Flourish Financial Education
Flourish Financial Education is a podcast that fills the gap between piecing together your own financial information and paying a qualified financial planner for a personalised, and often costly, plan. It offers guidance for people who want to get started with financial planning but feel too overwhelmed to research it themselves, or who are wary of hiring a professional before they feel properly informed. Through accessible educational content, the show helps listeners build enough understanding to make confident financial decisions. It is an additional education resource aimed at making financial planning feel less intimidating and more approachable.
Episodes
Episode 39 - Is an Extra Super Contribution before 30th June worth it?
As the financial year comes to an end, many Australians start thinking about superannuation contributions and tax planning opportunities.In this episode, we explain concessional contribution limits, catch-up concessional contribution rules, how to find youravailable contribution caps, and provide simple examples showing how additional super contributions may affect people on different tax rates.Ge
Episode 37 - How Much Money do YOU Need to Retire Comfortably?
In this episode, we discuss the ASFA retirement living standards, the current comfortable and modest retirementestimates, and why retirement spending can vary dramatically between individuals and couples.A practical discussion on retirement lifestyle expectations, housing, spending patterns, and why there’s really no such thing as the “average” retiree.General financial education only — not person
Episode 36 - Mindful Spending and Cash Flow
Cash flow pressure often comes from more than just large expenses.In this episode, we discuss mindful spending, family budgeting habits, and practical ways households can improve cash flow without feeling overly restricted.A practical discussion on awareness, spending habits, lifestyle creep, and the small financial decisions that can make a meaningful difference over time.General financial educat
Episode 35 - The Hidden Cost of Spending $1000
What does spending $1,000 really cost yourfuture self?In this episode, we explore the power of compounding and how relatively small amounts invested early can potentiallygrow significantly over time.Using hypothetical examples based on a 10% annual investment return assumption, we compare the future value of $1,000 invested at ages 20, 30, 40 and 50 — including inflation-adjusted outcomes.A practi
Episode 34 - This Time It's Different
“This time it’s different” is a phrase often heard duringmarket uncertainty.In this episode, we explore real historical events—includingthe Great Depression, World War II, the Dot-com crash, the Global Financial Crisis, and COVID-19—and how markets reacted, how long recoveries took, and what that means for investors.A practical discussion on perspective, behaviour, andstaying consistent through un
Episode 33 - Debt Recycling
Debt recycling is a strategy often discussed in wealth-building—but what does it actually mean?In this episode, we break down how debt recycling works, why people use it, and the risks involved, including borrowing to invest and managing cash flow.A clear, practical explanation designed to help you understand the concept before considering whether it’s relevant to you.General financial education o
Episode 32 - Before You Start Investing
Before you start investing, it’s worth getting the basics right.In this episode, we cover the key financial foundations to consider—cash flow, debt, emergency savings, risk, and understanding your goals.A simple and practical guide for anyone looking to begin their investing journey.General financial education only — not personal financial advice.
Episode 31 - Superannuation Contributions
Superannuation contributions can be confusing — but they don’t have to be.In this episode of Flourish Financial Education, we break down concessional and non-concessional contributions,current contribution caps, catch-up concessional rules, and how these can be used to build long-term retirement savings.A practical, easy-to-understand guide to one of the most important parts of the Australian fina
Episode 30 - Doing Nothing With Your Money
Doing nothing with your money might feel safe—but it can come with hidden risks.In this episode, we explore how inflation quietly reduces the value of your savings over time, and why avoiding investing doesn’t mean avoiding risk.Learn the difference between market risk and inflation risk, and how small, consistent steps can help you stay ahead.A simple, practical discussion for anyone unsure where
Episode 29 - Investing vs Enjoying Your 20's
Do you need to choose between enjoying your 20s and building wealth?In this episode, we explore how investing early can make a significant long-term difference while still enjoying life experiences.General financial education only — not financial advice.
Episode 28 - What To Consider For Retirement
In this episode of Flourish Financial Education, we explore how much superannuation people may need to retire and the factors that influence retirement savings. We discuss retirement age, lifestyle expectations, the role of super contributions and investment growth, and how the Age Pension may fit into retirement planning.General financial education only — not financial advice.
