In this episode, Tex sits down with Craig Bigelow, lending advisor at Alcove and the Cash Flow Co.'s resident mortgage expert. Together they unpack everything you need to know about navigating property in the current climate.

With negative gearing changes making their way through parliament, rate uncertainty still very real, and borrowing capacities shifting, Craig breaks down what's actually happening on the ground and what it means for you.

What we cover:

• 🏠 Home buyers — Why the fundamentals haven't changed, what "survival is success" really means right now, and how to build the right buffers before you buy
• 📉 Borrowing capacity — How each 0.25% rate move impacts what you can borrow, and why your pre-approval might not be as safe as you think
• 💸 Investors — Who the new rules hurt, who they actually help, and how the $650K–$750K price point is about to get very crowded
• 🔄 Debt recycling vs. property — Why more people are looking at shares as an alternative, and how debt recycling stacks up in a post-negative-gearing world
• 🔒 Fixed vs. variable — The sharpest 1 and 2-year fixed rates right now (6.34%), what the banks' pricing tells us about where rates are headed, and why keeping some variable isn't just smart — it's essential

Chapters:

• 00:00 Intro & the Cashback Challenge
• 07:30 Welcome — what Craig is seeing on the ground
• 10:30 Home buyers: the fundamentals that haven't changed
• 18:00 Borrowing capacity & the pre-approval trap
• 22:00 The emotional vs. investment property trap
• 30:00 "Survival is success" — managing through a tough season
• 38:00 Investors: who wins, who loses, and the crowded price point
• 48:00 Debt recycling vs. property investing
• 56:00 Fixed vs. variable — the certainty trade-off
• 01:05:00 Craig's calculator tool & where to find him

Episode links

> The Cashback Challenge
Work with Tex to build a personalised plan for wiping 100k in interest off your home loan in the next 30 days. Grab your guest pass here. 

> Fixed vs Variable rates calculator 
Model different scenarios to consider what's best for you. Click here

> Book a free chat with Craig
Review your situation and best options. Click here 

The NEW Money Mentorship
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The 2026 Australian budget just changed the rules on CGT, negative gearing, trusts, and more. But is it as bad as the headlines say — and what do smart investors actually do now?

Terry sits down with Jayden Post from Cruz Financial and Adi Chanda from Alaya Property to cut through the noise and give you a practical, no-BS breakdown of what's changed, what it means, and how to position yourself going forward.

What you'll learn:

• 📌 The CGT shift that's been 26 years in the making — what the 50% discount being replaced by cost-base indexation actually means for your tax bill when you sell (and why it may not be as brutal as you think)
• 📌 Negative gearing isn't dead — it's just been quarantined — the crucial difference between losing your deductions and deferring them, explained in plain English
• 📌 Why new builds aren't the no-brainer tax play spruikers will tell you they are — Adi runs the actual numbers and the answer will surprise you (spoiler: established property only needs to outperform by 0.3% per year)
• 📌 The trust change that hits 1% of people but generates $4 billion — why it's the most defensible part of the whole budget, and what your alternatives are
• 📌 The real reason young investors are getting smashed — it's not just the rule changes, it's the cash flow crunch, and it was already there
• 📌 What a borrowing capacity drop from $1M to $700K does to property prices — the flow-on effect nobody's talking about loudly enough
• 📌 Why trying to "wait it out" might be the riskiest move of all — and the question Adi's team asks every client that reframes the whole decision
• 📌 Super didn't get touched — and it's still the best tax environment in Australia — how to use this while everyone else is panicking about everything else
• 📌 The structural housing problem no budget can fix — approvals, construction insolvencies, 500K migrants a year, and a rental vacancy rate under 1.5%
• 📌 The one thing every investor in the accumulation phase should be focused on right now — and it has nothing to do with which asset class you pick

The bottom line: It's never as bad as you think. It's never as good as you think. But you do need a plan — and this episode gives you one.

Resources mentioned
Adi's 2027 Tax reform Calculator

Guests:
Adi Chanda, director of Alaya Property
Jayden Post, director of Cruz financial planning 

The NEW Money Mentorship
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After six months of silence, Terry is back. and he's not just picking up where he left off. In this episode,  He pulls back the curtain on everything that's been happening behind the scenes at Cashflow Co: a surprise buyout offer from one of the country's biggest financial services firms, a pivotal conversation with his business partner Ryan about their future, and a complete rebuild of the Money Minded model from the ground up.

He shares the honest feedback that made him rethink his entire positioning, the new program he's built for homeowners in the messy middle of life, and what listeners can expect going forward: new shows, new experts, more video, and a much sharper focus.

If you've been wondering what's been happening, and where to from here, this episode is for you. 

The NEW Money Mentorship
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12 months ago, Doug and Kayla had two investment properties, one income, and zero financial slack. They were making bold moves—but flying blind. And the pressure was building. 

On paper, things looked good. In reality, they were drowning. 

Fast-forward 12 months:
• Household income up by 80k+
• Savings rate 10x
• Borrowing power increased by $600,000
• And two more properties on the horizon

In this episode, you’ll hear exactly how they made it happen—without burnout or sacrificing their values. Doug shares the real story: the career moves, mindset shifts, and strategic decisions that helped him go from underpaid to in-demand, with job offers rolling in and a promotion he earned (and helped create).

Listen in to learn:

• How to diagnose the real constraint holding you back
• The surprising link between business acumen and pay rises
• Why playing financial offense changes everything—fast

If you feel stuck despite your best efforts, this story will show you what’s possible when you get clear, deliberate, and start playing the right game.

WIN a 12 MONTH MENTORSHIP WITH TERRY
👉 Apply here to 'Earn Your Worth in 2026'

The NEW Money Mentorship
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If you want to earn a bigger income and find more meaning in your work, you need to become a better you. 

Building a development plan is how you put the principles of the Earn Your Worth Framework into practice. And it's how you get the laws of income on your side. 

Without a clear plan for your own development, you're just working for money and waiting for a pay rise. This is why most people are disengaged with their work, there's no sense of purpose, and no reliable way to measure progress. 

So in this episode, Terry breaks down his four part protocol for building a personalised development plan. This is how you can tap into Tony Robbins level motivation and give yourself a pay rise

In the first part, you'll see how to cultivate a clear sense of direction, even if you're not sure what you really want to do as a career. 

Then, you'll sidestep the number one mistake that slows your progress the most. 

In the third part, you'll learn how to benefit from others experience in a way that compresses the hardest part of learning something new. 

And finally you'll discover the 'learning ladder' method for accelerated skill development that will make you unrecognisable to your peers. 

By following this four part formula, you will achieve a level of mastery that makes you magnetic to money. 

WIN a 12 MONTH MENTORSHIP WITH TERRY
👉 Apply here to 'Earn Your Worth in 2026'

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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The 4 Invisible Forces That Decouple Time From Money

If you want to stop trading your time for money, and deliberately increase your earning power, you need to become a master of leverage.  

