A Bite from The Money Sandwich podcast

What does a happy retirement really look like, and is money only part of the answer? In Episode 64 of A Bite From The Money Sandwich, Marc Bineham speaks with Mandy Mannix, Principal Advocate, Retirement at Challenger, about the latest Happiness Index for retirees and the factors that contribute most to wellbeing in later life. Mandy shares why volunteering is strongly linked to happiness, why so many retirees worry about running out of money, and how financial certainty can play a key role in reducing anxiety. Marc and Mandy also discuss the importance of planning ahead, the value of financial advice and education, the retirement concerns facing many Australians, and how lifetime income solutions can help provide peace of mind. If you want to understand the connection between money, purpose and happiness in retirement, this is an episode not to miss. Relevant links: https://www.challenger.com.au/individual https://www.challenger.com.au/individual/Campaigns/Happiness-Index https://moneysmart.gov.au/

Why do so many Australians feel unprepared for retirement, even when they may be in a better position than they think? In Episode 63 of A Bite From The Money Sandwich, Marc Bineham speaks with Ben Hillier, Director Retirement at AMP, about AMP's Retirement Confidence Pulse survey and why confidence, not just money, plays such a major role in retirement planning. Ben shares insights into the growing retirement confidence gap in Australia, the common mistakes people make with super, and why better education and engagement can dramatically improve retirement outcomes. Marc and Ben also discuss staying invested through retirement, innovative lifetime income solutions, practical super strategies for couples and individuals, and why small financial steps can make a big long-term difference. If you want to feel more confident about your retirement future, this is an episode not to miss. https://www.amp.com.au/ https://www.amp.com.au/about-amp/news/2025/september/Half-of-us-financially-insecure-about-retirement

In Episode 62 of A Bite From The Money Sandwich , Marc Bineham explores why the humble term deposit is back in focus, as the Reserve Bank of Australia makes recent rate moves and Australians question whether their money is working hard enough. Marc is joined by Michelle Sargeant, National Manager Retail and Broker at Bank of Sydney, to break down what rising rates really mean for everyday savers. Michelle shares why now could be the time to shop around, how term deposits can help accelerate savings goals, particularly for those nearing retirement, and addresses the common misconceptions that often stop people from taking action. If you are looking for a simple, low effort way to make your savings work harder, this episode offers practical insights to help you get started. https://www.banksyd.com.au/ https://www.banksyd.com.au/term-deposits

Are you confident your super will actually deliver a reliable income in retirement? In Episode 61 of A Bite From The Money Sandwich, Marc Bineham builds on the conversation from Episode 59, shifting the focus from saving for retirement to creating income from it. In this episode, Marc is joined by Andrew Lowe, Head of Technical Services at Challenger, to unpack the behavioural side of retirement planning and the role lifetime income products can play. Drawing on insights from the whitepaper, Andrew explains why simplifying advice matters, how behavioural biases influence decision-making, and what needs to change to help more Australians turn their super into a reliable income for life. https://www.ifs.net.au/ https://www.ifs.net.au/insights/designing-smarter-retirement-pathways-for-members

Is financial advice a luxury, or could it be one of the most powerful gifts you give yourself? In Episode 60 of A Bite From The Money Sandwich, Marc Bineham speaks with Annika Bradley, Head of Advice Strategy at UniSuper, about why access to financial advice can play such an important role in improving women's financial futures. With International Women's Day 2026 focused on the theme "Give to Gain," Marc and Annika explore how giving yourself time, attention and guidance around your finances today can lead to greater confidence and security later in life. Annika explains why many women retire with significantly less super than men, how career breaks and caring responsibilities can affect long-term savings, and the practical steps women can take now to strengthen their retirement outlook. If you've ever wondered whether small financial decisions today can truly shape your financial future, this is an episode not to miss.

Is your super really set up to pay you an income in retirement, or is it just sitting there as a savings account? In Episode 59 of A Bite From The Money Sandwich, Marc Bineham speaks with Adrian Gervasoni, Executive Manager of Advice Services at Industry Fund Services (IFS), about how Australians approaching retirement should be thinking differently about their super. Adrian explains why super needs to shift from simply growing savings to delivering a reliable income, and how making retirement choices clearer and simpler can help people feel more confident about their future. Marc and Adrian also talk about the IFS' whitepaper, developed in collaboration with Challenger to help align financial strategies with real lifestyle goals. If you want to feel more confident about turning your super into retirement income, this is an episode not to miss.

Getting into your first home has always been a dream for many Australians, but with major changes now in effect, that dream might be more achievable than ever. In Episode 58 of A Bite From The Money Sandwich, Marc Bineham is joined by Chaice Paterson, the founder of Low Deposit Homes. Based on the Gold Coast, Chaice has made it his mission to help first-home-buyers navigate the entire process of getting into their first property, from savings plans to securing land and home packages. Marc and Chaice talk through the huge changes that came into effect on October 1st with the expansion of the First Home Buyer Guarantee. You'll learn how first-home-buyers can now get into the market with as little as a 5% deposit, what grants and schemes are now available, and how to avoid the common mistakes that stall so many buyers. Whether you're aiming for a city apartment or your own slice of land, Chaice gives practical and easy-to-follow tips to take advantage of these unprecedented opportunities and finally get on the property ladder.

