Money Rules OR Money Rules

Most Australians were told to save. Nobody ever said when to stop. Alex McBain sits down with Vision Wealth Strategies advisers Ashleigh Dodt and Luke Kaprilian to work through what saving actually does, the cost it quietly carries, and why investing brings risks of its own worth understanding. Emergency buffers, diversification, risk profiles, crypto, ETFs, and the difference between a loss on paper and a real one. An educational conversation about the point where saving alone stops doing the job, and what people weigh up when they get there.
 
Key Takeaways:
The combination of saving and investing provides a comprehensive framework for financial security and wealth-building, as savings serve immediate needs and investments cater to long-term growth.
Understanding and aligning investments with personal risk profiles is essential, as it helps in making informed decisions that suit one's financial goals and comfort levels.
Investing early, even with small amounts, can result in significant long-term benefits, with compounding potentially leading to much higher returns than regular savings accounts.
While social media can be a resource for investment strategies, it’s crucial to verify information through reliable sources to avoid risky and poorly informed financial decisions.
Financial advisors offer invaluable guidance by helping individuals identify their risk tolerance, manage emotions around investments, and stay focused on long-term objectives.
Notable Quotes:
"Savings and investing both work together. Savings act as our emergency buffer, while investing is really thinking about your future self and long-term goals." – Ashleigh Dodt
"The biggest issue that I have with saving alone is that saving itself is inherently risky if you're not considering opportunity costs and inflation." – Luke Kaprilian
"Time in the market beats timing the market. People need to get past their fear and perhaps get comfortable with the idea of investing early on." – Luke Caprilian
"Don't let the time that’s gotten away prevent you from investing. It's never too late to start, especially as life moves to different stages." – Ashleigh Dodt
"We manage the person, someone else manages the investments. Financial advisors help with emotional decisions and getting more out of you for better returns." – Luke Kaprilian
 
Follow Luke Caprilian on Insta: @adviserlk
Reach out to us at: https://visionws.com.au/
Host: Alex McBain from Vision Property and Finance: https://visionpf.com.au/our-team/alex-mcbain/
Want to reach out to today's guest speaker or have any questions? Contact Vision Wealth Strategies: https://visionws.com.au/contact-us/
Find our podcast on your podcast platform: 
Apple Podcasts: https://podcasts.apple.com/au/podcast/money-rules-or-money-rules/id1650489113
Spotify: https://open.spotify.com/show/1mqGk8FqvoCo6c8ZLAVrzB?si=807fe54e52364275
Youtube:  https://www.youtube.com/channel/UCiwsdMvfyPHpdXp1mSOFyFw
Find Us On:  
Facebook: Vision Wealth Strategies | Mount Hutton NSW
Instagram: https://www.instagram.com/visionwealthstrategies/
LinkedIn: linkedin.com/company/vision-wealth-strategies
YouTube: https://www.youtube.com/@VisionWealthStrategies
TikTok: https://www.tiktok.com/@visionwealthstrategies
Website: https://visionws.com.au/
The information in this podcast is general in nature only. It neither represents nor is intended to be specific advice on any particular matter, and has been prepared without taking into account your objectives, financial situation or needs. Before acting on anything discussed, consider whether it is appropriate for your circumstances and seek appropriate professional advice. FNP Solutions Pty Ltd (ABN 87 156 409 531) trading as Vision Wealth Strategies is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049), AFSL and Australian Credit Licence No. 236523.

Owning a home has long been the marker of getting ahead in Australia. But is it still? Alex McBain sits down with two voices from Vision on opposite sides of the question: one who bought in 2001, one renting now. They work through what the numbers look like week to week, why stability matters more than most people admit, and what the gap between rent and repayments could be doing instead. A current conversation about a decision most Australians are weighing, and the question underneath it: are you actually behind?
 
Key Takeaways:
Renting versus buying is a complex decision that depends on individual financial goals and life circumstances.
Cultural differences between countries, such as Canada and Australia, influence perceptions of homeownership.
The decision to buy property should factor in not just the purchase price, but also maintenance and stability benefits.
Young professionals should focus on building a solid financial foundation before deciding to start a family or buy a home.
Financial advise can offer crucial insights into making informed decisions about renting versus buying in today's economy.
Notable Quotes:
"Is buying or owning a house still what we should consider the financial goal for most Australians today?" – Alex
"Owning property was definitely happening younger back then, but purchasing was entry-level." – Hamish
"We seem to measure success here based on if you own a home." – Tyler
"Homeownership forces you into that discipline of making a repayment each week." – Hamish
"There are other avenues of investment that aren't just the property." – Tyler
 
