A Bite from The Money Sandwich podcast
In A Bite from the Money Sandwich, we talk to experts who can provide practical, easy-to-understand tips and tricks on your money and retirement concerns so pre-retiree Australians can finally feel in control of their financial position and allow them to retire comfortably and on their own terms.
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The New Rules for First Home Buyers
11/20/2025
The New Rules for First Home Buyers
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.
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The Keys to a Happier Retirement
06/18/2025
The Keys to a Happier Retirement
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.
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Feng Shui for Your Money and Mindset
05/21/2025
Feng Shui for Your Money and Mindset
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/
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Retirement Is More Than Just Money
04/23/2025
Retirement Is More Than Just Money
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.
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Unlock Your Home's Value Without Selling It
03/27/2025
Unlock Your Home's Value Without Selling It
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!
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Save More on Your Mortgage, Bills, and Debt
02/26/2025
Save More on Your Mortgage, Bills, and Debt
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.
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Best Bites of 2024
01/15/2025
Best Bites of 2024
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!
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Watch Your Savings Blossom
12/04/2024
Watch Your Savings Blossom
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.
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Scammed but Not Silenced
11/21/2024
Scammed but Not Silenced
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 - ‘The Last Victim’ by Tracy Hall -
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Mongrels Men Movement: Sport Meets Support
10/23/2024
Mongrels Men Movement: Sport Meets Support
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.
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Get More Bang for Your Health Insurance Buck
09/25/2024
Get More Bang for Your Health Insurance Buck
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.
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The Young & The Invested: Setting Teens on the Path to Success
08/29/2024
The Young & The Invested: Setting Teens on the Path to Success
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.
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Property Investing Roadmap
07/31/2024
Property Investing Roadmap
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.
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Drive Your Tax Savings: Deductions, EVs, and Subscriptions
07/18/2024
Drive Your Tax Savings: Deductions, EVs, and Subscriptions
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.
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Supercharge Your Superannuation
07/04/2024
Supercharge Your Superannuation
Ever wondered how you can secure a comfortable retirement despite the rising cost of living? In this episode, Marc Bineham is joined by Jonathan Scholes, who is Head of Client - Wealth at Findex. Marc and Jonathan delve into the importance of early superannuation contributions and strategic retirement planning for Australians. They discuss effective investment strategies for young Australians, the critical role of insurance, and the benefits of maintaining a long-term investment perspective. They also talk about the value of advice, and importance of regular financial check-ups and personalised retirement plans to ensure a secure and comfortable retirement. Findex Superannuation and Retirement Insights
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Unlocking Retirement Bliss: Health, Wealth, and Purpose
06/05/2024
Unlocking Retirement Bliss: Health, Wealth, and Purpose
Are Australians retiring happy? In this episode, Marc Bineham is joined by Aaron Minney, who is Head of Retirement Income Research at Challenger. Aaron talks about Challenger’s inaugural Retirement Happiness Index revealing the happiness of Australians over 60 and the results might surprise you. Marc and Aaron also uncover the secrets to retirement happiness, covering health, social connections, and financial planning. From a mental challenge to guaranteed income options like annuities, they share practical tips and insights to help you navigate your retirement journey with confidence and joy.
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Turning Intentions into Achievements
05/08/2024
Turning Intentions into Achievements
Have you ever struggled to stick to your New Year’s resolutions? In this episode, Marc Bineham is joined by Dr Carly Reid, who is a Clinical Psychologist at Empower Clinical Psychology and Financial Wellbeing Advisor for Aware Super. Carly works closely with Aware Super for their Financial Fitness campaign. Carly talks to Marc about New Year's resolutions, exploring the psychology behind fresh starts and how to turn intentions into tangible achievements. Marc and Carly also emphasise the importance of setting and staying motivated towards fitness and financial goals, underlining the necessity of taking small steps and staying consistent. Plus, they tackle the impact of financial stress on relationships and share tech tips for better money management.
