Mo Money

Mo Money is your go-to podcast for practical, no-BS strategies to help you save more, invest smarter and build real wealth so you can stop relying on your salary and start building financial freedom.Hosted by Ben Nash, award-winning financial adviser, best-selling author and founder of Pivot Wealth, this show cuts through the noise to give you clear, actionable insights on money, investing, property, shares and financial planning and challenge the conventional advice that keeps most people stuck.Drawing on experience helping thousands of Australians build wealth, each episode breaks down what actually works when it comes to:- Growing your wealth through smart investing- Managing your money with confidence- Avoiding common financial mistakes- Building passive income and long-term financial security- Making better decisions with your money fasterDesigned for professionals, business owners and anyone serious about getting ahead financially, whether you're starting out, scaling up

Mo Money is a business podcast hosted by Ben Nash, with 521 episodes on record and a Required Pod Score of 80.

Ben Nash hosts Mo Money, a business show with 521 episodes published.

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  Mo Money

  Should You Move to Singapore to Save Tax?

  Sep 30, 202633 min

  Every second call at the moment ends the same way. The budget has tightened the screws, the pay rise didn't move the needle, so what if we just moved to Singapore? Or Dubai. Or Hong Kong. Ben and Siobhan ran the numbers, and the first thing they found is that Australia is a lower tax country than the UK, Canada, New Zealand and most of Europe. The catch is where we collect it. Almost 43% of every tax dollar in Australia comes from personal income, one of the heaviest reliances on personal income tax in the developed world, and that is exactly why it feels the way it does. From there it gets practical. What you take home on $100k, $250k, $500k and $1 million in Sydney versus Singapore, Hong Kong and Dubai. What those countries charge you instead, from a 60% stamp duty on foreigners to private everything. How you actually get in. The tax bill Australia hands you on the way out. And the two residency tests the ATO uses to decide whether you really left, because the people getting caught aren't the ones who moved, they're the ones who pretended to. WHAT YOU'LL GET OUT OF IT Why Australia's total tax take is below the OECD average, and why it feels worse than that Take-home pay on $100k, $250k, $500k and $1m across Australia, Singapore, Hong Kong and Dubai Zero capital gains, zero on dividends and zero on interest, and what these countries charge instead The employment pass, the top talent pass and the golden visa, and what each one costs to qualify for Monaco, the Caribbean, Vanuatu and the other places that make the list The deemed disposal tax bill you pay when you leave, without selling anything Source tax versus residency tax, and why your Australian property still gets taxed The six-month test and the centre of vital economic interest Who relocating actually works for, and who ends up worse off The tax-smart moves available to you if you stay CHAPTERS 00:07 Should you move to Singapore to save tax? 01:33 Australia is below the OECD average, with one big but 03:50 Why the pay rise stopped moving the needle 04:30 Singapore, Hong Kong and Dubai, why those three 05:46 Take-home pay on $100k, $250k, $500k and $1m 08:13 One year in Dubai equals five years here 09:22 Zero CGT, zero on dividends, zero on interest 10:09 Tax residency is the whole game 11:23 How these countries tax you instead 12:13 Getting in: employment passes, talent passes and golden visas 15:37 Monaco, the Caribbean and Vanuatu 19:21 The deemed disposal bill on the way out 20:20 Source tax versus residency tax 24:19 The six-month test and centre of vital economic interest 26:16 Line-ball residency cases 28:37 Who this actually works for 29:38 Is it worth six months away from your family? 30:36 The tax-smart moves if you stay 32:33 Wrap Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

