Money Over 50

By Michael & Ali of Money Over 50 Financial Advisers

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Category: Investing

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Subscribers: 9
Reviews: 0
Episodes: 337

Description

An Australian podcast that provides useful information on retirement planning, superannuation, and the financial world in an easy-to-understand manner. Contact the financial planning experts Michael Hogue and Ali Hogue of Money Over 50 Financial Advisers via email at podcast@mo50.com.au

Episode Date
339 When can you access your super? - AUDIO FIXED
Apr 15, 2024
338 You can't have everything! Be realistic with your goals - AUDIO FIXED
Apr 15, 2024
337 Get more money into Australia's best tax shelter – contribution cap increases
Mar 24, 2024
336 How to choose a financial adviser that is right for you
Mar 17, 2024
335 The Silent Killer - The effects of inflation and purchasing power
Mar 10, 2024
334 Downsizer contributions - tips, tricks & benefits
Mar 03, 2024
333 Are there ways to pay 0% tax besides an account-based pension?
Feb 26, 2024
332 Your $3.8 million tax-free trust
Feb 18, 2024
331 We're Back! Concessionals & Carry-forwards
Feb 12, 2024
330 4 ideas on what to do when you don’t have enough to retire on
Oct 01, 2023
329 Starting a financial plan will include pain
Sep 24, 2023
328 ”I’m a pensioner now” - Beware the power of self-identity
Sep 17, 2023
327 3 Changes to superannuation from 1 July 2023
Sep 10, 2023
326 Say your fears out loud to take their power away
Sep 03, 2023
325 You don’t need to go to the other side of the world to enjoy retirement
Aug 28, 2023
324 Listener Favourite: Knowing you don’t need to work makes work better
Aug 20, 2023
323 Listener Favourite: You can compare things but you can’t compare experiences
Aug 14, 2023
322 Listener Favourite: Why my kids won’t get an inheritance
Aug 06, 2023
321 Listener Favourite: A moral guide to minimising taxes
Jul 30, 2023
320 Listener Favourite: When to take advice
Jul 23, 2023
319 Listener Favourite: 3 simple things (in retirement planning)
Jul 16, 2023
318 Listener Favourite: The best way to avoid panicking in a downturn is not to panic
Jul 09, 2023
317 Listener Favourite: Fridges with ice makers
Jul 02, 2023
316 Listener Favourite: Why a residential investment property is the worst asset to own in retirement
Jun 25, 2023
315 A tale of two horses - Don’t be fooled by low to no volatility if you can’t reach your goals
Jun 18, 2023
314 Contributions age limit – when you are too old to contribute to your super
Jun 11, 2023
313 Carry-forward contributions – increase your tax return and boost your retirement savings
Jun 04, 2023
312 Stage 3 tax cuts - Don’t lose your opportunity to claim a larger tax return
May 28, 2023
311 Listener Favourite: Why should it be easy?
May 21, 2023
310 Listener Favourite: If something cannot go on forever, it will stop
May 14, 2023
309 Listener Favourite: Don’t Listen to Jerry Seinfeld
May 07, 2023
308 You will either die early or you won’t
Apr 30, 2023
307 Only one member of a couple should have a new car
Apr 23, 2023
306 Consistency and compounding
Apr 16, 2023
305 Buying a house won’t make you happy
Apr 09, 2023
304 With structure comes freedom
Apr 02, 2023
303 You can compare things but you can’t compare experiences
