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53 minutes | Jun 26, 2022
Sharesight portfolio tracking
An Interview with Prashan Mohan, the Chief Marketing Officer of Sharesight, to discuss what is Sharesight and how investors on the path to Financial Independence can use the Sharesight program to make their portfolio tracking, administration, and tax accounting easier.
100 minutes | May 29, 2022
Insurance with Katherine
On board the podcast today is Katherine Hayes, to talk all about insurances (how to cover your butt!). This is something not often talked about enough in the FI/RE space, so I was really glad to have an expert on board to break down the different types of insurances and what to look for. Katherine is a multi-award-winning financial advisor based in Canberra who has over 20 years industry experience, and is also the co-host of the Money Madams Podcast alongside Amber Parr. She is a business owner, mum of 3 energetic boys and before she got into financial advice she was actually a croupier working onboard sailing ships in the Caribbean! So it is fair to say, Katherine knows a bit about money (especially that the house ALWAYS wins!). I would describe Katherine as genuine, energetic, knowledgeable and passionate. Whilst we chatted for hours, we've tried to keep the episode down to a manageable chunk but it is still nearly an 1 hour 40 minutes so. I was super glad to connect with Katherine, and will definitely be asking her back onto the show to share some more of her expertise.
50 minutes | Mar 28, 2022
This is your Captain Speaking #3 - Early Retirement Update
Today I am sharing an update about my FIRE Journey - specifically all about my decision to stop work and leave flying, leave Sydney and move across the country back to my hometown of Adelaide, South Australia. I chat about what I have been up to, latest decisions in the portfolio, my family update and finally finish with a reader question
50 minutes | Mar 18, 2022
Digital Marketing with Richard
On board today is Richard, a Sydney based digital marketer to talk all about digital marketing and online business. Richard actually has had a similar background to me, starting off his career in engineering and then chasing financial independence through leveraging his time and creating a business in his dream job. Richard grew up in Canberra and currently lives in Sydney with his Wife and daughters. Whilst web design and digital marketing is his specialty, he has actually been building websites since he was 15 years old (and back then it was a lot tougher and required a lot more coding!). After a break, he ended up getting back into websites as a side hustle as taught by Matt and Liz Raad at the eBusiness Institute after he and his wife attended one of their seminars. They ended up absolutely killing it - managing to create passive income from several personal websites as well as building some high-performing websites for local business clients. Based on their success, Richard continued to build client sites and actually was able to leave his full-time Engineering job back in 2019 and he and his Wife co-founded Paramark, their digital marketing agency which specialize in helping industrial, tech and finance businesses grow through engaging web design, search engine optimization and online advertising. Fast forward three years to today, he runs this business full time with a team of seven, and is continually expanding. Richard runs dozens of websites both clients and personal portfolio sites, enabling his family to reach financial freedom and regain control over their lives. He says he feels a lot better as he finally has time to spend raising his young family, with the ultimate 'work optional from home flexibility' that comes with running an online business.
48 minutes | Feb 18, 2022
Chris from Stockspot
Onboard today is Chris Brycki, the CEO and founder of Stockspot, a Sydney-based online investment company. Chris is an experienced fund manager, holding a Bachelor of commerce and some impressive credentials - Chris was the national winner of the ASX share trading game three years in a row, and went on to work successfully as a portfolio manager at UBS investments. After years working as a fund manager and openly discussing finance with his close friends and family, Chris saw the need for an investment tool that was fairly priced and focused on the client, and not just on extracting the most fees out of investors! He also decided he wanted out of the corporate rat race, and somehow managed to convince his partner to sell their property to found the dream of their very own investment company. Fast forward 8 years, Chris has been an absolute success story building one of the most popular automatic investment tools in Australia and is now managing over $450 Million of client funds completely hands-free for them. I actually really like the passive approach Stockspot use and after meeting Chris and the team I decided to voted with my dollars, and now have tens of thousands invested with them. Today Chris and I are going to unpack this bit more and talk about what Stockspot is, how it works, the role asset allocation plays and the impact of CHESS sponsorship on the structure of your investments. I'll also try to get as much valuable information out of Chris as I can about his journey to Financial Independence and his experience working as a fund manager.
