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.

Could your next mortgage repayment put even more pressure on your budget? The RBA could raise rates again, making the outlook for Australian interest rates an issue that reaches straight into your finances.

Another rate rise could mean higher borrowing costs, less room for everyday spending and tougher decisions about where your money goes. For investors, it also raises questions about business profitability, property affordability and the impact of debt on investment returns.

This episode puts the possibility of higher interest rates into a practical context. Why might the Reserve Bank of Australia consider another increase? How does inflation influence that decision? And what could it mean for your mortgage, savings and investment plans?

The focus is on understanding how a rate rise could flow through your finances, from household cash flow to the businesses you invest in. When borrowing becomes more expensive, knowing your exposure can help you assess the pressure on your budget and your longer-term goals.

If you’re waiting for relief from mortgage costs or wondering how another rate rise could affect your financial plans, tune in for a clear look at the questions that matter.

Subscribe, leave a review and share this episode with someone keeping an eye on interest rates.

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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 special guest Steve Jermy, retired Royal Navy Commodore and energy specialist.

War and rising energy prices can affect everything from your weekly shopping bill to the outlook for your investments. But how do decisions made on the battlefield translate into financial pressure for households, businesses and governments?

Drawing on his military and offshore energy experience, Steve joins Andrew to examine the connection between global conflict, energy supplies and economic growth. He shares his perspective on the conflicts involving Russia, Ukraine and Iran, and their potential economic consequences.

The conversation looks at how disrupted oil supplies, sanctions and shipping constraints can push up costs across transport, food production and manufacturing. Steve also explains why he believes the cost of living crisis is closely tied to energy, and why restoring supply chains takes time even after disruptions ease.

For investors, understanding war and rising energy prices means looking beyond daily market headlines. Andrew and Steve discuss the pressures facing European economies, the risks of weaker growth and the importance of recognising how energy supports business activity.

Tune in for a discussion that connects geopolitical decisions with the economic conditions affecting your money.

Subscribe, leave a review and share this episode with someone who wants to better understand the forces shaping the economy.

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  

Steve Substack: https://stevejermy.substack.com  

Principles & Practice of Air Defence (Focused on the US-Iran War): https://stevejermy.substack.com/p/principles-and-practice-of-air-defence

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

What can oil prices tell you about your shares? Why do bond yields matter to your property investments? And what happens when strong company earnings stop exciting investors?

This week, Andrew and Mitch break down the 5 charts every investor should be looking at: oil prices, bond yields, gold, the US dollar, and S&P 500 earnings. They explain how these indicators connect and what they can tell you about inflation, interest rates, investor sentiment, and investment valuations.

Learn how rising oil prices can squeeze company profits and household budgets, why an inverted yield curve attracts attention, and how higher interest rates change the appeal of different assets. Andrew also questions gold’s role as a safe haven and explains why price-to-earnings ratios deserve a closer look before you rely on them.

The conversation brings these relationships back to your portfolio, helping you understand the forces affecting shares, property, and bonds. You’ll hear why a regular weekly check can support clearer investment decisions without following every market headline.

If you want to understand the 5 charts every investor should be looking at, this episode provides a practical starting point for connecting economic signals with your investments.

Tune in, subscribe, and share this episode with an investor who wants to see the bigger picture.

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.

Are Australian banks in trouble? In this episode, Andrew and Mitch examine the growing pressure facing Australian banks as credit growth slows, mortgage applications fall and property prices begin to pull back.

The discussion looks at what a 2% decline in Australian property prices could mean for borrowers, investors and the wider banking system. They break down the risks around negative equity, higher debt servicing costs, loan arrears and potential repossessions, particularly for Australians who have borrowed heavily.

Andrew also discusses why falling loan applications could eventually put pressure on bank earnings and valuations. With property investors becoming more cautious and major players reducing their exposure to real estate, the episode asks what these signals could mean for Australian banks and the broader economy.

If you have a mortgage, own property or invest in Australian banks, this episode offers useful context on the risks worth watching as economic and property conditions change.

Subscribe, leave a review and share this episode 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.

The S&P 500 All-Time Highs are here, and while investors should be celebrating, there's a growing sense of unease running through the market. In this episode, Andrew and Mitch unpack exactly why the S&P 500 All-Time Highs are happening now, breaking down the eye-watering 50% year-on-year earnings growth driving this rally and asking whether it's sustainable or built on shaky foundations.

They dig into the $1.3 trillion capital expenditure commitment from the hyperscalers, comparing Google's smart AI strategy to the Kodak mistake, and explaining why Microsoft soared while Meta stumbled despite both riding the same AI wave. The boys also explore the shift from early cycle to mid cycle investing, where quality earnings are starting to matter more than growth at all costs.

Then it's onto the risks nobody wants to talk about: rising Treasury yields, a new Fed chair shaking up rate expectations, and geopolitical tension in the Middle East pushing oil prices higher.

If you've been wondering why the S&P 500 All-Time Highs feel more nerve-racking than exciting, this episode breaks down the real data behind the headlines so you can make sense of what's actually going on.

Whether you're a seasoned investor or just starting out, this episode delivers the clarity you need.

Hit subscribe, leave a review, and share this episode 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