Mar 26, 2023
302 You want volatility!
Mar 19, 2023
301 Moving into cash can cost your kids instead of you
Mar 12, 2023
300 5 things to be aware of if your spouse is a different age
Mar 05, 2023
299 Pain from losing money is twice as strong compared to the joy felt from gaining money
Feb 26, 2023
298 Be wary of living out of your home loan
Feb 19, 2023
297 When to take advice
Feb 11, 2023
296 Warren Buffett says you can just own three companies
Feb 04, 2023
295 The green and red numbers
Jan 28, 2023
294 High water marks are dangerous
Jan 21, 2023
293 Building the Lego Titanic
Jan 14, 2023
292 33 Years of retirement
Jan 07, 2023
291 You’re not going to be dead by 80
Dec 31, 2022
290 Why diversify
Dec 24, 2022
289 Should I have bought $160 pyjamas?
Dec 17, 2022
288 Rationality under uncertainty
Dec 10, 2022
287 How cash in the bank can change behaviour
Dec 03, 2022
286 All the interesting discussions are about trade-offs
Nov 27, 2022
285 You can’t get money if you secretly despise it
Nov 20, 2022
284 Stop neglecting yourself!
Nov 13, 2022
283 Do you have any idea how long shares have been around for?
Nov 06, 2022
282 Why companies share prices keep growing
Oct 30, 2022
281 The Simple Things
Oct 27, 2022
280 The first year of retirement is always the most volatile
Oct 09, 2022
279 Free Markets
Oct 02, 2022
278 What I think when I see a city skyline
Sep 25, 2022
277 Supply and demand
Sep 18, 2022
276 Case study: risks of commercial property in retirement
Sep 11, 2022
275 Knowing you don’t need to work makes work better
Sep 04, 2022
274 It’s my turn
Aug 28, 2022
273 You can’t touch this!
Aug 21, 2022
272 Beware the chameleon adviser
Aug 14, 2022
271 A moral guide to minimising taxes
Aug 07, 2022
270 Why you should spread your eggs
Aug 04, 2022
269 Why a retiree could benefit from working
Jul 24, 2022
268 Listener Questions – Working part time in retirement
Jul 17, 2022
267 Don’t listen to Jerry Seinfield
Jul 13, 2022
266 Do you prefer possessions or experiences?
Jul 07, 2022
265 Money is a medium
Jun 28, 2022
264 Fridges with ice makers
Jun 20, 2022
263 It’s all one bucket
Jun 13, 2022
262 Foreign currency transfers
Jun 07, 2022
261 A new thing won’t make you a certain type of person
May 30, 2022
260 All projections are wrong but some are useful
May 22, 2022
259 The percentage of podcasts we dedicate to not panicking
May 15, 2022
258 Why should it be easy?
May 08, 2022
257 Don’t spread your eggs (when you’re already highly diversified)
May 01, 2022
256 75c McDonald ice cream cones (things are going to cost more money in the future)
Apr 24, 2022
255 The stock tip
Apr 17, 2022
254 Directionally right is more important than precision
Apr 10, 2022
253 Having a healthy diet doesn’t guarantee a long & healthy life
Apr 03, 2022
252 There is nothing wrong with a 50% drop (when invested in good quality companies)
Mar 27, 2022
251 Attitudes of money - it can’t make you feel safe and be unreliable at the same time
Mar 20, 2022
250 Happy 30th birthday superannuation
Mar 13, 2022
249 Getting talked back into working after retiring
Mar 06, 2022
248 The best way to avoid panicking in a downturn is to not panic
Feb 27, 2022
247 Why my kids won’t get an inheritance
Feb 23, 2022
246 ”What do you think about buying BHP shares?” ”I don’t...” - The questions that are actually important
