With all the COVID disruption, mortgage interest rates at never-before-seen lows, and the government splashing cash around left-right-and-centre, is now the right time to invest into Australian property? There’s no doubt many younger Aussies that have been feeling ‘priced out’ of the property market in Australia’s capital cities are now seeing an opportunity to buy their dream property while prices are soft. But, with all the disruption, it’s more important than ever to be smart when you buy property.   In this episode we cover property buying basics, how to set up a COVID-proof property buying plan, and how to manage risk when you buy property so you can do it all without the stress.   What you’ll learn: *Property basics and how to get into the market *How you can manage key risks when you buy property *The property buying process & how to make your property purchase go smoothly   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

In this episode, we answer the question, how the family guarantee can help you buy a property with no cash deposit. So this has come about because it's a question that I get asked quite a lot to see whether this sort of strategy could work for you.   Now, property is expensive to buy. The deposits are expensive and it's hard to get into the market. The family guarantee is a way that a lot of people can accelerate their ability to get into the property market, to, um, to hold onto more of their cash, to do that and to save a bunch of costs along the way. So I wanted to really unpack the key things that you need to understand, to assess whether this sort of strategy or process was right for you, and what the things were to be aware of. If you go in and go down this path and how you can manage the risk when it comes to using a family guarantee type strategies so that you don't run into trouble, we hope you enjoy it.     What you’ll learn: *How the family guarantee works and who it can be beneficial for *The key frameworks you need to be across to get this strategy right *How to manage risk when you use a family guarantee to avoid trouble   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

In this episode I talk about how to make it easier to stick to a money strategy. This is for once you've put together a bit of a plan when it comes to your money. As excited as I get when I'm working on plans for people, I know that a plan is actually only a tool to get the outcome and sticking to the plan is hard.   It's not only where the rubber hits the road in terms of what will actually make you money but it's also one of the most challenging things to do to actually stick to a plan that you've set. But there are certain things that you can do to make that easier so in this episode I talk through some of the hacks that you can leverage to make it easier to stick to the plan, the power of systems, understanding where risk is coming from, how the importance of a feedback loop when it comes to getting results as well as the key mistakes that people make so that you can avoid them.   What you’ll learn: *Hacks that make it easier to stick to a money plan *The three key money frameworks you can leverage to simplify your ongoing money management *The power of a feedback loop and how to leverage it to keep your motivation up while you work to big goals   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

In this episode, we answer the question, "Is now the right time to sell your tech company shares?" This is something that we've been getting asked a heap lately, and it's partly driven by the fact that tech company shares have been going through the roof in recent times.    High share prices coupled with the weaker Aussie dollar has led to a lot of people that work for technology companies that are getting their shares with these tech firms as part of their compensation to really question whether they should continue to ride the wave or how to actually make the money work for them.    So, in this session I cover the key things that you need to understand to answer that question. We talk a bit about the things you need to be clear on to put your assets and investments to work, as well as some of the mistakes that people make that can cost them money.    This session is really suitable for people that have a bunch of money in technology companies and specifically people that work for tech firms.     What you'll learn: *Media hype is to be avoided at all costs *There are many ways to be right *The things you need to be clear on to put your assets and investments to work   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

Want to build a second income through investing to create financial security, but overwhelmed with all the options and don’t know where / how to get started? Want to know what investments can help you escape the rat race so you don’t have to work forever, but finding that you still have that niggling thought at the back of your mind that’s stopping you from taking action?   In this session we lay out the most effective options you can use to build another income through investing. We help you understand what works and what doesn’t, so you can learn from other people’s mistakes to shorten your path to financial freedom.   This session is perfect for peeps that want to build another income from investing, are on top of their money, and have positive surplus savings above $2k monthly.      What you’ll learn: *What passive income actually means  *How to build a second income through investing *The sort of investments you can use to build investment income *How to avoid investment mistakes   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

Australia has one of the highest personal tax rates in the world, and it’s increasing every year. And you don’t want to pay more tax than you have to. The more tax savings you can find, the more money you have for investing, growing wealth and investments, or for your next holiday. With the new financial year comes new possibilities. But there’s so many different opinions out there when it comes to the things you can do to reduce your tax (legally), it’s hard to know who to listen to or who to trust… Your personal tax planning and deductions are super important, and can create some easy money. But the biggest area that drives your tax outcomes over time is what you invest your money into and how you go about investing. So in this session, we’re going to cover tax and investing and two parts of the same pie, breaking down how tax works, and then how tax works with different types of investments. Ultimately helping you build the knowledge so you can be smart with your personal tax, and get the best after tax returns when you invest. Please note: this session is centered around individual tax planning and will not get into tax planning for business owners.     What you’ll learn: *General tax overview and how the marginal tax rate system works in Australia *The most effective tax saving strategies and how to implement them *Some of the lesser known tax planning tools and how to use them to hold onto more of your income *How tax works with different types of investments, and how to invest in a tax smart way   Want to keep making the right money moves with complete confidence? Upcoming online training events: https://bit.ly/PivotEvents   Private one-on-one chat with a Pivot adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