What truly makes for a happy retirement — is it money, purpose, or something more? In Episode 57 of A Bite From The Money Sandwich, Marc Bineham speaks to Amanda Gardner, who is Head of Platform Partnerships at Challenger. Amanda shares insights from Challenger's Retirement Happiness Index, revealing how financial security, community, and a sense of purpose are all critical to enjoying retirement. She highlights that while 76% of pre-retirees fear their money won't last, those who seek financial advice feel far more confident and prepared. Amanda also explores why so many Australians value a guaranteed income in retirement and the importance of staying socially connected and mentally engaged. Together, they emphasise the power of planning early and seeking expert advice to create a retirement that is not just financially sustainable but also deeply fulfilling.

How can your home or office layout shape your energy, mindset, and even your money? In Episode 56 of A Bite From The Money Sandwich, Marc Bineham speaks to Jane Langof, who is a multi-award-winning Feng Shui Master, and speaker and founder of Feng Shui Concepts. Jane shares how the flow of energy in your environment can influence your mental, physical and financial wellbeing. She offers practical tips like decluttering your entrance to invite opportunity, positioning your desk to feel empowered at work, and incorporating plants and colours to boost prosperity and harmony. Jane also explains how understanding sunlight, building orientation, and natural elements can create spaces that nurture both your mindset and your finances. Whether you're new to Feng Shui or simply looking for small changes with a big impact, this episode offers inspiring and actionable ideas to create balance in your life and money. https://www.fengshuiconcepts.com.au/

Worried about what retirement will really look like? In Episode 55 of A Bite From The Money Sandwich, Marc Bineham speaks to Katrina McPhee, Group Executive, Advocacy and Communication and Chief of Staff at Aware Super. Katrina shares insights from Aware Super's latest State of Retirement report, revealing that 63% of Australians over 45 feel anxious about their retirement, with Gen X leading the concern. She explores how understanding your super, maximising tax-free opportunities, and leaving money invested longer can all contribute to greater financial peace of mind. But retirement isn't just about dollars, Katrina also highlights the importance of community, purpose, and wellbeing in creating a meaningful next chapter. https://aware.com.au/ https://aware.com.au/member/about-us/newsroom/march-2025/state-of-retirement-report

Ever wondered how to access the wealth tied up in your home without selling it? In Episode 54 of A Bite From The Money Sandwich, Marc Bineham speaks to Andre Karney and Kevin Wunsh, Co-Founders and Joint CEOs of Inviva. Andre and Kevin share how reverse mortgages can give retirees financial flexibility by unlocking home equity without monthly repayments. They explain how borrowers can access up to 20% of their property's value at age 60, with no risk of owing more than the home's value. They also discuss market trends, government alternatives, and why financial education is key to empowering retirees. If you or someone you know is asset-rich but cash-poor, this episode is a must-listen! https://www.inviva.com.au/

Ever wondered how to get the best deal on your mortgage, bills, and financial products? In Episode 53 of A Bite From The Money Sandwich, Marc Bineham speaks to Sally Tindall, who is the Data Insights Director and Chief Spokesperson at Canstar Australia. Sally shares insights from Canstar's 2024 Consumer Pulse Report, highlighting how rising economic pressures have led more Australians to use comparison sites to find better financial deals. She explains why reading the fine print is crucial, how negotiating with lenders can save you money, and the best ways to manage personal debt. Sally also discusses the challenges facing first-time home buyers, the importance of having a plan B, and how to balance financial goals with enjoying life.

I can't believe we're already kicking off 2025! But before we dive into new conversations and guests, let's take a moment to reflect on the highlights of 2024. Over the past year, we've had incredible guests who shared their expertise across a wide range of topics. And as always, Marc asked each of them for their best piece of advice. In today's episode, we've compiled those standout moments—the lessons, insights, and wisdom that shaped their journeys and contributed to their success. These aren't just money tips, but life advice that we can all learn from as we step into the new year. Get ready for some golden nuggets to inspire and guide you in 2025!

Want to know how fixed income investing can boost your savings? In Episode 51 of A Bite From The Money Sandwich, Marc Bineham is joined by Ali Rosenberg, co-founder of Blossom, a savings app providing access to 5.95% p.a. and 7.00% p.a. products to help you reach your goals faster. Whether you're saving for a house, a car, a holiday or just because, Blossom helps you access the targeted returns you need to reach your savings goals faster. Ali shares how she and her sister Gaby, both finance professionals, launched Blossom during the pandemic to break down barriers in the fixed income market. With Blossom Save and Blossom Plus offering competitive returns and flexibility, they've attracted 22,000 customers and just under $90 million in funds under management. Ali discusses how they've created a platform that empowers women, offering low fees, no minimum investment, and future plans to expand into New Zealand, plus joint and kids' accounts. Learn how they're making fixed income investments easier for everyday people.

