What everyone knows is usually wrong. And the narratives surrounding debt are a classic case. In this episode, you'll discover why and how debt IS the most powerful tool for putting your money to work. And why not having and using debt is one of the biggest risks you can take financially. Also in this episode: How early relationships with authority figures shape our relationship with debt Why past experiences of others need to be analysed before being taken on How and why savers lose in a debt-based system The winning money move most experts miss. Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Debt is demonised, but what if it is THE most powerful tool you can wield to build your wealth. In this series you'll learn why 'debt is bad' is one of the most damaging messages in personal finance. Tune in to this ep so discover what we'll cover and why now it the best time to get across it. Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

The Passive Income Project is no more! And in this episode, Ryan and Terry talk through the reasoning for retiring the name. And they explain why Wealth Time Freedom (WTF) was chosen as the new torch. Finally, they reveal the topic for their next series on the podcast. Tune in to find out! Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

If you want to know how to master the money game to win the wealth game (and how they're different) this is the ep you've been looking for. Matt from the Aussie Firebug is back for another epic conversation. This time we discuss his revelations and a shift in direction and focus in his FIRE journey. We examine the good, the bad and the ugly of the FIRE movement. Also in this episode: Travel as the ultimate investment The role of meaningful work vs retirement The unquantifiable value of investing outside of Super Why it's easier to use money made from dividends vs growth-oriented portfolios This episode is packed full of transformational perspectives and powerful truths told in retrospect. It will encourage you to step back, reflect and reset. Resources Mentioned AFB Article: FIRE/Life update Reddit Article: I lost the love of my life because of FI, don't be me Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this ep, Terry and Ryan explain why they're primarily saving in Bitcoin right now. Guided by the intersection of monetary policy, Bitcoin behavior, and seismic shifts in the financial landscape. They also share a few good reasons why you should think twice before buying any at all. Expect to learn: When 'speculating' is worthwhile. The drivers pushing interest rates down, not up Why the big money wants into Bitcoin How Bitcoins 'halving cycle' could catalyse the next bull run. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this ep, Terry scrutinises the latest Rate rise, and the human folly behind it. Then Ryan and Terry detail all the ways we’re likely to trip ourselves up as we enter the most uncertain economic period in the last 30 years. Using the inversion principle, they explore the pitfalls, and preventable mistakes we tend to make when fear hijacks our thinking in times of economic instability. Also in this episode: The two ways we tend to overreact to change Two data points that cause investors to self-sabotage amidst volatility The big career mistake that will cost you peace of mind and progress Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

What if your deepest desires are the key to unlocking unparalleled wealth and fulfillment? We're not talking about the fleeting whims or material possessions, but those profound wants that drive you, shape you, and unleash your true potential. In this episode, we're turning the tables on conventional wisdom and igniting a discourse about the power of wants and desires in propelling personal growth, actualization, and wealth creation. Challenging beliefs and expanding perspectives, we probe into how the pursuit of our wants can spark creative energy and lead to tangible results. We differentiate between wealth and money, urging you to carve out a life not merely rich in money but in experiences and achievements. We touch upon the concept of memetic desire and the need to separate wants that are internally driven from those influenced by external factors. It's about aligning your desires with your best self and not being swayed by societal norms or judgments. Finally, we underscore the power of declaring your wants and breaking free from the fear that keeps you tethered. Through inspiring anecdotes, we highlight how ignoring the judgment of others can lead you to 'blowout success'. It's about finding your leverage, spending time on things that are meaningful, and embracing the journey of actualisation. By the end of this episode, you wouldn't just comprehend what living a wealthy life entails, but also be charged up to embark on your self-actualization odyssey. It's time to declare your wants, chase your desires, and unlock a life brimming with wealth in its truest sense. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this short episode, Terry shares a candid conversation he had with one of Australia's most revered champions - and how it shaped the way he thinks about pursuing big ambitious goals. If you're going all in on something, but you're doubting yourself this episode is for you. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

