What everyone knows is usually wrong.  And the narratives surrounding debt are a classic case. In this episode, you'll discover why and how debt IS the most powerful tool for putting your money to work. And why not having and using debt is one of the biggest risks you can take financially. Also in this episode: How early relationships with authority figures shape our relationship with debtWhy past experiences of others need to be analysed before being taken on How and why savers lose in a debt-based system The winning money move most experts miss.  Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Debt is demonised, but what if it is THE most powerful tool you can wield to build your wealth.  In this series you'll learn why 'debt is bad' is one of the most damaging messages in personal finance. Tune in to this ep so discover what we'll cover and why now it the best time to get across it.  Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

The Passive Income Project is no more! And in this episode, Ryan and Terry talk through the reasoning for retiring the name. And they explain why Wealth Time Freedom (WTF) was chosen as the new torch. Finally, they reveal the topic for their next series on the podcast. Tune in to find out! Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

If you want to know how to master the money game to win the wealth game (and how they're different) this is the ep you've been looking for. Matt from the Aussie Firebug is back for another epic conversation. This time we discuss his revelations and a shift in direction and focus in his FIRE journey.  We examine the good, the bad and the ugly of the FIRE movement.  Also in this episode: Travel as the ultimate investmentThe role of meaningful work vs retirement The unquantifiable value of investing outside of Super Why it's easier to use money made from dividends vs growth-oriented portfoliosThis episode is packed full of transformational perspectives and powerful truths told in retrospect. It will encourage you to step back, reflect and reset.Resources MentionedAFB Article: FIRE/Life updateReddit Article: I lost the love of my life because of FI, don't be me Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about p...

In this ep, Terry and Ryan explain why they're primarily saving in Bitcoin right now.  Guided by the intersection of monetary policy, Bitcoin behavior, and seismic shifts in the financial landscape.  They also share a few good reasons why you should think twice before buying any at all. Expect to learn: When 'speculating' is worthwhile. The drivers pushing interest rates down, not upWhy the big money wants into BitcoinHow Bitcoins 'halving cycle' could catalyse the next bull run.  Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about p...

In this ep, Terry scrutinises the latest Rate rise, and the human folly behind it. Then Ryan and Terry detail all the ways we’re likely to trip ourselves up as we enter the most uncertain economic period in the last 30 years. Using the inversion principle, they explore the pitfalls, and preventable mistakes we tend to make when fear hijacks our thinking in times of economic instability.Also in this episode:The two ways we tend to overreact to change Two data points that cause investors to self-sabotage amidst volatilityThe big career mistake that will cost you peace of mind and progress Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about p...

What if your deepest desires are the key to unlocking unparalleled wealth and fulfillment? We're not talking about the fleeting whims or material possessions, but those profound wants that drive you, shape you, and unleash your true potential. In this episode, we're turning the tables on conventional wisdom and igniting a discourse about the power of wants and desires in propelling personal growth, actualization, and wealth creation. Challenging beliefs and expanding perspectives, we probe into how the pursuit of our wants can spark creative energy and lead to tangible results. We differentiate between wealth and money, urging you to carve out a life not merely rich in money but in experiences and achievements. We touch upon the concept of memetic desire and the need to separate wants that are internally driven from those influenced by external factors. It's about aligning your desires with your best self and not being swayed by societal norms or judgments.Finally, we underscore the power of declaring your wants and breaking free from the fear that keeps you tethered. Through inspiring anecdotes, we highlight how ignoring the judgment of others can lead you to 'blowout success'. It's about finding your leverage, spending time on things that are meaningful, and embracing the journey of actualisation. By the end of this episode, you wouldn't just comprehend what living a wealthy life entails, but also be charged up to embark on your self-actualization odyssey. It's time to declare your wants, chase your desires, and unlock a life brimming with wealth in its truest sense. Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about p...

In this short episode, Terry shares a candid conversation he had with one of Australia's most revered champions - and how it shaped the way he thinks about pursuing big ambitious goals. If you're going all in on something, but you're doubting yourself this episode is for you.  Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about p...

The debate surrounding the Voice to Parliament has reached fever pitch. And for many of us, constructive conversations are hard to come by. But is this really because we can't agree or don't want the best for everyone? Or are we being played by a political apparatus that doesn't want us to look deeper at the unspoken economic issue at the heart of it all.  We all get to make a life-changing decision on Saturday the 14th of October. And getting beyond the headlines is critical if we want to get it right. In this conversation, Ryan, Terry and Mitch do their best to have a thoughtful discussion about internal and external obstacles that are getting in the way of clear thinking and constructive conversation.   Resources Mentioned: 👉 Uluru Statement of the Heart 👉 Fact Sheet: Constitutional Amendments👉 The Voice Handbook 👉 Terry's Article: We're all 'Racist', Let's Fix it Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about p...

We're evolving the way we produce this show. We've heard you for a while now. More of you want more content, more often. In this ep we outline how we're investing more into this podcast and changing our approach to give you more of what you want.  Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about p...

