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- 🇦🇺AU · Investing#1635K to 30K
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2.5K to 15K🎙 Weekly cadence·60 episodes·Last published 3d ago - Monthly Reach
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5K to 30K🇦🇺100% - Active Followers
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1.5K to 9K
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On the show
Recent episodes
The Financial Trap Hiding in Plain Sight
Jun 21, 2026
Unknown duration
The Property Headlines Are Getting It Wrong
Jun 10, 2026
Unknown duration
EOFY Super Changes Explained Simply
May 28, 2026
Unknown duration
Has Property Investing in Australia Just Changed Forever?
May 25, 2026
Unknown duration
Whats your “Comfortable Retirement” Number?
May 25, 2026
Unknown duration
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| Date | Episode | Description | Length | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 6/21/26 | ![]() The Financial Trap Hiding in Plain Sight | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Want to chat? Book a free intro call → →https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=socialWhat happens when gambling is dressed up to look like investing? From CFD trading platforms to forex apps and “financial freedom” seminars, millions of Australians are being targeted with products that promise wealth but often leave people worse off. In this episode, Scott and Phil unpack a recent ASIC case that resulted in a $300 million penalty against a CFD provider. They explain how these products work, why so many people lose money, and the emotional and financial damage they’ve seen firsthand from Australians who thought they were investing when they were really speculating. You’ll learn: - What CFDs (Contracts for Difference) are and why they’re fundamentally different from investing - How leverage magnifies gains but can wipe out your money just as quickly - Why ASIC found serious misconduct in the way some CFD products were marketed - The warning signs to watch for in trading platforms, seminars, and “financial freedom” programs - What long-term investing looks like compared to short-term trading and speculationThis episode is for Australians who want to build wealth without falling into common investing traps. If you’ve ever been tempted by trading apps, leveraged products, or promises of quick profits, this conversation will help you separate genuine investing from speculation and make more informed financial decisions. About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 6/10/26 | ![]() The Property Headlines Are Getting It Wrong | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/Every time the property market slows down, the headlines start screaming the same thing: house prices are crashing, rents are exploding, and the sky is falling. But when you look beyond the media noise, the reality is far more nuanced and far more useful for investors and homeowners.In this episode, Scott and Phil unpack what’s really happening in the Australian property market. They explore the impact of higher interest rates, housing supply shortages, proposed tax changes, and why many of the headlines driving fear aren’t telling the full story.You’ll learn: - Why higher interest rates are having a bigger impact on property prices than recent budget proposals - How borrowing capacity changes can affect what buyers are able to pay for property- Why Australia’s ongoing housing shortage continues to support long-term property demand- The risks of buying in large new housing developments where future supply may limit growth- Why investment decisions should be based on fundamentals, not media headlines or tax incentives aloneThis episode is for Australians aged 55+ who own property, are considering investing, or want to understand how current market conditions may affect their retirement plans. If you’re looking for a balanced perspective and practical insights instead of sensational headlines, this conversation will help you make more informed decisions.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/28/26 | ![]() EOFY Super Changes Explained Simply | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/A lot of the superannuation videos online leave people more confused than when they started. So in this episode, Scott and Phil cut through the noise and focus on the super changes that actually matter for Australians over 50 before 30 June.With contribution caps increasing, payday super changes arriving, and several important rules resetting from 1 July, this episode explains the practical actions Australians should be considering right now. The focus is on avoiding mistakes, maximising tax efficiency, and making sure opportunities inside super aren’t missed.You’ll learn: - How the concessional contribution cap is increasing from $30,000 to $32,500 - What carry-forward contributions are and why some unused cap space may expire soon - How payday super changes could accidentally push some people over contribution limits - Why non-concessional contribution limits are increasing to $130,000 per year - The importance of contribution timing, processing cut-offs, and avoiding last-minute mistakes before 30 JuneThis episode is for Australians aged 55+ who are actively contributing to super, preparing for retirement, or reviewing tax strategies before the end of financial year. If you want to avoid costly errors and make smarter super decisions while the rules continue to change, this conversation will help you stay ahead of it.