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Financial Disclaimer for 'fireyfemmes' Podcast Episode
"This podcast episode featuring a financial advisor is for informational and entertainment purposes only. It does not constitute financial, investment, tax, legal, or professional advice.
The views expressed by the host, guest, and audience questions are their own and not endorsements.
Listeners should consult qualified professionals before making financial decisions. The host, podcast, and guest disclaim all liability for any losses or actions taken based on this content."

Discover practical strategies and mental models for building wealth, investing wisely, and planning for the future. In this episode, Emily shares her expertise on navigating the financial industry, avoiding common pitfalls, and aligning your financial goals with your values.

In this episode:
The evolution of the financial planning industry post-Royal Commission
The parallels between fitness goals and financial habits
How to motivate young people to start investing early
The power of compound interest and micro-investing apps
Strategies for diversification and risk management
Insights into employee share schemes and tax implications
Common pitfalls for tech professionals and how to avoid them
The importance of regular financial plan reviews
Addressing fears about market downturns and timing investments
Long-term planning: property vs stocks and the role of leverage
How social media influences financial decision-making and misconceptions about assets

Timestamps:
00:00 - Welcome and intro to the episode
02:32 - Emily's background and industry overview
03:47 - Industry changes since Royal Commission
04:17 - Trends in financial education and youth engagement
05:16 - Personal goal: running a half marathon
06:56 - Mental resilience in fitness and finance
08:06 - Motivating young investors & starting early
09:40 - Resources for beginner investors
10:48 - Micro-investing apps and roundup features
12:17 - How much to invest with limited income
14:09 - Managing market volatility and emotional decision-making
16:00 - The importance of a long-term investment horizon
17:39 - Property vs shares: which to prioritise
19:01 - Common traps for tech professionals & share schemes
21:24 - Tax implications of employee shares
22:54 - Planning for unlisted company options
24:42 - Diversification and reducing concentration risk
26:02 - Avoiding default mentalities in money management
27:52 - Recognising lifestyle creep and managing cash flow
28:58 - Personal finance forecasting & household budgeting
32:14 - Prioritising spending & saving based on values
33:28 - Reaching financial independence early
36:57 - Traits of high-achieving investors
37:27 - The value of regular review & plan adjustments
39:13 - Index investing vs active fund managers
41:04 - Building wealth after setbacks

Resources & Links:
Money Smart - Financial Tools - https://moneysmart.gov.au/
Raiz - Micro Investing App - https://raizinvest.com.au/
Spaceship - Investment Platform - https://www.spaceship.com.au/

Connect with Emily
LinkedIn: Emily Djekovic
Via Email: emily@securedwealth.com.au

This episode offers actionable insights for anyone looking to understand wealth strategies, avoid common pitfalls, and plan for a secure financial future. Whether you're a beginner or seeking to refine your approach, Emily's experience cuts through the noise to deliver clear, research-backed advice.

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Support the show

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