Reach out to us at: https://visionws.com.au/
Host: Alex McBain from Vision Property and Finance: https://visionpf.com.au/our-team/alex-mcbain/
Want to reach out to today's guest speaker or have any questions? Contact Vision Wealth Strategies: https://visionws.com.au/contact-us/
Find our podcast on your podcast platform: 
Apple Podcasts: https://podcasts.apple.com/au/podcast/money-rules-or-money-rules/id1650489113
Spotify: https://open.spotify.com/show/1mqGk8FqvoCo6c8ZLAVrzB?si=807fe54e52364275
Youtube:  https://www.youtube.com/channel/UCiwsdMvfyPHpdXp1mSOFyFw
Find Us On:  
Facebook: Vision Wealth Strategies | Mount Hutton NSW
Instagram: https://www.instagram.com/visionwealthstrategies/
LinkedIn: linkedin.com/company/vision-wealth-strategies
YouTube: https://www.youtube.com/@VisionWealthStrategies
TikTok: https://www.tiktok.com/@visionwealthstrategies
Website: https://visionws.com.au/
The information in this podcast is general in nature only. It neither represents nor is intended to be specific advice on any particular matter, and has been prepared without taking into account your objectives, financial situation or needs. Before acting on anything discussed, consider whether it is appropriate for your circumstances and seek appropriate professional advice. FNP Solutions Pty Ltd (ABN 87 156 409 531) trading as Vision Wealth Strategies is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049), AFSL and Australian Credit Licence No. 236523.

Welcome back to the Money Rules or Money Rules podcast! 
In this episode, our host Stephen Logan and co-host Hamish Ferguson chat with Newcastle local and driven entrepreneur, James Thompson, 
James—a dedicated husband, father of two, and marketing professional with a passion for community engagement—opens up about the discipline of balancing people, politics, and priorities across both his personal and professional life. Alongside his marketing career, James is actively involved in politics as a member of a major political party.
Tune in for an inspiring conversation on navigating multiple roles and making an impact in the community.
  
*This material has been prepared for general information purposes only and not as specific advice to any particular person.* 
  
Reach out to us at: https://helpmywealth.com.au/contact/ 
Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au  
Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au 
Want to reach out to today's guest speaker or have any questions? Contact Help My Wealth: https://helpmywealth.com.au/contact/ 
Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth 
Find Us On:  
Facebook: https://www.facebook.com/HMWealth  
Instagram: https://www.instagram.com/helpmywealth/  
LinkedIn: https://www.linkedin.com/company/help-my-wealth/  
YouTube: https://www.youtube.com/@helpmywealth  
TikTok: https://www.tiktok.com/@helpmywealth  
Website: https://helpmywealth.com.au/ 

Welcome back to the Money Rules or Money Rules podcast! 
Join our hosts Hamish Ferguson and Stephen Logan for their insightful talk with this week's guest, Murray Guest - and no, that's not a pun. Murray is a certified Gallup Coach from CliftonStrengths, which involves strength-based development in individuals and teams.
This unique spin on coaching focuses on what you're naturally good at and how to make that skillset brilliant - as opposed to trying to fix your weaknesses. Murray advocates that this style of improvement is a fantastic tool to knowing oneself better; learning your capabilities and motivations in life go a long way to helping your productivity, results and overall wellbeing!
This episode follows significant topics such as self value, life experiences, natural talent and a funny discussion over first jobs.
 
  
*This material has been prepared for general information purposes only and not as specific advice to any particular person.* 
  
Reach out to us at: https://helpmywealth.com.au/contact/ 
Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au  
Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au 
Want to reach out to today's guest speaker or have any questions? Contact Help My Wealth: https://helpmywealth.com.au/contact/ 
Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth 
Find Us On:  
Facebook: https://www.facebook.com/HMWealth  
Instagram: https://www.instagram.com/helpmywealth/  
LinkedIn: https://www.linkedin.com/company/help-my-wealth/  
YouTube: https://www.youtube.com/@helpmywealth  
TikTok: https://www.tiktok.com/@helpmywealth  
Website: https://helpmywealth.com.au/ 

Welcome back to the Money Rules or Money Rules podcast! 
On today’s episode, we dive into the uncertainty surrounding making big financial decisions. Should you, or shouldn’t you? If you ask our guest, Greg Edwards, he’d tell you to just do it! Greg was a mentor to our co-host Hamish, when even he was just a fledgling entrepreneur navigating the world of self-employment! Greg believes that life doesn't give free hand outs, and that people get what they work hard to achieve. Follow Stephen Logan, Hamish Ferguson and Greg Edwards to learn about an insightful mindset developed through multiple generations and transform it to shape your own success.  
  
