Why money mastery is really self-mastery — and why it never ends
Ten years ago, one book changed the trajectory of my life.
In this episode — the first of 2026 — I sit down with one of my closest mates, Scott Norman, to unpack the real lessons from a decade-long journey of money, business, discipline, and self-growth.
This isn’t a highlight reel.It’s an honest reflection.
We talk about:
Why money mastery is not about money — but about who you become
The habits and mindset shifts that compound quietly over years
Why business takes longer than you think (and why that’s normal)
The moments I wanted to quit and go back to a “safe” 9–5
Discipline, identity, and why you’re already disciplined — just not where you think
Becoming a father, rebuilding from zero, and redefining success
Why staying in the game long enough is the real competitive advantage
Scott also shares insights from building Generation Youth, a mentoring organisation supporting young people across Australia — reminding us that relationship always comes before results.
This episode is for you if:
You’re starting (or restarting) your money journey
You feel behind, stuck, or questioning your path
You want wealth without burning out your life
You’re playing the long game — even when it’s uncomfortable
Money mastery doesn’t have a finish line.But if you stay committed long enough, it changes everything.
Listen now — and step into 2026 with clarity, intention, and perspective.
If you want to join my weekly newsletter list, subscribe here.
Want to build wealth that actually lasts – without hype, shortcuts, or fear-driven decisions?
In this episode of Money Mastery with Marshy, Daniel Marshall sits down with Arthur Panagis – former accountant turned financial advisor, founder of FMG Wealth Strategists, author of The Art of Building Wealth, and a long-term thinker on Bitcoin and the future of money.
With over 30 years working in finance and business, Arthur breaks down the core principles of real wealth creation, why most people struggle to get ahead despite earning good money, and how values, compounding, and time matter more than picking the “perfect” investment.
Arthur also shares his evolving view on Bitcoin, why he believes it’s moving from speculative to strategic, and how financial advisors are beginning to engage with digital assets as the money system changes.
Arthur explains:
◼️ Why your values determine where your money actually goes
◼️ The wealth rule most business owners ignore (and why it matters)
◼️ Why compounding only works if you’re patient enough
◼️ How financial advisors really add value beyond returns
◼️ Why panic selling destroys long-term wealth
◼️ Bitcoin through a financial advisor’s lens – risk, trust, and time horizon
◼️ What “reinspirement” means instead of traditional retirement
Episode Chapters:
00:00 Intro
02:10 How Arthur’s journey from accounting shaped his wealth philosophy
05:30 Discovering Dr John Demartini & the power of values
09:45 Why wealth building must rank high in your values
13:20 The “pay yourself first” rule (especially for business owners)
18:10 Compounding explained simply — and why most people quit too early
23:40 Lessons from Warren Buffett & long-term investing
28:30 How financial advice has changed over the last decade
34:15 Peace of mind vs chasing returns
38:50 When you should consider working with a financial advisor
43:10 Reinspirement vs retirement
47:30 Why Arthur started studying Bitcoin
52:40 Bitcoin, scarcity & broken money
59:10 Where Bitcoin fits in a modern wealth strategy
1:05:20 Long-term thinking in a short-term world
1:10:40 Final reflections on wealth, purpose & the future of money
Download Arthur’s book — The Art of Building Wealth
If you enjoyed this episode, leave a 5-star review, share it with someone who wants to build wealth the smart way, and tune in next week for another episode of Money Mastery with Marshy.
Meet Paul Rogers – The Tradie Coach, business mentor, and author of Get Off the Tools and Profit in Your Pocket.
In this episode, Paul shares his incredible journey from electrician to global telecoms, running a multi-million-dollar wine business, and ultimately finding his purpose helping tradies and small business owners build profitable businesses that support the life they actually want.
Together, they unpack why so many tradies work harder every year yet feel more stressed, broke, and stuck — and how to fix it.
In this episode, you’ll learn:
Why revenue is noise, but profit is freedom
The biggest financial mistakes tradies make (and why accountants alone won’t fix them)
How to simplify cashflow with Paul’s “Profit in Your Pocket” system
What it really takes to get off the tools without losing control of your business
The role of self-leadership, systems, and accountability in sustainable growth
Why building the right business matters more than building a bigger one
How Paul is now scaling his impact through books, group coaching, and his new King’s Order series
If you’re a tradie or small business owner who’s flat out, under pressure, and wondering where the money actually goes — this episode could be a turning point.
🎧 Listen now and start building a business that works for you, not the other way around.
In this episode of Money Mastery with Marshy, Daniel shares a raw behind-the-scenes look at a recent period of confusion, frustration, and underperformance in his business — and the simple realization that helped him regain clarity, focus, and income momentum.