Feb 20, 2022
245 Running out of money is not a valid strategy
Feb 16, 2022
244 Listener question - When to draw from cash band?
Feb 13, 2022
243 Listener Question - Super income stream
Feb 09, 2022
242 Pain does exist in this dojo (building for your future isn’t pain-free)
Feb 06, 2022
241 You make your money by holding for 30 years
Feb 02, 2022
240 The Baltic Dry Index
Jan 30, 2022
239 Case study - Getting into position to work part-time within 2 years
Jan 26, 2022
238 Success over 3 decades of retirement
Jan 23, 2022
237 Why we have started charging for our initial consultation
Jan 20, 2022
236 If something cannot go forever, it will stop
Jan 19, 2022
235 Cash is like tinned food, while companies are like a veggie garden
Jan 16, 2022
234 Invest when you have the money, withdraw when you need it
Jan 12, 2022
233 Large companies can‘t be both greedy and risky
Jan 09, 2022
232 Your money has to have a job description
Jan 05, 2022
231 Avocados for $1 from $2 (companies down by 50%)
Jan 02, 2022
230 Ways to get beaten on a protest in retirement planning
Dec 29, 2021
229 Beware of people telling you to ”get out of the share market”
Dec 26, 2021
228 Why balanced funds aren‘t appropriate for retirees
Dec 22, 2021
227 Thoughtful, considered & delayed spending
Dec 19, 2021
226 Money as atomic energy (the compounding nature of investing)
Dec 15, 2021
225 There is no next thing in retirement
Dec 12, 2021
224 You maybe doubling up on cash without even knowing
Dec 08, 2021
223 The market doesn‘t fall, there is just more sellers than buyers
Dec 05, 2021
222 Move the chains (consistently move towards meeting your retirement goals)
Dec 01, 2021
221 Get in the habit of looking for good news (don‘t let the constant negative stories affect your retirement plan)
Nov 28, 2021
219 Why do you fear retirement? And how do these fears affect your potential plan?
Nov 21, 2021
218 3 simple things (in retirement planning)
Nov 14, 2021
217 Getting punched 50% of the time is better than 100% of the time
Nov 10, 2021
216 How long it takes to make $100,000
Nov 07, 2021
215 The future is much brighter than we think
Nov 03, 2021
214 People are still fearful to invest in companies (even though they play a significant role in your future wealth)
Oct 31, 2021
213 Life‘s too short to drink bad wine (plan to do the things you enjoy in your retirement, not to cut back)
Oct 27, 2021
212 CBA shares vs Sydney property (over 30 years)
Oct 24, 2021
211 How to save for retirement without using money
Oct 20, 2021
210 Protect yourself at all times (be careful of investing too conservatively)
Oct 17, 2021
209 Intimediary monkeys (why you need to evolve with the times)
Oct 13, 2021
208 You‘ll spend a quarter of a million dollars in the first 3 years of retirement
Oct 10, 2021
207 Your financial adviser SHOULD BE ”too involved” in your financial life
Oct 06, 2021
206 Poor health decisions vs poor financial decisions
Oct 03, 2021
205 The importance of global companies & diversity
Sep 29, 2021
204 Listener question - Retiring before 60
Sep 26, 2021
203 Do you have a financial adviser or a portfolio manager?
Sep 22, 2021
202 Is a QSuper (or any super fund's) lifecycle investment strategy right for you?
Sep 19, 2021
201Are industry funds as low cost as they claim to be?
Sep 16, 2021
200 Another milestone (what we‘ve learnt & taught over 200 episodes)
Sep 14, 2021
199 Listener Question: What if you‘ve already retired and you don‘t have enough money
Sep 08, 2021
198 My $15,000 car is still going and I haven‘t spent a cent on it
Sep 05, 2021
197 Listener Question: Investing money outside of superannuation
Sep 01, 2021
196 How to convince your spouse to see a financial adviser
Aug 29, 2021
195 "$100k isn't much anymore"
Aug 25, 2021
194 Test drive your retirement
Aug 22, 2021
193 The 1% extras in saving for your retirement
Aug 18, 2021
192 A good financial planning business is like a think-tank (we pull the data and give you the best directions)
Aug 15, 2021
191 Your bank doesn't care about you and that's OK
Aug 11, 2021
190 Listener Question: Life & TPD insurance inside superannuation
Aug 08, 2021
189 Why a good financial adviser is like a good cornerman in boxing
Aug 04, 2021
188 The only numbers that matter (to your retirement savings)
Aug 01, 2021
187 Every time you borrow money, you take it from your future self
Jul 28, 2021
186 The average 60 year old is far more employable than they think
Jul 25, 2021
185 If the ATO doesn't call, you'll know it's me
Jul 21, 2021
184 What if I'm 45 (Why we only work with people over 50)
Jul 18, 2021
183 Why I am right about most things (why I, as your financial adviser, know how decisions will affect you in the future)
Jul 14, 2021
182 How to avoid getting robbed by your financial adviser
Jul 11, 2021
181 We take care of it all, while you can enjoy your financial freedom (Of course you don't want to go to your rectal examinations)