The more you can earn, the easier it is to save. And the easier it is to save, the faster you can achieve your financial goals. But most people go about this all wrong. We're conditioned to believe that income is a function of intelligence. And many smart people stay broke because of this belief.

The truth is, income is only loosely correlated to intelligence. 

Instead, income is about leverage. 

The greater your leverage, the greater your income. 

Leverage is the force multiplier that makes your time and talent more productive. But this can be a tricky concept to really grok, So in this episode, Terry breaks down the concept of leverage to first principles.

By walking through several powerful examples, he shows exactly what leverage is and how it works to decouple time from money. The four different forms of leverage, and exactly how you can become a master of leverage to predictably increase your income without getting lucky. 

🎿 Discover your leverage type here 

The NEW Money Mentorship
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If turning your purpose into a pay check is the ultimate cheat code, then what is the unlock? How is this actually done? In this episode Terry breaks down a 7 step science backed method for making it happen. 

In this episode, you’ll discover:

• The “Superpower Audit”: How to identify your rarest, most valuable skills—and why this is the secret to becoming irreplaceable in any industry.
• The Mindset Shift That Multiplies Results: Adopt the “scientist mentality” to fearlessly experiment, learn faster, and turn setbacks into breakthroughs.
• The 7-Step Scientific Method for Income: A step-by-step process to test, validate, and monetize your ideas—so you never have to settle for work that just pays the bills.
• The Value Equation Decoded: Learn how to create irresistible offers by maximizing dream outcomes and minimizing effort for your clients.
• Real-World Case Studies: See how these principles helped the host climb the ladder in elite sport, pivot to management consulting, and build a thriving business from scratch.
• Market Research Shortcuts: Discover how to instantly assess demand, competition, and profitability—before you invest your time or money.
• The Power of Differentiation: Why your unique journey and perspective are your greatest assets—and how to leverage them for maximum impact.
• Actionable Attraction Offers: Simple ways to attract your first customers and build a body of work that speaks for itself.

Whether you’re looking to climb the corporate ladder, switch industries, or build your own, this episode gives you the tools, mindset, and real-world strategies to turn your ideas into income—on your terms.

Ready to earn your worth? Hit play and start your transformation today

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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🔗 https://financialskill.scoreapp.com/ 
 

What if the key to making great money wasn't grinding harder, but discovering what feels like play to you but looks like work to everyone else?

In this game-changing episode of the Earn Your Worth series, Terry dives deep into the most crucial question of your career: How do you find work that doesn't feel like work?

🎯 You'll discover:
• The "Einstein fish test" - why you might be climbing the wrong tree (and how to find your water)
• Two ingredients that transform any job from drudgery to flow state
• The counterintuitive wisdom from the man who made more billionaires than anyone else (hint: it's NOT about the money)
• A little-known computer science algorithm that helps you find your perfect career fit faster
• Why loving your work but not getting paid kills your soul - and what to do about it
• The real reason career conversations feel so scary (and how to push through)

💡 Featuring insights from:

• Charlie Munger on finding your circle of competence
• Paul Graham's framework for doing great work
• Clayton Christensen's research on why Harvard grads end up miserable
• The "Slumdog Millionaire" approach to building unstoppable expertise

Warning: This episode will make you think. Hard. Terry doesn't just give you feel-good platitudes - he gives you the mental models and frameworks to actually figure out where you belong.

Whether you're stuck in a job that's sucking your soul, or you like your work but don't love it, this episode will help you find your thing - the work that only you can do.

Ready to stop being a fish trying to climb trees?

Access the free companion guide with all the tools, diagnostics, and reflection questions and resources mentioned in this episode.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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Most people are trapped in one of two career prisons - and they don't even know it.

In this episode of the Earn Your Worth series, Terry Condon reveals the "Hotel California Problem" that keeps smart, capable people stuck in work that either pays well but drains their soul, or feeds their identity but leaves them financially insecure.

You'll discover:

• The two toxic career mentalities that trap 90% of professionals (and why smart people fall for them)
• Why chasing money OR passion without purpose always leads to career prison
• The simple mindset shift that lets you have meaning, mastery AND money
• Terry's 3-quest superhero framework: Know Yourself, Serve Others, Amplify Impact

The brutal truth: We spend months researching where to invest our money, but only minutes thinking about where we invest our time and talent to EARN that money.

If you're tired of feeling trapped by golden handcuffs or struggling in a "cool" job that doesn't pay the bills, this episode shows you the way out - and how to create a career that energizes you while accelerating your financial progress.

Complete the Earn Your Worth Survey here. 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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Why do some people earn more without working harder? In this kickoff to the Earn Your Worth series, Terry unpacks the hidden economic law that quietly controls your income — and why fighting it keeps you stuck.

You’ll hear real stories of everyday people who stopped paddling upstream — and started letting this law do the heavy lifting. 

Inside:

• The surprising factor that decides how much you really get paid
• How one tiny shift tripled someone’s hourly rate overnight
• The unconventional move that makes you impossible to ignore

If you’ve ever felt like your income doesn’t match your effort, this is your sign to flip the script — and ride the wave instead.

🎧 Plus: Don’t miss the free Industry Report & AI Action Coach in the show notes 👇

Complete the Earn Your Worth Survey and access the industry report + resource guide for this series. 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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🔗 https://financialskill.scoreapp.com/ 
 

What if the problem isn’t how you’re managing your money—but how much you have to manage?

In this kickoff to the Earn Your Worth series, Terry Condon challenges the default focus on “financial defence” and flips the conversation toward something far more powerful: financial offence. 

This episode lays the groundwork for the upcoming series 'Earn Your Worth'. 

Expect to learn:
 • Why earning more (not saving more) is the fastest path to freedom
 • The overlooked money skill every generation needs
 • How commercial acumen unlocks choices—not just cash

Take the Earn Your Worth Survey to personalise your path through this series and access the free resource guide.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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What if financial goals aren’t just about numbers—but mindset, discipline, and the ability to back yourself?

In this raw, revealing crossover with Evelyn from Evelyn Finance, Terry Condon opens up about his journey from elite athlete and coach to founder of a financial education business. He shares how the same mental tools that drive world-class performance can unlock real financial freedom—if you know how to use them.

You’ll learn:

• The four money “fixes” that never work—and what to focus on instead
• Why financial stress has nothing to do with how much you earn
• How to define “rich,” “wealthy,” and “successful” in ways that actually stick

If you’ve ever set a financial goal and not followed through—this one’s for you.

The NEW Money Mentorship
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She retired 10 years early—then realized she was chasing the wrong goal.

Rachel Taylor did what most of us only dream of: she walked away from work a decade ahead of schedule. But once she hit “freedom,” something felt off.

In this episode, we explore what happens after you reach your financial goals—and how to make sure you’re chasing the right ones.

