3D AGO

Why we make irrational money decisions (and how to stop) with Evan Lucas

We all like to think we're rational when it comes to our finances. But the truth is, most of our money decisions are driven by emotion, family history, and psychology. So does that mean we're trapped by our brains? Forced to make illogical decisions from now until eternity? Not necessarily. In this episode of Money & a Good Life, Steph and Ryan sit down with Evan Lucas, behavioural finance specialist, media commentator, author of Mind Over Money, and host of the podcast Exchanges with Evan Lucas to explore how our emotions and cognitive biases affect our money decisions and why we sometimes act against our own best interests. If you've ever wondered why you keep making financial decisions you know aren't ideal, or how to build better financial habits that actually stick, this conversation reveals the psychology behind the patterns and how to change them. What we talk about: What behavioural finance is in simple terms and why it mattersCommon irrational financial decisions that sensible people makeWhy we continue making financial decisions we know aren't idealWhat's happening psychologically in those momentsWhat delayed return decisions are and why they're importantHow much of our financial behaviour is shaped by family history, heritage, and economic environmentBehavioural patterns across generations, how baby boomers handle finances differently to Gen XSeparating short-term market noise from long-term financial strategyFor people in their 40s or 50s juggling mortgages, ageing parents, and teenage kids—one financial behaviour Evan wishes more people would adoptWhat Evan has learned about how people really want to engage with money through his career communicating complex financial ideasIf you've ever self-sabotaged with money or struggled to stick with good financial habits, this episode will help you understand why it happens and what you can do about it. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Evan Lucas, behavioural finance specialist, media commentator, author of Mind Over Money, and host of the podcast Exchanges with Evan Lucas Follow Evan on Instagram Connect with Evan on LinkedIn Visit Evan’s website Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan on LinkedIn Stephanie Coombes, podcast expert and media strategist Connect with Steph on LinkedIn Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

46 min

MAR 23

Cashflow hacks #2 with Matthew Rea

Today we're revisiting a topic that's greatly improved lives, including Steph's. It's probably the easiest change you can make to your finances with the greatest impact: cashflow. In this episode of Money & a Good Life, Steph and Ryan bring back Matt Rea to go through the fundamentals of cashflow and dig a little deeper into how it actually works in practice. If you've ever felt broke despite earning a good salary, struggled with lifestyle creep, or wondered why money feels so hard to manage, this conversation will give you the practical framework to change that. What we talk about: What cashflow actually is (and what people usually get wrong about it)Quick 101 on how to set up a cashflow systemUnderstanding what it costs you to liveSeparating fixed costs from discretionary expensesThe power of automating your finances"Pay yourself first" and what to do with surplus cashflowSetting up your own pool of discretionary moneyCan you be financially healthy without natural discipline?What happens when clients can't stick with a cashflow systemThe difference between earning more money and managing money betterWhy someone on a good salary can still feel constantly brokeWhy lifestyle creep feels invisible while it's happeningIf you want practical, actionable steps to take control of your money without feeling restricted, this episode breaks it down clearly. Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Matthew Rea, Senior Adviser/Partner, Tribeca Financial Connect with Matt here Learn more/book a meeting here Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan here Stephanie Coombes, podcast expert and media strategist Connect with Steph here Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

32 min

MAR 9

What to expect in your first 100 days with a financial adviser with Rachael Holder

For a lot of people, working with a financial adviser feels intimidating. Do I need advice? Am I "bad with money"? What actually happens? In this episode of Money & a Good Life, Steph and Ryan sit down with Rachael Holder Tribeca Adviser with psychology training and behavioural finance expertise to demystify the process. Rachael walks through the first three months of working with an adviser, explaining what happens, why it matters, and how it transforms your finances and wellbeing. If you've ever wondered what good financial advice should feel like, this conversation provides the roadmap, from building foundations to creating your plan to establishing the ongoing partnership where real transformation happens. What we talk about: When financial advice makes sense for your situationWhy people who think they're "terrible with money" usually aren'tWhy advisers start with your story before numbersExploring values, family situation, money mindset, hopes and fearsHow women carry guilt or feel behind and how to reframe itProviding clarity and reducing the emotional load around moneyUncovering short, medium, and long-term goalsThe "what does a good life look like for you?" conversationWhat information and documents you'll need to provideTurning insights into actionable strategiesWhy technical skill and trust both matterWhat it means for advisers to act in your best interestsHow regulation protects clientsUsing cashflow modelling to visualise your futureWhat clients discover when advisers "look under the bonnet"Tailoring strategies to your capacity and comfort with riskWhat a Statement of Advice (SoA) is and why it mattersHow the relationship evolves after the plan is in placeWhy real transformation happens after the first few monthsManaging decisions as they arise, school fees, redundancy, health eventsThe role of accountability and emotional supportNavigating difficult topics like wills and estate planningWhy years 1-3 build foundations and years 4+ deliver compounding benefitsThis episode removes the nervousness around the unknowns of engaging with an adviser and shows what good advice should feel like, both the qualitative side and the quantitative side. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Rachael Holder, Connect with Rachael on LinkedIn Learn more about Rachael here Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan on LinkedIn Stephanie Coombes, podcast expert and media strategist Connect with Steph on LinkedIn Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

