In this podcast, David and Carolyn talk about their unique and proven system to gain control over your finances and why budgeting is the wrong approach to spending planning. They cover the problems involved and what you should be doing instead.

David and Carolyn continue their three-part series showing you their proven system to take control of your financial plans. This episode is aimed at people who have tried everything but still feel stuck financially, going nowhere. We’ll learn how to take more control and start growing your money.

If you can take control of your finances and money plans, you'll avoid a huge amount of stress and start living the lifestyle you want.

In this episode of the Succeed With Money podcast, David and Carolyn talk about three of the biggest money planning mistakes people make. They talk about how these common pitfalls can lead to you losing control of your finances, and some ways to anticipate and avoid them.

At the end of 2020 Carolyn and David put out the challenge to make 2021 the year that you start living life on your own terms. In this episode of the Succeed With Money podcast David and Carolyn interview Madison Pickering, a 19 year old who has just moved into her own home. She is definitely living life on her own terms compared with 99.999% of her peers! Listen in to find out how she achieved such an amazing outcome at such an early age … making this an episode not to be missed!

In a normal year, I would be saying “Can you believe it, it’s December already” but this year is different! I think many people would be saying “Thank God, it’s December finally!” In this episode, David and Carolyn discuss this annual phenomenon and talk about ways to avoid the pain that goes with it… which makes this an episode not to be missed!

In this week’s episode of the Succeed With Money podcast David and Carolyn return to focussing on adults, after looking at the topic of teaching Kids about Money during the last 5 episodes. This week they take the opportunity to ask the question: How are we adults going at learning the lessons we want our kids to learn before they leave home?

At the end of the last episode, we presented two opposing principles for how to raise your kids. One was to give them everything they want, and the other was to give them nothing but to encourage them to work for the things that they want. In this week’s episode we look at the responses that came in from our listeners on these two ideas and discuss the pros and cons.

In this episode of Succeed With Money podcast David and Carolyn outline 10 things that parents should be teaching their kids about money…. which makes this an episode not to be missed!!!

In this episode of the Succeed With Money Podcast David and Carolyn discuss some of the typical money issues that come up when raising kids. This leads into a chat with another Mum about how she is going about educating her 4 boys about money. At the end of that conversation David offers a strategy she can use to teach her boys to become investors. This strategy can be used by any parent to accelerate the financial education and understanding of money principles they impart to their kids….. which makes this an episode not to be missed!

Last week we opened a can of worms introducing the topic of teaching children about money. We’re not sure how big this is going to get but there is certainly a lot of interest in this topic. As parents we have a responsibility to give our kids a solid financial foundation for life. Neglect this and you’re setting your kids up for failure. In this week’s podcast we interview a parent of two children who are learning the importance of making smart choices with money… so it’s an episode not to be missed!

A recent report from the ABC stated that while each generation of Australians has enjoyed a better standard of living than the one that came before it, today's young Australians are in danger of falling behind. We all want to see our children have a great life and as parents we want to pass on the lessons we have learnt, so our children can avoid making the mistakes we made. Over the coming weeks we will be focusing on the importance of teaching children good life money skills.

The Federal Treasurer brought down the budget last week and announced we would all be receiving personal tax cuts. Three days later this passed through parliament and it’s now law. We’re all going to be getting more in our take-home pay each week. So today’s episode of Succeed With Money looks at our options for what to do with this money…. which makes it an episode not to be missed!

3.5 million Aussies benefited greatly from Job Keeper payments. These payments were designed to keep staff attached to employers while the business’s income was down due to Corona Virus. There are many who will now be facing a change in their financial experience and the reality of having to face up to life after government support and protection from loss of income.

In this episode of Succeed With Money Podcast David interviews Chris Freeman from 'Design A Decade'. Chris tells the story of his own personal successes and failures and the lessons he learnt that now allow him to teach others how to plan the decades of their life to enjoy success on many levels. It's a very interesting interview... which makes this an episode not to be missed!

If you were a prime minister, a king or queen, or perhaps the president of an important country, you would have security staff whose entire time and energy would be dedicated to keeping you safe. To do that every journey you took, every speech you made and every meeting you had would be assessed for the possible risk of something bad happening to you. OK so you are actually not the prime minister or the queen, but does that mean that taking risks is OK for you? Have you ever stopped to consider the risks you are living with each and every day?

Have you ever thought about where money comes from? Right now governments around the world are spending lots of it to keep their economies going. That's borrowed money that has to be paid back! But where does it actually come from and where does it go? If you think of each week's pay as seeds that could be spent and given to others, you realise some of them could be saved and planted to grow massive trees for your own prosperous future over time.

Choosing to make the commitment to purchasing a home, or deciding it is better to rent is something that often comes up for debate. In today's episode of the 'Succeed With Money' podcast David and Carolyn explore the pros and cons that might influence your decision either way so they can maybe help you answer the question; is it better to buy a house or rent one?

