In this episode, Dan talks to Tim Lambert from Spirit Super about making the most of your superannuation. Listen as they discuss actionable items that can help you now and in the future! An estimated 1 in 3 working Australians have more than one super account, resulting in millions of dollars lost each year in unnecessary fees. Learn about the benefits of consolidating your Super into one account. Follow along in exploring how to use tax deductions for personal contributions. Making additional contributions to your super through concessional (pre-tax) contributions can provide significant tax advantages. Learn more about understanding your risk tolerance and choosing the right investment portfolio within your super account – it’s crucial for long-term growth. Spirit Super is a profit-for-members industry super fund with approximately $25 billion in funds under management and over 350,000 members all over Australia. Learn More: https://www.spiritsuper.com.au/ Past performance isn’t a reliable indicator of future performance. Consider the PDS and TMD at spiritsuper.com.au/pds before making a decision. Issuer is Motor Trades Association of Australia Superannuation Fund Pty Ltd (AFSL 238 718, ABN 14 008 650 628). Advice is provided by Quadrant First Pty Ltd (ABN 78 102 167 877, AFSL 284443). Awards and ratings are only one factor to be taken into account when deciding how to invest your super. If you enjoy the show, we’d love to hear from you! Leave a review on the YouTube comments to help other people like you find us and get better with money. Disclaimer We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

Join Dan as he talks to Dr. Lili Sussman, the Chief Strategy Officer at Wisr. Dr. Sussman is a triple unicorn, having earned degrees from Oxford, Yale, and Harvard, and has spent over 15 years in banking and consulting. She joins the show to discuss the power of psychology in managing your money and Wisr's latest product, Wisr Today. Learn about the purpose of Wisr Today, the world's first money and psychology app. Dr. Sussman explains that Wisr Today was created to look into the root causes of financial behaviour and help users better understand themselves so they can manage their money more effectively By using the science of behavioural change, Wisr Today helps users make improved financial decisions, establish healthy spending and saving habits, and provides them with the necessary knowledge and support to attain their financial objectives. Changing your habits is the key to changing your life. With Wisr Today's personalised daily coaching, you can focus on one habit at a time, leading to potential savings of thousands. Wisr Today is the first money app that uses psychology to help you save more and achieve your financial goals. Learn more about Wisr Today: https://wisr.onelink.me/RCWV/sk6n2t63 Wisr Today is now available for download on the App Store & Play Store. https://wisr.onelink.me/RCWV/sk6n2t63 If you enjoy the show, we’d love to hear from you! Leave a review on the Youtube comments to help other people like you find us and get better with money. Disclaimer We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

Pod listeners - head you YouTube to watch the video version of the show! ( Link: https://youtu.be/gQRY9fSSuYM) #sponsoredpodcast in partnership with Kit Join Dan as he interviews Yish Koh from Kit. Yish delves into the importance of behavioural psychology and our kid's financial futures. They talk about the current state of the economy and money hacks for kids of all ages! Kit is an earning-and-learning, mindfully-spending, money-mastering app for kids. Kit comes with a digital and physical prepaid card available in-app. Kit is built by x15ventures, which is wholly owned by CommBank. Kit is an early-stage venture, which means they are endlessly improving and experimenting to deliver the best experience for young people and their carers in Australia. To learn more about you give your kids money super powers visit https://www.heykit.com.au/ Have you got a question or an idea for a topic for us to cover? Get in touch via our Instagram @getwemoney . We love hearing from you. https://www.instagram.com/getwemoney/ If you enjoy the show, we'd love it if you could write a review on YouTube in the comments to help other people just like you find us and get better with their finances. Disclaimer We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation. Need Help? If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.

