Ep 98. Rates are up, fuel prices are climbing, and budgets are feeling the pressure. Archie, Tim and Lachy discuss how to stay calm and adjust your cash flow without hitting the panic button.

In this episode:

• Why Archie's seen this before — and what the 80s can teach us about today's cost pressures
• The budget categories taking the biggest hit right now (and where to look for cuts)
• Why thinking in percentages beats tracking dollars
• How to use a volatile season to reset and refocus your financial goals

CORRECTION: We're on Season 5 not 4 (Lachy can't count lol)

💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback

Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au

👉 Follow us on Instagram: @waymakerfinance

IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation

Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz.
www.waymakerfinance.com.au

🎙 Recorded using Riverside.fm

Ep 97. Archie, Tim and Lachy discuss what they learned in 2025 helping Aussies have finances that work. Tune in for this lighthearted and inspiring discussion to wrap up this year!

Thanks for listening to Mind Over Money (Season 4) in 2025. We've almost hit 10,000 downloads. We appreciate you all! ❤️ Love the show? Please Subscribe! Leave a rating or review!

💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback

Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au

👉 Follow us on Instagram: @waymakerfinance

IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation

Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz.
www.waymakerfinance.com.au

🎙 Recorded using Riverside.fm

ENCORE (of Ep 52) Tim, Lachy and Archie discuss communities, how they affect our finances, and why we need experts in our financial community.
Do you have any of these professionals in your community?

• Financial advisors?
• Accountant?
• Insurance specialist?
• Mortgage Broker?
• Buyers Advocates?
• Credit Specialists?
• Share Brokers?
• Business Brokers?
• Solicitors?
• Tik Tok professionals? (just kidding!)

👉 Follow us on Instagram: @waymakerfinance

❤️ Love the show? Leave a rating or review!
💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback

Talk to a Waymaker Advocate or Mortgage Broker: waymakerfinance.com.au

IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation

Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson and Archie Franz.
www.waymakerfinance.com.au

🎙 Recorded using Riverside.fm

Ep 95. It’s great to save money – but saving alone won’t help you achieve your goals. In this episode of Mind Over Money, Lachy, Archie, and Tim unpack the mindset shift from saving to investing, and why it’s essential for having income throughout your life.

We explore:

• The power of compounding: what $10K per year (just $192 a week) could grow into over 40 years at 8% return
• Why most Aussies don’t really save — they just delay spending
• How cars, homes, groceries and entertainment offer hidden savings that can be redirected into investments
• Why starting early matters — and how small, consistent habits create big results

Free resource: 25 Ways to Save and Invest Money

Play with the investment calculator: waymakerfinance.com.au/calculators/investment

❤️ Love the show? Please Subscribe! Leave a rating or review!
💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback
or email podcast[@]waymakerfinance.com.au

Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au

👉 Follow us on Instagram: @waymakerfinance

IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation

Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz.
www.waymakerfinance.com.au

🎙 Recorded using Riverside.fm

Ep 94. Chelsea Goodwin is back on the podcast! Lachy and Tim discuss Chelsea’s new best-selling book, life in Tasmania and cost of living tips.

Get ‘Money-Saving Meal Plans with Chelsea’ at BigW and all major bookstores.

We'll be back soon with Archie and the crew for more money discussions.

❤️ Love the show? Please Subscribe! Leave a rating or review!
💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback
or email podcast[@]waymakerfinance.com.au

Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au

👉 Follow us on Instagram: @waymakerfinance

IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation

Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz.
www.waymakerfinance.com.au

🎙 Recorded using Riverside.fm

Ep 93 Lachy speaks to Jack Patterson from Housemark about why you shouldn’t manage your own investment property, and instead, leave it to a professional!

www.Housemark.com.au is an award-winning property management firm with locations across South East Queensland. This episode is filled with practical tips to help you manage your investment property to get the best return.

Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au

❤️ Love the show? Please Subscribe! Leave a rating or review!
💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback
or email podcast[@]waymakerfinance.com.au

👉 Follow us on Instagram: @waymakerfinance

IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation

Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz.
www.waymakerfinance.com.au

🎙 Recorded using Riverside.fm

Ep 92 (WELCOME TO SEASON 4 PREMIERE!). Archie, Lachy and Tim discuss what really matters when it comes to your home loan, and what you can do about the changes to interest rates. What a cracker of an episode to kick start season 4!

Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au

❤️ Love the show? Please Subscribe! Leave a rating or review!
💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback
or email podcast[@]waymakerfinance.com.au

👉 Follow us on Instagram: @waymakerfinance

IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation

Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz.
www.waymakerfinance.com.au

🎙 Recorded using Riverside.fm

Ep 91. BONUS EP! Tim and Lachy have a yarn about the book The Psychology of Money. Go on... Have a listen!

Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au

❤️ Love the show? Please Subscribe! Leave a rating or review!
💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback
or email podcast[@]waymakerfinance.com.au

👉 Follow us on Instagram: @waymakerfinance

IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation

Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz.
www.waymakerfinance.com.au

🎙 Recorded using Riverside.fm