Money and Investing with Andrew Baxter

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. The next inflation wave could be building right under our noses, and the forces driving it go far beyond interest rates and mortgage repayments. In this episode, Andrew and Mitch unpack five hidden inflation drivers that could push prices higher in Australia and what they could mean for your finances, investments and future cost of living. From rising energy and fuel costs to the massive investment in AI infrastructure and data centres, we explore how global economic shifts could create inflationary pressures that flow through to everyday Australians. We also examine labour shortages, construction costs, tariffs and supply chain disruptions, revealing how these interconnected forces could impact everything from grocery bills to housing affordability. But inflation isn't just about protecting yourself from rising costs. It's also about identifying opportunities to position yourself on the right side of the equation. Discover how investors could gain exposure to the energy sector, why developing skills in high-demand industries could prove valuable, and how strategies such as debt consolidation may help you navigate higher interest rates and ongoing inflation. If you're concerned about where inflation is heading and want to understand the forces shaping Australia's economic future, this episode is essential listening. Subscribe, leave us a 5-star review, and share this episode with someone who wants to stay ahead of inflation. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. Why do wealthy investors remain calm when the Stock Market rises or falls, while others panic over every headline? In this episode, Andrew and Mitch explain why the rich don’t care what the Stock Market does tomorrow and how their approach to investing can help you build long-term wealth with greater confidence. The discussion focuses on the importance of patience, emotional discipline, and understanding how time works in your favour. Andrew explains why successful investors focus on long-term growth rather than short-term market predictions, and how constantly monitoring your portfolio can lead to costly investment decisions. They also discuss the role of income-producing assets, compound growth, portfolio diversification, and strategies that can generate returns beyond capital appreciation. From property investments to covered calls, understanding different sources of investment income can help reduce your dependence on daily market movements. Another important lesson is knowing the difference between reacting and responding. When the Stock Market experiences volatility, wealthy investors rely on a clear investment process rather than allowing fear or FOMO to influence their decisions. Understanding why the rich don’t care what the Stock Market does tomorrow could help you develop a more disciplined approach to investing and focus on building lasting financial security. Tune in for practical investing insights, and don't forget to subscribe, leave a review, and share this episode with fellow investors. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. What separates professional traders from beginners? It is rarely a secret indicator or a lucky trade. It is how they manage risk, control emotions and follow a clear process when markets become unpredictable. In this episode, Andrew and Mitch share 10 trading lessons learnt from years of working alongside professional traders. They explain why experienced traders consider the downside before chasing returns, follow written trading plans and adjust position sizes to match market conditions. You will hear why trading psychology matters during winning and losing streaks, how revenge trading can damage an account and how tracking an equity curve can help identify when it is time to scale back. They also discuss the daily routines, independent research and selective approach to financial news that support better decisions. One of the most overlooked trading lessons is knowing when to step away. Taking a break, ignoring market noise and returning with a clear mind can be part of a disciplined trading strategy. If you are building your confidence in the share market, these practical trading lessons will help you think more carefully about risk, consistency and long-term performance. Tune in, then subscribe, leave a review and share this episode with another investor. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. What should you invest in at 25, 35 or 55? The answer changes as your income, family commitments and retirement goals change. In this episode, Andrew and Mitch explain how to build wealth at every stage of life, from your first investment to planning for a comfortable retirement. They start with your 20s, where education, budgeting, property and shares can set the foundation for long-term financial growth. In your 30s, the focus shifts to buying a family home, building an emergency fund and preparing for future expenses. Your 40s bring new opportunities to manage lifestyle spending, invest consistently and consider superannuation contributions. As retirement approaches, your investment priorities change. Andrew explains why reducing debt, investing in income-producing assets and managing financial risk become increasingly important in your 50s and 60s. The conversation also covers health, ongoing education and creating a financial legacy for future generations. Understanding how to build wealth at different ages helps you make informed investment decisions, manage your money effectively and prepare for financial independence. Tune in to learn how to build wealth through every decade of life and make your money work towards your long-term goals. Subscribe, leave a review and share this episode with someone planning their financial future. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. If you had $100,000 ready to invest today, how would you build your portfolio? In this episode, Andrew and Mitch break down the 100K Portfolio Blueprint and show how age, risk tolerance, experience and financial goals can shape the way you invest. Rather than following one fixed approach, they compare how a younger investor may structure a portfolio differently from someone later in life. From growth-focused ETFs and market exposure to diversification, property, precious metals and alternative assets, they explain how different investments can play a role depending on your stage of life. The discussion also covers one of the most important parts of the 100K Portfolio Blueprint: risk management. Andrew and Mitch explain why protecting capital matters, how time can affect your ability to recover from market losses, and why your portfolio should reflect both your financial position and your ability to handle volatility. You’ll also hear their views on ETFs, individual shares, covered calls, gold, silver and Bitcoin, along with the reasoning behind their own portfolio choices. If you want a practical framework for thinking about how to invest $100,000, this episode gives you a clear 100K Portfolio Blueprint to consider. Subscribe, leave a review and share this episode with someone building their investment portfolio. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. The US Stock Market has faced months of uncertainty, with the S&P 500 and Nasdaq struggling to make meaningful progress as investors weigh higher interest rates, inflation, energy prices and slowing economic activity. In this episode, Andrew and Mitch break down why the US Stock Market is under pressure and the major forces shaping where markets could go next. They examine the impact of rising oil prices, weaker consumer sentiment, slowing retail activity and the growing risk of stagflation as higher costs collide with a softer economy. The discussion also looks at rising Treasury yields and why attractive bond returns can pull capital away from shares. Higher borrowing costs are also creating challenges for companies funding major expansion projects, particularly across AI, technology and data centres. Despite the uncertainty, corporate earnings remain strong, creating an unusual environment where weak economic signals are competing with solid business performance. Andrew also discusses market opportunities, portfolio protection, options strategies and the currency risks Australian investors face when investing overseas. If you are trying to understand what is driving the US Stock Market and what investors should be watching right now, this episode provides practical context for the months ahead. Subscribe, leave a review and share this episode with someone following the markets. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. Could your next mortgage repayment put even more pressure on your budget? The RBA could raise rates again, making the outlook for Australian interest rates an issue that reaches straight into your finances. Another rate rise could mean higher borrowing costs, less room for everyday spending and tougher decisions about where your money goes. For investors, it also raises questions about business profitability, property affordability and the impact of debt on investment returns. This episode puts the possibility of higher interest rates into a practical context. Why might the Reserve Bank of Australia consider another increase? How does inflation influence that decision? And what could it mean for your mortgage, savings and investment plans? The focus is on understanding how a rate rise could flow through your finances, from household cash flow to the businesses you invest in. When borrowing becomes more expensive, knowing your exposure can help you assess the pressure on your budget and your longer-term goals. If you’re waiting for relief from mortgage costs or wondering how another rate rise could affect your financial plans, tune in for a clear look at the questions that matter. Subscribe, leave a review and share this episode with someone keeping an eye on interest rates. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and special guest Steve Jermy, retired Royal Navy Commodore and energy specialist. War and rising energy prices can affect everything from your weekly shopping bill to the outlook for your investments. But how do decisions made on the battlefield translate into financial pressure for households, businesses and governments? Drawing on his military and offshore energy experience, Steve joins Andrew to examine the connection between global conflict, energy supplies and economic growth. He shares his perspective on the conflicts involving Russia, Ukraine and Iran, and their potential economic consequences. The conversation looks at how disrupted oil supplies, sanctions and shipping constraints can push up costs across transport, food production and manufacturing. Steve also explains why he believes the cost of living crisis is closely tied to energy, and why restoring supply chains takes time even after disruptions ease. For investors, understanding war and rising energy prices means looking beyond daily market headlines. Andrew and Steve discuss the pressures facing European economies, the risks of weaker growth and the importance of recognising how energy supports business activity. Tune in for a discussion that connects geopolitical decisions with the economic conditions affecting your money. Subscribe, leave a review and share this episode with someone who wants to better understand the forces shaping the economy. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387 Steve Substack: https://stevejermy.substack.com Principles & Practice of Air Defence (Focused on the US-Iran War): https://stevejermy.substack.com/p/principles-and-practice-of-air-defence

