Money & a Good Life

Do I really need a financial adviser? How much should I be saving? Should I pay off my mortgage or invest? And how do I know if I'm on track for retirement? When it comes to managing money, Australians have plenty of questions, but we don't always feel comfortable asking them. In this episode of Money & a Good Life , Ryan Watson is joined by new co-host Caty Price and Tribeca Financial's Lead Adviser and Partner, Matthew Rea, to answer some of the most common financial questions they hear from everyday Australians. From understanding the true value of financial advice to budgeting, superannuation, investing and retirement planning, this conversation breaks down complicated financial topics into simple, practical insights. Matt explains why financial planning isn't just about growing wealth. It's about gaining confidence, avoiding costly mistakes and creating the financial freedom to enjoy life today while preparing for tomorrow. Whether you're just starting your financial journey, building wealth for your family or thinking about retirement, this episode will help you understand the steps you can take towards greater financial wellbeing. In this episode, we cover: What financial advisers actually do and how to know if you need one How much financial advice costs and what value it can provide How much of your income you should be saving How to make the most of your superannuation and choose the right investment risk Whether to pay off your mortgage, invest or contribute more to super When to start investing and why time in the market matters How to create a realistic budget using a simple bank account structure Why diversification and ETFs matter when building an investment portfolio How to manage investment decisions during market volatility How financial planning can help you prepare for retirement What to consider when receiving an inheritance or facing redundancy How to find a financial adviser you can trust The biggest takeaway? You don't need to have all the answers before taking control of your finances. Sometimes, the most important step is simply asking the right questions. Here's to your Good Life. And thanks for listening. Find us Tribeca Financial: https://www.tribecafinancial.com.au/ Money & a Good Life podcast: https://www.tribecafinancial.com.au/money-and-a-good-life-podcast/ Our hosts Ryan Watson, CEO and Founder, Tribeca Financial Connect with Ryan on LinkedIn: https://www.linkedin.com/in/r-watson/ Caty Price, Podcast Host Our guest Matthew Rea CFP®, Lead Adviser and Partner, Tribeca Financial Meet Matt: https://www.tribecafinancial.com.au/best-financial-planners-matthew-rea/ Listen to Matt's previous episodes: Cashflow hacks #1 Cashflow hacks #2 Important information Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Australia is entering one of the largest intergenerational wealth transfers in its history. But while trillions of dollars are expected to change hands, there's one question families aren't asking enough: what happens to our relationships when money gets involved? In this episode of Money & a Good Life , Tribeca Financial CEO Ryan Watson joins economic commentator, author and behavioural finance specialist Evan Lucas to challenge the traditional idea of intergenerational wealth. Together, they explore why wealth should be about more than inheritance, property and investment portfolios. It's about family connection, financial education, honest conversations and building a legacy that lasts beyond one generation. From Australia's discomfort with discussing money to the financial habits we inherit from our parents, Evan and Ryan unpack the emotional and cultural barriers that prevent families from talking openly about their financial future. They also explore Tribeca's approach to connected family wealth, why taking a 100-year view changes financial decisions and how building wealth means very little if you're not living a good life along the way. In this episode, we discuss: Why intergenerational wealth is about more than passing down money Australia's cultural discomfort with talking about family finances How to protect family relationships during wealth transfers The importance of having financial conversations before inheritance Why a 50 to 100-year family wealth strategy can change your perspective How childhood experiences shape our financial behaviour Why financial literacy should start at home and in schools The difference between being wealthy and feeling financially secure How financial advice can support families across multiple generations Why having enough money isn't the same as living a good life Whether you're building wealth, preparing for retirement, supporting ageing parents or thinking about the legacy you'll leave your children, this conversation offers a different way to think about money. Because the most valuable thing you pass on might not be your wealth. It might be the conversations you have about it. Connect with Evan Lucas Evan Lucas is an Australian economic commentator, behavioural finance specialist, author of Mind Over Money and host of Exchanges with Evan Lucas . LinkedIn: https://www.linkedin.com/in/evan-lucas-44a25316/ Website: https://evanlucas.com.au/ Instagram: https://www.instagram.com/evanlucas_/ Podcast: https://podcasts.apple.com/au/podcast/exchanges-with-evan-lucas/id1796919532 Connect with Tribeca Financial Tribeca Financial helps Australian individuals and families develop greater financial security, freedom of choice and confidence to live their version of a good life. Website: https://www.tribecafinancial.com.au/ Family Wealth: https://www.tribecafinancial.com.au/tribeca-family-wealth/ LinkedIn: https://www.linkedin.com/company/tribecafinancial/ Ryan Watson, CEO & Founder: https://www.linkedin.com/in/r-watson/ Listen to more episodes of Money & a Good Life on your favourite podcast platform. Here's to your Good Life. And thanks for listening. Important information Tribeca Collective Pty Ltd, ABN 54 604 005 209, trading as Tribeca Financial, has been appointed as a Corporate Authorised Representative (CAR No. 1008603) of My Dedicated Advisory. My Good Life® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their personal circumstances before making financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia and pays respect to Elders past and present.