In this episode, Mitch Parkins joins Terry to decode and dismantle the biggest money  misnomer money: that conditions must change before progress can occur. The most powerful gift you have to create the life you want isn't outside of you. It is within you. Your decisions shape your reality, but indecision only leads to a life of misery. In this episode, Mitch and Terry share everything they've learned combatting the 'miserable maybe' in their own lives. Plus what they've seen and understood helping hundreds do the same. If you've ever found yourself paralysed by decisions that have the power to move the needle in your life, this episode is for you. Also in this episode:Why we're so afraid of decisions (and who's the blame)How to face down your fear of making decisions Why every decision is a 'win' whether it works out or not. The 7 questions Mitch and Terry use to make important decisions that have the power to shape their future.  Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

Are you ready to redefine your relationship with money and turn it into a powerful tool for building your dreams? Tune in as we sit down with Mitch and Brooke, an inspiring couple who’ve done just that. From traditionally divided roles to what they call a 'money project', they’ve transformed their financial lives and in the process, created a life they love. Their journey is an eye-opener about the importance of financial communication, sharing goals and understanding roles in a relationship.We also dive into their mentorship experience that helped them kickstart this transformation. From making assumptions to opening up about their dreams and financial goals, their story is both relatable and aspirational. Mitch and Brooke's shared vision became the driving force behind their financial decisions, proving that when coupled with financial alignment, your dreams are not far from reality.But it doesn’t stop there. The couple’s shift in money management roles and how they started working as a team will have you rethinking your own financial dynamics. Using money mapping and forecasting, they’ve created a life they never wanted to escape from. Can you imagine that? So come join us for a chat that could inspire you to start making sound financial decisions with your partner, and who knows? It just might empower you to transform your own life through financial alignment. Listen now! Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

In the first two episodes of the love and money series, we explored the symptoms and revealed the causes of Dysfunctional Harmony. In this episode, you'll discover the cure. Helen and Terry reveal the most important factor for flipping the script, and why the SCARF model reveals for roadmap for reimagining your financial future as a couple. Also in this episode: 07:13 👉 How 'psychological safety' influences your ability to collaborate as a couple07:55 👉 Breaking down the SCARF model to apply it to couples and money 11:53 👉 Why couples 'burn out' despite their best intentions20:11 👉 The three different types of accounts you need (and how we configure them)31:43 👉 The shockingly simple idea that ELIMINATES financial stress and conflict Show notes Click here to see notes on this show and all resources & links mentioned. Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

Money talk can be a minefield for couples. And for many it often becomes easier to avoid. But by understanding the true sources of tension and conflict, you can transcend it. In the second episode in the Love and Money series, Helen and Terry diver deep into the unconscious jobs we give money, and how these stories undermine our ability to cooperate with others effectively. If you've struggled with money talk in the past, this episode will explain why, and give you the tools you need to succeed.  Also in this episode: Why and how most couples tolerate 'norms' they hateDecoding our patterns of existence with The Four Financial Alter Egos Unravelling our money stories through three layers of meaningAccess Your Easter Eggs Here 👉 unlock and access the four financial alter egos module 👉 step-by-step conversation planner. Show Notes Click here to see notes on this show and all resources & links mentioned. Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

In the first episode of this series on Love and Money, Terry is Joined By Helen Wilkie. Helen was featured with her partner Chace in PIP #59 and has now coached couples coming through the mentorship. In this episode Helen and Terry preview the couples series and start by exploring a single question: is the way we're working with money holding us back? To answer that question, you'll learn:  How to spot the 5 Warning Signs of Dysfunctional HarmonyWhy unrealistic ideals lead us astrayWhat being ‘on the same page actually looks like’If you've ever wondered whether you could be working better together and what that could actually look like, this episode is for you.Show notes: Click here to see notes on this show and all resources & links mentioned.  Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

Ryan and Terry debrief the Jonathan Bi interview and discuss how they're using mimetic theory to better understand life's most important decisions. Also in this ep:How to weed your wants to get more meaning from your effortsA more nuanced pursuit of 'retirement' How to switch your mimetic nature on and off using a key character trait👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned. Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

Our results and reality are created by our decisions. But our decisions are directed by our desires. So by better understanding and interrogating our desires, we can improve the quality of our lives.In this episode, Terry chats with Jonathan Bi. Jonathan is one of the world's preeminent experts on Renee Girard’s theory of mimetic desire. This conversation brings a more practical, real-world understanding of this idea and how we can use it to more consciously pursue a rich and meaningful life through our life choices.Also in this episode:A fundamental, first principles explanation of where our wants come fromHow to identify pursuits of ‘prestige’ that leave us unsatisfiedHow to use mimetic desire to amplify achievement👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned. Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

In this episode, Ryan and Terry sit down to discuss and debate their takes on PiP#80 with Jeff Booth. And they explore how they are thinking about using this information to guide their investing and career decisions going forward.  Also in this episode: The debt debate, is it a wealth tool or a poison chalice? The new paradigm shifts technology is making possibleHow to create opportunities and wealth in the new economy we're heading into. 👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes:Click here to see the transcript and links to all resources  Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

