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909b how to stop overspending, passive vs active funds & advice for your 20s (live from Auckland)

Season 9
โ€ข

In this special live episode from Auckland, Glen answers money questions from the audience about housing, investing and life decisions that shape your financial future. The episode covers:


๐Ÿ‘‰๐Ÿผ is not owning a house in retirement a big deal anymore?

๐Ÿ‘‰๐Ÿฝ how can I lower my mortgage if I don't have many spare funds

๐Ÿ‘‰๐Ÿพ passive vs active investing

๐Ÿ‘‰๐Ÿฟ what would Glen's perfect day look like

๐Ÿ‘‰๐Ÿป Glen's thoughts on the best investment in your 20s

๐Ÿ‘‰ some mini money interviews with Paige & Brent


Active funds vs index benchmarks: https://www.spglobal.com/spdji/en/research-insights/spiva/


ย ๐Ÿ“˜ Attached byย Amir Levine &ย Rachel Heller: https://amzn.to/40H0fER


Want to be a guest on the show? Apply here! https://www.moneypodcast.com.au/apply-to-come-on-the-show


Watch money money money on Youtube: https://www.youtube.com/@m3.podcast


Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/store


money money money is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au


We 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

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    01:15:33||Season 9
    Learn to invest with our award-winning investing book, The Quick-Start Guide to Investing: https://www.investingbook.com.au/This economic update with Brian Parker, Chief Economist at ART was recorded on 10 April, 2026.This episode is brought to you by Australian Retirement Trust. They're the super fund helping over 2.4 million Aussies awaken their super, because you could be sitting on a big blue monster. Consider the PDS and TMD before deciding. Learn more at art.com.au.money money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auApply to be a guest! https://www.moneypodcast.com.au/apply-to-come-on-the-show๐Ÿก Join our Facebook community: https://bit.ly/m3fbgroupWatch us on Youtube: https://www.youtube.com/@m3.podcastCheck out all our show resources: https://www.moneypodcast.com.au/mmmshownotesThis content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donโ€™t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
  • 915 the unofficial income guide: what mmm listeners actually earn

    37:41||Season 9
    Learn to invest with our award-winning investing book, The Quick-Start Guide to Investing: https://www.investingbook.com.au/Earlier in the year, we surveyed our community about their incomesโ€ฆ and today, weโ€™re finally revealing the results. Some of the numbers might surprise you (or mess with your head a little)! Glen is joined by Emily Bowen, General Manager at Boldside to unpack the data and 7 ways to increase your income. Download the Unofficial Income Guide here:https://www.moneypodcast.com.au/unofficial-income-guideThey touch on:๐Ÿ‘‰๐Ÿผ what sparked the survey๐Ÿ‘‰๐Ÿฝ age, location and industry breakdown๐Ÿ‘‰๐Ÿฟ income & work satisfaction snapshot๐Ÿ‘‰ work arrangement breakdown๐Ÿ‘‰๐Ÿป you don't need a degree to earn big!๐Ÿ‘‰๐Ÿพ what drives people at work?๐Ÿ‘‰๐Ÿผ career breaks, impact and desire for flexibility๐Ÿ‘‰๐Ÿฝ what does $200k+ actually look like?๐Ÿ‘‰๐Ÿฟ part time doesn't mean low income๐Ÿ‘‰ 7 ways to increase your incomemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auApply to be a guest! https://www.moneypodcast.com.au/apply-to-come-on-the-show๐Ÿก Join our Facebook community: https://bit.ly/m3fbgroupWatch us on Youtube: https://www.youtube.com/@m3.podcastCheck out all our show resources: https://www.moneypodcast.com.au/mmmshownotesThis content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donโ€™t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
  • the 10 questions with Frances Cook

    10:35||Season 9
    In this episode, Frances Cook host of the Making Cents podcast joins Glen to answer some quickfire money questions!๐Ÿ‘‰๐Ÿพ what makes a successful investor?๐Ÿ‘‰๐Ÿฟ invest in Kiwi Saver or not and why?๐Ÿ‘‰๐Ÿป extra money into mortgage or invest?๐Ÿ‘‰ what do you think is the biggest barrier to people investing?๐Ÿ‘‰๐Ÿผ do you have to be smart to be good with money?๐Ÿ‘‰๐Ÿฝ how do you define success and have you achieved it?๐Ÿ‘‰๐Ÿผ how do you know when you've financially made it?๐Ÿ‘‰๐Ÿพ one line on your tombstone, what would it be?๐Ÿ‘‰๐Ÿผ if you had a spare $10,000 what would you do with it?๐Ÿ‘‰ what's been your best investment to date?๐Ÿ‘‰๐Ÿป what are you currently reading, watching or listening to?๐Ÿ‘‰๐Ÿผ what's one book you would recommend to become a better investor?The Quick-Start Guide to Investing by Glen James & Nick Bradley: https://www.investingbook.com.au/Your Money, Your Future by Frances Cook: https://amzn.to/4caYaGvmoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auApply to be a guest! https://www.moneypodcast.com.au/apply-to-come-on-the-show๐Ÿก Join our Facebook community: https://bit.ly/m3fbgroupWatch us on Youtube: https://www.youtube.com/@m3.podcastCheck out all our show resources: https://www.moneypodcast.com.au/mmmshownotesThis content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donโ€™t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
  • 914b wwgd: 3 properties, young kids, working part-time & what next?

