Here Comes The Money

Everyone’s talking about interest rates—but should they really be driving your financial decisions? In Episode 17 of Here Comes The Money , Peter and Harvey break down what the current interest rate environment means for Australians, why consumer confidence matters just as much as the cash rate, and why waiting for the “perfect time” could cost you more than acting today. In this episode, we discu...

In Episode 16 of Here Comes The Money , Peter Kaleski and Daniel break down the latest negative gearing changes, what they actually mean for investors, and why the media headlines may not tell the full story. They unpack: What negative gearing actually is How the proposed changes may impact property prices and rental supply Why supply and demand still drives the market The potential effects on fir...

Most Australians are flying blind with their finances — paying too much tax, stuck in a 30-year mortgage, and heading toward retirement with a gap they don't even know exists. In this episode, Peter and Hobby pull back the curtain on the exact tools SmartMoney uses with every client to turn confusion into clarity — and inaction into results. You'll discover: The one repayment switch that s...

Is setting up a Self-Managed Super Fund really the smart move… or can trying to save money upfront end up costing you much more in the long run? In this episode of Here Comes The Money , Hovig and Peter unpack one of the biggest traps they continue to see: Australians trying to go down the DIY path with Self-Managed Super Funds and financial planning. While SMSFs can be an incredibly powerful stra...

In this episode of Here comes the Money , Peter and Hovig dive into the hot-button topic of Capital Gains Tax (CGT) and why it’s currently dominating political headlines. With a $56 billion deficit to plug, the guys break down whether the government is serious about changing the rules or just looking for a distraction from rising interest rates. All strategies and information provided on this webs...

The Real Cost of Your Car Repayment Why “normal” car loans delay wealth more than people realise In Episode 12 of Here Comes the Money , Peter and Hovig unpack one of the most common — and least questioned — financial decisions Australians make: car repayments. With car loans and vehicle leases now considered “normal” household expenses, this episode breaks down what those repayments are really co...

In Episode 11 of Here Comes the Money, Peter and Hovig dive deep into financial leverage and explain why borrowing, when used correctly, can be one of the most powerful tools for wealth creation. Using clear, simple examples, they compare: • Investing $100,000 without leverage • Investing the same $100,000 with borrowed funds • The compounding impact over 10 and 20 years • Why leverage can turn mo...

Cashflow Management Explained: Why Budgeting Fails (And What Actually Works) In Episode 10 of Here Comes the Money, Peter and Hovig tackle one of the most important — and most ignored — foundations of financial success: Cashflow management. With rising mortgage repayments, rent stress, and cost-of-living pressure across Australia, this episode breaks down what you can control — and why failing to...

In Episode 9 of Here Comes The Money , Peter and Hovig tackle the question almost every Australian eventually hits: “I want to invest in property… but where do I start?” This episode breaks down the things you must understand before jumping into the market — not hype, not ‘hotspot’ traps, not advice from your neighbour who bought a duplex in 2009 and “reckons it’ll boom again.” Just the real funda...

In this episode of Here Comes the Money , Peter and Hovig answer one of the most common (and misunderstood) mortgage questions in Australia: If you refinance your home loan, do you really go backwards and reset your mortgage to 30 years? Many homeowners avoid refinancing because they’re worried it will undo years of progress — but the reality is far more nuanced. Using real client examples, this e...

Why do smart investors always pay principal & interest on their home loan… but interest only on their investment properties? In this episode, we break down the real difference between good debt and bad debt , how banks quietly penalise loyal customers through the lazy tax , and why your investment loan’s actual interest cost is far lower than the number you see on paper. We also share a real c...

In Episode #6, Peter and Hovig break down one of  most important numbers that truly defines your financial position: your net financial assets. They explain why your home, cars and lifestyle items don’t count toward the wealth that will actually fund your future, how to calculate the number that matters, and why so many Australians think they’re further ahead than they really are. If you want real...

In this episode, Hovig and Peter break down one of the biggest misconceptions everyday Australians have about money: “I need more before I can start.” …when the truth is, most people already have the ingredients — they just don’t know where to look. From super, to equity, to tax dollars you’re already paying, this episode uncovers the “invisible money” sitting right under your nose — and how every...

💰 Episode #4 — The $2 Million Retirement Reality Check: Why Doing Nothing Is Riskier Than You Think Most Australians underestimate how much they’ll actually need to retire comfortably — and the reality might shock you. In this episode, Hovig and Peter break down the real math behind the so-called “$2 million retirement number,” the dangers of lifestyle creep, and why letting your money sit idle c...

Most Aussies think their mortgage is simple — you borrow, you pay it back. But what if your $650,000 home loan actually costs you $1.3 million over time? In this episode of Here Comes the Money , Peter Kaleski and Hovig Evanian expose the real cost of a mortgage — and how the banks quietly make you pay double without you even realising. They unpack: 💰 Why rate drops don’t actually save you much...

This episode of Here Comes the Money with Peter & Hovig tears apart the myths that keep everyday Aussies trapped in the financial system. From the illusion of “working harder” leading to freedom, to the hidden truth that your biggest debt might actually be retirement, Peter and Hovig expose the lies, traps, and systemic flaws that keep people poor. With bold insights into mortgages, government...

You’ve heard the headlines — but here’s what’s really happening. In the first episode of Here Comes The Money , SmartMoney Directors Peter Kaleski and Hovig Evanian unpack the truth about finance, property, and wealth that most Aussies never hear. Straight talk. No fluff. All strategies and information provided on this website are general advice only and does not take into consideration any of you...