gen z money

Not entirely sure what a financial adviser actually does or how they can help you? This one's for you! In this episode, James Millard, director and head financial adviser at Sufficient Funds, joins Azaria on the podcast to touch on: 👉🏻 how a financial adviser can provide value in ways that books and podcasts can't 👉 seeing an adviser vs seeing an accountant, what's the difference? 👉🏽 how advisers charge 👉🏿 how to reach out to an adviser 👉🏻 the process of working with an adviser 👉 how to vet an adviser and find the right fit for you and your situation Wondering what a first meeting would go down like? Check out the my millennial money episode where James meets with new clients, Blake and Jas, here: https://player.whooshkaa.com/episode?id=745782 If you'd like to get in touch with James to chat about your situation, head to https://www.sortyourmoneyout.com/reach-out Thanks to Up Bank for supporting gen z money! Sign up with them and get $5 in your new account: https://link.up.com.au/GENZMONEY. Product & offer T&Cs @ up.com.au/terms. Up accounts issuer Bendigo & Adelaide Bank. Need a way to manage your cash? Check out Glen's online course using the link below - get $20 off when you use the code "genz": For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/genz-shownotes 🛑 This podcast 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 podcast 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 podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia. We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

You don't have to go into the property game alone, bring a friend or family member! In this episode John Pidgeon, co-host of my millennial money and my millennial property, joins Azaria for the final chapter of the property series, talking about: 👉🏽the difference between buying as a married couple vs de facto couple 👉🏻splitting mortgage repayments between those who buy together 👉whether you can access first home buyer concessions if the other party has already accessed those 👉🏿whose name goes on the title and how you can protect your ownership of the property 👉🏽the importance of getting legal advice around buying a property with someone else 👉🏻how to wrap up the arrangement if it ever comes time to end the agreement and move on 👉🏾things to consider before pressing go - is buying together going to be the best thing for your relationship with this person? Subscribe to my millennial property for more eps about property fun: https://player.whooshkaa.com/shows/my-millennial-property Thanks to Up Bank for supporting gen z money! Sign up with them and get $5 in your new account: https://link.up.com.au/GENZMONEY. Product & offer T&Cs @ up.com.au/terms. Up accounts issuer Bendigo & Adelaide Bank. Need a way to manage your cash? Check out Glen's online course using the link below - get $20 off when you use the code "genz": For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/genz-shownotes 🛑 This podcast 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 podcast 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 podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia. We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

A mortgage is a big thing to sign up for, so it's important to know how it works and how you can have it set up to suit your situation. Co-host of my millennial money and my millennial property, John Pidgeon, joins Azaria to help talk through: 👉🏼who sets up your mortgage and some options for how you can set up repayments (get the help of an awesome mortgage broker) 👉🏾how to choose the right mortgage product for you 👉a few tricks to pay off your mortgage sooner 👉🏻some terminology you'll need to understand before you sign on the dotted line (fixed rate, variable rate, principle, interest, offset account, lenders mortgage insurance (LMI)) 👉🏼the way interest works and what a principle + interest (P+I) vs interest only loan looks like If you'd like to chat with someone about your situation, get in touch: https://www.sortyourmoneyout.com/reach-out Subscribe to my millennial property: https://player.whooshkaa.com/shows/my-millennial-property Thanks to Up Bank for supporting gen z money! Sign up with them and get $5 in your new account: https://link.up.com.au/GENZMONEY. Product & offer T&Cs @ up.com.au/terms. Up accounts issuer Bendigo & Adelaide Bank. Need a way to manage your cash? Check out Glen's online course using the link below - get $20 off when you use the code "genz": For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/genz-shownotes 🛑 This podcast 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 podcast 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 podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia. We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