53 min

FEB 23

Sea changes, marriage and riding the waves of midlife with Kate Halfpenny

Midlife is supposed to be the time when things settle down. The kids grow up, careers feel stable, and life gets a little simpler. Right? Well, that's not always how it plays out. Careers shift, marriages strain, parents age, health changes, and suddenly you're rewriting the script entirely. In this episode of Money & a Good Life, Steph and Ryan sit down with Kate Halfpenny — columnist for The Age and Sydney Morning Herald, founder of Bad Mother Media, and author of Boogie Wonderland, to talk about what happens when midlife doesn't go to plan. Kate's memoir shares her sea change after COVID, her husband's struggle with alcoholism, navigating empty nesting and perimenopause, and starting a business in her mid-fifties after 40 years as an employee. This conversation mirrors what many of our listeners are experiencing — the messy, beautiful, challenging reality of midlife transformation. What we talk about: What drew Kate to journalism and her decades-long careerThe financial reality of being a writer that people misunderstandWhat inspired her to write Boogie WonderlandThe sea change decision post-COVID and the gap between expectation and realityRealities people should consider before making a sea changeHow midlife forces you to work out what you really want and go get itStarting Bad Mother Media in her mid-fifties after being an employee for 40 yearsWhy she chose the name "Bad Mother Media"What she's learned from running her own businessCreating a life on her own schedule with no boss, no 9-5Writing a book late in life while managing clients and a businessWhat she hopes people take away from her storyIf you're navigating midlife transitions, career changes, relationship challenges, or simply wondering how to thrive when life doesn't follow the script, this conversation offers honest insight and hope. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Kate Halfpenny, Columnist & Author Follow Kate on Instagram Connect with Kate on LinkedIn Visit Kate’s website Buy Kate’s book – Boogie Wonderland Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan on LinkedIn Stephanie Coombes, podcast expert and media strategist Connect with Steph on LinkedIn Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

43 min

FEB 9

Overcoming financial shame and starting fresh with Bec Allan

Most people think that working in finance means having your money life sorted. But today's guest proves that even the experts aren't immune to burnout, financial stress, and major setbacks. For more than 20 years, Bec Allan built a career inside Australia's major banks. She climbed the ranks, built a reputation, and did everything "right." But behind the scenes, she was exhausted, stretched thin, and carrying the weight of being a single mum trying to hold everything together — including $80,000 of personal debt. In this episode of Money & a Good Life, Steph and Ryan sit down with Bec to talk about what happened when her corporate career ended abruptly, how she rebuilt her entire relationship with money, and why she now helps other women do the same. This is a conversation about financial burnout, debt recovery, empowerment, and what it really takes to build a calm, confident relationship with money. What we talk about: Bec's 20-year banking career and what led her to leave the corporate worldFinding herself $80,000 in debt as a single mumWorking two to three jobs for over two years to dig out of debtThe turning point moment on November 1st, 2018 with her daughterTransitioning from corporate burnout to building a money coaching businessWhy vulnerability is central to her work with clientsHelping clients shift from fear and scarcity to calm, grounded decision-makingCommon money behaviours and emotional patterns that hold women backClient transformation stories, from toxic debt cycles to purchasing homesFirst steps for people who feel overwhelmed, ashamed, or scared to look at their financesTaking a holistic approach that blends mindset, strategy, and emotionCreating values-aligned relationships with moneyIf you've ever felt trapped in a cycle of earning, spending, and striving without true financial peace, this conversation will show you there's another way. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Bec Allan, Mortgage Broker and Money Coach Connect with Bec on LinkedIn Follow Bec on Instagram Visit Chamberlain & Co’s website Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan on LinkedIn Stephanie Coombes, podcast expert and media strategist Connect with Steph on LinkedIn Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

36 min

JAN 26

The big picture: global markets decoded with Anthony Kritikides

Banking and global markets can sound distant, sometimes even irrelevant. But the reality is, bonds, interest rates and currencies shape almost everything in your day-to-day life. Your mortgage, your super, your cost of living, even airfares. In this episode of Money and a Good Life, we’re joined by Anthony Kritikides, Managing Director and Global Head of Institutional Sales at CBA Global Markets. Anthony sits at the centre of global financial markets, helping some of the world’s largest institutions navigate volatility, manage risk, and plan for what’s next. Together, we zoom out to the big picture, what’s happening in the economy right now, why markets feel so volatile, and what it all means for everyday Australians. Anthony breaks down complex topics in plain English, explaining how bonds work, why fixed income is back in focus, where interest rates may be heading, and what’s driving movements in the Australian dollar. If you’ve ever wondered “Why should I care about this?” this conversation connects the dots. In this episode, we cover: What bonds actually are and how governments and companies use themWhy fixed income has made a comebackWhat drives interest rate movements and how they affect households and businessesThe big forces moving the Australian dollarWhy super funds are investing more offshore and why currency mattersWhat Anthony thinks people should be paying more attention to right nowHere's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Anthony Kritikides, Managing Director and Global Head of Institutional Sales at CBA Global Markets Connect with Anthony on LinkedIn Our hosts: Ryan Watson, CEO, Tribeca Financial Follow Ryan: https://www.linkedin.com/in/r-watson/ Stephanie Coombes, podcast expert and media strategist Follow Steph: https://www.linkedin.com/in/stephanie-coombes-62903825/ Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