Jul 07, 2021
180 The "hard work, good work" matrix
Jul 04, 2021
179 How to turn $700,000 to $2,000,000
Jun 30, 2021
178 How much income can you draw from an extra $100,000 in retirement savings
Jun 27, 2021
177 Why you shouldn't fix your loan's interest rates
Jun 23, 2021
176 Your house is more like a car than a super fund
Jun 20, 2021
175 Why you probably need 1.1 cars in retirement and what to do about it
Jun 16, 2021
174 Brown M&M's (Why the little things are important)
Jun 13, 2021
173 Living on the Age Pension is better than being a king 500 years ago
Jun 09, 2021
172 Small Business CGT Concessions
Jun 06, 2021
171 How you should setup your own business in semi-retirement (Part 3)
Jun 02, 2021
170 Who should setup their own business in semi-retirement (Part 2)
May 30, 2021
169 Why you should setup your own business in semi-retirement (Part 1)
May 26, 2021
168 No one is raking up cash and setting fire to it
May 23, 2021
167 Setting up investments for the grandkids
May 19, 2021
166 The Dodge Ram index (overconfidence leads to overspending)
May 16, 2021
165 Changes to super contribution caps
May 12, 2021
164 Either save money or stop stressing about it
May 09, 2021
163 Ramsay's kitchen nightmares for retirees
May 05, 2021
162 Getting a good return is not a good retirement goal
May 02, 2021
161 The difference between a good accountant and a good financial adviser
Apr 28, 2021
160 Money spent is kinetic energy, money saved is potential energy
Apr 25, 2021
159 The most likely returns of the last 30 years
Apr 21, 2021
158 There are only 3 things that you need to do, we just don't know what they are yet
Apr 18, 2021
157 Do or do not, there is no try
Apr 14, 2021
156 You're right where you want to be...
Apr 11, 2021
155 Goals, then plan, then portfolio
Apr 07, 2021
154 2 minutes of doing beats 58 minutes of talking
Apr 04, 2021
153 Owning vs lending
Mar 31, 2021
152 Does thinking about money hurt your head?
Mar 28, 2021
151 Bolting it all together - In retirement
Mar 24, 2021
150 Bolting it all together - While you're working
Mar 21, 2021
149 Biases - Why we get caught up with the crowd
Mar 17, 2021
148 Owning the great companies at the push of a button
Mar 14, 2021
147 The good, the bad & the ugly of tax deductions
Mar 10, 2021
146 5 retirement rules of thumb
Mar 07, 2021
145 0% tax if you change employer after age 60
Mar 03, 2021
144 Biases - Why we believe fake news
Feb 28, 2021
143 Why the best financial advisers need their own financial adviser
Feb 24, 2021
142 Why it's not enough to have your balance go up every year
Feb 21, 2021
141 Why would I want share prices to go up?
Feb 17, 2021
140 Biases - Why we struggle to fix our mistakes
Feb 14, 2021
139 We never know why company share prices fluctuate, only that they will
Feb 10, 2021
138 What if I retired and my super dropped by 30%?
Feb 07, 2021
137 We want personalisation, not choice
Feb 03, 2021
136 Biases - Why we make mistakes
Jan 31, 2021
135 Listener Question: Building a 2 bedroom cottage
Jan 27, 2021
134 No one's coming
Jan 24, 2021
