START WELL®

Dawn Thomas

Welcome to the START WELL® podcast – I'm Dawn Thomas, your host. As a mother, financial adviser, and researcher, I'm here to guide you on empowering the next generation's financial journey. Whether you're a parent, grandparent, or the coolest aunt or uncle, join me in exploring how impactful conversations about money can shape a young person's future. During each episode, we will be unpacking a resource or money concept, so you can take the conversation home with you. Let's harness their superpower of time and your superpower of influence to ensure they Start Well and thrive for a lifetime.

  1. The Quick-Start Guide to Investing - Glen James

    5 DAYS AGO

    The Quick-Start Guide to Investing - Glen James

    START WELL® Podcast Investing Simpler,Smarter and Sooner with Glen James How do you start investing without feeling overwhelmed, intimidated, or convinced you need to be an expert first? In this episode of START WELL®, we sit down with financial educator and award-winning author Glen James to unpack the ideas behind his book The Quick-Start Guide to Investing: Learn How to Invest Simpler, Smarter and Sooner, winner of ABBA Book of the Year and Personal Finance & Investing Book of the Year. This conversation is designed for young people beginning their financial journey and for parents wanting to bring meaningful money conversations back home. Rather than chasing trends or quick wins, Glen shares why successful investing starts with understanding your values, building strong foundations, and developing habits that last decades, not days. Together, we explore how investing can become simpler, calmer, and more intentional.   Episode Overview Investing often feels complicated because we start in the wrong place. Instead of focusing on products or predictions, Glen explains why understanding your why, your behaviour, and your long-term goals matters most. We discuss the realities of learning through experience, navigating online financial information, avoiding common behavioural traps, and helping young people build confidence in a world full of investing noise. This episode highlights how investing is less about perfection and more about patience, discipline, and clarity.   In This Episode We Discuss Money as a tool and the difference between being rich vs being wealthy •            Building strong financial foundations before investing •            Why your career may be your first and most important investment •            Helping young people navigate investing advice online •            Behavioural traps like hype, and FOMO, •            The importance of risk, time horizons, and goal setting •            Learning through early investing experiences, even mistakes •            Why long-term strategy matters more than short-term market movements Book Featured: The Quick-Start Guide to Investing: Learn How to Invest Simpler, Smarter and Soonerby Glen James & Nick Bradley Winner of ABBA Book of the Year and Personal Finance & Investing Book ofthe Year.   About Our Guest Glen James is an award-winning financial influencer, authorand podcast host known for making money conversations practical, relatable, and accessible. He is the creator of the Money Money Money podcast and author of Sort Your Money Out. Through financial content, Glen helps Australians build confidence with money and develop sustainable long-term financial habits.   Listen & Connect 🎧 Listen to more episodes of START WELL®wherever you get your podcasts. START WELL® is a podcast designed to help parents and young people start important conversations about money, values, and future choices, empowering the next generation to build financial confidence early.     General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision. You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

    47 min
  2. Retire Life Ready - James Wrigley

    23 MAR

    Retire Life Ready - James Wrigley

    START WELL® Podcast Episode 4: Retire Life Ready with James Wrigley  Episode Overview In this episode of START WELL®, Dawn speaks with Australian financial adviser, educator, and author James Wrigley abouthow retirement planning insights can help younger generations make better financial decisions today. Drawing on themes from his book Retire Life Ready,James shares stories and behavioural lessons gathered from years of working with retirees and pre-retirees, revealing patterns that often begin decadesearlier. Together, we explore purpose beyond retirement, thepsychology of investing, superannuation engagement, generational attitudes toward property, and why starting early matters more than chasing perfect returns. This episode bridges generations, showing how understanding long-term financial decisions early can create greater confidence, flexibility, and choice later in life.   💬 Discussion Points Rethinking Retirement •            Moving beyond the traditional retirement narrative of travel and upgrades Starting Early & Compounding •            The “Rule of Twenty” explained simply •            Compounding through the lens of opportunity lost by starting late •            Managing fear and avoiding panic selling during market downturns Superannuation & Early Engagement •            Why superannuation is a powerful long-term structure •            When young people should begin engaging with super •            Breaking inherited fear or disengagement around investing Property vs Shares & Generational Thinking •            The cultural pressure for young Australians to buy property •            How parental bias toward property can shape financial decisions •            Accessibility of investing through shares versus property ownership •            Rethinking perceptions of risk across different asset classes Behavioural Finance & Life Lessons •            Client case studies and behavioural patterns around money •            Whether financial fear is learned or inherited •            How financial literacy conversations evolve across generations Future Conversations •            Longevity and changing retirement expectations •            The evolving role of the Age Pension •            Moving beyond the traditional three-stage life model  Book Featured Retire Life Ready by James Wrigley A practical, story-driven guide to preparing for retirementthat blends financial education with real client experiences. The book explores wealth building, superannuation, retirement decision-making, and the behavioural side of financial planning, helping readers understand both what todo and why it matters.   Listen & Connect Listen to START WELL®: Available on your favourite podcast platform. Guest: Follow James Wrigley for accessible financial education and retirement insights across social media. START WELL® explores how young people can build strong financialfoundations through early engagement, education, and real conversations aboutmoney, behaviour, and long-term decision-making. General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because ofthat, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision. You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480Australian Financial Services Licence No.475964 (TWD Licensee Services).

