The Wealthlab Podcast (Aust)

Is investment property dead or are Australians just reacting emotionally to proposed tax changes? With negative gearing and capital gains tax reforms dominating headlines, many investors are struggling to work out whether property still makes sense as a long-term strategy. In this episode, Scott and Phil break down the proposed changes to negative gearing and capital gains tax, explain what the le...

You’ve probably heard the number: $730,000 for a “comfortable retirement.” But what does that actually mean and is it even realistic for your life? The problem is, this figure assumes you own your home outright, spend money consistently every year, and live to a specific age. In this episode, Scott and Phil unpack the famous ASFA retirement benchmark and explain what sits behind the headline numbe...

What does it actually mean when a financial adviser says they’re “independent” and why are most Australian advisers legally not allowed to use the term? It’s one of the most misunderstood parts of financial advice, especially for Australians trying to work out who they can trust. In this episode, Scott and Phil unpack how financial advice regulation works in Australia, why adviser commissions were...

Three key changes to the Age Pension happened at the same time but most people only noticed one. If you don’t understand how Centrelink actually assesses your situation, you could be making decisions that unintentionally reduce your pension. In this episode, Scott and Phil break down how the Age Pension really works from the assets test and income test, to deeming rates and recent rule changes. Th...

You probably already have insurance inside your super but do you actually know what it covers? For many Australians, this “set and forget” insurance can be misunderstood, underfunded, or not fit for purpose when it’s needed most. In this episode, Scott and Phil unpack how insurance inside super really works, what types of cover you may already have, and why it often doesn’t align with your actual...

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/ Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/ Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/ Self-managed super funds (SMSFs) are booming but does that mean they’re right for you? With o...

You’ve probably heard someone mention a “TTR strategy” but what does it actually mean, and should you be using it? For many Australians, misunderstanding this strategy can lead to missed opportunities… or costly mistakes. In this episode, Scott and Phil break down Transition to Retirement (TTR) in plain English what it is, how it works, and when it actually makes sense. They also explain how the r...

Debt recycling is everywhere right now but is it actually a smart way to pay off your mortgage faster, or just another risky strategy being overhyped online? The truth is, it can work incredibly well… but only if you understand the risks and structure it properly. In this episode, Scott and Phil break down how debt recycling works in plain English, why it’s gaining popularity again, and where it c...

Downsizing your home and putting money into super might sound simple but it can come with hidden risks that catch many Australians off guard. From Age Pension impacts to costly moving mistakes, getting it wrong can have long-term consequences. In this episode, Scott and Phil break down how downsizer contributions really work, when they make sense, and where people commonly go wrong. They explore b...

Debt recycling is everywhere right now but is it actually a smart way to pay off your mortgage faster, or just another risky strategy being overhyped online? The truth is, it can work incredibly well… but only if you understand the risks and structure it properly. In this episode, Scott and Phil break down how debt recycling works in plain English, why it’s gaining popularity again, and where it c...

Should you use your super to pay off your mortgage when you turn 60? It’s one of the most common retirement questions Australians ask and the answer isn’t as simple as many people think. In this episode, Scott and Phil unpack the debate around entering retirement with debt. While many Australians are taught to eliminate their mortgage as quickly as possible, the numbers can sometimes tell a differ...

Several important superannuation changes are coming in the new financial year and if you’re contributing to super or nearing retirement, they could affect your strategy. From higher contribution caps to the new payday super rules, it’s important to understand how these changes may impact your tax position and long-term retirement planning. In this episode, Scott and Phil unpack the latest updates...

If you’re in your 50s or early 60s, the next 5–10 years will shape what retirement actually feels like. And one of the biggest levers you have isn’t picking better investments. It’s using superannuation properly. In this episode, Scott and Phil break down why super is one of the most tax-effective structures available in Australia. They walk through how concessional contributions work, how the car...

If you’re over 55, your biggest financial risk isn’t the share market or interest rates, it’s your behaviour. At this stage of life, retirement success is less about chasing returns and more about managing your mindset, your spending patterns, and your investment decisions. In this solo episode, Scott explores the psychology of money and how it impacts Australians approaching or entering retiremen...

Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab / Your super fund might be offering “free financial advice” but what if that advice quietly costs you over $100,000 in retirement income? In this episode, we unpack a real case where limited advice inside a super fund led to a costly Age Pension mi...

Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab / Superannuation, the Age Pension and tax rules can feel like a minefield and one wrong move can cost you tens of thousands of dollars. In this episode, we walk through real-life case studies that show how small timing and structure decisions can d...

Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab / Markets are volatile, interest rates may be rising, and the news feels chaotic but what does that actually mean for your retirement plans? In this episode, we unpack why reacting to headlines can quietly damage your super and long-term income, es...

Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab / What actually happens to your superannuation when you pass away, and how can gifting money to kids impact your age pension? In this episode, we unpack the often misunderstood intersection between super, inheritance planning, and Centrelink pensio...

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/ Find out more → https://wealthlab.scoreapp.com/ Book in a complimentary chat here → https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab / Is gold still worth holding in 2026 — or is it just financial nostalgia? In this episode o...

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-p ... Find out more → https://wealthlab.scoreapp.com/ Book in a complimentary chat here → https://meetings.hubspot.com/jkarauri ... / 2025 Recap: Best Advice & Moments of the Year In this episode, we’re sharing the best moments and advice from WealthLab’s most impactful episodes...

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/ Find out more → https://wealthlab.scoreapp.com/ Book in a complimentary chat here → https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab / What actually worked in 2025? And what should you leave behind before stepping into 2026?...

General Advice Only: Read our Privacy Policy, Fees and AFSL accreditations here: https://wealthlab.com.au/compliance-policies/ 👉 Find out more about Wealthlab: https://wealthlab.scoreapp.com/ 📅 Book a complimentary chat: https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab Is a borderless retirement really as affordable as it looks? The dream of retiring anywhere in the world...

✅ Worried you're not on track to retire on your terms? Book a free strategy call today → https://meetings.hubspot.com/jkarauria/super-review-intro-call-with-jordan 🎯 Find out more with our quiz? Take our 60-second quiz → https://wealthlab.scoreapp.com/ 🌐 Learn more at https://wealthlab.com.au/ Summary In this episode, Scott and Phil explore various financial planning tools, particularly focusin...