Weaving Gold | A Money Podcast

Many people wonder whether they truly need ongoing financial advice or if a one-off plan will do? In this episode, Nathan and Jordan break down what ongoing advice really is,  who benefits most, and why the relationship with your adviser matters just as much as the strategies. They discuss accountability, decision fatigue, changing life circumstances, and tailoring advice to your needs. A practica...

After years of caring for others, through divorce, separation, grief, a TPD claim, or supporting ageing parents, it is common to feel guilty for spending money or time on themselves. In this episode, Nathan and Jordan explore why investing in yourself isn't indulgent… it's necessary. We unpack the practical and emotional benefits of using a small portion of your settlement money or inheritance to...

Caring for a parent entering aged care is emotional enough... and then the invoices arrive. In this episode, Nathan and Jordan unpack one of the most common questions families ask: Should I pay my parents' aged care fees? They explore: The guilt that often drives the question, What actually counts as "paying fees," the risks of lending money, How powers of attorney affect loan agreements, The impa...

Most people buy personal insurance when life is busy; mortgages, kids, careers; but years later the renewal notice arrives and you wonder:  Do I still need this? In this episode, Nathan and Jordan break down the four core types of personal insurance (Life, TPD, Trauma and Income Protection) and reframe the whole conversation away from products and premiums, and toward the events that actually chan...

Granny flats aren't just backyard builds; they're legal and financial arrangements that can impact your pension, your estate, and your families harmony. In this episode Nathan and Jordan Introduce the concept of Granny Flat rights, explaining what they are, and what theyre not Explain how Centrelink assesses the situations Emphasise the importance of a proper written agreements and professional ad...

When it comes to estate planning, few things are as misunderstood as property ownership and testamentary trusts. In this episode, Nathan and Jordan sit down with Estate Planning lawyer Lucy Percy, founder of Head and Heart Estate Planning, to unpack What a testamentary trust actually is, How property ownership (joint tenants vs tenants in common) affects your will, Why getting this wrong could mea...

Separation often means running two households on the same income, and that can get overwhelming fast. In this episode, Nathan and Jordan unpack how to manage your budget during separation, what the Family Court looks for in financial statements, and how to regain confidence and clarity around money after a relationship breakdown. They also discuss emotional pitfalls, fairness, and practical tools...

When should you update your will? What really makes a "good" one? In this episode, Nathan and Jordan sit down with estate planning lawyer Lucy Percy to unpack the triggers for reviewing your will, the role of an executor, and why DIY will kits can create costly headaches later. They also explore how to handle guilt, fairness, and blended family complexity after loss and why the right lawyer can ma...

When a loved one moves into aged care, one of the biggest questions families face is:  Can we afford this room?   In this episode, Nathan and Jordan unpack a real-life case study comparing two accommodation options: one at $450,000 and one at $700,000.   They explore how to assess affordability, the impact of Centrelink and income changes, and why financial decisions in aged care aren't always jus...

Choosing the right super fund isn't about finding the "best" one, it's about finding the one that fits you .   In this episode, Nathan and Jordan unpack what really matters when comparing funds: fees, access, customer service, ethical options, insurance, and how much control you actually want.   Whether you're 30 or 60, this conversation helps you be more intentional about your super and confident...

A will only matters after you're gone, but what happens if you lose capacity while you're still here? In this episode, Nathan and Jordan are joined by estate planning lawyer Lucy Percy from Head and Heart Estate Planning to unpack why an Enduring Power of Attorney (EPOA) might be the most important document you ever sign. They explore what happens if you don't have one, how long it can take to get...

This episode is all about the mindset and thought process you can take for any investment decisions, but especially when you're thinking of borrowing to invest. A listener in their late-30s/40s has a paid-off home, an investment property and ETFs' but still worries they're "missing out on the leverage property offers."    Nathan and Jordan unpack feelings vs financial reality, why goals beat compa...

