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: 👉🏽 things to start doing with your money 👉🏿 lifestyle goals 👉 tips to keep you fit and healthy 👉🏾 being prepared for emergencies 👉🏻 things to...

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 save money on housing expenses 👉🏼 how to find an NRAS house For info on NRAS click here! 🛑Please read the disclaimer on our website or at the link...

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 money 👉🏻 the dangers of lifestyle inflation (and how to stop it!) 👉 not letting someone tell you where you should invest your hard earned cash 👉🏼...

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 explains: 👉🏻 how payday loans work 👉🏼 payday lenders you may have heard of 👉🏽 how they make money 👉 what the alternatives are if you need cash 👉🏿...

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 not spend everything he earns 👉🏻 how Gus started a thriving side hustle 🛑Please read the disclaimer on our website or at the link below before...

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 hustle 👉🏾 working overtime at your current job Link to heaps of side hustle inspo from the m3 community here! Listen to Azaria's interview with Nami...

Talking all the money!

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 friends and family... do you really like them? 👉 the spreadsheet they used to break down expenses 👉🏽 professional vs DIY Here's the link to Sarah and...

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 👉🏼 integrating a system to support your goal 👉 why you should definitely read Atomic Habits by James Clear: https://booktopia.kh4ffx.net/aEkRR 👉🏽 how to...

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 compound interest 🤑 👉🏾 finding money communities that are encouraging for you 👉🏼 figuring out how much it costs for you to exist 👉 the benefits of...

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 👉🏿 why getting flatmates is a good idea Chat with us! Use #genzmoney in the my millennial money FB group:...

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 pros and cons are 👉 how it may help you save on tax 🤑 👉🏽 the rules involved and the penalties that can apply 😬 Here's a link to the ATO's...

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 Chat with us! Use #genzmoney in the my millennial money FB group: facebook.com/groups/mymillennialmoney Need a way to manage your cash? Check...

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 what your definition of success is Grab your copy of Glen's book, Sort Your Money Out & Get Invested:...

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 👉🏻what soft skills will help someone considering mining 👉🏾and some tips and encouragement for anyone keen to get their foot in the door Chat with...

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 into going out on your own and becoming a self-employed mortgage broker 👉🏾how much mortgage brokers might expect to make 👉some of the ways to get...

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 might not be aware of 👉🏼what a normal day in the job looks like 👉🏻some of the challenging and rewarding parts of the job - if you love it, it...

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 with and how it led her into the work she does now 👉🏻what the job involves + the difference between dealing with a fraud vs a scam 👉🏿the very real...

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 helped him spread the word and get bookings 👉🏾a couple of tips for aspiring pro photographers 👉the best parts about the job and the challenges 👉🏽how...

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 you ask for) 👉🏾some dos, don'ts and a few hot tips P.S. Go you good thing! We're cheering you on. You can compare your pay to others in...

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 with your money Thanks to Up Bank for supporting gen z money! Sign up with them and get $5 in your new account:...

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? 👉🏽I bought shares (or crypto) for the first time this year, how does that affect my tax? 👉🏿I worked from home this year, what can I claim? 👉🏼I...

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 research before you start 👉🏼over-investing in risky/speculative investments hehe crypto 👉🏿checking your portfolio performance too often 👉🏻not...

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 managed funds 👉🏾the risks involved 👉🏽tips for choosing managed funds Thanks to Up Bank for supporting gen z money! Sign up with them and...