this is investing is your weekly dose of realistic, no-hype investing encouragement. Hosted by Glen James, each short episode is designed to help you build long-term wealth by focusing on what actually matters: consistency, mindset, and simple strategy over noise and hype. Whether you're new to investing or looking to stay on track, this series will keep you grounded and growing. Hosted on Acast. See acast.com/privacy for more information.
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SYMO Interactive Podcasts
Join HR consultant Shelley Johnson as she talks with you about all things work! Formerly my millennial career. Hosted on Acast. See acast.com/privacy for more information.
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Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday. Formerly named my millennial money professional Hosted on Acast. See acast.com/privacy for more information.
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Join John Pidgeon โ property investor, coach, buyersโ advocate and author โ and Rachelle Kroon, mortgage broker, investor, and founder of Sphere Home Loans, as they dive into all things property. From buying your first home to building a portfolio, they share practical insights, expert advice, and real-world stories. With guests from every corner of the property space, John and Rachelle will help you take your next step with clarity and confidence. Formerly my millennial property. Hosted on ...
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Azaria Bell talks with you about your money! Hosted on Acast. See acast.com/privacy for more information.
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740 the 10 questions with Jenny from @worththehappiness
17:15
17:15
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17:15While at FinCon 2025 in Portland, Oregon, Glen James caught up with finance coach and educator, Jenny from @worththehappiness. Glen asked Jenny: ๐๐พ what makes a successful investor? ๐๐ฟ retirement investing or non retirement investing? ๐๐ป mortgage or invest? ๐ what's the biggest barrier to investing? ๐๐ผ do you have to be smart to be good with money?โฆ
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538 Kabhirโs IMG journey: medical training in Pakistan & starting out in Australia (part 1)
56:46
56:46
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56:46In this first half of a two-part chat, Dev speaks with Kabhir* a doctor who migrated from Pakistan to Australia as an international medical graduate (IMG). Kabhir shares how he: ๐๐พ trained and specialised in neurosurgery in Pakistan ๐๐ฝ prepared for and passed the AMC exams ๐๐ฟ navigated visas, registration and job offers ๐๐ป compared working hours, pโฆ
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737 funding renovations, using equity to buy a 2nd IP, split loans, valuations + more
36:41
36:41
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36:41Rach and John dig into some listener questions about: ๐๐พ funding renovations - cash, equity or future-value valuations ๐๐ป what if investors with 2+ properties had to sell ๐ converting non-tax deductible debt into tax deductible & loan splits ๐๐ผ using equity to buy another investment property ๐๐ฝ debt recycling & selling a property that has split loaโฆ
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737 threatened bosses, serial interrupters & managing up
52:09
52:09
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52:09In this episode Shell is joined by Tahnee McWhirter from HumanX to tackle your work problems! They chat about: ๐๐พ dealing with a boss who feels threatened by you ๐๐ผ I don't like my boss ๐ how do I give my boss feedback? ๐๐ฟ how to respond to being constantly interrupted ๐๐ป return to office - yay or nay? ๐๐ฝ setting clear expectations as a leader Connโฆ
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739 should I move from Raiz Invest to Betashares Direct?
