More Than Money

Ross Marais

More Than Money, hosted by a financial coach Ross Marais. On this podcast we have real conversations about lifestyle, money, and business. Our podcast is dedicated to helping ambitious young professionals and entrepreneurs achieve their financial and personal goals. On this podcast, you'll find expert advice on personal finance and interviews with successful entrepreneurs. We cover a wide range of topics, from saving strategies and investment tips to work-life balance. So, if you're ready to learn more about personal finance and business success, hit that subscribe button.

  1. 04/17/2023

    EP 65 - Your Money Questions Answered #askross

    Your Money Questions Answered Questions: 00:00: Introduction 00:40: How can I start investing in the Australian stock market with a small amount of money? 01:55: What percentage of my income should I be saving each month to reach my financial goals? 03:30: What are the factors that affect my credit score in Australia and how can I improve it? 06:30: What are the tax benefits of contributing to a superannuation fund? 08:15: How can I negotiate a higher salary or benefits package in my industry in Australia? 11:30: What are the best strategies for paying off my HECS DEBT or other debt quickly and efficiently 14:45: How can I build an emergency fund that can cover up to six months of my living expenses in Australia? 17:00: What are the benefits and drawbacks of buying a property versus renting in Australia? 20:15: What are some effective ways to budget and manage my expenses? 22:20: What are some ways to reduce my tax bill and maximise my deductions in Australia? 24:25: How can I save money on my regular expenses such as groceries, utilities, and entertainment in Australia? 28:00 What are the best ways to save for a down payment on a property in Australia? Ask a question | ⁠⁠⁠www.rossmarais.com/askross⁠⁠⁠ Episode Sponsor | This episode is brought to you by ⁠⁠⁠More Time Financial⁠⁠⁠, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education. Book a free initial 30-minute consultation - ⁠⁠⁠moretimefinancial.com.au/get-started/⁠⁠⁠ Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.

  2. 04/09/2023

    EP 64 - Making a Smooth Transition: Navigating a Job Change

    Hello and welcome to More Than Money! In today's episode, we'll be discussing the importance of preparing for a job change. We'll be sharing valuable strategies that will help you land your next dream job. We'll start by talking about the essential steps that you need to take when preparing for a job change, including updating your resume, networking, and identifying potential job opportunities. We'll share with you some useful tips for finding job openings, such as job search engines, online job boards, and professional networks. Next, we'll delve into the different stages of the hiring process, including submitting applications, interviewing, and negotiating job offers. We'll give you some valuable advice on how to ace job interviews, such as researching the company, preparing for common interview questions, and dressing appropriately. Moving on, we'll cover strategies for making a smooth transition to a new job, including notifying your current employer, setting expectations with your new employer, and managing your finances during the transition. We'll also emphasise the importance of negotiating salary and benefits, understanding the value of your skills and experience, and effectively communicating your worth. In addition, we'll provide valuable advice for financial planning during a job change. We'll talk about how to plan for gaps in income between stopping and starting a new job by building an emergency fund or taking on freelance work in the interim. We'll also highlight the importance of researching the average salary for your position and negotiating for a fair wage, as well as understanding the benefits package and retirement plan offered by your new employer. Thank you for tuning in to this episode of More Than Money. We hope you find the information and strategies we share today helpful as you prepare for your next career move. Ask a question | ⁠⁠www.rossmarais.com/askross⁠⁠ Episode Sponsor | This episode is brought to you by ⁠⁠More Time Financial⁠⁠, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education. Book a free initial 30-minute consultation - ⁠⁠moretimefinancial.com.au/get-started/⁠⁠ Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.

