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Money Mechanics with Scott Malcolm

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by Scott Malcolm

5.0(7 reviews)
78 episodes
Updated Weekly
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Podcast Overview

<p>As human beings we share a commonality.&nbsp; We are all born into the financial system in which we live.&nbsp; On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt.</p> <p>Welcome to Looking Under the Hood &ndash; a podcast all about helping you to unpacking money so you can move towards financial freedom.</p> <p>I&rsquo;m Scott Malcolm, I&rsquo;ve always been curious to understand how things work.&nbsp; When I was a kid there was that one time, I pulled apart our family toaster to see how it worked &ndash; sorry again Mum and Dad!</p> <p>When I became a financial planner &ndash; fresh out of Uni in 2000 I had the same desire to get a deep understanding of the money stuff and how to make it work for you.</p> <p>What I have learnt and seen working with clients is that the Money stuff is no different.&nbsp; If you have an understanding of how the system works and how you relate to it, you can empower yourself for a better financial future.</p> <p>My aim of this podcast is to give you money insights as we &lsquo;look under the hood&rsquo; and unpack how the financial system works, and provide some stories around clients situations I have worked with over the last few decades to give you greater understanding of you and the money in your life.</p> <p>We will kick of our first series to look under the hood and unpack money in the context of the Australian financial system.&nbsp; While tax and retirement systems change between countries the fundamentals and foundations of money are a shared human experience.</p> <p>Financial planning weather you are doing it yourself or paying for professional advice, is all about having a decision making framework in place to navigate your life transitions as you move through startup phase, accumulation phase and then into retirement or financial freedom phase.</p> <p>I look forward to taking on you a journey to unpack your money stuff and get the foundations in place to be living your ideal life.</p> <p>Thanks for listening!&nbsp; We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!</p> <p>_</p> <p>Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523</p> <p><strong>General Advice Warning</strong> Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.&nbsp;</p> <p>Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.</p> <p>Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. &nbsp;Past performance of financial products is no assurance of future performance. &nbsp;Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast. &nbsp;</p> <p>Ideally we suggest you speak with a licensed financial planner and seek out personal advice!</p>

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Publishing Since

11/8/2020

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Recent Episodes

Episode thumbnail for Unpacking Winter Spending: have your spending habits changed?

July 31, 2026

Unpacking Winter Spending: have your spending habits changed?

<p>In this episode of Unpacking Money, Scott Malcolm and Ara Jansen explore how winter can quietly reshape household spending. From delivery fees, online shopping and takeaway coffees to heating bills, subscriptions and travel daydreams, they unpack the &ldquo;convenience tax&rdquo; that can creep into everyday cashflow.</p> <p>The conversation focuses on practical, low-pressure ways to notice spending patterns, set a weekly convenience cap, build a winter bills buffer and redirect small savings toward goals such as debt reduction, emergency funds, investing or a future holiday. It is not about removing comfort; it is about choosing the comforts that genuinely support the life you want.</p> <p>&nbsp;</p> <p>Thanks for listening!&nbsp; We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!</p> <p>&nbsp;</p> <p>Check out more about us here:</p> <p><a href="http://www.moneymechanics.com.au">www.moneymechanics.com.au</a></p> <p><a href="http://www.scottmalcolm.com.au">www.scottmalcolm.com.au</a></p> <p><a href="https://www.platformplus.com.au/OfficeLegal.aspx?t=ozltyLOCOx3CUEprGCaV%2fv0Y5Vt2DhXlheKWWnXu7ziOrbFGhs4OES6xbWD9dkK4zsu%2bH9MFqmSRctEzB6KzTw%3d%3d">Check out our Financial Service Guide and Privacy Policy here.</a></p> <p>&nbsp;</p> <p><strong>Follow and like us on socials:</strong></p> <p>Instagram:&nbsp;<a href="https://www.instagram.com/moneymechanics/">@moneymechanics</a></p> <p>Twitter:&nbsp;<a href="https://twitter.com/MoneyMechanics">@moneymechanics</a></p> <p>&nbsp;</p> <p>Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523</p> <p>&nbsp;</p> <p><strong>General Advice Warning</strong>&nbsp;Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.&nbsp;</p> <p>&nbsp;</p> <p>Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. &nbsp;Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. &nbsp;Past performance of financial products is no assurance of future performance. &nbsp;Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>

Episode thumbnail for Unpacking SMSF and LRBAs Post Budget 2026: separating fact from fiction

July 17, 2026

Unpacking SMSF and LRBAs Post Budget 2026: separating fact from fiction

<p>In this episode of Unpacking Money, Scott Malcolm and Ara Jansen unpack what the post-Budget 2026 SMSF and LRBA conversation may mean for Australians considering property inside super.</p> <p>We will slow down the headlines, explain why limited recourse borrowing arrangements require careful review, and explore the practical questions trustees should ask before establishing, refinancing, restructuring, or exiting an SMSF property strategy.</p> <p>From residential property restrictions and business real property considerations to liquidity, cashflow, compliance and retirement purpose, this episode is a calm reminder that big financial decisions should be strategy-led, documented, and supported by personalised specialist advice.</p> <p>&nbsp;</p> <p><strong>Resources and Calculators:</strong></p> <p><a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/self-managed-super-funds-smsf">https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/self-managed-super-funds-smsf</a></p> <p>&nbsp;</p> <p>Thanks for listening!&nbsp; We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!</p> <p>&nbsp;</p> <p>Check out more about us here:</p> <p><a href="http://www.moneymechanics.com.au">www.moneymechanics.com.au</a></p> <p><a href="http://www.scottmalcolm.com.au">www.scottmalcolm.com.au</a></p> <p><a href="https://www.platformplus.com.au/OfficeLegal.aspx?t=ozltyLOCOx3CUEprGCaV%2fv0Y5Vt2DhXlheKWWnXu7ziOrbFGhs4OES6xbWD9dkK4zsu%2bH9MFqmSRctEzB6KzTw%3d%3d">Check out our Financial Service Guide and Privacy Policy here.</a></p> <p>&nbsp;</p> <p><strong>Follow and like us on socials:</strong></p> <p>Instagram:&nbsp;<a href="https://www.instagram.com/moneymechanics/">@moneymechanics</a></p> <p>Twitter:&nbsp;<a href="https://twitter.com/MoneyMechanics">@moneymechanics</a></p> <p>&nbsp;</p> <p>Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523</p> <p>&nbsp;</p> <p><strong>General Advice Warning</strong>&nbsp;Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.&nbsp;</p> <p>&nbsp;</p> <p>Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. &nbsp;Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. &nbsp;Past performance of financial products is no assurance of future performance. &nbsp;Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>

