The Wealthlab Podcast (Aust)

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

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

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

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

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

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

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

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

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

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/

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/

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).

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).