So you’ve just turned 18 and you’re wondering, “Great, I'm an adult. Now what?”. Well we have an episode for you! Azaria and Nath came up with a checklist of 18 things to do now that you’ve turned 18. Now whether you’re 18 or 28, this list can remind of something in your life that could change for the better today. This list covers everything from:…

Have you thought about the cost of your rent and wondered if there was a cheaper option? The national rental affordability scheme (NRAS) was designed to help low to middle income earners get into the rental market below the market value. Azaria breaks down 👉🏽 what NRAS is 👉🏿 why it was introduced 👉🏻 the required eligiblity 👉 how it can help you sav…

Have you ever scrolled through TikTok to find a video telling you how to manage your life, health or money? Well Nath has gone on a deep dive into FinTok to show Azaria all the best, worst and downright ugly financial advice he found. You hear all about: 👉🏾 why financial advice should be personal 👉🏿 knowing your strengths and weaknesses with your m…

Payday lenders provide fast cash when you feel you have no other options. Often used for things like emergency expenses, medical costs, overdue bills. However, they are actually the scum of the earth. They have incredibly high fees, and are extremely immoral and predatory. On this episode, Azaria highlights the issue of payday lenders to Nath and e…

Gus is well and truly KILLING it with his money. With 6 grand in shares and 11 grand saved overall, it was only right for Azaria to ask Gus for an interview! Listen along as Azaria asks him: 👉 how he has made his money 👉🏽 what goals Gus has in the future 👉🏼 how he has invested his money 👉🏾 what got Gus interested in personal finance 👉🏿 Gus' tip to …

Sometimes one job just isn't enough. If you're looking to start a side hustle but aren't sure what to do or where to start, look no further than this episode! Azaria and Nath touch on: 👉 examples of side hustles from the my millennial money facebook group 👉🏼 Azaria and Nath's side hustles 👉🏽 the importance of thinking outside the box with your hust…

Nath is getting married! Although he is, of course, excited - what he isn't excited for is the amount of money he has to spend. He shares how he and his fiancé have navigated planning a wedding and some tips they have learned along the way. Stuff like: 👉🏻 what do you want out of a wedding? 👉🏾 how much are you willing and able to pay? 👉🏼 your friend…

Welcome to the first episode of gen z money for 2022! With the new year comes all the same clichés and stereotypical new years resolutions. So in this episode, Azaria and Nath, separate the wheat from the chaff when it comes to goal setting. Follow along as they chat about: 👉🏻 being realistic with your goals 👉🏾 examples of financial goals 👉🏼 integr…

Are you in high school and wanting to get ahead with your money? Do you struggle with living paycheck to paycheck and are not sure where to start with your money? Then this episode is for you! Listen as Azaria and Nath break down the tips that they would give to their high school selves about money. They cover: 👉🏻 the importance of investing and co…

Have you thought about moving out of home but are afraid of how much it will cost? Listen to this episode as Azaria, joined by genz money editor Nath, walks through tips to reduce the overall cost of of this big decision! They touch on: 👉 personal experiences of moving out 👉🏾 how to reduce your food expenses 👉🏼 how to get good furniture for cheap 👉…

Are you wondering how to save for a house deposit while interest rates are so low? Azaria, in this episode, explains all you need to know about the First Home Super Saver scheme (FHSS) and how it may work for you. She touches on: 👉🏾 how the first home super saver scheme (FHSS) works 👉🏻 some of the common misconceptions about the scheme 👉🏼 what the …

Is day trading the modern day get-rich-quick scheme or is it a legitimate way to make money? In this episode, Azaria breaks down everything you'll want to know about day trading, like: 👉🏽 what actually is day trading 👉🏼 what is involved in day trading 👉🏻 what the stats say about how much money day traders make 👉 the risks that come with day trading…

