Mo Money

Matt Lakajev dropped out of school, got kicked out of home more than once, and worked 25 different jobs before having a breakdown at 27 that sent him back to his parents' place. He then googled how to make the most money without a degree, found sales, and built an audience of more than 100,000 people on the platform everyone claims to hate. This one's for anyone in a senior role who knows their network matters but has never posted a thing. Matt gets specific on why LinkedIn still converts better than anywhere else, what AI screening is quietly doing to your job applications, and why hitting post for the first time takes most people about three years. WHAT YOU'LL GET OUT OF IT Why LinkedIn works despite being, in Matt's words, a Windows 95 sitting next to a MacBook The one thing you can't fake on LinkedIn that you can fake everywhere else What AI resume screening means for how you actually find your next role Trust leverage, and why companies hire the safe 80% performer over the superstar How to handle tall poppy syndrome and the feeling that posting is just showing off Word for word, what your first post should say The kind of knowledge AI can never replicate, and why it's the only thing worth posting The three mistakes that make experienced people look like beginners online CHAPTERS 01:20 Intro 01:42 The 27 years Matt calls his loser era 02:38 Why LinkedIn, of all places 04:30 What actually drove the growth 06:48 The one platform where people can't lie 09:30 Why some people post and most never will 11:22 The opportunity for senior professionals 12:30 AI is screening you out before a human sees you 13:30 Trust leverage and Dunbar's number 14:30 Why hiring is really about de-risking 16:09 Where to start if you've never posted 17:30 Messages people actually reply to 18:56 Open curiosity loops 19:30 Tall poppy syndrome 21:21 Two rules for posting 21:55 Exactly what your first post should say 23:50 Is posting just showing off 26:43 What to post, and the formats that work 28:30 The knowledge AI can't copy 31:43 Post length and image size 32:26 Three mistakes to avoid MATT LAKAJEV, SEVEN FIGURE CREATORS Free LinkedIn Profile Kit, 24 custom Figma templates: https://sevenfigurecreators.com/lm/a-free-kit-to-design-your-linkedin-profile/ Matt on LinkedIn: https://www.linkedin.com/in/mattlakajev/ Matt on YouTube: https://www.youtube.com/@matthewlakajev Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Nada and Adrian came to Pivot with one property and a plan to buy another. Adrian also had a list of his own: refinance the house, buy the second property, buy a $130,000 car, then take a holiday. His words for how that would have gone are not repeatable in a description. Three months in, the plan looks nothing like that. Two weeks after their strategy session the federal budget landed and changed the maths on the second property entirely, so they went back to the drawing board and ended up somewhere they'd never seriously considered. This is an honest look at what the first few months of getting advice actually feels like, including the admin, the arguments about a $2,000 suit, and the moment it clicked. WHAT YOU'LL GET OUT OF IT What their plan was before they got advice, and what it would have cost them How the budget forced a full rethink two weeks after the strategy was set Choosing shares over a second property, and how they got comfortable with it Aligning as a couple when one of you wants to travel and the other wants a car The money myths they both believed, including that earning more means keeping more Planning around starting a family and the income dip nobody accounts for What surprised them most about the process What they'd tell someone who thinks they don't have enough money for advice CHAPTERS 00:13 Rapid fire round 17:59 Intro 20:34 What was on their mind before they got advice 24:38 The turning point 27:02 What staying stuck would have cost them 28:08 What surprised them about the process 31:19 The moment it clicked 33:17 How they talk about money now 36:02 The frustration that's gone 36:49 What they're working towards 38:34 Why the budget made them choose shares over property 40:11 What Reece said that stuck 41:08 Advice for anyone on the fence 43:10 What if you think you can't afford advice 45:45 Advice to their 21 year old selves Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Same money, same returns, same twenty years. One fund charges 0.2%, the other charges 