Money Chats

Money Chats

By Bounce Financial

Are you in your 30s, 40s or 50s and navigating life's big financial transitions? Money Chats explores all the options available to you to grow your wealth, health and happiness. *Ben and Cara Brett are licensed financial advisers with Bounce Financial Pty Ltd (AFSL:529109).
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Currently playing episode

66: Superannuation- Why Early Contributions Matter

Money ChatsMar 02, 2025
00:00
12:52
73: Finance things we have changed our mind on

73: Finance things we have changed our mind on

In this episode, Ben and Cara reflect on the things they used to recommend but have since changed their mind on

Jun 08, 202514:41
72: Tax deduction strategies for employees

72: Tax deduction strategies for employees

In this episode, Cara and Ben go through some great ways for employees to reduce their tax

May 25, 202513:57
71: Can you afford to upgrade your house?

71: Can you afford to upgrade your house?

In this episode, Ben and Cara explain the steps you need to go through to determine whether you can afford that house upgrade

May 11, 202517:34
70: How do I help my kids buy a house?

70: How do I help my kids buy a house?

In this podcast, Ben and Cara discuss this very common question and give practical examples of how you can start investing to help your children buy a house

Apr 27, 202521:52
69: What is an "In-Specie Transfer"?

69: What is an "In-Specie Transfer"?

In this episode, Cara and Ben discuss what an In Specie Transfer is and how you can use it to save on tax when moving your investments between providers

Apr 13, 202513:43
68: How to keep your Super growing whilst on Maternity Leave

68: How to keep your Super growing whilst on Maternity Leave

In this episode, Ben and Cara outline some of the strategies that exist to help you keep your super growing when taking time out of the workforce.

Mar 30, 202509:38
67: How to Structure an Investment Property Loan

67: How to Structure an Investment Property Loan

In this week's episode, Cara and Ben dive into how you should go about structuring your investment property loan for tax purposes and some of the tips and traps they see.

Mar 16, 202517:11
66: Superannuation- Why Early Contributions Matter

66: Superannuation- Why Early Contributions Matter

In this episode, Ben and Cara explain how super contributions aren't all made equal and how investing earlier has a much greater effect than doing it when you are older.

Mar 02, 202512:52
65: The Disadvantages of Rentvesting

65: The Disadvantages of Rentvesting

In this episode, Ben and Cara explain how rent-vesting works and some of the disadvantages of this strategy.

Feb 16, 202516:37
64: Using leverage to grow your wealth

64: Using leverage to grow your wealth

In this episode, Ben and Cara outline how to use leverage to grow your wealth and what to avoid.

Feb 02, 202523:00
63: How Queensland Government employees are losing thousands of dollars every year

63: How Queensland Government employees are losing thousands of dollars every year

In this episode, Cara and Ben explain how Queensland Government employees are losing thousands of dollars every year in missed tax deductions.

Jan 19, 202513:05
62: Sequencing Risk: A retiree's greatest enemy

62: Sequencing Risk: A retiree's greatest enemy

In this episode, Ben and Cara explain what sequencing risk is and how it can destroy your retirement.

Jan 05, 202524:17
61: When should you cancel your life insurance?

61: When should you cancel your life insurance?

In this episode, Cara and Ben explain when you should look to cancel your life insurances and some of the traps we see people fall into.

Dec 22, 202416:51
60: HR Hacks: how companies make your salary look bigger than it is

60: HR Hacks: how companies make your salary look bigger than it is

In this episode, Ben and Cara explain some of the tricks HR teams are using to make your salary look bigger when it really isn't.

Dec 08, 202419:53
59: The Barefoot Fire Extinguisher

59: The Barefoot Fire Extinguisher

In this episode, Ben and Cara break down what the Barefoot Investor Fire Extinguisher is and why it's probably the most important part of the Barefoot Investor Methodology.

Nov 24, 202417:27
58: Some of our favourite financial strategies

58: Some of our favourite financial strategies

In this episode, Ben and Cara run through various financial strategies they have implemented for clients.

Nov 10, 202425:03
57: How much extra you should pay on your home loan

57: How much extra you should pay on your home loan

In this episode, Cara and Ben break down a great strategy for making sure you're paying enough off your home loan, whilst also ensuring you are enjoying your money now.