Pod listeners - head you YouTube to watch the video version of the show! ( Link: https://youtu.be/ZLczKWjV6LU ) - if you want to enter the free merch giveaway, simply comment with your biggest money lesson in the YouTube comments to enter! 00:00 - Intro - We're back! Audio and video format! 01:14 - WeTalkCents & WeMoney's Mission 01:25 - Dan's personal story with money 04:07 - Money news - Inflation and rate rises, hints and tips 06:55 - Say hello to financial wellness, download WeMoney today, for free! 07:52 - WeMoney merch giveaway! 8:19 - Wrap up and what's next Merch Giveaway: To enter, simply tell us what your best money lesson has been to improve your financial life here in the YoutTube comments and we’ll select 5 lucky winners! If you want to budget better or check out your credit score, Download the WeMoney app. It's free! https://app.wemoney.com.au/signup Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram @getwemoney . We love hearing from you. https://www.instagram.com/getwemoney/ If you enjoy the show, we'd love it if you could write a review on YouTube in the comments to help other people just like you find us and get better with their finances. Disclaimer We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation. Need Help? If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.

It's time to bid Blaize farewell. Find out the top money lessons Blaize has learned while co-hosting We Talk Cents. Don't worry, the show isn't going anywhere. We Talk Cents will be back in a new format in August 2022.

Newbie investors, listen up! Assistant Portfolio Manager Jess Leung is here to teach you all about risk & why it's so important to create and stick to an investing plan.

The bad bitch herself, Victoria Shakeshaft from Bad Bitch Money shares her thoughts on money, shame, and the concept of 'keeping up with the influencers'.

Laureate Professor Clare Collins teaches us how you can utilise food to your advantage to outperform your colleagues in a competitive work environment, she emphasises the importance and positive effects of healthy nutrition and the impact that food can have on mood and mental health.

Dr. Lilli Sussman is the Chief Strategy Officer at Wisr. Lilli discusses smart money decisions, and how to shift gears and reminds us that you must have courage and bravery in order to be vulnerable.

The annual financial event we have all been waiting for is here. It's tax time! Learn how you can prepare, and what you can claim (and what you can't) with special guest Alison Stanbridge from DMCA Advisory.

Kurt Walkom from Pearler gives us the rundown on everything you should consider before you start investing.

2 things in life are certain, death and taxes. Which makes us think, what actually happens to your money when you die? Join Blaize as she questions Principal Estate Lawyer Lucy Percy on all things wills, estates and planning for the inevitable.

Dan & Blaize settle the age-old debate, what should you do with your money to build your wealth? Is it better to save or invest?

Dan & Blaize answer a question from a listener & give 5 practical and actionable steps that you can take to get out of debt.

We are thrilled to have the wonderful Joel Kandiah (aka thehistoryof_money) join us for the 3rd time on We Talk Cents. Joel gets raw and real with us as he shares how a stressful time in his life led him to rely on spending lots of cash to feel better. Joel's story will inspire you, excite you and remind you that every one of us is on a different journey with money. As Joel puts it "Do what is in your control and it will all workout in the end."

Professor Paula Jarzabkowski shares her insights on the true cost of floods & cycles of underinsurance in Australia. In Paula's own words "There is no time like the present to be more financially literate.” So press play & enhance your knowledge about home insurance.

Money Savvy Mamma shares her wisdom on the importance of being inspired rather than intimidated when it comes to who you look to for inspiration on your money journey. She also spills the beans on how she's won over $40,000 in competition prizes. (And no, it's not just pure luck!)

Why care about Superannuation? What is Financial Resilience? What are 3 easy ways that you can boost your retirement fund by a whopping $50,000? Get all of these questions answered (and plenty more) by the tenacious Trenna Probert from Super Fierce.

Taking out a home loan is one of the biggest financial decisions you'll make in your life. So will you go DIY and hunt down the best deals on your own? Or will you call a mortgage broker to help guide you through the process?

Entering the property market may seem like a dream that is out of reach for most Australians. If you're a first home buyer you might be curious about the 'rent to buy' schemes that have been popping up lately. Blaize questions Dan about these schemes and finds out that they might be a bit riskier than they seem.