We humans just love a shortcut. The promise of a more convenient and easy way to get richer seduces the emotional part of our brains, rather than the more evolved, rational part of our brain.In this episode I discuss four common get rich quick schemes and why they often end in tears of disappointment.I discuss share trading, property investing, multi-level marketing and of course, cryptocurrency.To learn more about your host, money coach Matt Hern visit my website.Follow me on LinkedIn, Facebook and Instagram.-----Standard &amp; Poors' Index vs Active fund manager survey (SPIVA)https://www.spglobal.com/spdji/en/spiva/article/spiva-australia/Episode 9. How to Start DIY Investing

We humans just love a shortcut. The promise of a more convenient and easy way to get richer seduces the emotional part of our brains, rather than the more evolved, rational part of our brain.In this episode I discuss four common get rich quick schemes and why they often end in tears of disappointment.I discuss share trading, property investing, multi-level marketing and of course, cryptocurrency.To learn more about your host, money coach Matt Hern visit my <a href="http://matthern.com.au/" rel="nofollow" target="_blank">website</a>.Follow me on <a href="http://www.linkedin.com/in/matthern" rel="nofollow" target="_blank">LinkedIn</a>, <a href="https://www.facebook.com/matthern/" rel="nofollow" target="_blank">Facebook</a> and <a href="https://www.instagram.com/matthern_moneyguide/%C2%A0" rel="nofollow" target="_blank">Instagram</a>.-----Standard &amp; Poors' Index vs Active fund manager survey (SPIVA)<a href="https://www.spglobal.com/spdji/en/spiva/article/spiva-australia/" rel="nofollow" target="_blank">https://www.spglobal.com/spdji/en/spiva/article/spiva-australia/</a>Episode 9. <a href="https://moneyforlife.link/episodes/9" rel="nofollow" target="_blank">How to Start DIY Investing</a>

15. Four Get Rich Quick Schemes That Often End in Tears

Romance and love can be one of the most exciting elements of our lives. And when you include money in the mix, sparks can fly – but not necessarily in the good way.Money is one of the most common areas of marital conflict. It is therefore wise when mixing money and love to proceed cautiously and consciously.In this episode I share six things to consider before joining your finances. If you do decide to mix money and love I’ll also share the clever way to join finances, plus I’ll share two cautions and two things not to do.------------Check out my course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

Romance and love can be one of the most exciting elements of our lives. And when you include money in the mix, sparks can fly – but not necessarily in the good way.Money is one of the most common areas of marital conflict. It is therefore wise when mixing money and love to proceed cautiously and consciously.In this episode I share six things to consider before joining your finances. If you do decide to mix money and love I’ll also share the clever way to join finances, plus I’ll share two cautions and two things not to do.------------Check out my <a href="https://matthern.com.au/save-more-and-still-enjoy-life/" rel="nofollow" target="_blank">course </a>to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="https://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au </a>and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

14. Joining Finances with your Partner – Considerations, cautions and the clever way to do it

A tax refund can feel like an unexpected windfall, which you can splurge on treats and luxuries. But a tax refund is actually your hard-earned money being returned to you.So, just like I hope you are with the rest of your hard-earned money I encourage you to be wise, not wasteful with your tax refund.In this episode I share how the pandemic has influenced how I think about wisely using your tax refund, or any windfall.--------------Check out myfree course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

A tax refund can feel like an unexpected windfall, which you can splurge on treats and luxuries. But a tax refund is actually your hard-earned money being returned to you.So, just like I hope you are with the rest of your hard-earned money I encourage you to be wise, not wasteful with your tax refund.In this episode I share how the pandemic has influenced how I think about wisely using your tax refund, or any windfall.--------------Check out my<a href="https://matthern.com.au/save-more-and-still-enjoy-life/" rel="nofollow" target="_blank">free course</a> to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="http://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

13. Wise Use of Your Tax Refund in a Pandemic World

“Advertising: The gentle art of persuading the public to believe that they want something they don’t need.” W.T. O’Connor, Ad Sense 1905.100 years later I’m not so sure I’d use the word “gentle”.Marketers are trained to hack our brains to convince us we want things we don’t need.Were you taught a robust way to work out if you can afford all of those things you want?In today’s episode, I’ll share with you a framework I’ve developed over the past 15 years that you can use to build a plan of what you can afford.-----------------Check out my free course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

“Advertising: The gentle art of persuading the public to believe that they want something they don’t need.” W.T. O’Connor, Ad Sense 1905.100 years later I’m not so sure I’d use the word “gentle”.Marketers are trained to hack our brains to convince us we want things we don’t need.Were you taught a robust way to work out if you can afford all of those things you want?In today’s episode, I’ll share with you a framework I’ve developed over the past 15 years that you can use to build a plan of what you can afford.-----------------Check out my <a href="https://matthern.com.au/save-more-and-still-enjoy-life/" rel="nofollow" target="_blank">free course</a> to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="http://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

