Why Saving Isn’t Enough: Start Investing to Buy Your Freedom

Money, Anxiety & Your Relationships (with Dr Esa)

Ep 99 - Money, Anxiety & Your Relationships (with Dr Esa) Australians are more anxious than they were during the pandemic. Money pressure is a big part of why. Half of us say cost of living has hit our relationships. One in five say they've developed anxiety or depression they didn't have before. So what do we actually do about it? This week, Dr Esa Hukkinen [https://www.coachesa.com.au] joins us to unpack the link between money, anxiety and the people we love. We get into why blame creeps into couples' finances, why a sense of agency changes everything, and the difference between fear and anxiety. Then we land on what actually helps: a plan, a system, and a support team around you. If money has been weighing on you or your relationship lately, this one's for you. Mentioned: * ABS National Study on Mental Health and Wellbeing (2020-22) * Western Sydney University: Locus of control and wellbeing study * Dr Esa: www.coachesa.com.au [http://www.coachesa.com.au/] 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback [http://www.waymakerfinance.com.au/podcast/feedback] Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au [http://waymakerfinance.com.au/] 👉 Follow us on Instagram: @waymakerfinance [https://instagram.com/waymakerfinance] IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor [https://waymakerpodcast.com.au/] that's tailored to your goals and situation Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au [http://www.waymakerfinance.com.au/] 🎙 Recorded using Riverside.fm [http://riverside.fm/]

Rates Are Up. Here's What To Do

Ep 98. Rates are up, fuel prices are climbing, and budgets are feeling the pressure. Archie, Tim and Lachy discuss how to stay calm and adjust your cash flow without hitting the panic button. In this episode: * Why Archie's seen this before — and what the 80s can teach us about today's cost pressures * The budget categories taking the biggest hit right now (and where to look for cuts) * Why thinking in percentages beats tracking dollars * How to use a volatile season to reset and refocus your financial goals CORRECTION: We're on Season 5 not 4 (Lachy can't count lol) 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback [http://www.waymakerfinance.com.au/podcast/feedback]   Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!):  waymakerfinance.com.au [https://waymakerfinance.com.au/] 👉 Follow us on Instagram: @waymakerfinance [https://instagram.com/waymakerfinance] IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor [https://waymakerpodcast.com.au/] that’s tailored to your goals and situation Presented by Waymaker Finance 🇦🇺  & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au [https://www.waym.com.au/] 🎙 Recorded using Riverside.fm [https://riverside.fm/?utm_campaign=campaign_1&utm_medium=affiliate&utm_source=rewardful&via=wm]

What Worked In 2025 & How to Win in 2026

Ep 97. Archie, Tim and Lachy discuss what they learned in 2025 helping Aussies have finances that work. Tune in for this lighthearted and inspiring discussion to wrap up this year! Thanks for listening to Mind Over Money (Season 4) in 2025. We've almost hit 10,000 downloads. We appreciate you all! ❤️  Love the show? Please Subscribe! Leave a rating or review! 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback [http://www.waymakerfinance.com.au/podcast/feedback]   Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!):  waymakerfinance.com.au [https://waymakerfinance.com.au/] 👉 Follow us on Instagram: @waymakerfinance [https://instagram.com/waymakerfinance] IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor [https://waymakerpodcast.com.au/] that’s tailored to your goals and situation Presented by Waymaker Finance 🇦🇺  & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au [https://www.waym.com.au/] 🎙 Recorded using Riverside.fm [https://riverside.fm/?utm_campaign=campaign_1&utm_medium=affiliate&utm_source=rewardful&via=wm]

ENCORE: Who's In Your Financial Community?

ENCORE (of Ep 52)  Tim, Lachy and Archie discuss communities, how they affect our finances, and why we need experts in our financial community.  Do you have any of these professionals in your community?  * Financial advisors? * Accountant? * Insurance specialist? * Mortgage Broker? * Buyers Advocates? * Credit Specialists?  * Share Brokers?  * Business Brokers? * Solicitors?  * Tik Tok professionals? (just kidding!)  👉 Follow us on Instagram: @waymakerfinance [https://instagram.com/waymakerfinance] ❤️  Love the show? Leave a rating or review! 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback [http://www.waymakerfinance.com.au/podcast/feedback]   Talk to a Waymaker Advocate or Mortgage Broker:  waymakerfinance.com.au [https://waymakerfinance.com.au/] IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor [https://waymakerpodcast.com.au/] that’s tailored to your goals and situation Presented by Waymaker Finance 🇦🇺   & hosted by Lachlan Nicolson and Archie Franz. www.waymakerfinance.com.au [https://www.waym.com.au/] 🎙 Recorded using Riverside.fm [https://riverside.fm/?utm_campaign=campaign_1&utm_medium=affiliate&utm_source=rewardful&via=wm]

Why Saving Isn’t Enough: Start Investing to Buy Your Freedom

Ep 95. It’s great to save money – but saving alone won’t help you achieve your goals. In this episode of Mind Over Money, Lachy, Archie, and Tim unpack the mindset shift from saving to investing, and why it’s essential for having income throughout your life.  We explore: * The power of compounding: what $10K per year (just $192 a week) could grow into over 40 years at 8% return * Why most Aussies don’t really save — they just delay spending * How cars, homes, groceries and entertainment offer hidden savings that can be redirected into investments * Why starting early matters — and how small, consistent habits create big results Free resource: 25 Ways to Save and Invest Money [http://waymakerfinance.com.au/ways-to-save-money] Play with the investment calculator: waymakerfinance.com.au/calculators/investment [https://waymakerfinance.com.au/calculators/investment] ❤️  Love the show? Please Subscribe! Leave a rating or review! 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback [http://www.waymakerfinance.com.au/podcast/feedback]   or email podcast[@]waymakerfinance.com.au Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!):  waymakerfinance.com.au [https://waymakerfinance.com.au/] 👉 Follow us on Instagram: @waymakerfinance [https://instagram.com/waymakerfinance] IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor [https://waymakerpodcast.com.au/] that’s tailored to your goals and situation Presented by Waymaker Finance 🇦🇺  & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au [https://www.waym.com.au/] 🎙 Recorded using Riverside.fm [https://riverside.fm/?utm_campaign=campaign_1&utm_medium=affiliate&utm_source=rewardful&via=wm]