In this episode:
• Why early retirement left Rachel feeling lost
• The hidden cost of going back to work
• What she finally chose to build—and why it lights her up
• A powerful reframe for anyone feeling stuck or aimless

Rachel’s story is for anyone questioning their path, their purpose, or what “wealth” really means.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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This episode kicks off with a bang—Terry and Ryan dive into the firestorm that erupted after Terry's viral LinkedIn post on a heated debate between Daniel Priestley and Gary "Economics" Stevenson. The topic? A no-holds-barred conversation around wealth inequality, economic freedom, and whether taxing wealth is the way forward—or backward.

What started as a midnight YouTube rabbit hole turned into a 200K+ impression social firestorm. But more importantly, it opened the door for a rich conversation around:

• 🏦 Why taxing wealth vs. work strikes such a nerve.
• 🔥 The emotional and personal nature of economic debates—and how social media rewards outrage over nuance.
• 🧠 What both Priestley and Stevenson got right—and wrong—in their arguments.
• 🧭 Why it's critical for couples and families to form their own financial philosophies before being swayed by online drama.

This isn’t just about policy—it’s about how we think, talk, and feel about money, fairness, and freedom.

🔗 Links & Mentions:

• The original LinkedIn post that stirred the pot
• Diary of a CEO episode featuring Priestley vs. Stevenson

❤️ For Our Listeners:

Whether you're team "tax the billionaires" or "let the free market run," this episode will challenge your assumptions and offer new perspectives. Perfect for conscious couples building not just a budget—but a belief system.

👥 Join the conversation: What’s your take—tax wealth or expand freedom? leave a comment!

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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🔹 What if you won the money game—only to realize you were losing at life?
🔹 Why do so many high achievers chase a “broken scoreboard” of success?
🔹 How did a single conversation shatter Sahil Bloom’s definition of wealth?

💡 In this episode, we dive deep into the Faustian bargain of modern success.

Sahil Bloom knows this dilemma firsthand. A Stanford graduate who climbed the ladder of finance and venture capital, Sahil had the perfect life on paper. But then, a seemingly casual chat with a friend revealed a hard truth—he had been measuring wealth all wrong.

Now, with over a million followers and a transformative new book, The 5 Types of Wealth, Sahil shares his journey from chasing dollars to designing a life rich in purpose, relationships, and well-being. In this candid conversation, we unpack:

🔥 The mindset shift that rewired Sahil’s approach to wealth
🔥 Why financial success alone won’t bring happiness (and what will)
🔥 The powerful framework that will redefine how you measure a life well-lived

If you’ve ever felt like you’re living to work instead of working to live, this episode is your wake-up call. Tune in for an insightful, heartfelt, and life-changing discussion.

🎧 Listen now and start designing your own version of a truly wealthy life.

Resource Guide:

• Follow Sahil Bloom on Twitter: Stay updated with Sahil's latest insights and musings on Twitter.

Explore The 5 Types of Wealth Book: Discover Sahil's transformative guide to redefining wealth in his book, The 5 Types of Wealth.

The NEW Money Mentorship
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Steve and Santina spent 15 years grinding away in stable but unfulfilling careers, stuck in the messy middle of life—long commutes, stressing about debt, and little time for what really mattered. 

Fast forward just one year, and they’ve completely flipped the script:

✅ Both landed dream jobs that align with their values and lifestyle
✅ Eliminated the need for a second job while making faster financial progress
✅ Cut their work stress dramatically while accelerating their financial freedom by a decade

How did they do it? In this episode, they break down the exact steps they took to shift their mindset, manage change, and build a life they love—without waiting for a mythical "FIRE" number.

Inside this episode:
💥 The critical first move they made that set everything in motion
🔄 How Steve, a change management expert, applied his own strategies to their finances
⚡ The framework that helped them navigate fear and uncertainty with confidence
💰 Why their financial progress exploded after they stopped obsessing over money

If you feel stuck in the grind and want real financial transformation, this episode is your blueprint. Listen now! 🎧

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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Welcome back to the Money Minded podcast. 

We’re at the end of our escape plan series, and we promised you’d hear some success stories. 

So in this episode, you’re going to learn from Ryan and Mon just how powerful and valuable money skills really are. 

They never really had money problems, but they also knew they weren’t managing it well either. 

Ryan is a FIFO worker, and Mon handled the mental load that comes with money. They never really fought about it, 

But it wasn’t something they were doing well together. 

Mon would spend hours in bank statements and personal finance apps. 

Ryan would make money and then want to buy new toys. 

And it’s not like they couldn’t afford these toys. It was just the feeling of not making any real progress for how hard they were both working. 

When they started learning the money mapping method they kicked some massive goals. 

Mastering these money skills allowed them to:

• Pay off their consumer debt 
• Build a comfortable cash cushion 
• Pay down their mortgage faster 
• Build a 6 figure investment portfolio 

All while funding their wedding and honeymoon, and taking trips overseas and interstate for holidays. 

But it wasn’t all smooth sailing. About 12 months into their life threw them a curveball, and it was at this moment they realised just how valuable the skills they had acquired are. 

In this episode, they very generously take us inside this moment, and talk about how they worked together to manage one of the most difficult moments of their life. 

If you want to know the true value of being confident and capable with your money, this episode is for you. 

I hope you enjoy. 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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In the last instalment of their escape plan series, Ryan and Terry break down the fifth and final skill of their money mapping method: asset stacking. Learning how to transition from making a living from your human capital (time and talent), to making a living from your financial capital (money) is the only way to buy back your time and live life on your own terms.

Expect to learn:

• The two faulty assumptions that prevent progress.   
• The four money games, and how to play the odds 
• How risk is different from volatility, and how to manage the five dimensions of risk in pursuit of returns 
• The cheat code for maximising returns without having to know everything. 

This is not an investing 101 episode that stuffs you full of facts. It's a playbook for building one of life's most valuable skills.

Resources Mentioned:

1. Money Smart Compound Interest Calculator 
2. The Bitcoin Standard 
3. The Most Important thing 
4. A Random Walk down Wall Street 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

Join our podcast community
Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
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Setting the Context
In the sixth installment of The Escape Plan Series, Terry and Ryan guide you through one of the most transformative skills in their money mapping method:  Income Mapping. Building on previous episodes, this episode delivers a 'life changing' new way to gamify your spending, fast track financial progress and feel good about money. 

What you'll learn:

• The three patterns of financial underperformance that hold most people back. 
• The one habit that transforms saving and spending into an empowering practice.
• Why delayed gratification is not always 'good' and what works better. 
• The secret to achieving financial confidence, even on a modest income.

By the end of this episode, you’ll have a clear, actionable system for giving every dollar a job, ⚖️ balancing your present and future financial needs without feeling like you’re constantly sacrificing. 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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What if you could predict your financial future and spend guilt-free while still smashing your goals? In this episode, Ryan and Terry unveil the fourth skill in their Escape Plan series: cashflow forecasting—a game-changing tool that bridges the gap between where you are and where you want to be.

🔍 Here’s what you’ll discover:

• How one family transformed their dreams of traveling Australia into a reality, just by mastering this skill.
• The surprising truth about scarcity bias—and how it’s sabotaging your financial freedom.
• The two most common “money relationship” archetypes and how to break free from their traps.
• The step by step process for mastering this skill, and how to know if you're doing it effectively. 