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() Has Property Investing in Australia Just Changed Forever? | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/Is investment property dead or are Australians just reacting emotionally to proposed tax changes? With negative gearing and capital gains tax reforms dominating headlines, many investors are struggling to work out whether property still makes sense as a long-term strategy.In this episode, Scott and Phil break down the proposed changes to negative gearing and capital gains tax, explain what the legislation is actually targeting, and compare property investing against alternative strategies like ETFs and managed funds. They also unpack the misinformation spreading online and why investment decisions should never be driven by panic alone.You’ll learn:- How the proposed negative gearing changes could impact investment property cash flow- Why capital gains tax changes may not affect investors the way social media claims- How property compares to ETFs and managed funds from a tax and income perspective- Why leverage (borrowing power) has historically made property so attractive in Australia- The importance of focusing on long-term wealth planning instead of reacting to headlinesThis episode is for Australians aged 55+ who own investment property, are considering downsizing or restructuring assets, or want to understand how proposed tax changes may affect retirement planning. If you’re trying to make calm, informed decisions during a changing market environment, this conversation will help you cut through the noise.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() Whats your “Comfortable Retirement” Number? | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/You’ve probably heard the number: $730,000 for a “comfortable retirement.” But what does that actually mean and is it even realistic for your life? The problem is, this figure assumes you own your home outright, spend money consistently every year, and live to a specific age.In this episode, Scott and Phil unpack the famous ASFA retirement benchmark and explain what sits behind the headline number. They explore why the figure changed so dramatically in recent months, how inflation and housing costs are affecting retirees, and why your personal retirement target could be very different.You’ll learn:- What the $730,000 retirement figure actually includes and what it leaves out- Why owning your home outright dramatically changes retirement outcomes- How inflation, rising living costs, and Age Pension changes are increasing retirement pressure- Why retirement spending is rarely “flat” and usually changes over time- How to work out your own retirement number based on your lifestyle and goalsThis episode is for Australians aged 55+ who are trying to understand whether they have “enough” to retire comfortably. If you want clearer expectations, more realistic planning, and confidence around your future lifestyle and income, this conversation will help you move beyond generic retirement averages.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() Why Financial Advisors Aren’t Allowed to Say They’re Independent | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/What does it actually mean when a financial adviser says they’re “independent” and why are most Australian advisers legally not allowed to use the term? It’s one of the most misunderstood parts of financial advice, especially for Australians trying to work out who they can trust.In this episode, Scott and Phil unpack how financial advice regulation works in Australia, why adviser commissions were largely banned years ago, and the strict legal rules around the word “independent.” They also explain how advisers select products, structure advice, and what clients should really be looking for when choosing an adviser.You’ll learn:- Why most Australian financial advisers legally cannot call themselves “independent”- How life insurance commissions still work and why they’re treated differently under the law- The difference between product-based advice and strategy-first financial planning- What “product agnostic” advice means in practice- The key questions to ask when choosing a financial adviser for retirement planningThis episode is for Australians aged 55+ who want to better understand how financial advice works before making important retirement decisions. If you’re comparing advisers, reviewing your super strategy, or trying to avoid conflicted advice, this conversation will help you ask smarter questions and make more informed choices.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() What Changed With Centrelink? The Rules That Affect Your Pension | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/Three key changes to the Age Pension happened at the same time but most people only noticed one. If you don’t understand how Centrelink actually assesses your situation, you could be making decisions that unintentionally reduce your pension.In this episode, Scott and Phil break down how the Age Pension really works from the assets test and income test, to deeming rates and recent rule changes. They also walk through real examples to show how small differences in your financial position can impact your entitlement.You’ll learn:- How Centrelink applies the assets test and income test — and which one actually matters most- What counts as an asset (and what doesn’t), including super, property, and personal items- How deeming rates work and why they often benefit retirees more than expected- Why gifting money to family doesn’t immediately improve your pension position- How small changes in assets or income can significantly affect your Age Pension entitlementThis episode is for Australians aged 55+ who want to understand how the Age Pension fits into their retirement plan. If you’re approaching eligibility or already receiving payments, this will help you avoid common mistakes, protect your entitlements, and plan more effectively.