AI is changing the way the world works - in front of our eyes. And in his best-selling book 'The Price of Tomorrow', Jeff Booth predicted it. In this episode, Jeff calls it as he sees it and details who the winners and losers will be in an AI world. He also explains how he's playing it. Expect to learn:Investment risks for those who concentrate their wealth and are not responsible with debt. The technology 'land grabs' that are opening up right now for the proactive. Why he believes Bitcoin is the safest financial footing to stand on. How our generation can build a new world that benefits all. 👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned. Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

If you've ever wanted to know more about what's in the money mentorship and how it works, this episode answers every question you ever had.Following up on their 'hacking money habits series' and Rachael Taylor's story, Ryan and Terry reveal the 'secret sauce' behind success stories like Rachael Taylors (ep #78). Specifically, you'll discover how the tools of behaviour science, game design and success pyschology can be used to pursue and achieve your goals.  Also in this episode: The design principles and philosophy that underpins the 'Money Mentorship' An overview of four 'evolutions' and the evidence based tools within eachThe difference between financial education and financial advice. -------------------------------------------------->>> Book My Action Setting Call <<<------------------------------------------------👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned. Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

In this episode, Terry chats with program alumni Rachael Taylor. Rachael is the perfect example of what it looks like when someone who was working hard, finally puts it all together and learns how to use money to change their life. If you’ve ever wondered if you’ve waited too long to make money a project, you need to listen to this episode. Show notes:Click here to see notes on this show and all resources & links mentioned.👉  Level up with CompassGet started using the only habit formation system for personal finance. Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

Motivation comes and goes in waves. But how can you make waves so you can persist when pursuing your goals? In this episode, Terry sits down with NYU Motivation scientist Emily Balcetis to discuss her work on how perception can change our ability to persist in the pursuit of any goal. Also in this episode:How the sense of vision is different from our other senses (and why that matters in the context of goal pursuit). How to get motivated when you're not yet confident or competentThe different ‘frames’ we need to adopt at the start, middle, and end of any goal pursuit.A simple strategy for reclaiming your confidence when it feels like you’re getting nowhere.Show notes: Click here to see notes on this show and all resources & links mentioned.👉  Level up with CompassGet started using the only habit formation system for personal finance. Hey, before you go, do you want to continue the conversation with us and get insider access to more resources, tools, and training? If, so it just followed these three steps. One opened the episode description to click, see more and three hit the link that says join the private podcast community. Here you can discuss recent episodes with us, unlock exclusive insider gifts and accelerate your progress with proprietary tools that we've built just for you. 💵 BOOST MY SAVINGS by entering the draw to the $500 prize or 1 of 10 x $250 credits to one of our flagship programs. Join the Private Podcast CommunityClick here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the...

Every financial decision is a vote for where you'll end up in the future. But most happen on the fly. So how do we make sure we're making great day-to-day financial decisions without becoming exhausted and overwhelmed in the process? In this episode, Ryan and Terry explore the structural dimension of change. Structure dictates behavior, so by changing the structure you can tune your behaviour to align with your goals automatically. Also in this episode: How to know whether your current banking structure is working for or against youThe two 'jobs' a good banking structure must accomplish for its user 5 Steps to customise your banking structure by gearing it to your goals. 👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Humans are social animals, and change is a social phenomenon. In this episode, Ryan and Terry explore the concept of 'mimetic desire' to understand the role it plays in the pursuit of what we want and how our wants change us. Also in this episode: The origins of mimetic theory Where our wants come from (and how they can work against us) How to 'weed your wants' and escape the rat race 👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Yu Kai Chou is one of the world's foremost experts on motivation and game design for real world outcomes. He has advised and consulted to organisations like Uber, Tesla, Oxford, Yale and Stanford universities among many others. In this conersation he shares his Octalysis framework for gaming motivation and gearing it toward your goals. Also in this episode: The unorthodox source of Yu Kai’s expertise.Why making things more interesting and enjoyable works better than rewards.The 8 universal core drives that motivate us to act.How to mix Black hat and White hat drives to start and sustain our efforts.👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned.Private podcast community: Click here to get to know us better, debrief episodes, and access our top 100 resources. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

BJ Fogg is the Einstein of Behaviour change. He studies and teaches behaviour science at Stanford, and chances are, you interact with tools and tech built on his insights several times a day.In this episode, Terry sits down to explore the origins of his Fogg behaviour model, and how it applies to realm of money.Also in this episode: Why emotion (not discipline) is the key to wiring in new habits without willpowerTwo ways you can reduce your relaiance on motivation to make a desired behaviour happen. How to help others in their change effortsHow to use the Fogg Behaviour model to make or break habits that will improve your financial results.👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

