Financial Autonomy Podcast Por Guidance Financial Services: Investing & Retirement Planning Experts arte de portada

Financial Autonomy

Financial Autonomy

De: Guidance Financial Services: Investing & Retirement Planning Experts
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Plenty of podcasts focus on building wealth – and that's great, as far as it goes. But focusing just on wealth misses the point. I believe what most of us actually want is to have choice. Choice in how much time we give to income-producing activities. Choice about what those income-producing activities are. Choice about where we live. Choice about when we retire. Choice about the ways we use our money to produce happiness. In the Financial Autonomy podcast, I explore the different ways you can gain choice - from investing in stocks to becoming self-employed, starting a side hustle, or buying an investment property. I share learnings I've gained working with clients for over 20 years as a Certified Financial Planner, and interview others with interesting insights or experiences in gaining choice in life.Paul Benson Desarrollo Personal Economía Finanzas Personales Éxito Personal
Episodios
  • Is This the End of the ASX? What It Could Mean for Your Investments

    Is This the End of the ASX? What It Could Mean for Your Investments
    Aug 18 2026
    What if one of the biggest changes to how Australians invest is about to happen, and hardly anyone here is talking about it? US sharemarkets are moving towards near-24-hour trading, which could make it much easier for Australians to invest directly in the world's biggest companies during our own business hours. For anyone who has built their portfolio through the ASX, that raises some uncomfortable questions about what comes next. Could investing overseas become cheaper and easier? Does the exchange you use even matter anymore? And if Australian investors have fewer reasons to stay local, what happens to the ASX itself? Paul has a strong view on where this could be heading, and it is not one you hear every day. Then Nick and Paul turn to property, where another long-held Australian assumption is being tested. House prices are falling in some markets, which can feel alarming when a huge chunk of your wealth is tied up in your home or investment property. But if we want housing to become more affordable, can prices really keep climbing forever? This episode is about looking past the headlines and asking what these shifts could actually mean for the way you build and protect wealth. Why the ASX could become far less important to your portfolio than it is today The shift that could make investing directly in the US cheaper and easier than you expect The hidden risk you take on when more of your money moves into overseas markets Why a falling property price does not always mean you are financially worse off The assumption about property that could be distorting the way you build wealth If a large part of your wealth sits in Australian shares or property, this is a conversation worth hearing before assuming the old rules will keep working the same way. FURTHER LISTENING You can find our playlist full of episodes about investing here. WANT PERSONALISED ADVICE FOR YOUR INVESTMENT STRATEGY?: Book an appointment with Guidance Financial Services here. READY TO SORT YOUR FINANCES AND BUILD WEALTH WITH A CLEAR PLAN?: Wealth Builder is our specialised 12-month financial advice program for people in their 30s and 40s. You can learn more about it here. FOLLOW NICK ON LINKEDIN HERE. WANT TO STAY ACROSS WHAT'S MOVING THE MARKETS?: Subscribe to GainingCHOICE, our weekly email unpacking the key headlines and what to pay attention to. GOT A FINANCE QUESTION FOR PAUL?: Send it to paul@financialautonomy.com.au, and it could be featured in his Ask an Expert column each Sunday in The Age and Sydney Morning Herald. You can also find all our links here General advice disclaimer
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    38 m
  • Want to Retire Earlier? How to Build Financial Independence Before 60

    Want to Retire Earlier? How to Build Financial Independence Before 60
    Aug 16 2026
    Want to retire earlier, cut back your hours or reach the point where work becomes optional? A lot of people in their 40s and 50s assume financial independence is still years away because they do not have millions sitting in an investment portfolio. But that may be the wrong number to focus on. If your super is on track to support you from 60, the real challenge may be much smaller: how do you fund the gap between the age you want to step back and the age you can access super? That shift can completely change what financial independence looks like. In this episode, Paul breaks down the decisions that can bring that point closer, from how much debt you carry and where your wealth sits, to whether you really need to live only off investment income. Inside this episode: The shift in thinking that could make retiring earlier feel far more achievable Why chasing a huge passive-income portfolio may be making the goal harder than it needs to be The role your super balance plays in whether you can afford to step back before 60 How your mortgage could be the biggest thing standing between you and more freedom Why drawing down investments can sometimes get you to financial independence years sooner The alternative to full retirement that could give you most of the freedom you actually want If you are earning well but starting to wonder how long you really want to keep working at the same pace, this episode will help you think about what would need to change to give yourself more choice before 60. WANT A PLAN TO WORK LESS OR RETIRE EARLIER? At Guidance Financial Services, we can help you build a financial plan around the life you want, bringing together your super, debt, investments and future income so you can work towards having more choice before 60. Book your appointment here. WANT TO STAY ACROSS WHAT'S MOVING THE MARKETS?: Subscribe to GainingCHOICE, our weekly email unpacking the key headlines and what to pay attention to. GOT A FINANCE QUESTION FOR PAUL?: Send it to paul@financialautonomy.com.au, and it could be featured in his Ask an Expert column each Sunday in The Age and Sydney Morning Herald. You can also find all our links here. General advice disclaimer
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    15 m
  • Are You Investing Too Much in Australian Shares?

    Are You Investing Too Much in Australian Shares?
    Aug 11 2026
    Australian investors have spent decades being told there are good reasons to keep a big chunk of their money at home. We've got franking credits, familiar companies, and the big banks and miners. But what if that old investing playbook is starting to work against you? Over the past decade, the gap between Australian and US sharemarket returns has been enormous. At the same time, some of the industries creating the most wealth in the world barely exist on the ASX. And there is another problem Australian investors often overlook: your shares may not be the only part of your financial life already tied to Australia. So how much Australian exposure is too much? In this episode, Paul looks at whether the traditional case for owning a large allocation to Australian shares still stacks up, what has changed underneath the headline returns, and whether investors need to start thinking differently about where they build wealth. Inside this episode: The decade-long return gap that is getting harder for Australian investors to ignore Why waiting for Australian shares to look cheap may not give you the answer you expect The global growth story the ASX gives you surprisingly little access to One reason your portfolio could be far more exposed to Australia than you realise Why franking credits may be making this decision more complicated than it needs to be The investing argument that made sense 20 years ago but is much harder to make today Why putting more money overseas could actually reduce your risk What the world's biggest companies can tell us about where future wealth may be created If Australian shares still make up a big part of your portfolio, this episode may change how you think about what belongs in it. WONDERING IF YOU'RE TOO HEAVILY INVESTED IN AUSTRALIA? At Guidance Financial Services, we can help you review your portfolio, understand where you may be overexposed and build an investment strategy that gives you the right mix of Australian and global investments for your goals. Book your appointment here. WANT TO STAY ACROSS WHAT'S MOVING THE MARKETS?: Subscribe to GainingCHOICE, our weekly email unpacking the key headlines and what to pay attention to. GOT A FINANCE QUESTION FOR PAUL?: Send it to paul@financialautonomy.com.au, and it could be featured in his Ask an Expert column each Sunday in The Age and Sydney Morning Herald. You can also find all our links here. General advice disclaimer
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    18 m
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