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() Most Aussie Don’t Understand Their Super Insurance | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/You probably already have insurance inside your super but do you actually know what it covers? For many Australians, this “set and forget” insurance can be misunderstood, underfunded, or not fit for purpose when it’s needed most.In this episode, Scott and Phil unpack how insurance inside super really works, what types of cover you may already have, and why it often doesn’t align with your actual financial needs. They also explain the key differences between default cover and tailored insurance strategies.You’ll learn:- What types of insurance are typically included in super (life, TPD, and income protection)- Why default cover is often lower than expected, and may not cover your real needs- How policy changes and fine print can impact your ability to claim- The difference between default super insurance and fully underwritten retail policies- When it makes sense to keep your existing cover, and when to review or replace itThis episode is for Australians aged 55+ who want to protect their family, income, and retirement plans. If you haven’t reviewed your insurance in years, this conversation will help you understand what you have, what you might be missing, and how to make more informed decisions moving forward.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() SMSFs Explained: Why More Australians Are Switching | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/Self-managed super funds (SMSFs) are booming but does that mean they’re right for you? With over $1 trillion now sitting inside SMSFs, more Australians are taking control of their super… but not always for the right reasons.In this episode, Scott and Phil break down the reality behind SMSFs — why they’ve grown so quickly, who’s actually setting them up, and the key risks most people don’t consider. They explore when SMSFs can work well, and when they can quietly create more problems than they solve.You’ll learn:- Why SMSFs have grown to over $1 trillion and who is actually using themThe most common reasons people set them up, including property and alternative investments- The real costs, responsibilities, and compliance requirements involved- Why “more control” can increase risk if you don’t have a clear investment strategy- When an SMSF might make sense and when a regulated super fund may be the better optionThis episode is for Australians aged 55+ who are considering taking more control over their super or exploring SMSFs. If you want to understand the trade-offs, avoid common pitfalls, and make informed decisions about your retirement savings, this episode will help you approach it with clarity.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() What Is TTR? Transition to Retirement Explained Simply | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/You’ve probably heard someone mention a “TTR strategy” but what does it actually mean, and should you be using it? For many Australians, misunderstanding this strategy can lead to missed opportunities… or costly mistakes.In this episode, Scott and Phil break down Transition to Retirement (TTR) in plain English what it is, how it works, and when it actually makes sense. They also explain how the rules have changed over time and why many people are still working off outdated information.You’ll learn:- What a Transition to Retirement (TTR) strategy is and how it works from age 60- How you can use super to supplement income while reducing work hours- The rules around accessing super, including the 4%–10% drawdown limits- When TTR can be used for tax planning, cash flow, or future strategy- The risks of accessing super too early and reducing your long-term retirement balanceThis episode is for Australians aged 55+ who are approaching retirement and want to understand how to use super more effectively. If you’re considering cutting back work, improving cash flow, or planning the next phase of life, this episode will help you make smarter, more informed decisions.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
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| 5/25/26 | ![]() Why “Playing It Safe” in Retirement Can Cost You More | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/Debt recycling is everywhere right now but is it actually a smart way to pay off your mortgage faster, or just another risky strategy being overhyped online? The truth is, it can work incredibly well… but only if you understand the risks and structure it properly.In this episode, Scott and Phil break down how debt recycling works in plain English, why it’s gaining popularity again, and where it can go wrong. They walk through real examples to show how using home equity to invest can accelerate wealth but also highlight the behavioural risks that can derail the strategy.You’ll learn:- What debt recycling actually is and how it converts non-deductible debt into tax-deductible debt- How using equity in your home can help build an investment portfolio over time- Why this strategy can reduce your mortgage faster while growing long-term assets- The real risks, including market volatility and selling at the wrong time- Why consistency and discipline matter more than trying to time the marketThis episode is ideal for Australians who have built equity in their home and are looking for more advanced strategies to grow wealth and reduce debt. If you’re considering debt recycling or want to understand whether it’s right for your situation, this episode will help you approach it with clarity and caution.