Rather than needing a brand-new strategy, Daniel discovered the root problem was misaligned activity. He had slipped into being busy instead of effective and allowed his calendar to be shaped by other people’s priorities instead of his own.
Then came a powerful insight that changed everything…
Daniel breaks down the three core activities that now anchor his business:
Create – Content, podcasting, writing, and visibility
Connect – Relationships, coffee catchups, collaboration
Coach – Client delivery, workshops, service
These are the needle-moving tasks for his business — the ones that:
Generate income
Create fulfilment
Compound long-term success
Inspired by Dr John Demartini’s work on values, Daniel explains:
What you do most powerfully reveals what you truly value.
Instead of filling his days with meetings and admin, Daniel redesigned his “default week” around:
Morning deep work (creation)
Mid-morning connection
Each day now contains:
- One creation task
- One connection task
- One coaching/service task
No overwhelm. No overbooking. Just clarity.
You’ll discover:
Why being busy is often a sign of poor focus
How to identify your real income-producing activities
How to redesign your calendar around your energy
The power of a “default week” structure
How to set daily high-value priorities
Why strong boundaries are essential for growth
How clarity leads to confidence and momentum
If you’re feeling overwhelmed or unclear:
Audit your time for a week
Identify your own “big three” activities
Update your calendar to reflect them
Set three daily high-value tasks that align with those priorities
Do this and watch your clarity skyrocket!
Enjoy this episode?
Leave a 5-star review, follow the show, and share this episode with someone who needs clarity right now.
And if you’d like support creating clarity in your finances, business, or life — reach out to Daniel directly.
In this episode #113 of Money Mastery with Marshy, Daniel sits down with Alexis Bauve, founder of boutique buyer’s agency Craft Property in Adelaide.
After 15 years in commercial property and a corporate career managing major shopping centres, Alexis was made redundant just two months after the birth of his fourth child.
Instead of retreating to “safety”, he burned the boats and backed himself – launching his own buyer’s agency with zero clients, no sales background, and a young family to provide for.
Alexis shares how growing up in an “asset-rich, cash-poor” French family shaped his mission to rebuild generational wealth the right way – through smarter money habits, better property decisions, and breaking old patterns around spending and inheritance.
You’ll hear the real numbers behind recent client deals (including a 12–18 month uplift from $574k to ~700k), why commercial property can be a game-changer for cash flow, and the advantages of working with a boutique buyer’s agent over a big-name firm.
If you’re a busy professional or business owner who wants to build wealth without losing your sanity, this one will hit home.
In this short, sharp episode of Money Mastery with Marshy, Daniel dives into the hidden psychology of credit card use—especially for business owners—and why even the most disciplined people can get burned.
Credit cards change your behaviour.
Even Daniel—naturally disciplined and structured with money—saw his spending creep up after using a business credit card for two years.
Despite paying the balance off in full each month, his cash reserves dropped by over $30,000 simply because the card created permission to spend more.
This is Parkinson’s Law in action: the more you have access to, the more you naturally use.
Even when used “responsibly,” credit cards:
Blur the lines between personal + business expenses
Encourage emotional or convenience spending
Make it easy to tap → tap → tap with little friction
Leave a painful lump-sum surprise at month’s end
Daniel’s client experienced the same pattern—great revenue, poor behavioural boundaries around credit.
Instead of ditching the card entirely, Daniel helped his client build strict rules to use it only for true ROI-producing investments:
Ad spend
Business coaching / mentorship
Everything else? Eliminated.
The game changer:
➡️ Allocate the money to the card before spending it
Instead of tapping all month then scrambling to pay it off, you intentionally top it up at the start of the month.
This makes credit usage:
Purpose-driven
Pre-funded
Emotion-free
ROI-focused
And it keeps cashflow healthy while still leveraging the strategic benefits of a card.
Use the credit card as a tool, not a safety net.
Fund it first → spend intentionally → track ROI → avoid the end-of-month panic cycle.
This psychological shift alone can transform how business owners use credit.
Daniel would love to hear how credit cards have influenced your money behaviour—good or bad.
Email: daniel@danielmarshallcoaching.com
Instagram: @danielgmarshall
In this episode of Money Mastery with Marshy, Daniel reveals a brand-new layer of his Financial Fitness Framework – the Six Financial Fitness Archetypes, inspired by the training styles you see in the gym.
Just like physical health, your financial health is shaped by how you earn (training), spend (nutrition), build assets (muscle), and manage liabilities (fat).
And these six archetypes make it easier to understand your own money patterns – and what needs to shift.
