Join us as we explore lending, loans, and investing essentials, sharing real stories (and a few financial blunders) along the way. We demystify the complexities of money and offer practical tips to boost your financial confidence—all without the jargon. Perfect for anyone eager to laugh and learn about managing their finances!
Building Wealth: Tips for Millennials in Today's Market
Renee Long hosts Fam Brokers’ “Money Chats & Mishaps” with guest Jaeneen Cunningham, a former investment banker with nearly 30 years in financial services who shifted to helping clients after family tragedies. They discuss the hot market, rising investor activity, and why investment decisions, especially via self-managed super funds (SMSFs), must start with clear strategy, cash-flow and tax planning, and understanding personal risk and behaviour. Janine explains SMSF finance isn’t for everyone due to compliance and trustee obligations, shares cautionary stories of clients misusing super funds, and highlights how SMSFs can enable leveraging and diversification, including property, gold, art, and collectable vehicles, and even group investing for millennials without affecting first-home eligibility. She emphasises education, questioning contracts, tax minimisation, trusted referrals, and how to contact her at Terros Finance in Helensvale, plus her domestic-violence charity work.
00:00 Welcome and Guest Intro
00:37 Jaeneen’s Backstory
01:36 Why Strategy Matters
03:03 Behavioural Finance and Risk
04:44 Preparing for SMSF
07:11 Compliance Horror Stories
10:36 What Brokers Actually Do
11:39 Alternative SMSF Investments
13:54 Millennials Teaming Up
16:48 Millennial Mindset Shift
19:31 Retirement Targets and Restructuring
22:16 Tax Smarts and Education
24:24 Fixing Bad Property Advice
25:41 Super Strategy Tax Wins
26:39 Money Mindset Nature Nurture
30:16 Stoic Lessons Question Everything
33:04 Fine Print Rates And Fees
33:59 AI Search Brings A Client
35:54 Where To Find Janine
40:05 Building Trust And Referrals
44:53 DV Support And Wrap Up
18 Jan 2026
Maggie Kelly on Real Estate: Property Insights, Market Trends & Buyer Tips
In this episode, Renae is joined by Maggie Kelly from First National Byron Bay, a real estate agent with over a decade of business coaching and corporate experience who brings a unique emotional intelligence perspective to property transactions. Maggie delves into why buying and selling property ranks among life's most stressful events—alongside marriage breakdown and death—and how understanding the emotional journey of property transactions is essential for both buyers and sellers. She provides invaluable insights into why first-time buyers need to slow down, do their homework, and resist the seduction of beautifully styled properties when making what's often their biggest financial investment.
Maggie shares powerful practical advice about property markets within markets, explaining why the lower end of the market is hot with first-time buyers competing against investors, while the luxury market operates on completely different dynamics. Her insights provide a deeper understanding of why buyers should never rely solely on Google or Reddit for property advice, why empty houses feel soulless and sell for less, and the crucial difference between "live mode" and "sell mode" when preparing a property for sale. She emphasizes that property styling isn't just about aesthetics—it's about helping buyers envision themselves living there, which is why vanilla scent and cut grass are universally appealing.
In the final part of the episode, Maggie discusses the reality of property flipping in today's market, explaining why entry and exit costs make short-term flipping expensive, and how development approval (DA) processes have become both longer and more costly post-COVID. She reveals why level blocks appeal to families while elevated properties attract different buyers, and shares the critical importance of checking drainage on sloping properties. With wisdom drawn from her own experience as a property developer, investor, renter, and first-home buyer, Maggie offers essential advice: do your homework, work with experts (not just Google), and never make property decisions when you're feeling emotional.
