Freedonomix

Hosted by Independent Wealth Partners

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Latest episode

Aug 2026

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EN-AU

About the show

Freedonomix is a podcast about more than just money—it's about people, purpose, and the stories that shape our lives. Powered by Independent Wealth Partners, this show is for anyone who believes that true financial freedom is about living the life you want, not just the returns you get. At Freedonomix, we dive into two key areas, Practical Financial Wisdom (tax, investing, wealth strategies etc.) as well as Inspiring Life Stories from friends and clients . Whether you're here for the financial insights, the personal stories, or a bit of both, we're glad you've joined us. Lets get started.

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57 recent

August 14, 202623 min

Navigating Life and Finances After Separation

In this podcast episode Cameron sits down with Tim Dawe - Independent Financial Adviser and partner at IWP to talk through the impact of separation through a finance lens. Separation doesn't just hit your finances. It hits everything — emotionally, physically, mentally. We break down what actually helps in those first few months: why fight-or-flight decisions backfire, why delaying a new home purchase is often smarter than rushing one, and the boring admin (Wills, super nominations) that people forget until it's too late. A settlement isn't the finish line. It's where the next chapter starts. Link to the article below https://www.independentwealthpartners.com.au/insights/the-next-chapter-navigating-life-and-finances-after-separation DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

August 11, 202617 min

You can't out invest poor spending habits

In this weeks episode, Cameron sits down with independent financial adviser at IWP - Brigitta Nadya - to talk through the impact of poor spending habits. Everyone wants to talk about returns. Almost nobody wants to talk about cashflow — but it's usually the bigger lever. This episode looks at why a high income doesn't guarantee wealth, why lifestyle creep quietly derails good intentions, and why the person saving 20% of $90k often ends up ahead of the person earning $250k and spending it all. If you've ever wondered why the numbers aren't adding up despite doing "everything right" with investing, this one's for you. Link to the article below https://www.independentwealthpartners.com.au/insights/you-cant-out-invest-poor-spending-habits/ DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

August 10, 202618 min

IWP Market Update - July 2026

This month, Cameron sits down with Chris Haggart - Independent Financial Adviser and Partner at IWP to discuss all things economics and markets. The RBA and the Fed stayed on hold — 4.35% and 3.50–3.75% — as each waits for clearer signals before their next move. Inflation cooling but unevenly across the US and Australia, consumer and business sentiment recovering off weak bases, growth decelerating on both sides of the Pacific, and US manufacturing standing out with its strongest reading in three years. They also cover the latest equity and bond market returns and what's on the calendar over the coming weeks, including the RBA's 11 August decision and the Jackson Hole Symposium. DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

August 6, 202631 min

You're About to Sell Your Business. What Happens Next? | A $20 million business exit case study

Les and Angela are looking at $15.9M — an $8M business sale on the table, a testamentary trust, an SMSF holding the company premises. On paper, they've made it. Cam and Chris sit down with a case study built around a couple in that exact spot: Les is 67, Angela's 63, three adult kids, a parent with dementia, and a business sale that's about to change everything. The hard part isn't the money. It's figuring out what the money's actually for — how to help the kids without creating dependency, hold onto the beach house and city place as the family's home base, and protect what they've built if a relationship breaks down. They work through the six buckets they'd use with a client like this — lifestyle, freedom, family, protection, care, legacy — and get into where it actually gets tricky for people who've won the game but haven't worked out what to do next.

August 4, 202617 min

When only one partner manages the finances - Planning for the unexpected

In this episode, Cameron is joined by Williza Demirel - Independent Financial Adviser at Independent Wealth Partners. We look at what happens when only one partner manages the household finances — and what happens when that person is suddenly gone. It's a common setup in a lot of relationships, but it leaves the other partner exposed at exactly the wrong time. They talk about why this hits women particularly hard in Australia, the practical and emotional load of taking over finances during grief, and the simple steps that make a real difference: shared financial knowledge, up to date wills, powers of attorney, and clear beneficiary nominations. Planning for this is about making sure the people you love aren't left figuring it all out alone. CLAIMER: This podcast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

July 31, 202638 min

You've Built the Wealth. Now How Do You Retire? - A case study with John and Julia