The classic conundrum for someone looking to invest, do you buy property or do you buy shares? But choosing isn’t easy, there are so many mixed messages, conflicting points of view, and hidden agendas, it’s hard to know who to listen to and who to trust. But getting the answer right can help you accelerate your investment growth and be a big step toward creating financial freedom.    In this session we’re going to cover the advantages and disadvantages of investing in property, vs the benefits and risks of investing in shares. We’ll cover the key issues you need to be across so that when you invest you choose the best option for you.    This session is perfect for people that have some savings they want to invest, but don't know what the best investment option is for them.      What you’ll learn: *The advantages and disadvantages of investing in shares *The advantages and disadvantages of investing in property *How to decide whether investing in shares or property is the best option for you     Resources: 2018 Russell Investments/ASX Long Term Investment Report - https://bit.ly/2ZIYDMb     Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

Want to be smart with your money but struggling with information overload, struggling to find the right balance between getting ahead with money and living an epic lifestyle, and want to take action but need to make sure the move you’re thinking about isn’t going to be a dumb one that costs you a bunch of money?    In this session we’re diving deep into the top strategies you can use to make your money work harder for you. We’ll cover the sh!tty ones too so you know what to avoid. We’ll be getting a little technical, but you’ll walk away from this session with clarity on your next steps, which path might work for you, and how to get started.    This session is perfect for people that have a regular savings surplus, some time on their side to grow investments without taking huge / crazy risk, and that are prepared to put in some work to create success with money.   What you’ll learn: *The top money strategies that can get your money working harder for you *Some techniques to optimise your tax position and use the savings to grow your investments *The bad strategies to avoid that can cost you a bunch of money   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

Made a bunch of money from a tech startup, received a chunky inheritance, or just made a pile of cash from your work, but not sure how to make sure that money creates the financial freedom you want? A first world problem for sure, but a problem that needs solving nonetheless.    The problem is, the more money you have, the more options you have available to you. And, the bigger the numbers the scarier it can be to pull the trigger on big decisions / investments.    In this session we cover the key things you need to understand so you don’t screw up the massive opportunity the money you’ve got provides. We cover some of the common strategies people use to remain financially free, and the common mistakes people in this position make that can sabotage their success.    This session is perfect for people that are young and rich, and want to be smart when they make their money moves.      What you’ll learn: *The most effective money strategies that drive financial freedom *The common mistakes the young + rich make that slows down money progress *How to get clear on your real money priorities so you can make the smartest decisions   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

Not having clear goals can be one of the biggest barriers that stops people from taking action to get more out of their money. Only problem is, this inaction means you’re missing out on the opportunity to start getting results and building your money momentum. Wait too long to set your goals and get started, and before you know a huge amount of time has passed and you’re forced to make sacrifices. But there is a smarter way...   In this session we cover how goal setting is actually a process, not an action, and why that means everyone can start setting goals right now. We’ll talk about how you can make sure the goals you set are rock solid, and how to translate those goals into results.    This session is perfect for anyone that wants to motivate themselves to drive better money outcomes by focusing on what they’re really working towards.   What you’ll learn: *The process you can use to get started with goal setting, even if you don’t know what you really want or what’s possible *What makes a goal ‘good’ for you *How to bulletproof your goals so they translate into the results you want   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

In capital cities in Australia property is outrageously expensive, and affording your dream home is an expensive exercise. With the average cost of a four bedroom home in Sydney’s inner suburbs over $3m, it means you’ve got to be really smart with your strategy and put in some work to make it happen. But cracking the code means a huge amount of satisfaction, and creating intergenerational wealth for future generations.    In this session we cover the key strategies that allow you to buy your dream property without a crippling mortgage, or without using all your investments. We also cover what you can do once you’ve bought that home to again start creating serious momentum around your money.   This session is perfect for people that want to buy their dream home without shooting themselves in the foot, or sabotaging their other asset building and wealth creation plans.   What you’ll learn: *How to create a clear plan to purchase your dream home *How to ensure your purchase doesn’t leave you with a massive mortgage or no other assets *What next after buying your dream home to get back on the front foot with your money   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

If you own property already, using the ‘equity’ can be a smart way to accelerate your asset building and wealth creation, and build another income stream through investing. Only problem is it’s super confusing, scary, and if you don’t have a good risk management strategy in place it can be risky OR cost you a bunch of money.    In this session we bust myths around how ‘unlocking the equity’ in your property actually works, so you can understand if this strategy is one that can make you money. We’ll also talk about where risk comes from in this strategy and how you can manage it.    This session will help people that already own property that are prepared to take some considered risk to get ahead with money.    What you’ll learn: *How to calculate how much equity you might have available for investing *The different money strategies that equity can be used for *How to manage risk when you invest using equity *How to plan your investment building strategy     Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