Oct 27, 202416:55
56: When to sell your investment property

56: When to sell your investment property

In this episode, Ben and Cara explain when you should think about selling your investment property and some of the things to watch out for.

Oct 13, 202416:16
55: How do you fund retirement?

55: How do you fund retirement?

In this episode, Ben and Cara break down exactly how you go about getting money to live your life in retirement.

Sep 29, 202420:32
54: The 7 Biggest Mistakes High Income Earners Make

54: The 7 Biggest Mistakes High Income Earners Make

Financial Advisers, Ben and Cara break down the 7 biggest mistakes they see amongst their high income earning clients

Sep 15, 202422:14
53: Tax advantages of an investment property

53: Tax advantages of an investment property

In this episode, Ben and Cara run through the different tax advantages of an investment property and the traps to look out for

Sep 01, 202417:07
52: Paying off your home early- how much money you can save

52: Paying off your home early- how much money you can save

In this episode, Cara and Ben discuss how much money you can actually save by putting small extra repayments onto your home loan.

Aug 18, 202413:34
51: Your lifestyle should cost 80% of your income

51: Your lifestyle should cost 80% of your income

In this episode, Cara and Ben explain why your lifestyle should cost 80% of your income and how this can be easily misunderstood.

Aug 04, 202420:05
50: 5 Most Common Misconceptions about Mortgage Brokers with The Newstead Group

50: 5 Most Common Misconceptions about Mortgage Brokers with The Newstead Group

This week, we are joined by Bobby Rein and Kade French, Mortgage Brokers at Newstead Group.

We discuss the 5 biggest misconceptions about mortgage brokers and how they work.

Jul 21, 202429:29
49: Memorable financial lessons which have shaped us

49: Memorable financial lessons which have shaped us

In this week's episode, Cara and Ben outline some of the key financial lessons they have personally learned in their life and how it has shaped the way they think about money.

Jul 07, 202420:34
48: How salary packaging a car works

48: How salary packaging a car works

In this week's episode, Cara and Ben explain how you can salary package a car and the pros and cons of why you would even consider this.

Jun 23, 202418:08
47: Sometimes it's best to focus on earning more

47: Sometimes it's best to focus on earning more

In this week's episode, Cara and Ben jump into the controversial topic of how much you should earn. Particularly for younger people, focusing on your career and earning more may be the best way to improve your financial health over your lifetime.

Jun 09, 202411:02
45: How much do you need to retire?

45: How much do you need to retire?

In this episode, we break down how we go about working out a client's retirement number.

May 12, 202422:06
44: The benefits and risks of salary packaging

44: The benefits and risks of salary packaging

In this episode, Ben and Cara explore salary packaging that is available to employees of not-for-profits or government departments.


They explain how you can use this perk to reduce your tax and the pitfalls to watch out for.

Apr 28, 202411:41
43: What does financial advice look like when its based on your goals

43: What does financial advice look like when its based on your goals

In this episode, Ben and Cara explain what 'Goals Based Advice' is and how it may help you to invest with clarity.

Apr 14, 202420:51
42: What you should do with your money once you pay off your house

42: What you should do with your money once you pay off your house

In this episode, Cara and Ben from Bounce Financial outline some of the financial options you have when you pay off your house. From putting money into super, investing outside of super or buying property, they cover all the possible options.

Mar 31, 202411:38
41: How do you know you are ready for an investment property?

41: How do you know you are ready for an investment property?

In this episode, Cara and Ben run through the pros of having an investment property and the steps you need to go through first to ensure the property makes you money

Mar 17, 202417:09
40: Passive income- what it is and how to get it

40: Passive income- what it is and how to get it

In this episode, Cara and Ben explain what passive income is, why you would want it, and how you can go about getting it

Mar 03, 202410:43
39: The 3 distinct skills of money

39: The 3 distinct skills of money

In this episode, Cara and Ben break down the 3 distinct skills of money and how competence in one area doesn't necessarily translate to others

Feb 18, 202411:32
38: The top 5 questions we get asked as financial advisers

38: The top 5 questions we get asked as financial advisers

In this episode, Cara and Ben discuss the top 5 questions they regularly get asked as financial advisers