  3. 04/02/2023

    EP 63 - Working with a Buyers Agent w/ Oliver Dunstan

    In this episode we discuss everything about working with a buyers agent with our guest, Oliver Dunstan, director and senior buyer's agent at Rose & Jones Queensland. Oliver shares his background and experience in the field. He takes us on his personal journey into the industry moving from a research analyst to buyer’s associate then buyer’s agent in Sydney, NSW before moving to Gold Coast, QLD, and highlights the differences between the Sydney and SEQ market. We delve into Oliver's role in helping clients purchase properties, how he works, and the benefits of working with a buyer's agent. Oliver also shares some time-saving tactics when it comes to finding a property and the advantages of having access to off-market purchases. We also discuss his experience during the Covid-19 pandemic and the expansion of his business from a buyer's agency to property management. Oliver imparts valuable tips and advice for those who want to get into the property market, including first homebuyers and investment property owners. We also discuss common mistakes people make when searching for and buying a home, as well as sharing his property management tips. This episode is perfect for anyone who is looking to purchase a property or considering working with a buyer's agent.  About Oliver  As Director and Senior Buyer’s Agent at Rose & Jones Queensland, Oliver oversees business operations whilst assisting clients with a unique, personalised property acquisition service. With years’ of experience across the Gold Coast, Byron Bay and prime property markets of Sydney, Oliver has intimate knowledge and understanding of all Real Estate transactions. Moving from a Research Analyst to Buyer’s Associate then Buyer’s Agent, he brings a careful, informed approach to the property buying process. Boasting a proven track record in sourcing, analysing and negotiating real estate transactions, he has since secured over $100 million worth of property for his clients – across both the residential and commercial sectors. Oliver combines an intimate local knowledge with an advanced skill set that has been refined in the most competitive and dynamic markets in Australia. Oliver Dunstan  Instagram | @oliver.buyersagent Tiktok | @oliver.buyersagent  Rose and Jones QLD Instagram | @roseandjonesqld Website | queensland.roseandjones.com.au Ask a question | ⁠⁠www.rossmarais.com/askross⁠⁠ Episode Sponsor | This episode is brought to you by ⁠⁠More Time Financial⁠⁠, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education. Book a free initial 30-minute consultation - ⁠⁠moretimefinancial.com.au/get-started/⁠⁠ Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.

  4. 03/19/2023

    EP 62 - The Importance of Financial Education

    In this episode, we explore the importance of financial education in Australia. We discuss the current state of financial education in Australia and the potential consequences of financial illiteracy. We also delve into the benefits of financial education, including improved money management skills and better decision-making in relation to personal finances. Potential solutions to the lack of financial education in Australia and how these solutions could be implemented. Whether you're a student, a young professional, or simply interested in personal finance, this episode provides valuable information and resources for improving your financial literacy. Ask a question | ⁠www.rossmarais.com/askross⁠ Episode Sponsor | This episode is brought to you by ⁠More Time Financial⁠, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education. Book a free initial 30-minute consultation - ⁠moretimefinancial.com.au/get-started/⁠ Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.

  5. 03/12/2023

    EP 61 - Building Fitcover with Nova Jane

    Welcome to the More Than Money podcast where we like to chat with people who are doing something a little bit different and not following the traditional 9-5 life. We cover all kinds of topics related to lifestyle, money, and business. Today, we're excited to have a special guest who has an inspiring story to share. We're talking to Nova Jane, a successful business owner who's been through a lot of major life events and has learned valuable lessons along the way. Nova has a "why not" way of thinking which is awesome, and I always walk away from our conversations feeling inspired and challenged to see things in a different way. Today, we'll be chatting with her about her journey as a business owner and all the things she's learned over the past few years. We cover Nova’s background and learn about her business statistics. We discuss a bit about her experience as a business owner, how long she's been in business, and how many businesses she's started, stopped, or failed. We also chatted about her previous jobs before going into business. We discussed why she started her business and what it was like to start a business. We also talk about the struggles of being a business owner, like dealing with the comparison game of bigger is always better and not being able to switch off. Nova, also shares tips for anyone who's starting a business or an e-commerce business. We also talk about money and Nova’s relationship with money and how her beliefs and behaviours about money have changed as she has grown. If you're interested in learning from someone who's experienced it all as a business owner and wants to share her insights with you, then tune in to this podcast. Don't forget to leave your comments and share your thoughts on what you've learned from our guest. Nova Jane Instagram - @novajanefit_ TikTok - @novajane8 Fitcover Website - fitcover.com Instagram - @fitcoveraustralia GBANGER Website - gbanger.com/ Instagram - @gbangeraustralia TikTok - @gbangeraustralia Ask a question | www.rossmarais.com/askross Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education. Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/ Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.

