Not Rich Yet Show

Epiphanik Studios

Earning decent money but still can't get ahead? You're not bad with money - just nobody taught you the right systems. We're Gav and Jas from Muney, and for 20+ years we've helped everyday Aussies build money systems that actually fit their lives. Because the best financial system is the one you'll follow. No gurus. No generic budgets. No get-rich promises. Just clear, practical steps for your situation. Book a free 45-min call: https://deposit.muney.com.au/book1746673493436

  1. 4h ago

    Mortgage, Savings, Debt & Spending: What to Check | Ep #32

    When did you last check whether your money setup still fits your life? After sharing their experiences of rising costs and repayments, Gav and Jase work through four areas to review: your mortgage, savings, debt and spending. A household example, everyday stories and a little back-and-forth bring the choices down to earth. In this episode Asking your bank about your mortgage rate and comparing loan featuresChecking savings accounts and whether your offset is linked correctlyWeighing debt costs alongside the motivation of clearing a balanceTaking a fresh look at spending and choosing one practical next stepChapters0:00 Four areas of your money setup to review0:36 Rates, living costs and the hosts’ experiences13:03 When your old setup stops fitting17:44 One household’s mortgage, savings and car debt19:56 Asking about your mortgage rate and features21:47 Checking savings and your offset link23:07 Debt choices and everyday spending24:55 Choosing a next step and asking for help Which part of your money setup is due for a review? Let us know in the comments. If you’d like help applying this to your own situation, you can find out more or book a chat with the Muney team.Muney: https://muney.com.au/Book a chat: https://muney.com.au/book-a-free-session/

    Mortgage, Savings, Debt & Spending: What to Check | Ep #32

  2. Oct 25

    The 6 Stages of Financial Health: Find Your Next Step | Ep #31

    Earning money but still wondering where it all goes? Gav and Jase talk through how to recognise your current situation and choose a useful next step—whether you’re getting by, rebuilding, saving for a goal or weighing up investing. There’s room for golf, a few hard-earned lessons and a plan that fits real life. In this episode Spotting what is keeping you stuckLooking at consumer debt alongside investmentsMaking room for saving without cutting out everything you enjoyMatching your next money move to your goals and circumstancesChapters0:00 Where should your next money move start?0:33 Why your situation changes the next step9:50 Getting by and rebuilding after a setback15:49 Good income, little left over19:38 Saving for something that matters22:24 Investing, choice and financial freedom24:25 Looking at debt alongside investments29:37 Choosing one step to take next What’s one money step you’d like to make easier? Let us know in the comments. If you’d like help applying this to your own situation, you can find out more or book a chat with the Muney team.Muney: https://muney.com.au/Book a chat: https://muney.com.au/book-a-free-session/

    The 6 Stages of Financial Health: Find Your Next Step | Ep #31

  3. Oct 18

    Can They Travel for a Year and Still Save for a Home? | Ep #30

    Newlyweds Alex and Yasmine both work online and love travelling, but they’re unsure how to make a long trip fit alongside saving, investing and their future home goals. Gav and Jase help them put real numbers around the dream and work out what they want their money to do. Together they explore a possible $100,000 year of travel, giving, property and family goals—and the trade-offs that come with each. Then they map out a Money Master Plan, including a simple envelope system that gives every dollar a job and makes it easier to see what’s available to spend. What We Cover • Why Alex and Yasmine feel like they’re spending everything they earn • How to get on the same page about money and the future • What a year travelling could cost, including a rough $100,000 budget • Balancing travel with giving, investing and future home plans • How a Money Master Plan and envelope budgets can make the next steps clearer Timestamps: 0:00 — A simpler money system 0:31 — Meet Alex and Yasmine 3:00 — How they manage money now 15:00 — Balancing life now and later 23:25 — Budgeting for a year of travel 35:30 — Property and future home goals 45:05 — Building a Money Master Plan 48:00 — How envelope budgeting works Links: Muney — https://muney.com.au/ Free 45-minute financial-health call — https://deposit.muney.com.au/book1746673493436

  4. Oct 11

    “I’m Bad With Money”: How to Break the Cycle | Ep #29

    When you keep telling yourself you’re bad with money, it can become a reason to avoid it altogether. Today, Jas and I challenge that story and explain why managing money is a skill you can learn - not a fixed part of who you are. What We Cover How the “I’m bad with money” belief keeps you stuckWhat Gav and Jas learned from their own money mistakesBuilding a system instead of relying on willpowerStarting small and recognising progress beyond your bank balance Timestamps: 0:00 — The “I’m bad with money” story 5:31 — Jas’s interest-free credit card mistake 8:45 — Gav’s spending habits and school report 12:06 — A skill gap, not a personality trait 13:59 — Breaking the cycle: systems, support and small steps 17:19 — Avoiding quick fixes and recognising progress Links: Muney Free 45-minute financial-health call

  5. Oct 4

    Saving, Investing or Paying Off Debt: What Comes First?