12. How to Know What You Can and Cannot Afford

Do you, like me, feel a persistent tension between trying to have savings and the many things you want to buy and do; between trying to be good with money and not wanting to miss out? After years of studying money what I now have is a better framework for how to make decisions when I’m feeling that tension. In this episode I introduce you to that framework to help you allocate your money and afford a life that lights you up.Delve deeper into the savvy spending system in my free course  and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

Do you, like me, feel a persistent tension between trying to have savings and the many things you want to buy and do; between trying to be good with money and not wanting to miss out? After years of studying money what I now have is a better framework for how to make decisions when I’m feeling that tension. In this episode I introduce you to that framework to help you allocate your money and afford a life that lights you up.Delve deeper into the savvy spending system in my <a href="https://matthern.com.au/save-more-and-still-enjoy-life/" rel="nofollow" target="_blank">free course</a>  and afford a life that lights you up!For my free course visit <a href="http://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

11. Building a Savvy Spending System

Money is sooo broad….so many strategies for using it and investing it and so many products for each strategy. It feels impossible to know what to focus on and where to start.When we're overwhelmed I find we either do nothing or do the simplest or sexiest thing. The trouble is we end up overlooking important elements of managing our money until they force us to pay attention to them. In this episode, I share with you a framework I call the 3Cs of Money Mastery to help you have a map of the territory of managing your money to afford a life that lights you up.Check out my free course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

Money is sooo broad….so many strategies for using it and investing it and so many products for each strategy. It feels impossible to know what to focus on and where to start.When we're overwhelmed I find we either do nothing or do the simplest or sexiest thing. The trouble is we end up overlooking important elements of managing our money until they force us to pay attention to them. In this episode, I share with you a framework I call the 3Cs of Money Mastery to help you have a map of the territory of managing your money to afford a life that lights you up.Check out my <a href="https://matthern.com.au/save-more-and-still-enjoy-life/" rel="nofollow" target="_blank">free course</a> to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="http://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

10. Money Simplified

Expertise, Energy and Time – they are three elements you need if you are going to successfully do your own direct investing. If you are interested enough to dedicate time to  directly investing your own money, then first you need to invest your time and energy in acquiring the expertise. In this episode, I talk about where to start and suggest three types of portfolios to have. I also explore how to evaluate if doing it yourself is adding enough value to be worthwhile.---Check out my free course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

Expertise, Energy and Time – they are three elements you need if you are going to successfully do your own direct investing. If you are interested enough to dedicate time to  directly investing your own money, then first you need to invest your time and energy in acquiring the expertise. In this episode, I talk about where to start and suggest three types of portfolios to have. I also explore how to evaluate if doing it yourself is adding enough value to be worthwhile.---Check out my<a href="https://matthern.com.au/save-more-and-still-enjoy-life/" rel="nofollow" target="_blank"> free course</a> to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="http://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

9. How to Start DIY Investing

Whilst going full DIY on every element of managing your money can seem like a good idea, it's only the right thing to do in certain situations and in certain aspects of your finances.  Getting the choice wrong can lead to worse  quality of life and worse financial outcomes. In this episode, I share three criteria to help you identify the aspects of your financial situation to manage yourself, and which you should outsource to professionals.They're three criteria you can apply to help you flourish in other areas of your life as well.----Check out my free course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

Whilst going full DIY on every element of managing your money can seem like a good idea, it's only the right thing to do in certain situations and in certain aspects of your finances.  Getting the choice wrong can lead to worse  quality of life and worse financial outcomes. In this episode, I share three criteria to help you identify the aspects of your financial situation to manage yourself, and which you should outsource to professionals.They're three criteria you can apply to help you flourish in other areas of your life as well.----Check out my <a href="https://matthern.com.au/save-more-and-still-enjoy-life/" rel="nofollow" target="_blank">free course</a> to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="http://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

8. When To DIY Your Wealth Creation and When Not To

Rather than being a massive overwhelming target that's not even worth pursuing, I believe financial freedom is well within your reach right now. -------For extra  guidance in becoming financially free check out my free course  at www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide-------Music credits:I Want To Break Free - QueenI’m Free – The Rolling Stones

Rather than being a massive overwhelming target that's not even worth pursuing, I believe financial freedom is well within your reach right now. -------For extra  guidance in becoming financially free check out my <a href="https://matthern.com.au/save-more-and-still-enjoy-life/" rel="nofollow" target="_blank">free course</a>  at <a href="http://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide-------Music credits:I Want To Break Free - QueenI’m Free – The Rolling Stones