💡 Ready to navigate your financial future with confidence? Hit play now to unlock the mindset shift that will change the way you think about money forever.

The NEW Money Mentorship
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In this episode, Ryan and Terry dive into the second key money skill in the money mapping method: monitoring your economic vitals. Discover how to move from guesswork to clarity, build a financial operating system tailored to your goals, and stop stressing about money. With insights from John D. Rockefeller’s habits to modern tools that make managing money easier than ever, you'll learn how to turn data into decisions and enjoy spending guilt-free. Don't just manage money—master it.

🎙️ What you'll learn in this episode:

• The surprising habit of John D. Rockefeller that made him a financial powerhouse
• How to stop "walking in circles" with your money and start making real progress
• The one tool you need to simplify and supercharge your financial decisions
• Why most people get stuck on financial guesswork—and how to break free
• How to instantly see if you're on track for your goals (and what to adjust if you're not)

The NEW Money Mentorship
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What if your financial future wasn’t just something to hope for, but something you could design with clarity and purpose? In this episode of The Money Minded Podcast, Ryan and Terry dive into the transformative concept of Future Authoring—a groundbreaking approach to making your money meaningful.

What you'll learn:

• Why traditional goal-setting methods often fall short and what to do instead.
• How to connect your finances to a life well-lived, transforming “money tasks” into purposeful action.
• The key to developing an internal compass for financial decisions, so your financial decisions maximise your return on life. 
• The secret to aligning with your partner and creating a shared vision for financial success.

Don’t just dream about financial freedom—start crafting it today. Tune in to discover the tools and mindset shifts that will help you transform your relationship with money and achieve what truly matters.

🔗 Links and Resources:
The 5 Life Windows
https://www.notion.so/cashflowco/The-5-Life-Windows-410402ca5e7b4690889451dc2ad3badd

🎧 Ready to take the first step toward financial clarity? Listen now and find out your financial skill score 👇

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In the third episode of the series, Ryan and Terry reveal the path that led to the development of the 5 skills that make up the money mapping method. They also share new research that explains why it works. 

In this episode: 

• 📚 The One Number that Matters Most: The one input that dictates almost all results in personal finance. From the biggest best known study every done.
• 🛠️ Why Prescriptions Don’t Work: Learn why following “one-size-fits-all” advice doesn’t build the essential skills needed for long-term success. 
• 🚧 The Skill Gap Holding You Back: Discover how a lack of financial skill not discipline or effort—is the real obstacle to achieving your full potential.
• 🧩 The Anatomy of the Money Mapping Method: how the 5 skills of money mapping work to help you scale your money mountain. 
• 🎯 The Science of Motivation: The latest research into how controlled and autonomous motivation affect financial wellbeing and long term results. 

Links to resources mentioned: 

1. Book: The Millionaire next door 
2. Book: Clearer Closer Better 
3. Research: Controlled vs Autonomous Motivation in Finance 

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Is money a friend or foe in your life? Join Terry and Ryan as they strip away the myths, fears, and confusion around money to help you build a healthier, more empowering relationship with it. They’ll take you back to basics, exploring what money really is (hint: it’s not the villain in your favourite movie) and why your beliefs about it might be holding you back.

Expect eye-opening insights, practical tips, and a deep dive into the language and psychology of money—because you can’t master what you don’t understand. If you’ve ever felt stuck, conflicted, or overwhelmed about finances, this episode is your money mindset reset. 

What you’ll learn in this episode:

• The surprising cultural myths that make us fear and loathe money.
• Why money is completely neutral—and how to use that to your advantage.
• How your subconscious beliefs might be quietly sabotaging your finances.
• A step-by-step process to rethink and redefine your relationship with money.
• What happens when you stop projecting fear and start seeing money clearly.

Ready to redefine your money story? Tune in now. 🎧✨

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In this episode, Ryan and Terry address the new name for the podcast, and preview their new series: escape plan 2.0. After more than five years and thousands of hours spent working 1:1 with people, they're revisiting season one and updating it. This series lays out their most important lessons and pulls back the curtain on their money mapping method.  

🎧 What’s Inside:

• The journey behind the name changes and why "Money Minded" resonates deeply.
• Their most important insight, and how it informs their best success stories.
• A sneak peek into the upcoming series – a comprehensive guide crafted from 5+ years of lessons, 109 episodes, and coaching over 1,200 people globally.
• Inspiring insights into turning financial challenges into a fulfilling climb toward lasting success.

💡 Key Takeaway: Forget chasing "easy" solutions. Real transformation happens when you enjoy the process of managing your money, building skills, and making empowered decisions.

Join us for this thought-provoking introduction as we redefine the way you think about money and kickstart your journey toward financial harmony and freedom.

The NEW Money Mentorship
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Cam was stuck. He’d thought building wealth through real estate would be his vehicle to financial freedom, but hit a serviceability ceiling.

He’d tried different careers, but nothing had really stuck. He was burned out and knew he had to reassess things.

So when he came across the concept of buying an established business, he looked a little harder than most.

And he found some genuine opportunities. But even though it’s a ‘buyers market’, it wasn’t easy. Finding the right business and securing finance came with some effort - but he made it happen.

And in this episode he takes you inside the process and explains how it all works.

Expect to learn:

• Why he prefers business over real estate as his vehicle
• Why buying business is a buyers market
• How he got the deal done by getting two variables right
• How he’s improving his asset from day one

Owning a business is the most likely way to build wealth, and buying one that’s already been built is the ultimate cheat code. In this ep, you’ll see why.

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So you've got a business idea, how do you know if it's good enough to take the leap? In this episode you'll learn a specific process for answering that question. Repeat founder Grant Butteriss shares one of the most valuable lessons he ever got in business (and the cost). Then, he shares a simple framework you can use to stress test your idea before taking the big bet. If you've ever wanted to do your own thing, but don't know where to start - this episode is for you.

Also in this ep:

01:30 Introducing Grant and His Background

03:08 Grant's Journey in Business

04:57 Challenges and Strategies in Business Growth

06:58 The Reform Story

19:19 Lessons from Business Failures

30:13 Validating Business Ideas

40:37 The Importance of Targeting Specific Groups

42:17 The Role of Connections in Problem Solving

45:12 Avoiding Common Mistakes in Customer Development

46:29 Balancing Passion and Pragmatism

50:38 Building a Business Model Hypothesis

55:57 Vitamin vs. Painkiller Solutions

01:07:13 Testing Customer Interest and Commitment

01:11:38 Overcoming the Fear of Failure

👉 Grants' Linkedin profile
👉 Grants' website 

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In this episode, Terry welcomes back Helen and Chase, who share their evolution since their last appearance in 2022. They discuss their struggles with initial investment property failure and how they've grown, both career-wise and financially, over the past few years. Helen and Chase dive into their ventures in real estate, Bitcoin, career shifts, and their new venture. The conversation highlights the importance of continuous learning and striving to create meaningful impact while juggling family and financial responsibilities.

