Weaving Gold | A Money Podcast

A listener asks a simple question: if Dad withdraws his super and puts it into a term deposit, will it affect his Age Pension? In this episode, Nathan and Jordan unpack why this is not as straightforward as it sounds. What starts as a pension question quickly opens up into a much bigger conversation around estate planning, death benefit tax, and the trade-offs of taking money out of the super syst...

If you have started helping your parents with their finances and discovered old share certificates, registry paperwork, or investments scattered across different companies, this episode is for you. Nathan and Jordan talk through why old shareholdings can become so stressful during major life changes like aged care, bereavement, retirement, or stepping in under power of attorney. They explain what...

If you inherit some money or a property, can you protect it from any future claim by a spouse if you seperate? It's a common concern, and a an area of Family Law full of confusion and in some cases misinformation. In this episode Nathan is joined by Jemma McKenzie, Accredited Family Law Specialist and Partner at Forte Family Lawyers to clear up some of that noise and clarify what can or cannot be...

In this weeks episode Nathan is joined by special guest Jemma McKenzie, Accredited Family Law Specialist and Partner at Forte Family Lawyers.  When someone is going through a seperation there is so much to consider, from their own routine, living situation, finances and sometimes safety - and it feels like life gets a lot more expensive all of a sudden; so when it comes to also paying for Legal ad...

Some financial advisers only work with what are known as wholesale clients or sophisticated investors. But what does that actually mean and why does it matter? In this episode, Nathan and Jordan explain the difference between retail and wholesale investors and why the distinction is so important when seeking financial advice. They unpack how people qualify, what protections can disappear once you...

If you are thinking about giving money to your children or grandchildren, you may be wondering whether it will affect your Age Pension. In this episode, Nathan and Jordan unpack how Centrelink treats gifting, what it means for your pension payments, and why these decisions are often more complicated than they first appear. They explore how gifting can impact both Age Pension entitlements and aged...

What happens if a parent runs out of money while living in aged care? In this episode, Nathan and Jordan explain financial hardship provisions, unrealisable assets, and what families can do when aged care fees become unaffordable.  They cover protected person rules, RAD payments, means tested care fees, gifting traps, and how hardship assistance actually works. A clear guide for families worried a...

A listener has received a lump sum of money from her parents to help pay private school fees for her two children. She works full time, and shares costs with her ex. The question is simple on the surface: where should the money go? But underneath are deeper issues of risk, inflation, school fee increases, tax, emotional pressure, and long-term planning. In this episode, we unpack the real consider...

You have sold your home and now have the proceeds sitting in the bank while you look for your next property. But what does that mean for your Age Pension, tax, and where you should park the money safely? In this episode, Nathan and Jordan answer a listeners question, unpacking The rules around Home Sale Proceeds for the Aged Pension including how the assets and income tests apply What to do with t...

You have finally paid off your mortgage. There is just a small balance left. Now the question is, do you close it or keep it open? In this episode, Nathan and Jordan unpack the emotional and financial sides of this common dilemma. They explore redraw facilities, offset accounts, retirement considerations, helping adult children, medical emergencies and how banks frame the decision. The real issue...

When a large sum of money enters a relationship, it can change more than just the bank balance. In this episode, Nathan and Jordan explore a pattern they often see in separation and divorce cases. Financial independence, particularly through inheritance, insurance payouts or business sales, can become the catalyst for long-standing relationship tensions to surface. They unpack why feeling financia...

Financial scams are becoming more sophisticated, more personal, and more damaging than ever before. In this episode, Nathan and Jordan talk through the emotional impact of being scammed, why shame and embarrassment stop people speaking up, and the most common scams they are seeing right now. They explain how financial scams really work, how to spot red flags early, and practical steps you can take...

In this shorter episode, a listener asks whether it makes sense to move their Mum from one aged care facility to another after a preferred room becomes available.  Nathan and Jordan walk through the emotional, practical and financial considerations of changing facilities, including new agreements, RAD transfers, interest rate resets, reassessments with Services Australia and how pre November aged...

Can shifting superannuation between spouses increase your Age Pension entitlement? In this episode, Nathan and Jordan unpack a common listener question about moving super into a younger spouse's account to reduce assessable assets.  They explain how the Age Pension asset test works, when this strategy can be effective, and the trade-offs around tax, access to funds, Centrelink reporting, and long-...

Many families consider buying a property for an ageing parent to live in under a granny flat arrangement. This episode covers a question from a listener over whether you can charge rent as part of a Granny Flat Arrangement. Nathan and Jordan unpack the difference between what is allowed under Centrelink rules and how the ATO views these arrangements. They explain why charging rent can accidentally...

Granny flat agreements are about far more than buildings or money. They are about expectations, care, fairness and protecting family relationships. In this episode, Nathan and Jordan unpack the key considerations families should discuss before entering a granny flat or co-living arrangement. From personal care expectations and household costs to estate planning, divorce risks and dispute resolutio...

Receiving an inheritance can feel like a blessing and a burden at the same time. In this episode, Nathan and Jordan unpack how an inheritance affects the Age Pension, why it often triggers frustration and fear, and what practical options retirees can consider. From Centrelink rules to spending confidence, lifestyle choices, and financial strategies, this episode provides a calm introduction to a c...

What starts as a simple question about downsizing and an inheritance often hides something much bigger. In this episode, we unpack a real client case where the surface questions were about selling a house and investing money, but the real issue was whether retirement could happen sooner than expected. Through careful planning, timing and understanding the rules around downsizer contributions and s...

Many parents are being asked to go guarantor so their adult children can buy a home.  In this episode, Nathan and Jordan unpack what being a guarantor actually involves, the risks most families overlook, and how it can quietly derail your retirement plans. They talk through the emotional pressure parents feel, what can go wrong if things change, and the importance of having clear conversations and...

Christmas often brings emotional pressure, rising costs, and financial stress. Nathan and Jordan talk through why Christmas spending feels overwhelming and share a simple strategy to take the pressure off next year. From setting up a Christmas savings account to rethinking gift expectations and family traditions, this episode focuses on practical steps that help you feel more in control and enjoy...

Christmas often brings families together for the first time in months, and it can also highlight changes in ageing parents that are easy to miss during the year. In this episode, Nathan and Jordan explore what to look for when you notice Mum or Dad might not be coping, how to approach sensitive family conversations, and how to plan Christmas when a parent is already in aged care. They cover practi...

Christmas can be magical for kids, but emotionally loaded for separated parents. In this episode, Nathan and Jordan explore how to create a peaceful, child-focused Christmas when co-parenting. They cover practical planning, communication, gift-giving expectations, managing extended family, handling school holiday logistics and navigating financial responsibilities. If this is your first Christmas...

Many women approaching retirement wonder whether to stay in the family home or move into a retirement or lifestyle village. In this episode, Nathan and Jordan break down how these arrangements work, the fees involved, what to watch out for in contracts, and how to protect yourself from common pitfalls. They also explore the social, financial and wellbeing benefits when retirement villages are the...

Most conversations about life insurance focus on taking out a policy, not on what happens when a payout actually arrives. In this episode, Nathan and Jordan walk through the real administrative steps, the emotional shock, the delays, and the decisions people face when they lose a partner and a claim begins. They explain why timing varies, what insurers check, how superannuation complicates payouts...

In this episode, Nathan and Jordan explore the emotional and financial crossroads many women face when their children move out. They unpack the guilt around reducing financial support, the shift toward prioritising retirement, and why scarcity becomes real the closer you get to finishing work. They discuss how to assess whether ongoing help for adult kids is sustainable, how to avoid unintentional...