Daniel breaks down each archetype both physically and financially:
The Couch Potato — stuck in comfort, low awareness, coasting financially
The Marathon Runner — disciplined, steady, consistent, but risk-averse
The Bodybuilder — structured, goal-driven, disciplined… but sometimes image-focused
The Powerlifter — big assets, big ambition, big leverage
The CrossFitter — functional across the board, diversified, energetic, but at risk of overtraining
The Yogi — aligned, intentional, peaceful… but lacking structure for long-term wealth
You'll discover where you sit right now, where you want to be, and how to train your financial fitness more intentionally.
Daniel also shares details about the Financial Fitness Assessment Session, a 90-minute deep dive into your income, expenses, assets, and liabilities — so you know your current financial health and what to focus on next.
🎧 Tune in to find your archetype – and learn how to build the financial physique you truly want.
In this solo episode, Daniel dives deep into a powerful philosophy inspired by a post from Tim Denning: “Going to the gym is a gateway drug.”
From his early days as a skinny “Mr. Puniverse” to becoming obsessed with training and personal growth, Daniel unpacks how physical discipline in the gym translates into success in business, finances, and life.
He shares how building muscle builds mindset — how consistency, resilience, and pain tolerance in the gym become the foundation for mastering every other area of life.
Discover how the gym can be your first step toward personal development, entrepreneurship, and even spiritual growth.
Whether you’ve fallen off track or need a spark to reignite your drive, this episode will remind you that your physical fitness is the ultimate key to unlocking greatness.
👉 Connect with Daniel on Instagram @danielgmarshall and share how the gym has shaped your mindset and your success journey.
Former fintech exec turned coach and author Shakti Katyal joins me to flip hustle culture on its head.
We unpack his book Million Dollar Nap and the counterintuitive idea that rest → healing → learning → earning.
Shakti shares how burnout forced him to slow down, why “presenteeism” is costly, and how prioritizing naps and stillness actually multiplied his clarity, creativity, and bottom line.
We talk about practical rest rituals (hello, 20–25 min naps, eye mask + over-ear headphones), giving yourself permission to pause, and building a life where work is focused, with meaningful bursts instead of endless busyness.
Shakti also walks through his money journey: shifting from passive to active investing, assembling an A-team (brokers, buyers’ agents, coaches), moving to Dubai, and the mindset that lets opportunities compound.
Let this episode be your permission slip to schedule in some rest this week.
Connect with Shakti – https://realnroyal.com/
Connect with Daniel – https://danielmarshall.com.au/
“Lucky” people aren’t magical.
They just do things that compound.
~ Justin Welsh
In this episode, Daniel explores four simple habits to help you become “lucky”.
Build More – Shift from being a consumer to a creator. Whether it’s building a podcast, a business, or a new idea, creating adds value to the world and expands your “luck surface.”
Write More – Writing sharpens your thinking and communication skills. Daniel shares why mastering written expression leads to clarity, influence, and new opportunities.
Meet More People – Expanding your network opens doors you never knew existed. Daniel reflects on his own journey from introvert to connector through Toastmasters and networking events.
Introduce More People – Become a bridge for others. Connecting people who can help one another not only builds goodwill but multiplies your impact and influence.
Check out Daniel’s updated website danielmarshall.com.au.
Network marketing – one of the most powerful yet misunderstood and criticised business models out there.
In this episode, Daniel pulls back the curtain on his personal experience inside the industry, which began in March 2021.
You’ll learn:
The real difference between network marketing and pyramid schemes
How it compares to traditional business and mortgage brokering
Why most people fail (and what separates those who win)
The role of mindset, leadership, and patience in creating residual income
How to align business models with your values and design type
Whether you’re in the industry, curious about it, or sceptical of it – this honest and insightful breakdown will give you a fresh perspective on one of the most unique business models in the world.
Tune in for raw lessons on growth, leverage, and "keeping the main thing the main thing".
Connect with Marshy on Instagram @danielgmarshall
“What’s the difference between MyBudget and financial coaching?”
In this episode, Daniel breaks down the key distinctions between outsourcing your finances and learning to master them yourself. Drawing from six years of coaching experience, he explores:
Whether you’re a business owner wanting to gain control of your cash flow or simply curious about the coaching approach, this episode will give you clarity on which path best fits your goals.
Connect with Daniel Marshall:
Instagram - @danielgmarshall
LinkedIn - Daniel Marshall
Website - danielmarshall.com.au
Six years of pricing experiments—from $120/hr sessions to $10k annual programs, $1k/month retainers, low-ticket products, memberships, weekly pricing, and finally a streamlined two-step offer.
If you sell services and wonder “what should I charge?” Then this episode will give you valuable insights.
WHAT YOU’LL LEARN
Price vs value: people buy transformation, not sessions (aim for ~10x perceived value).
Why an offer ladder matters (low-risk entry → natural ascension).
The truth about MRR for 1:1 coaches (powerful but fragile).
