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 167 episodes on record and a Required Pod Score of 80.

Unknown Host hosts Total Money Management, a business show with 167 episodes published.

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  Total Money Management

  Episode 154: Greenland, Diesel Shortage Fears & the AI Cost Problem

  Sep 27, 202651 min

  Is Australia exposed to a diesel supply shock? Why does Greenland matter to the US military? And are AI companies actually making money? In this week's Signals & Noise (week ending 25 September), we cover the Donroe Doctrine, oil price swings and Strait of Hormuz rumours, rising memory chip costs, and why the AI business model faces a compute problem. We also look at why markets spend roughly 75% of the time in a drawdown, what that means for cash and rebalancing, and why the S&P 500 is close to setting the longest secular bull market on record on 20 October. FREE MASTERCLASS: How to Build an Antifragile Portfolio | Wednesday 30 September, 7pm Brisbane time Register here: https://totalmoneymanagement.com.au/Webinar-Anti-Fragile This podcast is general information and education only and does not constitute financial advice. Total Money Management | AFSL 568642.

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  Total Money Management

  Episode 153: Dodgy Loans, Private Credit and Late-Cycle Signs

  Sep 20, 202647 min

  Gold Coast broker Joel from Sunshine Finance joins Steve and Jacob to talk about the risks he sees on the lending front line, from property developments to private credit offers promising big returns. Joel comes from a construction background and says no before he says yes. He explains why commercial and asset finance rates move differently to home loans, why property development is riskier than it looks, and why any promised return needs a hard look at where it actually comes from. He also covers inflated loan applications, dealer finance where the repayments don't match the advertised rate, and what brokers without the right accreditations can mean for clients. We finish on what it all says about the cycle: rising fuel and living costs, stressed builders, and why cash flow and value matter more when markets get harder. Find Joel on Instagram: Joel.sunshinefinancebrokers 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 152: Grey Swans

  Sep 13, 202645 min

  Masterclass link: https://www.totalmoneymanagement.com.au/Webinar-Anti-Fragile 25 years since 9/11, and the Middle East is heating up again. Steve and Jacob break down the Houthi attacks on Saudi Arabia, Iran's economic squeeze, and oil pushing toward $100 a barrel, then dig into why avoiding big drawdowns matters more than chasing the top, with CAPE sitting at 42 and Taleb's black swan lens applied to markets. Free live masterclass, How to Build an Antifragile Portfolio, Wed 30 Sept, 7pm AEST. Link in bio. Total Money Management, AFSL 568642. General information and education only, not financial advice. Does not consider your personal objectives, financial situation or needs. Not a recommendation to buy or sell. Past performance is not a reliable indicator of future performance. Seek advice from a licensed advisor.

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  Total Money Management

  Episode 151: Cash Equals Options

  Sep 6, 202649 min

  FREE WEBINAR LINK: https://www.totalmoneymanagement.com.au/Webinar-Anti-Fragile?cid=7c7b1153-bccd-4fad-aef2-c3812804fe4a This week Steve, Tom and Jacob open with three headlines that are more connected than they look: Iran calling for resolution under the weight of sanctions and inflation, the link between immigration and wage suppression in Australia, and house prices falling across every capital city except Darwin. The CoreLogic numbers for August tell the story. Sydney down 4.7% for the quarter, Melbourne down 3.9%, and commentators now calling for falls of 10%. The quarterly picture is negative almost everywhere, and the annual gains in Brisbane, Perth and Adelaide are shrinking fast. From there the conversation turns to one of the most misunderstood positions in investing: holding cash. Most investors feel like they are losing by sitting in cash, but it is the opposite. Cash equals options. It is exactly how Warren Buffett was able to extract a 10% preferred dividend and warrants at $8 from Bank of America during the GFC. That deal was only available to the person with the money when nobody else had any. Buffett made $500 million on the dividends alone. We also walk through why buy and hold fails when you measure returns across a full market cycle, from low point to low point. The secular bull from 1982 to 2000 delivered 666%. The bear market that followed wiped out 59% of it. Once you add fees, inflation and tax, the full cycle return was close to zero. And then the part that changes how most people think about property versus stocks: rebalancing. You cannot rebalance a house. If it falls 20%, you sit and hope. With a diversified stock portfolio you can harvest winners and add to losers, and the maths show that rebalancing turns a flat market into a positive return. We walk through the example with two assets, one up 25% and one down 20%, and show how the rebalanced portfolio gains over 5% while the buy-and-hold portfolio gains nothing. This is why we think stocks are a better long-term investment. Property will have its day, but over time the ability to rebalance between uncorrelated assets leads to higher compound returns. New episode out every Monday. If you are finding these useful, a follow on Spotify or a subscribe on YouTube genuinely helps us grow. Signals and Noise Premium: https://www.totalmoneymanagement.com.au/offers/PrbobKT9/checkout Free investor personality test: https://www.totalmoneymanagement.com.au/Enneagram-types Follow on Spotify: https://open.spotify.com/show/0Sr60kq3V3q1mqiQPxiQ0l?si=d60ee47ccec54b81 More from TMM: https://www.totalmoneymanagement.com.au Steve, Tom and Jacob Total Money Management 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 150: Sanctions, Oil and Three Years On

  Aug 30, 202648 min

  150 episodes. Over three years of cutting through the noise together. To mark it, Steve, Tom and Jacob run through this week's biggest stories: new US sanctions on Iran and what they mean for oil, why Australia's fuel security is more fragile than the export numbers suggest, the real story behind US bond yields, and the US-Canada tariff standoff. They also dig into why private credit keeps making headlines and what a major builder collapse says about the sector. Then it's Watch Your Edge: why the stock market is such an expensive place to find out about yourself, how the Enneagram helps TMM coach clients through volatility, and why "trying harder" is often the worst response to a market that's moved against you. Thanks for three years of listening. Here's to the next 150. Join Premium here: https://www.totalmoneymanagement.com.au/offers/PrbobKT9/checkout This podcast is for informational purposes only and does not constitute financial advice. Total Money Management | AFSL 568642.

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