The Money Puzzle
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- 12. Nov. 2026
Über den Podcast
Unlock your wealth potential with The Money Puzzle.
Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.
Get tips from leading experts and practical tools to help build lasting wealth.
Submit your questions at [email protected].
Folgen 671
Investing for the late starter (yes, there's still time)
So you started late as an investor: Don't panic, you are not alone and help is at hand. Olivia Maragna of Aspire Retire joins Associate Editor, James Kirby in this episode. In today's show, we cover: How to …
Shownotes
So you started late as an investor: Don't panic, you are not alone and help is at hand.
Olivia Maragna of Aspire Retire joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
- How to catch up on the mortgage and your super
- What to do with student debt
- The traps to avoid for the active investor
- Beyond negative gearing - optimising your best earning years
See omnystudio.com/listener for privacy information.
It's time to refinance your loans - here's what to do
Rising rates and falling property prices always trigger a flood of refinancing, but many of the best deals are done in the early phase of the cycle - like right now! Rasti Vaibhav of the Get RARE buyer's agency …
Shownotes
Rising rates and falling property prices always trigger a flood of refinancing, but many of the best deals are done in the early phase of the cycle - like right now!
Rasti Vaibhav of the Get RARE buyer's agency joins Associate Editor, James Kirby in this episode.
In today's show, we cover:- The magic words...Mortgage Discharge Authority...do they still work?
- Getting the best deal from any bank, including your own lender
- Exploring refinance alternatives such as lengthening your mortgage period
- Optimising the offset - Securing your repayments by using the equity you've accumulated
See omnystudio.com/listener for privacy information.
Special Episode : Listener questions answered
The queue of listener questions at [email protected] has been building up. It's time to tackle the task with one of the best advisers in the market. Hugh Robertson, CEO of Centaur Financial …
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The queue of listener questions at [email protected] has been building up. It's time to tackle the task with one of the best advisers in the market.
Hugh Robertson, CEO of Centaur Financial Services joins Associate Editor, James Kirby on this special episode.
In today's show, we cover:
- Assessing the Anthropic IPO
- The aftermath of the Bathla collapse
- CGT post Budget.
- Too much of a good thing: the listener overloaded with Google shares
- And much, much more
See omnystudio.com/listener for privacy information.
How much super do you need? Finding 'the sweet spot'
Most people focus on hitting a dollar figure when it comes to super savings, but a closer look at the system shows a 'sweet spot' for pension access that serves as the crucial issue for most Australians …
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Most people focus on hitting a dollar figure when it comes to super savings, but a closer look at the system shows a 'sweet spot' for pension access that serves as the crucial issue for most Australians.
Financial adviser, James Gerrard of www.financialadviser.com.au joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
- How much should you have in super
- Finding the 'sweet spot' for pension access
- Avoiding 'the worst of all worlds' where you miss out on easy money
- How to assess 'pension boost' products from the big funds
See omnystudio.com/listener for privacy information.
Death, taxes, and the inevitability of an inheritance tax
As trillions of dollars begin transferring to the next generation, is it only a matter of time before Australia joins other nations to tax an inheritance? Morgan Solomon, Director at Solomon Hollett Lawyers …
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As trillions of dollars begin transferring to the next generation, is it only a matter of time before Australia joins other nations to tax an inheritance? Morgan Solomon, Director at Solomon Hollett Lawyers joins Julie-anne Sprague, Wealth Editor in this episode.
In today's show, we cover:
- The rise of testamentary trusts
- The importance of having a will
- Estate planning and the great wealth transfer
See omnystudio.com/listener for privacy information.
Bricks vs Shares: Here's how the new tax regime changed the maths
It's the age-old question: is an investment property or shares a better investment? The government's tax changes has blown the debate wide open. As Stockspot founder Chris Brycki explains to The Australian's …
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It's the age-old question: is an investment property or shares a better investment? The government's tax changes has blown the debate wide open. As Stockspot founder Chris Brycki explains to The Australian's wealth editor Julie-anne Sprague, the numbers are in. His analysis of a $1m property shows investment property owners need to find an extra $11,000 a year just to stay in the same position as they were before.