When it comes to catalysing personal transformation, John Demartini has very few peers. In this episode, here shares some of his most profound wisdom on how and why we change. He also shares his story of overcoming learning difficulties and financial illiteracy to becoming financially independent 'many times over'.    What you’ll learn:The role your personal values play in dictating your destiny.The simple discipline that led John to financial freedom in less than 10 years.The mindless decision that leads us to devalue ourselves virtually guarantees we’ll never reach our financial potential (and what to do about it).The investing reframe to transcend the fear, uncertainty and doubt that comes with volatility and uncertainty in markets. 👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Getting smarter about money is not the same as being more skilled with money. And the research clearly shows that financial outcomes are mediated moreso by behaviour than intelligence. Yet the vast majority of people relentlessly seek information and neglect to take action.In the first episode of their new series, Ryan and Terry discuss why this is, and share some of their biggest learnings from helping others take action and build skills and habits to improve their money lives.Also in this episode The one thing most money experts get wrong about behaviour when prescribing personal finance solutions.A simple model that explains why we do or don’t take an action.The least understood component of the behavioural equation.The six sources of influence you can use to engineer powerful personal change.👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned.Private podcast community: Click here to get to know us better, debrief episodes and access our top 100 resources. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

The ability to anticipate the impacts of saving and spending decisions on long term goals and progress is a personal finance superpower. And in this episode Ryan and Terry deep dive into the most important practice for cultivating this skill: forecasting. Also in this episode: The two sources of stress that are eliminated when you learn to forecastThe big decision many people make after getting as a result of the clarity they get after forecasting.What forecasting is and isn’t. And how it works.👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned.Other Links Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