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() Downsizer Contributions: The Hidden Traps You Must Know | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/Downsizing your home and putting money into super might sound simple but it can come with hidden risks that catch many Australians off guard. From Age Pension impacts to costly moving mistakes, getting it wrong can have long-term consequences.In this episode, Scott and Phil break down how downsizer contributions really work, when they make sense, and where people commonly go wrong. They explore both the financial and lifestyle trade-offs, showing why this strategy needs careful planning, not just a quick decision.You’ll learn:- How downsizer contributions work and who is eligible to contribute up to $300,000 each- Why selling your home can reduce or eliminate your Age Pension entitlement- The 90-day rule and timing traps that can invalidate your contribution- How moving costs, stamp duty, and lifestyle changes can erode expected benefits- Why testing a new location before downsizing can help avoid costly mistakesThis episode is for Australians aged 55+ considering downsizing or using home equity to boost retirement savings. If you want to avoid expensive errors, protect your income, and make confident decisions about where and how you live in retirement, this episode will help you plan it properly.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() Can Borrowing More Help You Pay Off Your Home Sooner? | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/Debt recycling is everywhere right now but is it actually a smart way to pay off your mortgage faster, or just another risky strategy being overhyped online? The truth is, it can work incredibly well… but only if you understand the risks and structure it properly.In this episode, Scott and Phil break down how debt recycling works in plain English, why it’s gaining popularity again, and where it can go wrong. They walk through real examples to show how using home equity to invest can accelerate wealth but also highlight the behavioural risks that can derail the strategy.You’ll learn:- What debt recycling actually is and how it converts non-deductible debt into tax-deductible debt- How using equity in your home can help build an investment portfolio over time- Why this strategy can reduce your mortgage faster while growing long-term assets- The real risks, including market volatility and selling at the wrong time- Why consistency and discipline matter more than trying to time the marketThis episode is ideal for Australians who have built equity in their home and are looking for more advanced strategies to grow wealth and reduce debt. If you’re considering debt recycling or want to understand whether it’s right for your situation, this episode will help you approach it with clarity and caution.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() Should You Pay Off Your Mortgage With Super at 60? | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/Should you use your super to pay off your mortgage when you turn 60? It’s one of the most common retirement questions Australians ask and the answer isn’t as simple as many people think.In this episode, Scott and Phil unpack the debate around entering retirement with debt. While many Australians are taught to eliminate their mortgage as quickly as possible, the numbers can sometimes tell a different story when superannuation, tax efficiency and long-term investment returns are considered.You’ll learn:- Why many Australians plan to use their super to clear their mortgage at 60- How investment returns inside super can sometimes outperform mortgage interest- The emotional vs mathematical decision of carrying debt into retirement- Why prioritising super contributions over extra mortgage repayments can be tax-efficient- The risks of entering retirement with too much debt and not enough superThis episode is for Australians approaching retirement who still have a mortgage or other debt. Understanding how super, investment returns and tax interact with your debt strategy can help you make smarter decisions and build more confidence heading into retirement.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() New Superannuation Tax Cap Changes & if it affects you. | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/Several important superannuation changes are coming in the new financial year and if you’re contributing to super or nearing retirement, they could affect your strategy. From higher contribution caps to the new payday super rules, it’s important to understand how these changes may impact your tax position and long-term retirement planning.In this episode, Scott and Phil unpack the latest updates following the release of Australia’s average wage figures and what they mean for superannuation limits. They also discuss potential tax changes being debated in Parliament and some of the hidden traps Australians should watch out for when managing their super contributions.You’ll learn:- How the concessional contribution cap is increasing from $30,000 to $32,500- Why the non-concessional cap will likely increase from $120,000 to $130,000- What the new “payday super” rule means and how it could accidentally push you over contribution caps- How high income earners could be affected by Div 293 tax when contribution timing changes- Why triggering the bring-forward rule accidentally can limit your future super contributionsThis episode is for Australians who are actively contributing to super or planning retirement in the next decade. Understanding these rule changes early can help you avoid costly mistakes, optimise tax outcomes, and ensure your super strategy stays aligned with the latest regulationAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() The Superannuation Tax Strategy Most Australians Underuse | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/If you’re in your 50s or early 60s, the next 5–10 years will shape what retirement actually feels