Episode 27 - Market Volatility
Markets can react sharply when global conflicts and geopolitical tensions dominate the headlines. In this episode we discuss why volatility is a normal part of investing, how markets have historically responded to major crises, and why long‑term investors often benefit from staying disciplined rather than reacting to short‑term marketmovements. We also explore examples from past market downturns i
Episode 26 - Understanding Life,TPD, Income Protection and Critical Illness Insurance
Insurance is not about growing wealth — it’s about protecting it.In this episode of Flourish Financial Education, we explore the purpose and differences between Life, TPD, IncomeProtection and Critical Illness insurance. We discuss why protecting your earning capacity matters, how insurance can support financial stability duringunexpected events, and the role insurance inside superannuation can pl
Episode 25 - Why Saving Alone Won't Build Long Term Wealth
Saving money is an essential financial habit — but saving alone rarely creates long-term wealth.In this episode of Flourish Financial Education, we explore the difference between saving and investing, why inflation quietly impacts purchasing power, and how growth assets can play an important role in long-term financial progress. Through relatable examples and stories, we discuss how savings provid
Episode 24 - Financial progress is usually boring - and that's ok
When it comes to money, the most effective strategies are rarely exciting.In this episode of Flourish Financial Education, we explore why long-term financial progress often looks slow, steady, and sometimes even a little boring — and why that’s actually a good thing.We talk about the role of consistency, compounding, behaviour, and avoiding major financial mistakes in buildingfinancial security ov
Episode 23 - Diversification
In this episode of Flourish Financial Education, we explore the importance of diversification in investing and why spreading investments across asset classes, industries, and regions can help manage risk and smooth long-term returns.Diversification is one of the key building blocks of a sustainable investment strategy.General financial education only — not financial advice.
Episode 22 - Retirement Considerations
In this episode of Flourish Financial Education, we explore the key considerations when planning for retirement, including lifestyle choices, living costs, income sources,superannuation, the Age Pension and managing risk.General financial education only. This episode does not constitute personal or financial advice.
Episode 21 - Shares/Managed Funds vs Superannuation
Shares, Managed Funds vs Super — What’s the Real Difference?Are shares, managed funds and superannuation really that different?In this episode of Flourish Financial Education, we explain how super often invests in the same underlying assets as investments held outside super — and why the key differences usually come down to tax and access.We discuss:How shares and managed funds work inside and out
Episode 20 - Helping Young Adults Build Money Habits
In this episode of Flourish Financial Education, we discuss how parents can help young adults build simple, practicalmoney habits from the very beginning. We explore a clear ‘money buckets’ approach, covering investing for the future, paying bills, building emergencybuffers, planning for fun, and enjoying guilt-free spending.This episode is general financial education only and does not constitute
Episode 19 - Residential Property Investing
Residential property is often promoted as a guaranteed path to wealth — but how does it really work?In this episode of Flourish Financial Education, we explore how residential property investing works from a cash-flow, tax, and long-term wealth creation perspective. We discuss rental income, expenses, negative and positive gearing, capital growth, and the risks involved — and explain how property
Episode 18 - Rethinking Financial Resolutions
Traditional financial resolutions often sound good — but don’t last.In this episode of Flourish Financial Education, we take a calmer, more sustainable approach to financial resolutions. We focus on clarity, systems, and habits that support better financial decisions throughout the year.General financial education only. This episode does not constitute personal or financial advice.
Episode 17 - The 5 Biggest Barriers to Wealth
Why do so many people struggle to build long-term wealth — even when they earn a decent income?In this episode of Flourish Financial Education, we explore the five biggest barriers that commonly hold people back from becoming wealthy. These aren’t technical or complex issues — they’re behavioural patterns that quietly work against financial progress over time.We discuss:Lifestyle inflation and why
Episode 16 - ETFs Explained
In this episode of Flourish Financial Education, we unpack Exchange Traded Funds — or ETFs — one of Australia’s mostpopular investment tools. Learn what ETFs are, how they work, the different types, their tax implications, and their pros and cons. Whether you’re new to investing or managing your own SMSF, this episode will help you understand how ETFs can fit into a long-term strategy.General educ
Episode Title 15: The Smart Moves to Make in Your 20s
In this episode of Flourish Financial Education, we explore the key financial habits, investment strategies, and mindset shifts young adults can adopt to setthemselves up for financial freedom by midlife. From building strong money habits and using super effectively to managing credit and investing early —this is your roadmap to living freely by your 50s.General education only – not financial advi
Episode 14 - Choosing a Financial Planner
In this episode of Flourish Financial Education, we explore one of the most common questions we’re asked: How do you choose the right financial planner?We’ll discuss what to look for, how to check licences and qualifications, how fees work, and how to find someone who fits your goals and values. This episode helps you feel confident and informed before you engage a professional adviser. General in
Episode 13 - Financial Considerations in Your Thirties
In this episode of Flourish Financial Education, we explore the key financial priorities for people in their thirties -from managing cash flow and building wealth, to reducing debt, protecting your income, and planning for the future.
