
Money Chats
By Bounce Financial


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

72: Tax deduction strategies for employees
In this episode, Cara and Ben go through some great ways for employees to reduce their tax

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

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

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

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.

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.

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.

65: The Disadvantages of Rentvesting
In this episode, Ben and Cara explain how rent-vesting works and some of the disadvantages of this strategy.

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.

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.

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.

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.

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.

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.

58: Some of our favourite financial strategies
In this episode, Ben and Cara run through various financial strategies they have implemented for clients.

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.

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.

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.

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

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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

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

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

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

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

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

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

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.

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.

31: Family trusts and how to use them

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.

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.

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.

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.

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.

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.

24: What to do when the sharemarket is crashing

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.