Advertise on podcast: Money Mechanics with Scott Malcolm

As human beings we share a commonality.  We are all born into the financial system in which we live.  On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt. Welcome to Looking Under the Hood – a podcast all about helping you to unpacking money so you can move towards financial freedom. I’m Scott Malcolm, I’ve always been curious to understand how things work.  When I was a kid there was that one time, I pulled apart our family toaster to see how it worked – sorry again Mum and Dad! When I became a financial planner – fresh out of Uni in 2000 I had the same desire to get a deep understanding of the money stuff and how to make it work for you. What I have learnt and seen working with clients is that the Money stuff is no different.  If you have an understanding of how the system works and how you relate to it, you can empower yourself for a better financial future. My aim of this podcast is to give you money insights as we ‘look under the hood’ and unpack how the financial system works, and provide some stories around clients situations I have worked with over the last few decades to give you greater understanding of you and the money in your life. We will kick of our first series to look under the hood and unpack money in the context of the Australian financial system.  While tax and retirement systems change between countries the fundamentals and foundations of money are a shared human experience. Financial planning weather you are doing it yourself or paying for professional advice, is all about having a decision making framework in place to navigate your life transitions as you move through startup phase, accumulation phase and then into retirement or financial freedom phase. I look forward to taking on you a journey to unpack your money stuff and get the foundations in place to be living your ideal life. Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff! Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here. Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523 General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.  Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.   Ideally we suggest you speak with a licensed financial planner and seek out personal advice! See omnystudio.com/listener for privacy information.

From Snoop Dogg to Sting and prize scones to long distance swimmers and now Scott Malcolm!   Ara Jansen has met, interviewed or written about the famous and the rest during her extensive career as a freelance writer and rock journalist. Words, deep blues, swimming pools, books, music and good conversation with interesting people make her deeply happy. Today we turn the tables are Ara interviews me, about cash flow and how to setup your spending plan and framework around this often taboo subject! Resources: https://moneysmart.gov.au/family-and-relationships/relationships-and-money https://www.relationships.org.au/ https://www.familyrelationships.gov.au/ Ara's Latest Project: (A Lasting Tale is the national company I work for recording life stories): https://www.alastingtale.com/ -   Connect with Ara here: Website: www.arajansen.com.au LinkedIn: https://www.linkedin.com/in/ara-jansen-8075163/ Podcast:  Totally Sucked In! https://www.instagram.com/totallysuckedin/   Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.   See omnystudio.com/listener for privacy information.

Dr Anna Carr is a coach and facilitator who combines social science analytical frameworks with a deeply personal discovery of how we are BEING in the world and who we become in the workplace. Anna’s academic curiosity has led her to delve deeply into the philosophy of science, ideas and relationships and how people relate to themselves and each other in expressing their preferred futures. The more she looked – and applied herself to original and authentic inquiry – the more she discovered about fulfilling her own and others’ potential. She now works with people who forward the public interest, whether in government, for-purpose or in community sectors, to transform individuals’ default futures. She supports emerging and established leaders in deepening awareness (self, team, culture) and growing meaningful and productive relationships at work and to work. Why? To discover and recover the unique contribution you make to your families, communities, industries and regions. Anna envisage's a world where our future thrives: beyond ourselves - and beyond our life-times.   Connect with Anna here: https://www.linkedin.com/in/anna-carr https://www.annacarr.com.au/     Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.   See omnystudio.com/listener for privacy information.

After only hearing about the good things going on with property I bought my first investment at the age of 22 🙌🏼 It was a huge milestone that I'd been working towards for many years but I was naive and uneducated 🤡 in this space which led to a massive missed opportunity 😣Over the subsequent years I built a successful career in recruitment but knew I wanted a way out at some point. To allow me to pivot into something else I knew investing was an avenue to provide me the ability. Even though I'd bought a dud 👎🏼 as a novice investor I was able to turn it all around ↩️ with the help of buyers agency, InvestorKit which was my missing puzzle piece 🧩 to be successful in real estate investing. I purchased 4 more properties over the course of 2.5 years and held a portfolio of 5 properties by the age of 30, now worth $2.7M 🚀This experience has ignited my passion ❤️‍🔥 to prevent others from making large financial commitments to an asset that doesn't produce the outcome they're hoping for 💸I'm now working as a Buyers Agent, partnering with InvestorKit (Buyers Agency of the Year 2023 🏆) who is known for their industry leading property market insights and data-driven decision making in uncovering the top performing locations across the country. As a Buyers Agent I represent the buyer in the real estate transaction providing full end-to-end service from;- strategy creation ♟️ and portfolio mapping 📍 - discovering outperforming locations across the Australian property market 📊- sourcing desirable properties both on and off market 🔎- networking with real estate agents 📞- negotiating at relevant stages of the buying process 🤝🏼 - ensuring a property is successfully settled and tenanted ✅ - all whilst helping my clients stay accountable to their long term investing goals 💪🏼   Connect with Lorna here: www.lornawang.com.au https://www.linkedin.com/in/lorna-wang-59450255 https://www.instagram.com/lornawang.buyersagent/ https://www.facebook.com/lorna.wang/ https://www.tiktok.com/@lornawang.au?_t=8gNpcZW1n2k&_r=1     Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.   See omnystudio.com/listener for privacy information.