00:00 Introduction and preview 
07:10 Big Changes Since 2022
14:02 Exploring Cryptocurrency Investments
19:03 Career Transitions and Personal Growth
30:09 Navigating Career Decisions and Trade-offs
31:20 The Addictive Nature of Career Gains
32:19 Realizations About Work-Life Balance
33:52 Reflections on Career Choices and Regrets
34:54 Starting a New Chapter: Closer to Home
36:06 The Journey to Reignite Passion
36:42 Rediscovering Chace's first profession
38:16 Building a Business Together
40:44 The Importance of Culture and Team Dynamics
42:55 Creating a Rewarding Client Experience
50:50 Challenges and Strategies in Business
55:30 Advice for Aspiring Entrepreneurs
01:03:15 Future Goals and Community Engagement
01:05:14 Conclusion and Final Thoughts

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Britt and Luke have always supported each other to go after their goals. But they'd gotten caught up living life on defence. Lurching from one spot fire to the next and never looking up to define their own direction. 

In this episode, Britt candidly takes us behind the curtain to show us how they pushed forward and created their own momentum.

And how they forged a financial foundation they could build on to make Britt’s business dream a reality.

If you’re feeling stuck in a reactive stance, and sick of living life on the back foot, this episode is for you.

The NEW Money Mentorship
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Bryce and Lisa got together after knowing each other for years. After moving in, they realised they didn't want to live like housemates anymore. But they weren't sure how they could combine their finances. 

Lisa was conservative and generally liked to keep her money saved. Bryce has run into debt on several occasions, and admits he always saw his money as his own.
After seeking guidance, they learned how to work together with their money, and how to set up their money life to achieve their goals. 

In this episode, they reflect on their journey and share the big lessons they've learned in the process. This episode highlights how being deliberate and intentional with finances can strengthen relationships and help couples achieve their shared ambitions. 

00:00 Introduction to Bryce and Lisa's Financial Journey
00:39 The Importance of Combining Finances
04:10 Early Relationship and Financial Challenges
06:09 Traveling and Managing Finances
10:55 Joining the money mentorship and Initial Impressions
13:09 Setting Up Financial Structures
19:25 The Benefits of Joint Accounts
25:08 Mapping and Forecasting Finances
26:53 Planning for Future Expenses
27:18 Intentional Decision Making
28:56 Reflecting on Financial Achievements
30:36 Refinancing and Financial Strategies
41:17 Career Flexibility and Creative Outlets
45:16 Future Plans and Personal Goals
50:54 Advice for Couples on Financial Unity
54:19 Conclusion and Final Thoughts

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Mastering Financial Goals: Terry Condon's Six-Step Sequence

In this episode, Terry shares his six-step sequence for funding any financial goal. This framework provides clear direction and an actionable plan for achieving financial objectives. Terry emphasizes the importance of setting clear targets, breaking goals into manageable milestones, celebrating progress, cutting out unproductive behaviors and relationships, strategically finding and raising money, and anticipating potential failures. He also shares personal examples and success stories, and directs listeners to a downloadable worksheet to apply the sequence to their own goals.

00:00 Introduction and Purpose
01:45 The Six-Step Sequence Overview
02:34 Step 1: Set Your Sights
03:16 Step 2: Make the Mountain Smaller
07:12 Step 3: Lose the Deadwood
10:01 Step 4: Plot Your Path
19:18 Step 5: Travel in Tribes
21:44 Step 6: Foreshadow Failure
24:55 Conclusion and Next Steps

>>> Access the worksheet <<<<

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In this episode of the Wealth Time Freedom Show, hosts Terry and Ryan discuss the challenge of analysis paralysis in the personal finance space and how tools can serve as an antidote. They define what constitutes a tool, emphasising its role in converting information into actionable insights and results. They explore various examples, such as spreadsheets and digital apps, highlighting their power to simplify complex decisions and facilitate progress. The discussion also touches on the importance of feedback loops and skill acquisition in enhancing financial management. 

00:21 The Curse of analysis paralysis

01:40 Defining and utilising Tools

03:55 The impact of technology: From iPhone to Apple watch

05:22 Navigating the world with tools

09:17 finding and Using effective Tools

11:35 Practical applications and feedback Loops

17:20 Wrapping up: overcoming analysis paralysis

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👇

The NEW Money Mentorship
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Join Terry and our new co-host Brooke Dawson, who brings thrilling personal news, as they dive into the vital topic of financial literacy for kids. This episode is crucial for parents eager to set their children on the path to financial independence.

Also in this ep: 

• The simple thought experiment that will change the way you help your kids.
• Why teaching kids about money is waste of time. 
• How kids can develop a healthy relationship with money while building self esteem. 
• How to turn money into a game kids love to play. 

Loaded with actionable advice, this episode will transform your approach to financial education, preparing your kids for a prosperous and confident future.

Resources:

• Stockspot - Investing for kids 
• Strong Money Australia - Podcast: Investment Bonds Examined
• Book: How Ella Grew and Electric Guitar 

Explore more on our website and stay connected through our social media for continuous insights and updates!

The NEW Money Mentorship
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If you're working harder and harder and the numbers are getting bigger but your life doesn’t feel like it's getting any better, this episode is for you. Join Terry as he reconnects with Mitch Parkins to uncover how he and his wife Brooke broke free of ‘the grind’ to get after their dream of travelling Aus.

Expect to learn: 

• The powerful psychological shift that preempted the change
• The process, resources and tools they used to build the skills and confidence to fund their trip
• The sequence of steps they took to ensure their experience isn’t setting them back, but propelling them forward.

Resources and links mentioned:

1. The 5 life windows visual
2. Episode 87
3. Episode 88

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Financial decisions can be paralysing. In this SHOT ep Terry shares his most powerful tool for making money moves 10x simpler. This simple question will unlock clarity and conviction while ensuring you accumulate the most valuable asset you can own. 

The NEW Money Mentorship
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Dive into a transformative conversation with renowned buyer's agent Cate Bakos on this week's episode. Whether you're navigating your first purchase or aiming to expand your property portfolio, Cate's insights are invaluable for every couple looking to strengthen their financial future together. Don't miss out on this essential listen for anyone serious about mastering the art of property investment!

• 🌟 Why Banks May Not Love Your Dream Property: Learn the risks and how to avoid them.
• 🔍 Real-Life Lessons on Financial Decisions: Hear about Cate's biggest property blunders and what they taught her.
• 🤝 Building a Supportive Partnership in Investments: Cate discusses the importance of alignment in couples' financial goals.
• 🚀 Evolving from Mistakes: Discover how setbacks can propel you to greater success.

By the end of this episode, you'll have a clearer understanding of how to navigate the property market with confidence and strategic insight, ensuring your investments not only grow but thrive.

Resources and Links

• Cate's website 

The NEW Money Mentorship
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In a very different ep, Mitch hosts Ryan and Terry on share what they’ve learned about personal transformation and change building their business and helping others achieve their goals.