1%. The difference is more than fifty thousand dollars, and Shani Jayamanne ran the numbers before she walked into the studio. Shani is an Investment Specialist at Morningstar, co-host of Investing Compass and co-author of Invest Your Way. Morningstar runs a study twice a year comparing what funds return against what the investors in those funds actually get, and the funds win by 1.2% a year. Shani explains where that gap comes from, why Australians are among the best in the world at closing it, and what that has to do with the fact that someone else decides when your super goes into the market. WHAT YOU'LL GET OUT OF IT The gap between investment returns and investor returns, and exactly what's causing it Why losses hurt more than twice as much as gains, and the two mistakes that come from it What a 1% fee really costs you over twenty years Why more investment options make people less likely to invest at all What happens to your returns if you miss the ten best days in the market Lump sum versus dollar cost averaging, and where Ben disagrees with the research Why the most sophisticated investors tend to have the simplest portfolios The investment specialist who doesn't pick stocks, and why CHAPTERS 00:21 Intro 00:44 The biggest mistake Australian investors make 01:30 Mind the Gap: your fund beat you by 1.2% 02:30 Why compulsory super makes Australians better investors 04:00 Loss aversion, and why losses hurt 2.25 times more 06:11 Do men and women invest differently 06:30 Complexity is not sophistication 08:00 Boring is profitable 10:30 The chart a colleague left on her desk 12:00 Why more choice means less action 15:22 Thematic ETFs and the AI question 19:43 Growing up with cash and property and no shares 22:00 Fifty dollars a week on a $56,000 salary 24:16 What changed in how she invests 26:30 What a 1% fee really costs 27:55 Where markets are and what's already priced in 29:27 Lump sum or drip feed, and Ben pushes back 33:24 Advice to her 21 year old self SHANI JAYAMANNE, MORNINGSTAR Investing Compass on Apple: https://podcasts.apple.com/au/podcast/investing-compass/id1533956604 Investing Compass on Spotify: https://open.spotify.com/show/70E7mbBaJOFuVQOGhxWsK3 Invest Your Way: https://amzn.to/46qMXAu Morningstar Australia: https://www.morningstar.com.au Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Everyone's calling it a crash. Louis Christopher runs SQM Research, one of Australia's biggest property data houses, and he says that word is wrong. What we're in is the largest downturn in 10 to 15 years, but the one ingredient every genuine housing crash has ever needed is missing here. Louis breaks down where the market actually is, which cities are falling hardest, and which pockets are barely moving at all. We get into what the budget's tax changes are really doing to investor behaviour, why rents have stalled when everyone expected them to spike, and what he'd buy if he were putting money in today. WHAT YOU'LL GET OUT OF IT The difference between a correction and a crash, and why a 10% property fall hurts more than a 10% sharemarket fall Why Australia isn't set up for a US or Ireland style collapse The city by city forecasts for the rest of the year What happened to rents after the negative gearing changes, and why the answer is more concerning than it looks Which markets are holding up, and the ones carrying the most risk right now How long this downturn runs, and what the long term growth rate looks like from here Whether the 6.8% long term average still holds CHAPTERS 00:00 Intro 00:25 Where the property market actually is right now 02:24 Crash or correction, and why the difference matters 03:15 Why a 10% property fall hurts more than a 10% sharemarket fall 04:00 How APRA and the RBA really behave in a downturn 05:00 How long downturns last, and why this one is structural 06:30 What the budget tax changes did to the investor maths 08:45 The flow-on to the economy and state budgets 11:25 Rents went up $2 a week, and why that is the worrying part 13:00 Which suburbs are most exposed 16:18 Semi-rural and lifestyle property, and the risk nobody prices 18:09 Airbnb income and the wealth effect 19:00 The city by city forecasts 21:08 Adelaide and Perth 26:02 What actually drives values over the long term 28:37 How people are coping with record rents 30:17 Population growth and the 6.8% question 34:52 Where Louis put his own money Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