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  Mo Money

  The Post-Budget Investing Playbook w. Hugh Robertson

  Sep 23, 202648 min

  Hugh Robertson reckons the world changed for Aussie investors on 12 May. For years the playbook was simple. Earn well, borrow, negatively gear into residential property and let the market do the rest. The budget took a fair chunk of that off the table, and now a lot of people with money to put to work are asking the same question. What's the play now? Hugh runs Centaur Financial Services, sits on the Barron's Top 100 adviser list, and has been a mate of Ben's for over a decade, which means he doesn't get to be diplomatic. In this one he walks through exactly what his firm changed in client portfolios after the budget, why they've gone underweight Australian shares, and the asset classes they're now allocating to that they never touched before. We also get into the commercial property pitch flooding everyone's feed, and why two emerging markets ETFs can hold completely different countries. Hugh explains what big tech raising debt tells you about where the US market sits, and puts Ben through the maths question about a 50% fall that trips up almost everyone. Then the honest bit on stock picking, why only around one in ten active managers beats the index over a decade, and what Hugh thinks matters most for investors over the next six to 12 months. CHAPTERS (raw recording times, re-map to the final cut before publishing) 00:00 Intro and the list that actually counts 01:27 The world changed on 12 May 03:38 Where ambitious investors go now 04:06 The commercial property trap 06:48 What Centaur changed in its portfolios after the budget 08:17 The nanny state and the aspirational investor 11:00 How much the CGT changes drove the shift to global 12:11 The fully franked dividend obsession 13:12 Total return and where wealth sits once trusts are gone 14:26 ETF, managed fund or direct 15:17 Investing at all-time highs 16:58 AI after the picks and shovels 18:49 Emerging markets and the South Korea trade 20:09 Two emerging markets ETFs, two very different baskets 21:01 Staying in the US and backing the jockey 22:06 Same profit, half the price 22:47 Infrastructure as inflation protection 24:09 Locked-up money and closed-end funds 24:44 Private markets, evergreen funds and secondaries 25:59 Comparison is the thief of joy 26:42 Is the US market overcooked? 28:10 The canary in the coal mine 29:20 SpaceX, IPOs and Aussie super money 31:07 Where the opportunity actually is 33:47 Global small caps and the information edge 36:21 Only one in ten active managers beats the index 37:22 Accumulators want volatility, retirees don't 38:09 The maths test almost everyone fails 39:17 GFC lessons and the free lunch 40:44 When DIY stops making sense 42:52 Boring portfolio, interesting life 43:34 Don't get mad at your adviser when markets fall 45:06 The most important thing for the next six to 12 months 46:29 Why not to ask AI for financial advice Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

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  Mo Money

  A Six-Figure Tax Bill and No Way to Pay It [Money Diaries w. Maddy and James]

  Sep 16, 202640 min

  Maddy and James are both senior, both earning well, and last year they opened a tax bill with six figures on it and no idea how they were going to pay it. The problem was never income. It was employer equity. Every vest built the paper wealth and the tax liability at the same time, and they'd been covering it by selling shares and draining savings, three times over. Then they upgraded the house, sold more stock to fund the stamp duty, and the cycle got worse. This is how they got out of what they call tax jail, and what changed once they did. Twelve months on they're comfortably up six figures, they've got pre-approval on an investment property, an ETF portfolio, and they're talking to architects about the renovation. WHAT YOU'LL GET OUT OF IT Why a bigger salary and an equity comp plan created a problem instead of solving one The trap of selling shares to pay the tax on shares, over and over Concentration risk when your income and your portfolio come from the same company Why they held every vest for years, and the moment that changed Getting burned by a previous adviser, and what they would look for now How the budget capital gains changes made them pause an investment property Ten years of lost super across four funds, and how it finally got fixed Why top few percent earners still end up shuffling money at the end of the month Debt recycling, offsets and the strategies they had never heard of CHAPTERS 00:03 Rapid fire round 07:09 Intro 07:35 Senior, well paid, and still stretched 09:53 The moment the tax bill landed 10:32 How they found out, and the options they weighed 11:35 How they'd been handling it before 12:43 What Sunday night money chats looked like 14:16 The moment they decided to act 15:05 Concentration risk in employer shares 18:00 What it would have cost to keep going 18:58 Getting burned by a previous adviser 21:43 Selling vested shares, then versus now 25:12 What they used to believe about money 27:25 What surprised them about the process 29:47 The decision they now make differently 31:27 What used to keep them up at night 32:43 What's possible now that wasn't 12 months ago 33:29 A refinance in five days 33:59 What's different day to day 36:19 Ten years of lost super, sorted in weeks 37:07 What actually changed about their lifestyle 38:41 Sunday night money chats now 39:39 Why they paused the investment property after the budget 42:11 What Ian said that stuck 44:00 What makes the fees worth paying 45:27 Advice to their 21 year old selves Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

