Investor Motivation

Could the proposed family trust tax changes affect the way your business income is taxed? In this episode, Rob Goudie is joined by guest speaker Dallas Landwehr from BCH Accountants to discuss what the proposed family trust tax changes may mean for Australian small business owners, tradies, farmers and families using trust structures. They cover income distributions, potential tax impacts from 1 J...

Feeling like debt is getting in the way of the retirement lifestyle you’ve worked hard for? Your 60s should be about more freedom, better choices and peace of mind, not constant stress over credit cards, personal loans, bills or repayments. We look at practical strategies that may help Australians reduce debt while still enjoying life in their 60s. We’ll talk through realistic ways to review what...

Could a falling share market actually increase your retirement income? Many Australians assume that once their assets rise above the Centrelink limits, the Age Pension is off the table forever. But recent market volatility has created new opportunities for some retirees to qualify for valuable pension payments, concession cards, and thousands of dollars in annual benefits. In this episode, Rob Gou...

Can property investing go wrong? In this episode, Rob Goudie and Ashley Rowan discuss a real-life Australian property case study involving a couple who found themselves facing significant negative equity shortly after purchasing a newly built investment property. The conversation explores: ✔️ What negative equity means and why it matters ✔️ The risks associated with off-the-plan and newly built in...

Rob Goudie and Ash Rowan discuss a crucial strategy for retirees looking to minimize potential death benefit taxes on their superannuation. Ash shares a real-life case study of a retired couple with a $1.3 million superannuation balance that is fully taxable. They explore the complexities of taxable vs. tax-free components within superannuation and how changes to CGT and negative gearing can impac...

Going through a separation or divorce can feel overwhelming, emotionally and financially. In this episode, Rob Goudie and Rachael Todman discuss how to make calmer, smarter financial decisions during a difficult life transition. Rachael shares a real-life story that highlights why it’s important not to rush major decisions when emotions are running high. In this episode, you’ll learn about: Taking...

Australia’s 2026 Federal Budget has landed, and there are major proposed changes that could impact taxpayers, property investors, business owners and families across the country. In this episode, Amy and Rob break down the key announcements from the Federal Budget handed down on 12 May 2026, including: • Personal income tax cuts from 1 July 2026 • The proposed new $250 Working Australians Tax Offs...

Feeling overwhelmed by aged care finances? Confused about the RAD (Refundable Accommodation Deposit)? You're not alone. In this episode, we break down exactly what a RAD is, how it works, and the crucial financial complexities you need to navigate when choosing aged care in Australia. If you or a loved one are facing aged care decisions, this podcast episode will provide the clarity and confidence...

Want to legally reduce your tax and boost your retirement savings at the same time? In this episode, financial planners Rob Goudie and Ashley Rowan break down one of the most powerful, and often overlooked, strategies in Australia: catch-up concessional (carry forward) super contributions. With decades of combined experience, Rob and Ash explain how this strategy works, who qualifies, and how you...

Is the government's 5% deposit scheme really helping first home buyers, or is it pushing them into unsustainable debt? Rob Goudie and Ashley Rowan dive deep into the pros and cons, the inflationary impact, and what you really need to consider before entering the property market. We discuss the true cost of homeownership, the role of banks, and offer advice for smarter financial decisions. #FirstHo...

Considering retiring before age 60 but unsure whether it’s financially sustainable?   In this episode, Rob Goudie and Ashley Rowan discuss key considerations for those looking to retire before accessing superannuation. Using a real client scenario, they outline approaches to managing the gap to age 60, including tax timing and more conservative income strategies such as cash and term deposits.   T...

Thinking about moving closer to family but worried about the financial risks? In this episode, Rob Goudie chats with Rachel about a real client case study and how to make a big move without taking on unnecessary debt. We talk about why rushing into property decisions can end up costing more than you expect, the hidden impact of debt on cash flow, retirement savings and lifestyle goals, and why ren...