In this episode John Pidgeon explains step-by-step what to expect from the house buying process, touching on: 👉getting finance - how useful mortgage brokers are 👉🏿what pre-approval means and the documents they'll need from you in order to get it 👉🏽how you start making offers on properties once you get pre-approval 👉🏻the checks you'll want to do before locking in a house 👉🏼what a cooling off period is and what you can do during that time 👉🏾what settlement is - how many days it is, some of the things you'll do, and some of the things your conveyancer and finance team will sort 👉🏻how important it is to have a solid team supporting you - a mortgage broker and conveyancer (and the areas they'll look after) Subscribe to my millennial property: https://player.whooshkaa.com/shows/my-millennial-property Thanks to Up Bank for supporting gen z money! Sign up with them and get $5 in your new account: https://link.up.com.au/GENZMONEY. Product & offer T&Cs @ up.com.au/terms. Up accounts issuer Bendigo & Adelaide Bank. Need a way to manage your cash? Check out Glen's online course using the link below - get $20 off when you use the code "genz": For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/genz-shownotes 🛑 This podcast 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 podcast 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 podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia. We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

Just because property CAN be a good investment, it doesn't mean everyone SHOULD buy property right this very second. Sometimes it's not the right time or choice for your situation. In this episode Azaria shares her thoughts on this idea, touching on: 👉🏾not all property goes up in value 👉sometimes it's ok to focus on gaining experiences out in the world rather than settling into a property - go live! 👉🏻going crazy hard to save for property might not suit your circumstances - especially if you're studying or working casually/part-time 👉🏽there are many options for investing - and some may suit your goals or needs better than property 👉🏾property has a lack of liquidity - you can't slice a room off your house and sell it if you need to access cash 👉🏽property and its risks might not suit the level of risk you're prepared the handle, or your "risk profile" Thanks to Up Bank for supporting gen z money! Sign up with them and get $5 in your new account: https://link.up.com.au/GENZMONEY. Product & offer T&Cs @ up.com.au/terms. Up accounts issuer Bendigo & Adelaide Bank. Need a way to manage your cash? Check out Glen's online course using the link below - get $20 off when you use the code "genz": For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/genz-shownotes 🛑 This podcast 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 podcast 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 podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia. We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

First home buyer grants and concessions can be confusing, but never fear, John Pidgeon is here! John is the co-host of my millennial money and my millennial property and has been a property investor himself for almost 20 years. In this episode he joined Azaria to help demystify the grants and concessions available for first home buyers. The chat touches on: 👉First Home Buyer Assistance scheme (FHBAS) 👉🏻First Home Owner's Grant (New Homes) scheme (FHOG) 👉🏿First Home Loan Deposit Scheme 👉🏾HomeBuilder grant scheme (https://treasury.gov.au/coronavirus/homebuilder) 👉🏽Lenders Mortgage Insurance (LMI) Check out the information relating to your state here: https://www.firsthome.gov.au/ If you'd like to book a clarity call in with John get in touch with us here: https://www.sortyourmoneyout.com/reach-out Thanks to Up Bank for supporting gen z money! Sign up with them and get $5 in your new account: https://link.up.com.au/GENZMONEY. Product & offer T&Cs @ up.com.au/terms. Up accounts issuer Bendigo & Adelaide Bank. Need a way to manage your cash? Check out Glen's online course using the link below - get $20 off when you use the code "genz": For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/genz-shownotes 🛑 This podcast 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 podcast 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 podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia. We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

Co-host of my millennial property, Emily Wallace, joins Azaria to kick off a fun series about property! In this episode the convo touches on: 👉🏻the work Emily does as a Buyers Advocate 👉🏾the factors that make or break a great property investment 👉🏼how to find the perfect location for you - the key things to assess 👉figuring out if you want to live in what you buy, or rent it out as an investment 👉🏾what's the difference between buying a old vs new place? (check out the my millennial property episode about this: https://player.whooshkaa.com/episode?id=727806) 👉🏼how COVID-19 seems to have affected property markets 👉🏻should you buy for your current lifestyle, or future lifestyle? 👉🏿checks and research you should do when making offers and buying Head over and subscribe to my millennial property: https://player.whooshkaa.com/shows/my-millennial-property If you'd like some help for buying a property reach out at: https://www.sortyourmoneyout.com/reach-out Thanks to Up Bank for supporting gen z money! Sign up with them and get $5 in your new account: https://link.up.com.au/GENZMONEY. Product & offer T&Cs @ up.com.au/terms. Up accounts issuer Bendigo & Adelaide Bank. Need a way to manage your cash? Check out Glen's online course using the link below - get $20 off when you use the code "genz": For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/genz-shownotes 🛑 This podcast 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 podcast 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 podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia. We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

