Testamentary Trusts Explained: Protecting Wealth for Your Family’s Future _076
Managing Money Made Easy by Karen G Adams
Release Date: 11/18/2025
Know Your Numbers Without Becoming an Accountant | Small Business Finance Made Simple _089
Managing Money Made Easy by Karen G Adams
Do you avoid your business numbers because they feel confusing, confronting, or just plain boring? In this episode, Karen makes small business finance easier to understand by breaking down the key numbers every business owner should know - without turning into an accountant. This is a practical, empowering conversation for business owners who want to stop guessing, stop relying solely on their bank balance, and start making smarter decisions with more clarity and confidence. Karen walks through the five core numbers every owner should be tracking, the three key financial reports worth...
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Why Cash Flow Feels Tight Even When Sales Are Good | Small Business Cash Flow Tips _088
Managing Money Made Easy by Karen G Adams
Are your sales coming in, but your bank account still feels tight? In this episode, Karen breaks down one of the most frustrating and confusing parts of running a business - why cash flow can still feel stressful even when sales look good. This episode explores the difference between revenue, profit and real cash flow, and why so many business owners feel like money comes in fast… and disappears even faster. Karen walks through the most common reasons cash flow pressure builds, including undercharging, slow-paying clients, poor money systems, lack of visibility, and paying yourself last. If...
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Where Small Business Owners Are Really Earning: ABS Data Every Australian Business Owner Needs to Hear _087
Managing Money Made Easy by Karen G Adams
How much are small business owners in Australia really earning, and what does the latest ABS data reveal about the true state of small business? In this episode, Karen breaks down what the latest turnover figures tell us about where Australian businesses are really sitting and why so many owners feel behind when they compare themselves to unrealistic online business hype. This is a grounded, eye-opening conversation about revenue bands, business pressure, turnover versus profit, and why earning more does not always mean keeping more. Karen also explores what the numbers suggest about...
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Did You Build a Business or Buy Yourself a Job? The Truth for Small Business Owners _086
Managing Money Made Easy by Karen G Adams
Are you building a real business… Or have you accidentally created a job for yourself that feels harder, riskier, and more exhausting than employment ever did? In this episode, Karen unpacks one of the biggest traps small business owners fall into - becoming the salesperson, operator, admin, problem-solver, and financial stress-holder all at once. If your business depends on you for everything, leaves you constantly overwhelmed, and still isn’t paying you properly, this episode is for you. You’ll learn the difference between being self-employed and becoming a true business owner, the...
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Investing 101: Separating Fact from Fiction _085
Managing Money Made Easy by Karen G Adams
Investing doesn’t have to be overwhelming or scary. In this episode, Karen G. Adams from Financial Management 101 chats with Michael Degtyar from Scope Advisory about the truth behind investing. Learn the basics of risk, reward, diversification, and long-term thinking - plus the myths that hold so many people back from getting started. Know more about Michael Degtyar: Connect with Karen: 🌐 financialmanagement101.com.au/contact 📧 #Investing101 #MoneyEducation #FinancialCoach #InvestSmart #FinancialPlanning #FinancialFreedom #BuildFinancialMuscle
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From Financial Goals to a Roadmap: How a Planner Helps You Get There _084
Managing Money Made Easy by Karen G Adams
Goals are great - but how do you actually achieve them? In this episode, financial coach Karen G. Adams teams up with financial planner Michael Degtyar from Scope Advisory to show you how financial goals can be transformed into a real, step-by-step roadmap. Whether you’re saving for a home, retirement, or your kids’ future, this episode shows how planning creates clarity and confidence. Know more about Michael Degtyar: Connect with Karen: 🌐 financialmanagement101.com.au/contact 📧 #FinancialGoals #MoneyMindset #FinancialCoach #FinancialPlanning #MoneyTips...
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Protecting What You’ve Built: The Role of Insurance in Your Financial Plan _083
Managing Money Made Easy by Karen G Adams
Earning money is one thing - protecting it is another. In this episode, Karen G. Adams talks with Michael Degtyar from Scope Advisory about the often-overlooked role of insurance in your financial plan. Learn how the right cover can safeguard your family, income, and lifestyle, and why insurance is a financial foundation, not just an expense. Know more about Michael Degtyar: Connect with Karen: 🌐 financialmanagement101.com.au/contact 📧 #InsuranceMatters #ProtectYourFuture #FinancialWellbeing #FinancialEducation #FinancialPlanning #MoneyCoach #BuildFinancialMuscle
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Superannuation Made Simple: How to Make It Work for Your Future _082
Managing Money Made Easy by Karen G Adams
Confused about your superannuation? You’re not alone. In this episode, Karen G. Adams, financial coach and founder of Financial Management 101, sits down with financial planner Michael Degtyar from Scope Advisory to break down what super really is, why it matters, and how to avoid the common mistakes Australians make with their retirement funds. Simple, practical, and jargon-free education you can actually use. Know more about Michael Degtyar: Connect with Karen: 🌐 financialmanagement101.com.au/contact 📧 #Superannuation #FinancialEducation #RetirementPlanning...
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Why You’re Avoiding That Money Talk (And How to Finally Have It) _081
Managing Money Made Easy by Karen G Adams
Do you keep putting off “the money talk” with your partner? You’re not alone. So many couples avoid talking about finances because of fear, shame, or past trauma, but silence creates stress, not safety. In this closing episode of the Love & Money Unfiltered series, Karen and Mauro tackle the emotions behind money avoidance and give you practical tools to start having honest, judgement-free financial conversations. This episode is your permission slip to speak up, listen better, and create a financially transparent relationship - without the drama. 💡 Perfect for couples ready to...
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Power Plays & Paychecks: Who Really Controls the Money? _080
Managing Money Made Easy by Karen G Adams
Is one partner in charge of the finances while the other feels left out - or powerless? This episode dives deep into the subtle (and not-so-subtle) power imbalances that can arise in relationships when it comes to money. Karen and Mauro break down how control, inequality, and silence around finances create emotional distance and resentment - and how couples can shift from a one-sided money dynamic to mutual respect, shared decisions, and financial empowerment. 💡 If your relationship feels unfair or lopsided when it comes to money - this conversation could change everything. Connect...
info_outlineA testamentary trust might sound complicated, but it’s one of the most powerful estate planning tools for families. In this episode, Karen G. Adams (Financial Management 101) sits down with Heather Williams from Sunstone Legal to break it down in plain English.
You’ll learn:
✅ What a testamentary trust is and how it works
✅ How it can provide tax benefits and asset protection
✅ Why it’s especially valuable for families with young or vulnerable beneficiaries
If protecting your family and your legacy matters to you, this episode is a must-listen.
Get to know more about Heather: https://www.sunstonelegal.com.au/about
Connect with Heather for inquiries: heather@sunstonelegal.com.au
📌 Connect with Karen:
🌐 financialmanagement101.com.au/contact
📧 karen@financialmanagement101.com.au
#testamentarytrust #estateplanning #wealthprotection #familyfinance #financialcoach #financialeducation #assetprotection #legacyplanning #financialliteracy #moneytalks #financialmanagement101 #karengadams