43 minutes | Jan 28, 2022
Online Asset management with Pat from Six Park
On board today is Pat Garrett, co founder and CEO of Six Park online asset management. Pat is a financial advisor and member of the FPA, as well as graduate of the Australian Institute of Company Directors. He has worked as a Board member, CEO, CFO, senior level corporate advisor and a private equity investor. Pat has over 30 years experience in the financial industry - having worked for JP morgan in New York and San Fransisco before moving to Melbourne where he worked as managing director for private investment firm Georgica Associates. In 2014 he co founded Six Park with Brian Watson (AO) who himself also worked at JP Morgan (as the Chairman of JP Morgan Australia). Pat is a serious investor, but outside of finance he loves Surfing, Barbecuing and spending time at home with the family and his dog Charlie. I've been in touch with Pat for some time now, and he has always had time to chat with me and answer any questions or concerns I have had - not just about my Six Park investment balance and whether I am in the right fund, but also about investing, mindset and life in general. He's even taught me a few new recipes he learned in lockdown!
43 minutes | Jan 12, 2022
Jade the Student Investor
Onboard today is Jade Johnson, a student who is on track to graduate University debt free. Jade shares her money journey and experience investing as a student, and just how she is graduating debt free through a combination of part time work, scholarships, side hustles and her money coaching business. Jade Johnson started her blog Finance for FIRE early 2020 to document her own financial journey. After paying off over $17,000 of personal debt and subsequently growing her net worth to $50k by the incredibly young age of 22, she realized that she had strategies that could help everyone achieve financial freedom. Jades business finance for fire focuses on teaching budgeting, paying off debt, raising credit, and investing so others can create generational wealth.
44 minutes | Dec 15, 2021
Using Small Business to reach FI with Josh from You Knead Sourdough
Josh is a young father on the path to Financial Independence who works in the engineering construction industry. Recently, he sold all of his crypto investments and used the money to start his own small business called 'You Knead Sourdough', which provides customers with complete sourdough kits to enable them to make awesome home made sourdough for a fraction of the price that it costs in store. He has seen amazing success so far with high demand for his kits, and is almost at the point where he is able to leave his full time construction job as the business income nearly covers his families cost of living.
85 minutes | Nov 12, 2021
Playing with FIRE with Scott Rieckens
On board the podcast today is Scott Rieckens, Author of Playing with FIRE and the director of the Playing with FIRE documentary. Happily married in California with a young daughter, Rieckens had his dream life: A luxury car, yacht club membership and a big house. Underneath this façade, he was struggling with depression, overworked and overwhelmed, with no exit strategy. After discovering the financial Independence Retire Early movement, Scott began learning as much as he could, finally explaining to his family it was time to change. After a lot of research, talking and hesitation, they finally agreed. He finally quit his job, the family hit the road to move interstate, worked remotely over a year, and finally settled in a lower cost of living area, downsized their home and cut their expenses by 50%. Playing with Fire is Rieckens' story as told from their 'works in progress' perspective on their journey to financial independence through deliberate minimalism, reduced spending and maximised investing. A man after my own heart (and hairline!), Scott has championed Financial Independence, and his documentaries, short films, interviews and published works have provided information and inspiration to millions globally. I am absolutely stoked to have been able to chat with him and pick his brain for us all to benefit.
50 minutes | Sep 13, 2021
Entrepreneurship with Liz Raad
Liz Raad is a successful online entrepreneur and educator who's expertise is buying and selling websites and teaching women how to do the same. She is also the co-founder of theeBusiness Institute a private training organisation that provides digital marketing courses designed specifically for those who want to re-train for the digital future or earn income independently. Liz and I chat about her experience with Entrepreneurship, and how her and her Partner Matt transitioned from being professional zoologists on a PAY-G wage, into digital business owners producing a seven figure income.
