In today's episode Glen sits down with Kate from Brisbane. She earns a decent income as a cosmetic injectables nurse but has maxed out 2 credit cards and just can't seem to get ahead. Kate wants to know: am I past the point of no return? They unpack:

👉🏼Kate's goal to get out of consumer debt and save a home deposit

👉🏽 her income, work and lifestyle

👉🏾 cashflow, consumer debt situation & why a budget hasn't stuck

👉 super, assets and protection plan

👉🏿 living situation

👉🏼 Kate's past & a recent ADHD diagnosis

👉🏻 Glen's take on Kate's situation

money money money is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

Apply to be a guest! https://www.moneypodcast.com.au/apply-to-come-on-the-show

🏡 Join our Facebook community: https://bit.ly/m3fbgroup

Watch us on Youtube: https://www.youtube.com/@m3.podcast

Check out all our show resources: https://www.moneypodcast.com.au/mmmshownotes

This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.

Hosted on Acast. See acast.com/privacy for more information.

Learn to invest with our award-winning investing book, The Quick-Start Guide to Investing: https://www.investingbook.com.au/

Glen is joined by Emily Bowen, HR consultant, Operations Manager at Boldside and host of this is work for a full community Q&A on careers, pay and all things workplace. They touch on:

👉🏼 Kayla asked how to negotiate a pay rise when you feel you are being unpaid

👉🏽 Francis asked what to put in a cover letter when you don’t tick all criteria

👉🏾 Chelsea asked how to stand out in an AI-driven recruitment world

👉🏿 Kate said, I work in HR and I'm always putting out fires. How can I break this reactive loop?

👉🏻 how to negotiate more pay without seeming ungrateful

👉 what can you do if you're on an award or in a Government role?

Download the Unofficial Income Guide ebook: https://www.moneypodcast.com.au/unofficial-income-guide

If you lead a team, check out Boldside: https://www.boldside.com.au/

Check out this is work with Shell and Emily wherever you get your podcasts.

money money money is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

Apply to be a guest! https://www.moneypodcast.com.au/apply-to-come-on-the-show

🏡 Join our Facebook community: https://bit.ly/m3fbgroup

Watch us on Youtube: https://www.youtube.com/@m3.podcast

Check out all our show resources: https://www.moneypodcast.com.au/mmmshownotes

This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.

Hosted on Acast. See acast.com/privacy for more information.

Learn to invest with our award-winning investing book, The Quick-Start Guide to Investing: https://www.investingbook.com.au/

In this clarity call, John Pidgeon host of this is property chats with Mitch who is feeling stuck and unsure on how to move his property portfolio forward. They unpack:

👉🏼 Mitch’s roadblock

👉🏽 his businesses

👉🏿 long term lifestyle, property and business goals

👉 cashflow and expense management

👉🏻 the lending reality as a new business owner

👉🏾 clarifying focus & building income first, then investing

👉🏼 Mitch's property portfolio

👉🏿 John's 4 pillars of wealth creation

👉 action steps

Interested in a clarity call with John? Book here: https://www.solverewealth.com.au/clarity-call-with-john-pidgeon/

money money money is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

Apply to be a guest! https://www.moneypodcast.com.au/apply-to-come-on-the-show

🏡 Join our Facebook community: https://bit.ly/m3fbgroup

Watch us on Youtube: https://www.youtube.com/@m3.podcast

Check out all our show resources: https://www.moneypodcast.com.au/mmmshownotes

This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.

Hosted on Acast. See acast.com/privacy for more information.