Most of us insure our house, car, contents and even our phones. But what about our ability to earn an income? In this deeply personal episode of Money & a Good Life , Tribeca Financial’s Rachael Holder and Ryan Watson sit down with longtime Tribeca client, writer and men’s mental health advocate Rick Foster to explore what happens when your health unexpectedly affects your ability to work. Rick spent years building creative agency Tank alongside his wife and business partners. As the business grew, so did the pressure. Eventually, severe anxiety left him unable to continue working in the same capacity. What followed was not only a mental health recovery journey, but a real-world example of why financial protection can matter long before you think you’ll ever need it. Rick shares how income protection insurance, TPD insurance and key person insurance helped provide financial security for himself, his family and his business while he stepped away to focus on his health. He also reflects on the importance of having financial advisers advocating for him throughout a difficult and sometimes complex insurance claims process. The conversation also explores the strong connection between financial wellbeing and mental health , the pressures many business owners place on themselves, and why asking for help can be an act of strength rather than weakness. Rick’s recovery eventually brought him back to his love of writing and inspired him to create the children’s picture book Why Worry Wally , designed to help children understand that worries are normal and give them practical ways to talk about and manage them. In this episode: Why personal insurance can be important for business owners and families Rick’s experience with anxiety, burnout and stepping away from work How income protection supported his recovery The role of TPD and key person insurance Why having an adviser advocate during an insurance claim can make a difference The connection between financial stress and mental wellbeing Why men can find it difficult to speak openly about mental health Recognising the signs of anxiety before they become overwhelming Finding balance, purpose and a healthier relationship with work How Rick created Why Worry Wally to help children talk about anxiety and worries What “a good life” means to Rick today Rick’s experience is a powerful reminder that good financial advice is not only about investments, numbers or retirement planning. Sometimes, it is about putting protections in place that allow you to focus on your health, your family and your future when life does not go to plan. If you own a business, have a family relying on your income, or simply haven’t reviewed your personal insurance for some time, this episode offers an important perspective on the value of planning ahead. Links & resources Tribeca Financial: https://www.tribecafinancial.com.au/ Rick Foster: https://whyworrywally.com/ Why Worry Wally?: https://whyworrywally.com/why-worry-wally Buy Why Worry Wally?: https://whyworrywally.com/buywally/whyworrywallybook Money & a Good Life is brought to you by Tribeca Financial. Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Art galleries can feel intimidating. White rooms full of expensive things. Quiet. Full of breakable things. A space that seems to signal: "You probably don't belong here." But what if that feeling is completely wrong? In this episode of Money & a Good Life , Steph and Ryan sit down with Andy Dinan—founder of MARS Gallery and ADA Art Consulting, and someone who's championed emerging and mid-career Australian artists for more than 20 years through over 700 exhibitions. Andy believes art is for everyone. That collecting doesn't require a fortune. And that buying something you love might actually be one of the most rewarding ways you can spend money. She also started one of Melbourne's best-known galleries despite never having worked in a gallery before—which is quite the origin story. What we talk about: How Andy went from pushing a pram into a gallery to opening her own. Why so many people feel intimidated by galleries and the art world. Why collecting art isn't just for wealthy people. The value of buying art you genuinely love. Why Andy encourages people to look for a long time before buying anything. Whether art should be viewed as an investment. The role art can play in shaping communities and public spaces. Why Andy believes philanthropy should be accessible to everyone, regardless of what they can afford to give. Whether you've been collecting for years or have never set foot in a gallery, this conversation is a reminder that art isn't about expertise or status. Sometimes it's simply about finding something you love and bringing it into your life. Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Andy Dinan, founder of MARS Gallery and ADA Art Consulting Connect with Andy on LinkedIn Visit Andy’s website Follow MARS gallery on Instagram Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan here Stephanie Coombes, podcast expert and media strategist Connect with Steph here Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Most of us grow up believing that if we work hard enough, plan carefully enough and want something badly enough, we'll eventually get there. But life doesn't always follow the plan. In this episode of Money & a Good Life , Angela Ceberano shares the story behind her success in business, her IVF journey, and how both experiences changed the way she thinks about ambition, happiness and what truly matters. After building one of Australia's leading independent PR agencies and enduring 20 rounds of IVF over almost a decade, Angela has learned that some of life's biggest lessons come from the things we can't control. We talk about: Building a successful business from the ground up. The hidden cost of success and the sacrifices that often come with it. What nearly a decade of IVF taught Angela about resilience and uncertainty. Why sharing her fertility journey publicly became so important. The emotional and financial realities of IVF. How becoming a mother changed her definition of success. What intentional living looks like in practice and why rest is part of the work. This is a conversation about perseverance, perspective and learning to define success on your own terms, even when life takes you somewhere you never expected to go. Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Angela Ceberano, Managing Director, Flourish PR Connect with Angela on LinkedIn Follow Angela on Instagram Learn more about Flourish PR Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan here Stephanie Coombes, podcast expert and media strategist Connect with Steph here Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Every family has stories. Some get passed down through generations. Others are forgotten over time. But whether we realise it or not, those stories can shape the way we think about money, success, work, family and what's possible for our future. In this episode of Money & a Good Life , we sit down with Damon Kitney, journalist, author and storyteller, who has spent decades documenting some of Australia's most successful families. Through those conversations, he's discovered that while passing on wealth is important, passing on values, purpose and family stories can be even more powerful. We talk about: Why family stories matter more than many people realise. The role stories play in shaping beliefs about money, work and success. What Damon has learned from interviewing some of Australia's most successful families. Why passing on values can be harder than passing on wealth. How family history can contribute to a sense of identity and belonging. The challenges families face when navigating wealth, succession and legacy. Why preserving stories may be one of the most important gifts we leave future generations. Whether your family story spans generations or starts with you, this conversation is a reminder that the things we pass on aren't always financial. Sometimes the stories themselves become part of our legacy. Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Damon Kitney, Journalist & Author Connect with Damon on LinkedIn Learn more about Damon here Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan here Stephanie Coombes, podcast expert and media strategist Connect with Steph here Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Sleep is something we all do, yet many of us don't give it much thought until we're not getting enough of it. And when that happens, the effects don't just show up as feeling tired. Sleep can influence everything from our mood and relationships to our productivity, mental health and ability to make good decisions. In this episode of Money & a Good Life, Lisa Maltman joins us to unpack why sleep matters more than we think and what we can do to improve it. We talk about: Why so many Australians aren't getting enough sleep. The impact poor sleep can have on mood, memory, creativity and mental health. The surprising link between sleep and financial wellbeing. How sleep deprivation affects decision-making, planning and risk-taking. Why tracking your sleep isn't always the answer. The relationship between financial stress and poor sleep. Whether naps are actually good for us. Whether you're struggling with sleep yourself or simply curious about how it impacts your everyday life, this episode is full of practical insights that might just help you rest a little easier. Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Lisa Maltman, sleep educator Connect with Lisa on LinkedIn Visit The Sleep Connection website Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan here Stephanie Coombes, podcast expert and media strategist Connect with Steph here Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Most people spend decades planning financially for retirement. But what about everything else? The routines that shape your days. The sense of purpose that comes from your work. The connections, structure and identity you've built over a lifetime. In this episode of Money & a Good Life, we sit down with Prue and Dr Kim Watty, co-founders of The Main Act, to explore what happens when people retire without thinking about what comes next. Drawing on both personal experience and years of research, they share why creating a fulfilling retirement requires more than financial preparation, and how purpose, connection and community can play just as important a role. We talk about: Why retirement can be more challenging than many people expect. The loss of structure, identity and purpose that often comes with leaving work. Why financial preparedness is only one part of a successful retirement. The importance of thinking about what you want your next chapter to look like. The unique transitions many women experience throughout life and retirement. Why community, creativity, contribution and connection matter so much. How to move from simply retiring from something to retiring towards something. Whether retirement is right around the corner or still years away, this conversation is a reminder that a good retirement isn't just about having enough money. It's also about creating a life you're excited to wake up to. Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Dr Kim Watty & Prue Watty Connect with Kim Watty on LinkedIn , connect with Prue Watty on LinkedIn Visit The Main Act website Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan here Stephanie Coombes, podcast expert and media strategist Connect with Steph here Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Most people think financial advice is about investments, returns and building wealth. While those things matter, they're often only part of the story. Some of the biggest benefits of advice come from having clarity, confidence and a plan that supports the life you want to live. In this episode, we sit down with Thabojan Rasiah to explore the real value of financial advice and why money is often just the vehicle, not the destination. From defining what matters most to making major life decisions with confidence, it's about helping people use money in a way that supports the life they want to live. We talk about: The difference between the financial and non-financial value of advice. Why so many people are drifting financially without a clear sense of where they're heading. How long-term cash flow modelling helps people make big life decisions with confidence. The role values and purpose play in financial planning. Why not all debt is bad, and when it can be a useful tool. How to find an adviser you can genuinely trust. What Thabojan has learned from helping hundreds of people navigate life's biggest decisions. Whether you're working towards a specific goal or simply trying to make smarter decisions with your money, this episode is a reminder that good financial planning starts with understanding what matters most to you. Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Thabojan Rasiah Connect with Thabojan LinkedIn Visit Thabojan’s website Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan here Stephanie Coombes, podcast expert and media strategist Connect with Steph here Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Estate planning is one of those things we all know we should do… but many of us keep putting it off. The problem? When estate planning goes wrong, the consequences can be deeply personal. Families stop speaking. Loved ones are left to make difficult decisions without guidance. Vulnerable people can be left unprotected. And disputes that could have been avoided end up costing families emotionally and financially. In this episode of Money and a Good Life, we sit down with Susan Bonnici, Principal Estate Planning Lawyer at Aitken Partners, to unpack what estate planning really involves — and why it's about so much more than simply deciding who gets what. Susan has spent her entire legal career helping families navigate everything from straightforward Wills to highly complex estate planning arrangements. As both a lawyer and mother of a child with a disability, she's seen firsthand the importance of planning ahead, particularly for families caring for vulnerable loved ones. We explore the difference between estate and non-estate assets, why Wills are increasingly being challenged, and the practical steps families can take now to reduce conflict and create certainty for the people they care about most. This conversation is a timely reminder that estate planning isn't really about death — it's about protecting the people you love. In this episode, we cover: Why estate planning is about much more than "who gets what" The role family dynamics play in estate planning Protecting vulnerable family members and children with disabilities The difference between estate and non-estate assets Common mistakes people make with Wills and superannuation Why more Wills are being contested — and how to reduce the risk Proposed changes to trust taxation and what they may mean Key terms every adult should understand, including probate and powers of attorney The importance of planning before a crisis occurs Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Susan Bonnici Connect with Susan on LinkedIn here Visit Aitken Partners website here Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan here Stephanie Coombes, podcast expert and media strategist Connect with Steph here Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