    Ayden has changed the way he handles money. He paid off $6,500 in buy-now-pay-later and other personal debt, started saving and investing, and stopped spending his account down to almost nothing. But with several money goals competing for attention, what should come first? Gav and Jase sit down with Ayden for a practical money review. They look at his savings and investing goals, the subscriptions and bank accounts shaping his weekly spending, and the roughly $48,000 car loan that may be holding back his next steps. The conversation turns a vague feeling of being behind into a clearer order of priorities. What We Cover - How Ayden changed his spending habits and paid off debt - Setting savings, investing and emergency-fund goals - Subscription costs and a clearer bank-account structure - Why Gav and Jase put the car loan higher on the priority list Timestamps 0:00 — The car loan question and Ayden’s money reset 6:19 — Setting goals and finding the savings gap 11:19 — Subscription quick wins and bank-account structure 19:28 — Why the car loan changes the plan Links Muney: https://muney.com.au/ Free 45-minute financial-health call: https://deposit.muney.com.au/ book1746673493436

  6. Aug 9

    Teaching Kids About Money: The 4 Principles Every Parent Should Use | Ep #27

    Gav is joined by his two sons, Daniel and Jackson, for a special episode on teaching kids about money. We break down the four money principles Gav is instilling in his boys, why "live reps" beat lectures, how their allowance and savings system works, what the boys themselves think about money, value, and mistakes they've made along the way.What We Cover:- Why financial habits are generational and the stats behind adult money struggles- The four money principles: live reps, money as a tool, saving/investing, and money isn't scarce- Gav's own upbringing with allowance, tax jars, and the lessons that stuck (and didn't)- Letting kids feel natural consequences instead of shielding them from money mistakes- How the boys' allowance is structured (short-term vs. long-term savings split)- Involving kids in bigger family financial decisions (school, holidays)- Why allowance isn't tied to chores in their householdTimestamps:0:00 – Intro1:30 – Why this matters: the stats on adult financial habits4:40 – What happens if this is ignored generational habits6:00 – Gav's own upbringing with allowance and tax jars9:30 – Letting kids learn through natural consequences16:40 – The boys' allowance structure explained19:00 – What the boys save and spend on23:00 – Involving the kids in financial decisions 26:00 – Family contribution and the boys' allowances29:00 – The favourite things the boys have purchased themselves30:30 – The boys' biggest regrets and lessons learned35:30 – Recap and outroLinks:👉 https://muney.com.au/📞 Book a free 45-min call: https://deposit.muney.com.au/book1746673493436

  7. Aug 2

    What's on your credit report? And why it matters more than your score | Ep #26

    In this episode, Gav and Jas are joined by Crystal from Credit Repair Australia to break down exactly what's listed on a credit report; personal details, inquiries, accounts, repayment history, defaults, and judgments. Then explain why fixing what's wrong on the report matters far more than chasing a number.What We Cover:- The difference between your credit score and your credit report- Why incorrect personal information can get you declined before your score is even considered- How credit accounts and limits affect your borrowing capacity, even at a zero balance- What a credit inquiry is, and why "shopping around" can backfire- Repayment history explained, and how long it stays on your report- Financial hardship listings and how long they last- How to get your credit report reviewed with Credit Repair AustraliaTimestamps:0:00 – Intro1:35 – Why this matters and what happens if it's ignored2:30 – Credit score vs. credit report explained4:15 – Personal information: why it's overlooked and why it matters7:38 – Credit accounts and why limits count even at zero balance9:15 – Credit inquiries and the risk of shopping around12:33 – Repayment history explained14:00 – Payment defaults and the 5-year impact15:45 – Financial hardship information16:45 – Court judgments explained18:00 – Why even big banks get it wrong19:30 – What to check before applying for finance20:45 – Outro / how to get your credit report reviewedLinks: 👉 https://creditrepair.com.au/👉 https://muney.com.au/📞 Book a free 45-min call: https://deposit.muney.com.au/book1746673493436

  8. Jul 27

    Money Dates: The 30-Minute Habit That Stops Couples Fighting About Money | Ep #25

    In this episode, Gav and Jas wrap up the couples miniseries with "money dates": a simple, structured monthly conversation that keeps couples aligned, on the same team, and moving toward their financial goals. What We Cover: - Why money conversations feel hard and the one shift that fixes it - Gav's own story: from defensive arguments to a working system with his wife - Real client case study: paying off $20-30K in credit card debt with a money date structure - What to bring/prepare before a money date - The 5-part money date agenda - The 6 ground rules that stop money dates turning into fights Timestamps: 0:00 Why Couples Only Talk About Money When It’s a Problem 1:45 The Hidden Reason Money Conversations Feel So Hard 4:10 The Simple Shift That Changes Everything 6:30 What a “Money Date” Actually Looks Like 9:15 The 5-Step Money Date Framework (Do This Monthly) 14:40 How to Avoid Arguments & Stay on the Same Team 18:10 Making Money Conversations Fun (Yes, Really) 20:45 The Long-Term Impact Most Couples Miss Links: 👉 https://muney.com.au/ 📞 Book a free 45-min call: https://deposit.muney.com.au/book1746673493436

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Earning decent money but still can't get ahead? You're not bad with money - just nobody taught you the right systems. We're Gav and Jas from Muney, and for 20+ years we've helped everyday Aussies build money systems that actually fit their lives. Because the best financial system is the one you'll follow. No gurus. No generic budgets. No get-rich promises. Just clear, practical steps for your situation. Book a free 45-min call: https://deposit.muney.com.au/book1746673493436

Information

  • Creator
    Epiphanik Studios
  • Years Active
    2026
  • Episodes
    29
  • Rating
    Explicit
  • Copyright
    © Epiphanik Studios
  • Show Website
    Not Rich Yet Show