Money Rules OR Money Rules
The podcast helps listeners take the next step in improving their financial journey in a balanced way. It argues that without robust and well-founded money rules, reaching financial freedom is unlikely. Otherwise, instead of Money Rules, people may find themselves facing Money Troubles, where money rules them.
Episodes
#33 First Pay Rise: What To Do With It
A pay rise feels like a reward. It is also a decision, and the one you make early tends to set the pattern. Alex McBain sits down with Vision's Ashleigh Dodt and Tyler Clarke to unpack what happens when your income goes up: where an extra dollar can do the most work, why superannuation gets overlooked, and how lifestyle creep quietly absorbs the lot. An educational conversation about giving every
#32 When to Stop Saving and Start Investing
Most Australians were told to save. Nobody ever said when to stop. Alex McBain sits down with Vision Wealth Strategies advisers Ashleigh Dodt and Luke Kaprilian to work through what saving actually does, the cost it quietly carries, and why investing brings risks of its own worth understanding. Emergency buffers, diversification, risk profiles, crypto, ETFs, and the difference between a loss on pa
#31 Rent or Buy? What Australians Weigh Up
Owning a home has long been the marker of getting ahead in Australia. But is it still? Alex McBain sits down with two voices from Vision on opposite sides of the question: one who bought in 2001, one renting now. They work through what the numbers look like week to week, why stability matters more than most people admit, and what the gap between rent and repayments could be doing instead. A curren
#30 James Thomson - People, Politics and Priorities
Welcome back to the Money Rules or Money Rules podcast!
In this episode, our host Stephen Logan and co-host Hamish Ferguson chat with Newcastle local and driven entrepreneur, James Thompson,
James—a dedicated husband, father of two, and marketing professional with a passion for community engagement—opens up about the discipline of balancing people, politics, and priorities across both his person
#29 Murray Guest - Gallup Coach from CliftonStrengths
Welcome back to the Money Rules or Money Rules podcast!
Join our hosts Hamish Ferguson and Stephen Logan for their insightful talk with this week's guest, Murray Guest - and no, that's not a pun. Murray is a certified Gallup Coach from CliftonStrengths, which involves strength-based development in individuals and teams.
This unique spin on coaching focuses on what you're naturally good at and how
#28 - Greg Edwards - Just Do It
Welcome back to the Money Rules or Money Rules podcast!
On today’s episode, we dive into the uncertainty surrounding making big financial decisions. Should you, or shouldn’t you? If you ask our guest, Greg Edwards, he’d tell you to just do it! Greg was a mentor to our co-host Hamish, when even he was just a fledgling entrepreneur navigating the world of self-employment! Greg believes that life do
#27 - John Gilbert - Is Local Council Important?
Welcome back to the Money Rules or Money Rules podcast!
Today, we meet with John Gilbert, Lake Macquarie Mayoral Candidate, to dive deep into the importance of Local Council. John has been on council from 2016 to 2021. After having a break, he's found the desire to get back into it and is now running for Mayor in 2024.
Why do we need so many layers of Government and what goes on from a local cou
#26 - Dr Jonathan Mansfield - Being Aware of Your Credit Score
Welcome back to the Money Rules or Money Rules podcast!
Today, Dr Jonathan Mansfield, a UON graduate and family man, with an extensive background in the finance industry. Dr Mansfield and Hamish will be diving deep into a credit score, and how it can impact your ability to obtain a bank loan. In this information rich episode, we will cover:
- The evolution of Credit Profiling legislation
- How fin
#25 - Using residential property Investment to reduce your home mortgage
Welcome back to the Money Rules or Money Rules podcast!
Today, mortgage expert Matt Ivers is here to dispel the myths around getting a second mortgage and expose the positive effects it can have on your existing repayments. Join Matt and host Stephen Logan as they delve into the world of property investment hacks and how they can help homeowners achieve their goals of paying off their mortgage soo
#24 - Shares VS Property: The Pros & Cons
On this episode of the Money Rules Podcast, we tackle the age old question; Shares OR Property, which one is better for the average Aussie to invest in?
Its a difficult topic to gain accurate insight into, but our resident expert has successfully worn the hats for both sides through his extensive career. Hamish Ferguson is both a financial advisor and seasoned mortgage broker, and he is here to of
#23 - Chris Rapaport Reinventing Yourself Multiple Times
Welcome to the latest episode of the Money Rules Podcast, where we tackle the issue of stagnation & self-improvement. Join your co-hosts, Stephen Logan and Hamish Ferguson along with our special guest Chris Rapaport, owner of Landscaping and Pool Tiling Business, Utopia. Follow Chris's journey, from introvert to a master of his craft and business leader:
• How talking to mentors and experience
#22 - Are You Ready For Your Second Investment Property
🎙️ In this episode of Money Rules, hosts Hamish Ferguson and David Lennox from Vision Property and Finance delve into the property investment, specifically exploring the question: Are you Ready for your 2nd investment property?