A growth mindset might be the most valuable asset you can have. Katie and James's story proves just how powerful it can be in the realm of money.They had big hopes and dreams before getting married, but also knew they lacked the financial skills to make the most of the opportunities they had. Their story shows that the rewards of making money a project can happen far sooner than most people think.Also in this episode:The power of aligning your financial goals with your values How to enjoy your money while working toward longer term goals.The ethics of investingAdvice for those starting out 👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In the last show of their Bitcoin Bear market series, Ryan and Terry talk about their main lessons from every guest. They also explore the difference between what you'll hear if you don't look for answers and what you'll find out if you do.Also in this episode The most exciting innovation in global finance that no one is talking about. The often overlooked parallel between what happened at FTX and the current banking system.New information that would cause them to change their minds on BTC as a savings mechanism for their future.👉  Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Cory Klippsten has become famous for exposing many of the frauds and failures we've seen in crypto since last years all-time high. If the collapse of FTX didn't make it clear, 'crypto' is still very much the wild west. And Cory has shown himself to be one of the most effective guides for those who want to stake their claim.  In this episode, he details how his past experiences in business and tech led him to 'crypto'. And the moment he realised there was a big difference between BTC and 'crypto'.  If you want to defend your wealth from the unscrupulous villains who would defraud you, listen to this episode and share it with people you care about.  Also in this episode:The link between online poker, ad tech and crypto scams. The catch cry opportunistic venture capitalists have been using to describe the conditions that make crypto ripe for misleading everyday people.The likely future of both BTC and Ethereum based on how they each work differently. 👉 Level up with CompassGet started using the only habit formation system for personal finance.Cory's Twitter account Swan Bitcoin Show Notes:Click here to access all links and resources mentioned in this episode. Other links 👇 Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Jesse Myers is a former Stanford MBA, and top-flight consultant and Bain and Co. As one of the most impactful Bitcoin educators, he is a master at helping you use what you already know as a scaffold for understanding something new. If you’re still not quite seeing the opportunity we have right now, this episode will definitely fill some gaps.  Also in this episode: How fine art can explain the mania we see in Bitcoin every four years or so.How buying Bitcoin is like owning a slice of ‘the internet of value’.Why Buying Bitcoin is like ‘Staking Your Claim’ in the wild west.👉 Level up with CompassGet started using the only habit formation system for personal finance.Jesse's Twitter AccountArticle: Why the Yuppie Elite Dismiss BitcoinShow Notes: Click here to access all links and resources mentioned in this episode.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Nat Brunell is an Emmy award winning journalist, and host of the popular BTC podcast ‘Coin Stories’. In this episode she exposes the flawed operating model that makes the media work. And explains the big problem that perpetuates misinformation about BTC and the financial system in general. Also in this episode: The painful childhood memory that forced her to confront the fact that the system is broken Why you don’t need to be technical to understand or appreciate Bitcoin. Why she sees BTC as a ‘way out’ for younger generations who would otherwise be forced to pay the tab for those who’ve gone before them.Nat’s favourite BTC skeptic, and why she believes he’ll eventually have to change his mind. Coin Stories Podcast Nat's Twitter account👉 Level up with CompassGet started using the only habit formation system for personal finance.Show notes: Click here to see notes on this show and all resources & links mentioned. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In the first of the Bitcoin Bear Market series, Terry chats with one of the most compelling voices in Bitcoin: Robert Breedlove.Roberts articles and podcast episodes boast more than 10 million downloads. And it’s not hard to see why. He is part philosopher, part educator, and part subject matter expert. In this conversation, you’ll see all sides as he explains how and why he came to devote his professional life to Bitcoin.Also in this episode:Why there needs to be a real world cost to produce money. And the human suffering that occurs when there isn't. How manipulating the price of money affects our ability to plan, think and relate as humans. The surprising link between Bitcoin and the number zero. Show notesClick here to see notes on this show, plus all resources and links mentioned. 👉 Level up with CompassGet started using the only habit formation system for personal finance.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Is Bitcoin dead? With markets crashing in slow motion and Bitcoin falling from its all time highs Ryan and Terry re examine Bitcoin’s value proposition. In this series preview they discuss why they’re digging deeper into it at a time where most people are ignoring or dismissing it. And they reveal the group of experts they’ve consulted in the space to get a deeper appreciation of what Bitcoin really is (and isn’t). Also in this episode: Why right now might be the best time ever to learn more about BTCWhat the collapse of the FTX crypto exchange means for the market and BTC in the long term The five experts you'll learn from (and what they'll teach you) in this series. 👉  Level up with CompassGet started using the only habit formation system for personal finance.Other LinksShow notes: Click here to see notes on this show and all resources & links mentioned.Private podcast community: Click here to get to know us better, debrief episodes and access our top 100 resources. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this episode, Ryan and Terry break down PiP61 with Lyn Alden. Macroeconomics is complex and the language can be very opaque. So together they work through the most important concepts Lyn covered in her episode with Terry. Then, they discuss their biggest takehomes and some working principles for investing during periods of transition and stagflation. Also in this episode:Understanding the difference between Monetary Policy and Fiscal Policy, and how they each impact the price of things. How centrally planned economies are like a 'shitty car' driving on a precarious road. The three big things to expect as the global economy changes it's shape and form over the next 5-10 years. 👉  Level up with CompassGet started using the only habit formation system for personal finance.Other LinksShow notes: Click here to see notes on this show and all resources & links mentioned.Private podcast community: Click here to get to know us better, debrief episodes and access our top 100 resources.Corporate program: Click here to find out more about our workplace programFollow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Investing used to be relatively simple. Buy equities or real estate (or both) and chill. But unless you've been living under a rock, you'll know the way the world works has changed. And that means that relying on old assumptions about the nature of investing is risky.  We need an updated view of the landscape in order to know how to play it. In this episode, Terry chats with Lyn Alden. Lyn is a global thought leader, sought-after speaker and consultant on macro investing strategy. Her extensive research has also led her to become one of the most trusted voices from the ‘traditional finance’ space on crypto currency. She has advised governments, investment banks and institutional investors on all of the above, and the articles she publishes are devoured by tens of thousands of investors all of the world. In this conversation, Terry tap into Lyns best thinking in an effort to answer one simple question. Does the environment we find ourselves in change the way we should think about investing? And if so, how?Also in this episode:Exactly how and why the game has changed Who the winners and losers are likely to be What we can learn from the 1940s to guide our investment decisions in the 2020s.  👉  Level up with CompassGet started using the only habit formation system for personal finance.Other LinksShow notes: Click here to see notes on this show and all resources & links mentioned.Private podcast community: Click here to get to know us better, debrief episodes and access our top 100 resources.Corporate program: Click here to find out more about our workplace programFollow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this episode, Ryan and Terry discuss the most important mechanism for developing a sense of conviction and direction for your financial future: your financial plan. It's well known that behaviour accounts for the majority of investor returns, and a well constructed financial plan is one of the most important behavioural tools that exists. And, it is much simpler than we're often led to believe. If you want to know how to avoid the biggest mistakes most investors make, this episode is for you. Also in this episode:What a financial plan actually is (and what it's not) The three 'jobs' a financial plan must accomplish The 6 core elements any financial plan should have 👉  Level up with CompassGet started using the only habit formation system for personal finance.Other LinksShow notes: Click here to see notes on this show and all resources & links mentioned.Private podcast community: Click here to get to know us better, debrief episodes and access our top 100 resources.Corporate program: Click here to find out more about our workplace programFollow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this episode, Terry sits down with two of the earliest members of the program: Helen and Chace Rankin. They discuss their journey, from frustrated and confused couple who couldn’t work out why they weren’t achieving what they were capable of, to calm and connected team who’ve set themselves up and have earned life choices most would see as luxuries.Also in this episodeHow they transcended circular arguments about money.The insight that allowed them to wasting time and effort on the small things and channel it toward getting big results.What it was like to get invested right before the COVID crash, and how the rode it out together as a team.Most people don’t get started working on their money because they feel like it’s not the right time or the rewards are too far off in the future. Helen and Chace’s story proves that the sooner you commit to consistency, the sooner you’ll enjoy the fruits of your labour. If you want to be inspired by what’s possible, then have a listen to their story.👉  Level up with CompassGet started using the only habit formation system for personal finance. Other LinksShow notes: Click here to see notes on this show and all resources & links mentioned.Private podcast community: Click here to get to know us better, debrief episodes and access our top 100 resources.Corporate program: Click here to find out more about our workplace programFollow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this bite-sized ep, Terry reveals the biggest lesson learned from the last few years of coaching people on their finances. It has to do with what separates those who persist long enough to get traction and results, and those who start strong but fall off the bandwagon.You'll also get the inside scoop on the secret project the team have been working on to help you bridge this gap and have your efforts compound into results. Ready to take action?👉  Level up with CompassOther LinksShow notes: Click here to see notes on this show and all resources & links mentioned.Private podcast community: Click here to get to know us better, debrief episodes and access our top 100 resources.Corporate program: Click here to find out more about our workplace programFollow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Making money as an entrepreneur is different to earning it as an employee. In this episode, Terry chats with Charlie Vahler. Charlie is a high school dropout who completed an apprenticeship as a plumber before realising he wanted to be in business.  And his journey has made him financially independent by age 33. In this chat, he decodes the process he took to pinpoint the most important factors in his success. If you're in business or want to be, this episode is as inspiring as it is instructional.  Also in this episode:The 2 most important skills Charlie learned as an apprentice that have made him successful in business. How to use 'The power of 5' the change your beliefs and improve your resultsCharlie's number one strategy for breaking through earning plateaus. Ready to take action?👉  Get guided by CompassOther LinksShow notes: Click here to see notes on this show and all resources & links mentioned.Unlocked: Money mapping training: Click here to learn how to maximise your return on life by making more mindful decisions with your money, monthly :)Private podcast community: Click here to get to know us better, debrief episodes and access our top 100 resources.Corporate program: Click here to find out more about our workplace programFollow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