Read his analysis in The Australian here
In today's show, we cover:
- Strategies in diversification
- Investing a lump sum or dollar-cost averaging
- Tech stock alternatives
To sign up to The Australian's free wealth newsletter here
See omnystudio.com/listener for privacy information.
How to optimise AI as an active investor
The risks and opportunities of AI become clearer each day, but how do you - the investor - optimise AI while minimising your risks? Daniel Gara, founder of Vectatech.com.au joins Associate Editor, James Kirby …
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The risks and opportunities of AI become clearer each day, but how do you - the investor - optimise AI while minimising your risks?
Daniel Gara, founder of Vectatech.com.au joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
- How to best use AI as an active investor
- Securing your data against later use by AI companies
- Tackling AI questions to get the answers you need
- Anthropic's Claude for financial advisers explained
See omnystudio.com/listener for privacy information.
Private credit's 'wake-up' call (with Charlie Viola)
This is the year reality bites for private credit investors: Put simply, it was too good to be true for several years. More recently, just as everyday investors piled into the space, the numbers have turned …
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This is the year reality bites for private credit investors: Put simply, it was too good to be true for several years. More recently, just as everyday investors piled into the space, the numbers have turned against it.
Charlie Viola of Viola Private Wealth joins Associate Editor, James Kirby, in this episode.
In today's show, we cover:
- Private credit shake-up: The Metrics Credit affair
- Should we compare private credit to shares or bonds?
- Keeping an eye on the fallout from the Bathla collapse
- Passive investing and the problem of poor quality IPOs
See omnystudio.com/listener for privacy information.
FIRE- Finding your magic number for financial independence
The Financial Independence Retire Early (FIRE) movement has been re-energised through an offshoot tagged as COAST. It's all about the magic number you need to save, which allows you to ahem coast through the …
Shownotes
The Financial Independence Retire Early (FIRE) movement has been re-energised through an offshoot tagged as COAST. It's all about the magic number you need to save, which allows you to ahem coast through the rest of your life without money issues. Would it work for you?
Lionel Lee, author of 'Into The Moneyverse' joins Associate Editor, James Kirby in this episode.
In today's show, we cover:- FIRE - What you need to know
- How the COAST principle works
- Adapting for the Australian super system
- Should you save inside or outside super?
See omnystudio.com/listener for privacy information.
'Stock overhang'- Inside the property market's biggest issue
The Spring season's 'stock overhang' will determine the outlook for the property market. It will also provide an early guide on where the bargains will emerge for investors. Angus Moore, senior economist at …
Shownotes
The Spring season's 'stock overhang' will determine the outlook for the property market. It will also provide an early guide on where the bargains will emerge for investors.
Angus Moore, senior economist at Realestate.com.au joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
- Stock overhang - The markets with the most for sale
- Will vacancy rates stay low if prices drop further?
- Is Melbourne the value hunter's opportunity?
- Negative gearing new homes - signs of life inside industry data
See omnystudio.com/listener for privacy information.
Higher rates, lower returns: Is Australia still investable?
Higher taxes, an aging population and hopeless productivity growth ...is Australia the best place to put your money?In today's show, we cover... What investors can draw from the government's inter-generational …
Shownotes
Higher taxes, an aging population and hopeless productivity growth ...is Australia the best place to put your money?
In today's show, we cover...- What investors can draw from the government's inter-generational report
- Does the productivity gap with the US explain Wall Street's superior returns?
- Why rates will be higher for longer
- Gold takes a step backwards in its forward march
Paul Bloxham, chief economist at HSBC Australia, joins Associate Editor James Kirby in this episodeSee omnystudio.com/listener for privacy information.
Investing in your home versus building a share portfolio
The removal of negative gearing from existing residential property, coupled with sliding values for investment property, has changed the game for every investor. The new dilemma is whether you invest in your …
Shownotes
The removal of negative gearing from existing residential property, coupled with sliding values for investment property, has changed the game for every investor. The new dilemma is whether you invest in your CGT free family home or instead place that money in the long-running bull market for shares.
Stuart Wemyss of the Prosolution Private Office joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
- Running the numbers on the family home versus a share portfolio
- Gearing into the share market while only paying a mortgage rate of interest
- The power of Exchange Traded Funds in a geared share portfolio
- Why foreign currency in a local bank is not guaranteed
See omnystudio.com/listener for privacy information.