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  Mo Money

  #519 70,000 Australian Kids Are Already Investing w. Craig Keary

  Sep 9, 202626 min

  There are more than 70,000 kids' investment accounts sitting on one Australian platform, and it's the fastest growing part of the business. Craig Keary is the new CEO of Raiz, and before that he spent thirty years across HSBC, CBA, Westpac and AMP Capital, plus a stint running Selfwealth. Craig shares what he's seeing across 350,000 active accounts, including what people actually did with their money through the tariff volatility and the Middle East tensions, and whether the budget changed anyone's behaviour at all. We also get into why younger Australians have almost no home country bias, and the habit Craig reckons costs investors more than fees ever will. WHAT YOU'LL GET OUT OF IT What 350,000 accounts show about how people behave when markets get ugly Why kids' accounts are growing faster than anything else, and what parents are getting right Whether the budget's property tax changes have shifted anyone's investment strategy The generational split between global investors and franking credit hunters Why dollar cost averaging beats trying to pick your moment What investing looked like thirty years ago at 2.5% commissions Whether today's tech giants are just the railways of a century ago The ego problem that quietly wrecks good portfolios CHAPTERS 00:16 Intro 00:56 What's changed in markets and the world 02:27 Time in the market beats timing it 03:09 What 350,000 accounts actually show 03:44 Why kids' accounts are the fastest growing thing 05:40 Has the budget changed anyone's behaviour 08:12 Gen Z go global, boomers want franking credits 09:30 Why visible progress keeps people invested 10:30 The headlines versus your actual balance 11:48 AI, tech and whether this time is structural 14:19 US stocks coming to the platform 15:19 What investors should get right from here 17:30 Don't chase the trend 19:00 Emergency funds and why they protect the strategy 19:40 Dollar cost averaging and round-ups 21:00 How Craig built his money knowledge over 30 years 22:30 Don't let your ego wreck your investing 23:11 Travel, Waymo and an expensive lesson 23:51 What diversification actually means CRAIG KEARY, RAIZ INVEST Craig on LinkedIn: https://www.linkedin.com/in/craigkeary/ Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

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  Mo Money

  #518 25 Jobs, One Breakdown, 100,000 Followers w. Matt Lakajev

  Sep 2, 202635 min

  Matt Lakajev dropped out of school, got kicked out of home more than once, and worked 25 different jobs before having a breakdown at 27 that sent him back to his parents' place. He then googled how to make the most money without a degree, found sales, and built an audience of more than 100,000 people on the platform everyone claims to hate. This one's for anyone in a senior role who knows their network matters but has never posted a thing. Matt gets specific on why LinkedIn still converts better than anywhere else, what AI screening is quietly doing to your job applications, and why hitting post for the first time takes most people about three years. WHAT YOU'LL GET OUT OF IT Why LinkedIn works despite being, in Matt's words, a Windows 95 sitting next to a MacBook The one thing you can't fake on LinkedIn that you can fake everywhere else What AI resume screening means for how you actually find your next role Trust leverage, and why companies hire the safe 80% performer over the superstar How to handle tall poppy syndrome and the feeling that posting is just showing off Word for word, what your first post should say The kind of knowledge AI can never replicate, and why it's the only thing worth posting The three mistakes that make experienced people look like beginners online CHAPTERS 01:20 Intro 01:42 The 27 years Matt calls his loser era 02:38 Why LinkedIn, of all places 04:30 What actually drove the growth 06:48 The one platform where people can't lie 09:30 Why some people post and most never will 11:22 The opportunity for senior professionals 12:30 AI is screening you out before a human sees you 13:30 Trust leverage and Dunbar's number 14:30 Why hiring is really about de-risking 16:09 Where to start if you've never posted 17:30 Messages people actually reply to 18:56 Open curiosity loops 19:30 Tall poppy syndrome 21:21 Two rules for posting 21:55 Exactly what your first post should say 23:50 Is posting just showing off 26:43 What to post, and the formats that work 28:30 The knowledge AI can't copy 31:43 Post length and image size 32:26 Three mistakes to avoid MATT LAKAJEV, SEVEN FIGURE CREATORS Free LinkedIn Profile Kit, 24 custom Figma templates: https://sevenfigurecreators.com/lm/a-free-kit-to-design-your-linkedin-profile/ Matt on LinkedIn: https://www.linkedin.com/in/mattlakajev/ Matt on YouTube: https://www.youtube.com/@matthewlakajev Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

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