Danielle is passionate about helping female entrepreneurs to go from being overwhelmed & stressed with finances in a mess, to mastering business profitability, building wealth, and enhancing wellbeing. Danielle focus on the four pillars of success – mindset, profit, wealth strategies, and enhancing wellbeing.   Connect with Danielle here: https://www.moneywellbeing.com.au/about/ https://www.instagram.com/money.wellbeing/ https://www.facebook.com/money.wellbeing/   Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.   See omnystudio.com/listener for privacy information.

With extensive experience in accounting and plan management, Jane Hadrill founded Prudent Plan Management with the collective vision of acting with care and thought for the future.  Jane leads a warm, client focused business, ensuring that participants and providers feel welcome and informed. Kirsten Merlino has been working with NDIS participants and providing plan management assistance since 2016.  Kirsten is passionate about assisting participants to exercise their right to choice and control of how they use their NDIS funding, as well as making sure that there is a consistent approach across the whole team.   Connect with Jane and Kirsten here: Website: https://prudentplanmanagement.com.au/our-story/   Resources the R&N podcast: https://open.spotify.com/episode/15kVOJeOLX0R8PIbb8szUa?si=cfIZCenaSbG_dLgIb6NhDg   Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast. See omnystudio.com/listener for privacy information.

ESG investment refers to the practice of considering environmental, social, and governance factors in the investment decision-making process to generate sustainable and responsible returns.  It was great to connect with Angela Ashton from Evergreen Consultants to discuss building portfolio with this lens but also some of the current challenges in the market. Angela founded Evergreen in 2016 and is ultimately responsible for all investment activities at Evergreen.  Angela has 30 years’ experience in investment markets. She has held senior investment roles at QIC, was Head of Ratings at van Eyk Research and General Manager, Managed Funds Research at IWL Ltd (now CommSec). She has contributed to the industry through serving on a number of education committees with groups such as Kaplan and the Investment Management Consultants Association (IMCA). Angela holds a Bachelor of Science, Bachelor of Economics, a Graduate Diploma in Applied Finance, Master of Commerce (Finance) and has completed the Certified Investment Management Analyst course. She is a Fellow of FINSIA To calculate the ERIG Index score, using the Responsible Investment Association Australasia’s (RIAA) Responsible Investment Spectrum as a foundation, Evergreen Consultants look at seven capabilities: impact investing, active ownership, negative screening, positive screening, ESG integration, norms-based screening, and sustainability-themed investments.  Connect with Angela here: Website: https://www.evergreenconsultants.com.au/main/index.html#esg LinkedIn: https://www.linkedin.com/in/angela_ashton   Resources from RIAA (Responsible Investment Association): https://responsibleinvestment.org/what-is-ri/ri-explained/ https://responsibleinvestment.org/fact-sheets-and-guides/   Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast. See omnystudio.com/listener for privacy information.

Rosie Bouton is a Financial Adviser who has expertise in Social Security & Aged Care rules & legislation, developed during her career with the Department of Human Services Centrelink over more than ten years, assisting clients in areas such as Financial Information Service, Residential Aged Care, Carer Payment, Aged Pension and Disability Support Pension. Rosie enjoys sharing my knowledge with others, and empowering people to make informed financial decisions.  With a Graduate Certificate in Financial Planning from Griffith University, and as an Accredited Aged Care Professional with Aged Care Steps. I can also help with superannuation, managed investments, insurance, debt reduction, and budgeting and cashflow needs.   Resources: https://www.advancecareplanning.org.au/ https://www.myagedcare.gov.au/ https://www.servicesaustralia.gov.au/   Connect with Rosie here: Website: https://weplanfinancial.com.au/about-us/ LinkedIn: https://www.linkedin.com/in/rosie-bouton-8218a2155/ Twitter: https://twitter.com/BoutonRosie   Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.   See omnystudio.com/listener for privacy information.