💼 With their wealth of experience in the mortgage industry, Hamish and David dissect the difference between having money invested and growing v.s placing it all in an off
#21 - Tracey Breeze - Educating the Next Generation Differently
Welcome to the latest episode of the Money Rules Podcast, where we dive deep into the world of the Australian education system. Join your co-hosts, Stephen Logan and Hamish Ferguson along with our special guest Tracey Breeze, Principle of Hunter School of The Performing Arts and founder of the "Big Picture" project. Follow Tracey's journey, spanning 30 years, from teacher to principle and advocate
#18 - Social Innovator and Corporate Leader - Crafting a Good Career Path
Welcome to the latest episode of the Money Rules Podcast, where we dive deep into the world of career progression and career goals. Join your co-hosts, Stephen Logan and Hamish Ferguson, along with our special guest Jonathan Srikanthan, Director of the Charitable Foundation at Atlassian. Jonathan's journey from refugee to corporate leader is both inspiring and insightful. In this episode, we explo
#20 - How to prepare for buying your first investment property.
🎙️ Join host Hamish Ferguson and guest David Lennox, experts from Vision Property and Finance, as they guide you through the essential steps to prepare for purchasing your first investment property.
In this episode, Hamish and David break down the crucial elements you need to consider before diving into the world of property investment. From securing pre-approval to conducting thorough research, t
#19 - Is an offset account better?
🎙️ In this episode of Money Rules, hosts Hamish Ferguson and David Lennox from Vision Property and Finance delve into the intricacies of mortgage loans, specifically exploring the question: Is an offset account better?
💼 With their wealth of experience in the finance industry, Hamish and David dissect the pros and cons of opting for a basic variable loan versus a fully featured loan with an offset
#17 - What it means to strive for a good life
🎙️ In this episode of the Money Rules or Money Rules Podcast, we sit down with Yolanda to delve into the realms of self-growth and mindset improvement as a means of striving for a good life.
💡 Yolanda's passion for family and gender equity shines through as she shares insights gained from advising organisations like Cricket Australia on gender balance. After over 20 years in corporate marketing an
#16 Do I need an accountant?
Uncover the pivotal question, "Do I need an accountant?" in the latest episode of "Help My Wealth." Whether you're an individual or a small business owner, this burning question is answered by our esteemed guest, Jeremy Fox. With a rich background as an accountant and business owner from a young age, Jeremy delves into his passion for establishing robust financial systems and guiding clients throu
#15 - Preparing for a Happy Retirement: Health & Financial Goals
How can I plan for a happy retirement?
What can I do to ensure that my health and finances will support me in retirement?
As a young person how can I start preparing for retirement?
If you have had these thoughts, listen to our latest episode where we are joined by Rod McLean, a Chiropractor and Kinesiologist with 40 years of experience. Rod introduces us to investing in our health, maintaining
#14 - Exploring Employment Dynamics and the Vital Role of Recruitment Agencies
Today, we are joined by Krystle Parker, and our conversation revolves around employment dynamics in the present and the near future. We'll also dive into the realm of Recruitment Agencies, exploring when it's the ideal time in your professional journey to engage with one.Krystle Parker is a co-owner of Verve Partners, a prominent Recruitment Agency based in Newcastle. Verve Partners stands apart
#13 - Youth is no a barrier to success
Today, we delve into the idea that youth is not a barrier to success as we chat with Matilda Barrass, a remarkable individual who has achieved significant milestones both professionally and on her path to building an investment portfolio.
Matilda's journey began with completing a double bachelor's degree in Business and Commerce at the University of Newcastle in 2019. In 2020, she embarked on a g
#12 - Trading, Finfluence and the Propensity of Gambling
Help My Wealth and the Money Rules OR Money Rules Podcast is all about "Empowering your Financial Journey", and on this episode, we talk about Trading, Finfluence and the Prepensitity of Gambling in Australia with
Dr Mardy Chiah is the Associate Professor of Finance at the University of Newcastle and is currently the Academic Director the Tax Clinic at the University of Newcastle. The tax clinic
#11- Financial Wellbeing & Life Satisfaction Report (with Mardy Chiah & Cathy Wu)
Help My Wealth and the Money Rules OR Money Rules Podcast is all about "Empowering your Financial Journey", and on this episode, we are discussing with Dr Cathy Wu the Financial Wellbeing & Life Satisfaction Report that she co-authored. The report also looked at financial literacy in Australia.