133 Federal Budget 2020 tax cuts (we've found the $100pw for you)
Jan 20, 2021
132 Find money and automate
Jan 17, 2021
131 The facts of the last 30 years
Jan 13, 2021
130 Possibility or probability
Jan 10, 2021
129 Covid-19 Podcast: Australia's and the world's great companies finished up 6% for 2020
Jan 08, 2021
128 Is your financial adviser a doctor or a waiter?
Jan 06, 2021
127 The shocking risk of term deposits
Jan 03, 2021
126 Tax planning for show, behavioural advice for dough
Dec 30, 2020
125 Goal focused, long-term and planning driven
Dec 27, 2020
124 Own companies forever and live off the dividends
Dec 23, 2020
123 Protect purchasing power not principal
Dec 20, 2020
122 FAQ - Are you owned by a big corporate?
Dec 16, 2020
121 FAQ - Are they going to put me in a product they get a kickback from?
Dec 13, 2020
119 The 2 biggest problems with our retirement system
Dec 06, 2020
118 Retirement planning risks - Legislative risks
Dec 02, 2020
117 Retirement planning risks - Liquidity risk
Nov 29, 2020
116 FAQ - What if I disagree with what the adviser says?
Nov 25, 2020
115 Why elections don't affect companies prices in the long term
Nov 22, 2020
114 Simplicity is best
Nov 18, 2020
113 Owning an index fund is like picking the 6 best batsman
Nov 16, 2020
112 Diversity leads to better decision making
Nov 11, 2020
111 The difference between gold, property and companies
Nov 08, 2020
110 Retirement planning risks - Sequencing risk
Nov 04, 2020
109 Retirement planning risks - Business risk
Nov 01, 2020
108 FAQ's - Are they going to stop me spending money?
Oct 28, 2020
107 Retirement risks - Market risk
Oct 25, 2020
106 "No" is a complete sentence
Oct 21, 2020
105 The give-up, get-back ratio
Oct 18, 2020
104 Retirement risks - Purchasing power risks
Oct 14, 2020
103 Listener questions - Small business tips and traps
Oct 11, 2020
102 FAQ - Who are your clients?
Oct 07, 2020
101 The highest likelihood of enough vs the highest expected value
Oct 04, 2020
100 5 luxury goods in retirement
Sep 27, 2020
099 A look back: Almost 100 episodes
Sep 25, 2020
098 Why depreciation is a real expense, not just a tax deduction
Sep 24, 2020
097 How to give money to your kids
Sep 21, 2020
096 When to give money to your kids
Sep 17, 2020
095 Why I decided to rent again and why most retirees should
Sep 14, 2020
094 Listener Questions: Selling property now vs at retirement
Sep 10, 2020
093 Definition of a financial adviser
Sep 07, 2020
092 Why we can only take on 50 more clients
Sep 03, 2020
091 Profit first - Part 2 Logistics
Aug 31, 2020
090 Profit first - Part 1 Theory
Aug 27, 2020
089 Investing in one company is like a day at the races
Aug 26, 2020
088 Turning $100 per week into $100,000
Aug 17, 2020
087 What to do after you make a mistake
Aug 13, 2020
086 Retirement planning is a series of sprints not a marathon
Aug 10, 2020
085 Making decisions based on a plan or fear
Aug 06, 2020
084 Taxes in retirement
Aug 03, 2020
083 Why it's not as easy as just buying shares while they're cheap
Jul 30, 2020
081 5 legal loopholes to take advantage of (Version 2)