7. Becoming Financially Free

When it comes to getting more happiness from our money, socialising is a double-edged sword. Social connection can deliver our greatest joy and be our financial Achilles heel.In this episode we conclude our journey through the World Health Organisation’s Quality of Life framework and explore the domain of social relationships. Check out my free course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au  and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

When it comes to getting more happiness from our money, socialising is a double-edged sword. Social connection can deliver our greatest joy and be our financial Achilles heel.In this episode we conclude our journey through the World Health Organisation’s Quality of Life framework and explore the domain of social relationships. Check out my <a href="https://matthern.com.au/save-more-and-still-enjoy-life/" rel="nofollow" target="_blank">free course</a> to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="http://www.matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a>  and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

6. The Double-Edged Sword of Socialising

A podcast about how you can get greater happiness from your money and afford a life that lights you up!I blend insights from social science and personal finance to explore how you can get more happiness from how you earn, spend and manage your money.It's time to move well beyond surviving. It's time to flourish!I'm money coach, Matt Hern and I'd love for you join me on this journey to Money for Life.For a deeper insight, I invite you to listen to the trailer.For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

"Happiness Money" is a spending category I feel that we may all benefit from having. But before you go blazing away your money on anything that takes your fancy, listen to make sure you know what I mean. Otherwise, you may be wasting your money and not getting the happiness you expect and deserve.Check out my free course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide----Episode references:"The How of Happiness" by Sonja Lyubomirsky. http://thehowofhappiness.com/Stone, B. M., &amp; Parks, A. C. (2018). Cultivating subjective well-being through positive psychological interventions. In E. Diener, S. Oishi, &amp; L. Tay (Eds.), Handbook of well-being. Salt Lake City, UT: DEF Publishers. DOI:nobascholar.comhttps://nobascholar.com/chapters/59Australian Psychological Society,  Stress and Wellbeing in Australia survey, 2015. https://www.psychology.org.au/About-Us/What-we-do/Research/Stress-wellbeing-how-Australians-are-coping-wiRelationships Australia Relationships Indicators Survey 2011. http://www.relationships.org.au/what-we-do/research/australian-relationships-indicators/relationships-indicator-2011

"Happiness Money" is a spending category I feel that we may all benefit from having. But before you go blazing away your money on anything that takes your fancy, listen to make sure you know what I mean. Otherwise, you may be wasting your money and not getting the happiness you expect and deserve.Check out my <a href="https://matthern.com.au/save-more-and-still-enjoy-life/" rel="nofollow" target="_blank">free course</a> to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="http://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide----Episode references:"The How of Happiness" by Sonja Lyubomirsky. <a href="http://thehowofhappiness.com/" rel="nofollow" target="_blank">http://thehowofhappiness.com/</a>Stone, B. M., &amp; Parks, A. C. (2018). Cultivating subjective well-being through positive psychological interventions. In E. Diener, S. Oishi, &amp; L. Tay (Eds.), Handbook of well-being. Salt Lake City, UT: DEF Publishers. DOI:<a href="http://nobascholar.com" rel="nofollow" target="_blank">nobascholar.com</a><a href="https://nobascholar.com/chapters/59" rel="nofollow" target="_blank">https://nobascholar.com/chapters/59</a>Australian Psychological Society,  Stress and Wellbeing in Australia survey, 2015. <a href="https://www.psychology.org.au/About-Us/What-we-do/Research/Stress-wellbeing-how-Australians-are-coping-wi" rel="nofollow" target="_blank">https://www.psychology.org.au/About-Us/What-we-do/Research/Stress-wellbeing-how-Australians-are-coping-wi</a>Relationships Australia Relationships Indicators Survey 2011. <a href="http://www.relationships.org.au/what-we-do/research/australian-relationships-indicators/relationships-indicator-2011" rel="nofollow" target="_blank">http://www.relationships.org.au/what-we-do/research/australian-relationships-indicators/relationships-indicator-2011</a>

5. Happiness Money

Do you have a sense of what it looks and feels like to be financially well?And do you know the most important areas to focus on if you or someone you care about wants to be better with money?Being financially well is one of the basics that when not addressed can drag down our quality of life and negate the effect of happiness boosters. So investing in improving your financial wellbeing is money well spent for your happiness and quality of life.In this episode discover three stages of financial wellbeing, how to evaluate your level of financial wellbeing and where to focus to become more financially well.I also share the two following stages beyond wellbeing, which together form the Money for Life journey to flourishing.-------Check out my free course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