As the prices of things rise while economies contract, the ability to collaborate with others to carve out your piece of the pie will be one of the most valuable skills you have. Negotiating well will help you maintain your ability to save and invest as the prices of assets fluctuate. And this means there will be times you'll be able to buy more with less. That is why this economic season can represent a rare window of opportunity for the proactive. In this episode, former FBI hostage negotiator Chris Voss takes Terry through his groundbreaking principles for preparing for any negotiation conversation. And specifically how to have conversations about increasing your pay with your employer. Also in this episode:A simple analogy that will help you overcome your anxiety and resistance. Why seeking yes is less effective than eliciting 'no' The one question you can ask first to ensure any conversation about pay goes your way. Show notesClick here to see notes on this show and all resources & links mentioned.Unlocked: Money mapping trainingClick here to learn how to maximise your return on life by making more mindful decisions with your money, monthly :)Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to discover why most people don't achieve their financial goals (and what to do about it).Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Those who have the ability to attract more money while economies contract benefit disproportionately from the volatility. In this episode, Ryan and Terry explore the two main ways to increase your income without having to go back to school to get more qualifications.Also in this episode: The important difference between earning money vs making moneyThe important skills you need to be developing as an employee or business ownerA simple, yet powerful powerful activity to guide your effortsShow notesClick here to see notes on this show and all resources & links mentioned.Unlocked: Money mapping training Click here to learn how to maximise your return on life by making more mindful decisions with your money, monthly :)Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to discover why most people don't achieve their financial goals (and what to do about it).Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