You’ll hear the untold story of the business in detail they’ve never really talked about. And how you can use these insights to engineer powerful personal change in your own life.

Expect to learn:

• The missing third founder, and the moments that made the business a reality
• What starting out looked like, and how (and why) they persisted.
• The 6 step sequence that codifies all personal transformation and change
• The missing ingredient for achievement.

If you want to know how to tap into your primal programming to back yourself and make big things happen in your life, this episode is for you.

The NEW Money Mentorship
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This is one of our most dramatic transformations yet. In 18 months Avril Dunn has completely reimagined her life and career. Her future now looks nothing like her past. 

In this conversation, she takes us through where she’s been, where she is, and where she’s going. 

She also shares her experiences and lessons: 

• Investing herself to build new skills 
• Facing doubt and uncertainty 
• Putting herself in a position to capitalise on opportunities. 
• Backing herself to go after big ambitions. 
• Building the discipline to succeed. 

If you’ve got to this part of the year and it feels like the grind is getting the best if you and your best intentions are starting to slip away , Avril’s story is the red bull that gives you wings. 

The NEW Money Mentorship
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In this episode, Terry sits down with two exemplars of teamwork: Brooke and John Dawson. Their story of transformation is an inspiration for those who back each other, but find themselves bickering when it comes to money. 

12 months ago, they were working hard. But things weren't working. And taking on second jobs, and counting every cent didn't seem to matter.  They'd been focused on buying a home for years, but their efforts didn't seem to be paying off. 

They knew that if they couldn't figure it out, it would continue to create unnecessary stress and tension between them. In this conversation, they discuss how they went about transforming themselves, their money, and their lives. 

They now have choices they never thought they’d have. And they’re reconsidering what is possible for their future together.

If you’ve had big ambitions for the year, but that motivation is starting to slide, this episode will get you back in the game.

The NEW Money Mentorship
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Does it make sense to pay money to make money? That is the question and in this episode, Mitch and Terry get to the heart of the matter. Because the truth is, there are times when it does, and there are times when it does NOT make sense.  The rules and tools in this episode will help you make wise investments in yourself for the rest of your life.

Also in this ep:

• The hidden cost you're already paying 
• How 'myopic loss aversion' muddies our thinking 
• How to value financial education 
• Terry's three steps for determining how much to invest 

Resources and Links Mentioned

Terry's article
👉  'How Much Should You Pay for Financial Education?' 

1. Episode #87 Mitch and Brooke's story
2. Episode #88 on decisions 
3. Episode #78 Rachael Taylor 
4. Episode #21 The WHO not HOW rule 

The NEW Money Mentorship
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Timing the market is impossible. Timing your life cycle is MUCH easier and extremely important when it comes to debt. In this episode, Ryan and Terry debrief the series and use three powerful tools to help you get the timing and serving size right.

Also In This Episode 

• The debt quadrant for taking calculated risks
• The debt gauge for right-sizing exposure 
• The 5 Life Windows for timing debt decisions. 

Resources and Links Mentioned

Blog Post: Debt is a double-edged sword, here's how to wield it to build your wealth

The Ultimate Guide to Debt Recycling, how to pay of your home faster while building a passive income

UNLOCKED: Stepping into the 3rd Dimension. One of the most powerful modules in our mentorship.

The NEW Money Mentorship
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Time in the market buys alot of insight. In this episode, Bryce Holdaway delivers a masterclass packed full of 25 years of property investing wisdom. From his early forays and interest in property, this is a deep dive into the psychology and behaviour of property. This is a truly long term view of the asset class. 

Expect to learn: 

• The difference between horrible, tolerable and productive. 
• The difference between investment grade property and everything else. 
• How and why Australia's property market is unique and distinct from other countries. 
• How demographic shifts and government policies are likely to impact property prices in the next 5-10 years. 
• The role of Super in wealth creation

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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Big data is reshaping industries and economies, and Real estate is ripe for disruption. In this wide-ranging conversation with Goose McGrath founder and CEO of Dashdot, you'll discover how data-based decisions are being used to inform savvy property investments that help people escape the status quo.

This is good old property, but not at all as you know it. 

Also in this episode:

• The 3 stages of financial freedom
• The key insight behind Dashdot's unique approach 
• Why property is not at all like the stock market 
• How to think about and approach risk in investing and life 
• Scientific investing and how it differs from traditional investing
• S curve dynamics in Real Estate 
• The three phases of a property portfolio 
• The three constraints of a property portfolio 
• Property predictions for 2024/25

Resources and Links 

Dashdot - Property Growth Partner
Dashdot Insider - Podcast
The Wild Goose Chase - Podcast
Goose McGrath - Linkedin Profile 

The NEW Money Mentorship
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A mortgage can be one of your greatest allies for building wealth, or it can be a noose around your neck. It all depends on how you use it. To sidestep the biggest mistakes is to know what they are. And few are more experienced than Sarah Thomson. After more than 20 years as a broker and over 1 Billion in loans written she's seen it all. 

Also in this episode: 

• The hidden value a broker provides (that can be pivotal) 
• How brokers get paid (and how they don't get paid) 
• Red flags to look out for when choosing a broker 
• The most costly mistakes to avoid when taking on a mortgage

Knowing how to partner with the banks to win the wealth game is critical. And in this episode, you get a peek inside Sarah's playbook.

The NEW Money Mentorship
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In the first episode of this series, Ryan and Terry explained why debt is so important for growing your money.  In this episode, they explore the different ways debt can be used to build wealth. 

Expect to learn: 

• The different types of debt: consumer, hybrid, investment
• 2 common ways debt s used to build wealth 
• 2 less common (but lucrative) ways debt can be used 
• How to make yourself attractive to the banks

The NEW Money Mentorship
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What everyone knows is usually wrong.  And the narratives surrounding debt are a classic case. In this episode, you'll discover why and how debt IS the most powerful tool for putting your money to work. And why not having and using debt is one of the biggest risks you can take financially. 

Also in this episode: 

• How early relationships with authority figures shape our relationship with debt
• Why past experiences of others need to be analysed before being taken on 
• How and why savers lose in a debt-based system 
• The winning money move most experts miss. 

The NEW Money Mentorship
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Debt is demonised, but what if it is THE most powerful tool you can wield to build your wealth.  In this series you'll learn why 'debt is bad' is one of the most damaging messages in personal finance. Tune in to this ep so discover what we'll cover and why now it the best time to get across it. 

The NEW Money Mentorship
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The Passive Income Project is no more! And in this episode, Ryan and Terry talk through the reasoning for retiring the name. And they explain why Wealth Time Freedom (WTF) was chosen as the new torch. Finally, they reveal the topic for their next series on the podcast. Tune in to find out!

The NEW Money Mentorship
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If you want to know how to master the money game to win the wealth game (and how they're different) this is the ep you've been looking for.

Matt from the Aussie Firebug is back for another epic conversation. This time we discuss his revelations and a shift in direction and focus in his FIRE journey.  We examine the good, the bad and the ugly of the FIRE movement. 

