Down To Finance

First of all Merry Christmas and Happy New Year.In this part 2 of the superannuation Christmas specialExpect to learn How to merge two super accountsHow important is it to look at your super account fees5 tips for middle to low-income earners to get the most out of their superWhy are there specific super accounts for different work industries?How setting up the right superannuation account while you are young can make you millions!Hope you guys enjoy the holidays, same with the DTF crew, this will be the final episode for a couple of weeks while we go on break. But we will be back in the New Year so stay tuned on our socials as we still will be active throughout that period!Money In The NEWS - https://www.9news.com.au/motoring/nsw-number-1-vehicle-plate-heads-to-auction/8b4c5d75-2063-4347-9f11-2e343566b10fRecommended Book - https://www.amazon.com.au/Diary-CEO-Laws-Business-Life/dp/1529146518/ref=asc_df_1529146518/?tag=googleshopdsk-22&linkCode=df0&hvadid=649997435719&hvpos=&hvnetw=g&hvrand=15145409299334230219&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9071903&hvtargid=pla-2196113048076&psc=1&mcid=6fe9e271cce93b45b28fa80901af1b7dDTF Contact InfoDTF Instagram - https://www.instagram.com/downtofinancepodcast/DTF Email - Downtofinancepodcast@gmail.comDisclosure statementPlease be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

Superannuation Unwrapped // In this two-part seriesExpect to learn What even is super, is it a stock?Can you access your super before age 67What super fund should I be with?What super fund should I be with depending on my work industry?Can I lose all my money in super?URL Money In The News - https://www.theguardian.com/business/2023/nov/08/half-of-australia-left-without-internet-or-phone-as-optus-crashesRecommended Book - https://www.amazon.com.au/Diary-CEO-Laws-Business-Life/dp/1529146518/ref=asc_df_1529146518/?tag=googleshopdsk-22&linkCode=df0&hvadid=649997435719&hvpos=&hvnetw=g&hvrand=15145409299334230219&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9071903&hvtargid=pla-2196113048076&psc=1&mcid=6fe9e271cce93b45b28fa80901af1b7dDTF Contact InfoDTF Instagram - https://www.instagram.com/downtofinancepodcast/DTF Email - Downtofinancepodcast@gmail.comDisclosure statementPlease be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

From dropping out of high school and pursing a career as a spray painter to now working as a financial broker and co-founder of his company Aureus Financial, Sam has worked with hundreds of clients to pursue their own lifestyle dreams and financial goals. Sam began his own investment journey at the ripe age of eighteen when he put his first deposit down on a home. Since then, Sam has studied economics, accounting, and property, and through his knowledge has accumulated a substantial investment portfolio incorporating real estate, managed funds and stakes in high-performing Australian businesses.Expect To Learn How can young people strike a balance between enjoying life in the present and planning for their financial future?Is your 20s fundamental in setting the foundations for future wealth? Or is it more a trial era of your life?What are some potential financial mistakes that young people should be aware of, and how they can avoid them?What Sam recommends for adolescents wanting to begin their investing journey but don't know exactly where to start?URL Sams Insta - https://www.instagram.com/sampanetta_/?utm_source=ig_web_button_share_sheet&igshid=OGQ5ZDc2ODk2ZA==Sams Website - https://www.aureusfinancial.com.au/Sam podcast - https://open.spotify.com/show/6cg0FN46XdSwRkcqcY4Qsa?si=225759615c164d98Sams Recommended book - https://www.amazon.com.au/Enjoy-Journey-Creating-Wealth-Living-ebook/dp/B0797DMZBD // https://www.amazon.com.au/Principles-Life-Work-Ray-Dalio/dp/1501124021DTF Contact InfoDTF Instagram - https://www.instagram.com/downtofinancepodcast/DTF Email - Downtofinancepodcast@gmail.comDisclosure statementPlease be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

Following on from our Part 1 Tax Episode where we learned what tax is and why we pay it, we jump straight back under the covers to discuss how to lodge a tax return.Expect to learn:Our 5-step process when lodging a tax returnWork-related deductions you could claimWhy your income statement is so importantTiming SegmentsHow to lodge a tax return -1min 30secHow Jake and Callum lodged a tax return - 3min 30secHow the government knows how much tax you pay - 4min 04secTax rates under 18 years old - 9min 40secThe tax you pay as a minor who has left school or full-time worker - 11min 50secMoney in the news - 12min 33secDeductions - 14 min 12 sec5-step guide to lodging a tax return - 24 Min 30 secRecommended book - 32 min 30 SecURLATO - https://my.gov.au/en/about/help/mygov-website/link-services-to-your-account/link-the-australian-taxation-officeDeductions you can claim - https://www.ato.gov.au/individuals/income-deductions-offsets-and-records/deductions-you-can-claim/Money in the news - https://www.accc.gov.au/consumers/petrol-and-fuelRecommended book - https://www.aureusfinancial.com.au/enjoy-the-journey/Contact InfoEmail - Downtofinancepodcast@gmail.comInstagram - DowntofinancepodcastDisclosure statementPlease be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

