In this clip, Glen James and Phil Thompson (Skye Wealth) answer your questions about how much life insurance, TPD, trauma, and income protection typically cost, and why pricing varies so much.

This audio is from a clip on the money money money YouTube channel: https://youtu.be/dW_eJedrV5g

money money money is proudly brought to you by Sphere Home Loans. No matter where you are in Australia, their team is ready to assist with your mortgage needs—whether you're purchasing a home, investing in property, or looking to refinance.

Sphere Home Loans: https://www.spherehomeloans.com.au/

Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://amzn.to/4dE11ai

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need: https://email.moneypodcast.com.au/

Need a system to manage your money? Check out the free Glen James Spending Plan here: https://education.moneypodcast.com.au/courses/the-glen-james-spending-plan

This video is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment video as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this video. SYMO interactive Pty Ltd, the publisher of the video, is an authorised representative of MoneySherpa Pty Ltd (as is Glen James) which holds financial services licence 451289. Please read our Financial Services Guide located at moneypodcast.com.au. This video is intended for residents of Australia.

Intro theme:

"Coal" by Hartley

Licensed via Shutterstock Music – royalty-free, commercial use permitted.

Community Segment Theme:

"Tuscan" by Geoffrey Jerrell

Licensed via Shutterstock Music – royalty-free, commercial use permitted.

Midroll Advice Segment:

"Sunset Paradise Pop" by Lesion X

Licensed via Pixabay Music – royalty-free for commercial use.

Outro Music:

"Photograph" by nomaBeats

Licensed via Pixabay Music – royalty-free for commercial use.

No copyright infringement intended. All music used under appropriate commercial licences.

Hosted on Acast. See acast.com/privacy for more information.

If you’re over 60, retired, and about to receive an inheritance, can you open a second pension account to keep under the $2 million transfer balance cap? 👀 And what does that mean for your kids when it comes to tax? In this clip, Glen and Martin break this question down.

This audio is from a clip on the money money money YouTube channel: https://youtu.be/hqc-3JT8Jb8

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the retire right facebook group: https://www.facebook.com/groups/retireright

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here: https://www.moneypodcast.com.au/mmmshownotes

This video is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs. You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions in this video for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. SYMO Interactive Pty Ltd (trading as Retire Right Australia) and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice, which holds Australian Financial Services Licence 243313. Please read our Financial Services Guide at moneypodcast.com.au.

Intro Music:

"80's Movie Marathon" by Luciano Music Co.

Licensed via Shutterstock Music (royalty-free, commercial use permitted).

Segment/Outro Music:

"Photograph" by nomaBeats

Licensed via Pixabay Music – royalty-free for commercial use.

No copyright infringement intended. All music used under appropriate commercial licences.

Hosted on Acast. See acast.com/privacy for more information.

Some people choose to self-manage their own investment properties to 'save money', but is it really worth it? In this clip Glen James, John Pidgeon and Rachelle Kroon discuss this concept.

This audio is from a clip on the money money money YouTube channel: https://youtu.be/s7H-Re4yz3c

money money money is proudly brought to you by Sphere Home Loans. No matter where you are in Australia, their team is ready to assist with your mortgage needs—whether you're purchasing a home, investing in property, or looking to refinance.

Sphere Home Loans: https://www.spherehomeloans.com.au/

Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://amzn.to/4dE11ai

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need: https://email.moneypodcast.com.au/

Need a system to manage your money? Check out the free Glen James Spending Plan here: https://education.moneypodcast.com.au/courses/the-glen-james-spending-plan

This video is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment video as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this video. SYMO interactive Pty Ltd, the publisher of the video, is an authorised representative of MoneySherpa Pty Ltd (as is Glen James) which holds financial services licence 451289. Please read our Financial Services Guide located at moneypodcast.com.au. This video is intended for residents of Australia.

Intro theme:

"Coal" by Hartley

Licensed via Shutterstock Music – royalty-free, commercial use permitted.

Community Segment Theme:

"Tuscan" by Geoffrey Jerrell

Licensed via Shutterstock Music – royalty-free, commercial use permitted.

Midroll Advice Segment:

"Sunset Paradise Pop" by Lesion X

Licensed via Pixabay Music – royalty-free for commercial use.

Outro Music:

"Photograph" by nomaBeats

Licensed via Pixabay Music – royalty-free for commercial use.

No copyright infringement intended. All music used under appropriate commercial licences.

Hosted on Acast. See acast.com/privacy for more information.

Traditional budgets often feel restrictive, but what if your spending plan gave you freedom instead of guilt? Glen James and John Pidgeon unpack mindset, values-based spending, and how to create a money system that supports the life you actually want.

This audio is from a clip on the money money money YouTube channel: https://youtu.be/hy0Cq96Gj98

money money money is proudly brought to you by Sphere Home Loans. No matter where you are in Australia, their team is ready to assist with your mortgage needs—whether you're purchasing a home, investing in property, or looking to refinance.

Sphere Home Loans: https://www.spherehomeloans.com.au/

Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://amzn.to/4dE11ai

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need: https://email.moneypodcast.com.au/

Need a system to manage your money? Check out the free Glen James Spending Plan here: https://education.moneypodcast.com.au/courses/the-glen-james-spending-plan

This video is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment video as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this video. SYMO interactive Pty Ltd, the publisher of the video, is an authorised representative of MoneySherpa Pty Ltd (as is Glen James) which holds financial services licence 451289. Please read our Financial Services Guide located at moneypodcast.com.au. This video is intended for residents of Australia.

Intro theme:

"Coal" by Hartley

Licensed via Shutterstock Music – royalty-free, commercial use permitted.

