Here Comes The Money

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SmartMoney Wealth Management

9 episodes

1 week ago

In Episode 9 of Here Comes The Money, Peter and Hovig tackle the question almost every Australian eventually hits: “I want to invest in property… but where do I start?” This episode breaks down the things you must understand before jumping into the market — not hype, not ‘hotspot’ traps, not advice from your neighbour who bought a duplex in 2009 and “reckons it’ll boom again.” Just the real fundamentals that matter. We unpack: 📍 Why affordability and cash flow clarity come before suburb hunti...

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Episodes (9/9)

Here Comes The Money

#9 - I Want To Invest In Property… But Where Do I Start?

1 week ago

28 minutes

Here Comes The Money

#8 - You’re Refinancing Wrong (And It’s Costing You)

In this episode of Here Comes the Money, Peter and Hovig answer one of the most common (and misunderstood) mortgage questions in Australia: If you refinance your home loan, do you really go backwards and reset your mortgage to 30 years? Many homeowners avoid refinancing because they’re worried it will undo years of progress — but the reality is far more nuanced. Using real client examples, this episode breaks down: What actually happens when you refinance a mortgageWhy a 30-year loan term is ...

3 weeks ago

10 minutes

Here Comes The Money

#7 - Good Debt vs Bad Debt: The Strategy That Can Save You Thousands

Why do smart investors always pay principal & interest on their home loan… but interest only on their investment properties? In this episode, we break down the real difference between good debt and bad debt, how banks quietly penalise loyal customers through the lazy tax, and why your investment loan’s actual interest cost is far lower than the number you see on paper. We also share a real client example: A $1M home, a $500k mortgage, and how using good debt to invest — instead of just re...

1 month ago

9 minutes

Here Comes The Money

#6 - The Magic Number That Really Predicts Your Wealth

In Episode #6, Peter and Hovig break down one of most important numbers that truly defines your financial position: your net financial assets. They explain why your home, cars and lifestyle items don’t count toward the wealth that will actually fund your future, how to calculate the number that matters, and why so many Australians think they’re further ahead than they really are. If you want real clarity on where you stand—not just how things look on paper—this episode is essential list...

1 month ago

9 minutes

Here Comes The Money

#5 - Invisible Money: The Wealth Hidden in Your Super, Equity & Tax

In this episode, Hovig and Peter break down one of the biggest misconceptions everyday Australians have about money: “I need more before I can start.” …when the truth is, most people already have the ingredients — they just don’t know where to look. From super, to equity, to tax dollars you’re already paying, this episode uncovers the “invisible money” sitting right under your nose — and how everyday mums and dads can use it to build wealth sooner, instead of waiting years to “save enough”....

1 month ago

16 minutes

Here Comes The Money

#4 - $2 Million Retirement Reality Check: Why Doing Nothing Is Riskier Than You Think

💰 Episode #4 — The $2 Million Retirement Reality Check: Why Doing Nothing Is Riskier Than You Think Most Australians underestimate how much they’ll actually need to retire comfortably — and the reality might shock you. In this episode, Hovig and Peter break down the real math behind the so-called “$2 million retirement number,” the dangers of lifestyle creep, and why letting your money sit idle could be the riskiest decision of all. From inflation to income planning, they reveal practical ste...

2 months ago

15 minutes

Here Comes The Money

#3 – The Mortgage Trap: Why Your $650K Loan Really Costs $1.3 Million

Most Aussies think their mortgage is simple — you borrow, you pay it back. But what if your $650,000 home loan actually costs you $1.3 million over time? In this episode of Here Comes the Money, Peter Kaleski and Hovig Evanian expose the real cost of a mortgage — and how the banks quietly make you pay double without you even realising. They unpack: 💰 Why rate drops don’t actually save you much 🏦 How the banks keep you trapped for 30 years ⚖️ The smarter way to use your equity and tax dollars ...

2 months ago

19 minutes

Here Comes The Money

#2 - Why Working Harder Is Actually Making You Poorer 💸

This episode of Here Comes the Money with Peter & Hovig tears apart the myths that keep everyday Aussies trapped in the financial system. From the illusion of “working harder” leading to freedom, to the hidden truth that your biggest debt might actually be retirement, Peter and Hovig expose the lies, traps, and systemic flaws that keep people poor. With bold insights into mortgages, government policy, and the psychology of money, they reveal how the game is rigged—and more importantly, ho...

2 months ago

12 minutes

Here Comes The Money

#1 - What No One’s Telling You About Money, Property & Wealth in Australia

You’ve heard the headlines — but here’s what’s really happening. In the first episode of Here Comes The Money, SmartMoney Directors Peter Kaleski and Hovig Evanian unpack the truth about finance, property, and wealth that most Aussies never hear. Straight talk. No fluff. All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation ad...

4 months ago

27 minutes