It’s easy to dismiss the small fees and expenses, but these erosions accumulate, often unnoticed, and can have a major impact on your future wealth.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn unpack the concept of Wealth Erosion - the small, compounding factors that can significantly reduce your wealth over time, often without you realising.
Join John and Mason as they explain how erosion differs from loss, outline the financial, economic and behavioural eroders, and share tips for preventing these habits from compounding into larger, long-term setbacks.
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Risk is everywhere. In markets, in behaviour, and in the choices we make with our money. However, not all risks are bad, some just need to be understood and managed.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder unpack the many sides of risk, from financial, behavioural, to emotional.
Join John and Ayten as they break down the different types of risk, how to mitigate them effectively, and how financial planning can ease the stress of uncertainty.
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Investing isn’t about trying to time the market, it’s about setting a goal, choosing the right strategy, and having the discipline to follow it through.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari explore the essentials of investing: dollar-cost averaging, rebalancing and risk tolerance.
Join John and Anthony as they break down how they work, when they help, and the role of behaviour and knowledge in staying disciplined with each strategy.
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Over the past five years, financial advice has made a progressive shift toward a more holistic financial advice model.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn unpack the differences between traditional and holistic financial advice, as well as how they work with their clients.
Join John and Mason as they explore our goal-based, purpose-driven approach to financial planning, the role of ongoing coaching, and how to choose the approach that’s right for you.
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Setting your kids up isn’t just about the money you give them. It’s about the habits you build and the knowledge you pass on to help them create wealth for themselves.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder explore investing for your kids, what compound interest is and how it works, and the idea of “compounding knowledge.”
Join John and Ayten as they cover ways you can invest for your kids, key tax, time and risk considerations, and how to blend financial literacy with investing and compound interest to give your kids a head start in life.
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Building wealth doesn’t have to be complicated. It starts with small, consistent steps in the right direction that compound over time.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Mason Thorn unpack the seven lessons from the classic finance book, The Richest Man in Babylon by George Samuel Clason.
Join John and Mason as they turn those parables on saving, investing, and wealth-building into simple, actionable steps for your finances.
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There are plenty of “pay-it-off-faster” mortgage strategies, but if they don’t fit your situation, or aren’t done correctly, they can push you deeper into debt instead of getting you out.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caliari unpack key lending features, from offset accounts and interest rates to using equity, debt recycling, and more.
Join John and Anthony as they explain what these strategies mean, how they work, and when they are most appropriate and when they’re not.
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Buying your kids a car or a home is generous. However, teaching them how to buy their own is generational.
In this episode of Cash Talk, multi-award-winning Australian wealth advisers John Cachia and Mason Thorn unpack how parents can help build financial literacy with their 15 to 25-year-olds and have real conversations about creating and managing wealth.
Join John and Mason as they explore when to build wealth for your kids, when to build it with them, and when to step back, so they can learn to do it themselves.
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Whether you’re a young couple, a renting family, or a parent helping your kids, buying a first home is a major milestone in your financial life.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers and Mortgage Brokers, John Cachia and Anthony Caligari explain how lenders assess first-home buyers, covering borrowing power, deposits, LVR/LMI, gifting rules, and money-saving concessions.
Join John and Anthony as they provide expert tips, debunk common myths, and help you avoid costly mistakes so you can make a confident start in the property market.
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Family trusts are a buzzword at the moment, but they’re not always the right fit for everyone.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas (JK) break down what a family trust is, how it works, and when it can actually add value.
Join John & JK as they unpack the benefits, the pitfalls, and the biggest misconceptions. If you’ve ever wondered whether a trust is right for you, this episode will give you the clarity you need.
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It’s not about how much you earn. It’s about your structure, your spending, and your habits.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caliari share strategies for building a surplus, controlling lifestyle creep, and aligning your spending with your goals, so you can get ahead without feeling restricted.
Join John and Anthony as they explore how to set realistic savings targets, build a cashflow structure, and create alignment with your partner to work toward your shared goals.
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As your goals, lifestyle, and age evolve, so should your investment strategy, because the approach that works at 30 isn’t the same one you need at 50.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and John Koutsouroupas dive deep into how your financial needs, behaviours, and risk appetite change over time, and why your investment strategy must grow and adapt with you.
Join John and JK as they share their personal investment journeys, the philosophies they use when investing for their clients, and how strategies shift to suit each stage of life.
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A new financial year brings new changes, fresh opportunities, and the perfect chance to take control of your financial position and where you want to be in the year ahead.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caliari break down the key FY25 changes that could impact your wealth strategy.
From the super guarantee increase to tax-saving contribution strategies and the proposed Division 296 tax law, they explain what it all means for you.
Join John and Anthony as they share their tips for getting ahead this financial year and how to start turning your goals into reality
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You’ve read a couple of books, set goals, maybe even downloaded a budgeting app… so why hasn’t your financial life transformed?
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Dr Philip Courtenay, founder of Humans & Money, helping individuals and businesses transform by tapping into the science behind our financial decision-making.
Together, they unpack the deeper reasons we struggle to take meaningful action with money, diving into mindset, behavioural blocks, urgency, and the psychology of motivation.
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You might be earning more, but without a clear picture of what “on track” looks like for you, how can you tell if you’re getting ahead?
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Anthony Caligari unpack what it really means to be financially “on track”, and how to align your money with a fulfilling life on your terms.
They explore the behaviours, habits, and mindset that lead to progress, from making the most of your surplus cashflow to building strong foundations and giving your money purpose beyond just income.
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From the outside, people see John Cachia’s success, lifestyle and wins. But behind the lifestyle is a story of decades of hard work and sacrifice.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Koutsouroupas (JK) is joined by Burcu Cachia, wife of John Cachia and the real boss of the family, to explore what it takes to create a life built on teamwork, a shared vision, and fulfilment.
Join JK & Burcu as they reveal what John is really like behind the scenes, how they teach their kids about life and money, and how they juggle the chaos of life with enjoying the present.
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Thinking about getting a buyer’s agent, but not sure if it’s worth it or just another expense?
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Matt Skehan from Azure Buyers Agents to explore what a buyer’s agent really does, and why their role is becoming increasingly valuable in a competitive market.
They also break down who benefits most from using a buyer’s agent, how to choose the right agent, and how expert guidance can help you avoid costly mistakes and make smarter, more aligned property decisions.
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Everyone’s talking Cryptocurrency, but is it just FOMO or a must-have in your portfolio?
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia is joined by Head of Digital Assets, Justin Arzadon, from Betashares, to debate whether Crypto belongs in a well-diversified portfolio.
While Betashares embraces crypto as a new asset class, John remains cautious, questioning when (or if) it’s the right time to invest in it.
Together, they explore different types of digital assets, risk management, the role of education, practical tips for investors at every stage, and more.
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You don’t need to be rich, older, or ready to sacrifice your lifestyle to benefit from financial advice.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Adviser John Cachia and Leah Bonnacci unpack the most common misconceptions that we often hear preventing people from seeking financial advice.
They explore why financial advice isn’t just for the wealthy, how it can support your lifestyle (not limit it), why the best time to get advice might be sooner than you think, and who it’s truly for.
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Financial advice isn’t just about retirement; it’s about creating a life where your money supports your goals, instead of holding you back.
In this episode of Cash Talk, Multi-Award-Winning Australian Wealth Advisers John Cachia and Ayten Ozder, unpack why so many people feel stuck trying to “DIY” their finances and the turning points that signal it’s time to seek professional advice.
They share what they look for when working with clients, the benefits of starting early, and why the right adviser does more than manage money - they help you build a purposeful life with clarity, confidence, and time on your side.
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