Ever heard the term FIRE and wondered what it meant? Azaria chats with Glen about the FIRE movement which has taken the money world by storm. They touch on: 👉🏾what FIRE is (financial independence retire early) 👉🏿is FIRE actually possible 👉🏻Glen's lifestyle of LOOT (life on own terms) 👉the pros and cons to living by FIRE 👉🏼Glen's new book 👉🏽finding …

Ever heard that there's good money in mining and wondered what the job was really like? Nami's been a FIFO worker in the mines for 5 years and chats with Azaria about the job. He shares: 👉🏼his story about getting into the job 👉what his work schedule is like 👉🏽some of perks and challenges of the FIFO lifestyle 👉🏿how much workers can make on average …

Do you enjoy working with numbers and helping people? Both are key skills to have as a mortgage broker. Azaria chats with Youeil about his job and what someone who is interested in the role can do to get started. They touch on: 👉some of his story about getting into the industry and working his way up into the role 👉🏿what the job entails 👉🏼insights …

Kid lovers, this one’s for you! Lauren is in her first year of teaching and chats with Azaria about the ins and outs of becoming and being a primary school teacher. They touch on: 👉🏾the pathways to becoming a teacher and how placement works 👉her experience with finding a job out of uni and the reapplication process for new grads that some people mi…

Allegra has such a cool job and story about how she landed it (no uni was involved!). She chats with Azaria about what it’s like to work in fraud operations at a bank, touching on: 👉🏽how she ended up working for a major bank without the qualifications and despite thinking she would never have what it takes to work in finance 👉the role she started w…

We’re finding out what gen z’s do for work! Azaria chats with Pearce who co-owns a photography and videography business. In this chat they touch on: 👉🏽a bit about the business and how he got into wedding photography 👉🏻what he enjoys about being self-employed 👉🏿what a typical shoot day looks like + the day to day 👉some marketing tips that have helpe…

Asking for a raise can be daunting, but Azaria is here to help you prepare so you can have the best shot at getting the salary you want. This ep touches on: 👉when to make the ask 👉🏽how to put together your case - repeat after us, preparation 👏 is 👏 key! 👉🏻how to have the convo 👉🏿negotiating your salary (be mindful of how super plays into the amount…

Should you or shouldn't you? Azaria chats with host of my millennial money, Glen James, about making extra contributions to your superannuation, including: 👉how to add to your super 👉🏻employer contributions vs personal contributions 👉🏼the pros and cons 👉🏽when it might make sense to 👉🏾when it might not make sense to 👉🏿some other things you might do …

We're so excited about tax time that we're giving you this extra ep for your commute home! Chartered accountant, Aimee Brown, joins Azaria to answer some questions. They discuss: 👉do I need to lodge a tax return? 👉🏻how long do I have to lodge my tax return? 👉🏾I received jobkeeper, do I have to pay tax on this? What about other centrelink allowances…

On this week's ep, Azaria and associate adviser, Nick, wrap up the investing series with tips on how to avoid some of these common mistakes made in the early stages of building your portfolio. They touch on: 👉🏾starting without a goal 👉🏿withdrawing your money too early 👉🏽over-allocating how much money you're using to investing 👉🏻not doing enough res…

If you have superannuation, you're probably invested in a managed fund! In this episode Azaria and associate adviser, Nick, chat about: 👉🏽the difference between managed funds & ETFs 👉🏻how managed funds operate 👉what kind of updates do investors receive on what's being bought and sold in your fund 👉🏿some of the fees to consider 👉🏼ways to invest in m…

ETFs aka exchange traded funds are growing in popularity! With ETFs, you can buy a basket of shares or assets with just the click of a button. On this episode, Azaria and associate adviser, Nick, talk about: 👉🏿how buying ETFs can be an instant and cost effective way of diversifying your investment portfolio 👉what it means when an ETF tracks an inde…

Often the first thing that comes to mind when people hear about investing, is shares! Azaria and associate adviser, Nick, explain what it means to buy direct shares and become a shareholder. They touch on: 👉🏿how you can make money 👉🏻cost of share vs it's value 👉🏽where to begin with your portfolio planning 👉staying updated on market trends 👉🏿when an…

