Money and Investing with Andrew Baxter

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. Are you working hard but still feel like you're spinning your wheels financially? The problem might not be your effort. It could be your income streams. In this episode, Andrew and Mitch break down the 4 income streams every investor needs to win the money game: earned income, business income, investment income, and passive income. Most Australians spend 40 years working and still retire with less than they need. Not because they didn't earn enough, but because nobody handed them a proper playbook. The hard truth is that most people are only operating with one, maybe one and a half income streams, leaving them dangerously exposed to inflation, wage stagnation, and financial stagnation. Andrew explores what separates the wage earners from the wealth builders, how to identify which income streams suit your personality and goals, and why investment income and passive income are non-negotiables if you're serious about long term financial freedom. Whether you're an employee, a self-employed Maverick, or somewhere in between, this episode will challenge the way you think about money and give you a clear framework for building genuine, lasting wealth. Because holding cash at the bank while inflation runs hot isn't a strategy. It's a slow leak. If this episode opened your eyes to the power of multiple income streams, don't keep it to yourself. Subscribe, leave us a review, and share it with someone who needs to hear this. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. In this episode, we break down the Biggest Money Mistakes people make in their 20s and 30s and how these early decisions can quietly cost you years of wealth. From delaying investing to overspending just to keep up appearances, these habits can set the tone for your long-term financial position. One of the Biggest Money Mistakes is not starting early enough. Time plays a major role in building wealth, and even small, consistent investments can grow into significant amounts over decades. The longer you wait, the harder it becomes to catch up. We also unpack why focusing only on income, instead of building assets, can limit your financial progress. This conversation highlights the difference between earning money and creating wealth. It also touches on behavioural patterns, including lifestyle spending and the pressure to stay relevant, which often leads to poor financial decisions. If you are in your 20s or 30s, or even beyond, understanding these Biggest Money Mistakes can help you shift your approach and take control of your financial future. Listen now and take the first step towards building long-term wealth. If you found value in this episode, subscribe, leave a review, and share it with someone who needs to hear it. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. In this episode, the focus turns to Stock Market Cycles and how they shape investor behaviour, decision-making, and long-term results. Many people recognise boom and recession, but far fewer understand the full cycle and how each phase impacts risk, opportunity, and timing. Andrew break down the four key Stock Market Cycles and explain what typically happens in each stage, from rising confidence in a boom to hesitation during recovery. More importantly, they highlight how emotions like fear, greed, and overconfidence can influence outcomes, often leading investors to act at the wrong time. The discussion also covers practical ways to approach these cycles with more clarity. From understanding the difference between price and value to using tools like on-balance volume and volatility, this episode focuses on building a process based on facts, not feelings. If you want to improve how you respond to changing market conditions and make more informed decisions, this episode offers a clear framework grounded in real market behaviour. Follow the show for more practical money and investing insights, and share this episode with someone looking to build a smarter approach to the market. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. Superannuation is one of the most powerful tools Australians have for building long term wealth, yet many people pay very little attention to it. For many, super runs quietly in the background while contributions go in automatically. But without a clear strategy, that retirement nest egg may fall well short of what is possible. In this episode, Andrew and Mitch unpack the key ideas behind Optimising Superannuation in Australia and why it deserves far more focus than most people give it. From understanding how super works to avoiding common mistakes such as holding multiple accounts or ignoring asset allocation, they explain how small changes today can lead to a far stronger financial position later in life. The conversation also covers practical strategies for Optimising Superannuation in Australia, including adjusting your investment mix, consolidating accounts to reduce fees, and making additional contributions in a tax efficient way. Andrew also shares insights into self managed super funds, when they may make sense, and the risks investors should consider before setting one up. Retirement planning is not something to leave until the last minute. By focusing on Optimising Superannuation in Australia early and consistently, investors can give themselves a far better chance of building a retirement they can truly enjoy. If you found this episode helpful, subscribe to the show, leave a review, and share it with someone who should start taking their super more seriously. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. How safe are your assets, really? Many investors focus on growing wealth but give far less attention to protecting it. In this episode, Andrew and Mitch break down how to Structure Your Investments for Maximum Protection so the wealth you build actually stays yours. The conversation covers the real risks investors face, including lawsuits, business liabilities, divorce, and poorly documented agreements. You will learn how different structures such as trusts, companies, and SMSFs can play a role in asset protection, along with the benefits and limitations of each approach. Andrew also shares practical insights on when it makes sense to Structure Your Investments early, how tax efficiency differs from protection, and why getting professional advice before major transactions like property purchases can save significant costs later. They also discuss binding financial agreements, joint venture contracts, and the common mistakes investors make when relying on handshake deals or informal arrangements. The key message is clear. Protecting capital is not about fear. It is about planning, clarity, and smart structuring decisions that support long term wealth creation. If you want to Structure Your Investments with greater confidence and reduce unnecessary risk, this episode provides a strong foundation to start thinking differently about protection. If you found this valuable, subscribe to the podcast, leave a review, and share this episode with someone building their financial future. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. Twelve months into the Trump 47 presidency, markets are reacting to rapid policy moves, shifting alliances, and rising geopolitical pressure. This discussion breaks down the Trump Policy shake up and explains how it is influencing currencies, commodities, and global asset prices. Andrew and Mitch examine the real market impact behind the headlines. Topics include oil supply changes linked to Venezuela, Middle East tension and Iran risk, pressure on China through trade and technology, and the implications of tariffs, NATO friction, and the Greenland debate. Each issue is assessed through a market lens, focusing on how policy signals translate into price movement rather than political noise. The conversation also covers interest rates, the Federal Reserve, and the growing tension around Jerome Powell. With stocks near record highs and bond markets adjusting to delayed rate cuts, the episode explains how uncertainty affects investor behaviour and why clarity matters when volatility rises. This Trump Policy shake up is not framed as prediction or opinion. Instead, it connects global events to currency strength, equity performance, and portfolio risk, helping listeners understand what matters and what does not. If you want a clearer view of how the Trump Policy shake up feeds into markets, currency moves, and portfolio positioning, this episode offers practical context grounded in current conditions. Subscribe for weekly market insights, leave a review if you found value, and share this with anyone trying to make sense of global market shifts. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. In this episode, we dive into the real reason so many Aussies are turning to side hustles. With rising costs and limited wage growth, we talk about building extra income, creating options, and using side hustles to stack cash for investing. You’ll hear how to pick ideas that earn, not just entertain, and why knowing your margins matters from day one. We walk through digital side hustles, service ideas, and practical ways to get started after work hours without burning yourself out. You’ll also hear honest talk about risk, time, start-up costs, and the smart way to test an idea before committing too much money. This conversation shows how the right side hustles can grow over time, help you move closer to financial freedom, and give you more control than relying only on a 9 to 5. The focus is simple: start small, learn fast, and build something that pays you back. Listen in, take notes, and start planning your next step. If this episode helps you, subscribe, leave a review, or share it with someone who needs it. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. In this episode, we take a clear, practical look at the US Market Outlook for 2026 and ask a big question. Are current market valuations flashing a warning sign, or are they pointing to more opportunity ahead? Drawing from the conversation in the transcript, Andrew and Mitch unpack how inflation, interest rates, earnings growth, and productivity trends are shaping the broader US Market Outlook. You will hear why some investors worry that prices look stretched, and why others believe new sectors, technology, and stronger corporate profits may justify what we are seeing on the charts. We talk through how policy shifts, capital spending, AI growth, and changes in consumer behaviour may play out over the next year. You will also gain context on how the US Market Outlook affects Australians, from portfolio positioning to long term wealth planning. If you want clearer insight into what these valuations might mean for your money, this episode gives you grounded analysis without the noise. Simple ideas. Straight talk. Practical thinking. Tune in, listen closely, and decide where you stand. If you found value in this conversation, subscribe, leave a review, or share the episode with someone who follows the markets. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. In Year in Review 2025: The Biggest Takeaways From a Year That Tested Confidence, Patience and Discipline, we look back on a year in review that shook markets, politics and portfolios. From the return of President 47 and sweeping tariffs, to rate cuts at home in Australia and the lingering housing crisis, this year in review pulls together the major events that shaped your investing decisions. Andrew Baxter and Mitch break down how Trump tariffs first shocked markets then fuelled a powerful rally, why AI chips, Nvidia and the hyperscalers drove the NASDAQ, and how gold and silver surged while crypto stalled. They unpack what central banks got right and wrong, why housing supply still matters more than subsidies, and how to think about risk when sentiment swings. You will also hear the personal side of Year in Review 2025, including health scares, ultra marathons and the discipline it took to stay focused, keep trading and keep learning when the pressure was on. If you want practical lessons from a year in review that tested confidence, patience and discipline, this episode is for you. Tune in now, subscribe on your favourite podcast app, leave us a review, and share Year in Review 2025 with someone who wants to create tomorrow's wealth today. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. In this episode Andrew and Mitch break down the 3 Money Buckets explained in a way that makes sense for everyday Australians facing different stages of life. Drawing from real client stories and practical examples, they walk through how liquidity, growth, and legacy each play a different part in building long term financial stability. If you have ever wondered how to organise your cash, where to invest next, or how to set yourself up for the future, this is the session to tune into. The conversation starts with the liquidity bucket. This is where the emergency fund, working account, and short term needs sit. Andrew and Mitch explain why this bucket is the foundation of financial safety and how building it properly helps you stay steady when life throws surprises. From there they move into the growth bucket. This is where investing in shares, property, and other assets helps your money work harder over time. The pair break down the time frames, risks, and decision making involved, tying it closely to the core theme of 3 Money Buckets and Stages of Life. The episode wraps with the legacy bucket. This is the long term piece of your financial picture, covering superannuation, long term property holdings, trusts, and the structures that support generational outcomes. Andrew shares clear examples that highlight why getting this bucket organised early can shape your entire future. If you are ready to start applying the 3 Money Buckets Explained in your own life, this episode gives you the roadmap to move forward with confidence. If you enjoyed this episode, please subscribe, leave a review, or share it with someone who might benefit. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. In this episode, we take a clear look at one of the biggest questions facing home buyers today. When your dream suburb is far beyond what you can borrow, Rentvesting in Australia may be the strategy that lets you live where you want while still owning a property that fits your budget. Drawing on real examples, practical scenarios, and current housing trends, the conversation breaks down how this approach works, who it suits, and the financial trade-offs to consider. You will hear why entering the market with a property you can afford is often better than waiting for the perfect home. The discussion covers the pros and cons of renting in a higher-priced area while owning an investment property elsewhere, how affordability pressures have shaped Rentvesting in Australia, and how this strategy can support wealth building over the long term. The episode also takes you through costs, tax considerations, depreciation, structures, and the real-life challenges many investors face when balancing lifestyle and financial goals. If you are weighing up how to get started in property, or trying to find a practical pathway into your preferred suburb, this episode offers insight you can apply straight away. It is a timely guide for anyone thinking about Rentvesting in Australia and the options available in a tough housing market. If you enjoy the episode, make sure to subscribe, leave a review, or share it with someone who needs to hear it. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. Today we look at the turning point that comes when you stop trying to do everything alone and start building an Investment Team around you. In this conversation, Andrew break down why going solo in the markets can cap your progress, and how surrounding yourself with the right mentors, accountants, brokers, lawyers and peers can change the way you invest. From interviewing advisers, choosing a broker who actually adds value, working with a switched on accountant, through to having a peer group that challenges your thinking, you will hear real stories from their own careers and clients. You will learn how to think about your Investment Team as a group of specialists in their own lanes, so you can focus on yours. You will also hear simple, practical steps for finding people you can trust, asking better questions and avoiding costly mistakes that come from guesswork or bad guidance. If you are ready to take your trading and investing more seriously by building a strong Investment Team around you, this episode is for you. Tune in now, and if you enjoy the show, please subscribe, leave a review, and share it with a mate who needs to hear it. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387