Episode thumbnail for Unpacking the New Financial Year: Reset, Review and Realign Your Money

July 3, 2026

Unpacking the New Financial Year: Reset, Review and Realign Your Money

<p>In this episode of Unpacking Money, Scott Malcolm and co-host Ara Jansen use the start of the new financial year as a practical reset point for your money life. Rather than treating 1 July as just a tax year, they unpack how to review what changed over the past year, reconnect your financial choices with your values, and create a simple framework for better money decisions in the year ahead.</p> <p>&nbsp;</p> <p>You&rsquo;ll hear how to build a one-page money framework, use a values filter before making financial decisions, identify the habits that helped or held you back, and choose one practical action that can make your financial year feel calmer and clearer.</p> <p>&nbsp;</p> <p>This conversation is for anyone who starts the financial year with good intentions but wants a plan that actually sticks &mdash; one that supports security, freedom, family, contribution, adventure, or whatever matters most to you.</p> <p>&nbsp;</p> <p>Thanks for listening!&nbsp; We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!</p> <p>&nbsp;</p> <p>Check out more about us here:</p> <p><a href="http://www.moneymechanics.com.au">www.moneymechanics.com.au</a></p> <p><a href="http://www.scottmalcolm.com.au">www.scottmalcolm.com.au</a></p> <p><a href="https://www.platformplus.com.au/OfficeLegal.aspx?t=ozltyLOCOx3CUEprGCaV%2fv0Y5Vt2DhXlheKWWnXu7ziOrbFGhs4OES6xbWD9dkK4zsu%2bH9MFqmSRctEzB6KzTw%3d%3d">Check out our Financial Service Guide and Privacy Policy here.</a></p> <p>&nbsp;</p> <p><strong>Follow and like us on socials:</strong></p> <p>Instagram:&nbsp;<a href="https://www.instagram.com/moneymechanics/">@moneymechanics</a></p> <p>Twitter:&nbsp;<a href="https://twitter.com/MoneyMechanics">@moneymechanics</a></p> <p>&nbsp;</p> <p>Money Mechanics Pty Ltd (ABN <a href="tel:64 136 066 272">64 136 066 272</a>) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN <a href="tel:47 097 797 049">47 097 797 049</a>) AFSL and Australian Credit Licence No. 236523</p> <p>&nbsp;</p> <p><strong>General Advice Warning</strong>&nbsp;Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.&nbsp;</p> <p>&nbsp;</p> <p>Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. &nbsp;Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. &nbsp;Past performance of financial products is no assurance of future performance. &nbsp;Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast. &nbsp;</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>

78 total episodes available

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What is Money Mechanics with Scott Malcolm?
<p>As human beings we share a commonality.&nbsp; We are all born into the financial system in which we live.&nbsp; On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt.</p> <p>Welcome to Looking Under the Hood &ndash; a podcast all about helping you to unpacking money so you can move towards financial freedom.</p> <p>I&rsquo;m Scott Malcolm, I&rsquo;ve always been curious to understand how things work.&nbsp; When I was a kid there was that one time, I pulled apart our family toaster to see how it worked &ndash; sorry again Mum and Dad!</p> <p>When I became a financial planner &ndash; fresh out of Uni in 2000 I had the same desire to get a deep understanding of the money stuff and how to make it work for you.</p> <p>What I have learnt and seen working with clients is that the Money stuff is no different.&nbsp; If you have an understanding of how the system works and how you relate to it, you can empower yourself for a better financial future.</p> <p>My aim of this podcast is to give you money insights as we &lsquo;look under the hood&rsquo; and unpack how the financial system works, and provide some stories around clients situations I have worked with over the last few decades to give you greater understanding of you and the money in your life.</p> <p>We will kick of our first series to look under the hood and unpack money in the context of the Australian financial system.&nbsp; While tax and retirement systems change between countries the fundamentals and foundations of money are a shared human experience.</p> <p>Financial planning weather you are doing it yourself or paying for professional advice, is all about having a decision making framework in place to navigate your life transitions as you move through startup phase, accumulation phase and then into retirement or financial freedom phase.</p> <p>I look forward to taking on you a journey to unpack your money stuff and get the foundations in place to be living your ideal life.</p> <p>Thanks for listening!&nbsp; We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!</p> <p>_</p> <p>Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523</p> <p><strong>General Advice Warning</strong> Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.&nbsp;</p> <p>Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.</p> <p>Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. &nbsp;Past performance of financial products is no assurance of future performance. &nbsp;Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast. &nbsp;</p> <p>Ideally we suggest you speak with a licensed financial planner and seek out personal advice!</p>
How often does this podcast release new episodes?

This podcast updates weekly.

Where can I listen to this podcast?

This podcast is available on 8 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.

Does this podcast accept guests?

Yes, this podcast regularly features guests.

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