Why the $175 billion man still likes the sharemarket (with UniSuper's John Pearce)
Managing $175 billion for UniSuper would keep anyone on their toes. It also helps to clarify a clear view on every asset class from US shares to private credit. So what does UniSuper's chief investment officer …
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Managing $175 billion for UniSuper would keep anyone on their toes. It also helps to clarify a clear view on every asset class from US shares to private credit. So what does UniSuper's chief investment officer think will happen next?
John Pearce, the chief investment officer at UniSuper joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
- The outlook for shares
- Why a 'back to normal' bond market has an upside
- Keeping clear of AI-linked IPOs
- The true definition of a 'balanced fund'
See omnystudio.com/listener for privacy information.
Wall Street rewards...but should you hedge?
Big super funds hedge up to 50 per cent of their offshore investments: The textbooks say you should hedge about one third of any exposure overseas.But the hedging level of most Australian investors, including …
Shownotes
Big super funds hedge up to 50 per cent of their offshore investments: The textbooks say you should hedge about one third of any exposure overseas.
But the hedging level of most Australian investors, including ETF investors, is generally close to zilch!
In today's show, we cover...- Should you be hedging that increased offshore share allocation ?
- Electrified economy - The long-term investment attraction of electrification
- Second thoughts on bonds...when the tide turns, could they save you?
- Why gold will pay off longer term
Dr Sam Wylie of the Windlestone Education group and the University of Melbourne joins associate editor, James Kirby in this episode
See omnystudio.com/listener for privacy information.
The career choices that matter for long term wealth
How do you get a pay rise? Should you join that start-up that promises to go to the moon, or should you simply buy your first home a lot sooner than you had planned?In today's show, we cover: Career Control …
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How do you get a pay rise? Should you join that start-up that promises to go to the moon, or should you simply buy your first home a lot sooner than you had planned?
In today's show, we cover:- Career Control - The finances of career navigation
- Catching up - Investment tips for the late starter
- Your career and your SMSF - Getting business to pay you rent
- Sweat equity - Deciding if you should jump to a start-up
Adviser and author, Jacqui Clarke, joins Associate Editor, James Kirby, in this episodeSee omnystudio.com/listener for privacy information.
Cash is king again...here's why
Interest rates are moving higher worldwide, but this time around it's for good reason: The AI boom is fuelling tremendous returns on global share markets.As the game gets riskier, your cash is now returning …
Shownotes
Interest rates are moving higher worldwide, but this time around it's for
good reason: The AI boom is fuelling tremendous returns on global share markets.
As the game gets riskier, your cash is now returning nearly 5 per cent risk-free; it's getting
hard to beat
In today's show, we cover...- Why cash is beating total bond returns out the door
- Investing in a high-rate, high-return market
- New traps - Private credit is on the wrong side of the rate cycle
- Infrastructure shines through as rates run higher
Will Hamilton of Hamilton Wealth Partners joins Associate Editor James Kirby in this episode
See omnystudio.com/listener for privacy information.
You can't take it with you...but you should do this
If you don't have a Will, that's plain stupid. If you have a Will, you should also consider a Testamentary Discretionary Trust...and if you have done that too, you'd better watch the new Budget reforms because …
Shownotes
If you don't have a Will, that's plain stupid. If you have a Will, you should also consider a Testamentary Discretionary Trust...and if you have done that too, you'd better watch the new Budget reforms because you may have to make changes.
In today's edition, we cover...- Estate planning - The basics for the everyday investor
- Testamentary Discretionary Trust - They escaped new taxes, check them out
- Trust reforms - If your family trust is being restructured, it may affect your Will
- Tackling the 17 per cent tax on inherited super.
Estate planning lawyer, Rachael Rofe,+ joins Associate Editor, James Kirby in this episode.See omnystudio.com/listener for privacy information.
How to invest in the data centre boom
It's the biggest investment upsurge we have seen since the LNG gas expansion of more than a decade ago: Data centre construction will make or break investors in the years ahead...how to play it? Emanuel Datt of …
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It's the biggest investment upsurge we have seen since the LNG gas expansion of more than a decade ago: Data centre construction will make or break investors in the years ahead...how to play it?
Emanuel Datt of Datt Capital joins Associate Editor, James Kirby, in this episode.
