Money Rules OR Money Rules

About Money Rules OR Money Rules

MONEY rules or money RULES? Money affects almost every stage of life, but understanding the decisions, strategies and rules around it isn’t always straightforward. The Money Rules or Money Rules Podcast is an Australian finance podcast bringing financial professionals, specialists and guests together to cut through the complexity, challenge common assumptions and make sense of the financial decisions we face throughout life. Each episode explores financial topics, strategies and questions from a general Australian perspective, helping make complex financial decisions easier to understand. Whether you’re building wealth, planning for the future or simply trying to make better sense of your money, tune in for practical perspectives that help you ask better questions, understand what matters and approach financial decisions with greater confidence. The information in this podcast is general in nature only. It neither represents nor is intended to be specific advice on any particular matter, and has been prepared without taking into account your objectives, financial situation or needs. Before acting on anything discussed, consider whether it is appropriate for your circumstances and seek appropriate professional advice. FNP Solutions Pty Ltd (ABN 87 156 409 531) trading as Vision Wealth Strategies is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049), AFSL and Australian Credit Licence No. 236523.

Publisher

Hamish Ferguson

Category

education

Language

en

Explicit

No

First episode

21 Sept 2022

Latest episode

20 Oct 2026

Latest episodes

34 episodes in the feed.

1. 

   20 Oct 2026

   #34 Negative Gearing Changes: Property Debated | Hamish and Luke

   Is property still the investment Australians should reach for first? Two Vision advisers disagree. Luke Kaprilian is against property at today's prices, while Hamish Ferguson still sees a place for it. Alex McBain draws out both cases, from housing supply and bank lending to what the negative gearing and capital gains tax changes could mean for investors. A Current Conversations episode that won't tell you what to do, but shows what's worth weighing up: cash flow, time frame, flexibility, and how much sits in one asset. Key Takeaways: * Gearing Explained: Luke argues that much of property's strong track record comes from how much banks will lend against it, not from the asset itself outperforming.* Time Horizon: Both advisers agree property generally needs to be held for a long stretch, and being forced to sell early is where people tend to lose out.* Depreciation Misconceptions: Depreciation deductions exist because fixtures wear out, so treating the tax refund as a bonus can leave nothing set aside for replacements.* New Builds and Location: The tax changes discussed favour new builds, which can steer investors towards units or outer areas with different growth prospects.* Concentration Risk: A single property is one asset in one place, and how much of someone's wealth sits there depends on their own cash flow and circumstances. Notable Quotes:1. "I'm not anti-property. I am anti-property at these prices." Luke Kaprilian2. "It is a class that has proven itself over time but to go into it without understanding the risks is foolhardy." Hamish Ferguson3. "Is that a blanket statement for everyone or applicable to your circumstances?" Alex McBain4. "The thing that allows property to stand above and beyond those other classes is the fact that the banks will lend so much money against property." Luke Kaprilian5. "When you buy a property, you're buying one thing." Hamish Ferguson6. "It's going to be dependent on everyone's individual circumstances." Luke Kaprilian Reach out to us at: https://visionws.com.au/ Host: Alex McBain from Vision Property and Finance: https://visionpf.com.au/our-team/alex-mcbain/ Want to reach out to today's guest speaker or have any questions? Contact Vision Wealth Strategies: https://visionws.com.au/contact-us/ Find our podcast on your podcast platform: Apple Podcasts: https://podcasts.apple.com/au/podcast/money-rules-or-money-rules/id1650489113 Spotify: https://open.spotify.com/show/1mqGk8FqvoCo6c8ZLAVrzB?si=807fe54e52364275 Youtube:  https://www.youtube.com/channel/UCiwsdMvfyPHpdXp1mSOFyFw Find Us On: Facebook: Vision Wealth Strategies | Mount Hutton NSW Instagram: https://www.instagram.com/visionwealthstrategies/ LinkedIn: linkedin.com/company/vision-wealth-strategies YouTube: https://www.youtube.com/@VisionWealthStrategies TikTok: https://www.tiktok.com/@visionwealthstrategies Website: https://visionws.com.au/ General Advice Warning The information in this podcast is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Infocus Securities Australia Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances. Financial Services Disclosure Vision Wealth Strategies operates through FNP Solutions Pty Ltd ABN 87 156 409 531, Corporate Authorised Representative No. 428286 of Infocus Securities Australia Pty Ltd ABN 47 097 797 049, AFSL No. 236523.

2. 