*This material has been prepared for general information purposes only and not as specific advice to any particular person.* 
  
Reach out to us at: https://helpmywealth.com.au/contact/ 
Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au  
Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au 
Want to reach out to today's guest speaker or have any questions? Contact Help My Wealth: https://helpmywealth.com.au/contact/ 
Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth 
Find Us On:  
Facebook: https://www.facebook.com/HMWealth  
Instagram: https://www.instagram.com/helpmywealth/  
LinkedIn: https://www.linkedin.com/company/help-my-wealth/  
YouTube: https://www.youtube.com/@helpmywealth  
TikTok: https://www.tiktok.com/@helpmywealth  
Website: https://helpmywealth.com.au/ 
 

Welcome back to the Money Rules or Money Rules podcast!
Today, we meet with John Gilbert, Lake Macquarie Mayoral Candidate, to dive deep into the importance of Local Council. John has been on council from 2016 to 2021. After having a break, he's found the desire to get back into it and is now running for Mayor in 2024. 
Why do we need so many layers of Government and what goes on from a local council point of view? Get ready to unpack this and more in today's episode. 
Who is John Gilbert? John has been married for 35 years, has 5 children and has lived in Lake Macquarie all his life. "It's too good to leave and its a great place to raise your kids". John describes himself as a creature of habit. 
 
*This material has been prepared for general information purposes only and not as specific advice to any particular person.*
 
Reach out to us at: https://helpmywealth.com.au/contact/
Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au 
Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au
Want to reach out to today's guest speaker or have any questions? Contact Help My Wealth: https://helpmywealth.com.au/contact/
Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth
Find Us On: 
Facebook: https://www.facebook.com/HMWealth 
Instagram: https://www.instagram.com/helpmywealth/ 
LinkedIn: https://www.linkedin.com/company/help-my-wealth/ 
YouTube: https://www.youtube.com/@helpmywealth 
TikTok: https://www.tiktok.com/@helpmywealth 
Website: https://helpmywealth.com.au/ 

Welcome back to the Money Rules or Money Rules podcast!
Today, Dr Jonathan Mansfield, a UON graduate and family man, with an extensive background in the finance industry. Dr Mansfield and Hamish will be diving deep into a credit score, and how it can impact your ability to obtain a bank loan. In this information rich episode, we will cover:
- The evolution of Credit Profiling legislation
- How financers at credit reporting
- What an optimal credit file should look like.
- The difference between poor "finance" and "good" finance
Tune in now for this unmissable episode!
*This material has been prepared for general information purposes only and not as specific advice to any particular person.*
Reach out to us at: https://helpmywealth.com.au/contact/
Host: Stephen Logan from Logan Property Group: https://www.loganpropertygroup.com.au 
Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au
Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/
Watch the podcast video: https://youtu.be/tPX83QlJ8Lg
OR
Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth
Find Us On: Facebook: https://www.facebook.com/HMWealth 
Instagram: https://www.instagram.com/help_my_wealth/ 
LinkedIn: https://www.linkedin.com/company/help-my-wealth/ 
Website: https://helpmywealth.com.au/ 
YouTube Channel: https://www.youtube.com/channel/UCAal5emLA8g4KlCpS3HcMmA

Welcome back to the Money Rules or Money Rules podcast!
Today, mortgage expert Matt Ivers is here to dispel the myths around getting a second mortgage and expose the positive effects it can have on your existing repayments. Join Matt and host Stephen Logan as they delve into the world of property investment hacks and how they can help homeowners achieve their goals of paying off their mortgage sooner. 
*This material has been prepared for general information purposes only and not as specific advice to any particular person.*
Reach out to us at: https://helpmywealth.com.au/contact/
Host: Stephen Logan from Logan Property Group : https://www.loganpropertygroup.com.au Co-host: Hamish Ferguson from Vision Property and Finance: https://visionpf.com.au Contact Help My Wealth to reach out to this episode's guest speaker or if you have any questions for us: https://helpmywealth.com.au/contact/
Watch the podcast video: https://youtu.be/ETsp-DHseVA
OR
Find our podcast on your podcast platform: https://podcasters.spotify.com/pod/show/helpmywealth
Find Us On: Facebook: https://www.facebook.com/HMWealth Instagram: https://www.instagram.com/help_my_wealth/ LinkedIn: https://www.linkedin.com/company/help-my-wealth/ Website: https://helpmywealth.com.au/ YouTube Channel: https://www.youtube.com/channel/UCAal5emLA8g4KlCpS3HcMmA