Flourish Financial Education

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There's a gap in the market between people finding their own financial information or employing a qualified financial planner for a personalised (and costly) financial plan. Flourish Financial Education provides information and guidance to those who want to get started but are either too overwhelmed to research things themselves; or wary of engaging a financial planner until they feel more informed. This podcast aims to add another education resource to help them navigate their way.

  1. Jun 4

    Episode 39 - Is an Extra Super Contribution before 30th June worth it?

    As the financial year comes to an end, many Australians start thinking about superannuation contributions and tax planning opportunities. In this episode, we explain concessional contribution limits, catch-up concessional contribution rules, how to find youravailable contribution caps, and provide simple examples showing how additional super contributions may affect people on different tax rates. General financial education only. This episodedoes not constitute financial or taxation advice. Professional advice should be obtained before implementing any strategy.

  2. May 28

    Episode 37 - How Much Money do YOU Need to Retire Comfortably?

    In this episode, we discuss the ASFA retirement living standards, the current comfortable and modest retirementestimates, and why retirement spending can vary dramatically between individuals and couples. A practical discussion on retirement lifestyle expectations, housing, spending patterns, and why there’s really no such thing as the “average” retiree. General financial education only — not personal financial advice.

  3. May 21

    Episode 36 - Mindful Spending and Cash Flow

    Cash flow pressure often comes from more than just large expenses. In this episode, we discuss mindful spending, family budgeting habits, and practical ways households can improve cash flow without feeling overly restricted. A practical discussion on awareness, spending habits, lifestyle creep, and the small financial decisions that can make a meaningful difference over time. General financial education only — not personal financial advice.

  4. May 14

    Episode 35 - The Hidden Cost of Spending $1000

    What does spending $1,000 really cost yourfuture self? In this episode, we explore the power of compounding and how relatively small amounts invested early can potentiallygrow significantly over time. Using hypothetical examples based on a 10% annual investment return assumption, we compare the future value of $1,000 invested at ages 20, 30, 40 and 50 — including inflation-adjusted outcomes. A practical discussion on opportunity cost, time, and long-term thinking. General financial education only — not personal financial advice.

  5. May 7

    Episode 34 - This Time It's Different

    “This time it’s different” is a phrase often heard duringmarket uncertainty. In this episode, we explore real historical events—includingthe Great Depression, World War II, the Dot-com crash, the Global Financial Crisis, and COVID-19—and how markets reacted, how long recoveries took, and what that means for investors. A practical discussion on perspective, behaviour, andstaying consistent through uncertainty. General financial education only — not personal financialadvice.

  6. Apr 30

    Episode 33 - Debt Recycling

    Debt recycling is a strategy often discussed in wealth-building—but what does it actually mean? In this episode, we break down how debt recycling works, why people use it, and the risks involved, including borrowing to invest and managing cash flow. A clear, practical explanation designed to help you understand the concept before considering whether it’s relevant to you. General financial education only — not personal financial advice.

  7. Apr 23

    Episode 32 - Before You Start Investing

    Before you start investing, it’s worth getting the basics right. In this episode, we cover the key financial foundations to consider—cash flow, debt, emergency savings, risk, and understanding your goals. A simple and practical guide for anyone looking to begin their investing journey. General financial education only — not personal financial advice.

  8. Apr 16

    Episode 31 - Superannuation Contributions

    Superannuation contributions can be confusing — but they don’t have to be. In this episode of Flourish Financial Education, we break down concessional and non-concessional contributions,current contribution caps, catch-up concessional rules, and how these can be used to build long-term retirement savings. A practical, easy-to-understand guide to one of the most important parts of the Australian financial system. General financial education only — not personal financial advice

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There's a gap in the market between people finding their own financial information or employing a qualified financial planner for a personalised (and costly) financial plan. Flourish Financial Education provides information and guidance to those who want to get started but are either too overwhelmed to research things themselves; or wary of engaging a financial planner until they feel more informed. This podcast aims to add another education resource to help them navigate their way.

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