Mo Money

Any purchase is a value exchange. You need to get more value than you pay for any product or service.   But if you haven't used an adviser in the past, it's hard to know where the value will come from.    In this post, I go through the areas that value can come from in financial advice, and a case study of a recent client so you can learn from their experience.   Want to keep making the right mone...

With over 22,000 financial advisers in Australia, choosing the perfect one to help you isn't easy.   There's licensing, advice areas, service models, charging strategies, aligned, vertically and horizontally integrated, and that's before you even get to the technical stuff.    A pretty common question I get asked is how to get started actually choosing a good financial adviser. In this post I cove...

Consistently making the right money moves isn't easy.   And it doesn't come naturally.    In fact, our psychology often sets us up for failure when it comes to making our money moves.    In this post I cover some of the key money mistakes people make, and how you can avoid them.     Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.l...

While there is no one set of 'perfect' money choices that any person can follow to be successful with money, there are some key things that every person needs to get right.    In this post I cover the three top drivers of how to be successful with money, and you can put them into action.     Want to keep making the right money moves with complete confidence?   Upcoming online training events: http...

Your super fund isn't something that needs a lot of attention, but some simple tweaks can make a difference of hundreds of thousands of dollars by the time you eventually are able to access your super.    In this post I cover the things you need to get right to maximise your super investments and after tax return on your super.     Want to keep making the right money moves with complete confidence...

Employer share options plans or ESOP plans can be a pathway to that sweet pot of gold at the end of the rainbow that is sweet sweet startup millions.    But you need to know the rules or you can get it seriously wrong and end up being forced to make a much bigger donation to the ATO that you need to. In this post I cut some of the noise and go through the facts. I talk through the key rules that s...

Restricted Stock Unit or RSU plans are an epic way to grow your investments and assets.    But you need to know the rules, otherwise you end up blindsided with one surprise tax bill after another. I cut through the noise to go through the facts here. In this post I cover the key rules you need to know to maximise your restricted stock, and some of the tips and hacks that can help you cut through t...

The rules and legalese on employee share purchase plans (or ESPPs/ESSs) can be tricky to understand, but if you don't take the right approach you can end up leaving money on the table.    In this post I cover how employer share purchase plans work, the key rules you need to know to maximise your employer's share plan, and some of the tips and hacks that can help you cut through the noise and hype...

Employer share plans can be a way to rapidly accelerate your asset and investment building. But without the right strategy in place you can get blindsided by one tax bill after another, fall into some common investing mistakes, and miss the opportunity to create real financial security asap.    In this post I cover the key elements you need to be aware of to get the most out of your employer share...

This is definitely a first world problem, but one that's real, and valuable to solve. APPLE, Atlassian, Amazon, Google, Uber, All up around 100%, plus the dollar is weak. There is also a lot of uncertainty with where markets are going and what will happen as governments around the world wind back the huge amounts of artificial stimulus they've been pumping into the economy.    In this post I cover...

One good thing to keep in mind is that buying a property as an investment verse buying as an owner-occupier can have two completely different strategies.   There is no such thing as 'the right way'. Your financial path to buying property will be determined by your income, tax position, deposit and overall approach.    It is essential to take the time to decide what is the right choice for you and...

If you own property already, using the 'equity' can be a smart way to accelerate your asset building and wealth creation, and build another income stream through investing.   Only problem is it's super confusing, scary, and if you don't have a good risk management strategy you can make mistakes that cost you a bunch of money.     Want to keep making the right money moves with complete confidence?...

One of the first things I ask my clients is, 'why do you want to purchase a property?'    Buying a property is a big step. We all understand the decision to purchase a house, should not be made lightly.    Being clear on the reason why this purchase is important to you can help you make the right financial decision when it comes to negotiating the financials.     Want to keep making the right mone...

The classic question when you're looking at how to allocate money to investments, do you buy property or invest in shares instead?   Both have their merits, but choosing isn't as easy as it might seem. In this post I cover how to the benefits and disadvantages of property vs shares, and how to choose the best option for you.   Want to keep making the right money moves with complete confidence?   U...

One of the things that stops people from getting serious with their investing is the fear of f**king things up and losing a bunch of money.    But if you don't have a lot of experience investing, or have limited investment knowledge, it's hard to know how to reduce or eliminate risk when you invest.    In this post I cover the strategies you can use to reduce and manage investment risk, how to get...

Being a smart investor is one of the most effective ways to accelerate how quickly you grow an income stream outside of your employment income. But it's not easy to cut through the noise and figure out the best next investing move for you.    In this post I cover the the smart investment actions you can take today to drive real results, and how you can get started building your investment income....

The world has changed, but what does that mean for how to make smart investment decisions.   In this post I get chatting about what makes a good money choice, the problem of making the right move at the wrong time, and the power of simplicity when you invest.   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a...

When you don't have a lot of experience investing, it's hard to know where to start. There's so much information out there, that trying to figure out where to start is like drinking from the firehose.    There are a bunch of conflicting opinions, mixed messages, and hidden agendas. In this post I cover the basics of investing to help you cut through the noise.     Want to keep making the right mon...

Do you have some big property goals for the new year, but not quite sure the best approach or how to figure it out? Looking at the soft property prices and ultra low interest rates and figure now is your time? Want to make some smart money moves with property to create some financial security or even financial freedom? You've come to the right place. This workshop will help you understand property...

This episode is a recording from a live online event I did as part of our 'How to Money' series in collaboration with the champions at Raiz Invest and  General Assembly where I talk about how to build passive income investing in 2021. We're going to some investment basics and fundamentals, the key sort of investment rules or areas that you need to understand to be able to make some smarter decisio...

In this session, I talk about a question I've been getting asked a lot lately is whether the share market is crashing and I think a lot of people are really nervous with the volatility that we've seen around the US election and what's going on in markets and what's going on within the economy. In this episode I talk about some of the key things that you need to understand to assess whether investi...

In this episode, I talk about how to find a good investment property which is a really common question that we get asked. It's a place where there's heaps of noise and hype and just everybody has an opinion, so in this episode I'm gonna help you cut through that noise, help you understand the fundamentals of what makes a good property investment, where the risk come from in your property investmen...

Do you earn good money but struggle to save at the rate you feel like you should? Do you have big goals but frustrated by slow savings progress and feel like you're never going to actually get ahead? Do you want to spend less time juggling money from one account to another and spend more time enjoying your money? You're not alone. Saving money is super important. It's also hard, and spending money...

In this episode, I answer the question what is the difference between a financial planner and a financial adviser. This actually came about from a question that I got from a new person that reached out to me the other day and made me think that the labels are quite confusing. In this session, I'll talk about what they mean and I'll give you a hint that the labels aren't actually that important but...

In this session, I have a bit of fun going through some of the millionaire money mistakes. So what are the money mistakes that people with a lot of money make that can really cost them a packet. What I've done here is I've just gone through a handful of real life client stories of situations that were being across some more painful than others but helping you understand where people went wrong so...