    49 min
  3. The 100 Year Life - Michelle Flanagan

    14 MAR

    The 100 Year Life - Michelle Flanagan

    Episode Overview In this START WELL ® episode, Dawn sits down with ourresident book reviewer Michelle Flanagan to unpack The 100-Year Life by Lynda Gratton and Andrew Scott. The book challenges the traditional three-stage model oflife (education, career, retirement) and explores what happens when people routinely live into their 90s, 100s and beyond. The book aims to help people see longevity as a gift and not a curse. Together, Dawn and Michelle discuss how longer lifespanswill reshape careers, financial planning, education, and the way young people think about their future. The conversation brings the ideas in to household conversations.  In This Episode We Discuss: Why the “three-stage life” is becoming outdated The rise of the multi-stage life What this means for financial planning Why investing in yourself matters What this means for young people If we’re truly heading toward 100-year lives, then financialdecisions in our teens, twenties, and thirties carry even more weight. Startingwell isn’t about perfection, it’s about building habits, skills, and financial confidence early so that a longer life becomes an opportunity rather than a risk. Book Featured The 100-Year Life: Living and Working in an Age ofLongevity – Lynda Gratton & Andrew Scott   Listen & Connect If you enjoyed this episode of the START WELL ®  podcast, share it with a young person in your life or someone thinking about how to design a longer, more flexible future. And remember: the earlier you engage with your financialstory, the more options you create for the chapters ahead. General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision. You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

    37 min
  4. It's Not About the Money - Jenny Rolfe-Wallace

    2 MAR

    It's Not About the Money - Jenny Rolfe-Wallace

    🎙️ START WELL® Podcast Episode 1: It's Not About the Money With Jenny Rolfe-Wallace We’re kicking off the new season of START WELL® with special International Women's Day episode. This is a powerful and practical conversation for parents and grandparents who want to shape confident, financially capable young women. In this episode, Dawn sits down with award-winning financial educator and podcast host Jenny Rolfe-Wallace, creator of It’s Not About the Money, which received international recognition at the Money Awareness and Inclusion Awards. Together, they explore one of the most important foundations of financial wellbeing: 👉 We must start valuing the work of women at all levels, beginning in the home. Because when value is embedded early, it flows into decision-making, workplaces, policy and systems. When it’s not, we often find ourselves trying to prove there’s an issue instead of seeing and addressing it clearly. This conversation connects household money habits to broader themes of fairness, opportunity and justice. Why financial conversations at home shape lifelong confidence How valuing unpaid and paid work influences future earning power Why many women still feel they need to “prove” inequity exists The current workforce moment — and why it may be a powerful time for women to negotiate salary and conditions What supportive workplaces should be thinking about now: Meaningful parental leave Caring leave for those supporting ageing parents Support during menopause Paying people what they are worth Most importantly, we focus on what parents and grandparents can do this week to help the next generation start well. Resources discussed: MoneySmart budgeting tools and calculators Invisible Women by Caroline Criado Perez Money School by Lacey Filipich Who cooked Adam Smith's Dinner by Katrine KielosStop Fixing Women by Catherine FoxBreaking the Boss Bias by Catherine FoxKids Ain’t Cheap by Ana Kresina Workplace Gender Equality Agency data and gender pay gap insightshttps://sprouteducation.com.au/its-not-about-the-moneyhttps://www.iwd.net.au/homeDomestic Abuse:https://www.wa.gov.au/government/coercive-controlThis episode is a reminder that financial literacy isn’t just about numbers. It’s about value.It’s about confidence.And it’s about creating homes where young people grow up knowing their contribution matters. If this conversation resonated, share it with a parent, grandparent or educator in your life. General Advice Warning – This Podcast contains general advice. The information, including tax information and any advice provided in this Podcast, does not take into account your objectives, financial situation or needs. Because ofthat, you should before acting on the advice, consider the appropriateness of the advice, having regard to those things. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision. You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480Australian Financial Services Licence No.475964 (TWD Licensee Services).