Community Segment Theme:

"Tuscan" by Geoffrey Jerrell

Licensed via Shutterstock Music – royalty-free, commercial use permitted.

Midroll Advice Segment:

"Sunset Paradise Pop" by Lesion X

Licensed via Pixabay Music – royalty-free for commercial use.

Outro Music:

"Photograph" by nomaBeats

Licensed via Pixabay Music – royalty-free for commercial use.

No copyright infringement intended. All music used under appropriate commercial licences.

Hosted on Acast. See acast.com/privacy for more information.

In this clip Rachelle Kroon and Leah Hall from Lift Accounting for a deep dive into the pros and cons of holding property in discretionary (family) trusts & unit trusts.

This audio is from a clip on the this is property YouTube channel: https://youtu.be/OqBw3bYOCfQ

this is property is proudly brought to you by:

Solvere Wealth: https://www.solverewealth.com.au

Sphere Home Loans: https://www.spherehomeloans.com.au

Grab a copy of John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need: https://email.moneypodcast.com.au/

Learn more about this is property here: https://www.moneypodcast.com.au/property

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Glen James and Rachelle Kroon unpack a detailed listener scenario: a young family in their early 30s with solid income, $52k in their offset account, and $500 a week spare. Should they build their emergency fund, smash down the mortgage, pump up their super, or invest more into ETFs like VGS?

This audio is from a clip on the money money money YouTube channel: https://youtu.be/5fsL-iV5TGA

money money money is proudly brought to you by Sphere Home Loans. No matter where you are in Australia, their team is ready to assist with your mortgage needs—whether you're purchasing a home, investing in property, or looking to refinance.

Sphere Home Loans: https://www.spherehomeloans.com.au/

Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://amzn.to/4dE11ai

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need: https://email.moneypodcast.com.au/

Need a system to manage your money? Check out the free Glen James Spending Plan here: https://education.moneypodcast.com.au/courses/the-glen-james-spending-plan

This video is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment video as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this video. SYMO interactive Pty Ltd, the publisher of the video, is an authorised representative of MoneySherpa Pty Ltd (as is Glen James) which holds financial services licence 451289. Please read our Financial Services Guide located at moneypodcast.com.au. This video is intended for residents of Australia.

Intro theme:

"Coal" by Hartley

Licensed via Shutterstock Music – royalty-free, commercial use permitted.

Community Segment Theme:

"Tuscan" by Geoffrey Jerrell

Licensed via Shutterstock Music – royalty-free, commercial use permitted.

Midroll Advice Segment:

"Sunset Paradise Pop" by Lesion X

Licensed via Pixabay Music – royalty-free for commercial use.

Outro Music:

"Photograph" by nomaBeats

Licensed via Pixabay Music – royalty-free for commercial use.

No copyright infringement intended. All music used under appropriate commercial licences.

Hosted on Acast. See acast.com/privacy for more information.

The transfer balance cap is going from $1.9 million to $2 million on 1 July 2025, but what does that actually mean for your retirement strategy? In this clip, Glen James sits down with financial adviser Martin McGrath to break down how the transfer balance cap works, why it's important, and how the increase might affect your pension phase strategy.

This audio is from a clip on the money money money YouTube channel: https://youtu.be/JPVBod5YhGw

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the retire right facebook group: https://www.facebook.com/groups/retireright

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here: https://www.moneypodcast.com.au/mmmshownotes

This video is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs. You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions in this video for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. SYMO Interactive Pty Ltd (trading as Retire Right Australia) and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice, which holds Australian Financial Services Licence 243313. Please read our Financial Services Guide at moneypodcast.com.au.

Intro Music:

"80's Movie Marathon" by Luciano Music Co.

Licensed via Shutterstock Music (royalty-free, commercial use permitted).

Segment/Outro Music:

"Photograph" by nomaBeats

Licensed via Pixabay Music – royalty-free for commercial use.

No copyright infringement intended. All music used under appropriate commercial licences.

Hosted on Acast. See acast.com/privacy for more information.

We all dream of that sweet, sweet passive income… but is it everything it's hyped up to be? In this honest conversation, Glen James and Jacqui Clarke shares their thoughts on the best forms of passive income, and why chasing them won't magically solve your money problems.

This audio is from a clip on the money money money YouTube channel: https://youtu.be/OXJyF8bBn0E

money money money is proudly brought to you by Sphere Home Loans. No matter where you are in Australia, their team is ready to assist with your mortgage needs—whether you're purchasing a home, investing in property, or looking to refinance.

Sphere Home Loans: https://www.spherehomeloans.com.au/

Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://amzn.to/4dE11ai

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need: https://email.moneypodcast.com.au/

Need a system to manage your money? Check out the free Glen James Spending Plan here: https://education.moneypodcast.com.au/courses/the-glen-james-spending-plan

This video is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment video as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this video. SYMO interactive Pty Ltd, the publisher of the video, is an authorised representative of MoneySherpa Pty Ltd (as is Glen James) which holds financial services licence 451289. Please read our Financial Services Guide located at moneypodcast.com.au. This video is intended for residents of Australia.

Intro theme:

"Coal" by Hartley

Licensed via Shutterstock Music – royalty-free, commercial use permitted.

Community Segment Theme:

"Tuscan" by Geoffrey Jerrell

Licensed via Shutterstock Music – royalty-free, commercial use permitted.

Midroll Advice Segment:

"Sunset Paradise Pop" by Lesion X

Licensed via Pixabay Music – royalty-free for commercial use.

Outro Music:

"Photograph" by nomaBeats

Licensed via Pixabay Music – royalty-free for commercial use.

No copyright infringement intended. All music used under appropriate commercial licences.

Hosted on Acast. See acast.com/privacy for more information.