Mind over Money

Hosted by Waymaker Finance

Business InvestingInterviews guests

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Episodes

102

Latest episode

Sep 2026

Language

EN-GB

About the show

The podcast that helps Australian’s have finances that work. Each week Archie, Lachy and Tim discuss a range of topics: from investing to cash flow to property and mindsets - to help you understand your finances and see the bigger picture. Presented by Waymaker Finance - Wealth Advocates & Mortgage Brokers based in Queensland. Learn more at www.waymakerfinance.com.au or follow us on social @waymakerfinance. All content is for education purposes only, it is not financial advice.

Listen to episodes

60 recent

September 4, 2026Episode 10122 min

Offset Accounts: Helping You, or the Bank?

Ep 101. Offsets have been in the news, and not for good reasons. In July, ASIC reviewed eight banks and found offset accounts that were never linked to the loan. Some were never opened at all. Banks have paid back more than $55 million so far, and ASIC expects that number to grow. But the setup errors are only half the story. The bigger question is whether an offset is helping you pay off your home, or just helping you feel like you are. This week we look at why Australians love offsets, why banks love them even more, and what one banker told Lachy about keeping customers "sticky". We cover where an offset earns its place, why offsets attached to fixed rates often do nothing, and the habits that shift a mortgage faster than any feature comparison. Tools don't pay off home loans. Clear goals and a cash flow system do. Mentioned: ASIC: Hidden mortgage offset failures costing Australians millions in lost interest savings RBA housing lending data (55% of housing loan facilities now have an offset) Waymaker's Mortgage Crusher 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au 👉 Follow us on Instagram: @waymakerfinance IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that's tailored to your goals and situation Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au 🎙 Recorded using Riverside.fm

July 20, 2026Episode 10030 min

How to Use Constraints to Get Ahead (Ep 100!)

Episode 100. We made it! Archie, Tim and Lachy discuss the psychology around constraints, and how to use the right constraints to move us towards our goals. 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au 👉 Follow us on Instagram: @waymakerfinance IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that's tailored to your goals and situation Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au 🎙 Recorded using Riverside.fm

April 30, 2026Episode 9923 min

Money, Anxiety & Your Relationships (with Dr Esa)

Ep 99 - Money, Anxiety & Your Relationships (with Dr Esa) Australians are more anxious than they were during the pandemic. Money pressure is a big part of why. Half of us say cost of living has hit our relationships. One in five say they've developed anxiety or depression they didn't have before. So what do we actually do about it? This week, Dr Esa Hukkinen joins us to unpack the link between money, anxiety and the people we love. We get into why blame creeps into couples' finances, why a sense of agency changes everything, and the difference between fear and anxiety. Then we land on what actually helps: a plan, a system, and a support team around you. If money has been weighing on you or your relationship lately, this one's for you. Mentioned: ABS National Study on Mental Health and Wellbeing (2020-22) Western Sydney University: Locus of control and wellbeing study Dr Esa: www.coachesa.com.au 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au 👉 Follow us on Instagram: @waymakerfinance IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that's tailored to your goals and situation Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au 🎙 Recorded using Riverside.fm

March 23, 2026Episode 9821 min

Rates Are Up. Here's What To Do

Ep 98. Rates are up, fuel prices are climbing, and budgets are feeling the pressure. Archie, Tim and Lachy discuss how to stay calm and adjust your cash flow without hitting the panic button. In this episode: Why Archie's seen this before — and what the 80s can teach us about today's cost pressures The budget categories taking the biggest hit right now (and where to look for cuts) Why thinking in percentages beats tracking dollars How to use a volatile season to reset and refocus your financial goals CORRECTION: We're on Season 5 not 4 (Lachy can't count lol) 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au 👉 Follow us on Instagram: @waymakerfinance IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au 🎙 Recorded using Riverside.fm

December 10, 2025Episode 9722 min

What Worked In 2025 & How to Win in 2026

Ep 97. Archie, Tim and Lachy discuss what they learned in 2025 helping Aussies have finances that work. Tune in for this lighthearted and inspiring discussion to wrap up this year! Thanks for listening to Mind Over Money (Season 4) in 2025. We've almost hit 10,000 downloads. We appreciate you all! ❤️ Love the show? Please Subscribe! Leave a rating or review! 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au 👉 Follow us on Instagram: @waymakerfinance IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au 🎙 Recorded using Riverside.fm

October 27, 2025Episode 9621 min

ENCORE: Who's In Your Financial Community?