Also in this episode: 

• Travel as the ultimate investment
• The role of meaningful work vs retirement 
• The unquantifiable value of investing outside of Super 
• Why it's easier to use money made from dividends vs growth-oriented portfolios

This episode is packed full of transformational perspectives and powerful truths told in retrospect. It will encourage you to step back, reflect and reset.

Resources Mentioned

AFB Article: FIRE/Life update
Reddit Article: I lost the love of my life because of FI, don't be me

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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In this ep, Terry and Ryan explain why they're primarily saving in Bitcoin right now.  Guided by the intersection of monetary policy, Bitcoin behavior, and seismic shifts in the financial landscape.  They also share a few good reasons why you should think twice before buying any at all.

Expect to learn: 

• When 'speculating' is worthwhile. 
• The drivers pushing interest rates down, not up
• Why the big money wants into Bitcoin
• How Bitcoins 'halving cycle' could catalyse the next bull run. 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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In this ep, Terry scrutinises the latest Rate rise, and the human folly behind it. Then Ryan and Terry detail all the ways we’re likely to trip ourselves up as we enter the most uncertain economic period in the last 30 years. Using the inversion principle, they explore the pitfalls, and preventable mistakes we tend to make when fear hijacks our thinking in times of economic instability.

Also in this episode:

• The two ways we tend to overreact to change 
• Two data points that cause investors to self-sabotage amidst volatility
• The big career mistake that will cost you peace of mind and progress

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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What if your deepest desires are the key to unlocking unparalleled wealth and fulfillment? We're not talking about the fleeting whims or material possessions, but those profound wants that drive you, shape you, and unleash your true potential. In this episode, we're turning the tables on conventional wisdom and igniting a discourse about the power of wants and desires in propelling personal growth, actualization, and wealth creation. 

Challenging beliefs and expanding perspectives, we probe into how the pursuit of our wants can spark creative energy and lead to tangible results. We differentiate between wealth and money, urging you to carve out a life not merely rich in money but in experiences and achievements. We touch upon the concept of memetic desire and the need to separate wants that are internally driven from those influenced by external factors. It's about aligning your desires with your best self and not being swayed by societal norms or judgments.

Finally, we underscore the power of declaring your wants and breaking free from the fear that keeps you tethered. Through inspiring anecdotes, we highlight how ignoring the judgment of others can lead you to 'blowout success'. It's about finding your leverage, spending time on things that are meaningful, and embracing the journey of actualisation. By the end of this episode, you wouldn't just comprehend what living a wealthy life entails, but also be charged up to embark on your self-actualization odyssey. It's time to declare your wants, chase your desires, and unlock a life brimming with wealth in its truest sense.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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In this short episode, Terry shares a candid conversation he had with one of Australia's most revered champions - and how it shaped the way he thinks about pursuing big ambitious goals. If you're going all in on something, but you're doubting yourself this episode is for you. 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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The debate surrounding the Voice to Parliament has reached fever pitch. And for many of us, constructive conversations are hard to come by. But is this really because we can't agree or don't want the best for everyone? Or are we being played by a political apparatus that doesn't want us to look deeper at the unspoken economic issue at the heart of it all. 

We all get to make a life-changing decision on Saturday the 14th of October. And getting beyond the headlines is critical if we want to get it right. In this conversation, Ryan, Terry and Mitch do their best to have a thoughtful discussion about internal and external obstacles that are getting in the way of clear thinking and constructive conversation.   

Resources Mentioned:
👉 Uluru Statement of the Heart
👉 Fact Sheet: Constitutional Amendments
👉 The Voice Handbook
👉 Terry's Article: We're all 'Racist', Let's Fix it

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We're evolving the way we produce this show. We've heard you for a while now. More of you want more content, more often. In this ep we outline how we're investing more into this podcast and changing our approach to give you more of what you want. 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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In this episode, Mitch Parkins joins Terry to decode and dismantle the biggest money  misnomer money: that conditions must change before progress can occur.
The most powerful gift you have to create the life you want isn't outside of you. It is within you. Your decisions shape your reality, but indecision only leads to a life of misery.

In this episode, Mitch and Terry share everything they've learned combatting the 'miserable maybe' in their own lives. Plus what they've seen and understood helping hundreds do the same. If you've ever found yourself paralysed by decisions that have the power to move the needle in your life, this episode is for you.

Also in this episode:

• Why we're so afraid of decisions (and who's the blame)
• How to face down your fear of making decisions 
• Why every decision is a 'win' whether it works out or not. 
• The 7 questions Mitch and Terry use to make important decisions that have the power to shape their future. 

The NEW Money Mentorship
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Are you ready to redefine your relationship with money and turn it into a powerful tool for building your dreams? Tune in as we sit down with Mitch and Brooke, an inspiring couple who’ve done just that. From traditionally divided roles to what they call a 'money project', they’ve transformed their financial lives and in the process, created a life they love. Their journey is an eye-opener about the importance of financial communication, sharing goals and understanding roles in a relationship.

We also dive into their mentorship experience that helped them kickstart this transformation. From making assumptions to opening up about their dreams and financial goals, their story is both relatable and aspirational. Mitch and Brooke's shared vision became the driving force behind their financial decisions, proving that when coupled with financial alignment, your dreams are not far from reality.

But it doesn’t stop there. The couple’s shift in money management roles and how they started working as a team will have you rethinking your own financial dynamics. Using money mapping and forecasting, they’ve created a life they never wanted to escape from. Can you imagine that? So come join us for a chat that could inspire you to start making sound financial decisions with your partner, and who knows? It just might empower you to transform your own life through financial alignment. Listen now!

The NEW Money Mentorship
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In the first two episodes of the love and money series, we explored the symptoms and revealed the causes of Dysfunctional Harmony. In this episode, you'll discover the cure.

Helen and Terry reveal the most important factor for flipping the script, and why the SCARF model reveals for roadmap for reimagining your financial future as a couple.

Also in this episode:

07:13 👉 How 'psychological safety' influences your ability to collaborate as a couple
07:55 👉 Breaking down the SCARF model to apply it to couples and money
11:53 👉 Why couples 'burn out' despite their best intentions
20:11 👉 The three different types of accounts you need (and how we configure them)
31:43 👉 The shockingly simple idea that ELIMINATES financial stress and conflict

Show notes 
Click here to see notes on this show and all resources & links mentioned.

The NEW Money Mentorship
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Money talk can be a minefield for couples. And for many it often becomes easier to avoid. But by understanding the true sources of tension and conflict, you can transcend it. In the second episode in the Love and Money series, Helen and Terry diver deep into the unconscious jobs we give money, and how these stories undermine our ability to cooperate with others effectively. If you've struggled with money talk in the past, this episode will explain why, and give you the tools you need to succeed. 

Also in this episode: 

• Why and how most couples tolerate 'norms' they hate
• Decoding our patterns of existence with The Four Financial Alter Egos 
• Unravelling our money stories through three layers of meaning

Access Your Easter Eggs Here
👉 unlock and access the four financial alter egos module
👉 step-by-step conversation planner.

