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Money Minded

Author: The Cashflow Co

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Personal development for personal finance. Learn with us as we: 

🔐 Decode the psychology of money
🔎 Uncover the principles of personal finance 
✅ Learn how to put them into practice

123 Episodes
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Ask us a question or suggest a topic 🤙In this episode, Ryan and Terry explain their system for teaching people to master their money. Drawing on their experiences applying the best insights from Scott Young's ultra learning principles, as well as core ideas from behavioural science and habit formation, they sketch out a tried and tested roadmap for accelerating and combatting overwhelm.If you've been dancing around the edges of personal finance without making any meaningful progress -you'll w...
Ask us a question or suggest a topic 🤙Learning is a skill, and those who reach their personal and professional potential use the same principles to master it. Scott Young used these principles to complete a computer science degree from MIT in less than 12 months. Then he gathered the best insights from other self-directed learners around the world and codified them in his best selling Book Ultra Learning. In this episode, Scott sits down with Terry to share what he's learned about learning an...
Ask us a question or suggest a topic 🤙In their next SHOT, Ryan and Terry delve into an idea from investing that can be used to normalise failure in order to speed up success when starting a business. Then, as a way to apply this idea they share a coveted decision making framework used by the worlds top military strategists, startup entrepreneurs, and athletes.Also in this episode:The faulty thinking that slows us down and keeps us stuck when pursuing ideas.Why the pursuit of collecting inform...
Ask us a question or suggest a topic 🤙Business can be a vehicle for wealth. It can also become a burden on your time, a drain on your finances, and a risk to your relationships. In this episode, Terry brings on one of his mentors to explore this tension and how to deal with it. Lachlan Smith stepped off the career ladder to build a 60 person civil engineering company from scratch. He's tackled many of the toughest issues in business and built a machine that's made him both wealthy and wise. B...
Ask us a question or suggest a topic 🤙Change is hard. Especially when it feels like you have to let go of something you've invested alot of time, money and emotional labour to build. In the first of their short SHOT style episodes (Short Hit Of Teaching), Ryan and Terry explore the concept of sunk costs and how they hold us back. Then, they share three powerful strategies for getting out of our own way and making the big moves that will get us more of what we want (and less of what we don't)....
Ask us a question or suggest a topic 🤙Starting out in business can be scary. There are so many unknowns, and even if you're excellent at what you do, business is a skill set that must be mastered in addition. As part of their short series on business, Ryan and Terry chat with Ray Corcoran. Ray is a business growth consultant with a colourful business story.Having owned and operated more than one business, and making the leap from corporate to business and having to go back to start again - Ra...
Ask us a question or suggest a topic 🤙 If you really study wealth for long enough and go deep enough, you'll start to see a clear pattern. And this pattern relates to how the 'self made' types use their time and talent to earn money. It just so happens to be the quickest and most rewarding route also. In this episode we reveal the fast lane to financial independence that most personal finance gurus refuse to talk about. If you want to achieve financial independence without having to wait...
Ask us a question or suggest a topic 🤙Facing your financial fears as a couple can feel daunting and even dangerous. In this episode, Terry chats with Sarah and David Thwaites. Their story is a powerful example of how couples can move through the challenge that comes with change. In the space of a little over a year, they've gone from suffering separately in silence to meeting weekly to manage their money and making big decisions together as a team. And in this conversation, they reveal the tr...
Ask us a question or suggest a topic 🤙In this episode, Terry's wife Elise comes on the show. Together they discuss their journey coming together as a couple and learning to manage their money together as a team. Also in this episode:Their biggest lessons around money and relationships.The big mistake couples make with managing money and how to avoid it. How a book about equality improved the way they think about managing their money together. The one thing you can do to make money c...
Ask us a question or suggest a topic 🤙We all have different ideas about money. And that can make it tough to talk about, especially with your partner. In this episode, Ryan and Terry tackle 'the money talk' and how to avoid the big pitfalls that only fuel the vicious cycle of tension and conflict that can occur.Also in this episode:The four stages of team development (and which stage couples often get stuck at when it comes to money).Why our partners might resist the money chat, and where tha...
Ask us a question or suggest a topic 🤙Read Ultimate GuideIn this episode, Ryan and Terry discuss a clever way to use equity in your home to build an ever growing stream of passive income. Financially savvy Aussies are using this little known strategy to pay off their home loan faster, save tens of thousands in tax, and accelerate their path to financial freedom. If you've been concerned that paying down debt is limiting your ability to grow your wealth, this episode is for you. Also in this e...