   6 Oct 2026

   #33 First Pay Rise: What To Do With It

   A pay rise feels like a reward. It is also a decision, and the one you make early tends to set the pattern. Alex McBain sits down with Vision's Ashleigh Dodt and Tyler Clarke to unpack what happens when your income goes up: where an extra dollar can do the most work, why superannuation gets overlooked, and how lifestyle creep quietly absorbs the lot. An educational conversation about giving every dollar a job, and why your pay lifts your bank balance while your decisions lift your wealth. Key Takeaways: A pay rise is a decision, not just a reward: Both specialists framed the first meaningful increase as the point where spending and saving patterns tend to set, which gives it more weight than the amount alone suggests. Lifestyle creep is ordinary, not a failure: Extra income gets absorbed into everyday costs before anyone consciously decides anything. The episode treats noticing it as more useful than resisting it. Time tends to do more work than the amount: Small, consistent contributions over long periods were described as doing more than larger amounts started later, though what that looks like depends entirely on individual circumstances. Flexibility outlasts optimisation: The tighter a budget, the less likely it survives a month where several unplanned costs land together, which is why an emergency buffer does a different job from an investment. An expense ending behaves like a pay rise: Costs with an end date, such as daycare or a loan finishing, free up money with no announcement attached, which makes them easy to absorb without noticing. Notable Quotes: "What is lifestyle creep?" — Alex McBain "You'll upgrade the car, find an extra dinner in the budget and suddenly it's not working for you long term" — Ashleigh Dodt "The pay rise is kind of a fork in the road. You either spend more on your lifestyle or you invest in your future." — Tyler Clarke "The more restrictive a budget is, the less likely they are to stick with it" — Tyler Clarke "Ask yourself what job do I want this extra money to do for us?" — Ashleigh Dodt "The pay will increase the bank balance, but your decisions will increase your long-term wealth" — Tyler Clarke Reach out to us at: https://visionws.com.au/ Host: Alex McBain from Vision Property and Finance: https://visionpf.com.au/our-team/alex-mcbain/ Want to reach out to today's guest speaker or have any questions? Contact Vision Wealth Strategies: https://visionws.com.au/contact-us/ Find our podcast on your podcast platform: Apple Podcasts: https://podcasts.apple.com/au/podcast/money-rules-or-money-rules/id1650489113 Spotify: https://open.spotify.com/show/1mqGk8FqvoCo6c8ZLAVrzB?si=807fe54e52364275 Youtube:  https://www.youtube.com/channel/UCiwsdMvfyPHpdXp1mSOFyFw Find Us On: Facebook: Vision Wealth Strategies | Mount Hutton NSW Instagram: https://www.instagram.com/visionwealthstrategies/ LinkedIn: linkedin.com/company/vision-wealth-strategies YouTube: https://www.youtube.com/@VisionWealthStrategies TikTok: https://www.tiktok.com/@visionwealthstrategies Website: https://visionws.com.au/ General Advice Warning The information in this podcast is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Infocus Securities Australia Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances. Financial Services Disclosure Vision Wealth Strategies operates through FNP Solutions Pty Ltd ABN 87 156 409 531, Corporate Authorised Representative No. 428286 of Infocus Securities Australia Pty Ltd ABN 47 097 797 049, AFSL No. 236523.

3. 

   22 Sept 2026

   #32 When to Stop Saving and Start Investing

   Most Australians were told to save. Nobody ever said when to stop. Alex McBain sits down with Vision Wealth Strategies advisers Ashleigh Dodt and Luke Kaprilian to work through what saving actually does, the cost it quietly carries, and why investing brings risks of its own worth understanding. Emergency buffers, diversification, risk profiles, crypto, ETFs, and the difference between a loss on paper and a real one. An educational conversation about the point where saving alone stops doing the job, and what people weigh up when they get there. Key Takeaways: The combination of saving and investing provides a comprehensive framework for financial security and wealth-building, as savings serve immediate needs and investments cater to long-term growth. Understanding and aligning investments with personal risk profiles is essential, as it helps in making informed decisions that suit one's financial goals and comfort levels. Investing early, even with small amounts, can result in significant long-term benefits, with compounding potentially leading to much higher returns than regular savings accounts. While social media can be a resource for investment strategies, it’s crucial to verify information through reliable sources to avoid risky and poorly informed financial decisions. Financial advisors offer invaluable guidance by helping individuals identify their risk tolerance, manage emotions around investments, and stay focused on long-term objectives. Notable Quotes: "Savings and investing both work together. Savings act as our emergency buffer, while investing is really thinking about your future self and long-term goals." – Ashleigh Dodt "The biggest issue that I have with saving alone is that saving itself is inherently risky if you're not considering opportunity costs and inflation." – Luke Kaprilian "Time in the market beats timing the market. People need to get past their fear and perhaps get comfortable with the idea of investing early on." – Luke Caprilian "Don't let the time that’s gotten away prevent you from investing. It's never too late to start, especially as life moves to different stages." – Ashleigh Dodt "We manage the person, someone else manages the investments. Financial advisors help with emotional decisions and getting more out of you for better returns." – Luke Kaprilian Follow Luke Kaprilian Insta: @adviserlk Reach out to us at: https://visionws.com.au/ Host: Alex McBain from Vision Property and Finance: https://visionpf.com.au/our-team/alex-mcbain/ Want to reach out to today's guest speaker or have any questions? Contact Vision Wealth Strategies: https://visionws.com.au/contact-us/ Find our podcast on your podcast platform: Apple Podcasts: https://podcasts.apple.com/au/podcast/money-rules-or-money-rules/id1650489113 Spotify: https://open.spotify.com/show/1mqGk8FqvoCo6c8ZLAVrzB?si=807fe54e52364275 Youtube:  https://www.youtube.com/channel/UCiwsdMvfyPHpdXp1mSOFyFw Find Us On: Facebook: Vision Wealth Strategies | Mount Hutton NSW Instagram: https://www.instagram.com/visionwealthstrategies/ LinkedIn: linkedin.com/company/vision-wealth-strategies YouTube: https://www.youtube.com/@VisionWealthStrategies TikTok: https://www.tiktok.com/@visionwealthstrategies Website: https://visionws.com.au/ The information in this podcast is general in nature only. It neither represents nor is intended to be specific advice on any particular matter, and has been prepared without taking into account your objectives, financial situation or needs. Before acting on anything discussed, consider whether it is appropriate for your circumstances and seek appropriate professional advice. FNP Solutions Pty Ltd (ABN 87 156 409 531) trading as Vision Wealth Strategies is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049), AFSL and Australian Credit Licence No. 236523.

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

YouTube views

9,691

Score snapshot 15 Sept 2025

Spotify

5.0 / 5

2 ratings

Podcast Authority Score: 30 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

8

Social presence

0

YouTube

68

Engagement

60

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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.