Share

cover art for 532 fix mortgage or keep variable, blending ETFs, offset accounts, feeling behind at 30 + more (live in Perth)

this is money

532 fix mortgage or keep variable, blending ETFs, offset accounts, feeling behind at 30 + more (live in Perth)

Season 5
โ€ข

Today's live Q&A is a mix of share investing and property questions sprinkled with some encouragement if you're feeling like you're not where you think you should be at financially or in other ways. Thanks for hanging out, Perth! Glen and John with the help of our tour partners and special guests chat about:


๐Ÿ‘‰๐Ÿพย is buying a 2nd property a good idea with rising interest rates?

๐Ÿ‘‰๐Ÿฟ wanting to invest while saving for a home

๐Ÿ‘‰๐Ÿป investing in multiple ETFs from different 'brands'

๐Ÿ‘‰ fixing part of your mortgage interest rate in the current market

๐Ÿ‘‰๐Ÿผ understanding asset allocation in relation to your goals

๐Ÿ‘‰๐Ÿฝ a fun discussion around what type of personal insurance you would choose if you could only pick one

๐Ÿ‘‰๐Ÿฟ I'm in my early 30s and feeling behind, how do I deal with this?ย 

๐Ÿ‘‰ reducing risk when investing in property interstate



Glen and Vince explain the First Home Super Saver Scheme: https://youtu.be/rDFXb_AcuU0


Learn more about TAL: https://bit.ly/tal-m3podcast and their approach to ESG: https://www.talourcontribution.com.au/


๐Ÿ›‘ Please read our disclaimer + warnings before listening to this episode


๐Ÿก Join the m3 facebook group


๐Ÿ’ธ Quick links to $20 off The Glen James Spending Plan, Glenโ€™s book & other resources


my millennial money is produced by SYMO interactive

More episodes

View all episodes

  • how to turn your customers into a loyal community with Paz Pisarski

    01:12:27
    A fast way to grow your business is by building and nurturing a loyal community. Special guest Paz Pisarski from The Community Collective joins Glen on the show to share how to get started. They touch on:๐Ÿ‘‰๐Ÿพ the difference between having an audience vs a community๐Ÿ‘‰๐Ÿฟ four things you need to start a community๐Ÿ‘‰๐Ÿป how to monetize your community๐Ÿ‘‰ how to scale your community without jeapardising the member experience๐Ÿ‘‰๐Ÿผ and Paz's story of how she co-founded The Community Collective, a community for community buildersLinks mentioned in the episode ๐Ÿ‘‡Should every business build a community?Community Cohortย ProgramThe Community Collective newsletterWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.
  • 721b HELP debt: what you need to know + link to free download

    47:44
    Let's chat about the need-to-know facts around HELP debt as it stands right now. Glen covers:๐Ÿ‘‰ how the indexation rate gets calculated, including the recent changes๐Ÿ‘‰๐Ÿผ compulsory repayments vs voluntary repayments๐Ÿ‘‰๐Ÿฝ repayment income thresholds๐Ÿ‘‰๐Ÿพ what defines 'repayment income'?๐Ÿ‘‰๐Ÿฟ do you pay more HELP debt when you salary sacrifice?๐Ÿ‘‰๐Ÿป key dates to know๐Ÿ‘‰ is it worth paying my HELP debt off?๐Ÿ‘‰๐Ÿฝ circumstances for deferring or not paying repayments๐Ÿ‘‰๐Ÿพ is there any way to freeze indexation due to not working?Download the HELP debt PDF we've put together here: https://www.thisis.money/helpdebtThanks to Skye Wealth for supporting our Thursday show! Connect with the team hereWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
  • 721 health to wealth: the 6 things to invest in