like. And one of the biggest levers you have isn’t picking better investments. It’s using superannuation properly.In this episode, Scott and Phil break down why super is one of the most tax-effective structures available in Australia. They walk through how concessional contributions work, how the carry forward rule can dramatically reduce tax, and the common traps that can trip people up in their final accumulation years.You’ll learn: - Why super is taxed at 15% in accumulation and 0% in pension phase and why that matters - What a concessional contribution actually is (and how employer super counts toward the cap) - How the $30,000 annual cap works and how to avoid breaching it- How the carry forward rule can reduce capital gains tax or large income spikes- What Div 293 tax is and when high-income earners need to be carefulThis episode is ideal for Australians aged 55+ who are in their peak earning years and want to maximise retirement outcomes through smarter structure, not speculation. If you want to legally reduce tax, boost super, and make the most of the final stretch before retirement, this is essential listening.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() The Psychology of Money | See where you stand: free retirement readiness quiz → https://wealthlab.com.au/retirement-quiz/Ready to talk? Free intro call, no obligation → https://wealthlab.com.au/strategy-review/If you’re over 55, your biggest financial risk isn’t the share market or interest rates, it’s your behaviour. At this stage of life, retirement success is less about chasing returns and more about managing your mindset, your spending patterns, and your investment decisions.In this solo episode, Scott explores the psychology of money and how it impacts Australians approaching or entering retirement. With average super balances often sitting below what’s needed for a fully self-funded retirement, the difference between confidence and stress often comes down to behaviour, not just numbers.You’ll learn:- Why behaviour becomes more important than growth once you move from accumulation to retirement- How inherited “money scripts” can quietly influence your spending, investing and retirement confidence- The difference between scarcity thinking and structured asset allocation- Why holding too much cash can erode purchasing power over time- How to think about converting super into sustainable income, not just preserving capitalAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() Is “Free” Super Fund Advice Really in Your Best Interest? | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/Your super fund might be offering “free financial advice” but what if that advice quietly costs you over $100,000 in retirement income? In this episode, we unpack a real case where limited advice inside a super fund led to a costly Age Pension mistake.You’ll learn:- What “intra-fund” advice actually covers — and what it legally cannot advise on- Why retirement planning requires considering both partners, not just one super account- How moving super into pension phase at the wrong time can reduce Age Pension eligibility- Why money held in accumulation phase may be exempt from Centrelink assessment (if one spouse is under Age Pension age)- How missing broader advice can cost six figures in Age Pension payments over timeAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide | — | ||||||
| 5/25/26 | ![]() How the Age Pension Really Works (With Real Case Studies) | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call →https://wealthlab.com.au/strategy-review/Superannuation, the Age Pension and tax rules can feel like a minefield and one wrong move can cost you tens of thousands of dollars. In this episode, we walk through real-life case studies that show how small timing and structure decisions can dramatically change your tax bill and pension outcome.You’ll learn:- How delaying the sale of an investment property by weeks or months can significantly reduce capital gains tax- Why selling assets in your last year of work is often far more expensive than selling after retirement- How catch-up concessional super contributions can be used to legally reduce tax on large capital gains- How Centrelink’s assets test and income test really work for couples approaching the Age Pension age- Why income drawn from super does not count as income for the Age Pension, and how deeming actually appliesAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/ | — | ||||||
| 5/25/26 | ![]() Market Chaos, Rising Rates & Why Smart Investors Don’t Panic ( 2026 Market Outlook) | Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/Markets are volatile, interest rates may be rising, and the news feels chaotic but what does that actually mean for your retirement plans? In this episode, we unpack why reacting to headlines can quietly damage your super and long-term income, especially in the years leading into retirement.You’ll learn:Why trying to “time the market” often reduces long-term returns, even if you avoid some downturnsHow missing just a handful of strong market days can significantly shrink your retirement balanceWhat rising interest rates can mean for conservative portfolios, cash holdings, and bondsHow to think about superannuation as purpose-driven buckets, not one single pool of moneyAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/ | — | ||||||