34 min

JAN 12

Money from a Millennial’s POV with Jake Boulter

Sometimes Millennials get a bad wrap for how they manage their money. The narrative has been that they don't save and they'd rather spend on travel or avocado toast than build wealth. But is that really true? In this episode of Money & a Good Life, Steph and Ryan sit down with Jake Boulter, Senior Adviser at Tribeca and a Millennial who grew up in a family spanning four generations, from Boomers to Gen Z. Jake shares what Millennials really think about money, how their approach differs from other generations, and why housing instability has fundamentally shaped how his generation approaches wealth building. If you've ever struggled to see eye-to-eye with your adult children about finances, or if you're curious about how younger Australians are managing money in a changing world, this conversation offers intergenerational insights that might just bridge the gap. What we talk about: Growing up around four generations and noticing different money attitudesHow housing instability has defined Millennial attitudes toward wealthThe property market gap between generations and its lasting impactThe "Bank of Mum and Dad" and intergenerational wealth transferWhy Millennials are more values-driven with their money and investingWhether ethical investing is a passing trend or lasting shiftGetting financial information from social media, finfluencers, and TikTokThe stereotype about Millennials preferring crypto and ETFs over propertyHow generational differences shape advice conversationsIf you're navigating generational money differences, whether as a parent, advisor, or simply someone curious about how attitudes are shifting this conversation offers real insight without the stereotypes. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Jake Boulter, Senior Advisor at Tribeca Financial Connect with Jake on LinkedIn here: Jake Boulter | LinkedIn Our hosts: Ryan Watson, CEO, Tribeca Financial Follow Ryan: https://www.linkedin.com/in/r-watson/ Stephanie Coombes, podcast expert and media strategist Follow Steph: https://www.linkedin.com/in/stephanie-coombes-62903825/ Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

35 min

12/08/2025

Financial literacy for kids with Vivianne Nikou

How do we make sure young people are leaving school ready to face the real world, not just academically, but financially as well? Because right now, the stats aren't great. Nearly half of all Australian adults are considered financially illiterate. But when it comes to young people? Things look even more concerning. Only 28% of teenage boys and just 15% of teenage girls demonstrate essential financial literacy skills. In this episode of Money & a Good Life, Steph and Ryan sit down with Dr Vivianne Nikou, Principal of Alphington Grammar School and passionate advocate for education that builds well-rounded, resilient young people. Viv shares how schools and parents can work together to create financially confident adults, what financial education looks like at different ages, and the practical skills every 18-year-old should have before they leave school. What we talk about: The concerning statistics on youth financial literacy in AustraliaWhy teenage girls lag behind boys in financial knowledgeHow digital money is changing young people's understanding of financesAt what age children should start learning about moneyMaking financial concepts relevant and engaging for different age groupsThe biggest challenges schools face delivering financial educationMoney conversations parents should be having with their kidsChanges needed in Australian financial educationIf you're a parent, educator, or simply care about the next generation's financial wellbeing, this conversation offers practical guidance and real solutions. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Dr Vivianne Nikou, Principal of Alphington Grammar School - School website Connect with Alphington Grammar on LinkedIn Our hosts: Ryan Watson, CEO, Tribeca Financial Follow Ryan: https://www.linkedin.com/in/r-watson/ Stephanie Coombes, podcast expert and media strategist Follow Steph: https://www.linkedin.com/in/stephanie-coombes-62903825/ Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

43 min

Money & a Good Life

Why we make irrational money decisions (and how to stop) with Evan Lucas

Cashflow hacks #2 with Matthew Rea

What to expect in your first 100 days with a financial adviser with Rachael Holder

Sea changes, marriage and riding the waves of midlife with Kate Halfpenny

Overcoming financial shame and starting fresh with Bec Allan

The big picture: global markets decoded with Anthony Kritikides

Money from a Millennial’s POV with Jake Boulter

Financial literacy for kids with Vivianne Nikou

About

Information

You Might Also Like

Money & a Good Life

Episodes

Why we make irrational money decisions (and how to stop) with Evan Lucas

Cashflow hacks #2 with Matthew Rea

What to expect in your first 100 days with a financial adviser with Rachael Holder

Sea changes, marriage and riding the waves of midlife with Kate Halfpenny

Overcoming financial shame and starting fresh with Bec Allan

The big picture: global markets decoded with Anthony Kritikides

Money from a Millennial’s POV with Jake Boulter

Financial literacy for kids with Vivianne Nikou

About

Information

You Might Also Like