    55:49||Season 9
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  • 914 mortgage update (fix or stay variable, IO extensions, bridging loans, FHB schemes + more)

    01:40:08||Season 9
    Youโ€™ve been saving long enough โ€“ letโ€™s get you a property. Check out, 'The Quick-Start Guide to Your First Property': https://amzn.to/4svhyoHTime for a quarterly lending landscape update! Glen is joined by Joe Carroll, Director at Sphere Home Loans to answer your questions about:๐Ÿ‘‰๐Ÿผ coming off a fixed rate๐Ÿ‘‰๐Ÿฝ fixed vs variable - what to know before you fix๐Ÿ‘‰๐Ÿพ split loans๐Ÿ‘‰๐Ÿฟ extending an interest-only period๐Ÿ‘‰๐Ÿป how often should you be in contact with your broker?๐Ÿ‘‰ how LVR and interest rates work and when to negotiate a better rate๐Ÿ‘‰๐Ÿผ pros & cons of bridging loans๐Ÿ‘‰๐Ÿฝ self employed / other income with mortgage applications๐Ÿ‘‰๐Ÿพ use home equity or traditional car finance to purchase a car๐Ÿ‘‰๐Ÿฟ 5% deposit scheme & cash buffer restrictions๐Ÿ‘‰๐Ÿป how do foster children impact home loan applicationsย Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auApply to be a guest! https://www.moneypodcast.com.au/apply-to-come-on-the-show๐Ÿก Join our Facebook community: https://bit.ly/m3fbgroupWatch us on Youtube: https://www.youtube.com/@m3.podcastCheck out all our show resources: https://www.moneypodcast.com.au/mmmshownotesThis content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donโ€™t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
  • 913b they won the lottery: here is how they invested it

    01:02:11||Season 9
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  • 913 LOOT, rentvesting in your 40's, rent-to-rent, is buying a home still possible + more

    50:36||Season 9
    Youโ€™ve been saving long enough โ€“ letโ€™s get you a property. Check out, 'The Quick-Start Guide to Your First Property': https://amzn.to/4svhyoH In today's episode, Glen is joined by financial adviser Alex Luck from Everest Wealth to discuss your questions:๐Ÿ‘‰๐Ÿผ what does LOOT mean to you?๐Ÿ‘‰๐Ÿฝ rentvesting in our 40s, where to begin?๐Ÿ‘‰๐Ÿพ invest in shares or smash the mortgage/offset?๐Ÿ‘‰๐Ÿฟย is a rent to rent property strategy worth it?๐Ÿ‘‰ is saving for a house deposit still worth it? Learn more about Everest Wealth: everestwealth.moneymoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auApply to be a guest! https://www.moneypodcast.com.au/apply-to-come-on-the-show๐Ÿก Join our Facebook community: https://bit.ly/m3fbgroupWatch us on Youtube: https://www.youtube.com/@m3.podcastCheck out all our show resources: https://www.moneypodcast.com.au/mmmshownotesThis content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donโ€™t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
  • 912b wwgd: Selina can buy property or shares, but why is Glen unsure of both?

    44:59||Season 9
    Selinaโ€™s done an amazing job building wealth, but when she asks Glen whether she should buy an investment property, invest more in ETFs or keep stacking offset, his answer is unexpected.Want to be a guest on the show? Apply here! https://www.moneypodcast.com.au/apply-to-come-on-the-showWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
  • 912 startup equity, inheriting $1m, debt clean up, taking a pay cut & mortgage vs invest

    01:04:49||Season 9
    In this Q&A Glen is joined by financial adviser Alex Luck from Everest Wealth to answer your questions:๐Ÿ‘‰๐Ÿผ pros & cons of taking lower paid job at a startup vs staying freelance๐Ÿ‘‰๐Ÿฝ how to maximise $1M inheritance in mid 30s๐Ÿ‘‰๐Ÿพ paying down consumer debt & getting mortgage-ready๐Ÿ‘‰๐Ÿฟ clear debt or invest instead?๐Ÿ‘‰๐Ÿป when HELP debt should and shouldnโ€™t be paid off๐Ÿ‘‰ invest vs pay down the mortgageGlen's book, Sort Your Money Out & Get Invested: https://www.moneypodcast.com.au/resourcesEverest Wealth: https://everestwealthgroup.com.au/Want to be a guest on the show? Apply here! https://www.moneypodcast.com.au/apply-to-come-on-the-showWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.