If cash flow is king, increasing your income is the order, power and respect that is required for ruling effectively. In this short hit of training, you'll discover how to go from peasant to royalty by making one simple, yet powerful mindset shift. Also in this episode:What we can learn from Jeff Bezos about boosting your earning power by adopting a 'servant mentality' The logical fallacy that breeds fear and caps your earning potential. How to break through your biggest blocker to increasing your earning power. Show notesClick here to see notes on this show and all resources & links mentioned.Money mapping trainingClick here to learn how to maximise your return on life by making more mindful decsions with your money, monthly :)Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to discover why most people don't achieve their financial goals (and what to do about it).Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Winter is coming, and humans don’t do well with change. In this episode, Ryan and Terry detail all the ways we’re likely to trip ourselves up as we enter stagflation for the first time in decades. Using the inversion principle, they explore the pitfalls, and preventable mistakes most of us tend to make when fear hijacks our thinking in times of economic instability. Also in this episode:The two ways we tend to overreact to change Two data points that cause investors to self-sabotage amidst volatilityThe big career mistake that willShow notesClick here to see notes on this show and all resources & links mentioned.Money mapping trainingClick here to unlock the insiders training by joining the podcast communityCorporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to discover why most people don't achieve their financial goals (and what to do about it). Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Stagflation is upon us! But what does that even mean? And what does it mean for you? In this episode, Ryan and Terry explain why getting by is getting alot harder - and who’s to blame. This is the first episode in a short series meant to act as a ‘survival guide’ as things become more and more uncertain in markets and economies globally.Also in this episode:Exactly how much less the average Aussie earns in real terms than 10 years ago.How current events and policy decisions have combined to create a ‘perfect storm’How and where to shift your focus to survive and prosperShow notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to unlock the insiders' training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this episode Terry chats with Jeff Booth, Author of the Global best seller 'The Price of Tomorrow'. Jeff is a technology entrepreneur, venture capitalist, and adviser. In a wide ranging conversation they explore the reason our monetary system evolved to create credit, and why we must evolve beyond it if we are to solve our biggest, most pressing problems.  Also in this episode:What maniupation of money has to do with misinformation in society Why we should be working 10 hours a week but we're not How climate change is linked to the debt based economy Show notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to unlock the insiders' training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Off the back of the previous two episodes, Ryan and Terry summarise the insights covered so far on how conditions are changing for the average Aussie. Then they shift the focus to the concrete steps you can take right now to protect yourself from the change and uncertainty we’re all facing. If you’re wanting a roadmap for financial resilience for the next couple of years, stream this episode now. Also in this episodeThe most important cost you can control as prics rise The other loyalty tax that you're paying (and how to eliminate it)5 Steps to take right now to protect yourself from the uncertainty aheadShow notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to unlock the insiders' training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this episode, Terry chats with award winning mortgage broker and property adviser Chris Bates. Chris sheds some more light on what is happening (and what will likely happen) with interest rates. Plus how the banks are responding to the first rate rise in 11 years. Chris also shares his views on how the property market is responding, and do's and don't for prospective buyers. If you're wondering what these big shifts might mean for you, this episode has some sound guidance on how to batten down the hatches to protect yourself from the winds of change. But also how to position yourself from what will likely stay the same.Also in this episodeThe most powerful way you can offset and even eliminate the impact of rate rises on your financesThe most important considerations for homebuyers in an uncertain property marketWhy the banks and their mouthpieces aren't to be trusted Show notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to unlock the insiders' training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks. Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this episode, Ryan and Terry dissect the truth behind the barrage of headlines screaming ‘rates hikes are upon us’. There are three parties whose intentions aren’t necessarily to inform us, and in this episode, you’ll see how and why that’s the case. Knowing what’s really going on behind the scenes is how you avoid overreacting in any direction and keep your cool amidst the uncertainty. You'll discover:Why and how we're being misled by the media The government's dirty little secret (and how the Reserve Bank helps them keep it) Considerations for homeowners, home buyers, and renters Show notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to unlock the insiders' training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Most people aren't motivated by money, and there's a good reason for that. In this episode, Ryan and Terry explain why that is, and how to flip the script by doing exactly what most money experts advise against. You'll discover:The most powerful force for achievement most money experts ignoreHow to calibrate your internal guidance system for automatic achievement The four-step process they use with members to develop the clarity and conviction you need to go after what you really want. Show notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to unlock the insiders' training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this episode, we get back to basics. This is a conversation with Sam Wilson. Sam is a young professional and founder of Sober mates, a community and education platform focused on helping young Aussies explore their drinking habits. She's also a fantastic example of how when you focus on what you can control, the list of things within your control expands. In this episode, we explore the journey that led her to make money a focus in her life, some of the big changes she’s made and how she approaches self-improvement more broadly. You'll discover:How 'micro stress'  around money impacts our lives (and what Sam does to eliminate it)The power of working with reality (even when you'd rather live in fantasy)Why getting clear on what you really want can open you up to having it soonerShow notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to unlock the insiders' training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In the final episode in their decoding crypto series, Ryan and Terry get practical. They discuss how their views and positions of ‘the market’ have shifted and evolved as a result of learning more about Bitcoin. Then they lay out a thesis for how they see things playing out in the future and the working principles they’re using to position themselves to ‘win both ways’. If you want to know how to be rewarded for the way the system already works as well as benefit from how things are likely to change, this is a must listen. Also in this episode: How Ryan and Terry have changed their financial planning based on what they’ve learned (hint: it’s probably not what you think) Jeff Bezos number one insight for predicting the future, and how it relates to Bitcoin and the future of money. How to ‘right size’ your exposure to Bitcoin (if you decide to use it as a savings mechanism) Show notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to unlock the insiders training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Bitcoin is the most volatile ‘asset’ ever. And FOMO is real. To avoid making preventable mistakes, you need to be very prudent before putting any money in it. In this episode, Ryan and Terry explore the major considerations that have informed their thinking before settling on how much money (if any) to put into Bitcoin.Also in this episode:The major 'tailwinds' driving adoption and growth of the Bitcoin networkThe strongest 'headwinds' that are slowing or stalling growth and adoptionThe 3 most critical 'threats' that could cause Bitcoin to go to zero Show notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to unlock the insiders training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In part two of their Fiat vs Bitcoin comparison, Ryan and Terry use a clever Willy Wonka analogy to explain the mechanics of the Bitcoin network and monetary policy. Following the same structure and their previous episode, they explore how Bitcoin would propose to handle the three functions of a monetary system. And in the process, they uncover how Bitcoin could fix some of societies biggest problems. Also in this episode:Three simple thought experiments that can help you envision how the world would be different using Bitcoin as it's monetary system The biggest cost that comes with Bitcoin (and why it might be worth every cent) How to reduce your risk by understanding the crucial difference between Bitcoin and 'crypto'. Show notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us backClick here to unlock the insiders training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In the first of a two-part discussion, Ryan and Terry set the stage for a like for like comparison between the centralised Fiat system and Bitcoins Blockchain alternative. in a wide-ranging discussion, they turn back time to answer two critical questions. First, how we got here, and second how it's working for us.  Also in this episode:The three functions of the fiat system (and the pros and cons of each) How and why government came to be involved with moneyWhy 'The Fed' and its network of central banks aren't in charge - and who isShow notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programMasterclass: The Four handbrakes that hold us back Click here to unlock the insiders training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Knowing why cryptocurrency was conceived is more valuable than knowing how the blockchain works. If you understand the insidious problem that Bitcoin as the first cryptocurrency was designed to solve, you’ll be much better positioned to ride the waves of change it is creating. The reason why is that you’ll have a much greater appreciation for the implications it has for the global financial sector.In the second episode of their series on crypto, Ryan and Terry go back to first principles in order to get to the bottom of what money is, why crypto is here, and what it might mean for all of us.Also in this episode:What money really is and how it works (or doesn't work)How 'stock to flow' explains whether or not money functions as a store of value (and what happens when it doesn't) Who's at fault for the problems created by Fiat currency and how Bitcoin seeks to solve the problem. Show notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programFour factors trainingClick here to unlock the insiders training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Is Crypto fools gold or the future of money? That is the question Ryan and Terry pose in the first episode of their new series: decoding crypto. After a 6-month learning project, they bring together the best insights and share the important changes that forced them to ‘take another look’ in order to be able to answer that question once and for all.Also in this episode:Why Ryan and Terry have been dismissive of crypto (and the thinking trap they both fell into)The renegade CEO who’s historic Bitcoin bet forced them to question all of their assumptions and get beyond the headlines. Why Warren Buffet's views on crypto need to be weighed with caution. The ultimate resource guide that documents all their learning.Show notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programFour factors trainingClick here to unlock the insiders training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.   Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Today's tech driven information age drives change at a pace that is dizzying. What you knew last year is obsolete this year. And that means the ability to pick up new things fast is superpower that makes you rare and valuable in todays global economy. In this episode, Ryan and Terry kick off a new short series on learning how to learn. And the focus for this episode is how to overcome your blocks to learning. If you've ever struggled with doubt and indecision that stops you pursuing new learing projects, this episode is for you. Also in this episode:Why learning how to learn increases your earning potential and resilience. How to accelerate your progress by identifying the one 'rate-limiting skill' to focus onThe psychological technique for overcoming your blocks to learningHow to avoid the biggest mistake when learning something new Show notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programFour factors trainingClick here to unlock the insiders training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In the final episode of their series on 'business as a vehicle for wealth' Ryan and Terry pull out their biggest take-homes from the interviews with each mentor. They also give some insight into their own journey into business and how they're applying the lessons learned in their own business.If you've been listening to the series on business and wondering 'what now?' this episode is all about turning insight into action and building confidence to try out ways to turn your ideas into income.Also in this episode:The idea that hit Ryan 'right between the eyes' and set him on the path to being in businessHow Ryan and Terry started the Cashflow co. in a way that allowed them to think long term without undue pressure.The two books that will make inaction and procrastination impossibleThe challenge you can use to build confidence and kick start your journeyShow notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programFour factors trainingClick here to unlock the insiders training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