Episode 12 : Buying a House – From Saving a Deposit to Settlement
In this episode of Flourish Financial Education, we walk through the complete journey of buying a home — from saving for your deposit and organising finance, to finding the right property, negotiating the purchase, and finally reaching settlement. Perfect for first-home buyers and anyone wanting to better understand the process.General education only — not financial advice.
Episode 11 - Common Mistakes Investors make
In this episode of Flourish Financial Education, we explore the most common mistakes investors make — from chasing returns and timing the market, to ignoring diversification, fees, and emotions. A must-listen for anyone looking to invest smarter and with more confidence.General information only — not financial advice.
Episode 10 - Your Money Personality
In this episode of Flourish Financial Education, we explore the idea that everyone has a 'money personality' — fromsavers and spenders to planners, avoiders, and risk-takers.We look at the strengths and risks of each, the consequences they create in everyday life and relationships, and how to balance them for better outcomes. General information only — not personal advice.
Episode 9 - Time for a Superannuation Review?
In this episode of Flourish Financial Education, we explore what you should consider when reviewing your super fund.From fees and long-term investment performance to insurance, consolidation, and fund features, we cover the essentials that can make a big difference to your retirement balance. General information only — not personal advice.
Episode 8 - How Much Do You Need To Retire
In this episode of Flourish Financial Education, we tackle one of the most common questions: “How much do I need forretirement?” We’ll explore how to understand your living costs, estimate how much in assets you may need, and the important role the Age Pension plays. We also walk through a real-life case study to show how super, savings, and the pension can work together to support your lifestyle.
Episode 7 - Budget Killers and How to Beat Them.
In this episode of Flourish Financial Education, we uncover the hidden budget killers draining your wallet — from unused subscriptions and impulse spending to food waste, which costs Australian households up to $2,500 a year. We share simple, practical tips to cut back, save money, and get your budget under control, plus a case study showing how one family freed up thousands of dollars annually.Th
Episode 6 - Your 40's and 50'S
In this episode of Flourish Financial Education, we explore why your 40s and 50s are a make-or-break stage for building lasting wealth. We’ll unpack practical strategies to reduce debt, maximise superannuation, invest outside super, and protect your income. We also discuss common challenges like lifestyle inflation and supporting both kids and ageing parents. To make it real, we share a case study
Episode 5 -Understanding Life Insurance
Life insurance often gets pushed into the 'too hard' basket — but it’s one of the most important tools for protecting your family and your financial future. In this episode of the Flourish Financial Education podcast, we unpack why life insurance matters, the different types of cover available, and how they can be structured both insideand outside superannuation.
Episode 4 – Is an SMSF Right for You? Plus 3 Common Money Struggles in Your 30s
Thinking about taking control of your super with a self-managed super fund (SMSF)? In this episode, we break down what you need to know before diving in — from costs and compliance to investment flexibility and risk.We’ll also explore three common financial challenges many people face in their 30s — and share practical tips for juggling competing goals, managing life’s “what ifs,” and getting on t
Episode 3 - Mortgage vs Super, Offset vs Redraw — Making the Right Choice for You
In this episode of the Flourish Financial Education podcast, Steve breaks down two of the most common money questions:1️⃣ Should you put extra cash into your mortgage or boost your superannuation?2️⃣ What’s the real difference between an offset account and a redraw facility — and which might suit you best?You’ll learn how interest rates, tax benefits, investment returns, and access to your money a
Episode 2 - Starting at the End - Why Clear Goals Matter
In this episode, Steve explores the idea that every financial journey should begin with a destination in mind. Whether you’re planning for the short term, long term, or somewhere in between, having a clear goal helps guide your decisions and gives your money a purpose.You’ll learn:Why starting with a clear goal is critical to financial successHow to break down vague ideas into specific, achievable
Episode 1 - A bit about Steve, Budgeting and Investment Fees
Welcome to the very first episode of the Flourish Financial Education Podcast with Steve May. In this episode, we explore two key foundations of financial wellbeing:1️⃣ Why creating a budget is essential for gaining control of your money2️⃣ How reducing investment fees can significantly increase your long-term returnsWhether you're just starting out or looking to build better money habits, this ep