Do you have a sense of what it looks and feels like to be financially well?And do you know the most important areas to focus on if you or someone you care about wants to be better with money?Being financially well is one of the basics that when not addressed can drag down our quality of life and negate the effect of happiness boosters. So investing in improving your financial wellbeing is money well spent for your happiness and quality of life.In this episode discover three stages of financial wellbeing, how to evaluate your level of financial wellbeing and where to focus to become more financially well.I also share the two following stages beyond wellbeing, which together form the Money for Life journey to flourishing.-------Check out my <a href="https://dashboard.simplecast.com/accounts/f9d4b3ef-a80e-43e2-a23b-44b29ff5b009/shows/3e93a96a-b0f4-4c0d-b2b1-17e4e302a7f7/episodes/314df6cc-538a-4ed6-85ed-7f0f6953ca3c/6%20Key%20Ingredients%20to%20Saving%20More%20While%20Still%20Enjoying%20Life" rel="nofollow" target="_blank">free course</a> to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="http://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

4. Financial Wellbeing: What It Is and How To Get It

Grab your activewear as we delve into the first of the four quality of life domains as defined by the World Health Organisation.  (See episode 2.) I discuss several basics that we seem to be reluctant to spend money on but which provide a solid foundation for us to be at our best.---Check out my free course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

Grab your activewear as we delve into the first of the four quality of life domains as defined by the World Health Organisation.  (See episode 2.) I discuss several basics that we seem to be reluctant to spend money on but which provide a solid foundation for us to be at our best.---Check out my <a href="https://dashboard.simplecast.com/accounts/f9d4b3ef-a80e-43e2-a23b-44b29ff5b009/shows/3e93a96a-b0f4-4c0d-b2b1-17e4e302a7f7/episodes/314df6cc-538a-4ed6-85ed-7f0f6953ca3c/6%20Key%20Ingredients%20to%20Saving%20More%20While%20Still%20Enjoying%20Life" rel="nofollow" target="_blank">free course</a> to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="http://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

3. A Little Bit of Huffy Puffy

How do you know if you are making the best use of your money in the pursuit of a life that lights you up? Every day we are presented with more enticing opportunities to spend our money on than we have available money. So how do we decide? In this episode I share a framework of a quality life that lights you up, which can be our guide.---Check out my free course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

How do you know if you are making the best use of your money in the pursuit of a life that lights you up? Every day we are presented with more enticing opportunities to spend our money on than we have available money. So how do we decide? In this episode I share a framework of a quality life that lights you up, which can be our guide.---Check out my <a href="https://dashboard.simplecast.com/accounts/f9d4b3ef-a80e-43e2-a23b-44b29ff5b009/shows/3e93a96a-b0f4-4c0d-b2b1-17e4e302a7f7/episodes/314df6cc-538a-4ed6-85ed-7f0f6953ca3c/6%20Key%20Ingredients%20to%20Saving%20More%20While%20Still%20Enjoying%20Life" rel="nofollow" target="_blank">free course</a> to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="http://matthern.com.au/" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

2. What Money Is Really For

You probably know several people who are experiencing this, maybe including you. Is it normal? Is it common? Tune in to  find out, plus discover what causes it and why everyone is susceptible.---Check out my free course to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit www.MattHern.com.au and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguideEpisode music credit: "The Fear", by Lilly Allen, 2009

You probably know several people who are experiencing this, maybe including you. Is it normal? Is it common? Tune in to  find out, plus discover what causes it and why everyone is susceptible.---Check out my <a href="6 Key Ingredients to Saving More While Still Enjoying Life" rel="nofollow" target="_blank">free course</a> to help you take control of your money, to stress less, save more and afford a life that lights you up!For my free course visit <a href="http://www.MattHern.com.au" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguideEpisode music credit: "The Fear", by Lilly Allen, 2009

1. More Common Than You May Realise

Discover what Money for Life is all about. I hope you join me.To learn more about your host, money coach Matt Hern visit my website.

Discover what Money for Life is all about. I hope you join me.To learn more about your host, money coach Matt Hern visit my <a href="http://matthern.com.au/" rel="nofollow" target="_blank">website</a>.

Money for Life Trailer

A podcast about how you can get greater happiness from your money and afford a life that lights you up! I blend insights from social science and personal finance to explore how you can get more happiness from how you earn, spend and manage your money. It's time to move well beyond surviving. It's time to flourish! I'm money coach, Matt Hern and I'd love for you join me on this journey to Money for Life. For a deeper insight, I invite you to listen to the trailer. For my free course visit <a href="http://www.MattHern.com.au" rel="nofollow" target="_blank">www.MattHern.com.au</a> and follow FB @matthern, LinkedIn @matthern IG @matthern_moneyguide

Money for Life

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Best Episodes on Practical Philosophy & How To Live

The best podcast episodes on physical health. Episodes talk about your diet, sleep, exercise and all the things that people do to improve their physical health and live a healthier life. This topic is for everyone, with applications in all of our everyday lives. Add episodes you're interested into your queue below!