One of the biggest reasons people don't bet on themselves and build a business is because of not knowing how to manage the finances of a business. There's a whole new set of rules, and complexities that come with running your own shop - and it's all on you. Kate Toon knows this all too well. And she also knows how to overcome it. Kate is one of Australia's most successful, well known online business owners. And in this episode, she comes on the show to share her journey from scared small business operator to savvy business owner.Also in this episode:Why Kate went into business for herself at 5 months pregnant - and how it played out.How she managed to crawl out from under a 50k tax bill in 12 months (and why it happened)The big decision that led to a gigantic spike in income two and eventually pushed her beyond the million-dollar markThe simple question she used to reframe her resistance to learning about money in her business.Show notesClick here to see notes on this show and all resources & links mentioned.Corporate programClick here to find out more about our workplace programFour factors trainingClick here to unlock the insiders training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this episode, Ryan and Terry talk about one of the most common ways we self sabotage ourselves when it comes to our finances. In what feels like a delicate dance between pain and pleasure, we tend to choose wrongly, and the cost is progress and ultimately success. If you feel like you have a clear goal and have been working hard without really getting anywhere, you need to give this episode a listen. Show notesClick here to see notes on this show and all resources & links mentioned. Corporate programClick here to find out more about our workplace programFour factors trainingClick here to unlock the insiders training.Private podcast communityClick here to get to know us better, debrief episodes and access our top 100 resources.Follow us on InstagramClick here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.  Other links 👇Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.