Ever wonder how someone could lose their life savings to a scam? In Episode 50 of A Bite From The Money Sandwich, Marc Bineham is joined by Tracy Hall, author, keynote speaker and senior marketing executive who has most recently become known as the famous last victim of Hamish McLaren - arguably Australia's most prolific con-man. Tracy lost $317,000 and, for a time, her ability to trust. Now, she shares her story of resilience and recovery. Tracy discusses not only her personal experience but also the larger issues of global scams, victim-blaming, and the emotional toll fraud can take. From spotting red flags to rebuilding trust, Tracy's insights provide invaluable lessons on safeguarding yourself and your finances. With her new memoir, The Last Victim, Tracy aims to educate and raise awareness about scams, while offering hope to others who may have been deceived. 'Who the Hell is Hamish' Podcast - https://podcasts.apple.com/au/podcast/who-the-hell-is-hamish/id1451470931 'The Last Victim' by Tracy Hall - https://www.amazon.com.au/Last-Victim-betrayal-unbreakable-relationship/dp/0733651151/ref=tmm_pap_swatch_0?_encoding=UTF8&dib_tag=se&dib=eyJ2IjoiMSJ9.i-K8uMa_-BVl791cYR7nqJluy3YtqM_XUQ-mwf3y7wn7JAau8rZRXxdJoqwUlmFQ.K_CJ-Y0Yupn-yNc4DLXbWB3RWvjLacEJrIwG63AZ5fU&qid=1726010371&sr=8-1

Ever thought about how strong community bonds and physical activity can transform mental health? In Episode 49 of A Bite From The Money Sandwich, Marc Bineham is joined by Tim Hewson, founder of Mongrels Men Health & Wellbeing. After 27 years as a banking and finance professional Tim shifted his career to becoming a mental health advocate, inspired by his own experiences with anxiety and depression. Mongrels Men is a charity dedicated to improving men's mental health through social connections and physical activity. Over the past three years, Mongrels Men has expanded from a local initiative to 12 locations across New South Wales and Queensland, with plans to grow nationwide and impact one million men annually. Marc and Tim discuss the importance of early education, reducing stigma, and creating supportive spaces where men can connect and thrive.

Ever wondered if your health insurance is really giving you the best bang for your buck as you age? In Episode 48 of A Bite From The Money Sandwich, Marc Bineham is joined by Kate Browne, Head of Research and Insights at Compare Club. Compare Club helps Australians find savings in their insurance and loans. Kate and Marc dive into the complexities of health insurance for older Australians. As premiums rise and needs change, they explore why it's crucial to review your policy every three years to ensure you're getting the best coverage for your money. They also discuss the benefits of services like Compare Club that help optimise your policy without added costs. Tune in for practical tips on managing your health insurance, understanding coverage tiers, and making sure you're not paying for extras you don't need.

Do you want to know how to equip your young adult children with the financial skills they need for a secure future? In Episode 47 of A Bite From The Money Sandwich, Marc Bineham is joined by Isabelle Charter, CEO and co-founder of Drip Invest, an educational investing app on a mission to build a brighter financial future for young people. Isabelle explains the critical importance of financial education for teenagers and young adults as well as shares her journey and motivation behind Drip Invest. Marc and Isabelle also explore the need for structured financial education, the benefits of starting early, and the importance of bridging the financial literacy gap. Tune in to discover how to empower the next generation with the knowledge, confidence, and discipline to make informed investment decisions. https://www.dripinvest.com.au/

Want to know how to make the smartest moves in property investing? In this episode, Marc Bineham is joined by Damian Collins, who is founder and managing director of Momentum Wealth, Chairman of Westbridge Funds Management and author of "Property Investing Roadmap". Marc and Damian talk all things property investing including the key strategies, which Damian also covers in his book. They discuss the importance on educating yourself if you are wanting to invest, and explore the pros and cons of residential versus commercial properties. They also highlights the benefits of diversification, understanding property cycles, and seeking expert advice. If you are interested in property investing, this episode is for you.

Looking to understand how you might be able to deduct car expenses on your tax return this year? In Episode 45 of A Bite From The Money Sandwich, Marc Bineham is joined by Chris Noone, who is the CEO of Carly Car Subscription, one of the leading companies driving the transition to sustainable mobility through car subscription and 'try before you buy' opportunities for electric vehicles. Marc and Chris delve into tax deductions for car usage, stressing the importance of tracking for tax purposes. They explore various car buying and leasing options, including the benefits and challenges of electric vehicles and car subscription services. From insurance coverage to financial considerations, the discussion covers everything you need to know to make an informed decision.