What should a 25-year-old do with a $2–3 million inheritance? In this episode, we break down a real-life case study of a young couple receiving a large early inheritance and the smartest ways to use it for long-term financial security and lifestyle balance. We talk about whether it’s better to buy a home outright or take on a mortgage, and why learning to manage debt and cash flow still matters ev...

Are you making financial decisions you might regret later? In this episode, Rob Goudie and Rachel Todman dive into the most common (and costly) money mistakes people make, often without realizing it until it’s too late. From upgrading homes and taking on too much debt, to panic-selling investments and ignoring long-term planning, this conversation breaks down real-life scenarios they see every day...

When headlines are filled with wars, rising fuel prices, and global uncertainty, it’s easy for investors to feel anxious and question whether they should be making changes to their portfolio. In this episode, Rob Goudie and Amy Lehman discuss how global headlines can influence investor sentiment, and why markets don’t always react the way the news suggests. With rising fuel prices and increasing g...

Are you contributing to super but unsure if you’re making the most of the contribution caps? Many Australians continue their regular contributions without reviewing how annual cap changes may affect their strategy. In this episode, Rob and Ash discuss the potential superannuation contribution cap changes for the 2026–27 financial year, including concessional and non-concessional limits. They expla...

Feeling worn out at work and thinking about retirement? Wondering if your super will be enough and how you’ll manage your income when you stop working? In this episode, Rob Goudie and Ash Rowan talk through these common concerns in a clear and supportive way. They share practical ideas to help you move into retirement with more confidence, even if work has been challenging or your financial future...

Feeling overwhelmed by HECS debt and the dream of owning a home? Rob Goudie and Ash Rowan tackle this crucial financial question. Ash shares his personal journey of clearing HECS debt and the psychological impact it had. Rob offers his insights into why a substantial house deposit might be a smarter move in today's market. Join the conversation as we explore the trade-offs, the impact on your fina...

What really happens to your Age Pension, Centrelink benefits, and aged care fees when one partner passes away? Rob Goudie and Ash Rowan explore a real-life case study revealing one of Australia’s most overlooked retirement planning traps, the financial shock many widows and widowers face. They discuss how Age Pension and Centrelink rules change when moving from a couple to a single, why pensions a...

What happens to your retirement plans when life suddenly changes? In this episode, Rob Goudie is joined by financial adviser Ashley Rowan to discuss real-life retirement planning case studies and the emotional side of financial advice. They explore how major life changes, such as separation, retirement, and the loss of a partner, impact financial decisions, and how the right strategies can create...

Scams are everywhere—and they’re getting smarter. In this episode, Rob Goudie is joined by Rachel Todman to discuss the growing threat of scams, especially during the Christmas period when urgency and distraction are high. They share real-world experiences, discuss why even intelligent and cautious people fall victim to scams, and explain how criminals use pressure, fear, and trust to manipulate t...

Thinking about setting up a Self-Managed Super Fund? Before you do, this episode could save you years of costly mistakes. In this episode, Amy Lehmann and Rob Goudie break down Self-Managed Superannuation Funds (SMSFs) who they’re for, when they make sense, and when they don’t. SMSFs are often promoted as a powerful strategy, especially for property, but they’re not suitable for everyone. They dis...

In this episode , Rob Goudie is joined by long-term advisor and partner Ash to discuss real-world aged care case studies and the financial decisions that impact families. They unpack common issues they see each year, including family disputes, inheritance misunderstandings, powers of attorney, and how aged care funding decisions affect overall wellbeing. They also share practical insights on aged...

In today’s episode, Rob is joined by business partner Ashley, an expert in aged care and retirement planning. Together, they break down the major changes to aged care and home care packages in Australia, including the shift to the new Supported Home model starting November 1. If you or your loved ones are approaching retirement age, navigating aged care, or planning your long-term financial strate...

Thinking about selling your business or farm? Before you make the leap, make sure you’re not walking away from opportunities or walking into avoidable mistakes. Rob and Amy break down what you need to know before selling a business, farm, or any major asset. They dive into why tax planning should start up to two years out, how family trusts can help manage income distribution, and the importance o...