adviser’ and how these perceptions lead to hesitation in seeking professional advice.  John and JK explore the innovative impact Thrivin...

Financial success is about much more than the numbers in your bank account—it’s deeply tied to your money mindset, behavioural patterns, and emotional trauma. As well as your ability to not just earn money, but use it to live a fulfilling life. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Global Business Psychologist, Simi Rayat and Gestalt P...

The recent US election has seen heightened investment markets, fueling fear, FOMO, and a rise in speculative investment trends.  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn delve into how these emotions are influencing investor behaviour, leading many to chase quick returns through speculative investments. John and Mason explore the risk...

The rising cost of living has had a significant impact on household budgets, with cashflow getting eaten up quicker than usual.  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari explore how to master your cash flow, the oxygen of your finances. They discuss how your habits and mindset affect your money, ways to overcome financial stagnan...

It’s the most wonderful time of the year, but also one of the most expensive. With sales, gift-giving, and societal expectations, Christmas often brings financial strain for many families. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder dive into the psychology behind Christmas spending. They explore the true meaning of the holiday session,...

Investment bonds are managed fund investments provided by a life insurance company, but Australians are now viewing them as an alternative to superannuation?  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn break down investment bonds, exploring their benefits and when they might be a smart alternative or addition to superannuation.  Join Jo...

The age-old Australian dream of owning a home versus the new emerging strategy of Rentvesting - What’s the right choice for you? Rentvesting is a strategy that allows you to generate wealth through an investment property while renting a home for lifestyle considerations.  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari discuss the pros,...

There are many misconceptions surrounding superannuation, leading people to either misuse it or overlook it altogether in their finances. In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and James Wrigley delve into the world of superannuation and non-super strategies and the importance of finding the right balance between the two to create a financially fre...

Motivation can only take you so far; transformative results ultimately come down to action, consistency, effort, and patience.  In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder delve into what it takes to achieve financial success. They emphasise the importance of who you surround yourself with, the patience required to see results, and the r...