Ask us a question or suggest a topic 🤙Debt is a pretty polarising concept. Some people love it, and it lures them into a lifestyle they can't afford. Others use it to accelerate their wealth. Others still avoid all forms of debt like the plague. In this episode, Ryan and Terry explore the various properties of debt and how the concept of debt interacts with our psychology and our circumstances.Also in this episode:The two different types of debtThe simple rule of thumb to know whether debt wi...
Ask us a question or suggest a topic 🤙In this episode, Terry chats with award winning mortgage broker and property advisor Chris Bates. Chris dispels the myths around mortgages and shares some of his best insights for navigating property purchase decisions and securing loans for property. If you're in the market for a new property soon, or maybe you're even looking to refinance and you want to make sure that you're making smart money moves with debt and property, this episode is going to...
Ask us a question or suggest a topic 🤙It's true that the best investment you'll ever make is the investment you make in yourself, but that doesn't mean it's easy. No one ever really explains how we should think about making these investments in our future. And at the same time, the internet has unlocked a universe of possibilities, but more choice often makes choosing harder. In this episode, Ryan and Terry discuss how they think about using money to make time and talent more...
Ask us a question or suggest a topic 🤙In this episode, Ryan and Terry discuss the most powerful insight they've learned for realising potential and achieving big ambitious goals. If you've set big goals for the year and what the cheat code for success, this episode is for you. Also in this episode:The biggest mistake we tend to make when going after our goals - and why the smartest people are the most prone to making this mistakeThe simple if-then rule that completely changes what's possible ...
Ask us a question or suggest a topic 🤙In this episode, Terry chats with Leigh aka Family Finance of Youtube. Together they discuss the ins and outs of supercharging savings for a family earning a middle income with multiple children and a mortgage. If you've been looking for some inspiration or even a bit of a kick up the butt, this episode is for you. Also in this episode:The big life moment that made Leigh suddenly start taking saving and investing more seriously. How money is managed ...
Ask us a question or suggest a topic 🤙In the second episode of their two-part series on sustainable saving, Ryan and Terry pull back the curtain on their unique method for money management. The guys explain what money mapping is, and the important ways it differs from most popular prescriptions. Then they dive into a detailed explanation of the seven principles it is built on. If you've been looking for an evidence-based approach that works with the way you're wired instead of against it, thi...
Ask us a question or suggest a topic 🤙In the first of two episodes, Ryan and Terry explain their 6 week hiatus, and lift the lid on exactly how their approach to money management differs from popular personal finance prescriptions. Also, in this episode. The faulty assumption most savings solutions are based upon (and how it leads us astray) The big problem with popular personal finance prescriptionsThe single question at the source of all money worriesThe only way to break up...
Ask us a question or suggest a topic 🤙Spending less doesn't have to mean deprivation. In this episode, Ryan and Terry chat with Gab Pappalardo. Gab has been a part of the program since day one and in this episode she talks about her transformation from 'material girl' to elite money manager and informed investor.Also in this episode:The moment Gab thought 'maybe this isn't for me' (and what caused her big backflip).How to find the balance between saving and investing for later and living in t...
Ask us a question or suggest a topic 🤙#15: Financial independence requires a level of confidence. But sometimes we can get stuck in indecision not wanting to make a mistake. In this episode Ryan and Terry discuss why we need frameworks for financial decisions and Terry walks through a live example from Ryan's life. These fourteen questions will help you sidestep indecision and avoid the predictable mistakes we make when making big money moves. Also in this episode:How decision making is ...
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Comments (3)

Samuel Ford

complete garbage boys. Irresponsible guest with an obvious conflict of interest.

Mar 18th
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Kenji Producer

Terry and Ryan are some of the best voices you may find in the podcast realm. You know why? Because they share major insights and knowledge with the real intent of creating good for their communitiy and listeners. Inspiring growth and sharing their best ideas with a positive goal is really perceiveable when you listen to their episodes. What I find is that they are really making an effort to break the boundary of the "listening only" experience, trying to bridge and connect people, and creating a platform where every concept, experience and story can be taken further, shared and discussed. For me in particualr, they really helped me to look at things differently in my daily life and business side. Since I started to listening to them, I changed approach and improved my planning and mapping of things. Huge thanks, mates!

Dec 18th
Reply

Jed Foster

started from the start and 3 podcasts down, so far so good, these fellas have the same approach to most FIRE podcasters but talk about the different mental aspects of the goal in hand. cheers for the content so far champs👍

Jun 25th
Reply