20:00
20:00
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20:00Should anon move their $8k share portfolio from Raiz Invest to DHHF on the BetaShares Direct platform? Glen shares his thoughts, touching on: ๐ anon's scenario ๐๐พ investing strategy ๐๐ฟ fee comparison: Raiz vs BetaShares Direct ๐๐ป diversification concerns ๐๐ฝ alternative options e.g. extra mortgage repayments or robo-investing Watch this episode on Yโฆ
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537 what is lifestyle creep and how to manage it
11:40
11:40
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11:40Lifestyle creep happens when your spending quietly grows with your income. In this episode, Dev unpacks what it is and practical ways to keep it under control, touching on: ๐๐พ what is lifestyle creep? ๐๐ฟ what age group does lifestyle creep usually affect more ๐๐ป why is it dangerous? ๐ ways to reduce the risk of lifestyle creep Related episodes ๐ง 53โฆ
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736 public school catchments, property premiums & if theyโre worth it
38:27
38:27
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38:27In this episode John and Rachelle are joined by Eliza Owen, Head of Research at Cotality, to unpack how public school zones influence property values. They discuss Cotality's report on house values inside vs outside of Australia's top public school catchments and whether paying extra to be in-zone really makes sense for families and investors. ๐๐พ sโฆ
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736 is extroversion hot or not, building influence & selling without being salesy
54:28
54:28
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54:28In this episode, Shell is joined by Chad Lawson from u&u Recruitment Partners to unpack extroversion and introversion in the workplace, why influence matters for everyone, and how to sell your ideas without feeling pushy. They discuss: ๐๐ฝ extroversion & introversion at work ๐ why influencing skills are critical for your career ๐๐ฟ how to sell your iโฆ
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738 investing in silver & other precious metals
16:33
16:33
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16:33Silverโs been having a moment lately, but is it really worth the hype? Glen dives into whatโs driving the buzz and what it could mean for your investing. Learn to be a better investor with The Quick Start-Guide to Investing: https://www.moneypodcast.com.au/store Nick Bradley is now over on Youtube! Subscribe to his show, 15 Minute Money: https://yoโฆ
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536 JL Collins on market crashes, asset allocation & legacy wealth (part 2)
45:59
45:59
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45:59In part 2 of this special 2-part series, Dev continues the conversation with JL Collins - author of The Simple Path to Wealth - digging into the mindset and mechanics of building financial independence that lasts a lifetime. They discuss: ๐๐ป stock series vs the book - which one should you read first? ๐๐ฝ why market crashes are a gift when youโre buiโฆ
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735 First Home Guarantee fast-tracked, FOMO traps & buyerโs agent risks
32:41
32:41
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32:41The First Home Guarantee expansion has been brought forward to 1 Oct, sparking urgency in the property market. But should you rush in? Rachelle and John unpack what it means for the property market, the risks of buying just for the sake of it and why having and sticking to your strategy matters more than ever. They touch on: ๐๐พ First Home Guaranteeโฆ
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735 how to lead people who are not like you with Stephanie Chung
50:59
50:59
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50:59Stephanie Chung went from baggage handler to becoming the first Black CEO in private aviation. Sheโs led billion-dollar sales teams, coached executives, and is the author of Ally Leadership: How to Lead People Who Arenโt Like You. In this episode, Stephanie shares practical strategies for leaders who want to build stronger, more inclusive teams: ๐๐ฝโฆ
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737 the 10 questions with Bryce & Alec from Equity Mates
16:05
16:05
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16:05Alec Renehan and Bryce Leske from the popular Equity Mates investing podcast join Glen in this episode to answer the 10 questions! Plus, a chat about Bitcoin, gold, silver & precious metals. ๐๐พ what makes a successful investor? ๐๐ฟ super or non-super investing and why? ๐๐ป mortgage or invest? ๐ what do you think is the biggest barrier to people invesโฆ
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734 understanding the role of a sellerโs agent with Veronica Morgan
26:44
26:44
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26:44Selling property isnโt always straightforward and thatโs where a sellerโs agent (or vendor advocate) can step in. In this episode, John and Rach chat with Veronica Morgan about what a sellerโs agent does, how they differ from real estate agents, and why they can be a game-changer for vendors. Veronica is a buyers agent, co-host of The Elephant in tโฆ
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535 JL Collins on debt, housing myths & why simplicity wins (part 1)
54:53
54:53
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54:53In this first half of a 2-part conversation, Dev sits down with JL Collins the author of The Simple Path to Wealth to explore his updated edition and the timeless principles of financial independence. JL shares his journey from selling fly swatters at age 8 to shaping one of the most influential voices in FIRE. They talk about: ๐๐พ why living below โฆ
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734 becoming a manager of AI: practical tips with Neo Aplin
48:48
48:48
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48:48In today's episode Shell chats with Neo Aplin from Inventium about how to make AI actually useful at work. Neo shares the idea of becoming a โmanager of AI,โ why context matters more than prompts, and how to keep your own critical thinking sharp. They also dive into using AI for everyday tasks, handling privacy worries, and practising tough conversโฆ
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736 selling an investment property, $400k cash: offset vs invest?