In today's show, we cover:
* Your jungle guide to the $150bn data centre boom
* The hottest stocks at the centre of the action
* "Picks and shovels' - the service companies investors prefer
* Proxy bets - how money is raised behind the scenes to fuel the boomSee omnystudio.com/listener for privacy information.
Gold...are you ready for a rebound?
The gold price bounced in August, suggesting the yellow metal may soon recommence the rally that enthralled investors across 2025: It might be time to top up....In today's show, we cover The outlook for gold A …
Shownotes
The gold price bounced in August, suggesting the yellow metal may soon recommence the rally that enthralled investors across 2025: It might be time to top up....
In today's show, we cover- The outlook for gold
- A gold digger's favourite picks
- Why gold miners so often blow their prospects
- Raleigh Finlayson - The rise of a gold dynamo
Cameron Judd of the Victor Smorgon Partners Resources Gold Fund joins Associate Editor, James Kirby in this episodeSee omnystudio.com/listener for privacy information.
Why property bargain hunters can hang tight... this downturn is only starting
House price falls have some way to go, and now that we have the clear and present danger of more rate hikes, bargain hunters have time to kill. In today's show, we cover; How the downturn will deepen from here …
Shownotes
House price falls have some way to go, and now that we have the clear and present danger of more rate hikes, bargain hunters have time to kill.
In today's show, we cover;- How the downturn will deepen from here
- Can the first home market stay unaffected?
- Housing developer busts - Bathla will not be an isolated case
- The Spring pile-up - waiting for an avalanche of new listings
Cameron Kusher of Kusher Consulting joins Associate Editor James Kirby in this episode
See omnystudio.com/listener for privacy information.
Mortgage or super? Where should I put my extra money?
It's the hot-button question for so many investors - how to optimise any spare cash they may have on hand. For younger investors it's often the mortgage; for older investors it's often putting the money into …
Shownotes
It's the hot-button question for so many investors - how to optimise any spare cash they may have on hand. For younger investors it's often the mortgage; for older investors it's often putting the money into super (before it's too late) But which is it for you?
Olivia Maragna of Aspire Retire joins Associate Editor, James Kirby in this episode.
In today's show, we cover:- Super for mortgage...what to do?
- Did super win or lose in the Budget?
- Are we close to the peak in the current mortgage cycle
- The home that negative gearing forgot
See omnystudio.com/listener for privacy information.
How to invest for your kids
"I want to help the kids, how do I start?' It's one of the most common questions we get on the podcast, and it's time to tackle it head on. Dr Doug Turek of Minchin Moore joins Associate Editor, James Kirby in …
Shownotes
"I want to help the kids, how do I start?' It's one of the most common questions we get on the podcast, and it's time to tackle it head on.
Dr Doug Turek of Minchin Moore joins Associate Editor, James Kirby in this episode.
In today's show, we cover:- How to start an investment for a child
- A smart approach to school fees
- What to do about HECS
- Helping with a first home purchase
See omnystudio.com/listener for privacy information.
Healthy rebound: How the ASX got its mojo back
The ASX 200 is enjoying a solid earnings season, but the healthcare sector is shooting the lights out. Believe it or not, the market sector that offered the fastest way to lose money last year is suddenly red …
Shownotes
The ASX 200 is enjoying a solid earnings season, but the healthcare sector is shooting the lights out. Believe it or not, the market sector that offered the fastest way to lose money last year is suddenly red hot.
Jun Bei-Liu of the Ten Cap Alpha Plus funds joins Associate Editor, James Kirby in this episode.
In today's show, we cover:- Up 25% in a month! - Healthcare stocks are back
- Why the healthcare blue chips can keep rising
- Will CSL ever be Australia's biggest stock again?
- Earnings season recap- where to now for banks and miners?
See omnystudio.com/listener for privacy information.
Property pile-up warning: Bracing for a listings overhang
Here comes Spring! Welcome to most, except perhaps to residential property sellers, who will be adding stock to an already bloated market where prices are falling. Louis Christopher of SQM Research joins …
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Here comes Spring! Welcome to most, except perhaps to residential property sellers, who will be adding stock to an already bloated market where prices are falling.
Louis Christopher of SQM Research joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
- How bad is the listings overhang?