This episode of the Mo Money Podcast is a money diary session with a client of ours, Amanda. Amanda talks about her money journey and how she's done reverse rent vesting, essentially sold her home so that she could rent and invest at the same time, and how she's used that strategy to acquire multiple investment properties and build a share portfolio and start making passive income and a transition away from corporate achievable in less than five years. We get into a bit of the mindset or the things that were happening in Amanda's world at the time that she first jumped into the planning process, some of the sticking points along the way, and what she's most excited about coming up. This episode is perfect for anyone that wants to understand the different pathways that you can use to get ahead with your money smarter. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

In this episode of the Mo Money Podcast, we have a Money Diary session with Nikki, where she unpacks some of the big shifts that she's made with her money over the last little bit, what it was like making some really big decisions about an employer share plan for a company that had just listed on the stock exchange, how she made decisions around creating or replacing her work salary with investment income, streamlining properties, saving a bunch of tax through investing and investing structures, and some of the mindset imposter syndrome stuff that was sort of getting in her way when she first started with her planning. This episode is perfect for anyone that that wants to understand the different pathways that can take you from where you are to where you want to be with your money. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

In this episode of the Mo Money Podcast, we chat about debt recycling post the budget, what it is as a bit of a refresher, but importantly, how the budget changes or lack of changes around share investing and negative gearing for shares has made debt recycling one of the last real bastions, I suppose, of tax deductions for really any investors moving forward. So, we get into some of the mechanics, we talk about the budget rule changes and how that impacts or doesn't impact debt recycling, as well as how you can set this up, the key things that you need to make sure that you're getting right, particularly if you're investing through debt recycling in the post-budget world. This episode is perfect for anyone that owns their own home or is planning to and has some debt against it. That likes getting tax deductions and that wants to replace their work salary with investment income. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

On this episode of the Mo Money Podcast, we unpack the budget changes and what it means for your money and investing. We talk about you know the issues and the challenges that have come from the budget, as well as the opportunities that are out there for investors today. We unpack these newly announced changes to SMSF borrowing and what that actually means for property investors, as well as how to invest without paying any capital gains tax when you're strategic, the power of structures, tax planning on your investments, and the key opportunities, particularly for higher income earners in the post-budget environment, how the rulebook has changed and what the new one actually looks like. This episode, well, I think it's actually critical for anyone that wants to be smart, given how much change has happened over the last little while. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

In this episode of the Mo Money Podcast, we chat to Chris Bates from Alcove. He's a mortgage broker that's helped thousands of Aussies buy homes and invest through the property market. We talk through his take on what's going on in the post-budget world for property, what smart property buyers should be thinking about today, and some of the mistakes to look out for if you're wanting to get ahead and using property as part of your plan. This episode is really perfect for anyone that wants to understand property better. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

In this episode of the Mo Money Podcast, we chat to Damien Cooley, who's a founder at Cooley Auctions. He's auctioned over 75,000 - in fact, over 80,000 properties, he mentioned - and he talks about the lessons from that, how you can not overpay for property, some of the auction bidding strategies to secure a property at a decent price, as well as what's going on in the property market today in the post budget world with confidence a little bit lower across the premium markets across Australia. This episode is perfect for anyone that wants to understand the property market better and to be able to figure out how they can buy property smarter. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

This episode of the Mo Money Podcast is a money diary session with John and Greta. There are business owners that have been on a journey trying to get more out of the money that they already have. So we chat about how they've set up their finances to be automated, so that they can focus more on their business, how they've aligned as a couple with very different perspectives and approaches and interest levels in their money, and how that's made it easier for them to focus again on improving their business and the things that really matter to them. They also talked about investing, building income, and setting up an investment for their daughter, and how they went about making the decisions around that. This episode is perfect for anyone that wants to understand the smart things that you can do to take you from where you are to where you want to be with your money. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