| 1/22/26 | ![]() Super vs Inheritance: How Death and Gifting Impact Your Pension | Find out more → https://wealthlab.scoreapp.com/ or book in a complimentary chat https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab /What actually happens to your superannuation when you pass away, and how can gifting money to kids impact your age pension? In this episode, we unpack the often misunderstood intersection between super, inheritance planning, and Centrelink pension eligibility.You’ll learn:- How super is treated after death, and who really gets it- What the “gifting rules” mean for retirees helping out family- Why giving away money too soon could reduce your pension- How to plan smarter with re-contributions, beneficiary nominations & estate strategiesWhether you’re already retired, planning to downsize, or thinking about family wealth transfer, this episode will help you avoid costly mistakes and protect both your legacy and your income.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (AFSL 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/ | — | ||||||
| 1/13/26 | ![]() Gold in Your Portfolio: Is it Still a Safe Haven for Aussie Retirees? | General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/Find out more → https://wealthlab.scoreapp.com/Book in a complimentary chat here → https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab /Is gold still worth holding in 2026 — or is it just financial nostalgia?In this episode of the Wealthlab Podcast, we break down the real story behind gold and silver as part of your retirement strategy.We’re dissecting whether gold still offers Australian retirees a true safe haven amidst market volatility, examining its historical performance against inflation and other assets. The discussion unpacks whether its traditional role as a portfolio stabiliser holds up for those navigating retirement in today’s economic climate, considering practical implications for superannuation and investment strategies.👉 What you’ll learn:Does gold protect your retirement income from inflation?Is silver the better play for the next few years?Why gold’s track record might not match its reputationWhether ETFs, bullion, or neither are the right move for your portfolioAbout WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/LinkedIn: https://www.linkedin.com/in/wealthlabplusFacebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results.Wealthlabplus Pty Ltd (AFSL 485478). | — | ||||||
| 12/24/25 | ![]() 2025 Financial Wins & Losses: Key Retirement Lessons We Learned | General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/Find out more → https://wealthlab.scoreapp.com/Book in a complimentary chat here → https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab /What actually worked in 2025? And what should you leave behind before stepping into 2026?In this wrap-up episode, We reflect on the year in finance, client stories, wins, and challenges. From rising cost-of-living pressures to surprising super changes (or lack of), they share real conversations from behind the scenes — and what they’re advising clients to focus on heading into the new year.✅ What didn’t change in super – and why that matters✅ The 2025 money habits worth keeping (and ditching)✅ How everyday Aussies actually grew their wealth this year✅ The financial traps that caught people out – and how to avoid them✅ The biggest mindset shifts going into 2026Whether you’re feeling behind or just want to reset your strategy for the year ahead, this episode offers no-BS advice and a grounded perspective to help you build momentum.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/LinkedIn: https://www.linkedin.com/in/wealthlabplusFacebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results.Wealthlabplus Pty Ltd (AFSL 485478). | — | ||||||
| 11/5/25 | ![]() Is Early Retirement a Trap? The $150K Gap Most Aussies Miss | General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/Find out more → https://wealthlab.scoreapp.com/Book in a complimentary chat here → https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab /Think you're ready to retire? The average Aussie couple retires with $540K but needs $690K just to live comfortably. In this episode, Scott and Phil break down the real numbers behind retirement age, super balances, health costs, and the surprising impact of working just 3 extra years.Using live Mercer SuperCalcs, they explore:- Why retiring early gives you zero margin for error- How sequencing risk can knock 4 years off your retirement- What happens when you carry a $300K mortgage into retirement- Why working to 67 often means being funded to age 105- The key budget tool every Aussie needs (free download below)Whether you're retiring soon or planning ahead, this is a must-watch to avoid the biggest financial misstepsDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results.Wealthlabplus Pty Ltd (AFSL 485478). | — | ||||||
| 10/30/25 | ![]() Don’t Miss These Age Pension Opportunities | General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide/Find out more → https://wealthlab.scoreapp.com/Book in a complimentary chat here → https://meetings.hubspot.com/jkarauria/intro-call-with-jordan-wealthlab /Most Aussies nearing retirement are missing out on extra pension payments, simply because they don’t understand how deeming rates, super balances, and Centrelink assessments actually work.In this episode, we unpack how your assets and income affect your age pension entitlements, the surprising power of funeral bonds, and what you can do to legally maximise your retirement income.💡 Key Moments:Why deeming rates can cost you more than you thinkThe mistake people make with account-based pensionsHow to reduce your assessable assets without breaking the rulesWhat Centrelink looks for — and what they don’t explain wellReal-world strategies we use with clients every dayIf you or someone you know is approaching retirement, this episode is a must-listen.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/LinkedIn: https://www.linkedin.com/in/wealthlabplusFacebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results.Wealthlabplus Pty Ltd (AFSL 485478). | — | ||||||
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