Here Comes The Money

SmartMoney Wealth Management
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We all want to be smarter with our money, but with all the noise and abundance of mixed information out there most people often become overwhelmed with where to start. As a result, most people choose to do… nothing! In this podcast, Peter and Hovig, share practical, no-BS tips and strategies to help you make smart decisions about your personal finance and investing in Australia. Each week we will explore current topics, answer our listeners questions, and guide you through how to confidently make your money go further, use your tax dollars to help you build your wealth, pay off your mortgage sooner and achieve financial freedom sooner.

  1. 1d ago

    #17 - Interest Rates: Don’t Let Them Control Your Financial Future

    Everyone’s talking about interest rates—but should they really be driving your financial decisions? In Episode 17 of Here Comes The Money, Peter and Harvey break down what the current interest rate environment means for Australians, why consumer confidence matters just as much as the cash rate, and why waiting for the “perfect time” could cost you more than acting today. In this episode, we discuss: Where interest rates could be headingWhy headlines don’t always tell the full storyThe impact of rates on property prices and borrowing capacityHow to avoid paying the bank’s “loyalty tax”Why refinancing is about more than just chasing the lowest rateHow to build a financial strategy that works regardless of market conditionsIf you’re wondering whether to refinance, invest, or simply want to understand what’s really happening in today’s economy, this episode is for you. 🎧 Listen now and don’t forget to follow the podcast for more practical conversations about building long-term wealth. General Advice Warning The information discussed in this podcast is general information only and does not take into account your personal objectives, financial situation or needs. Before acting on anything discussed, you should consider whether it is appropriate for your circumstances and seek professional financial advice. Investing and borrowing involve risks, and past performance is not a reliable indicator of future performance.

    15 min

  2. Jun 15

    #16 - Negative Gearing Explained: What the Budget Changes REALLY Mean for Property Investors

    In Episode 16 of Here Comes The Money, Peter Kaleski and Daniel break down the latest negative gearing changes, what they actually mean for investors, and why the media headlines may not tell the full story. They unpack: What negative gearing actually isHow the proposed changes may impact property prices and rental supplyWhy supply and demand still drives the marketThe potential effects on first home buyers and investorsProperty cycles, interest rates, and market uncertaintyWhy long-term strategy matters more than short-term noiseIf you’ve been confused by the budget announcements, property market commentary, or constant media fear campaigns — this episode helps simplify the conversation and explain what may really happen moving forward. General Advice Warning:All strategies and information discussed in this podcast are general advice only and do not take into consideration your personal circumstances, objectives, financial situation, or needs. Before acting on any information, you should seek personal financial and taxation advice from a qualified professional. Contact SmartMoney Wealth Management:🌐 smartmoneygroup.com.au📧 info@smartmoneygroup.com.au #PropertyInvestment #NegativeGearing #AustralianProperty #FinancePodcast #SmartMoney #PropertyMarket #WealthCreation #InterestRates #InvestingAustralia

    12 min

  3. May 29

    #15 - Stop Guessing, Start Measuring: What Most Australians Never Find Out

    Most Australians are flying blind with their finances — paying too much tax, stuck in a 30-year mortgage, and heading toward retirement with a gap they don't even know exists. In this episode, Peter and Hobby pull back the curtain on the exact tools SmartMoney uses with every client to turn confusion into clarity — and inaction into results. You'll discover: The one repayment switch that saves 5 years and $133,000 in interest — without paying a cent moreHow an extra $100 a week could cut nearly 7 years off your mortgageWhy throwing money at your home loan might actually be slowing you downThe debt recycling strategy that took one client's 30-year mortgage down to 12The retirement shortfall tool that finally connects the dots — and makes people actPlus, a real client win: Cheryl's investment portfolio grew by $820,000 in a single year — built safely, step by step, over six years. Want the tools sent straight to your inbox? Reach out to the SmartMoney team and we'll send them through. General information only. Not personal financial advice. Please seek advice tailored to your situation.

    18 min
  4. #14 - Self-Managed Super Funds Explained: Risks, Mistakes & What Nobody Tells You

    May 18

    #14 - Self-Managed Super Funds Explained: Risks, Mistakes & What Nobody Tells You

    Is setting up a Self-Managed Super Fund really the smart move… or can trying to save money upfront end up costing you much more in the long run? In this episode of Here Comes The Money, Hovig and Peter unpack one of the biggest traps they continue to see: Australians trying to go down the DIY path with Self-Managed Super Funds and financial planning. While SMSFs can be an incredibly powerful strategy when structured correctly, there are a lot of moving parts behind the scenes that people often don’t see. From lending structures and bare trusts to contribution caps, insurance pitfalls, liquidity requirements and compliance obligations, one small mistake can create major consequences down the track. Throughout the episode, Hovig and Peter explain why simply setting up an SMSF isn’t the goal — setting it up properly is. Topics discussed include: • Why cheap or “$0 setup” SMSF offers aren’t always what they seem • The risks of getting structures wrong • Common mistakes people make trying to DIY their finances • Insurance issues many Australians accidentally overlook • Why balance size and income matter more than people think • Real client examples and lessons learned All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Past Performance is not an indicator of future performance. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846.Copyright © SmartMoney Wealth Management. All Rights Reserved.