95 minutes | Jun 10, 2021
Financial Independence with Sherry the SaverSpender
On board today is Sherry, better known as the SaverSpender from her instagram channel, and her blog savespendsplurge.com Sherry lives in Canada - the northern hemisphere's much colder version of Australia. Today we are talking aboot the reflections from Sherry's journey to financial Independence, and the powerful lessons she can pass on for us still working towards FI Sherry started her financial journey much like anyone else - graduating in 2006 at age 23 with enourmous amounts of student debt and into a less than satisfying working role. Working in Science Technology Engineering and Maths, Sherry realised if she quit her job and freelanced that she could make more money and pay her student loans off faster. in 2008 she did just that - pulling the pin on her traditional career, and trading off the stability for flexibility and higher pay. in doing so, she was able to quadrupel her income to $260,000 and become debt free by the end of the year in 2010 she hit the awesome milestone of a $100,000 net worth, and was hooked. She started side incomes and watched her Net Worth rapidly climb. eight years later in 2018, she became work optional and then in 2019, became a millionaire at the age of 36. All in all Sherry worked 13 years to become a millionaire, and now commands an impressive freelance income when she chooses to work. Sherry is an accomplished author and blogger, having published several books on finance, investing, web design and social media management, as well as running her successful website and instagram channels. Sherry lives in Montreal with her partner where they are raising their child together, and enjoying the benefits of an early 'work optional' or 'semi-retirement' lifestyle.
28 minutes | Jun 4, 2021
This is your Captain Speaking Q&A Session 2
This is your Captain speaking is a monthly update and a Question and Answer segment where I unpack some of the most popular questions from the Financial Independence community. If you have a question for the Captain, the best place to ask is the CaptainFI Facebook group or by leaving a comment on blog posts. If you would like to stay anonymous you can get in touch via the email from the CaptainFI blog contact form. I am also active on other social platforms and forums (but its easy for questions to get lost).
67 minutes | May 27, 2021
Superannuation with Life Sherpa Part 2
Part 2 of Superannuation with Life Sherpa. Important that you listen to Part 1 first. On board today is Vince Scully, better known as the Life Sherpa and Author of the popular book the Latte Fallacy which aims to dispel many common personal finance myths (like that ordering a latte or smashed avocado will stop you owning a home). Vince is a licenced financial advisor, and with over 40 years experience in the industry he has only just recently reached preservation age and is set to retire. Vince and I chew the fat on wealth, Financial Independence, Retirement, and how superannuation fits into the picture. Superannuation is a pretty massive topic, so Vince and I tackle it from a few different angles - including; •Discussions on the evolution of Super •When and where it may or may not be appropriate •The different types and structures of super available (industry funds, Wrap accounts and SMSF), •The effect of fee's on your super performance •Insurance within your super, and •sensible asset allocation for your super. We look at the four important focus areas and decisions you have to make when selecting your super, and explore the trade-off of the tax benefits of super versus the flexibility of other investment structures. We also cover some interesting and important wealth topics such as home ownership, car loans and the concept of Human Capital and why early retirement might not be such a good thing. Because it is such a big topic and I had such an awesome time chatting to Vince, I have broken it down into two parts. I didn't want to cut too much away on the editing room floor, because there are so many gems in here and actually to produce this took over four hours of interviews.