The debate surrounding the Voice to Parliament has reached fever pitch. And for many of us, constructive conversations are hard to come by. But is this really because we can't agree or don't want the best for everyone? Or are we being played by a political apparatus that doesn't want us to look deeper at the unspoken economic issue at the heart of it all. We all get to make a life-changing decision on Saturday the 14th of October. And getting beyond the headlines is critical if we want to get it right. In this conversation, Ryan, Terry and Mitch do their best to have a thoughtful discussion about internal and external obstacles that are getting in the way of clear thinking and constructive conversation. Resources Mentioned: 👉 Uluru Statement of the Heart 👉 Fact Sheet: Constitutional Amendments 👉 The Voice Handbook 👉 Terry's Article: We're all 'Racist', Let's Fix it Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

We're evolving the way we produce this show. We've heard you for a while now. More of you want more content, more often. In this ep we outline how we're investing more into this podcast and changing our approach to give you more of what you want. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this episode, Mitch Parkins joins Terry to decode and dismantle the biggest money misnomer money: that conditions must change before progress can occur. The most powerful gift you have to create the life you want isn't outside of you. It is within you. Your decisions shape your reality, but indecision only leads to a life of misery. In this episode, Mitch and Terry share everything they've learned combatting the 'miserable maybe' in their own lives. Plus what they've seen and understood helping hundreds do the same. If you've ever found yourself paralysed by decisions that have the power to move the needle in your life, this episode is for you. Also in this episode: Why we're so afraid of decisions (and who's the blame) How to face down your fear of making decisions Why every decision is a 'win' whether it works out or not. The 7 questions Mitch and Terry use to make important decisions that have the power to shape their future. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Are you ready to redefine your relationship with money and turn it into a powerful tool for building your dreams? Tune in as we sit down with Mitch and Brooke, an inspiring couple who’ve done just that. From traditionally divided roles to what they call a 'money project', they’ve transformed their financial lives and in the process, created a life they love. Their journey is an eye-opener about the importance of financial communication, sharing goals and understanding roles in a relationship. We also dive into their mentorship experience that helped them kickstart this transformation. From making assumptions to opening up about their dreams and financial goals, their story is both relatable and aspirational. Mitch and Brooke's shared vision became the driving force behind their financial decisions, proving that when coupled with financial alignment, your dreams are not far from reality. But it doesn’t stop there. The couple’s shift in money management roles and how they started working as a team will have you rethinking your own financial dynamics. Using money mapping and forecasting, they’ve created a life they never wanted to escape from. Can you imagine that? So come join us for a chat that could inspire you to start making sound financial decisions with your partner, and who knows? It just might empower you to transform your own life through financial alignment. Listen now! Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In the first two episodes of the love and money series, we explored the symptoms and revealed the causes of Dysfunctional Harmony. In this episode, you'll discover the cure. Helen and Terry reveal the most important factor for flipping the script, and why the SCARF model reveals for roadmap for reimagining your financial future as a couple. Also in this episode: 07:13 👉 How 'psychological safety' influences your ability to collaborate as a couple 07:55 👉 Breaking down the SCARF model to apply it to couples and money 11:53 👉 Why couples 'burn out' despite their best intentions 20:11 👉 The three different types of accounts you need (and how we configure them) 31:43 👉 The shockingly simple idea that ELIMINATES financial stress and conflict Show notes Click here to see notes on this show and all resources & links mentioned. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Money talk can be a minefield for couples. And for many it often becomes easier to avoid. But by understanding the true sources of tension and conflict, you can transcend it. In the second episode in the Love and Money series, Helen and Terry diver deep into the unconscious jobs we give money, and how these stories undermine our ability to cooperate with others effectively. If you've struggled with money talk in the past, this episode will explain why, and give you the tools you need to succeed. Also in this episode: Why and how most couples tolerate 'norms' they hate Decoding our patterns of existence with The Four Financial Alter Egos Unravelling our money stories through three layers of meaning Access Your Easter Eggs Here 👉 unlock and access the four financial alter egos module 👉 step-by-step conversation planner. Show Notes Click here to see notes on this show and all resources & links mentioned. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In the first episode of this series on Love and Money, Terry is Joined By Helen Wilkie. Helen was featured with her partner Chace in PIP #59 and has now coached couples coming through the mentorship. In this episode Helen and Terry preview the couples series and start by exploring a single question: is the way we're working with money holding us back? To answer that question, you'll learn: How to spot the 5 Warning Signs of Dysfunctional Harmony Why unrealistic ideals lead us astray What being ‘on the same page actually looks like’ If you've ever wondered whether you could be working better together and what that could actually look like, this episode is for you. Show notes: Click here to see notes on this show and all resources & links mentioned. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Ryan and Terry debrief the Jonathan Bi interview and discuss how they're using mimetic theory to better understand life's most important decisions. Also in this ep: How to weed your wants to get more meaning from your efforts A more nuanced pursuit of 'retirement' How to switch your mimetic nature on and off using a key character trait 👉 Level up with Compass Get started using the only habit formation system for personal finance. Show notes: Click here to see notes on this show and all resources & links mentioned. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