Feb 04, 202416:11
37: Buying a house vs buying an investment property

37: Buying a house vs buying an investment property

In this episode, Cara and Ben run through the questions you need to ask yourself when buying a house and buying an investment property and why they are very different

Jan 21, 202428:31
36: Couples managing money, some of the questions and conversations you should have

36: Couples managing money, some of the questions and conversations you should have

In this episode, Cara and Ben run through some questions couples should ask each other about their money values

Jan 07, 202414:02
35: Easy financial habits and mistake to avoid

35: Easy financial habits and mistake to avoid

In this episode, Cara and Ben run through the habits and mistakes they see, which you can avoid to supercharge your finances

Dec 10, 202311:50
34: Top 4 ways to legally reduce your tax

34: Top 4 ways to legally reduce your tax

In this episode, Cara and Ben break down the top 4 ways you can go about legally reducing your tax

Nov 26, 202314:52
33: Downsizing your home for retirement

33: Downsizing your home for retirement

In this podcast, Cara and Ben talk through the options of downsizing your home to unlock some equity for retirement.

Nov 12, 202314:36
32: Season 3 Finale

32: Season 3 Finale

In this episode, Cara and Ben discuss the different episodes of Season 3 and some of the great tips and tricks that have come up along the way.

Jan 29, 202313:41
31: Family trusts and how to use them

31: Family trusts and how to use them

In this episode, Ben and Cara get a little technical to talk about how family trusts work and how you can use them. Like all things in finances, their are pros and cons but this may be a powerful tool to help you grow your family's wealth.
Jan 15, 202312:41
30: What happens when you run out of superannuation?

30: What happens when you run out of superannuation?

In this episode Ben and Cara discuss the grim topic of what happens when you run out of superannuation. Despite popular opinion, your superannuation will not pay your salary for the rest of your life and is a limited amount of money that may run out. In this episode, we discuss how you can try to make it last longer and how the aged pension interacts with your withdrawals.

Jan 01, 202324:00
29: Barefoot Investor Buckets- Why they don't work and how you can make them work

29: Barefoot Investor Buckets- Why they don't work and how you can make them work

In this episode, Ben and Cara explain why people fail at implementing the Barefoot Investor Buckets. They go through how they work for their clients and how you too can structure your budget to take advantage of this power financial tool.

Dec 11, 202219:20
28: Paying off your home vs investing

28: Paying off your home vs investing

In this episode, Ben and Cara run through the pros and cons of investing vs simply paying out your mortgage. They explain how they go about determining what goals suit what action and how you can determine this for yourself.

Nov 27, 202217:17
27: Superannuation- what you need to know

27: Superannuation- what you need to know

In the very complex world of superannuation, Ben and Cara try to break down the basics and give you what you essentially need to know. In this episode, we talk about how to contribute, why you would contribute and how you can spend and access your superannuation.

Nov 13, 202227:50
26: Gaming the tax system- retiring or taking extended leave

26: Gaming the tax system- retiring or taking extended leave

In this deliberately click-baity episode, Cara and Ben explain how different timings of when you retire or take leave can have a huge effect from a tax perspective, and how you can structure your leave to give you more money in the hand.

Oct 30, 202208:35
25: The disadvantages of a one income household

25: The disadvantages of a one income household

In today's episode, Cara and Ben discuss the tax disadvantages of having a one income household. Following a recent LinkedIn post that generated a lot of interest, we explain how disadvantaged you may be and what you can do to fix it.

Oct 16, 202210:08
24: What to do when the sharemarket is crashing

24: What to do when the sharemarket is crashing

In this episode, Cara and Ben run through some of the common questions they get when the sharemarket is crashing and how you can go about protecting yourself. Whether the market is currently crashing or booming, knowing what you will do when the inevitable happens will always put you in a better position.
Oct 02, 202221:30
23: Season 2 Finale

23: Season 2 Finale

In this finale episode of season 2, we run through the different episodes of Season 2 and our thoughts on them. Thank you everyone for your support for Season 2. We love producing Money Chats and are looking forward to Season 3.

Feb 27, 202216:02