ENCORE (of Ep 52) Tim, Lachy and Archie discuss communities, how they affect our finances, and why we need experts in our financial community. Do you have any of these professionals in your community? Financial advisors? Accountant? Insurance specialist? Mortgage Broker? Buyers Advocates? Credit Specialists? Share Brokers? Business Brokers? Solicitors? Tik Tok professionals? (just kidding!) 👉 Follow us on Instagram: @waymakerfinance ❤️ Love the show? Leave a rating or review! 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback Talk to a Waymaker Advocate or Mortgage Broker: waymakerfinance.com.au IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson and Archie Franz. www.waymakerfinance.com.au 🎙 Recorded using Riverside.fm

July 16, 2025Episode 9537 min

Why Saving Isn’t Enough: Start Investing to Buy Your Freedom

Ep 95. It’s great to save money – but saving alone won’t help you achieve your goals. In this episode of Mind Over Money , Lachy, Archie, and Tim unpack the mindset shift from saving to investing, and why it’s essential for having income throughout your life. We explore: The power of compounding: what $10K per year (just $192 a week) could grow into over 40 years at 8% return Why most Aussies don’t really save — they just delay spending How cars, homes, groceries and entertainment offer hidden savings that can be redirected into investments Why starting early matters — and how small, consistent habits create big results Free resource: 25 Ways to Save and Invest Money Play with the investment calculator: waymakerfinance.com.au/calculators/investment ❤️ Love the show? Please Subscribe! Leave a rating or review! 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback or email podcast[@]waymakerfinance.com.au Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au 👉 Follow us on Instagram: @waymakerfinance IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au 🎙 Recorded using Riverside.fm

May 16, 2025Episode 9421 min

Meal Planning & Moving to Tassie with Chelsea Goodwin

Ep 94. Chelsea Goodwin is back on the podcast! Lachy and Tim discuss Chelsea’s new best-selling book, life in Tasmania and cost of living tips. Get ‘Money-Saving Meal Plans with Chelsea’ at BigW and all major bookstores. We'll be back soon with Archie and the crew for more money discussions. ❤️ Love the show? Please Subscribe! Leave a rating or review! 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback or email podcast[@]waymakerfinance.com.au Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au 👉 Follow us on Instagram: @waymakerfinance IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au 🎙 Recorded using Riverside.fm

March 22, 2025Episode 9317 min

How To Find A Good Investment Property Manager 🏠

Ep 93 Lachy speaks to Jack Patterson from Housemark about why you shouldn’t manage your own investment property, and instead, leave it to a professional! www.Housemark.com.au is an award-winning property management firm with locations across South East Queensland. This episode is filled with practical tips to help you manage your investment property to get the best return. Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au ❤️ Love the show? Please Subscribe! Leave a rating or review! 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback or email podcast[@]waymakerfinance.com.au 👉 Follow us on Instagram: @waymakerfinance IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. It is NOT financial advice! Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au 🎙 Recorded using Riverside.fm

February 19, 2025Episode 9225 min

The TRUTH About Your Interest Rate! (The RBA Won't Tell You)

Ep 92 (WELCOME TO SEASON 4 PREMIERE!). Archie, Lachy and Tim discuss what really matters when it comes to your home loan, and what you can do about the changes to interest rates. What a cracker of an episode to kick start season 4! Talk to a Waymaker Financial Coach or Mortgage Broker (It's free to chat!): waymakerfinance.com.au ❤️ Love the show? Please Subscribe! Leave a rating or review! 💬 Give us feedback / submit your questions for our upcoming Q&A episode: waymakerfinance.com.au/podcast/feedback or email podcast[@]waymakerfinance.com.au 👉 Follow us on Instagram: @waymakerfinance IMPORTANT: All of our content including this episode is only for education and entertainment purposes only. Never get financial advice from a podcast! You've been warned. No information on this show takes into account your personal financial situation or goals. Please consider if the advice is appropriate to you and your needs, before acting on the information. We always recommend you seek personal financial advice from a Financial Advisor that’s tailored to your goals and situation Presented by Waymaker Finance 🇦🇺 & hosted by Lachlan Nicolson, Tim Evans and Archie Franz. www.waymakerfinance.com.au 🎙 Recorded using Riverside.fm

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