Key Takeaways:

• Understanding Superannuation Basics: Learn about superannuation contributions, checking statements, and the various investment options available within Australia's retirement savings scheme.
• Navigating Fees and Multiple Super Accounts: Gain clarity on managing fees and deciding on the number of super accounts, reinforcing the importance of consolidating accounts to save on unnecessary costs.
• Yearly Checkup: Pete emphasizes the significance of annual financial check-ins to manage and maximize one’s superannuation benefits thoughtfully and responsibly.

Notable Quotes:

1. "Superannuation is basically just money for your retirement."
2. "If you haven’t checked your super statement, now is the time to verify your contributions and ensure your financial foundation is solid."
3. "Explore the potential of salary sacrifice; it’s about more than just paying yourself in the future."
4. "Think prudently and steward your money carefully; it’s about more than technical finance, it’s about planning for every season of life."
5. "Don’t jump out of your super fund just because of a bad year; consider the broader, long-term trajectory before making decisions."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Key Takeaways:

• Greed can often be disguised as ambition, and being aware of this is essential for maintaining financial and spiritual balance.
• Participating in a self-assessment regarding greed can help clarify one's relationship with money and possessions.
• Biblical references show a consistent message against greed, highlighting the importance of contentment and generosity.
• Spiritualizing financial decisions without seeking divine guidance can lead to justifying greed.
• Practicing generosity and seeking God's guidance in financial decisions are key components in overcoming the pitfalls of greed.

Notable Quotes:

1. "Greed is probably wanting more and pursuing more at a really selfish, intense kind of way than what we need or deserve." - Pete Burrows
2. "If you're living in the light of Jesus, be free from the love of money, for God has said, 'I will never leave you or forsake you.'" - Ben McKeckechen
3. "I always think, my wife always says to me, you've got to hold things lightly." - Pete Burrows
4. "Watch out, be on guard against all greed. Because one's life is not in the abundance of his possessions." - From the Bible, Luke Chapter 12
5. "Does it benefit you if you've got all those possessions in the world, but there's nothing in your heart?" - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Key Takeaways:

• Separate Finances: It's crucial for tradies to distinguish between personal and business finances to maintain clarity and manage liabilities effectively.
• Do Your Admin: Staying on top of paperwork and administrative tasks can save a lot of stress and potential legal complications down the road.
• Know Your Worth: Tradies should confidently set fair prices that reflect their skills, experience, and the true cost of operating a business.
• Building a Team: Having a supportive network, including professionals like accountants and mentors, is invaluable for self-employed individuals.
• Christian Ethics in Trades: Practicing integrity and valuing customer relationships is emphasized, highlighting how faith can influence professional conduct.

Notable Quotes:

1. "What is not boring is making money and staying out of jail."
2. "Don't be afraid to charge what you're worth."
3. "We need to reflect all the costs and recognize the value we provide."
4. "I think we're called to a higher standard."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

So, Ben forgot to get Pete to stay around in the studio to let you know that... SEASON 9 drops on Wednesday, October 1, 2025. Huge, right?!?!?!?! Can't wait for you to hear what is in store, and Ben gives you a sneak peak. What do Tradie Tips, Ultimate Super answers, and a test for greed have in common? Find out.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

In August, the RBA cut interest rates by 0.25 percentage points to 3.6 per cent.

While interest rates may have dipped, mortgage stress and housing affordability remain front-page issues in 2025.

Oldie But a Goldie - Dive into this episode from Season 3 to unpack what rate changes always mean for your home loan and budget. At the time of first recording, the Reserve Bank of Australia was in all sorts of scrutiny. Pete was able to map out where we are at in the history of interest rates. Ben wondered if Australia has any other weapons for fighting inflation. What debt should you try to get on top of first?

Pete provides strategies for you to immediately tackle the costs of borrowed money.

Got a question for the Money Team? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Ben chimes in to thank different members of the Facebook Group!

Specal shoutout to Shane, Stephen and Will - thankyou for adding value in the FB group!

Please send us suggestions / questions / topics for SEASON NINE!

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Key Takeaways:

• Hidden costs are prevalent across various transactions but can often be minimised by thoroughly reviewing terms and engaging in informed decision-making.
• The RBA's reviewed stance on credit card surcharges could significantly impact consumer savings in Australia, potentially changing how payments are processed.
• Financial literacy involves more than understanding visible expenses; it's crucial to delve into the fine print to uncover potential hidden fees.
• Real-world examples, such as fees associated with property transactions or subscriptions, highlight the necessity of awareness around potential 'break fees.'
• Biblical principles, like honesty and foresight, provide valuable ethical guidelines on managing financial transactions and understanding costs involved in purchases.

Notable Quotes:

1. "There's a hidden charge just to spend money." - Pete Burrows
2. "We read the quote, but we pay on the bill." - Pete Burrows
3. "Understand, nothing is really free. It's just a question of who's paying the cost." - Pete Burrows
4. "Future you will thank you though. Like you need to do the work, we need to look for the savings." - Pete Burrows
5. "We want the thing, but we don't understand everything beforehand." - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Key Takeaways:

• Faith vs. Finance: The episode explores the potential conflict between staying true to one's faith and the financial temptations that professional contracts might present.
• Navigating Workplace Ethics: It highlights the subtle and explicit ways in which employment can impact or challenge personal beliefs and values.
• Professional Athletes and Faith: Neymar’s contract scenario underscores how high-profile individuals navigate faith publicly and what ethical dilemmas may arise.
• Faith Expression in Jobs: Listeners are prompted to reflect on the personal and professional boundaries they encounter in their own workplaces.
• Community Insights: A call is made for listeners to share their experiences in the Money, Faith and Finance Facebook group, promoting a collaborative dialogue.

Notable Quotes:

1. "I'd like to think I couldn't be bought and I couldn't be sold." - Pete Burrows
2. "What is the difference between propaganda and just living out your faith or stating your faith?" - Pete Burrows
3. "Boxing is great, but God cleans my soul." - Ben McEachen, quoting Oleksandr Usyk (click on link)
4. "Have you prioritised the money over, living out your Christian faith?" - Ben McEachen
5. "Am I being challenged in my faith and what's my response to that challenge?" - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.