    01:08:47
    In today's episode Glen and John chat about investing in your health, relationships, career, shares, property and business plus their thoughts, tips and learnings for each.Pre-Order ๐Ÿ“˜ The Quick-Start Guide to Investing by Glen James & Nick Bradley ๐Ÿ‘‡Booktopia: https://booktopia.kh4ffx.net/6eYGeKAmazon: https://amzn.to/3QNNrbvGrab ๐Ÿ“˜ Attached by Amir Levine &ย Rachel Heller ๐Ÿ‘‡Booktopia: https://booktopia.kh4ffx.net/VmM4mAAmazon: https://amzn.to/3K54Fx8Thanks to Sphere Home Loans for supporting the Tuesday show! Need a mortgage broker? Connect with the team hereWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
  • 5 tips to help you through change, pricing your services & managing risks

    01:01:38
    In today's episode we're chatting about how to help your team navigate change with special guest Madeleine Babiolakis. Glen and Madeleine also talk about pricing your services and the challenges of being a business owner.Connect with Madeleine below:LinkedIn:ย https://www.linkedin.com/in/mbabiolakis/Website:ย https://shapeandimpact.comWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.
  • 720b low-cost high performance habits to be successful in your work, career & life

    01:03:11
    Being at the top of your game is one thing, but staying at the top is another! In today's episode Glen chats with performance dietician and high performance coach Jess Spendlove about some budget-conscious and powerful habits to adopt around your:๐Ÿ‘‰๐Ÿป nutrition๐Ÿ‘‰ sleep๐Ÿ‘‰๐Ÿผ movement๐Ÿ‘‰๐Ÿฝ and micro-recoveryCheck out Jess's podcast Stay at the Top wherever you're listening to this podcast!Links mentioned in the episode ๐Ÿ‘‡https://jessicaspendlove.com/recipe-ebook/https://jessicaspendlove.com/quiz/ย Thanks to Skye Wealth for supporting our Thursday show! Connect with the team hereWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
  • 2024 budget: our comments

    42:17
    Glen and John discuss last night's Federal Budget announcement in this bonus episode. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
  • 720 buying property with super, ethical investing, prioritising financial goals + more (live in Townsville)

    53:01
    In today's live episode recorded with our listeners in Townsville, Glen and John chat about:๐Ÿ‘‰๐Ÿพ buying property with your self managed super fund, is it a good idea?๐Ÿ‘‰๐Ÿฟ is it good to sell your shares when the market is volatile?๐Ÿ‘‰๐Ÿป ethical share investing๐Ÿ‘‰ how much to invest for the future vs putting it into starting a businessThanks to Sphere Home Loans for supporting the Tuesday show! Need a mortgage broker? Connect with the team hereWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
  • you must get a reward (money) for the risk you take

    01:07:42
    In today's episode Glen chats with Debbi who is at a crossroads in her career as a Pelvic Floor Physiotherapist and has questions about going self employed. Glen and Debbi discuss:๐Ÿ‘‰๐Ÿป how your self worth can affect your business and pricing๐Ÿ‘‰ juggling work & starting a family๐Ÿ‘‰๐Ÿผ being a price maker vs a price taker๐Ÿ‘‰๐Ÿฝ being non apologetic about making money๐Ÿ‘‰๐Ÿพ building a business that serves a want vs a need๐Ÿ‘‰๐Ÿฟ dealing with social anxiety and networkingWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.
  • 719b financial and romantic scams (a true crime story with Tracy Hall)

    01:27:23
    Last year, Australians lost more than $201.1 million to romance scams according to the National Anti-Scam Centre. Tracy Hall's relationship is one of the more well known ones, made famous by the hit podcast Who the Hell is Hamish? In one of our wildest episodes ever on this is money, Tracy shares how she was swindled out of $317,000 in life savings by one of Australia's most prolific con men, her journey to rebuilding financially and emotionally and how to protect yourself from a romance scam. Tracy has just released her new book, The Last Victim which shares the full story of what happened which you can find via the links below.๐Ÿ“˜ The Last Victim ๐Ÿ‘‡Booktopia: https://booktopia.kh4ffx.net/xkMqmOAmazon: https://amzn.to/3y3lPICThanks to Skye Wealth for supporting our Thursday show! Connect with the team hereWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as this is money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.