Many people worry that they'll need to sell their home to afford retirement ; but is downsizing really the solution? In this episode, Nathan and Jordan unpack the emotional and financial sides of downsizing: from losing your "family hub" to freeing up time and money for a simpler life. They explore what makes downsizing successful, when it backfires, and why understanding your motivations is more...

When the last surviving parent moves into aged care, families face one of the hardest questions—what happens to the family home? Nathan and Jordan unpack the emotional, practical, and financial realities of this decision.  From sibling tensions to Centrelink rules, property maintenance, and the two-year exemption window, this episode offers clear, compassionate guidance for families navigating one...

When headlines scream that your super fund just lost $300 million, it's easy to panic. In this episode, Nathan and Jordan unpack what really happened with the Australian Retirement Trust's investment write-off, why diversification matters, and how to tell if bad news in the markets actually affects your retirement.   Learn how to read these stories calmly, and spot when fear is being used to sell...

"Where should I put this money?" It's one of the most common questions financial advisers get; but the answer isn't as simple as picking a fund or stock. In this episode, Nathan and Jordan unpack the real questions behind investing: What does your life look like in five years? What role does debt play? How do life stage and goals shape the right structure, whether that's paying down a mortgage, sa...

A listener asks: "I'm 54 and want to use passive income to work fewer days—what's the best way? Shares, property, or dropshipping?" Nathan and Jordan unpack what passive income really is, using a simple model to explain the difference between shares, property, welfare, and business ownership. They explore why shares may be more passive than property, the reality of dropshipping, and how all of thi...

Not all financial advisers are created equal, and sadly, some can cause real harm. In this episode, Nathan and Jordan unpack the warning signs of poor advice, from too-good-to-be-true promises about superannuation to advisers pushing one-size-fits-all products. They explain what a good adviser actually does, how to ask the right questions, and why the real value of advice goes beyond products. If...

Invoices in residential aged care are rarely "set and forget." Nathan and Jordan break down the line items you'll see, why errors happen, and how to fix them.   We cover daily care fees, means-tested fees (now the non-clinical contribution from 1 November), additional services, hotel contributions, and common admin traps.   You'll learn when to hold off on direct debit, how to notify Services Aust...

From 20 September, Centrelink's deeming rates are increasing for the first time since 2019. If you're on the Age Pension, Disability Support Pension, or paying aged care fees, you may be wondering: what does this really mean for me? Nathan and Jordan unpack what deeming is, how the changes work, who it will actually affect, and why the headlines often sound scarier than the reality.   The Income T...

In this episode, Nathan and Jordan explore how to consider capital gains tax as part of an amicable separation, where both parties want a fair and low-stress outcome. Using a listener's real-life question, they discuss property settlements, splitting superannuation, and the practical steps for building new lives while keeping things civil for the sake of kids, family, and friends.   Visit www.weav...

Annuities are making a comeback, and with super funds soon required to offer them, many retirees are asking if they should be part of their plan. In this episode, Nathan and Jordan break down what annuities are, how they compare to account-based pensions, and why Centrelink concessions can make them attractive. They also explore the trade-offs: security versus flexibility, estate planning implicat...

Family trusts can feel like a maze, especially during separation or divorce. In this episode, Nathan and Jordan unpack why family trusts exist, what it means when you're asked to sign trust documents, and the risks of doing so blindly. They explain the real purposes of trusts, like asset protection and tax minimisation; while highlighting the confusion and vulnerability many people feel. Whether y...

When a parent's health declines but they refuse aged care, families face an emotional and practical dilemma. In this episode, Nathan and Jordan explore how to balance safety with respecting your parent's independence, the toll it takes on family members, and practical steps you can take to ease the situation. From assessments and home safety tweaks to documentation and family meetings, we share in...

In this follow-up to Part 1, Nathan and Jordan dive deeper into Anne's complex question about separation, super, and aged care. They unpack how Centrelink assesses whether someone is considered a spouse, the five key factors that determine separation, and how aged care rules—like the "protected person" definition—can drastically affect assessments. They also explore what happens when power of atto...