Micro-investing offers a low-cost and easy way to enter the investing world with small sums of money. In this episode, Azaria and associate adviser, Nick, touch on: 👉🏻how micro-investing works 👉what it means to invest in ETFs and managed funds 👉🏿some of the benefits, risks & downsides of micro-investing 👉🏽three of the main platforms - Raiz, Spacesh…

Associate adviser from Melbourne, Nick McGuire, joins Azaria to host a new series on investing for beginners! In this first episode, they touch on: 👉what inflation means and why it's important in relation to savings and investments 👉🏿how compound interest grows your money over time 👉🏻investing vs gambling... what's the difference? 👉🏽passive and act…

Not entirely sure what a financial adviser actually does or how they can help you? This one’s for you! In this episode, James Millard, director and head financial adviser at Sufficient Funds, joins Azaria on the podcast to touch on: 👉🏻 how a financial adviser can provide value in ways that books and podcasts can’t 👉 seeing an adviser vs seeing an a…

You don't have to go into the property game alone, bring a friend or family member! In this episode John Pidgeon, co-host of my millennial money and my millennial property, joins Azaria for the final chapter of the property series, talking about: 👉🏽the difference between buying as a married couple vs de facto couple 👉🏻splitting mortgage repayments …

A mortgage is a big thing to sign up for, so it's important to know how it works and how you can have it set up to suit your situation. Co-host of my millennial money and my millennial property, John Pidgeon, joins Azaria to help talk through: 👉🏼who sets up your mortgage and some options for how you can set up repayments (get the help of an awesome…

In this episode John Pidgeon explains step-by-step what to expect from the house buying process, touching on: 👉getting finance - how useful mortgage brokers are 👉🏿what pre-approval means and the documents they'll need from you in order to get it 👉🏽how you start making offers on properties once you get pre-approval 👉🏻the checks you'll want to do bef…

Just because property CAN be a good investment, it doesn't mean everyone SHOULD buy property right this very second. Sometimes it's not the right time or choice for your situation. In this episode Azaria shares her thoughts on this idea, touching on: 👉🏾not all property goes up in value 👉sometimes it's ok to focus on gaining experiences out in the w…

First home buyer grants and concessions can be confusing, but never fear, John Pidgeon is here! John is the co-host of my millennial money and my millennial property and has been a property investor himself for almost 20 years. In this episode he joined Azaria to help demystify the grants and concessions available for first home buyers. The chat to…

Co-host of my millennial property, Emily Wallace, joins Azaria to kick off a fun series about property! In this episode the convo touches on: 👉🏻the work Emily does as a Buyers Advocate 👉🏾the factors that make or break a great property investment 👉🏼how to find the perfect location for you - the key things to assess 👉figuring out if you want to live …

Buying secondhand cars can be a really great way to get great value for money - buying new cars can be soooo exxy. Azaria has just bought a new secondhand car so she debriefed how she went about it, touching on: 👉🏼determining your budget - including the cost of the car, insurances, registration, fuel and servicing costs 👉🏾narrowing down your prefer…

Glen (host of my millennial money) jumps on the show with Azaria to share some tips for how to prepare for buying a home, chatting about: 👉🏻sorting your cashflow and money management 👉🏿the kinds of transactions in your account that banks or lenders will look at 👉saving a deposit vs organising a parental guarantor 👉🏽some of the schemes out there to …

Queenie is a YouTuber who loves all things personal finance, but particularly investing! In this episode she joins Azaria to chat about: 👉how she began investing, and some other ways you can start dabbling as well 👉🏽starting to determine your risk tolerance 👉🏾finding a community of people who also love investing to keep you inspired and on track wi…

New year = new money goals! Azaria shares her golden tips to sort your money out in 2021, touching on: 👉🏼reviewing your budget 👉🏽tracking your spending each month 👉🏿figuring out your net worth 👉🏻download the net worth tracker to figure out your net worth ➡➡➡Excel version: https://www.sortyourmoneyout.com/s/m3-my-net-worth.xlsx ➡➡➡Numbers version (M…

