We all want to be smarter with our money, but with all the noise and abundance of mixed information out there most people often become overwhelmed with where to start. As a result, most people choose to do… nothing! In this podcast, Peter and Hovig, share practical, no-BS tips and strategies to help you make smart decisions about your personal finance and investing in Australia. Each week we will explore current topics, answer our listeners questions, and guide you through how to confidently make your money go further, use your tax dollars to help you build your wealth, pay off your mortgage sooner and achieve financial freedom sooner.
#20 - Property Prices Are Falling… Is This the Buying Opportunity of the Decade?
Property prices are falling. Interest rates are high. Confidence is down. And if you believe the headlines, now might seem like the worst possible time to invest.
But is that actually what the numbers are telling us?
In this episode of Here Comes the Money, Peter and Hovig break down what’s really happening in the Australian property market and why falling median property prices don’t necessarily mean the entire market is going backwards.
They discuss how median property prices can be distorted by where buying activity is occurring, why lower-priced markets may tell a very different story to the headline numbers, and why periods of uncertainty can create opportunities for long-term investors.
They also unpack:
• Why falling median prices don’t mean every property has fallen in value
• How fear and consumer confidence influence property markets
• Why supply and demand remain critical to the long-term property outlook
• The importance of looking beyond national and city-wide averages
• Why different suburbs can be at completely different stages of the property cycle
• Property vs shares and the power of leverage
• Why property should generally be approached as a long-term investment
• How borrowing capacity and changing bank lending policies can affect your opportunities
• Why waiting for the media to announce that the market has recovered could mean you’ve already missed part of the opportunity
The key message? Don’t make a major financial decision based purely on the headlines.
Understand your numbers, your borrowing capacity, your timeframe and what makes sense for your individual circumstances.
Because sometimes the periods when everyone else is sitting on the sidelines are the periods worth paying the most attention to.
General Advice Warning: The information discussed in this podcast is general in nature and does not take into account your personal objectives, financial situation or needs. Consider seeking professional financial advice before making financial decisions.
15 Sept 2026
#19 – The Hidden Cost of Being Conservative With Your Money
What does it really mean to be “conservative” with your money — and could playing it too safe actually cost you more in the long run?
In Episode 19 of Here Comes the Money, Peter Kaleski and Hovig Evanian explore the hidden cost of financial inaction and why simply focusing on paying off your home may not be enough to prepare for retirement.
They discuss the importance of understanding your complete financial position, including how your savings are structured, the potential role of an offset account, maintaining appropriate liquidity and safety buffers, and balancing mortgage reduction with longer-term investing.
Using a client scenario involving a $500,000 mortgage and $100,000 in savings, Peter and Hovig show how seemingly small financial decisions can have a much larger impact when compounded over time.
HCTM - EPISODE 19 - FULL EPISODE.txt
They also explore the difference between risk and volatility, the importance of time when investing, and why being financially conservative doesn’t necessarily have to mean doing nothing.
HCTM - EPISODE 19 - FULL EPISODE.txt
In this episode:
• The hidden cost of financial inaction
• Why paying off your mortgage may not be the only goal
• Offset accounts vs term deposits
• Building appropriate cash and liquidity buffers
• Balancing debt reduction with investing
• Risk vs volatility
• The importance of time when building wealth
• Preparing for the lifestyle you want in retirement
Learn more about SmartMoney:
smartmoneygroup.com.au
Important Information
All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information.
SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741), a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533), the holder of the Australian Financial Services Licence no. 411846.
14 Jul 2026
#18 - Australia’s Capital Gains Tax Changes Explained | What Investors Need to Know
Australia’s Capital Gains Tax changes have become one of the biggest talking points for investors, property owners and small business owners.
In this episode of Here Comes The Money, Hovig and Peter break down how Capital Gains Tax works, discuss the changes, and explain what they could mean for everyday Australians looking to build wealth.
They cover:
How Capital Gains Tax works
The changes to the CGT rules
The impact on property investors, ETF investors and small business owners
Whether the changes should alter your long-term investment strategy
Why making informed financial decisions is more important than reacting to headlines
Please note: This episode was recorded before the legislation was passed, so parts of the discussion refer to the changes as proposed at the time of recording. The core concepts and investment principles discussed remain relevant.
General Advice Warning: The information discussed in this podcast is general in nature and does not take into account your personal objectives, financial situation or needs. Before making any financial decisions, consider seeking professional advice to determine what is appropriate for your individual circumstances.
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