One of the basic needs all humans have is shelter. Owning your own home is the ultimate form of shelter so when I recently met Lindsey Galloway, who calls herself a 'New Property Concierge' I was interested to find out all about what that is, and how a New Property Concierge helps people to get into their first home faster. In today's podcast, David interviews Lindsey to find out all about what she does.

If money stress is painful, why do people go into debt? Is there something attractive about debt that lures us out of our safe place and into the perils of owing someone else money? Obviously there is or we would not go there! If I were to tell you that debt was only a problem if it was bad debt, would you start to wonder what planet I was from? How could debt possibly be good? Today in the Succeed With Money podcast David and Carolyn are looking at the difference between good debt and bad debt and how we can all make better debt choices.

The family you are born into can give you an advantage or a disadvantage when it comes to your financial journey, but, when you boil it all down, we all have the opportunity and the responsibility to learn to manage money well and create wealth in our lifetime. If you do not make it your mission to learn financial principles, you will never be without money stress and you will very easily fall into the debt cycle that has so many people trapped.

The family you are born into can give you an advantage or a disadvantage when it comes to your financial journey, but, when you boil it all down, we all have the opportunity and the responsibility to learn to manage money well and create wealth in our lifetime.

Do you remember your early adult life? How exciting was it to finally have arrived at the doorstep of life on your terms? Do you remember some of your firsts? First date, first kiss, first car, first job??? What an exciting time it was! Of course, it wasn’t always perfect! Do you remember your first speeding ticket, your first bust-up with a girlfriend or boyfriend? It wasn’t all roses but it certainly was a great time! Looking back it’s hard to believe we were so vulnerable and so at risk, yet we were so totally oblivious to that fact at the time! The truth was that we really had no idea about what we had no idea about... and it was great! Sometimes ignorance is bliss. This week David and Carolyn look at the life journey and the kind of things we all should be learning along the way. Every decade has its own pleasures and challenges that we need to embrace. It’s a really interesting topic…. which makes this an episode not to be missed!

They say it takes all kinds of people to make up the world. If you look around in a busy city street you will realise just how true that is! Some years ago the speaker at a conference began by saying there are three kinds of people in the world: Those that make things happen; those that watch things happen; and those that just wonder what happened. While this may sound a bit humorous at first, it is actually quite scary to think just how accurate he was. David and Carolyn look at how important it is to be someone who makes things happen and what you can do to stop being a passenger or an observer and get in the driver's seat…. which makes this an episode not to be missed!

Have you ever had harsh words with your spouse because of a money related issue? Love and Money are the hardest two words to fit into the same sentence! Sadly, around half of all marriages in this country end in divorce and THE biggest killer of romance is money stress! In this Podcast David and Carolyn look at why romance sufferers from money pressures and how to make sure your romance is not destroyed by your finances which makes this week's episode one not to be missed.

According to this week's Money Magazine newsletter, in the 1600's people struggled with the Bubonic Plague and how to pay for food and shelter every week. In 2020 people are struggling with the Coronavirus pandemic and how to pay for food and shelter every week. Not much has changed! So the question is, WHY? Why do people still have money problems/stress in 2020? In this week's Podcast David and Carolyn look at some of the blockages to being Successful with Money ..... which makes this week's episode one not to be missed.

You've probably heard the age-old saying, "You Can't Have Your Cake and Eat it Too!". In this week's podcast, David and Carolyn look at the question… "Is it possible to have a wickedly abundant, flamboyant, exciting, amazing, a great life, and still have money saved up for retirement?" which makes this week's episode one not to be missed.

A financial services professional said to David a few days ago that it's not uncommon to have a client say, “I need a new Credit Card because all of my current ones are full”. What this statement showed David is that there are people who actually see a Credit Card as a legitimate source of income. The question is, how did we get here?! How could someone be so financially naive (or maybe so desperate) to believe that getting yet another Credit Card is a legitimate solution to the problem of having a bunch of cards that are already maxed out...? Today's Podcast episode is titled 'The Credit Card Pandemic' and it is an episode not to be missed.

If you look back through history you will find many examples of people who earned piles of money but ended up both broke and miserable. It's only a small percentage of the population who end up being able to do what they want when they want, in retirement, but the odd thing about this fact is that they are often NOT the people who earned the most money. This week David and Carolyn look at what they see as THE most important ingredient in Succeeding With Money... which makes this an episode not to be missed.

Have you seen the statistics on what happens to people who win the lottery? Within 12 months 70% have very little or nothing to show for their winnings and it's common for them to actually be worse off than before they had the windfall. It begs the question, "How Much Money is Enough?" It's a great question and it's the topic for today's podcast... which makes this an episode not to be missed.