We all like to think life follows a bit of a plan. You build something over time. You find your rhythm. You get comfortable with where things are heading. And then, sometimes, life shifts. Not always in a dramatic way, but enough to make you rethink what comes next. In this episode, Mike Larkan shares the story behind a life that’s been anything but linear. From decades in television to building something new, his experience is less about a single turning point and more about how everything adds up over time. We talk about: How short-term decisions shape the bigger picture The balance between planning ahead and living in the moment What happens when your identity is tied to your work How major life events can shift your perspective What “enough” looks like and how that can change over time Why some of the most important decisions aren’t purely financial It’s a conversation about perspective, adaptability and the long game, not just in money, but in life. Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Mike Larkan Follow Mike on Instagram: https://www.instagram.com/mikelarkan/ Visit Mike’s website: Mike Larkan Celebrant Melbourne Our hosts: Ryan Watson, CEO, Tribeca Financial Follow Ryan: https://www.linkedin.com/in/r-watson/ Stephanie Coombes, podcast expert and media strategist Follow Steph: https://www.linkedin.com/in/stephanie-coombes-62903825/ Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

When you think of a private investigator, you probably picture stakeouts, disguises and scenes straight out of a crime drama. The reality is far less glamorous, and far more interesting. In this episode of Money and a Good Life , we sit down with Richard James, Director and Principal Investigator of RIVICA Investigations & Covert Solutions. With more than 30 years of experience across UK law enforcement, Australian anti-corruption agencies and private investigations, Richard has seen it all. We explore what private investigators actually do, when people seek their help, and how evidence is gathered legally and ethically. Richard shares insights into everything from workplace fraud and surveillance to digital privacy, counter-surveillance and the realities of modern investigations. Along the way, we discuss what happens when evidence is obtained unlawfully, the emotional challenges clients face when seeking answers, and what decades of investigating human behaviour has taught Richard about trust. Whether you're curious about the profession, concerned about privacy, or simply fascinated by human nature, this conversation offers a rare glimpse into a world most of us only see on television. In this episode, we cover: What private investigators really do (and what TV gets wrong) The types of cases that lead people to hire an investigator Why ethics and legality are critical in investigations Workers' compensation fraud and workplace investigations Digital privacy, mobile phones and encrypted messaging apps Counter-surveillance and signs someone may be monitoring you What makes a great investigator Lessons about trust, deception and human behaviour What to do if you suspect something isn't right The realities and costs of hiring a private investigator Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Richard James, Director and Principal Investigator of RIVICA Investigations & Covert Solutions Connect with Richard: Richard James | LinkedIn Visit Richard’s website website: Private Investigator Melbourne | RIVICA Investigations Our hosts: Ryan Watson, CEO, Tribeca Financial Follow Ryan: https://www.linkedin.com/in/r-watson/ Stephanie Coombes, podcast expert and media strategist Follow Steph: https://www.linkedin.com/in/stephanie-coombes-62903825/ Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

For most people, the one thing they worry about in retirement is money. Have I saved enough? Can I afford to stop working? When can I access my super? But what if that's the wrong place to start? In this episode of Money & a Good Life , Steph and Ryan sit down with Brad Fox Managing Director of Smart Brave Consulting, Chairman of Tribeca Financial, and one of the most respected voices in Australia's financial services industry to rethink what retirement actually means. Brad believes retirement is a phase of life that raises big questions about identity, purpose, time, and meaning. And while the money matters, the mindset matters more. What we talk about: What retirement is actually about beyond "the moment you stop working" Why starting with a narrow financial definition is limiting and sometimes harmful How retirement looks wildly different depending on the person Why there's no single "right" version of retirement What separates people who thrive in later life from those who struggle Odyssey Planning—a tool developed at Stanford for approaching retirement Why Odyssey Planning is so powerful for this life transition The process of imagining three different five-year futures Why prototyping your retirement is better than locking into one big irreversible decision Why engaging imagination is an important and often missing part of retirement planning Factors beyond finances that create a "good" retirement Why longevity and happiness aren't just about money Autonomy, contribution, and growth as major drivers of wellbeing How people keep learning and growing once their career stops structuring their lives If you've been thinking about retirement purely through a financial lens, this conversation will challenge you to think bigger about purpose, identity, and what you actually want the next chapter to look like. Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Brad Fox, Chairman Tribeca Financial, Managing Director Smart Brave Consulting Connect with Brad: linkedin.com/in/bradfox1 Visit Brad’s website: smartbraveconsulting.com Our hosts: Ryan Watson, CEO, Tribeca Financial Follow Ryan: https://www.linkedin.com/in/r-watson/ Stephanie Coombes, podcast expert and media strategist Follow Steph: https://www.linkedin.com/in/stephanie-coombes-62903825/ Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Have you ever noticed that you can do everything right with money but still feel like you're getting nowhere? You do the budgets. You save. You try to be disciplined. And yet, somehow, it still feels hard. Like you're second-guessing yourself. So what's going on? In this episode of Money & a Good Life , Steph and Ryan welcome back Bec Allan—money coach and mortgage broker who works with people who aren't necessarily bad with money, but feel stuck, overwhelmed, or quietly stressed about it, even when things look fine on paper. Bec explores why money can feel so difficult, especially when the world feels uncertain, and what we can actually change to make things feel easier. What we talk about: Bec's story from earlier in life, when she was pregnant with her daughter Whether Bec is seeing more money anxiety at the moment Why behaviour matters more than knowledge for most people How people can have the best budget in the world and still not follow it What financial safety actually feels like How to stay calm when things feel out of control Making money feel simpler when it usually feels complicated and overwhelming Where to start if you want to strip things back One habit or shift that tends to have the biggest impact for clients If you're doing the "right" things financially but still feel stressed, anxious, or like you're getting nowhere, this conversation will help you understand why, and what to do about it. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Bec Allan, Mortgage Broker and Money Coach Connect with Bec on LinkedIn Follow Bec on Instagram Visit Chamberlain & Co’s website Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan on LinkedIn Stephanie Coombes, podcast expert and media strategist Connect with Steph on LinkedIn Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Early retirement sounds like the dream. No alarm clock. No commute. No bosses. But for some people, it also feels out of reach. And even if you could retire early, would you actually know what to do with your time? Because it turns out, stopping work is the easy part. Figuring out how to live well without it, that's where things get interesting. In this episode of Money & a Good Life , Steph and Ryan sit down with Christine "Wags" Wagner and Steve Kruk, a couple who both spent more than three decades at Ford before retiring in their 50s with teenage daughters, busy lives, and no intention of slowing down. They loved their jobs. But they realised they didn't want to wait any longer to actually live their lives. What we talk about: Why they walked away from long, successful careers they actually enjoyed Why early retirement is as much about emotional readiness as financial preparedness Whether they had a plan to get out Why people don't treat time with enough respect How retirement gives you a clear sense that your days are finite The confronting reality of 7,300 days in a 20-year retirement Why most people avoid thinking about finite time altogether The weird social reactions to early retirement Being in the "hobby phase" and what that actually entails Finding yourself busier than you were while working Personal goals they're trying to hit Setting collective and independent goals to balance big aspirations with day-to-day life How new interests emerge (gardening, learning guitar, curating plants) The importance of investing in relationships and friendships Learning to spend money as a practiced skill Recognising that without health, life quality deteriorates Talking positively and proudly about being retired If you've ever questioned your own timeline or wondered whether early retirement is realistic, this conversation will challenge your assumptions and show you what's possible. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Chrstine Wagner & Steve Kruk Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan on LinkedIn Stephanie Coombes, podcast expert and media strategist Connect with Steph on LinkedIn Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

We all like to think we're rational when it comes to our finances. But the truth is, most of our money decisions are driven by emotion, family history, and psychology. So does that mean we're trapped by our brains? Forced to make illogical decisions from now until eternity? Not necessarily. In this episode of Money & a Good Life , Steph and Ryan sit down with Evan Lucas, behavioural finance specialist, media commentator, author of Mind Over Money , and host of the podcast Exchanges with Evan Lucas to explore how our emotions and cognitive biases affect our money decisions and why we sometimes act against our own best interests. If you've ever wondered why you keep making financial decisions you know aren't ideal, or how to build better financial habits that actually stick, this conversation reveals the psychology behind the patterns and how to change them. What we talk about: What behavioural finance is in simple terms and why it matters Common irrational financial decisions that sensible people make Why we continue making financial decisions we know aren't ideal What's happening psychologically in those moments What delayed return decisions are and why they're important How much of our financial behaviour is shaped by family history, heritage, and economic environment Behavioural patterns across generations, how baby boomers handle finances differently to Gen X Separating short-term market noise from long-term financial strategy For people in their 40s or 50s juggling mortgages, ageing parents, and teenage kids—one financial behaviour Evan wishes more people would adopt What Evan has learned about how people really want to engage with money through his career communicating complex financial ideas If you've ever self-sabotaged with money or struggled to stick with good financial habits, this episode will help you understand why it happens and what you can do about it. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Evan Lucas, behavioural finance specialist, media commentator, author of Mind Over Money , and host of the podcast Exchanges with Evan Lucas Follow Evan on Instagram Connect with Evan on LinkedIn Visit Evan’s website Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan on LinkedIn Stephanie Coombes, podcast expert and media strategist Connect with Steph on LinkedIn Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Today we're revisiting a topic that's greatly improved lives, including Steph's. It's probably the easiest change you can make to your finances with the greatest impact: cashflow. In this episode of Money & a Good Life , Steph and Ryan bring back Matt Rea to go through the fundamentals of cashflow and dig a little deeper into how it actually works in practice. If you've ever felt broke despite earning a good salary, struggled with lifestyle creep, or wondered why money feels so hard to manage, this conversation will give you the practical framework to change that. What we talk about: What cashflow actually is (and what people usually get wrong about it) Quick 101 on how to set up a cashflow system Understanding what it costs you to live Separating fixed costs from discretionary expenses The power of automating your finances "Pay yourself first" and what to do with surplus cashflow Setting up your own pool of discretionary money Can you be financially healthy without natural discipline? What happens when clients can't stick with a cashflow system The difference between earning more money and managing money better Why someone on a good salary can still feel constantly broke Why lifestyle creep feels invisible while it's happening If you want practical, actionable steps to take control of your money without feeling restricted, this episode breaks it down clearly. Here's to your Good Life. And thanks for listening. You can find us at https://www.tribecafinancial.com.au/ Our guest: Matthew Rea, Senior Adviser/Partner, Tribeca Financial Connect with Matt here Learn more/book a meeting here Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan here Stephanie Coombes, podcast expert and media strategist Connect with Steph here Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

For a lot of people, working with a financial adviser feels intimidating. Do I need advice? Am I "bad with money"? What actually happens? In this episode of Money & a Good Life , Steph and Ryan sit down with Rachael Holder Tribeca Adviser with psychology training and behavioural finance expertise to demystify the process. Rachael walks through the first three months of working with an adviser, explaining what happens, why it matters, and how it transforms your finances and wellbeing. If you've ever wondered what good financial advice should feel like, this conversation provides the roadmap, from building foundations to creating your plan to establishing the ongoing partnership where real transformation happens. What we talk about: When financial advice makes sense for your situation Why people who think they're "terrible with money" usually aren't Why advisers start with your story before numbers Exploring values, family situation, money mindset, hopes and fears How women carry guilt or feel behind and how to reframe it Providing clarity and reducing the emotional load around money Uncovering short, medium, and long-term goals The "what does a good life look like for you?" conversation What information and documents you'll need to provide Turning insights into actionable strategies Why technical skill and trust both matter What it means for advisers to act in your best interests How regulation protects clients Using cashflow modelling to visualise your future What clients discover when advisers "look under the bonnet" Tailoring strategies to your capacity and comfort with risk What a Statement of Advice (SoA) is and why it matters How the relationship evolves after the plan is in place Why real transformation happens after the first few months Managing decisions as they arise, school fees, redundancy, health events The role of accountability and emotional support Navigating difficult topics like wills and estate planning Why years 1-3 build foundations and years 4+ deliver compounding benefits This episode removes the nervousness around the unknowns of engaging with an adviser and shows what good advice should feel like, both the qualitative side and the quantitative side. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Rachael Holder, Connect with Rachael on LinkedIn Learn more about Rachael here Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan on LinkedIn Stephanie Coombes, podcast expert and media strategist Connect with Steph on LinkedIn Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Midlife is supposed to be the time when things settle down. The kids grow up, careers feel stable, and life gets a little simpler. Right? Well, that's not always how it plays out. Careers shift, marriages strain, parents age, health changes, and suddenly you're rewriting the script entirely. In this episode of Money & a Good Life , Steph and Ryan sit down with Kate Halfpenny — columnist for The Age and Sydney Morning Herald, founder of Bad Mother Media, and author of Boogie Wonderland , to talk about what happens when midlife doesn't go to plan. Kate's memoir shares her sea change after COVID, her husband's struggle with alcoholism, navigating empty nesting and perimenopause, and starting a business in her mid-fifties after 40 years as an employee. This conversation mirrors what many of our listeners are experiencing — the messy, beautiful, challenging reality of midlife transformation. What we talk about: What drew Kate to journalism and her decades-long career The financial reality of being a writer that people misunderstand What inspired her to write Boogie Wonderland The sea change decision post-COVID and the gap between expectation and reality Realities people should consider before making a sea change How midlife forces you to work out what you really want and go get it Starting Bad Mother Media in her mid-fifties after being an employee for 40 years Why she chose the name "Bad Mother Media" What she's learned from running her own business Creating a life on her own schedule with no boss, no 9-5 Writing a book late in life while managing clients and a business What she hopes people take away from her story If you're navigating midlife transitions, career changes, relationship challenges, or simply wondering how to thrive when life doesn't follow the script, this conversation offers honest insight and hope. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Kate Halfpenny, Columnist & Author Follow Kate on Instagram Connect with Kate on LinkedIn Visit Kate’s website Buy Kate’s book – Boogie Wonderland Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan on LinkedIn Stephanie Coombes, podcast expert and media strategist Connect with Steph on LinkedIn Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.

Most people think that working in finance means having your money life sorted. But today's guest proves that even the experts aren't immune to burnout, financial stress, and major setbacks. For more than 20 years, Bec Allan built a career inside Australia's major banks. She climbed the ranks, built a reputation, and did everything "right." But behind the scenes, she was exhausted, stretched thin, and carrying the weight of being a single mum trying to hold everything together — including $80,000 of personal debt. In this episode of Money & a Good Life , Steph and Ryan sit down with Bec to talk about what happened when her corporate career ended abruptly, how she rebuilt her entire relationship with money, and why she now helps other women do the same. This is a conversation about financial burnout, debt recovery, empowerment, and what it really takes to build a calm, confident relationship with money. What we talk about: Bec's 20-year banking career and what led her to leave the corporate world Finding herself $80,000 in debt as a single mum Working two to three jobs for over two years to dig out of debt The turning point moment on November 1st, 2018 with her daughter Transitioning from corporate burnout to building a money coaching business Why vulnerability is central to her work with clients Helping clients shift from fear and scarcity to calm, grounded decision-making Common money behaviours and emotional patterns that hold women back Client transformation stories, from toxic debt cycles to purchasing homes First steps for people who feel overwhelmed, ashamed, or scared to look at their finances Taking a holistic approach that blends mindset, strategy, and emotion Creating values-aligned relationships with money If you've ever felt trapped in a cycle of earning, spending, and striving without true financial peace, this conversation will show you there's another way. Here's to your Good Life. And thanks for listening. Find us at www.tribecafinancial.com.au Our guest: Bec Allan, Mortgage Broker and Money Coach Connect with Bec on LinkedIn Follow Bec on Instagram Visit Chamberlain & Co’s website Our hosts: Ryan Watson, CEO, Tribeca Financial Connect with Ryan on LinkedIn Stephanie Coombes, podcast expert and media strategist Connect with Steph on LinkedIn Tribeca Collective Pty Ltd, ABN 54 604 005 209 trading as Tribeca Financial has been appointed as a Corporate Authorised Representative (CAR No.1008603) of My Dedicated Advisory. My Good Life ® is a registered trademark of Tribeca Collective Pty Ltd. Advice given in this podcast is general in nature and is not intended to influence decisions about investing or financial products. Our listeners should always seek their own professional advice that considers their own personal circumstances before making any financial decisions. Tribeca Financial acknowledges the Traditional Owners of Country throughout Australia, and we pay our respects to Elders past and present.