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The Empowered Athlete
04/11/2024
The Empowered Athlete
Have you ever found yourself completely immersed in one pursuit, only to feel lost and uncertain once it's completed? In this episode, Marc Bineham speaks to Danielle McDonough, a professional hockey player turned athlete mindset coach and CEO of Peak Performance Training. Danielle delves into the mental health hurdles athletes face and shares insights into the programs she has crafted to support them, which she also talks about in her book, 'The Empowered Athlete'. Danielle highlights the importance of maintaining a healthy identity beyond sports and offer strategies for accountability, mindset, and growth. Marc and Danielle also explore the significance of goal-setting and the transformative potential of seeking help, alongside the pivotal role coaches play not only in athletes' lives but also for individuals striving to elevate their own pursuits to the next level. The Empowered Athlete book -
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Understanding our Current Economic Environment
03/13/2024
Understanding our Current Economic Environment
When you hear someone talk about the economy, all you hear is interest rates, inflation and investments. But what does this all mean? In this episode, Marc Bineham speaks to Qian Wang, who is the Chief Economist of Vanguard Asia-Pacific. Qian and her team conduct research on the global economy with a focus on the Asia-Pacific region, global capital markets, and related investment topics. Qian and Marc speak about the current global economy and what to look out for in 2024. Qian also shares her views on the importance of asset allocation within your investments.
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Best Bites of 2023
02/14/2024
Best Bites of 2023
We can’t believe we are already in 2024 but before we bring on new guests, we wanted to take a look back at 2023. We had some amazing guests who shared their expertise across a range of different topics and at the end of each episode Marc asked them what their best piece of advice was. In today’s episode we have collected all the best pieces of advice. These are not all money related, but advice they have learnt throughout their careers and lives, which have shaped them and made them the success they are today. Some great gems and pieces of wisdom we can all learn from.
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Sense and Centsability
01/12/2024
Sense and Centsability
Let’s face it, money plays a big role in our lives, but to be good with money it doesn’t mean you have to be good with numbers, even though it helps. It's all about how we perceive money and how our core values shape the choices we make. In this episode, Marc Bineham speaks to Amie Baker, who is an award winning financial adviser, a money mindset coach, podcaster, founder of Centsability and if that wasn’t enough she is also the NSW State Chair of Inspire for the Financial Advice Association of Australia. Amie and Marc talk about the value of advice, as well as how understanding your money mindset is crucial, as for example, how we were raised to view money as children. Amie also shares her best pieces of money advice which we can all live by.
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#37 The Power of Super
11/20/2023
#37 The Power of Super
A big part of this podcast is to help you get better with your money and get your money working harder for you through income producing assets like shares, property and your superannuation. Last podcast it was all about the current property market but today’s episode is all about Super. Whether you are in your 20s and 30s with retirement seeming so far away or you might be in your 50s and 60s with retirement just around the corner, it is important to make sure you understand it and get it worker harder for you. In this episode, Marc Bineham speak to Peter Hogg from Aware Super. He is Aware Super’s Head of Advice, Experiences and Enhancements and they will be talking all things Super and Retirement. Aware Super - The Money Sandwich –
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Australian Property Market Insights
10/12/2023
Australian Property Market Insights
All you hear about today are interest rates and how hard it is to get into the property market. In this episode, Marc Bineham speaks to Dominic Cavagnino, who is Head of Research and Acquisition at Binnari Property. Dom talks all things property and shares the current market trends he is seeing across Australia. Dom and Marc also speak about the different ways to get into the property market, and the importance to just get your foot into the door. Binnari Property - The Money Sandwich –
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#35 Keys to Retirement Confidence
09/14/2023
#35 Keys to Retirement Confidence
Whether you are just starting out in your career or already retired, what does retirement mean to you? And what do you want your retirement to look like? In this episode, Marc Bineham speaks to Shannon Nutter, who is a Principal, Executive Consultant at Vanguard Australia. Shannon speaks to Marc on Vanguard’s latest report, How Australia Retires, which is a study exploring Australians’ attitudes towards retirement and how they feel about this phase of life. Shannon and Marc speak about the main take outs from the report and how responses varied depending on what stage of life you are currently in. Shannon and Marc also speak about the negative stigma when talking about money and how you just don’t know what you don’t know, so starting a conversation with a trusted friend or speaking to an expert is so important and can make a positive impact to your financial situation.
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#34 Out of Africa
08/16/2023
#34 Out of Africa
Is travelling around Morocco on your bucket list? What about travelling around Morocco alongside an internationally acclaimed Moroccan chef? In this episode, Marc Bineham speaks to Hassan M’Souli, a leading executive chef in Australia. Listen to Hassan’s story of coming to Australia in 1985 and how he went from speaking limited English to opening three successful restaurants and winning the world’s best African Cookbook in 2010. Marc and Hassan also discuss his latest venture, which Hassan and his wife run luxury culinary tours around Morocco, offering a local’s perspective and the chance to prepare traditional dishes with him, including one in the Sahara desert. After all, what’s money for if it’s not to help you in living your dream life and ticking items off your bucket list.
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Want to write a book?
07/06/2023
Want to write a book?
Have you ever thought about writing a book? Or have you already got a draft at the back of your cupboard that you thought would never see the light of day? In this episode, Marc Bineham speaks to Jaqui Lane, owner of The Book Adviser. Jaqui and her team help businesspeople develop and share their expertise, experiences and insights through self-publishing and marketing their own, high-quality business book. She also helped Marc with his book, The Money Sandwich and has her own strong views on money education. Jaqui speaks to Marc on the process of how to write a book, and that it’s not just writing a manuscript, but finding your audience and the importance of marketing the book as well as yourself. The Book Adviser The Money Sandwich
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It’s Tax Time! Time to speak to an accountant
06/15/2023
It’s Tax Time! Time to speak to an accountant
You don’t know what you don’t know, and this is definitely applicable when it comes to your taxes. In this episode, Marc Bineham speaks to Danny Mazevski, founder of AMCO Chartered Tax and Financial Advisers. He is a Chartered Tax Adviser as well as Marc’s own tax adviser. Danny speaks to Marc on why speaking to an accountant or tax adviser is something we all should do. Similar to going to a doctor for a check-up to make sure you haven’t missed anything; a tax adviser or accountant will see if you have missed anything when it comes to your expenses and taxes as well as ensure you have the right strategy in place. Plus hear Danny’s tips for tax time, especially if you work from home. AMCO Chartered Tas and Financial Advisers The Money Sandwich
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It’s ok to not be ok – Understanding Mental Health
05/15/2023
It’s ok to not be ok – Understanding Mental Health
Mental Health is so important to understand and to recognise when yourself or someone around you is being affected. But sometimes you don’t know what to do next. In this episode, Marc Bineham speaks to Kim Huckerby, founder of The Wellbeing Affect. She is also a keynote speaker and runs accredited Mental Health First Aid and Wellbeing programs around Australia. Kim always knew she wanted to help others and has spent her whole career focusing on mental health and wellbeing. Kim speaks to Marc on what mental health encompasses and the importance to understand how to recognise the signs and help those around you. She also explains her top mental health tips which we all can apply in our lives. Kim Huckerby’s website Mental Health First Aid Australia The Money Sandwich
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#30 How to stop letting stress stick
04/06/2023
#30 How to stop letting stress stick
Stress is everywhere and most people struggle with it. But not all stress is bad for you. In this episode, Marc Bineham speaks to Luke Mathers, a top stress expert and performance coach, who transforms how people look at stress, through his speaking, coaching and his three books (Stress Teflon, Curious Habits, and RESET). Luke talks about the importance of understanding stress, and how to embrace the good but most importantly, how to stop letting the bad stress stick. He also talks about his new book ‘Curious Habits’ which is all about looking at habits, why we do what we do and how to change it. Luke Mathers’ website Luke Mather’s books (Stress Teflon, Curious Habits, and RESET)
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#29 The Power of Helping Others
02/22/2023
#29 The Power of Helping Others
Being a financial adviser and being a part of the financial services industry, isn’t just about getting the best and most appropriate policy for your client. What’s also important is the relationship that you build especially when your clients need you most, at claim time and being able to support them and their family in their time of need. Today Marc speaks to Amanda Cassar, the co-founder and sole director of Wealth Planning Partners. Amanda talks about how she started in this industry and what she loves most about being a financial adviser and helping her clients. Amanda also shares how she continues to help others outside of her business, through in part, her book and podcast, ‘Financial Secrets Revealed’, and her amazing charity work. Wealth Planning Partners Financial Secrets Revealed Book Financial Secrets Revealed Podcast The Money Sandwich
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