In this week's episode of the Succeed with Money podcast, David and Carolyn ask the question, "Do you really need to keep financial records?" and in the process look at the many different ways people attempt to take control of their money. It's a great topic! So many people keep financial records for no real benefit... which makes this an episode not to be missed.

It was once believed that Lemmings would commit mass suicide in a strange act of self-sacrifice. Of course, there is no connection between the bizarre natural phenomenon that led to this misguided belief and your success with money... or is there? Episode 34 of Succeed with Money is definitely not to be missed!

In this episode of the Succeed with Money podcast, David and Carolyn ask the question, “Are You Financially Intelligent?” So many people over the years have said to us that they were never taught about money at school, so what hope have we got of ever achieving any level of Financial Intelligence? It's a great question and it's the topic for today's podcast.... which makes this an episode not to be missed.

In this episode of the Succeed with Money podcast, David and Carolyn look at how easy it is to get drawn into a debt spiral from what can appear to be 'bad luck'. The easiest way to solve any problem is to throw money at it, but there is always another option that leads to a much healthier financial outcome. This an episode not to be missed.

Opening the Financial Pandora's Box Most people have locked their financial woes away in the cupboard with a big padlock and a ‘do not go there' sign. That's because Pandora's box is in there and the ‘poop' is going to hit the fan if you open it. In this week's episode of Succeed with Money, David and Carolyn interview a Spending Planner client who smashed the padlock and opened Pandora's box.

Things We Need But Don't Want for Financial Success In this episode of Succeed With Money, David and Carolyn talk about Birthday Cakes, Superman, Mother Theresa and Confucius. They aim to answer the question ‘Why are there things we need to do to be successful with money that we just don't want to do...?'

COVID-19 And Your Financial Plans It's a worrying time, and financial worries are just one element of the current pandemic crisis. In this episode, David and Carolyn talk about the pandemic and explain why they think everything is going to be OK. They cover their experiences with at least four major financial crashes, and what to expect from the future.

You can buy just about anything you want these days. Cars that think for themselves, phones that do much more than making phone calls... but do these things really make us better off? In today's episode of Succeed With Money, we'll talk about how people are rethinking what's important, with possessions moving further down the list than they were before.

Sometimes, when you're unhappy with where your life is heading, you need to take a leap of faith and do something a bit out of character. That applies to financial planning as much as anything. That's exactly what Matt Jones, from the Brisbane Property Networking Group, did. In this episode of Succeed With Money, David chats with him and gets to know his story.

Interview: Clive Enever’s Tips for Success with Money Clive Enever is a successful businessman and now business coach. In this episode of Success With Money, David chats to Clive about the life lessons that helped him take control of his finances and succeed in businesses. They cover advice and tips for success with money and financial planning.

There are so many hurting, confused and angry people at the moment. People who have lost total incomes, some who have lost partial incomes, some may need to apply for Government benefits, and others may need to visit Welfare agencies. David and Carolyn look at some practical things that people can do right now that will help you to weather this current crisis.

As Aussies, we're renowned for our laid back lifestyle. We live in a very lucky country where we CAN live by the philosophy “She'll be right mate!” most of the time. However, there is a price to pay for doing so! David and Carolyn look at the dangers of just ‘going with the flow.' They discuss how hard it is to succeed with money if you don't set clear money plans and take the time to decide what it is you actually want to achieve financially.

The very thought of talking about money with your partner can strike fear into the hearts of many people. Money is a topic people avoid talking about and financial crisis is an issue that most people stuff in the closet. Today in Succeed with Money, David and Carolyn will be shining a light on the issue and talking about 10 reasons why people avoid home budgeting.

In today's episode of Succeed with Money, Carolyn has a rant about how fear, shame and embarrassment are holding people back from getting the support, education, and tools they need to finally close the door to money stress. She talks about how we can move into a much brighter outlook for a permanently better financial future.

Have you ever felt like you're between a ‘Rock and a Hard Place' financially? Your financial choices have brought you to a place where you're struggling. You can't see an easy way forward, but there's no way back either. I think we've all been there! It can feel truly frustrating and like you're stuck spinning your wheels. David and Carolyn define exactly what a Rock and a Hard Place are. They give some great insights into the different reasons we can get stuck there, and how to get moving again.

Most people wish they had lots of money, but wishing doesn't deliver results, so that's about as far as the dream goes. However, there are those people who not only wish; they're prepared to do what it takes to make the wish a reality. Nhan Nguyen (pronounced N-yung New-en) was your average Aussie uni student studying Science when he picked up and read a book that changed his direction. He dropped out of university and became a very successful property investor. For this week's episode of ‘Succeed With Money' David interviewed Nhan, and here is what he had to say...

