Money and Investing with Andrew Baxter

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch.

In this episode, we break down the Biggest Money Mistakes people make in their 20s and 30s and how these early decisions can quietly cost you years of wealth. From delaying investing to overspending just to keep up appearances, these habits can set the tone for your long-term financial position.

One of the Biggest Money Mistakes is not starting early enough. Time plays a major role in building wealth, and even small, consistent investments can grow into significant amounts over decades. The longer you wait, the harder it becomes to catch up. We also unpack why focusing only on income, instead of building assets, can limit your financial progress.

This conversation highlights the difference between earning money and creating wealth. It also touches on behavioural patterns, including lifestyle spending and the pressure to stay relevant, which often leads to poor financial decisions.

If you are in your 20s or 30s, or even beyond, understanding these Biggest Money Mistakes can help you shift your approach and take control of your financial future.

Listen now and take the first step towards building long-term wealth. If you found value in this episode, subscribe, leave a review, and share it with someone who needs to hear it.

Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 

FREE Online Training with Andrew Baxter: https://bit.ly/cod-online  

Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ 

The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ 

The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch.

In this episode, we break down Interest Rates in 2026 and the growing divide between Australia and the United States. With inflation still pushing higher locally and policy decisions falling behind the curve, Australia faces a very different path compared to a US economy that may soon move towards rate cuts.

Andrew and Mitch unpack what is really driving Interest Rates in 2026, from government spending and private sector demand to energy costs and central bank timing. The conversation highlights how rising rates continue to place pressure on households, while also shaping opportunities across equities, bonds, and commodities.

You will also gain insight into how global factors like oil prices, tariffs, and currency movements are influencing inflation and market direction. More importantly, this episode focuses on how to think about positioning your portfolio as conditions shift, rather than reacting to headlines.

Interest Rates in 2026 are not just about policy changes. They reflect deeper structural issues and create clear winners and losers across the market.

If you want to stay ahead of what is driving markets right now and make informed decisions with confidence, this episode is for you.

Subscribe, leave a review, and share this episode with someone who needs a clearer view of where markets are heading.

Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 

FREE Online Training with Andrew Baxter: https://bit.ly/cod-online  

Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ 

The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ 

The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch.

In this episode, the focus turns to Stock Market Cycles and how they shape investor behaviour, decision-making, and long-term results. Many people recognise boom and recession, but far fewer understand the full cycle and how each phase impacts risk, opportunity, and timing.

Andrew break down the four key Stock Market Cycles and explain what typically happens in each stage, from rising confidence in a boom to hesitation during recovery. More importantly, they highlight how emotions like fear, greed, and overconfidence can influence outcomes, often leading investors to act at the wrong time.

The discussion also covers practical ways to approach these cycles with more clarity. From understanding the difference between price and value to using tools like on-balance volume and volatility, this episode focuses on building a process based on facts, not feelings.

If you want to improve how you respond to changing market conditions and make more informed decisions, this episode offers a clear framework grounded in real market behaviour.

Follow the show for more practical money and investing insights, and share this episode with someone looking to build a smarter approach to the market.

Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 

FREE Online Training with Andrew Baxter: https://bit.ly/cod-online  

Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ 

The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ 

The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch.

Geopolitical conflict has once again taken centre stage, and the economic ripple effects are already being felt across global markets. In this episode, Andrew and Mitch unpack the growing Iran vs US tensions and explain why this conflict is far more than a headline in the news. From oil supply disruptions to rising energy prices, the Iran vs US situation is rapidly influencing inflation, interest rates, and the direction of global markets.

As the Strait of Hormuz faces disruption and a significant portion of the world’s oil supply hangs in the balance, the economic implications become impossible to ignore. Higher fuel prices ripple through freight, manufacturing, and food supply chains, placing pressure on central banks and adding further complexity to the inflation battle.

Andrew also steps back to examine the bigger geopolitical picture. Could the Iran vs US conflict be part of a broader strategic move ahead of major global negotiations? How might this situation affect China, global energy markets, and the stability of the financial system?

Most importantly, Andrew and Mitch break down how traders and investors can think through these moments of uncertainty. With volatility rising and markets reacting quickly, understanding the economic mechanics behind geopolitical events becomes an advantage.

If you want a clearer perspective on how global conflict connects to markets, inflation, and economic power shifts, this episode is one you will not want to miss.

Follow the show for more clear and practical money and investing insights, and share this episode with someone who wants to stay informed.

Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 

FREE Online Training with Andrew Baxter: https://bit.ly/cod-online  

Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ 

The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ 

The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch.

Superannuation is one of the most powerful tools Australians have for building long term wealth, yet many people pay very little attention to it. For many, super runs quietly in the background while contributions go in automatically. But without a clear strategy, that retirement nest egg may fall well short of what is possible.

In this episode, Andrew and Mitch unpack the key ideas behind Optimising Superannuation in Australia and why it deserves far more focus than most people give it. From understanding how super works to avoiding common mistakes such as holding multiple accounts or ignoring asset allocation, they explain how small changes today can lead to a far stronger financial position later in life.

The conversation also covers practical strategies for Optimising Superannuation in Australia, including adjusting your investment mix, consolidating accounts to reduce fees, and making additional contributions in a tax efficient way. Andrew also shares insights into self managed super funds, when they may make sense, and the risks investors should consider before setting one up.

Retirement planning is not something to leave until the last minute. By focusing on Optimising Superannuation in Australia early and consistently, investors can give themselves a far better chance of building a retirement they can truly enjoy.

If you found this episode helpful, subscribe to the show, leave a review, and share it with someone who should start taking their super more seriously.

Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1 

FREE Online Training with Andrew Baxter: https://bit.ly/cod-online  

Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/ 

The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/ 

The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387