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Financial Autonomy - Financial Planning, coaching, and counselling – what’s the difference and when to use each

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March 9, 2021

Financial Planning, coaching, and counselling – what’s the difference and when to use each

Financial planning, money coaching, and financial counselling. These are all terms you’ve probably seen or come across, but the difference between the three roles and when they are applicable is often not obvious. So in this week’s episode I’ll clarify what each of these roles do, and where perhaps they might be applicable in your … Continued

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December 23, 2020

The new couples dilemma – joint everything, or keep your finances separate?

If you’re in a relationship that’s been going for a little while, how do you manage your finances as a couple? Do you and your partner’s wages all go into a single joint account that you both then spend out of? Or do you keep your money separate, each paying for your own expenses and … Continued

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August 26, 2020

Why (and how) I wrote Financial Autonomy – the money book that gives you choice

It was wonderful to be approached by a publisher to write a book. It felt like validation that the effort I’d been putting into the Financial Autonomy podcast, and the weekly Gaining CHOICE email were being recognised, and the ideas conveyed were interesting and valuable. I enjoy writing, and as much as putting together enough … Continued

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November 13, 2019

Re-thinking the traditional retirement – Episode 119

I read a great quote on the weekend attributed to Princess Elizabeth Charlotte of France in the 18th century. She was asked when sexual desire ended and she responded “How would I know, I’m only 80.” Between 1870 and 1970 our lifesplans more than doubled globally. For the thousands of years of human history prior … Continued

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August 7, 2019

7 Essential Australian Resources for Investing in Shares as a Beginner

Warren Buffet started investing in shares when he was just 11 years old. Today he one of the richest people on the planet, with an estimated worth of US$84billion. Buying shares is becoming a part-owner of a business. Throughout history it has been business owners, whether founders or subsequent investors, who have been most successful … Continued

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July 3, 2019

Listener Q & A – Episode 100

Thanks for joining us for another Financial Autonomy episode. We’ve got a bit of a change in the normal routine today, because today is Episode 100 and I don’t want to pass through that milestone without doing something a little bit special. I’ve asked our Gaining Choice subscribers for their top Financial Autonomy questions. I’ve … Continued

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Property

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Self-Employment & Side Hustles

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June 26, 2019

Will retirement still be a thing in 2030? – Episode 99

Throughout most of human history, the only time you retired was when you died. Retirement as we now experience it is a reasonably recent phenomenon. It’s an invention of the 20th century and it’s worthwhile questioning whether it will continue through the 21st century, at least in the format we currently think of. When the … Continued

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May 15, 2019

How to make sense of your superannuation statement (and other things you really should know about your most important financial asset). – Episode 93

For many people, thinking about superannuation is the go-to cure for insomnia. This isn’t all bad, in that so long as your superannuation foundations are set-up right, it is something that needs to be left alone to grow – too much fiddling around can be extremely costly. But ignoring your superannuation savings completely is a … Continued

Superannuation

March 27, 2019

The Grey Nomad Alternative – Episode 86

My parents, like many of their peers, bought a caravan shortly after retiring. Each winter they escape a cold Melbourne, and head north, to explore the vastness of our nation and enjoy the agreeable climate on offer.  They’re onto their second caravan now, and whilst their preference has evolved to staying in the one spot for an extended period rather … Continued

Self-Employment & Side Hustles

Superannuation

March 5, 2019

Financial Independence in Australia – Episode 83

Job security isn’t what it once was. The trend toward contracting, outsourcing and the gig economy, combined with technological automation and increasingly, artificial intelligence, means the need for us to be emotionally and financially resilient has never been higher.  Emotional resiliency isn’t something I’m qualified to speak on, but financial resiliency – financial independence – is of course … Continued

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Self-Employment & Side Hustles

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February 13, 2019

Why your parent’s financial plan won’t work for you – Episode 80

If retirement is a decade or more away, it’s tempting to look at your parents and perhaps grandparents in retirement and figure, well, they seem to be getting along fine, I’ll just have what they’re having.  But there’s two key factors that have underpinned your parents retirement, that will look vastly different in your retirement – the Age … Continued

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November 7, 2018

The reality of negative returns – knowledge is power – Episode 66

 Investment markets don’t always go up. In fact they go down on a pretty regular basis. Is that a shock to you? I suspect not. Yet virtually none of the commentary on investing talks about negative returns – markets going down. But when I speak with clients, especially new clients, usually somewhere in their … Continued

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