Money Mechanics with Scott Malcolm Podcast Por Scott Malcolm arte de portada

Money Mechanics with Scott Malcolm

Money Mechanics with Scott Malcolm

De: Scott Malcolm
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As human beings we share a commonality. We are all born into the financial system in which we live. On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt.

Welcome to Looking Under the Hood – a podcast all about helping you to unpacking money so you can move towards financial freedom.

I’m Scott Malcolm, I’ve always been curious to understand how things work. When I was a kid there was that one time, I pulled apart our family toaster to see how it worked – sorry again Mum and Dad!

When I became a financial planner – fresh out of Uni in 2000 I had the same desire to get a deep understanding of the money stuff and how to make it work for you.

What I have learnt and seen working with clients is that the Money stuff is no different. If you have an understanding of how the system works and how you relate to it, you can empower yourself for a better financial future.

My aim of this podcast is to give you money insights as we ‘look under the hood’ and unpack how the financial system works, and provide some stories around clients situations I have worked with over the last few decades to give you greater understanding of you and the money in your life.

We will kick of our first series to look under the hood and unpack money in the context of the Australian financial system. While tax and retirement systems change between countries the fundamentals and foundations of money are a shared human experience.

Financial planning weather you are doing it yourself or paying for professional advice, is all about having a decision making framework in place to navigate your life transitions as you move through startup phase, accumulation phase and then into retirement or financial freedom phase.

I look forward to taking on you a journey to unpack your money stuff and get the foundations in place to be living your ideal life.

Thanks for listening! We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!

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Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523

General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.

Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.

Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Past performance of financial products is no assurance of future performance. Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.

Ideally we suggest you speak with a licensed financial planner and seek out personal advice!

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Episodios
  • Unpacking Super Changes from 1 July 2026

    Unpacking Super Changes from 1 July 2026
    Apr 10 2026

    From 1 July 2026, super is getting a shake‑up—and it’s easy to feel overwhelmed by the detail and sometime the complexity of the language.

    In this episode, we walk through key questions covering Payday Super, Division 296 tax, and indexation of the contribution caps and total super balances.

    We’ll help you sense‑check whether your current super strategy still lines up with your long‑term goals— because awareness today can make a big difference for future you!

    Have you checked your super lately?

    Thanks for listening! We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!

    Check out more about us here:

    www.moneymechanics.com.au

    www.scottmalcolm.com.au

    Check out our Financial Service Guide and Privacy Policy here.

    Follow and like us on socials:

    Instagram: @moneymechanics

    Twitter: @moneymechanics

    Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523

    General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.

    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Past performance of financial products is no assurance of future performance. Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.

    See omnystudio.com/listener for privacy information.
    Más Menos
    30 m
  • Unpacking Super Vs Debt Reduction Vs Investment: Where Should Your Next Dollar Go? The Battle of Super, Debt & Investing

    Unpacking Super Vs Debt Reduction Vs Investment: Where Should Your Next Dollar Go? The Battle of Super, Debt & Investing
    Mar 27 2026

    Every year, thousands of Australians hit the same financial crossroads:

    Should I put extra money into super? Pay down debt? Or start investing?

    In this episode, Scott and Ara unpack the emotional tug‑of‑war behind each choice — the security of reducing debt, the satisfaction of future‑you decisions through super, and the excitement (and sometimes anxiety) that comes with investing. We break down the biggest misconceptions, explore why the “maths” doesn’t always match how we feel, and share a practical framework to help you balance all three without overwhelm.

    Plus, we answer a listener’s question:

    “Which of these choices officially counts as ‘being an adult’?”

    And we finish with a mindfulness moment to help you reconnect with clarity, confidence, and your own lived experience of making good decisions.

    Thanks for listening! We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!

    Check out more about us here:

    www.moneymechanics.com.au

    www.scottmalcolm.com.au

    Check out our Financial Service Guide and Privacy Policy here.

    Follow and like us on socials:

    Instagram: @moneymechanics

    Twitter: @moneymechanics

    Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523

    General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.

    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Past performance of financial products is no assurance of future performance. Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.

    See omnystudio.com/listener for privacy information.
    Más Menos
    20 m
  • Unpacking Inflation: Cost of Living Crunch: What’s Driving It & How to Stay in Control

    Unpacking Inflation: Cost of Living Crunch: What’s Driving It & How to Stay in Control
    Mar 13 2026

    Inflation is hitting households hard — but what’s actually behind it, and what can you actually control?

    In this episode, we break down how global events (including rising oil prices and supply chain disruptions) flow into fuel costs, supermarket prices, and everyday expenses. Scott and Ara explore how interest rates affect far more than mortgages, what’s pushing up the cost of living, and the steps anyone can take right now to strengthen their financial position.

    We’ll unpack:

    • The spending habits that change most during inflationary periods
    • What rising rates really mean for households
    • Three practical actions you can take today — no matter what the RBA does next
    • How to separate what’s in your control from what isn’t

    Plus, we tackle a listener question

    “Why do I think I’m saving money buying things on sale that I never planned to buy?”

    And Scott closes with a grounding mindfulness moment to help you stay centred in uncertain times.

    Thanks for listening! We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!

    Check out more about us here:

    www.moneymechanics.com.au

    www.scottmalcolm.com.au

    Check out our Financial Service Guide and Privacy Policy here.

    Follow and like us on socials:

    Instagram: @moneymechanics

    Twitter: @moneymechanics

    Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523

    General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.

    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Past performance of financial products is no assurance of future performance. Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.

    See omnystudio.com/listener for privacy information.
    Más Menos
    21 m
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