    16 min
  5. #13 - Why the Government Wants Your Capital Gains (And Why It’ll Fail)

    Feb 26

    #13 - Why the Government Wants Your Capital Gains (And Why It’ll Fail)

    In this episode of Here comes the Money, Peter and Hovig dive into the hot-button topic of Capital Gains Tax (CGT)and why it’s currently dominating political headlines. With a $56 billion deficit to plug, the guys break down whether the government is serious about changing the rules or just looking for a distraction from rising interest rates. All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Past Performance is not an indicator of future performance. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846.Copyright © SmartMoney Wealth Management. All Rights Reserved.

    9 min
  6. #12 - The Real Cost of Your Car Repayment

    Feb 6

    #12 - The Real Cost of Your Car Repayment

    The Real Cost of Your Car Repayment Why “normal” car loans delay wealth more than people realise In Episode 12 of Here Comes the Money, Peter and Hovig unpack one of the most common — and least questioned — financial decisions Australians make: car repayments. With car loans and vehicle leases now considered “normal” household expenses, this episode breaks down what those repayments are really costing you over time — and why they often prevent people from ever creating surplus, investing consistently, or getting ahead financially. In this episode, they cover: The real long-term cost of car loans and vehicle leasesWhy people underestimate what car repayments cost them over timeHow “normal” lifestyle decisions quietly delay wealth creationWhy spending first and trying to invest later almost never worksThe behavioural trap of upgrading lifestyle before building assetsA simple money rule Hovig teaches his kidsWhy investing first removes reliance on willpowerHow letting investments fund lifestyle changes long-term outcomesThey also share real-world examples and conversations showing how car repayments don’t just impact cashflow — they shape behaviour, limit opportunity, and keep people stuck in “normal” financial patterns. This episode is essential listening for anyone who: Has a car loan or vehicle leaseFeels like they earn good money but have little left overWants to invest but struggles to create surplusHas never questioned the true cost of lifestyle debtWants practical, real-world financial insight — not theory📩 Have a question you want answered on the show? Email info@smartmoneygroup.com.au All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Past Performance is not an indicator of future performance. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846. Copyright © SmartMoney Wealth Management. All Rights Reserved.

    14 min
  7. #11 - The Power of Leverage: How Borrowing Can Multiply Wealth (When Done Right)

    Feb 2

    #11 - The Power of Leverage: How Borrowing Can Multiply Wealth (When Done Right)

    In Episode 11 of Here Comes the Money, Peter and Hovig dive deep into financial leverage and explain why borrowing, when used correctly, can be one of the most powerful tools for wealth creation. Using clear, simple examples, they compare: • Investing $100,000 without leverage • Investing the same $100,000 with borrowed funds • The compounding impact over 10 and 20 years • Why leverage can turn modest growth into life-changing outcomes They also cover: • The psychological fear of debt and why it holds people back • Property vs shares and volatility differences • How income and tax benefits can offset borrowing costs • Why leverage is about discipline — not speculation • Real client wins achieved through long-term strategy All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Past Performance is not an indicator of future performance. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846. Copyright © SmartMoney Wealth Management. All Rights Reserved.

    16 min
  8. #10 - This Is Why You’re Always Broke (Even on a Good Income)

    Jan 7

    #10 - This Is Why You’re Always Broke (Even on a Good Income)

    Cashflow Management Explained: Why Budgeting Fails (And What Actually Works) In Episode 10 of Here Comes the Money, Peter and Hovig tackle one of the most important — and most ignored — foundations of financial success: Cashflow management. With rising mortgage repayments, rent stress, and cost-of-living pressure across Australia, this episode breaks down what you can control — and why failing to manage cashflow keeps people stuck, no matter how much they earn. In this episode, they cover: * Why cashflow is the foundation of every financial strategy * The difference between fixed expenses and variable expenses * How lifestyle creep quietly destroys surplus cash * Why budgeting fails when money has no direction * A simple mental framework to understand where your money goes * Why “if you can’t measure it, you can’t manage it” is always true * How automatic transfers and account separation create discipline * Why removing access to money is often more effective than willpower * The role cashflow plays in reducing debt, building buffers, and investing They also share real client examples showing how getting control of cashflow doesn’t just improve finances — it reduces stress, strengthens relationships, and creates real optionality. This episode is essential listening for anyone who: * Feels like money disappears each pay cycle * Wants to build savings without feeling restricted * Is trying to reduce debt or invest but can’t create surplus * Wants practical, real-world financial control — not theory 📩 Have a question you want answered on the show?Email info@smartmoneygroup.com.au All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Past Performance is not an indicator of future performance. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846. Copyright © SmartMoney Wealth Management. All Rights Reserved.

    20 min
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About

We all want to be smarter with our money, but with all the noise and abundance of mixed information out there most people often become overwhelmed with where to start. As a result, most people choose to do… nothing! In this podcast, Peter and Hovig, share practical, no-BS tips and strategies to help you make smart decisions about your personal finance and investing in Australia. Each week we will explore current topics, answer our listeners questions, and guide you through how to confidently make your money go further, use your tax dollars to help you build your wealth, pay off your mortgage sooner and achieve financial freedom sooner.

Information

  • Creator
    SmartMoney Wealth Management
  • Years Active
    2022 - 2026
  • Episodes
    17
  • Rating
    Clean
  • Copyright
    © SmartMoney Wealth Management
  • Show Website
    Here Comes The Money

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