Buying secondhand cars can be a really great way to get great value for money - buying new cars can be soooo exxy. Azaria has just bought a new secondhand car so she debriefed how she went about it, touching on: 👉🏼determining your budget - including the cost of the car, insurances, registration, fuel and servicing costs 👉🏾narrowing down your preferred make and model of car 👉assessing how many kilometres potential cars have driven 👉🏿the age of potential cars 👉🏽ensuring the car you have is safe (this is so important) 👉🏻organising a REVS check on the vehicle: https://www.revscheck.com.au/ 👉🏽negotiating price and coming to an agreement with the seller in writing Thanks to Up Bank for supporting gen z money! Sign up with them and get $5 in your new account: https://link.up.com.au/GENZMONEY. Product & offer T&Cs @ up.com.au/terms. Up accounts issuer Bendigo & Adelaide Bank. Need a way to manage your cash? Check out Glen's online course using the link below - get $20 off when you use the code "genz": For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/genz-shownotes 🛑 This podcast 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 podcast 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 podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia. We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

Glen (host of my millennial money) jumps on the show with Azaria to share some tips for how to prepare for buying a home, chatting about: 👉🏻sorting your cashflow and money management 👉🏿the kinds of transactions in your account that banks or lenders will look at 👉saving a deposit vs organising a parental guarantor 👉🏽some of the schemes out there to assist first home buyers 👉🏿tips for making sure your repayments aren't sending you into mortgage stress 👉🏻when you go to a mortgage broker and the steps to cover before you head to them 👉some of the terminology to understand before you buy Listen to the my millennial property episode about parental guarantees: https://player.whooshkaa.com/episode?id=685410 Here's an example of a clarity call with John Pidgeon, host of my millennial property: https://player.whooshkaa.com/episode?id=566632 If you're keen to connect with a mortgage broker from our trusted panel, get in touch: https://www.sortyourmoneyout.com/reach-out Thanks to Up Bank for supporting gen z money! Sign up with them and get $5 in your new account: https://link.up.com.au/GENZMONEY. Product & offer T&Cs @ up.com.au/terms. Up accounts issuer Bendigo & Adelaide Bank. Need a way to manage your cash? Check out Glen's online course using the link below - get $20 off when you use the code "genz": For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/genz-shownotes 🛑 This podcast 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 podcast 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 podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia. We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

Queenie is a YouTuber who loves all things personal finance, but particularly investing! In this episode she joins Azaria to chat about: 👉how she began investing, and some other ways you can start dabbling as well 👉🏽starting to determine your risk tolerance 👉🏾finding a community of people who also love investing to keep you inspired and on track with your investing goals 👉🏿some really easy tips to help you keep investing 👉🏻focusing on being consistent with how and when you invest 👉🏽some platforms available out there you can start using to get some investing experience Go and subscribe to Queenie's YouTube channel: https://www.youtube.com/channel/UCOYBaRNdosHLQvIZc1DNHDg If you're keen to hear more info about micro-investing, listen to the my millennial money episode around some of the micro-investing apps available: https://player.whooshkaa.com/episode?id=641788 Thanks to Up Bank for supporting gen z money! Sign up with them and get $5 in your new account: https://link.up.com.au/GENZMONEY. Product & offer T&Cs @ up.com.au/terms. Up accounts issuer Bendigo & Adelaide Bank. Need a way to manage your cash? Check out Glen's online course using the link below - get $20 off when you use the code "genz": For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/genz-shownotes 🛑 This podcast 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 podcast 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 podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia. We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.