Earning decent money but still can't get ahead? You're not bad with money - just nobody taught you the right systems.
We're Gav and Jas from Muney, and for 20+ years we've helped everyday Aussies build money systems that actually fit their lives. Because the best financial system is the one you'll follow.
No gurus. No generic budgets. No get-rich promises. Just clear, practical steps for your situation.
Book a free 45-min call: https://deposit.muney.com.au/book1746673493436
The 6 Stages of Financial Health: Find Your Next Step | Ep #31
Earning money but still wondering where it all goes? Gav and Jase talk through how to recognise your current situation and choose a useful next step—whether you’re getting by, rebuilding, saving for a goal or weighing up investing. There’s room for golf, a few hard-earned lessons and a plan that fits real life.
In this episode
Spotting what is keeping you stuck
Looking at consumer debt alongside investments
Making room for saving without cutting out everything you enjoy
Matching your next money move to your goals and circumstances
Chapters
0:00 Where should your next money move start?
0:33 Why your situation changes the next step
9:50 Getting by and rebuilding after a setback
15:49 Good income, little left over
19:38 Saving for something that matters
22:24 Investing, choice and financial freedom
24:25 Looking at debt alongside investments
29:37 Choosing one step to take next
What’s one money step you’d like to make easier? Let us know in the comments.
If you’d like help applying this to your own situation, you can find out more or book a chat with the Muney team.
Muney: https://muney.com.au/ (https://muney.com.au/)
Book a chat: https://muney.com.au/book-a-free-session/ (https://muney.com.au/book-a-free-session/)
18 Oct 2026
Can They Afford a $100K Year of Travel? Let's Build a Money Plan | Ep #30
Newlyweds Alex and Yasmine both work online and love travelling, but they’re unsure how to make a long trip fit alongside saving, investing and their future home goals. Gav and Jase help them put real numbers around the dream and work out what they want their money to do.
Together they explore a possible $100,000 year of travel, giving, property and family goals—and the trade-offs that come with each. Then they map out a Money Master Plan, including a simple envelope system that gives every dollar a job and makes it easier to see what’s available to spend.
What We Cover
• Why Alex and Yasmine feel like they’re spending everything they earn
• How to get on the same page about money and the future
• What a year travelling could cost, including a rough $100,000 budget
• Balancing travel with giving, investing and future home plans
• How a Money Master Plan and envelope budgets can make the next steps clearer
Timestamps:
0:00 — A simpler money system
0:31 — Meet Alex and Yasmine
3:00 — How they manage money now
15:00 — Balancing life now and later
23:25 — Budgeting for a year of travel
35:30 — Property and future home goals
45:05 — Building a Money Master Plan
48:00 — How envelope budgeting works
Links:
Muney — https://muney.com.au/
Free 45-minute financial-health call — https://deposit.muney.com.au/book1746673493436
11 Oct 2026
The “I’m Bad With Money” Story - and Why It’s Complete Bullsh*t | Ep #29
When you keep telling yourself you’re bad with money, it can become a reason to avoid it altogether. Today, Jas and I challenge that story and explain why managing money is a skill you can learn - not a fixed part of who you are.
What We Cover
How the “I’m bad with money” belief keeps you stuck
What Gav and Jas learned from their own money mistakes
Building a system instead of relying on willpower
Starting small and recognising progress beyond your bank balance
Timestamps:
0:00 — The “I’m bad with money” story
5:31 — Jas’s interest-free credit card mistake
8:45 — Gav’s spending habits and school report
12:06 — A skill gap, not a personality trait
13:59 — Breaking the cycle: systems, support and small steps
17:19 — Avoiding quick fixes and recognising progress
Links:
Muney (https://muney.com.au/)
Free 45-minute financial-health call (https://deposit.muney.com.au/book1746673493436)
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