With over a decade’s experience in Canberra's Real Estate Industry, Emma is passionate to provide down to earth, professional service. This is achieved by combining her genuine passion for the job & an adaptive mentality to a changing market. Canberra is growing, technology is advancing & the supply of excellent service needs to move with this. Emma believes that whether you're a landlord or a tenant, you should have access to knowledgeable, approachable & friendly service. Your investment doesn't need to be the start line of stress and uncertainty. Your property can be the instigator of trustworthy advice & great relationships. If you're included in the third of Canberra's population that rents, the property hunt doesn't need to be a long list of unreturned calls. When help is needed it should be accessible, honest & easy. At Carter + Co, we do things differently. We listen, we connect & we adapt our service to your needs. We are a down to earth, passionate team and we can't wait to have you on board. Connect with Emma here: Website: https://www.carterandcoagents.com.au/team/584354 LinkedIn: https://www.linkedin.com/in/emma-barclay   Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast. See omnystudio.com/listener for privacy information.

Marie van Asch is a Business Development Manager at Futurity Investment Group which specialises in Education Bonds. Marie has over 12 years’ experience in the Financial Services industry having previously worked in the Life Insurance sector for 8 of those years.   Marie holds a Bachelor of Business majoring in Accounting and a Diploma in Financial Planning and was a finalist in the Women In Finance Awards for Business Development Professional of the Year in 2021.   Marie is passionate about learning and helping other professionals achieve career and business success. She has seen many changes in the financial services industry during her career and is committed to helping enhance the community perception of our profession over the long-term. She believes this starts with continuous learning for financial advisers and helping them improve their client’s financial literacy.   Connect with Marie here: Website: https://www.futurityinvest.com.au/education-bonds LinkedIn: LInkedIn   Resources: Cost of Education calculator: https://www.futurityinvest.com.au/education-saver/cost-of-education-calculator For parents: Futurity Education Bond For grandparents: Futurity Education Bond   Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast. See omnystudio.com/listener for privacy information.

Evrim is passionate about getting the best outcomes for her clients. Having spent 20 years working in investment banking and financial services, Evrim recently made the move to mortgage broking after noticing the lack of client care in the industry. With an empathetic approach and taking the time to understand her client’s goals and dreams, she is able to support them on their property journey. By using her extensive finance experience, she aims to provide the best possible solutions and build a genuine partnership with her clients. When she isn’t sneaking into open homes to feed her passion for property, you can find her at Manly beach or on soccer pitch with her young family.   Connect with Evrim here: Website: https://www.multipartfinance.com.au/ LinkedIn: https://www.linkedin.com/in/evrim-toprakci-turner-30480516/   Resources: https://moneysmart.gov.au/ https://www.canstar.com.au/ https://moneysmart.gov.au/home-loans/mortgage-switching-calculator https://moneysmart.gov.au/home-loans/interest-only-mortgage-calculator   Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast. See omnystudio.com/listener for privacy information.

Dr. Michelle Cull is the Associate Dean, Engagement in the School of Business at Western Sydney University.  Michelle is a leading academic in financial planning, with her research cited in the media. Michelle completed her PhD on the role of trust in financial planning and has published a range of academic papers, practitioner magazines, textbooks and book chapters in the areas of ethics, financial literacy, financial planning and financial planning education, with her work used for compulsory education of financial advisers. In addition to volunteering her time as a reviewer for numerous ABDC ranked publications, Michelle is co-editor of the Financial Planning Research Journal and Vice President, International Relations for the Academy of Financial Services (United States). Michelle’s research has included leading the development of the WalletSmart App, available on Android and IOS, which aims to build the financial capability of university students. She is also co-founder of Western Sydney University Tax Clinic. Michelle’s latest research examines the moral development of financial advisers in Australia and the impact of substantial regulatory change aimed at lifting the educational, ethical and professional standards of advisers. Michelle supervises 10 PhD students and 4 MRes students. Michelle has taught accounting and financial planning for over 20 years in face-to-face, blended and fully online modes across undergraduate and postgraduate programs. She has a proactive approach to her teaching as she considers the demands of the profession, employers, and new technologies. Michelle encourages students to take advantage of workplace opportunities with a view to improving their learning experience and to actively engage with the community through volunteering. Prior to becoming a full-time academic, Michelle worked for 15 years in various accounting and finance roles at ASX-100 listed companies.   Resources: https://moneysmart.gov.au/ https://moneysmart.gov.au/financial-advice/choosing-a-financial-adviser https://www.scamwatch.gov.au/   Connect with Michelle here: Website: https://www.westernsydney.edu.au/staff_profiles/WSU/doctor_michelle_cull  LinkedIn: https://www.linkedin.com/in/dr-michelle-cull-fcpa-aa9596106/ Twitter: https://twitter.com/DrMichelleCull1   Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.   See omnystudio.com/listener for privacy information.