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. What can oil prices tell you about your shares? Why do bond yields matter to your property investments? And what happens when strong company earnings stop exciting investors? This week, Andrew and Mitch break down the 5 charts every investor should be looking at: oil prices, bond yields, gold, the US dollar, and S&P 500 earnings. They explain how these indicators connect and what they can tell you about inflation, interest rates, investor sentiment, and investment valuations. Learn how rising oil prices can squeeze company profits and household budgets, why an inverted yield curve attracts attention, and how higher interest rates change the appeal of different assets. Andrew also questions gold’s role as a safe haven and explains why price-to-earnings ratios deserve a closer look before you rely on them. The conversation brings these relationships back to your portfolio, helping you understand the forces affecting shares, property, and bonds. You’ll hear why a regular weekly check can support clearer investment decisions without following every market headline. If you want to understand the 5 charts every investor should be looking at, this episode provides a practical starting point for connecting economic signals with your investments. Tune in, subscribe, and share this episode with an investor who wants to see the bigger picture. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. Are Australian banks in trouble? In this episode, Andrew and Mitch examine the growing pressure facing Australian banks as credit growth slows, mortgage applications fall and property prices begin to pull back. The discussion looks at what a 2% decline in Australian property prices could mean for borrowers, investors and the wider banking system. They break down the risks around negative equity, higher debt servicing costs, loan arrears and potential repossessions, particularly for Australians who have borrowed heavily. Andrew also discusses why falling loan applications could eventually put pressure on bank earnings and valuations. With property investors becoming more cautious and major players reducing their exposure to real estate, the episode asks what these signals could mean for Australian banks and the broader economy. If you have a mortgage, own property or invest in Australian banks, this episode offers useful context on the risks worth watching as economic and property conditions change. Subscribe, leave a review and share this episode with someone who needs to hear it. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. The S&P 500 All-Time Highs are here, and while investors should be celebrating, there's a growing sense of unease running through the market. In this episode, Andrew and Mitch unpack exactly why the S&P 500 All-Time Highs are happening now, breaking down the eye-watering 50% year-on-year earnings growth driving this rally and asking whether it's sustainable or built on shaky foundations. They dig into the $1.3 trillion capital expenditure commitment from the hyperscalers, comparing Google's smart AI strategy to the Kodak mistake, and explaining why Microsoft soared while Meta stumbled despite both riding the same AI wave. The boys also explore the shift from early cycle to mid cycle investing, where quality earnings are starting to matter more than growth at all costs. Then it's onto the risks nobody wants to talk about: rising Treasury yields, a new Fed chair shaking up rate expectations, and geopolitical tension in the Middle East pushing oil prices higher. If you've been wondering why the S&P 500 All-Time Highs feel more nerve-racking than exciting, this episode breaks down the real data behind the headlines so you can make sense of what's actually going on. Whether you're a seasoned investor or just starting out, this episode delivers the clarity you need. Hit subscribe, leave a review, and share this episode with someone who needs to hear it. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. What if the Inflation Rate you hear in the headlines does not reflect the real increase in the cost of living? In this episode, Andrew breaks down The Big Australian Rip Off and examine why the official Inflation Rate may tell a very different story from what Australians are experiencing in their everyday lives. From rising household costs to the pressure on purchasing power, this conversation looks at the real impact of inflation and why the numbers matter when you are making decisions about your money, investments and financial future. Andrew discusses how inflation affects the value of your income and savings, why Australians can feel worse off even when the reported Inflation Rate is falling, and what these changing costs mean for investors and everyday households. If you have noticed your money does not go as far as it used to, this episode provides useful context around the Inflation Rate and the real cost of living in Australia. Listen now to understand the numbers behind Australia's inflation story and what they could mean for your finances. Subscribe, leave a review, and share this episode with someone who needs to hear it. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. In this episode, Andrew and Mitch break down Cashflow on Demand and how investors can generate regular income from their share portfolio in today’s market. With the cost of living rising, interest rates putting pressure on household budgets, and traditional capital growth strategies facing changing tax conditions, the discussion looks at why creating additional cash flow from investments matters. You’ll learn how Cashflow on Demand can help turn assets you already hold into a source of regular income, with strategies that may generate cash flow weekly, fortnightly or monthly. Andrew and Mitch also explain the difference between relying on dividends and creating income through an active investment strategy. The episode covers how selling options can generate upfront income, why getting paid first can provide greater certainty, and how volatility can create opportunities for investors. Risk management is also a major focus, including why protecting your capital and knowing when to cut a losing position can matter as much as generating returns. If you want to understand how Cashflow on Demand works, how it can provide regular investment income, and why the strategy remains relevant in the current market, this episode is worth a listen. Subscribe to the Money and Investing Show, leave a review, and share this episode with someone looking for ways to create more income from their investments. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. Is your investment portfolio still on course, or has it quietly drifted off track? In this episode, Andrew and Mitch explain why a Mid-Year Portfolio Review is one of the most valuable habits for long term investors and why waiting until the end of the year could cost you opportunities. Using the simple analogy of an aircraft making constant course corrections, they discuss how successful investors regularly review their portfolios, rebalance asset allocation, assess risk, and make informed decisions before small issues become bigger problems. This episode walks through the key areas to review, including portfolio performance, diversification, capital gains tax considerations, superannuation, cash positions, and how your investments align with your financial goals. Rather than reacting emotionally to market movements, Andrew shares a practical framework for making measured adjustments that keep your investment strategy moving in the right direction. A Mid-Year Portfolio Review is not about chasing returns or predicting the market. It is about making thoughtful decisions based on where you are today and where you want to be by year's end. If you've been putting off your Mid-Year Portfolio Review, this episode offers the insights and action steps to help you course correct with confidence. Enjoyed this episode? Subscribe, leave us a review, and share it with someone who could benefit from a smarter approach to investing. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. A market crash can be one of the most stressful times for investors, but it can also create some of the best buying opportunities. In this episode, Andrew and Mitch explain how experienced investors prepare for a market crash instead of fearing it. They reveal the 5 stocks they'd buy immediately if markets sold off, and why these businesses could offer strong long term value when prices fall. You'll learn what separates high quality companies from the rest, why patience and preparation matter during periods of volatility, and how to build a watchlist before the next market crash arrives. Rather than reacting to headlines or making emotional decisions, you'll hear the framework Andrew uses to identify companies with strong fundamentals, reliable earnings, and the potential to recover when markets stabilise. If you've ever wondered how to profit from the next stock market crash, this episode provides practical insights to help you think like a disciplined investor. From managing risk to recognising opportunity, you'll gain ideas you can apply before the next market crash catches investors by surprise. Tune in now to hear the 5 stocks we'd buy immediately and learn how to prepare for future market downturns with greater confidence. If you enjoyed this episode, subscribe, leave a review, and share it with someone who wants to invest smarter before the next market crash. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. What separates those who build lasting wealth from those who never quite get there? Is it luck, talent, or something far simpler? In this episode, Andrew breaks down The 10 Millionaire Habits We Found After Analysing 100 Success Stories, revealing the common behaviours that consistently appeared among self made millionaires. Rather than focusing on quick wins or flashy investments, they unpack the practical millionaire habits that shape better financial decisions over time. From developing a long term mindset and taking calculated risks to building discipline, investing consistently, learning from setbacks, and surrounding yourself with the right people, this conversation highlights the patterns that repeatedly lead to financial success. These millionaire habits are not reserved for the wealthy. They are behaviours that anyone can begin applying to improve their financial future. If you've ever wondered what successful people do differently, or you're looking for practical ways to build wealth with greater confidence, this episode is packed with insights you can put into action today. You'll come away with a clearer understanding of the millionaire habits that have helped hundreds of successful people grow and protect their wealth over the long term. If you enjoyed this episode, subscribe for more investing and wealth building insights, leave us a review, and share this episode with someone who wants to build lasting financial success. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. If you've ever wondered why some people build serious wealth while others stay stuck on the savings treadmill, this episode is for you. Andrew breaks down the 5 assets that make people richer, from owning and scaling a business to leveraging property, cash flow assets and financial education itself. You'll learn why you can't save your way to wealth, and why the truly wealthy focus on acquiring assets that make people richer instead of chasing a bigger pay cheque. Andrew shares real stories from his own journey building a business, along with practical insight into structuring for tax effectiveness, managing cash flow and avoiding the classic traps that trip up so many aspiring business owners. Andrew keeps the conversation grounded, asking the questions every listener wants answered about risk, diversification and where to start. Whether you're just starting your wealth journey or looking to sharpen your existing strategy, this episode lays out exactly which assets that make people richer deserve a place in your portfolio, and how to approach each one with your eyes wide open. Tune in now to discover the 5 assets that make people richer and start building the financial future you deserve. If you enjoyed this episode, subscribe to the Money and Investing Show, leave us a review, and share it with someone who's ready to start building real wealth. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. Why the ASX Is Suddenly So Volatile: Inflation, Interest Rates and the Economic Risks Every Australian Investor Should Know takes a close look at the forces shaping Australia's share market and why so many investors are asking why the ASX is suddenly so volatile. Andrew unpacks the economic factors driving market uncertainty, from persistent inflation and higher interest rates to falling consumer confidence, government spending and changing business conditions. They also explain why the Australian market continues to lag behind the United States, how volatility is affecting major banks and resource companies, and what these trends could mean for your portfolio and superannuation. If you've been wondering why the ASX is suddenly so volatile, this episode breaks down the headlines into practical insights that every investor can understand. You'll hear how economic conditions influence company performance, why market swings can create opportunities, and what to watch before making your next investment decision. The Andrew also covers the outlook for Australian businesses, the property market, employment, and sectors showing resilience despite ongoing uncertainty. Most importantly, Andrew shares how experienced investors approach periods like this with discipline instead of emotion. If you're looking to better understand why the ASX is suddenly so volatile and what it means for your financial future, this episode is packed with timely insights you can put into perspective. If you enjoyed this episode, subscribe to the Money and Investing Show, leave a review, and share it with someone who wants to become a more informed investor. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. When markets fall and the headlines turn negative, most people do one of two things. They panic and sell, or they freeze entirely. But what if that moment of fear is actually the greatest opportunity you will ever get? In this episode, Andrew and Mitch unpack the psychology behind freezing vs opportunity during times of volatility, and why the difference between those who build wealth and those who don't often comes down to one thing: education over emotion. Recorded live at the Cash Flow on Demand Bootcamp in front of 250 clients, Andrew breaks down the concept of red brain vs blue brain thinking. He explores why volatile markets trigger irrational decision making in most people, and how disciplined investors use that same chaos to buy at lower prices, collect fatter options premiums, and accelerate their income. You will learn why investing is a decision and not a feeling, how to build a trading plan that removes emotion from the equation, and why understanding freezing vs opportunity during times of volatility could be the single most important shift you make in your financial life. This is not about timing the market. It is about having a process that works when others are running for the exits. If you are ready to stop letting fear cost you a fortune and start making volatility work in your favour, this is the episode for you. Subscribe, leave us a review, and share this with someone who needs to hear it. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch. What would you do if you had no money, no investing experience, and had to start from scratch today? In this episode, Andrew and Mitch put themselves in that exact position and reveal the Top 5 investments we made if we were building wealth from the ground up all over again. From investing in education and building an emergency fund to ETFs, health, communication, and even a small allocation to Bitcoin, this conversation breaks down the practical steps that can help create a stronger financial future. Drawing on decades of experience in investing, trading, property, and business, Andrew and Mitch share personal stories, lessons learned, mistakes they would avoid, and the investments they wish they had prioritised earlier. The discussion highlights why financial success is about more than money, touching on patience, decision-making, personal development, and long-term thinking. If you've ever wondered where to start, this episode provides a clear framework for building confidence and creating momentum with your finances. the top 5 investments we made are not necessarily the most expensive investments, but they may be the ones with the greatest long-term impact. Whether you're a beginner investor or looking to reset your financial strategy, this episode offers practical insights you can apply straight away. Enjoyed the episode? Subscribe, leave a review, and share it with someone who is starting their investing journey today. Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 FREE Online Training with Andrew Baxter: https://bit.ly/cod-online Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387