72 minutes | May 13, 2021
Superannuation with Life Sherpa Part 1
On board today is Vince Skully, better known as the Life Sherpa and Author of the popular book the Latte Fallacy which aims to dispel many common personal finance myths (like that ordering a latte or smashed avocado will stop you owning a home). Vince is a licenced financial advisor, and with over 40 years experience in the industry he has only just recently reached preservation age and is set to retire. Vince and I chew the fat on wealth, Financial Independence, Retirement, and how superannuation fits into the picture. Superannuation is a pretty massive topic, so Vince and I tackle it from a few different angles - including; •Discussions on the evolution of Super •When and where it may or may not be appropriate •The different types and structures of super available (industry funds, Wrap accounts and SMSF), •The effect of fee's on your super performance •Insurance within your super, and •sensible asset allocation for your super. We look at the four important focus areas and decisions you have to make when selecting your super, and explore the trade-off of the tax benefits of super versus the flexibility of other investment structures. We also cover some interesting and important wealth topics such as home ownership, car loans and the concept of Human Capital and why early retirement might not be such a good thing. Because it is such a big topic and I had such an awesome time chatting to Vince, I have broken it down into two parts. I didn't want to cut too much away on the editing room floor, because there are so many gems in here and actually to produce this took over four hours of interviews.
71 minutes | Apr 15, 2021
Financial Advisors with Dee
An important lesson us Pilots all learn in ground school is the value of having an experienced flying instructor. They guide, shape and mentor us as we learn to fly and eventually gain our wings. Well similarly, A financial advisor or financial planner is a professional who can help you learn to manage your finances like a pro. They can also help with estate planning and your overall financial strategy. They should work with you to comprehensively determine your personal financial situation, needs, challenges, behaviors and your future goals, as well as regularly check back in with you to make sure you are on track. Financial Advisors actually have to deal with some pretty impressive (and increasing) levels of regulation, and are bound in Australia by a legal obligation to act in your best interests. Having said that - they are not all the same. There are still some massive sharks in this industry, as well terrible financial products that you need to be aware of and that you probably want to avoid. So, do I have a Financial Advisor, do you need one to reach Financial Independence, and what are some of the common pitfalls when it comes to financial Advisors? I managed to track down an experienced, Not-for-profit financial advisor for a bit of a Q and A and got to ask pointed questions on the topic. Dee is a not-for-profit financial advisor with over a decade of industry experience. She has over 7 years of study behind her, having earned a degree in finance and multiple financial advisor qualifications including a Diploma, Advanced Diploma and Certification in Financial Planning - among many other industry specific, technical and regulatory qualifications. Dee deliberately made a pivot away from a higher workload and higher stress job, shifting into the not-for-profit sector to help design a more sustainable lifestyle. She mainly works with women and families to help get them on track to reach their financial goals - whether that is paying off debt, buying a family home, building wealth or literally just keeping their heads above water. Dee's partner also works in the not-for-profit field, and together they are raising a family and investing their way towards FIRE. Dee is no stranger to hard work. She initially earning $3 per hour in the families fish shop, and went on to be the first in her family to graduate university - even doing so debt free! She now balances the life changing work she does with ongoing professional development and being a Mum to two young children. So without further adue lets get into it and unpack everything you need to know about Financial Advisors...
61 minutes | Apr 2, 2021
This is your Captain Speaking Q&A Session 1
This is your Captain speaking is a monthly Question and Answer segment where I unpack some of the most popular questions from the Financial Independence community. If you have a question for the Captain, the best place to ask is the CaptainFI Facebook group or by leaving a comment on blog posts. If you would like to stay anonymous you can get in touch via the email from the CaptainFI blog contact form. I am also active on other social platforms and forums (but its easy for questions to get lost).
65 minutes | Mar 24, 2021
Cryptocurrency and Bitcoin: Stacking Satoshi's with Stephan Livera
World renowned Crypto expert Stephan Livera and I hang out in Sydney to discuss Crypto, Bitcoin, FI/RE and what the hell an NFT is! Stephan co-founded the ministry of nodes which is focused on educational content about the economics and technology of Bitcoin, and he also hosts one of the worlds leading bitcoin podcasts (regularly ranked in the top 10). Stephan has interviewed many high profile Bitcoin, Libertarian, Austrian economics and Macro guests, and has over 261 episodes released with over 2 Million downloads as of March 2021. Stephan is also ranked by Hive.one as one of the top trusted names in bitcoin, and he loves nothing more than calling out the 'shitcoin shills' as he puts it and other predatory behaviour in the industry. Listen in if you wanna learn how to 'Stack Satoshi's'!