12:47
12:47
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12:47Glen answers a listenerโs question about selling an investment property and what to do with the proceeds. With around $400k expected after debts, theyโre torn between investing in index funds or using the cash to offset their next mortgage. Learn to be a better investor with The Quick Start-Guide to Investing: https://www.moneypodcast.com.au/store โฆ
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In today's episode, Dev explains what depreciation is, how it works and how it can save you on tax, particularly if you own a property or run a business. He covers: ๐๐พ what is depreciation? ๐๐ฟ types of depreciating assets ๐๐ป why it's so important ๐ concepts within depreciation ๐๐ผ the two methods - prime cost & diminishing value ๐๐ฝ and practical exaโฆ
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733 property structures explained: trusts, companies & super funds
50:18
50:18
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50:18Most people buy property in their own name, but other structures might suit your strategy. In this episode Rach is joined again by Leah Hall from Lift Accounting for a deep dive into the pros and cons of holding property in discretionary (family) trusts, unit trusts, companies, and self-managed super funds. They cover: ๐๐พ discretionary (family) truโฆ
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733 is it okay to...cc the boss, skip the morning tea, talk about your salary + more
30:23
30:23
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30:23Following on from last week's episode, Shell and Emily Bowen chat about more questionable workplace scenarios, like whether itโs okay to: ๐๐พ skip a team morning tea to focus on your own work ๐๐ฟ cc the boss to nudge someone along who hasn't responded to oyur email ๐๐ป have your video off on a video meeting ๐ bring up your salary in casual convo with โฆ
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Finance content creator (@investwithqueenie) and author Queenie Tan joins Glen in this episode to answer 10 questions: ๐๐พ what makes a successful investor? ๐๐ฟ super or non-super and why? ๐๐ป mortgage or invest? ๐ what do you think is the biggest barrier to people investing? ๐๐ผ do you have to be smart to be good with money? ๐๐ฝ how do you define succeโฆ
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732 Alyce bought her third property by 28
21:16
21:16
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21:16In todayโs episode, Rach chats with Alyce Lewis about her unique and inspiring journey into home ownership and building a property portfolio. By 28, sheโd bought her first home, upsized to a dream lifestyle property with her partner, and added an investment to the mix. Alyceโs story shows how compromise, strategy and a dash of boldness can fast-traโฆ
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533 concessional contributions are maxed, div 296 tax + how much do I need to retire with Vince Scully (part 2)
49:36
49:36
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49:36Today's episode is the second half of Dev's chat with Vince Scully from Life Sherpa (listen to last week's episode for part 1!), where Dev and Vince discuss: ๐๐ป should you make non concessional contributions or invest outside super? ๐ the div 296 tax ๐๐ผ how much do you need in retirement Check out Dev's episode on Div 296 here: Apple Podcast | Spotโฆ
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732 is it okay to...block a coworker, leak your resignation, say no to mentoring + more
36:18
36:18
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36:18Navigating work life often comes with those tricky โis it okay toโฆ?โ moments. In todayโs episode, Shell and Emily Bowen dig into workplace etiquette and whether itโs okay to: ๐ rock activewear or an oodie on a Teams call ๐๐พ block a co-worker on social media ๐๐ฟ tell your colleagues youโre resigning before your boss ๐๐ป turn down a mentoring request ๐โฆ
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Glen interviews Brian Parker, Chief Economist at Australian Retirement Trust in a quick-fire Q&A. Okay... so it's not quite 10 questions, but close enough! ๐๐พ what makes a successful investor in your mind? ๐๐ฟ super or non-super and why? ๐๐ป mortgage or invest? ๐ what do you think is the biggest barrier to people investing? ๐๐ผ do you have to be smartโฆ
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532 invest vs pay mortgage, borrowing for cars, pay off or leave HELP debt + more with Vince Scully (part 1)
37:35
37:35
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37:35In this 2 part chat, Dev is joined by Vince Scully from Life Sherpa to unpack your questions. In part 1 they touch on: ๐๐ฟ pay off mortgage vs invest vs super ๐๐ป using debt recycling ๐ buying a car with cash or a car loan ๐๐ผ should you pay off or leave your HECS/HELP debt Article - Should you buy a car with cash or car loan: https://lifesherpa.com.aโฆ
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731 type vs location, sell or rent Brissy unit, mortgage or invest, servicing multiple loans + more
43:32
43:32
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43:32In today's Q&A John and Rach tackle some great questions around: ๐๐พ property type vs location for wealth creation ๐๐ฟ sell or rent out my Brissy apartment? ๐๐ป invest in property or pay off the mortgage? ๐ invest in third investment property or shares? ๐๐ผ how do people fund and service multiple properties? We're on Youtube! Subscribe to this is propeโฆ
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731 my thoughts on psychological safety, taking feedback & over-preparing
30:41