Upsetting the Taxman isn't a good thing. In this two-part series, we discuss how to stay off his radar by providing you with everything you need to know about tax. Expect to learn:What tax is and why a Tax File Number is so important?The domino effect?If I have two jobs do I pay more tax?Is it worth claiming the tax-free threshold?Timing segments What tax is all about - 3.40What is a TFN - 9.13Tax brackets- 10.45Tax-free threshold - 13.20Money in the news - 18.00Different types of taxes - 20.30Recommended book - 29.00URLATO - https://my.gov.au/en/about/help/mygov-website/link-services-to-your-account/link-the-australian-taxation-office2023 - 2024 tax brackets - https://www.industrysuper.com/understand-super/tax-and-super/tax-brackets/Money in the news - https://frontofficesports.com/saudi-arabia-reportedly-offers-1-1-billion-for-kylian-mbappe/Recommended book - https://www.amazon.com/Cant-Hurt-Me-Master-Your/dp/1544512287// https://www.amazon.com.au/Enjoy-Journey-Creating-Wealth-Living-ebook/dp/B0797DMZBDContact InfoEmail - Downtofinancepodcast@gmail.comInstagram - DowntofinancepodcastDisclosure statementPlease be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

First base can be daunting, however after listening to part one "The Savings Blueprint" we hope you have built up the courage to open a savings account and move on to today's episode, the Secrets Behind The Savings Playbook 'Second Base'. Expect to learn;How a savings plan can help you strike a balance between your savings goals and daily lifestyle by providing a structureWhat an emergency fund is, and how it can act as your sugar mommy/daddy!Tips and Tricks that will earn and save you some extra cash for your second dateHopefully from this episode, you feel comfortable moving on from second base! If that is the case we would really appreciate it if you rate our show on all streaming platforms as well as follow us on Instagram. Timing segments Savings structure - 3.24Emergency fund - 15.05Money in the news - 21.05Tips and Tricks - 23.00Recommended book - 35:50Url Canstar "high-interest accounts" - https://www.canstar.com.au/savings-accounts/My 7-11 "fuel lock" - https://www.7eleven.com.au/my-7-eleven.htmlMark vs. Elon - https://www.cnbc.com/2023/08/14/mark-zuckerberg-calls-off-elon-musk-cage-match.html#:~:text=Less%20than%20two%20months%20after,I%20offered%20a%20real%20date.Equity Mates 'Get Started Investing' book - https://equitymates.com/get-started-investing/Spenditude - https://www.amazon.com.au/Spenditude-Life-changing-Attitude-Paul-Gordon/dp/0730372030Contact infoEmail - Downtofinancepodcast@gmail.comInstagram - downtofinancepodcastDisclosure statementPlease be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances

After 6 months in the friend zone, it's time to finally get down to it and reveal our little secret. Callum and Jake are stoked to announce the release of our new Podcast 'Down To Finance'. In our first episode "The Savings Blueprint", you are introduced to Jake and Callum where we discuss:Why and how we became interested in finance as well as our current financial situationHow we met and why we became partnersHow our parents had an influence on our ability to save as well as kickstart our investing journeyEveryone starts from the beginning, however, how many people start in the right place? Whether you are working, studying or enjoying life, having a basic money foundation when it comes to savings is an important first step when addressing your finances. That is why this episode breaks down the foundations of savings and in doing so, compares the current interest rates the major banks have to offer as well as their terms and conditions.To contact DTF Instagram - downtofinancepodcastEmail - downtofinancepodcast@gmail.comTiming segments0 -15 minutes - Callum and Jake's back story15-30 minutes- Building savings foundations30 minutes - Money in the news brake34 minutes - Book recommendationUrl LinksCurrent interest rates - https://www.finder.com.au/savings-accounts/high-interest-rates-accounts?futm_medium=cpc&futm_source=google&futm_campaign=1654081669~67488803230&futm_term=savings%20accounts%20finder~e~g&futm_content=~~Cj0KCQjw0vWnBhC6ARIsAJpJM6f9xnldT2HxEhQijYAhK84_80EHlAKZ2PQHaODZS9cFUmoClXU2hJ0aAmzWEALw_wcB~&gclid=Cj0KCQjw0vWnBhC6ARIsAJpJM6f9xnldT2HxEhQijYAhK84_80EHlAKZ2PQHaODZS9cFUmoClXU2hJ0aAmzWEALw_wcBING Savings account - https://campaigns.ing.com.au/everyday-banking?cid=ps:goo:gadw:ing-oe-AmandaAI-Brand:e:ing&gad=1&gclid=Cj0KCQjw0vWnBhC6ARIsAJpJM6f9LG39_QBTP5qS5cBGpMno8am6lLovbQQOipAE7eSC7h5kJsWtyVQaAuOyEALw_wcB&gclsrc=aw.dsApple VR Headset - https://www.tomsguide.com/news/apple-vr-and-mixed-reality-headset-release-date-price-specs-and-leaksBarefoot Investor (recommended book) - https://www.barefootinvestor.com/Disclosure statementPlease be aware that we are not financial advisors and the content presented in our show "Down to Finance" is intended for educational purposes only. Any information, insights or opinions that are shared on the show are not to be construed as financial advice. We strongly recommend consulting with a qualified financial professional before making any financial decisions. Your financial situation and goals are unique, and professional guidance is essential in order to address your specific needs and circumstances.