92 minutes | Mar 18, 2021
Dan from WeMoney
We stop into Perth again, where Dan Jovevski (CEO WeMoney) joins us on the podcast to discuss all things expense tracking and financial well being. Just as well this flight is going to Perth, because this is a long one! WeMoney is probably the best expense tracking application I have found - I recently did a review on their software and my experience using it over the past 6 months or so, where I spoke to Dan over the phone countless times. I was pretty suspicious of it at the start, but after getting to know Dan, I knew he was legit and was someone I wanted in my corner on my 'Financial Independence Dream Team'. Plus, his software fitted in really well with my 'Steps to Financial Independence' with its awesome expense tracking and budgeting features. WeMoney is not just about budgeting and tracking expenses though, Dan and I unpack some of the additional features and resources, as well as some of the exciting updates and new additions coming to WeMoney in 2021. Of course, it wouldn't be the CaptainFI Financial Independence Podcast if we didn't go off on random tangents - but thankfully we have mostly kept to the script and left this to the end of the episode. We chat all about Dan's Financial Independence Journey, and his top tips for educating yourself and reaching FI
63 minutes | Jan 28, 2021
Kurt from Pearler
To reach Financial Independence, we all know we need to be investing. There are a wide range of financial products, investing tools and share trading platforms available today, making it difficult to know which is the right one for you. To make matters worse, many of these have outrageously high brokerage, or even hidden fee structures which can seriously erode your returns. To help de-mystify the investing landscape, Today I talk with Kurt Walkom - one of the Cofounders of Pearler, The Aussie brokerage platform dedicated to the Financial Independence community of long term investors. Pearler is a share trading platform based in Sydney. The company has a strong focus on Financial Independence, and has built tools for you to use that help you invest to reach Financial Independence - such as their Auto Invest feature. Pearler are so keen on Financial Independence, they even commissioned the Aussie Fire eBook to be written - which I had a lot of fun writing a chapter for back in 2020. If you want to have a read you can get a free copy when you sign up to the CaptainFI subscriber email list. I signed up to Pearler shortly after helping write the book last year, and have been using it to invest in ETFs - right through their Beta-testing phase. I found a platform that was intuitive and easy to use, that had great technical support, and that seamlessly linked to my existing sharesight portfolio tracking account. So, listen to find out what I think of the platform, and how can you use Pearler to reach Financial Independence. Kurt also Grills me on my portfolio and targets, providing a great constructive critique. Have a listen to find out more!
59 minutes | Jan 14, 2021
Matched Betting with Nico
Have you ever heard of matched betting? It keeps coming up in the FIRE community, and I wanted to get to the bottom of it. Matched betting is basically a technique that allows you to profit from online gambling, by taking advantage of Bookmakers loss-leading promotions. It exists because bookmakers give away free bets in order to encourage punters to bet with them. Matched bettors collect these free bets, and then go to a betting exchange where they can sell them for 70-80% of their face value. It is a bit more complex than that and there is a few more steps, but that is the general vibe. It is not a get rich quick scheme, it is certainly not passive income. Most people can realistically expect to make around $10 to $50 per hour once they get good at it (but you might even lose money over the first few weeks as you learn the ropes). Experienced matched betters using advanced techniques such as horse racing promotions may be able to get past the magical $100 per hour. However, there are a few catches that you need to be aware of. I go more into all of these in the show notes. So is it worth your time? In order to make a bit more sense of all this, Nico has jumped onboard to share his experiences with matched Betting
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