There's some pretty unique perks and challenges to living on your own so Kevin joins Azaria to chat about: 👉🏽what his living alone situation is like 👉🏻the costs involved 👉some tips he's discovered to help you manage and enjoy the experience 👉🏾what moving out of his parents place was like Thanks to Up Bank for supporting gen z money! Sign up with th…

When you're a uni grad you want to stand out to get a job! You don't learn all the skills you need for your future job in your subjects - a lot of those skills you can be building right now, so Azaria and Emily unpack this, chatting about: 👉🏽how important and useful networking and networking skills can be in getting you a job/getting you on your de…

Chelsea is living in a van on the road at the moment, so she jumped on the show to share how she does it! The chat touches on: 👉🏼how she saved up for the trip 👉🏿where she's travelled and how much further she's gone than originally intended 👉🏻the practical things like showering, laundry, cooking and staying safe 👉how she's financially supporting her…

Are you new to personal insurances? In this episode financial adviser, Phil Thompson, joins Azaria to talk through: 👉🏼what personal insurances are available 👉🏾what each type of insurance generally covers and when they apply 👉🏻some of the ins and outs of how they work and why you might want to consider insurances for your situation 👉the benefits in …

Jordi jumped on the show with Azaria to share her debt story, touching on: 👉how much debt she had, and how it had come about 👉🏿when she realised things needed to change 👉🏾how she tackled the debts - choosing which one to start with and how she set up repayments 👉🏼the podcasts she's listened to to get educated around money stuff 👉the freedom she has…

Your 20s are a sweet time to take risks, build positive money habits and start figuring out the things you love! Azaria's friend, Ryan, jumped on the show to brainstorm some killer money goals for your 20s including: 👉🏿dodging consumer debt (credit cards, personal loans, financing cars etc) 👉🏼good debt vs bad debt (and where HECS falls) 👉🏾starting …

Tash has a net worth of $141k! So in this episode Azaria chatted with Tash about how she achieved this. The chat touches on: 👉how her understanding on money was shaped by her family 👉🏿the study and work she's been doing and the balance between the 2 👉🏽the ways she's learnt about investing 👉🏻her strategy and the assets and investments involved 👉🏾her…

When you get your first full-time/"real" job, what's the best way to manage your new salary? In this episode Azaria chats with Courtney about how she started managing the cash from her first full-time gig, touching on: 👉🏽figuring out how much to save and put aside for all your expenses 👉the unexpected costs to be ready for 👉🏿superannuation and the …

An emergency fund is a super helpful thing for when the unexpected strikes. Here's Azaria's tips for how to build one fast, including: 👉🏻reducing expenses and increasing income 👉🏿picking up a second job/side hustle 👉🏽using your tax refund 👉🏿selling stuff around the house Need a way to manage your cash? Check out Glen’s online course using the link …

Today Azaria chats with Glen to demystify credit scores, touching on: 👉🏼how credit scores are created 👉🏿what a credit profile is and who manages them 👉🏻who looks at them or uses them to assess you and your finances 👉🏾if its worth pursuing a "good" credit score 👉🏻how you can change or improve your credit score 👉what creditsmart.org.au is Today's epi…

Alex spent 12 months in the UK (so gewd) so she came on the show to share her experience, talking about: 👉🏽how she set things up before she left 👉how to budget for it 👉🏿making sure you can enjoy it without stress 👉🏻travelling with intention 👉🏾experiencing life!!! Today's episode was brought to you by ShopBack. If you haven't heard of them, you're m…

Azaria shares her thoughts on how to think about how your HECS debt. Tune in as she touches on: 👉🏿how you can set up repayments with your employer 👉🏻if it's worthwhile paying off your HECS debt faster 👉🏽how you can figure out how much HECS debt will come out of your salary: https://www.studyassist.gov.au/paying-back-your-loan/loan-repayment Today's…