Michael & Ali of Money Over 50 Financial Advisers
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Episodes of Money Over 50
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AUDIO FIXEDDuring your working life, your superannuation fund has been growing and growing thanks to contributions from your employer and hopefully yourself. This money sits there for decades, slowly accumulating for you without being touched.
AUDIO FIXEDYou can’t have everything! Be realistic with your goalsDo you ever feel like you’re trying to do a thousand things at once, and not really doing any of them well? Ali knows the feeling. Life is busy, but the more we try to do every
In this episode, Ali talks about when you can have access to your superannuation. To access superannuation, you must meet a 'Condition of Release'. Ali discusses the different Conditions of Release and their requirements, as well as the differe
In this episode, Ali talks about why it is important to be honest with yourself when setting goals. Ali recounts how he recently went through a period of time where he was doing too many things, and not spending enough time or effort on the thi
Did you know that on the 1st of July 2024, you’ll be able to contribute more into your superannuation and take advantage of Australia’s best ‘tax shelter’? The reason for that is that superannuation contribution caps are increasing on the first
For many people, getting their finances on track is high on the priority list. And to do that, they realise they need professional help. But how do you know which financial adviser is right for you?In this episode, Ali discusses what you need
If you held an investment for 15 years, would you prefer it to make nominal returns of 12.5% per annum, or 20.3% per annum? The answer may seem simple, but is a lot more complex than most people realise.In this episode, Ali and Michael discuss
Alice, a regular listener, asks a question about what would happen if her and her partner were to sell their primary place of residence (PPR) and use the downsizer contribution to add $300,000 super. In this episode, Michael and Ali discuss Al
Sue, a regular listener, asks a question about her husband’s 0% taxed super income stream and how they could make the most out of this money. She would like to know what investments, if any, she can make to increase their financial position.In
When you retire, your superannuation balance can become a 0% taxed super income stream. This is essentially the same as a tax-free trust fund. Australia has one of the highest income tax rates in the world; however, it is also one of the most g
It's February 2024 and Michael & Ali are back with new Money Over 50 Podcast episodes!In this episode, Michael & Ali unpack a recent question they received from podcast listeners Paul and Renae. They discuss the yearly concessional contributio
In this episode, Ali discusses 4 potential options for a new retiree who doesn't have enough to retire on (Centrelink Age Pension, adjust lifestyle, downsizing your home, and semi-retirement). People may also find other options out there, or ma
Have you ever gone on a diet or started a new fitness plan? Chances are you found it painful at the start. Financial plans can be much the same. The good news is, the pain is only at the beginning!In this episode, Ali shares his expertise on s
Do you see yourself as a retiree, or a pensioner? Turns out, there’s quite a difference! Self-talk and self-identity are more important than you may realise.In this episode, Dallas and Ali discuss the implications of how you may see yourself a
It’s not uncommon for the government to make changes to our superannuation rules, and a few new things have come into effect since the 1st of July 2023.In this episode, Ali discusses three significant changes to superannuation that everyone sh
What are you afraid of when it comes to money and security? And have you discussed this with anyone, or really taken the time to sit down and think about it carefully?In this episode, Ali and Dallas discuss how and when to say your fears out l
In this episode, Ali explains his thoughts regarding travel after coming back home from a trip in Europe. He explains that even though he did enjoy his travels, he's gained a much larger appreciation for home and believes that finding enjoyment
This is a repeat of Listener Favourite: 275 Knowing you don't need to work makes work betterSometimes, you need to put your happiness before your job. Easier said than done, right? But if you’re close to retirement and you’re extremely unhappy
This is a repeat of our recent Listener Favourite Episode: 303 You can compare things but you can't compare experiencesIt is human nature to compare ourselves to others. In fact, we compare everything – material possessions, the size of our ho
This is a repeat of Listener Favourite: Episode 247 Why my kids won't get an inheritance Dallas discusses with Michael his thoughts on the planning of providing an inheritance to children. There is no right or wrong answer on whether you sho
This is a repeat of our Listener Favourite episode 271 A moral guide to minimising taxationTax evasion or tax minimisation – what’s the difference? According to Kerry Packer’s famous speech during a parliamentary hearing, a lot. And if you’r
This is a repeat of listener favourite episode 297 When to take advice.Do you like taking advice from other people? Or do you listen half-heartedly before doing the exact opposite of what they have suggested? In this episode, Michael and Dall
This is a repeat of Listener Favourite of episode 218 3 simple things (in retirement planning). In this episode (from all the way back in 2021), Michael and Dallas sat down and discussed how simple it can be to get ahead financially, but also
This is a repeat of episode 248 The best way to avoid panicking in a downturn is not to panic!One of the quickest ways to derail your retirement or investment plans is to PANIC! It might be hard not to react, but panicking at the sight of down
This is a repeat of Listener Favourite: Fridges with ice makersBringing you another Listener Favourite this week - Fridges with ice makers!When you were a kid, do you remember visiting friends’ fancy houses and comparing them to your own? For
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