Show Notes
Click here to see notes on this show and all resources & links mentioned.

The NEW Money Mentorship
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In the first episode of this series on Love and Money, Terry is Joined By Helen Wilkie. Helen was featured with her partner Chace in PIP #59 and has now coached couples coming through the mentorship. In this episode Helen and Terry preview the couples series and start by exploring a single question: is the way we're working with money holding us back? 

To answer that question, you'll learn:  

• How to spot the 5 Warning Signs of Dysfunctional Harmony
• Why unrealistic ideals lead us astray
• What being ‘on the same page actually looks like’

If you've ever wondered whether you could be working better together and what that could actually look like, this episode is for you.

Show notes: 
Click here to see notes on this show and all resources & links mentioned.

The NEW Money Mentorship
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Ryan and Terry debrief the Jonathan Bi interview and discuss how they're using mimetic theory to better understand life's most important decisions.

Also in this ep:

• How to weed your wants to get more meaning from your efforts
• A more nuanced pursuit of 'retirement' 
• How to switch your mimetic nature on and off using a key character trait

👉  Level up with Compass
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Show notes: 
Click here to see notes on this show and all resources & links mentioned.

The NEW Money Mentorship
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Our results and reality are created by our decisions. But our decisions are directed by our desires. So by better understanding and interrogating our desires, we can improve the quality of our lives.

In this episode, Terry chats with Jonathan Bi. Jonathan is one of the world's preeminent experts on Renee Girard’s theory of mimetic desire. This conversation brings a more practical, real-world understanding of this idea and how we can use it to more consciously pursue a rich and meaningful life through our life choices.

Also in this episode:

• A fundamental, first principles explanation of where our wants come from
• How to identify pursuits of ‘prestige’ that leave us unsatisfied
• How to use mimetic desire to amplify achievement

👉  Level up with Compass
Get started using the only habit formation system for personal finance.

Show notes: 
Click here to see notes on this show and all resources & links mentioned.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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In this episode, Ryan and Terry sit down to discuss and debate their takes on PiP#80 with Jeff Booth. And they explore how they are thinking about using this information to guide their investing and career decisions going forward. 

Also in this episode: 

• The debt debate, is it a wealth tool or a poison chalice? 
• The new paradigm shifts technology is making possible
• How to create opportunities and wealth in the new economy we're heading into. 

👉  Level up with Compass
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Show notes:
Click here to see the transcript and links to all resources 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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AI is changing the way the world works - in front of our eyes. And in his best-selling book 'The Price of Tomorrow', Jeff Booth predicted it. In this episode, Jeff calls it as he sees it and details who the winners and losers will be in an AI world. He also explains how he's playing it.

Expect to learn:

• Investment risks for those who concentrate their wealth and are not responsible with debt. 
• The technology 'land grabs' that are opening up right now for the proactive. 
• Why he believes Bitcoin is the safest financial footing to stand on. 
• How our generation can build a new world that benefits all. 

👉  Level up with Compass

Get started using the only habit formation system for personal finance.

Show notes: 
Click here to see notes on this show and all resources & links mentioned.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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If you've ever wanted to know more about what's in the money mentorship and how it works, this episode answers every question you ever had.

Following up on their 'hacking money habits series' and Rachael Taylor's story, Ryan and Terry reveal the 'secret sauce' behind success stories like Rachael Taylors (ep #78). Specifically, you'll discover how the tools of behaviour science, game design and success pyschology can be used to pursue and achieve your goals. 

Also in this episode: 

• The design principles and philosophy that underpins the 'Money Mentorship' 
• An overview of four 'evolutions' and the evidence based tools within each
• The difference between financial education and financial advice. 
  
  

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Show notes:
Click here to see notes on this show and all resources & links mentioned.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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In this episode, Terry chats with program alumni Rachael Taylor. Rachael is the perfect example of what it looks like when someone who was working hard, finally puts it all together and learns how to use money to change their life. If you’ve ever wondered if you’ve waited too long to make money a project, you need to listen to this episode.

Show notes:
Click here to see notes on this show and all resources & links mentioned.

👉  Level up with Compass
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The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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Motivation comes and goes in waves. But how can you make waves so you can persist when pursuing your goals? In this episode, Terry sits down with NYU Motivation scientist Emily Balcetis to discuss her work on how perception can change our ability to persist in the pursuit of any goal.

Also in this episode:

• How the sense of vision is different from our other senses (and why that matters in the context of goal pursuit). 
• How to get motivated when you're not yet confident or competent
• The different ‘frames’ we need to adopt at the start, middle, and end of any goal pursuit.
• A simple strategy for reclaiming your confidence when it feels like you’re getting nowhere.

Show notes:
Click here to see notes on this show and all resources & links mentioned.

👉  Level up with Compass
Get started using the only habit formation system for personal finance.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
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Every financial decision is a vote for where you'll end up in the future. But most happen on the fly. So how do we make sure we're making great day-to-day financial decisions without becoming exhausted and overwhelmed in the process? 

In this episode, Ryan and Terry explore the structural dimension of change. Structure dictates behavior, so by changing the structure you can tune your behaviour to align with your goals automatically. 

Also in this episode: 

• How to know whether your current banking structure is working for or against you
• The two 'jobs' a good banking structure must accomplish for its user 
• 5 Steps to customise your banking structure by gearing it to your goals. 

👉  Level up with Compass
Get started using the only habit formation system for personal finance.

Show notes: 
Click here to see notes on this show and all resources & links mentioned.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

Join our podcast community
Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
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Humans are social animals, and change is a social phenomenon. In this episode, Ryan and Terry explore the concept of 'mimetic desire' to understand the role it plays in the pursuit of what we want and how our wants change us. 

Also in this episode: 

• The origins of mimetic theory 
• Where our wants come from (and how they can work against us) 
• How to 'weed your wants' and escape the rat race 

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Show notes: 
Click here to see notes on this show and all resources & links mentioned.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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Yu Kai Chou is one of the world's foremost experts on motivation and game design for real world outcomes. He has advised and consulted to organisations like Uber, Tesla, Oxford, Yale and Stanford universities among many others. In this conersation he shares his Octalysis framework for gaming motivation and gearing it toward your goals. 

Also in this episode: 

• The unorthodox source of Yu Kai’s expertise.
• Why making things more interesting and enjoyable works better than rewards.
• The 8 universal core drives that motivate us to act.
• How to mix Black hat and White hat drives to start and sustain our efforts.

👉  Level up with Compass
Get started using the only habit formation system for personal finance.

Show notes: 
Click here to see notes on this show and all resources & links mentioned.

Private podcast community:
Click here to get to know us better, debrief episodes, and access our top 100 resources.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

Join our podcast community
Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111

Find out your financial skill score
Do you have the money skills to fund your goals? Take the 4 minute quiz here
🔗 https://financialskill.scoreapp.com/ 
 

BJ Fogg is the Einstein of Behaviour change. He studies and teaches behaviour science at Stanford, and chances are, you interact with tools and tech built on his insights several times a day.