108 episodes

Personal development for personal finance. (Formerly The Passive Income Project)

Wealth Time Freedom (WTF‪)‬ The Cashflow Co

    • Business
    • 4.8 • 202 Ratings

Personal development for personal finance. (Formerly The Passive Income Project)

    Cate Bakos | Mastering Real Estate Investing And The Pursuit Purposeful Work

    Cate Bakos | Mastering Real Estate Investing And The Pursuit Purposeful Work

    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 

    Join the Private Podcast Community
    Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.

    Other links 👇

    Money mentorship:
    Click here to start putting what you've been learning into practice.


    Corporate program:
    Click here to find out more about our workplace program


    Follow us on Instagram:
    Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

    • 57 min
    How Personal Transformation Really Works: The Untold Story of The Cashflow Co

    How Personal Transformation Really Works: The Untold Story of The Cashflow Co

    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 realityWhat starting out looked like, and how (and why) they persisted.The 6 step sequence that codifies all personal transformation and changeThe 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.


    Join the Private Podcast Community
    Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.

    Other links 👇

    Money mentorship:
    Click here to start putting what you've been learning into practice.


    Corporate program:
    Click here to find out more about our workplace program


    Follow us on Instagram:
    Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

    • 1 hr 1 min
    Avril Dunn | Reimagining Life and Work, and Facing The Fear of Change

    Avril Dunn | Reimagining Life and Work, and Facing The Fear of Change

    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. 


    Join the Private Podcast Community
    Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.

    Other links 👇

    Money mentorship:
    Click here to start putting what you've been learning into practice.


    Corporate program:
    Click here to find out more about our workplace program


    Follow us on Instagram:
    Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

    • 50 min
    #104 Brooke and John | From Bickering About The Little Things to Making the Big Things Happen

    #104 Brooke and John | From Bickering About The Little Things to Making the Big Things Happen

    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.


    Join the Private Podcast Community
    Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.

    Other links 👇

    Money mentorship:
    Click here to start putting what you've been learning into practice.


    Corporate program:
    Click here to find out more about our workplace program


    Follow us on Instagram:
    Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

    • 57 min
    #103 Does Paying for Financial Education Make Sense?

    #103 Does Paying for Financial Education Make Sense?

    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?' 
    Episode #87 Mitch and Brooke's storyEpisode #88 on decisions Episode #78 Rachael Taylor Episode #21 The WHO not HOW rule 

    Join the Private Podcast Community
    Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.

    Other links 👇

    Money mentorship:
    Click here to start putting what you've been learning into practice.


    Corporate program:
    Click here to find out more about our workplace program


    Follow us on Instagram:
    Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

    • 58 min
    #102 Debt Smart | When to Use Debt (and how much to use)

    #102 Debt Smart | When to Use Debt (and how much to use)

    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 risksThe 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.


    Join the Private Podcast Community
    Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance.

    Other links 👇

    Money mentorship:
    Click here to start putting what you've been learning into practice.


    Corporate program:
    Click here to find out more about our workplace program


    Follow us on Instagram:
    Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

    • 1 hr 9 min

Customer Reviews

4.8 out of 5
202 Ratings

202 Ratings

Mortvet ,

Never too old

After listening to all the available podcasts then working through the Money Mentorship program with Ryan I now have the best grasp of my financial situation that I have had in my entire life of 61 years. The Passive Income Project Podcast and Cashflowco have made a huge difference to how I manage my finances and spending and I have even gained enough knowledge to dabble efficiently and safely in Bitcoin. Well done boys!

Dsal oz ,

Good personal tips, but have drunk the crypto koolaid

Working my way through the back catalog. It started as a great podcast with tips on making yourself better to maximise success. Then it seems the gents drunk the crypto koolaid. It’s rather awkward listening to be honest.

They’ve literally “done their own research” and now are monetary and financial market experts, and can’t wait to talk up the benefits of crypto. Like every other crypto bro who knows it’s a massively speculative play but the only way to keep the thing going up is convincing as many people as possible to buy in. Surprise surprise, every guest is pro crypto. For an infinitely more thorough and academic deep dive into crypto, check out the rational reminder podcast’s 17 part series.

Anyway, its more the monetary and financial systems they discuss that has me cringing the most. Obviously a few years on I have the benefit of seeing how things panned out, but given they’re demonstrably wrong on so many fronts, I’m surprised many of their earlier podcasts remain up.

At one point they conclude that because the people in charge are boomers with heaps of real estate, interest rates won’t go up purely so that market is kept afloat to maintain the wealth of these guys in charge and their mates. It’s laughable.

Their argument is based on individuals’ behaviour being led by the old Charlie Munger quote “show me the incentives and I’ll show you the outcome”. They make this argument a number of times through numerous podcasts and base a large part of their argument on the flaws of the monetary/financial systems on this. It’s gobsmackingly oversimplified to advise people to base their investments on this tenuous argument. But they do.

But as history has shown, interest rates did go up, completely contradicting their predictions that they’ve sold to listeners as a virtual guarantee. At this point, instead of a humble admission of how wrong they were, they double down and make other arguments about how the system is broken and the sky is going to fall in. In my most recent podcast that I listened to, they conclude that everything has changed because of the old average (emphasis on average) 7 year boom to bust cycle has been confined to history. Now its 2-3 years. After a single economic crisis. That was driven not by the business cycle, but a virus. Ignoring of course that once the previous crisis (GFC) is taken into account, the last couple of crises have averaged about the 7 year spacing. Their advice: the world is changing, get into crypto. Haha at least they’re predictable I guess.

They also refer to Ray Dalio fairly often. A guy whose thoughts were always a little wacky, using selective evidence and fancy YouTube videos to make his point. But I’m afraid to say Ray has been outed as a con and an egotist. I’m not denying his success as a fund manager. But being great at that doesn’t give you a crystal ball at the economic future of the world. His fund is now in freefall, his managerial theories debunked (Bridgewater is a toxic place to work), and his name is now basically rubbish.

Quite frankly, its a little embarrassing listening to these guys talking about this stuff. If they’d stuck to what they did know, instead of going down the rabbit hole of crypto loving, fiat currency and centrally controlled monetary system is the enemy path, it would’ve been a great podcast.

It’s a sad indictment on a couple of guys who are probably pretty good at getting people back on track to achieve financial success in life.

Caseyyyyyyyyyyyyyyyyyyyyy ,

I wish I found this sooner!!!

Absolutely amazing. I’m 8 episodes in in 2 days. I wish I found these guys sooner. Aussie guys explaining finance. Finally. Stop what you’re doing right now and start from #1.

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