30:41
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30:41In today's episode Shell dives into three things that have been on her mind lately: ๐๐ป the most underrated career skill that can fast-track your growth ๐ workplaces who weaponise psychological safety ๐๐ผ and what a recent speaking gig fail taught her about over-preparing If you lead teams, check out Shelleyโs business, Boldside: https://www.boldsideโฆ
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In this short and sharp money Q&A, Glen chats with Vince Scully about what makes a good investor, mortgage or invest?, what "making it" with money actually looks like and more! Learn to be a better investor with The Quick Start-Guide to Investing: https://www.moneypodcast.com.au/store Check out Nick Bradleyโs new YouTube show โ15 Minute Moneyโ: httโฆ
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730 love, property and prenups/BFAs (a chat with a family lawyer)
48:10
48:10
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48:10When love and money mix, things can get messy especially if you're not prepared. In this episode, family lawyer and mediator Kate OโGrady joins Rachelle to unpack how to protect your property and finances in a relationship. They cover: ๐๐ฟ the best time to seek advice from a family lawyer ๐ what to document before moving in together ๐๐ฝ conversationsโฆ
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Capital gains tax aka CGT - let's talk about it! Dev unpacks: ๐๐ฟ what is a capital gain + short vs long term gain ๐๐ป what is capital gains tax ๐ exemptions ๐๐ผ what are personal use items? ๐๐พ how does joint ownership affect CGT ๐๐ฝ what is cost base ๐๐ป examples of CGT calculations Dev Raga Personal Finance is proudly supported by Sphere Home Loans anโฆ
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730 whatโs your work reputation really saying about you?
43:51
43:51
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43:51You have a reputation at work whether you've defined it or not. In this ep, Shell is joined by Em Bowen to unpack what you're currently known for vs what you want to be known for. They cover: ๐๐พ how to define and shift your workplace reputation ๐๐ฟ the risk of overcorrecting your strengths ๐๐ป why โauthenticityโ can derail your career ๐ perception vsโฆ
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732 turning your home into an investment property
12:48
12:48
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12:48Thinking of moving out and renting your home? In this episode, Glen James is joined by Rachelle Kroon to unpack the steps you need to take when turning your principal place of residence into an investment property. Learn to be a better investor with Glen and Nickโs book, 'The Quick Start-Guide to Investing': https://amzn.to/3QNNrbv Check out Nick Bโฆ
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Should you invest only in Australian equities? Glen shares his thoughts. Learn to be a better investor with Glen and Nickโs book, 'The Quick Start-Guide to Investing': https://amzn.to/3QNNrbv Check out Nick Bradleyโs new YouTube show โ15 Minute Moneyโ: https://youtube.com/@15minutemoney?si=GOLaFNrEqh5iUCJ1 Have a question or topic for the show? Posโฆ
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730 how to get comfortable with investing risk
11:48
11:48
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11:48Investing always involves some level of risk but how do you get comfortable with that? Glen unpacks why education, diversification and experience are the keys to making peace with market ups and downs. Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://amzn.to/4dE11ai Check out Nick Bradleyโs new YouTube show,โฆ
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729 how to get out of analysis paralysis and start investing
12:12
12:12
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12:12Feeling stuck on the sidelines because you're afraid to make the wrong investment move? Glen shares some strategies for tackling analysis paralysis to help you get out of your own way and take action. Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://amzn.to/4dE11ai Check out Nick Bradleyโs new YouTube show โโฆ
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In this episode Dev explains the concept of opportunity cost, touching on: ๐๐พ what it is and how it differs from sunk cost ๐๐ฟ a formula for working out opportunity cost ๐๐ป where you can apply the concept of opportunity cost beyond finances Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Cโฆ
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729 flipping houses in the USA with Brandon Rickman (how it works, risks, financing + more)
54:37
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54:37In today's episode John and Rach chat with Brandon Rickman aka The Flip Genius about what itโs really like flipping houses in the US. With 25 years of experience and over 500 flips under his belt, Brandon breaks down how he finds deals, funds renovations, and builds wealth in a market that operates very differently to ours. They chat about: ๐๐พ how โฆ
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729 personal branding icks, why 4dww fizzled, stop saying kind regards & work wardrobe yay or nay (campfire chat)
50:38
50:38
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50:38In this campfire chat, Shell is joined by Glen James and Chad Lawson for a candid convo on all things work. They unpack the icks of personal branding, why the 4-day work week hype has faded, whether "hiya" and โkind regardsโ belong in the bin and their thoughts on having a work wardrobe. If you lead teams, check out Shelleyโs business, Boldside: htโฆ
