
Episode #29
Building Wealth: Tips for Millennials in Today's Market
Renee Long hosts Fam Brokers’ “Money Chats & Mishaps” with guest Jaeneen Cunningham, a former investment banker with nearly 30 years in financial services who shifted to helping clients after family tragedies. They discuss the hot market, rising investor activity, and why investment decisions, especially via self-managed super funds (SMSFs), must start with clear strategy, cash-flow and tax planning, and understanding personal risk and behaviour. Janine explains SMSF finance isn’t for everyone due to compliance and trustee obligations, shares cautionary stories of clients misusing super funds, and highlights how SMSFs can enable leveraging and diversification, including property, gold, art, and collectable vehicles, and even group investing for millennials without affecting first-home eligibility. She emphasises education, questioning contracts, tax minimisation, trusted referrals, and how to contact her at Terros Finance in Helensvale, plus her domestic-violence charity work. 00:00 Welcome and Guest Intro 00:37 Jaeneen’s Backstory 01:36 Why Strategy Matters 03:03 Behavioural Finance and Risk 04:44 Preparing for SMSF 07:11 Compliance Horror Stories 10:36 What Brokers Actually Do 11:39 Alternative SMSF Investments 13:54 Millennials Teaming Up 16:48 Millennial Mindset Shift 19:31 Retirement Targets and Restructuring 22:16 Tax Smarts and Education 24:24 Fixing Bad Property Advice 25:41 Super Strategy Tax Wins 26:39 Money Mindset Nature Nurture 30:16 Stoic Lessons Question Everything 33:04 Fine Print Rates And Fees 33:59 AI Search Brings A Client 35:54 Where To Find Janine 40:05 Building Trust And Referrals 44:53 DV Support And Wrap Up





