Total Money Management

Signals and Noise with Steve, Tom, and JacobMost people invest like everyone else and wonder why they get everyone else's results.Every week Steve, Tom, and Jacob cut through the financial noise: stocks, property, bonds, the global economy, all the big ideas made simple, with straight talk and a bit of humour.But first, find out what kind of investor you actually are.Our free 2 minute assessment shows you your investor type, the blind spots that quietly cost you money, and the strategy that fits how you are wired. → Take the free quiz: https://www.totalmoneymanagement.com.au/Quiz

Total Money Management is a business podcast hosted by Unknown Host, with 162 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts Total Money Management, a business show with 162 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Total Money Management

  Episode 148: The Anti-Fragile Investor Part 2

  Aug 16, 202642 min

  Part 2 of the Anti-Fragile Investor. Steve Moriarty and Jacob Senior move from theory to practice, walking through Taleb's six operational principles, the barbell strategy, and why volatility drag makes one bad year worse than most investors realise. With CAPE at 42.5, the goal isn't to predict the next crash, it's to build a portfolio that benefits when one arrives. Companion paper: Join Signals & Noise (free weekly newsletter): totalmoneymanagement.com.au Take the investor personality assessment: totalmoneymanagement.com.au/Enneagram-types Join the S&N Premium community: totalmoneymanagement.com.au/offers/PrbobKT9 This podcast is for informational purposes only and does not constitute financial advice. Total Money Management | AFSL 568642.

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  Total Money Management

  Episode 145: The Property Game Is Over

  Jul 26, 202645 min

  Oil just jumped 20% in a fortnight, the US market is priced for perfection, and Australian property looks like it has finally rolled over. Red flags are everywhere. Steve, Tom and Jacob run through the week that was: the broken ceasefire and the race toward nuclear, a market sitting 200% above trend with Buffett quietly selling, the private credit boom regulators are now worried about, and why 25 years of property gains may be ending. Then the part most people skip: how to keep your head when markets turn, using System 1 and System 2 thinking, a written plan, and a longer time frame. Free newsletter: https://www.totalmoneymanagement.com.au Full show notes: https://www.totalmoneymanagement.com.au/Episode145 Follow and leave a review to help us grow. General information and education only, not financial advice. Total Money Management | AFSL 568642

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  Total Money Management

  Episide 144: Everybody's Knackered: Oil, Chips and Chokepoints

  Jul 19, 202644 min

  Steve, Tom and Jacob are back (with working microphones this time) to unpack a week where the cracks got harder to ignore. The Iran ceasefire has collapsed, tanker traffic through the Strait of Hormuz is running at a third of normal, and shipping insurance costs have jumped sevenfold. The lads explain why "oil" isn't one thing, why China's demand drop saved us last time, and why a genuine supply shock may still be creeping up on us. Then it's over to Korea, where the stock market swung wildly all week and the CAPE ratio has bolted from 17 to 44 in twelve months. Compare that with Indonesia, Brazil and Turkey sitting near 10, and the case for emerging markets and commodities starts to write itself. Plus: the AI earnings problem nobody wants to talk about, semiconductors now making up 20% of the S&P 500, what Buffett's IBM exit really tells us, and why margin debt at $1.5 trillion should have your attention. The title says it all: every country holds a chokepoint, and everybody's knackered. Watch Your Edge: markets can go sideways for 15 years or more. The era of quick capital gains is over, and the game is shifting to income and yield. Subscribe to the free Signals & Noise newsletter: https://www.totalmoneymanagement.com.au/ Want to go deeper? Join Signals & Noise Premium for weekly analysis, Stock Thoughts, and our monthly live coaching call. This podcast is for informational purposes only and does not constitute financial advice. Total Money Management | AFSL 568642.

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  Total Money Management

  Episode 143: A TMM Monologue

  Jul 14, 202616 min

  Episode 143: A TMM Monologue The ceasefire didn't hold, and neither did the calm. This week Steve flies solo (audio only) with a look at what the renewed Iran-US conflict means for oil, helium and fertiliser supply, and why the uncertainty premium is back in commodity markets. Also in this episode: Debt is piling up on both sides of the ledger: margin lending, leveraged ETFs and an options boom, all while the CAPE sits at 42, four and a half standard deviations above trend. Steve explains why that combination calls for caution, not prediction. Military spending is booming across the US, Europe, Japan and Australia, and governments competing for copper, iron ore and aluminium is one more reason we like commodities, and especially energy, over the long term. The OECD says the Australian economy is in trouble. Steve pushes back on the doom narrative, looks at the productivity debate, and unpacks what falling house prices might really signal. Plus, in Watch Your Edge: buy and hold wasn't always gospel. When strawberries are $15 a punnet, you skip the strawberries. The same logic applies to overpriced markets, and holding cash while you wait is not missing out. Subscribe to the free Signals & Noise newsletter: totalmoneymanagement.com.au Want the charts, data and full analysis behind this episode? Join Signals & Noise Premium: totalmoneymanagement.com.au/offers/UoT6mohZ/checkout Not sure what kind of investor you are? Take the TMM investor personality assessment: totalmoneymanagement.com.au/Enneagram-types This podcast is for informational purposes only and does not constitute financial advice. Total Money Management | AFSL 568642

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  Total Money Management

  Episode 142: Mastering the Markets Special

  Jul 5, 202639 min

  Buffett said if you can't manage your emotions, you can't manage your money. This week we prove him right. Steve, Tom and Jacob break down Howard Marks' Mastering the Market Cycle: the three stages of every boom and bust, why the CAPE at 42 stacks the odds against US stocks, and why you never need to pick the bottom. 🧠 What type of investor are you? Take the 2-minute quiz 👉 https://www.totalmoneymanagement.com.au/Quiz 📰 Free newsletter 👉 https://www.totalmoneymanagement.com.au/ 📊 Signals & Noise Premium 👉 https://www.totalmoneymanagement.com.au/offers/PrbobKT9/checkout General information only, not personal advice. Total Money Management, AFSL 568642.

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