by Epiphanik Studios
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
Language
🇺🇲
Publishing Since
2/19/2026
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June 28, 2026
<p>Everything costs more than it did a few years ago - and the frustrating part is, it's not going back down. In this episode, Gav and Jas break down what inflation actually means for your hip pocket, why your personal cost of living pain might look nothing like the national number, and most importantly, what you can actually do about it. If you've been feeling like you're doing everything right but still can't get ahead, this one's for you.What We Cover- What inflation actually is and what the CPI number means for your wallet- What inflation actually is and what the CPI number means for your wallet- Why prices dropping from 5% to 3% doesn't mean anything gets cheaper- Why your cost of living pain might look nothing like the national average- The three things you need to do to get on the front foot- Real listener scenario: couple earning $7,500/month with 60% going to the mortgage- Real listener scenario: single person on $92k who "can't save" — and why the math doesn't add upTimestamps:</p><p>0:00 — Intro2:10 — Why prices aren't going back down5:30 — What inflation actually is9:00 — How CPI is calculated in Australia13:30 — When inflation drops, do prices drop too?16:00 — Why your cost of living pain is different to everyone else's19:30 — What clients are actually saying22:00 — The three things you need to do27:30 — Why chasing income without fixing expenses keeps you stuck31:00 — Listener scenario: couple, $7,500/month, 60% to the mortgage38:30 — Listener scenario: $92k salary, $200 left per fortnight46:00 — Fixed vs variable expenses49:30 — Wrap upLinks:Connect with Gav & Jas - https://deposit.muney.com.au/book1746673493436Free 45 minute call with expert - https://deposit.muney.com.au/book1746673493436Mortgage Calculator - https://muney.com.au/mortgage-calculator/</p>
June 21, 2026
<p>We've all gone to the wrong person for the financial advice and ended up worse off for it. In this episode, Gav and Jas breaks down the "halo effect" that trips people up financially - trusting one professional for advice thats's outside their lane. If you've ever wondered exactly who to go to for tax, investing, debt, property, insurance, super or credit advice, this one's for you.What We Cover: - What the "halo effect" is & why it leads people to bad financial advice- What accountants are good and bad for- The difference between financial planners, money coaches and stockbrokers- When to use mortgage brokers, and the conflict of interest worth knowing about- Who to call for property: buyer's agents vs real estate agents vs mortgage brokersTimestamps: 0:00 – Intro & Jase's trip overseas2:30 – Gav's accountant horror story6:00 – The "halo effect" explained9:30 – What accountants are actually for13:00 – Financial planners & credit repair specialists17:00 – Insurance brokers, stockbrokers & lawyers20:30 – Money coaches: where Gav & Jas fit in24:00 – Mortgage brokers, buyer's agents & real estate agentsLinks:Connect with Gav & Jas - https://deposit.muney.com.au/book1746673493436Free 45 minute call with expert - https://deposit.muney.com.au/book1746673493436Mortgage Calculator - https://muney.com.au/mortgage-calculator/</p>
June 14, 2026
<p>David and Steph are back for part 2. In part 1, we tackled the mindset (which is a must-have before doing a strategy). This time, it's the numbers - and they're wild.With a $609K variable mortgage, a $16K personal loan, goals for a European trip, kids, and eventually a bookshop/café, we walk them through a three-phase strategy to cut their 30-year mortgage down to just 10.5 years - without touching their budget...What We Cover:- The goal-setting step most people skip- Why being overly risk-averse can actually slow down your mortgage payoff- Redraw vs. offset - Repayment stacking- The three small structural tweaks that save $451K in interest - Why a slightly higher interest rate with an offset can beat a lower rate without oneTimestamps:01:45 — Goal-setting framework03:00 — Anniversary trip goal06:30 — Europe trip goal09:00 — The mortgage: $609K, 30 years12:00 — What's holding them back21:00 — Redraw vs. offset28:30 — Repayment stacking31:00 — The three phases36:00 — Balance beats sacrificeLinks: Gav & Jas' Company - https://muney.com.au/Free 45-minute call - https://deposit.muney.com.au/book1746673493436Mortgage Calculator - https://muney.com.au/mortgage-calculator/We'd love to have you on the show! We're looking for everyday Australians to sit down with our financial experts Gav & Jas to talk through their situation and get real advice - on mic. If you're interested, please email notrichyetaustralia@gmail.com and we'll reach back out.</p>
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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
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