Dr Cathy Wu is a lecturer at the Newcastle University Business School, and she is joined by Dr Mar
#10 - Tracy Lynch Business Owner’s Series: The Wellness Hub
Help My Wealth and the Money Rules OR Money Rules Podcast is all about "Empowering your Financial Journey", and on this episode, we start our Business Owner's Series and talk to Tracy Lynch, the founder and owner of the Wellness Hub.
Tracy Lynch is a well-respected therapist with over 30 years of experience in trauma-informed psychotherapy.
Tracy now specialises in EMDR intensive therapy (Eye Move
#9 Matthew Ivers Investments - Where is Property at?
Help My Wealth and the Money Rules OR Money Rules Podcast is all about "Empowering your Financial Journey", and on this episode, we talk to Matthew Ivers and drill into Property Investments and ask the question, "Where is Property at?"
Mat Co-Founded Vision Finance in 2000 and has worked as a licenced Mortgage broker since then 2000 and for 15 years, specialised in investment lending.
Frustrated
#8 Setting Up Your Financial Future (with Matt Skehan)
Help My Wealth and the Money Rules OR Money Rules Podcast is all about "Empowering your Financial Journey", and on this episode, we talk to Matthew Skehan and journey into the world of financial planners and talk about Setting Up Your Financial Future.
Mat is a Licensed Financial planner with over 22 years of experience in the Financial Planning Industry. Starting his career with Westpac Bank for
#7 Understanding Investment Products (with Hamish Ferguson)
Help My Wealth and the Money Rules OR Money Rules Podcast are all about “Empowering your Financial Journey” As part of our “Meet The HMW Team” Series, today we talk to Hamish Ferguson. Hamish authored and presented our iLearning series on “Investments.”
Hamish has been in Financial Services since 2001, initially as a Mortgage Broker, then dual-qualified as a Financial Adviser in 2007. As an adv
#6 Property Investment Journey - A discussion with Mortgage Broker, a Financial advisor and Property Investment Advisor
Help My Wealth and the Money Rules OR Money Rules Podcast is all about “Empowering your Financial Journey” and on this episode, have three experienced professionals in one room to discuss the investment journey, primarily around real estate. Dave Lennox, Hamish Ferguson, and Stephen Logan discuss loan serviceability in the current climate, property cycles and where we are at, understanding risk p
#5 Mentoring, Achieving your Goals and Investment bonds (with Grant Hackett)
Help My Wealth and the Money Rules, OR Money Rules Podcast is all about “Empowering your Financial Journey”, and on this episode, we walk through Grant Hackett’s journey into the financial world, including his passion for the average Australian to build wealth in a safe and balanced way, as well as discuss and walk through what Investment bonds are, and where they can be used as a useful tool with
#4 Interest Rates - The Experts’ Take (with David Lennox)
Help My Wealth and the Money Rules OR Money Rules Podcast is all about “Empowering your Financial Journey”, and on this episode, we talk to Dave Lennox and we journey into the world of mortgages and loans. We talk specifically about Interest rates, where they are now and what to do about them. Dave Lennox co-founded Vision Property and Finance over 20 years ago. David is a Charted Accountant an
#3 Setting Financial Goals (with Lea Clothier)
Help My Wealth and the Money Rules OR Money Rules Podcast are all about “Empowering your Financial Journey” As part of our “Meet The HMW Team” Series, today we talk to Lea Clothier. Lea authored and presented our iLearning series on the “GOALS”, and today we talked to her about what she has found essential to create wealth in a balanced and safe way. A former award-winning Financial Adviser and
#2 The Behavioural Psychology of Money (with Toni Knight)
Help My Wealth and the Money Rules OR Money Rules Podcast are all about “Empowering your Financial Journey” As part of our “Meet The HMW Team” Series, today we talk to Toni Knight. Toni authored and presented our iLearning series on the “Behavioural Psychology of Money”, and today we talked to her about what she has found essential to create wealth in a balanced and safe way. Toni is a Psychothe
#1 Top 3 Questions 1st Homebuyers should ask (with Hamish Ferguson)
As part of our Short Topical Series on the Money Rules OR Money Rules Podcast, today we ask Hamish the Top 3 Questions that 1st Homebuyers should be asking. Under the current economic climate, with increasing interest rates and property pricing, it can be a challenging journey toward your first home purchase. On this podcast, Hamish talks through what questions you should be asking and has a few
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