Our results and reality are created by our decisions. But our decisions are directed by our desires. So by better understanding and interrogating our desires, we can improve the quality of our lives. In this episode, Terry chats with Jonathan Bi. Jonathan is one of the world's preeminent experts on Renee Girard’s theory of mimetic desire. This conversation brings a more practical, real-world understanding of this idea and how we can use it to more consciously pursue a rich and meaningful life through our life choices. Also in this episode: A fundamental, first principles explanation of where our wants come from How to identify pursuits of ‘prestige’ that leave us unsatisfied How to use mimetic desire to amplify achievement 👉 Level up with Compass Get started using the only habit formation system for personal finance. Show notes: Click here to see notes on this show and all resources & links mentioned. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

In this episode, Ryan and Terry sit down to discuss and debate their takes on PiP#80 with Jeff Booth. And they explore how they are thinking about using this information to guide their investing and career decisions going forward. Also in this episode: The debt debate, is it a wealth tool or a poison chalice? The new paradigm shifts technology is making possible How to create opportunities and wealth in the new economy we're heading into. 👉 Level up with Compass Get started using the only habit formation system for personal finance. Show notes: Click here to see the transcript and links to all resources Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

AI is changing the way the world works - in front of our eyes. And in his best-selling book 'The Price of Tomorrow', Jeff Booth predicted it. In this episode, Jeff calls it as he sees it and details who the winners and losers will be in an AI world. He also explains how he's playing it. Expect to learn: Investment risks for those who concentrate their wealth and are not responsible with debt. The technology 'land grabs' that are opening up right now for the proactive. Why he believes Bitcoin is the safest financial footing to stand on. How our generation can build a new world that benefits all. 👉 Level up with Compass Get started using the only habit formation system for personal finance. Show notes: Click here to see notes on this show and all resources & links mentioned. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.

If you've ever wanted to know more about what's in the money mentorship and how it works, this episode answers every question you ever had. Following up on their 'hacking money habits series' and Rachael Taylor's story, Ryan and Terry reveal the 'secret sauce' behind success stories like Rachael Taylors (ep #78). Specifically, you'll discover how the tools of behaviour science, game design and success pyschology can be used to pursue and achieve your goals. Also in this episode: The design principles and philosophy that underpins the 'Money Mentorship' An overview of four 'evolutions' and the evidence based tools within each The difference between financial education and financial advice. -------------------------------------------------- >>> Book My Action Setting Call <<< ------------------------------------------------ 👉 Level up with Compass Get started using the only habit formation system for personal finance. Show notes: Click here to see notes on this show and all resources & links mentioned. Welcome to Wealth Time freedom podcast.  Where we: Decode the psychology of money  Uncover principles of personal finance And learn how to: Put them into practice This is about  Escaping the rat race and  win the game of life.  It’s personal finance… with big dollop of personal development.  Join the Private Podcast Community Click here to access free courses and trainings, build new habits, and connect with us and others on the journey to financial self reliance. Other links 👇 Money mentorship: Click here to start putting what you've been learning into practice. Corporate program: Click here to find out more about our workplace program Follow us on Instagram: Click here to see behind the scenes of our business and learn more about personal finance in bite-sized chunks.