- Why banks may have forecasts wrong on property prices
- Yes, yields are rising, but are rents actually lifting too?
- The 40-year mortgage...should you ever?
See omnystudio.com/listener for privacy information.
The hunt for income heats up
The old formula for seeking income in the Australian market is fading: Dividend rates have dropped across the ASX. Yet, recent tax changes mean that investors will want to raise income from local markets. Hugh …
Shownotes
The old formula for seeking income in the Australian market is fading: Dividend rates have dropped across the ASX. Yet, recent tax changes mean that investors will want to raise income from local markets.
Hugh Robertson of the Centaur Financial Services group joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
- How can I chase income safely?
- The income risk ladder - Bonds to high dividend funds
- Molino's move on SMSFs - More fees and a 'test'
- Is there any escape from the minimum 30 per cent CGT rate?
See omnystudio.com/listener for privacy information.
Why investor zones will be worst hit in the property downturn
Property investors are scrambling to sidestep the new property taxes and taking risks in areas they might never have considered before the May Budget. Rasti Vaibhav of Get RARE Properties joins Associate …
Shownotes
Property investors are scrambling to sidestep the new property taxes and taking risks in areas they might never have considered before the May Budget.
Rasti Vaibhav of Get RARE Properties joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
- The looming black spots for property investors
- Hidden dangers of 'new build' negative gearing
- A sober read on the reality of commercial property
- SMSF residential borrowing is now officially banned
See omnystudio.com/listener for privacy information.
How rich listers are investing in the AI boom
At the top end of the market, Australia's richest investors are deeplyengaged in the AI boom: Some are betting the house on AI, others are fighting to rescue their reputation as AI sweeps through every industry …
Shownotes
At the top end of the market, Australia's richest investors are deeplyengaged in the AI boom: Some are betting the house on AI, others are fighting to rescue their reputation as AI sweeps through every industry sector.
John Stensholt co-author of 'Tech Bros' the extraordinary story of Atlassian' joins Associate Editor, James Kirby in this episode.
In today's show, we cover:- Rich pickings in an AI bonanza
- How Atlassian's 'tech bros' are pivoting towards AI
- Wes Maas bets the house on Firmus
- Why did Gina Rinehart invest heavily in SpaceX?
See omnystudio.com/listener for privacy information.
How to buy your first property (post-Budget)
The first principles for buying property never change. Whether it's your first home or your first move as an investor, you need a pathway. But following this year's landmark federal budget, it will pay to know …
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The first principles for buying property never change. Whether it's your first home or your first move as an investor, you need a pathway. But following this year's landmark federal budget, it will pay to know where the government is aiming to 'help' and where market distortions could create new risks.
Author and host of the 'Money, Money, Money' podcast, Glen James joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
- The quick-start guide to your first property
- Looking at the home from an investor perspective
- Getting to know the home grants system
- Warning on new property after negative gearing changes
See omnystudio.com/listener for privacy information.
Why it's time to get into alternative investing
The swing towards 'alternative' investing is much more than a fad, it is now a core dimension of most investment portfolios among wealthy investors. But how does the everyday investor get started in this area? …
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The swing towards 'alternative' investing is much more than a fad, it is now a core dimension of most investment portfolios among wealthy investors. But how does the everyday investor get started in this area?
Cathy Ding of the Glory House group joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
- The basics of alternative investing
- Getting started in private credit and private equity
- The enduring role of gold
- Advanced alternatives: Royalty streams and coupon notes
See omnystudio.com/listener for privacy information.
Getting around the SMSF borrowing ban
Starting August 10 Self-Managed Super Funds will be banned from borrowing to buy residential property. The Government's late move will catch many investors offside. But the market is responding quickly, new …
Shownotes
Starting August 10 Self-Managed Super Funds will be banned from borrowing to buy residential property. The Government's late move will catch many investors offside. But the market is responding quickly, new strategies and new products are emerging for active investors.
Stuart Wemyss of the Prosolution Private Office joins Associate Editor, James Kirby in this episode.
In today’s show, we cover:
- Yes, you can still use your SMSF in residential property: Here’s how
- Taking a second look at residential property finance options
- Market responds to negative gearing ban with new products
- The way forward for active property investors
See omnystudio.com/listener for privacy information.
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