In this podcast Carolyn and David look at how important passion and excitement are when it comes to generating extra income. Passion is the secret ingredient that makes people succeed where success seemed almost impossible. If you can harness your passion — like all the world's successful people — you'll reap rewards that go far beyond just your finances.

Sometimes, big life events just ‘happen', and catch everyone (and their financial plans) by surprise. In this episode, David and Carolyn look at what happens when an unexpected ‘Life Happens' kind of event comes out of the blue. They talk about how to cope and how you can be better prepared for the unexpected before it happens.

This week in Succeed with Money, David and Carolyn look at the things that stop us from doing what we know we should do to improve our finances. We all know the simple rules that lead to wealth, but an alarmingly high number of people fail to implement. Often, this is because they get so pre-occupied with hobbies, habits, and other interests that they almost become addictions.

Over 100 thousand students finished school in Australia at the end of last year. Unfortunately, many of these young adults are walking straight into a string of financial mistakes. By the time they're 20, many will have racked up more than $15,000 in debt on consumer goods. In this episode of Succeed With Money, David and Carolyn give a few sensible money tips for school leavers who are now starting out on their life journey.

As the New Year's Eve hangover fades, many of us are left with a debt hangover from the festive season that's a little harder to budge. When the credit card bill arrives in January we get our Christmas “report card” showing how well we performed... and the results often aren't pretty. In this episode of Succeed With Money, David and Carolyn look at ways to overcome the January credit card hangover and cross that money stress item off your list forever.

At the end of each financial year, we do our tax returns and find out how much we earned in the last year. And for most people, it can be scary to realise just how much money slipped through their fingers! This week David and Carolyn look at the question “Where did all my money go?” and provide some really helpful insights to help answer this question. More importantly, they give some great money tips on how to take control of your expenses so next year can be your best yet.

You might be surprised to learn that the first working day of the year is known as Divorce Day by the legal fraternity. Not very fun-sounding, but also not really surprising when you think about it. It's at the beginning of a new year that we start thinking about what we would like to do differently in the year ahead, and that might involve the realisation that it's time to move on from an unhappy relationship. One of the most common causes of conflict in a relationship and eventual divorce is money pressure, so in this episode of Succeed with Money David and Carolyn look at how to create financial harmony in the home.

It's the time of year to be generous and enjoy giving gifts to the people you work with, your family members and people you don't know who are less fortunate. However, money stress and debt can take its toll! You probably know someone you would call a Christmas Grinch. You probably also know someone you would refer to as a grinch all year round! But what exactly is a Grinch and what causes them to become so miserable that they have lost the Christmas spirit and the spirit of giving in general? In this episode of the Succeed with Money podcast, David and Carolyn look at how money stress can steal your happiness and turn you into someone who you would never have wanted to be. They also look at how to reverse this to find the real you that exists beyond money stress.

With only 12 days until Christmas, this is a ‘must listen' episode of Succeed With Money in which David and Carolyn discuss a really powerful strategy to look back at 2019, and achieve something in 2020 that you had given up on or were beginning to think you would never achieve. If you've been feeling like you're more of a passenger in your own life rather than being the captain at the helm, this episode is for you.

Have you ever failed at carrying out a New Year's Resolution? Have you given up at even setting them because of the number of times you failed? In this episode of Succeed With Money Podcast David and Carolyn look at how to actually make positive changes in the year ahead. Listen in and find out how to overcome the frustration that comes from saying you will make a change in the year ahead and not actually following through. Enjoy!

In this episode of Succeed With Money, David and Carolyn talk about the Christmas School Holidays, which is often a financially stressful time. We'll give you budget advice and show you not just how to get through in one piece, but to have a great time that the kids will remember for years to come — all without breaking the bank.

The crazy commercialised Christmas season is upon us once more. If you're looking for ways to navigate the chaos and come out in better shape than last year, this podcast is for you. Some of Carolyn's 'Christmas Tips' was published in the online Money Magazine last year, so listen in as David and Carolyn look at these and more in this episode of Succeed With Money!

Nobody likes being stressed about money, buried under a mountain of expenses, struggling to pay for the things that make life worth living. Most people are caught up in the misguided belief that these financial woes will melt away if they simply earn more money. In this episode of Succeed With Money, we talk about why that belief is wrong and explore the real reasons for money stress and how to be much more successful with financial planning.

Being lost financially can impact your life and your family's lives in all kinds of ways. In this episode of Succeed With Money, we'll show you the four simple numbers you need to know to take back control and get back on track for financial success. If — like many people — you don't know about these four numbers, you're far more likely to end up lost, stressed, and going nowhere fast when it comes to money planning.

In this episode of Succeed With Money, we look at the new Credit Scoring system Australians did not ask for, but we got it anyway. Unfortunately, the new system is packed with flaws, and if you don't know how to work the system properly you may end up paying higher interest rates or simply not getting a loan at all when you want (or need) one.