  6. 03/05/2023

    EP 60 - Your Superannuation Questions Answered #askross

    Your Superannuation Questions Answered Questions 0:00 - Intro 2:15 - What is superannuation and why is it important? 5:10 - How do I open a superannuation account? 7:10 - How do I make contributions to my super? 9:45 - Can I access my super before retirement? 11:31 - How do I choose an investment option for my super? 14:00 - How do I check the balance of my super account? 15:53 - How do I consolidate my multiple super accounts? 20:08 - What happens to my super when I change jobs? 21:48 - Can I withdraw my super when I retire? Ask a question | www.rossmarais.com/askross Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education. Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/ Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.

  7. 02/26/2023

    EP 59 - Growing Your Wealth with Superannuation

    In this episode, we provide a comprehensive guide to superannuation in Australia. We explain what superannuation is and how it works, including the different types of contributions, investment options, and tax benefits. We also discuss the factors to consider when choosing a super fund and how to determine the right investment strategy for your superannuation. Plus, we explore the government incentives available to encourage retirement savings and the impact of superannuation on retirement income. Whether you're just starting to save for retirement or you're looking to make the most of your existing superannuation, this episode has everything you need to know. Chapters 2:20 - Compound interest 6:55 - The purpose of superannuation 9:40 - Withdrawing superannuation during Covid 19 10:45 - Myths about superannuation 18:30 - How superannuation & investments work 23:00 - When you can access superannuation (withdrawing money from superannuation) 26:00 - Using your superannuation in retirement 27:05 - Active income vs passive income 31:25 - Contributing money into superannuation 36:25 - Superannuation is an investment vehicle not an investment 40:20 - Superannuation and insurance Calculations Starting investment - $0.00 Yearly investment - $7,000 (assuming salary of $70,000 investing 10% Super Guarantee is currently 10.50%) Years invested - 40 Annual interest rate - 9% Calculator | https://moneysmart.gov.au/budgeting/compound-interest-calculator Disclaimer A model not a prediction. Results are only estimates, the actual amounts may be higher or lower. We cannot predict things that will affect your decision, such as changing interest rates. This calculator is not intended to be your sole source of information when making a financial decision. Assumptions Initial deposit is made today. Regular deposits are made at the end of year, month, fortnight, week, or day (according to the deposit frequency you set). Interest is credited either monthly or annually, in line with standard industry practice. The delayed start comparison feature will have the same regular deposit frequency. Ask a question | www.rossmarais.com/askross Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education. Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/ Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.

  8. 02/19/2023

    EP 58 - Your Investment Property Questions Answered #askross

    Your Investment Property Questions Answered  Questions   0:00 - Intro 2:00 - What are some good ways to get started in property investing? 6:50 - How can I tell if a property is a good investment? 12:00 - What are some risks to consider when investing in property? 17:15 - Are there any tax benefits to investing in property? 20:15 - What are some tips for successful property investing? 26:35 - How do I find good investment properties? 29:50 - What is a property investment trust (REIT)? 31:60 - Are there any downsides to investing in? Ask a question | www.rossmarais.com/askross Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education. Book a free initial 30-minute consultation - moretimefinancial.com.au/get-started/ Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.

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About

More Than Money, hosted by a financial coach Ross Marais. On this podcast we have real conversations about lifestyle, money, and business. Our podcast is dedicated to helping ambitious young professionals and entrepreneurs achieve their financial and personal goals. On this podcast, you'll find expert advice on personal finance and interviews with successful entrepreneurs. We cover a wide range of topics, from saving strategies and investment tips to work-life balance. So, if you're ready to learn more about personal finance and business success, hit that subscribe button.

Information

  • Creator
    Ross Marais
  • Years Active
    2017 - 2023
  • Episodes
    66
  • Rating
    Clean
  • Copyright
    © Ross Marais
  • Show Website
    More Than Money