This episode of the Mo Money Podcast is a Money Diary session with a Pivot Wealth client, Tristan, where he shares his journey over the last four years in getting towards buying his first home, which he thought was way out of reach, and the stepping stones that he's used to actually make that happen. He talks about the shift from being almost embarrassed about his finances to a position where he is automated everything, getting great results, and doesn't even have to think about it too much. So, this episode is perfect for anyone that wants to understand the different pathways that you can take to get you from where you are to exactly where you want to be with your money. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

This episode of the Mo Money Podcast is a money diary session with one of our clients, Toni. Toni talks about what it was like to set up her financial plan for the first time, coming from a generation where it was drilled into her that saving money in cash and only buying property was the only way that you could actually get ahead. She talks about what she did to cut tax on her income, as well as the big shifts that she made to feel more confident in her finances and her path forward. This episode is perfect for anyone that wants to understand the different pathways that can get them more money out of what they already have. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

This episode of the Mo Money Podcast is a recording of a live event we did on how to cut your tax bill. In the session, we get into the top tax strategies that you can use to reduce your annual ATO donation, as well as some of the mistakes that people make when it comes to trying to save tax so that you can avoid them. This episode is perfect for anyone that doesn't want to pay any more tax than they have to. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

This episode of the podcast is a recording with Jessica Brady, money expert and financial coach, where we chat pretty deep about how to get in touch with your money beliefs and values, and why that's actually important when it comes to your saving and investing. We get into some of the money systems that can hold people back, and particularly talking about women around finance and financial management, and we go through Jess' top tips for high-income earners to really make sure that they're making the most of their money. This episode is perfect for anyone that wants to understand the why behind the what. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

This episode of the Mo Money Podcast is a conversation with Jack Henderson, property expert and buyer's agent, where we dive deep into commercial property. We talk about what it is, how it works, who it suits and who it doesn't, as well as some of the mistakes to look out for, how commercial property is valued, some of the big flags to look out for if you're going down this path, as well as his advice for people that think that this might be the next move for them. Now, we get a ton of questions about commercial property, so this episode is for anyone that thought maybe that's something that's right for me. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

On today's episode of the Mo Money podcast, you will understand exactly what separates a strategic mortgage from just getting the cheapest rate, the mistakes that are quietly costing high income earners serious money, and what to do about it in the current rate environment. I unpack the stories with Malcolm and Matt on what you should be doing, how to think ahead, and there's a lot of things that come into play when it comes to structuring and lending. Mission Critical to listen to this if you are looking to purchase or refinance anytime soon. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

In this episode of the Mo Money podcast, we talked to Deanna Messina, who's the Deputy Chief Economist at AMP. She's got a bunch of experience with financial markets, and spends most of her days crunching data on inflation, interest rates, what's going on in the property market and the share market as well. So we get Diana to get her crystal ball out some predictions around what's happening in the property market, what's potentially going to happen in the share market, as well as what might happen with the upcoming federal budget. This episode is perfect for anyone that wants to understand what's driving what's actually going on with their money. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

This episode of the Mo Money podcast is our 500th episode, and it's a milestone that we're pretty proud of. We wanted to do something a little bit different, a little bit special, to talk you through some of the lessons that we've learned over the last six and a bit years in putting out the podcast, some of the rules to live by when it when it comes to your money, the ones that have stood the test of time, and Siobhan puts me on the hot seat to ask me about some of my personal money journey and lessons learned as well. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

On this episode of the Mo Money podcast, we talk about the Home Upgrade trap and the cost that can come with upgrading your home at the wrong time. We talk through how you can think about this decision and make it work in a way that actually works for you, and how to be more strategic with the decisions that you make around what is one of the most important decisions when it comes to your money. Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links: Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking Upcoming events: www.eventbrite.com.au/o/ben- nash-pivot-wealth-34379655697 Ben's books: www.pivotwealth.com.au/books More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/ pivotben TikTok: https://www.tiktok.com/@ bentalksmoney YouTube: https://www.youtube.com/c/ BenNashPivot Facebook: https://www.facebook.com/ pivotwealth/ Book a chat: calendly.com/pivot-new- clients/intro-chat-w-pivot- wealth Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.