John is 58. Julia is 57. Together they've built $5.63 million in net worth — a family home, two investment properties, super, cash in the bank. On paper, they've made it. But 76% of their wealth is locked in property, and over half of it sits in a home that earns them nothing. One investment property has gained $400K. The other has lost $200K on paper and still costs more to hold than it returns. And despite everything they've built, they're not sure they can afford to spend it. In this episode, Cam sits down with Andrew Brown - Independent Financial Adviser at IWP to unpack a real case study: a couple standing at the crossroads of retirement, torn between the life they've accumulated and the life they actually want. Time with grandchildren in Adelaide and South East Queensland. A slower pace. A beach home in Ulladulla. Being there for aging parents. They dig into the accumulation mindset that got John and Julia here, the emotional pull of a family home full of memories, and the strategic questions every couple in this position needs to ask before they can retire with confidence — not just capacity. If you've built wealth but aren't sure how to use it, this one's for you. DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

July 25, 202630 min

IWP Market Update - June 2026

Global growth holds, house prices don't — the July market update Nvidia alone is worth more than twice the entire ASX combined. Melbourne house prices just posted their worst quarterly fall in years. And Australia is on track for its weakest decade of living standards growth since the 1910s. Cam and Chris break down what's actually happening in the economy this month — global growth staying resilient (with Asia doing the heavy lifting), Aussie inflation easing back toward target, and why the May Budget's negative gearing and CGT changes are being blamed for the property slowdown. Plus: why is the US seeing a productivity boom while Australia's economy grows only because more people are moving here? If you've been wondering why your portfolio's international holdings are running rings around your Australian ones, this one's for you. Topics covered: Global growth and the US/Australia productivity gap Inflation update — headline vs trimmed mean Why house prices are falling (and what the forecasters think happens next) Global vs Australian share markets — the numbers behind the gap Where BHP sits on the world stage Independent Wealth Partners | Wealth strategy delivered with integrity DISCLAIMER: This videocast contains general advice which does not consider your particular circumstances. You should seek advice from Independent Wealth Partners who can consider if the general advice is right for you. Independent Wealth Partners Pty Ltd (ABN 66 647 667 249) – (AR 1286417) is a Corporate Authorised Representative of Independent Wealth Services (IWS) AFSL # 512433.

July 20, 202624 min

Are young people really better off Jim?

Joining Cameron today is Tim Dawe - Partner and Independent Financial Adviser at IWP. Join us as we chat through the selling proposition for the May 2026 Federal Budget. The government has tried to sell it as a win for young Australians trying to get into the housing market. Tim Dawe isn't convinced. In this episode, we pull apart the headline measures — the CGT and negative gearing changes, the $250 handback, the small business tax hit — and ask the question the government won't: does any of this actually leave young people better off, or does it just move the problem somewhere else? Spending, debt, interest rates, super, small business risk — it's all connected, and the answer isn't as simple as the budget speech made it sound. To read the article click on the link below https://www.independentwealthpartners.com.au/insights/are-young-people-really-better-off-jim/

July 18, 202621 min

I just won tattslotto!

Today Im joined by Chris Haggart - Partner and Independent Financial Adviser at IWP where we sit down and discuss the latest article Cameron wrote on what to do when you win Tattslotto! Winning the lottery sounds simple. It isn't. Sudden wealth brings a wave of decisions most people have never had to make — mortgage or investments, family requests, tax, trust, who to even tell. In this episode, we walk through what actually happens after a big win: the emotional side nobody talks about, the traps that catch most winners (overspending, poor investing, no structure), and the calm, step-by-step process we use to turn a windfall into lasting security. If you've ever daydreamed about winning big, this episode might change what you hope happens next. https://www.independentwealthpartners.com.au/insights/youve-won-tattslotto-what-happens-next-matters-most/

July 15, 202634 min

What our clients have told us about the real value of financial advice!

This week Cameron is joined by Chris Haggart - Partner and Independent Financial Adviser at IWP. For years we have known that the value of advice is in the intangible benefits of the advice, which goes well beyond the tax savings, the strategic advice that brings financial benefit. About 2 years ago, we started surveying our client base, both new and existing clients across eight dimensions of wellbeing — career, emotional, environmental, financial, intellectual, physical, social, spiritual. Existing clients scored higher than new clients in every area! Spiritual +28% Environmental +23.3% Financial +22.6% Physical +21.9% Intellectual +18.5% Career +18.2% Emotional +17.6% Social +12.1% Eight dimensions, eight gaps, all in the same direction. In this episode, we break down the data, what it can (and can't) tell us, and why the value of advice always radiates further than the numbers suggest. Turns out good advice does something markets and returns can't measure — it gives people their headspace back. In this episode, we break down the data, what it can (and can't) tell us, and why the value of advice always radiates further than the numbers suggest. For more info, click on the two links below which are articles both Cameron and Chris have written on the topic. What our clients have told us about the real value of financial advice. - Independent Wealth Partners Life First - What 2 years of data confirmed about a hypothesis we've held for Decades! - Independent Wealth Partners happy listening!