No one teaches you how to be an adult, you’re just expected to pick it up somewhere along the way. What if you missed a few important steps; like how to be financially responsible, how to save for a house, how to taste wine, how to network effectively...the list goes on and on. This series is designed to teach you not only how to talk the talk, but actually walk the adult walk. Don’t be shy -- we’re all going through these growing pains together. Each workshop will have a different theme and speaker to help you feel confident in your adult-ing life.   What you’ll learn: *How credit cards work, credit risk and when and how to apply for your first credit card *Saving and budgeting skills *The basics of investing *How to get on top of insurance and superannuation, and why they are important   Resources: GA Finance 101 PDF: https://bit.ly/3eE8aJ9     Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

Australia has one of the highest personal tax rates in the world, and it’s increasing every year. Tax at some levels are important, but you don’t want to pay more tax than you have to, and the more tax savings you can find, the more money you have for investing, growing wealth and investments, or just for your next holiday.    And there’s so many different opinions out there when it comes to the things you can do to reduce your tax (legally). In this session, Pivot founder Ben Nash will cut through the noise and help you understand the key things to understand and think about so you can (legally) reduce your tax, plan smart with tax when you invest, and ultimately keep more of your hard earned cash.   This episode is designed to help anyone who wants to save tax dollars, but the higher your income the greater the opportunity.     What you’ll learn: *General tax overview and how the marginal tax rate system works in Australia *The most effective tax saving strategies and how to implement them *Some of the lesser known tax planning tools and how to maximise your money with them   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

After talking to a bunch of people I’ve found the fear of making a mistake is something that stops many from taking action. And fear is important because it stops us from doing something dumb and losing a bunch of money. But you have to do something or you’ll always be stuck in the same position…   So, in this episode, I cover the six biggest money mistakes we see and what you can do to avoid them. We help you learn from other people's mistakes so you can achieve your version of awesome with money faster and with less stress.   What you’ll learn: -The ‘right time’ fallacy and how it can cost you half your investment balance -How clarity and visibility can empower you to make smarter choices with confidence -When to go it alone and when to get good help -The Eisenhower principle and one of the biggest barriers to getting results -How a great investment can actually end up being a bad money move for you -Why choosing the best investment can be one of the biggest roadblocks to growing your investments   Pivot client advice alpha presentation: https://youtu.be/hz1lNomPXWA     Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

In this episode I talk about through what people are doing during COVID to make money, and how to take advantage of the current opportunities to accelerate your money momentum.   Money Breakthrough Session: https://calendly.com/ben-nash-pivot/breakthrough-covid   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

In this episode, we dive deep into the key things you need to be across to be smart with money during the COVID19 crisis.   Book a 'Breakthrough Session': https://calendly.com/ben-nash-pivot/breakthrough The session will help you take control and start building money momentum. You'll walk away with clarity on the three biggest things you can do to get ahead with your money; a list of the roadblocks/issues you need to clear to get real results; a customised resource pack to help build your money knowledge in the areas most relevant to you   How to be smart with money during COVID-19 PDF presentation: https://pivotwealth.com.au/wp-content/uploads/2020/05/200430-How-to-be-smart-with-money-during-COVID_compressed.pdf     Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

In this session we deep dive into employer share plans and how you can maximise the amount of money you make from them. Through the session we’ll help you get on the front foot and build a clear game plan about what to do with your employer shares to maximise your asset growth, and understand the most painful (and risky) mistakes people make with their employer share plans so you can avoid them.   Employer share schemes can be a great way to accelerate your asset building and wealth creation, but if you don’t have the right strategy in place they lead to one surprise tax bill after another, a bunch of frustration, confusion, and stress, and worst case you can end up running a heap of extra risk, which can cause you to suffer money setbacks and mistakes.   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

In this session, we cover how financial advice actually works, and what you need to look for so that when you get financial advice you can get the best possible outcomes, and translate that advice into dollars in your bank/investment account/holiday fund.   Money Smart link: https://moneysmart.gov.au/financial-advice/choosing-a-financial-adviser   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

In this episode, I answer questions around Government COVID-19 stimulus payments and how to maximise them, how people are investing now the sharemarket has dropped, how to avoid common investing mistakes and what first homebuyers are doing now around buying in the post COVID-19 world.   Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

In this episode, we talk about a common question that I get asked as a financial adviser which is "what are the key things that you need to do to be successful with money?". There is no one path that leads to financial success for everybody. I talk about the key areas that you need to get right to be successful with money, the frameworks that drive success in each of those areas, and the key questions that you need to ask and answer in order to achieve your version of financial success.     Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog  

In this episode, I talk about the recently announced Government stimulus package. I cover some of the areas of support that are provided, strategies you can use to maximise the benefits that are out there and how to get the best results from the stimulus measures.     Want to keep making the right money moves with complete confidence?   Upcoming online training events: https://bit.ly/PivotEvents   Book a Money Breakthrough Session with a Pivot Adviser: https://calendly.com/pivotwealth/breakthrough-2021   Free download of my Amazon best-selling book ‘Get Unstuck’: https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog