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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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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#28 The Importance of having Life Insurance
01/25/2023
#28 The Importance of having Life Insurance
If you were told there is a 70% chance that your house or car could be burnt down, wouldn’t you insure it? Well, it is the same when it comes to your own personal insurance and getting cover to make sure you and your family are protected when the unexpected happens. Today Marc speaks to Tim Ross, who is a Senior Partner and Financial Adviser of Henderson Ross & Co Financial Group. Tim explains why it is important to understand the different types of insurance to make sure you have the best coverage, plus why life insurance also creates security and a safety net for your family. Henderson Ross & Co Financial Group The Money Sandwich
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#27 Deep Dive into Buying a Property
01/04/2023
#27 Deep Dive into Buying a Property
When looking at buying your first property or even looking at building a property portfolio, there is much more than just saving up enough money for the deposit. Today Marc speaks to Arena McLellan, founder of The Property Arena, which is a property education and consultancy business, that has a strong passion for busting the misconceptions of property and teaching people the right way to get a loan and buy property! With an extensive industry expertise in banking, lending, loans and Property Education, Arena explains all the ways to best get into the property market. She believes it’s all about understanding what works best for you, how the lending system works and finding an expert to help you get the best property for your situation. Arena is also an investor, on her way to adding her 8th property to her residential and commercial portfolio, all by the age of 23. If you are interested in property, this episode is for you. Property Arena The Money Sandwich
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#26 Why all parents and grandparents should know about Education Bonds
11/30/2022
#26 Why all parents and grandparents should know about Education Bonds
With the cost of education continually on the rise, it is sometimes daunting for a young couple or family to plan where they will be getting the money to pay for their children’s education. Luckily, there is a solution! Today Marc speaks to Gerard Bailey, who is a Business Development Manager at Futurity Investment Group. Gerard explains the benefits of Education Bonds and how it is the best kept secret of investment bonds and a great alternative for investing when there is an education need, with great tax benefits. Futurity Investment Group – Education Bonds The Money Sandwich What is an Education Bond? Video
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#25 Breaking the Gender Code
11/02/2022
#25 Breaking the Gender Code
When thinking about the roles of women and men in the workforce there are still some default assumptions which continues to fuel the gender gap. Today Marc speaks to Danielle Dobson, who is the founder of Code Conversations and author of Breaking the Gender Code. Danielle uses her research and experiences to help women and men work together to break the Gender Code, so they can be the leader, partner, parent, as well as the person they want to be. Danielle speaks about how we need to breakdown the code and how this can benefit businesses but also allow women and men to focus on what they value the most. Code Conversation Breaking the Gender Code Book Unfinished Business Book by Anne-Marie Slaughter The Money Sandwich
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#24 It’s never too early to start with the help from Kit
10/05/2022
#24 It’s never too early to start with the help from Kit
From a survey commissioned by Kit, they found that 48% of parents avoid discussing money with their children. However, kids attitudes and values towards money starts from their homes, which is why parents need to be more involved in their children’s financial education. Today Marc speaks to Yish Koh, who is the Managing Director of Kit, a new CommBank-backed money app for Kids launched by x15ventures. Kit was developed to help your little grownups earn, save, spend, and learn. Yish talks about the importance of teaching children the value of work and the value of money and that it is never too early to start creating positive money mindsets. Kit The Money Sandwich
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#23 Finding Confidence with Money
09/07/2022
#23 Finding Confidence with Money
When thinking about money and money management, it isn’t always about your knowledge and expertise, but also the emotional element. A big aspect is the fear created if you don’t get it right, so it is important to understand and break down these fears. Today Marc is joined by Natasha Janssens, who is the author of Wonder Woman’s Guide to Money and an award-winning accountant, mortgage broker, ex-financial planner and money coach for women. After arriving in Australia as an 18-year-old refugee without her family, Natasha learned firsthand the complexities of navigating the Australian financial system and the challenges faced by Australian women. With no knowledge or support network of her own, she set out to learn everything she could. Natasha speaks about what she has learnt since coming to Australia and the stigma around women and money, and how we need to acknowledge and build confidence when it comes to managing our money. Wonder Woman’s Guide to Money Woman with Cents The Money Sandwich
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#22 The 5 Keys to how to have a Great Day Every Day
08/11/2022
#22 The 5 Keys to how to have a Great Day Every Day
Incredibly excited to hear Victoria Black’s '5 Keys To How To Have a Great Day, Every Day' as if you are not in a happy and positive state of mind, it’s going to be difficult to achieve any goal including financial. Victoria Black, Founder of Modern Wedding, Australia’s leading publisher of wedding magazines and websites. Which she led for over 27 years as Publisher and Editor-In-Chief including winning the Australian Businesswoman of the Year with the Optus My Business Awards in 2016. In 2018 Victoria co-founded SuperFastDiet.com, a revolutionary online weight loss and lifestyle program which has helped over 100,000 users lose weight and get results they have never been able to achieve before - winning "Australian Start-Up Business of the Year"!
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#21 The latest edition of The Money Sandwich
07/13/2022
#21 The latest edition of The Money Sandwich
With the new release of The Money Sandwich, Marc Bineham wanted to provide you with some background on the book as well as answer a few questions that he has received, such as the reasoning behind the book, why there is a new release and what’s next for The Money Sandwich. Everyone deserves to retire comfortably and on their own terms. Make this the year you take action, order your copy today! Booktopia Affiliate Link The Money Sandwich
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#20 Investing in a Sustainable Future
06/15/2022
#20 Investing in a Sustainable Future
We all want our money to work harder for us, but what if it can also help create a more sustainable future? Today Marc is joined by Marshall Brentnall, Director and Senior Financial Planner at Evalesco Financial Services, as well as a Member of the Investment Committee of AAN Asset Management. Marshall is also an award-winning adviser, winning the IFA Investment Adviser of the Year in 2021. Marc and Marshall discuss how Ethical Investing is becoming more popular for investors and clients and how the increasing demand is shaping the way superannuation and investment funds are looking at their portfolios. Marshall also shares what he hopes to see in the future for ethical investing. Evalesco Financial Services AAN Asset Management – Sustainable Growth Model visit The Money Sandwich
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#19 The Value of Advice
05/18/2022
#19 The Value of Advice
Financial advice as a profession continues to change and adapt, but at the core it is about helping people. Today Marc is joined by Fraser Jack who is a retired Financial Adviser, and now founder of The Cyber Collective and host of the XY Adviser Podcast. Marc and Fraser discuss the value of advice and why they both became advisers, but also how they have adapted to help the many over the few. They also talk about the money mindset for clients and how advisers and coaches need to understand the emotional behaviours that drives a person’s habits, motivations and values, as it is not all about the numbers. The Cyber Collective XY Adviser Podcast The Money Sandwich
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#18 My Millennial Money
04/20/2022
#18 My Millennial Money
Learning how to manage your money is important at every age and it is important to find a way that works best for you. Today Marc is joined by Glen James, a retired financial adviser and creator and host of my millennial money. Glen talks about how he wanted to help people with their money and the importance of finding what system works best for them. He even shares his own 3 step financial plan which gives him balance in his life. Glen and Marc also speak about other key areas of money matters, such as dealing with debt and once you hear Glen speak, you can see why my millennial money has grown into a community of over 85,000. my millennial money Glen James Spending Plan my millennial money Podcast The Money Sandwich
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#17 The Psychology of Retirement Planning
04/07/2022
#17 The Psychology of Retirement Planning
When thinking about retirement a lot of people only focus on their finances, but there is a lot of other elements which are also important to think about when planning for this next stage of life. Today Marc is joined by Professor Joanne (Jo) Earl. UNSW. M.Psych; PhD (Psychology) who is a psychologist and researcher at Macquarie University. Her program of research focuses on developing solutions to improve pre and post retirement planning at both the individual and organizational level along with identifying predictors of retirement adjustment for retirees. In this Episode, Jo talks about her ‘holistic retirement planning’ research as health and your next big challenge is just as important as the finances. As we all want to make sure the transition to this next stage of life is a positive experience as everyone deserves to retire and on their own terms. There latest study is looking for participants who are over 50, paying into superannuation and still working. If you are interested could you click on the QR codes above. the QR codes have the following link Macquarie University Professor Joanne Earl Profile The Money Sandwich
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#16 How to build wealth through property
03/23/2022
#16 How to build wealth through property
Did you know more people become millionaires through property than any other investment type. This has been true for over 100 years. But with such a large purchase it’s easy to make a mistake, as few of us are experts. It’s why we need to gain the knowledge and understand what the wealthy have been teaching their children for generations, as it’s all about good debt and leveraging. Today Marc is joined by Rich Harvey, who is the CEO and Founder of Propertybuyer. Rich is a licensed real estate buyers’ agent, and professional economist with over 20 years’ experience in the property industry. He provides valuable insights for when buying property, what to look out for, including some of the major pitfalls, and what the current trends are so you are more equipped when buying that next property or considering their expert services. Propertybuyer: The Money Sandwich
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#15 Who’s who when buying property
03/09/2022
#15 Who’s who when buying property
Whether you are a first time buyer or looking to add to your property portfolio, buying property isn’t something you do everyday. So it’s important to understand what specialists you need to help you make the best choice. As it’s a very expensive mistake if you get it wrong. On today's episode Marc is joined by Phillip Allen, Director of My Debt Adviser, who is going to help go through the Who’s who when buying property. He will also provide some valuable insights and tips on being as well prepared as possible, when applying for your mortgage loan. My Debt Adviser: The Money Sandwich
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#14 A Gold for Investment Bonds
02/23/2022
#14 A Gold for Investment Bonds
While most know the name Grant Hackett well and remember his race for gold back at the 2000 Olympics in Sydney, but many would not know he is now the CEO of Generation Life Investment Bonds. For us in the Finance profession, investment bonds are one of those best kept secrets, which really everyone should know about. Anyone thinking of saving for a long term project such as their children’s education or deposit for a new property - investment bonds with their unique tax benefits, make saving for any long term project that much easier. So I am thankful to have Grant here today to talk about investment bonds, why he sees so much benefit in them, and will also touch on his sporting background especially how being coached or mentored in any aspect of life, not just sporting, makes reaching goals so much easier. Also look out for Grant’s 'final bite', for his best piece of advice that his Dad provided him around the 40 minute mark. Generation Life Investment Bonds The Money Sandwich
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#13 Aged Care Insights
02/09/2022
#13 Aged Care Insights
Do you know what to do if your parents need assistance, or need to move into aged care? Sometimes we can plan for this but more often than not, it is thrust upon us say with a major health issue and usually we are not prepared, don’t know what to do or where to turn to for help. Today I’m talking with Louise Biti, the co-founder and Director of Aged Care Steps. Louise will be talking about the realistic challenges you face with ageing parents, how you can help, and importantly understand you are not alone and there is help available. Louise will also provide her top tips to help you make informed decisions about when your parents need to take these next steps. Aged Care Steps Don't Panic Aged Care Survival Guide – Louise Biti’s Book My Aged Care The Money Sandwich
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