Jul 27, 2020
082 Listener Question: When to seed 1-2 years worth of income needs in retirement
Jul 27, 2020
080 No boundaries
Jul 23, 2020
079 Listener Question: Low income earners
Jul 20, 2020
078 No such thing as no risk
Jul 16, 2020
077 What does "keep some powder dry" mean?
Jul 15, 2020
076 What matters and what doesn't matter
Jul 09, 2020
075 Case study - 4 years from retirement
Jul 06, 2020
074 Willpower is a myth
Jul 02, 2020
073 Hybrid Vigour
Jun 29, 2020
072 What scares you about retirement?
Jun 25, 2020
071 3 immediate changes you can make
Jun 22, 2020
070 Lack of financial doing is like me not going for my medical tests
Jun 18, 2020
069 Why we only take on new clients over 50
Jun 15, 2020
068 Claiming your $10,000 tax refund
Jun 08, 2020
067 Covid-19 Update: Wind in our sails
Jun 07, 2020
066 Case study - 10 years from retirement with job changes
Jun 04, 2020
065 Case study - Travelling each year and then semi-retiring at age 58
Jun 01, 2020
064 Investing is the worst form of retirement planning excepting for all others
May 28, 2020
063 Why you should make personal contributions to super instead of salary sacrificing
May 25, 2020
062 Hand up VS Hand out
May 21, 2020
061 When to sack the coach (Financial Adviser)
May 18, 2020
060 Final Covid-19 update
May 17, 2020
059 You can't take away risk, you can only shift it
May 11, 2020
058 Covid-19 Update: 24% off everything
May 09, 2020
057 What is an account based pension?
May 08, 2020
056 Why we say companies instead of shares
May 04, 2020
055 Covid-19 Update: Up 5% Mon-Thurs, then down 5% Friday
May 02, 2020
054 Fear of loss Vs. Fear of missing out
Apr 28, 2020
053 Covid-19 Update: 27% off everything
Apr 25, 2020
052 How to add $500,000 to your superannuation balance
Apr 23, 2020
051 Why moving your super into cash could cost you $250,000
Apr 20, 2020
050 Covid-19 Weekly Update: 23% off everything
Apr 17, 2020
049 Why a residential investment property is the worst asset to own in retirement
Apr 15, 2020
048 What does a 30% , 40%, and 57% drop feel like - Part 3
Apr 12, 2020
047 Covid-19 Weekly Update: 25% off everything
Apr 12, 2020
046 What does a 30% , 40%, and 57% drop feel like - Part 2
Apr 10, 2020
045 What does a 30% , 40%, and 57% drop feel like? - Part 1
Apr 08, 2020
044 Why now is a great time for retirement planning
Apr 05, 2020
043 Covid-19 Update: 30% off everything
Apr 04, 2020
042 'When things settle down', and what that really means
Apr 02, 2020
041 Why volatility isn't a sign you did something wrong
Mar 31, 2020
040 Cash is king
Mar 30, 2020
039 How to avoid a 17% inheritance tax
Mar 23, 2020
038 Generation X turns 55
Mar 16, 2020
037 What not to do about market volatility
Mar 09, 2020
036 Soup Nazi
Mar 02, 2020
035 3 ways that people lose money in shares
Feb 24, 2020
034 5 reasons couples argue over money
Feb 17, 2020
033 Should you pay off your mortgage or contribute to super?
Feb 10, 2020
032 We don't live an extravagant lifestyle
Feb 03, 2020
031 What's a good investment?
Jan 29, 2020
030 Making the most of the decade
Jan 21, 2020
029 REPLAY - 015 Different ways to draw an income in retirement
Jan 13, 2020
028 New Year's resolutions
Jan 06, 2020
027 Financial mythbusters
Dec 18, 2019
026 FAQ Part 3 - Do I need to sign a contract?
Dec 08, 2019
025 FAQ Part 2 - What information do I need to provide?
Nov 19, 2019
024 FAQ Part 1 - What are your fees?
Nov 05, 2019
023 Active management VS Index management
Oct 22, 2019
022 What are you worried about?
Oct 10, 2019
021 Why 99% of people shouldn't have SMSFs
Sep 30, 2019
020 Travel in 70s with Maria Pandalai
Sep 19, 2019
019 Travel in 60s with Maria Pandalai
Sep 03, 2019
018 Travel in 50s with Maria Pandalai
Aug 20, 2019
017 Career Change Later in Life with Cathy Boyce
Aug 05, 2019
016 Financial stress VS Financial problems
Jul 26, 2019
015 Different ways to draw an income in retirement
Jul 15, 2019
014 Should you have a budget?
Jun 24, 2019
013 The wrong people to have around you - financially
Jun 11, 2019
012 Top 5 reasons retirement plans get derailed - financial planning without financial doing
Jan 28, 2019
011 Top 5 reasons retirement plans get derailed - not working backwards
Jan 23, 2019
010 Top 5 reasons retirement plans get derailed - not starting today
Jan 23, 2019
009 Top 5 reasons retirement plans get derailed - leaving money on the table
Jan 23, 2019
008 Top 5 reasons retirement plans get derailed - budget is inaccurate
Jan 21, 2019
007 Are private school and university a good investment?
Jan 21, 2019
006 How much will I spend in retirement?
Jan 21, 2019
005 Can we do this on our own?
Jan 16, 2019
004 What super fund should I be in?
Jan 16, 2019
003 Drive a $15,000 car to draw an extra $717,000 in retirement
Jan 15, 2019
002 Semi-Retirement vs Retirement
Jan 15, 2019
001 Downsizing your home, instead of your lifestyle
Jan 15, 2019