    47 min
  5. Buying Happiness - Kate Campbell

    22/05/2024

    Buying Happiness - Kate Campbell

    Episode 12 of the START WELL ® podcast, titled "Buying Happiness," features  author and podcaster Kate Campbell. In this episode, Kate discusses her new book, which she had her friends in their twenties in mind, when she wrote this book. The book focuses on helping people find contentment with their financial situations while alsoempowering them to progress financially.   Kate emphasizes that money is more than just numbers. She highlights the importance of integrating one's money history and mindset with practical strategies for financial advancement. Her goal is to convey that understanding and managing money involves a blend of emotional and practical elements. She wants people to recognize that achieving financial well-being requires a holistic approach that includes both personal financial history and actionable steps for improvement. Kate also stresses the importance of not comparing oneself to others when measuring success. Instead, she suggests focusing on what you admire about others' achievements and how those can relate to your own goals.She has tips on how you can have open money conversations with others which is still inclusive and not presumptuous. When it comes to children, Kate provides tips for makingmoney conversations open and educational within the household. She advises explaining how financial systems work, such as how a mortgage needs to be paid off, and the concept of cash in an increasingly cashless world. She advises against expecting kids to do what you have done because what works for you may not work for them. It is more about supporting them in finding their own way,versus following your way. Kate recommends allowing children to take healthy financial risks, referring to the book "50 Risks to Take With Your Kids." This approach helps them learn to navigate different financialsituations. She says some of the best things happen on the other side of taking a risk. Additionally, she encourages involving kids in planning and budgeting for activities like holidays, helping them understand the end-to-end costsinvolved.   General Advice Warning – This Podcast contains general advice. The information, including tax information and any adviceprovided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to thosethings. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned andconsider its contents before making any decision. You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas isa Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064 480 Australian Financial Services LicenceNo.475964 (TWD Licensee Services).

    43 min
  6. The Richest Man in Babylon - Grant Millar

    10/05/2024

    The Richest Man in Babylon - Grant Millar

    Episode 11: The Richest Man in Babylon – Grant Millar In this episode of the START WELL® podcast, we have guest book reviewer Grant Millar, GIF master, dad of 2, financial adviser and former DJ (rumoured). We discuss the classic financial book The Richest Man in Babylon byGeorge S. Clason, which has sold over 2 million copies and been in circulation since 1926. Grant has engaged with this book as an audio book and provides notjust his experience, but the feedback from his family, from the small snippets they listened together to in the car. The book due to its language, which is written in olden style English, may not be everyone’s cup of tea but it still covers the important foundations of finance. Some of the writing in the way people are represented (or not represented) has not stood the test of time. Grant says this book couldbe engaging for some, and inaccessible to other (his family were not too impressed), however in all cases there is the opportunity to bring back money lessons from the book to the home. Grant recommends this as an audio book which you could complete in 3 hours. The Richest Man in Babylon: Key Principles Parables are grouped into overarching themes of financialadvice, notably "The Seven Cures" and the "Five Laws ofGold." Seven Cures For a Lean Purse: Start thy purse to fattening: Save 10% of income to build wealth.Control thy expenditures: Avoid unnecessary expenses. Make thy gold multiply: Invest wisely and compoundreturns. Guard thy treasures from loss: Avoid risky investments. Make of thy dwelling a profitable investment: Own yourhome. Ensure a future income: Plan for retirement and familysecurity. Increase thy ability to earn: Continuously developskills. Five Laws of Gold: Gold cometh gladly to those who save: Saving is thefoundation of wealth. Gold laboreth diligently for the wise owner: Investmentsgrow with wise management. Gold clingeth to the cautious owner: Invest wisely withexpert advice. Gold slippeth away from unfamiliar investments: Stick to what you know. Gold flees from risky ventures: Avoid impractical or aggressive strategies.These principles emphasize the importance of saving, wise investment, caution, and avoiding imprudent financial decisions.   Follow for more money conversations.             General Advice Warning – This Podcast contains general advice. The information, including tax information and any adviceprovided in this Podcast, does not take into account your objectives, financial situation or needs. Because of that, you should before acting on the advice, consider the appropriateness of the advice, having regard to thosethings. If the advice relates to a particular financial product, you should obtain the relevant Product Disclosure Statement for any product mentioned andconsider its contents before making any decision. You should consider talking to a financial adviser before making a financial decision.  Dawn Thomas is a Senior Financial Adviser and is an authorised representative of TWD Licensee Services Pty Ltd ABN 88 605 064480 Australian Financial Services Licence No.475964 (TWD Licensee Services).

    37 min

Trailers

About

Welcome to the START WELL® podcast – I'm Dawn Thomas, your host. As a mother, financial adviser, and researcher, I'm here to guide you on empowering the next generation's financial journey. Whether you're a parent, grandparent, or the coolest aunt or uncle, join me in exploring how impactful conversations about money can shape a young person's future. During each episode, we will be unpacking a resource or money concept, so you can take the conversation home with you. Let's harness their superpower of time and your superpower of influence to ensure they Start Well and thrive for a lifetime.

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