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728 the 10 random stocks quietly crushing the market
19:16
19:16
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19:16Itโs Nickโs final episode of this is investing before he kicks off his new YouTube show, 15 Minute Money! Before handing the mic over to Glen James, heโs diving into a bunch of lesser-known stocks that have massively outperformed expectations. ๐บ Follow Nickโs new YouTube channel: https://www.youtube.com/@15minutemoney Grab Nick & Glenโs book, The Qโฆ
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728 state-by-state tenancy law changes, rent caps, eviction rules + more
51:50
51:50
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51:50In today's episode John and Rachelle break down the latest tenancy law changes across every Aussie state and territory. Staying across these updates is crucial, whether you're a tenant or landlord! Support adults and kids impacted by domestic violence: https://www.friendswithdignity.org.au/ ๐ Sort Your Property Out & Build Your Future: https://www.โฆ
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728 HR experts take on Coldplay kiss cam and bad romance at work
58:51
58:51
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58:51Plus 5 red flags when you're in love at work! If you lead teams, check out Shelleyโs business, Boldside: https://www.boldside.com.au/ Shell & Glenโs book 'Sort Your Career Out & Make More Money' is available here: https://amzn.to/4k3YSrr We hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and โฆ
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727 Glen interviews Nick Bradley + announcement of future plans
21:52
21:52
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21:52Today Glen's hijacking the mic to interview Nick about his FIRE journey, investing lessons, and whatโs next. They chat about regrets (like paying off the mortgage early), passive income, and the launch of Nickโs new YouTube project 15 Minute Money. ๐บ Follow Nickโs new YouTube channel: https://www.youtube.com/@15minutemoney Nick & Glenโs book 'The Qโฆ
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727 where to invest for under $700k, when to sell, buying in Melbourne, using 100% equity + more
39:49
39:49
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39:49We asked what you wanted to know and you delivered. John and Rachelle answer your questions: ๐๐พ why donโt some banks pass on rate cuts? ๐๐ฟ can you use 100% equity to purchase an investment? ๐๐ป are there still neutrally and positively geared properties in this market? ๐ how much growth is enough to consider selling a property? ๐๐ผ apartment vs townhoโฆ
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529 the 5 fundamental rules every smart investor follows
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12:10Thereโs no shortage of investing advice out there, but some principles stand the test of time. In this episode, Dev breaks down 5 essential rules that smart investors live by. Simple, powerful habits to help you build real wealth over time. Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? โฆ
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727 what new leaders need to thrive & why star players aren't always great leaders
45:46
45:46
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45:46Just because you're the best at your job doesnโt mean you'll be great at leading others. In this episode, Shell and Chad unpack why promoting top performers into leadership roles so often goes wrong, plus what it really takes to thrive as a new leader. They talk about: ๐๐ผ why the best team member doesn't always make the best leader ๐๐พ leading is a โฆ
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726 I'm selling SCHD & exploring 3 other high-income ETFs
20:46
20:46
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20:46SCHD has been one of my core dividend holdings for years but it is now time to look into new options with a higher dividend yield. Let's analyse 3 strong contenders: ADX, QQQI and PutW. Nick & Glenโs book 'The Quick Start-Guide to Investing' is available here: https://amzn.to/3QNNrbv Have a question or topic for the show? Post it in our Facebook grโฆ
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Can Stockholm Syndrome apply to your investing strategy? Let's take a look! Dev unpacks: ๐๐พ what exactly happened in 1973 ๐๐ฟ how the term Stockholm Syndrome came about ๐๐ป how this is relevant to investing ๐ and a worked example Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out httโฆ
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726 building a $3m property portfolio in 4 years (Eloise & Liam's story)
46:05
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46:05Eloise and Liam are rentvesting while living in Sydney and have built a $3 million+ property portfolio in just four years. In this episode, Eloise shares the practical steps they took to get started, build momentum and make strategic decisions along the way with the long term goal of financial freedom. From using her finance background to assess boโฆ
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726 is hustle a dirty word, weaponising incompetence & relaxing vs laziness
32:05
32:05
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32:05In today's episode Shell unpacks some big topics with Chad Lawson from u&u Recruitment Partners: ๐๐ป is hustle a dirty word and what's the difference between hustle & hard work? ๐ are you choosing to actively rest or are you being lazy? ๐๐ผ playing to your strengths vs weaponising your own incompetence Connect with Chad Lawson on LinkedIn here: httpsโฆ
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