DIVE DEEPER // RESOURCES:
📋 Need help streamlining your business? Connect with Renae Long
Email: renae@fambrokers.com.au (mailto:renae@fambrokers.com.au)
💼 Looking for mortgage advice or refinancing support? Contact FAM Brokers
Website: www.fambrokers.com.au (http://www.fambrokers.com.au)
Email: loans@fambrokers.com.au (mailto:loans@fambrokers.com.au)
🎙️ Join our Money Chats & Mishaps community
Instagram/Tiktok: @moneychatsandmishaps
Facebook: Money Chats & Mishaps
📧 Subscribe to our newsletter for weekly finance tips and property insights
Sign up: www.fambrokers.com.au/subscribe (http://www.fambrokers.com.au/subscribe)
💬 Have a money mishap story to share? We'd love to hear from you!
Email us: moneychatsandmishaps@gmail.com (mailto:moneychatsandmishaps@gmail.com)
11 Jan 2026
Building Financial Capability: Christine Castley's Community Approach
In this episode, Renae is joined by Christine Castley, former CEO of Multicultural Australia and current Chair of the Australian Multicultural Council, for a profound conversation about financial literacy as a community issue rather than just an individual problem. Christine delves into her own migration story—arriving in Australia at age 15 and watching her family's savings lose two-thirds of their value overnight due to exchange rates—and how that shaped her understanding of the vulnerabilities migrants face when navigating unfamiliar financial systems. She provides invaluable insights into why financial literacy is fundamentally about culture, values, and life skills, not just dollars and cents.
Christine shares powerful stories about creating financial capability in unexpected ways, from a shelter manager in Mount Isa who taught every woman fleeing domestic violence to build and manage a budget, to a cantankerous fruit shop owner who taught stolen kids work ethics by making them work for food and eventually helping them get real jobs. Her insights provide a deeper understanding of how small gestures—a sausage sizzle in a park, teaching someone to use a cash register, signing a waiver for air conditioning for someone with MS—create human connection that opens doors to financial education, employment, and ultimately, dignity and hope.
In the final part of the episode, Christine discusses systemic approaches to financial inclusion, including programs like Work and Welcome that provide refugees with paid work experience to overcome the barriers of having no Australian references. She emphasizes that financial literacy isn't one-size-fits-all and requires ""Trojan horse solutions""—meeting people where they are, building trust through connection, and recognizing that privilege isn't about having no struggles, but about having navigated systems that others are still learning. With wisdom drawn from 25 years in government human services and community leadership, this episode offers key takeaways for anyone interested in financial literacy, community development, and creating a more inclusive society.
DIVE DEEPER // RESOURCES:
📋 Need help streamlining your business? Connect with Renae Long
Email: renae@fambrokers.com.au (mailto:renae@fambrokers.com.au)
💼 Looking for mortgage advice or refinancing support? Contact FAM Brokers
Website: www.fambrokers.com.au (http://www.fambrokers.com.au)
Email: loans@fambrokers.com.au (mailto:loans@fambrokers.com.au)
🎙️ Join our Money Chats & Mishaps community
Instagram/Tiktok: @moneychatsandmishaps
Facebook: Money Chats & Mishaps
📧 Subscribe to our newsletter for weekly finance tips and property insights
Sign up: www.fambrokers.com.au/subscribe (http://www.fambrokers.com.au/subscribe)
💬 Have a money mishap story to share? We'd love to hear from you!
Email us: moneychatsandmishaps@gmail.com (mailto:moneychatsandmishaps@gmail.com)
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
YouTube views
2,221
Score snapshot 15 Sept 2025
Spotify
5.0 / 5
3 ratings
Podcast Authority Score: 26 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
25
Social presence
0
YouTube
68
Engagement
0
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Guest appearances
Does not typically book guests
Based on episode analysis; this does not confirm that the show is currently accepting guests.
Questions about Money Chats & Mishaps
Who hosts Money Chats & Mishaps?
Money Chats & Mishaps host the show. Published by FAM Brokers.
How often do new episodes come out?
The show publishes monthly, based on its RSS feed.
Does Money Chats & Mishaps take guests?
The show does not typically feature guests, based on episode analyses.
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