How community and proximity can justify premium pricing.
Structuring for commitment: upfront buy-in without monthly friction.
Iterate the structure, keep levelling up the core value.
DANIEL’S PRICING JOURNEY (HIGHLIGHTS)
2019: $120 per session → first 3-month outcome-based program at $2,000.
One-off Strategy Session at $500 to lower the barrier and qualify fit.
12-Month Program at $10,000: deep results require deep commitment.
Retainers at $1,000/month: good cashflow, tough retention without community.
Hybrid: $5,000 upfront + $500/month: stronger commitment, lighter cashflow strain.
Low-ticket hit: “Fix Your Finance Challenge” ($21 → $47) that scaled trust and fed high-ticket.
Membership ($95 USD/month on Skool): engagement + platform habits were the bottleneck.
2025 pivot: weekly $100 → $165 “Net Worth Accelerators,” then smart one-time 12-month upgrade.
WHERE IT LANDED (TODAY)
Step 1: Financial Fitness Assessment — $195 one-off (high clarity, low risk).
Step 2: Get Financially Fit — 12-Month Program — $5,070 one-time.
Cadence: weekly (Month 1) → fortnightly (Months 2–3) → monthly (Months 4–12). Why it works: intensity upfront, accountability long-term, zero billing friction.
REAL-WORLD RESULTS
Clients who commit 12+ months have increased net worth by ~$80k on average, plus the intangibles Daniel loves: couples aligned, confident, and moving together.
CALL TO ACTIONS
Share this episode with a coach or service provider who’s pricing their offers.
Leave a 5★ review to help the show grow.
Join the weekly newsletter for money + business insights (danielmarshall.com.au).
Ready for Step 1?
Book the $195 Financial Fitness Assessment.
“You can tell how good someone is at anything by the quality and quantity of the data they track.” – Alex Hormozi
In this episode, Daniel Marshall dives into why tracking is the foundation of growth across finances, business, health, and any area of your life that’s important to you.
He opens up about his own routines - weekly business metrics, gym progress, and even his 2,268-day cold shower streak. And explains how measuring multiple data points creates more ways to win.
Key Takeaways:
Your Challenge:
1) Write down the things you’re currently tracking (you’re likely already doing well in these).
2) Identify one area you want to improve - then decide on a habit, input, or metric you can start tracking today.
Work with Marshy:
Want help to turn your financial chaos into structure and order?
Check out the information for my 60-minute Financial Fitness Assessment.
Yesterday was Father’s Day, and I had two very special guests join me on the podcast — my incredible wife Kaci, making her long-awaited debut, and our new baby Florence (who slept peacefully for round two of recording).
We unpacked an experiment we ran in August: moving all our grocery shopping online.
In this laid-back Sunday morning chat we also cover:
- Kaci’s career as a social worker
- Our IVF journey and becoming parents
- Life with two kids vs one
- How our Human Design balances each other
- Simple systems to save time, money, and mental capacity with food shopping
- Outsourcing low-value tasks to focus on what matters most
A warm, honest episode about family, values, and designing life with intention.---
AI might be taking over the headlines, but in today’s world it’s not your technical skills that set you apart — it’s your people skills.
In this episode, I sat down with Hasan T. Anjum, founder of A&H Digital Solutions.
Over the past 20 years Hasan has built over 200 digital products & software solutions for businesses, universities & government agencies.
A self-proclaimed tech geek turned master communicator, Hasan shares how Toastmasters transformed his career, why engineers who can’t communicate get left behind, and how he scaled from a $12K net income to $300K in just five years by mastering project management and people skills.
We dive into:
The pivotal elevator moment that forced Hasan to master communication
Why public speaking and emotional intelligence matter more than ever in the AI era
How people skills open doors that technical ability alone can’t
The lessons Hasan is now passing on to his kids about connection, presence, and leadership
Whether you’re an engineer, entrepreneur, or business leader, this episode will challenge how you think about success — and why the future belongs to those who can connect, not just code.
👉 Follow the show and leave a 5-star review if you’re enjoying these conversations.
100 Not Out!
In this milestone episode of 'Money Mastery with Marshy', I am joined by one of my best mates of 20 years - Pendwe Msapenda from PennBuilt.
This time it was my turn to hop out the drivers seat and let Pendwe take the wheel.
In our conversation, Pendwe guided us through themes like:
- Friendships & Legacy
- From reluctant engineer to reluctant entrepreneur
- Why Money Mastery is the journey of Self Mastery
- The Power of Compound Interest & Consistency
- My evolution from party boy/footy lad/engineer to financial coach and business owner
- The important of faith and trust during cashflow challenges
Plus so much more!
Thank you Pendwe for being such a great friend and for sharing this special milestone with me.
And thank YOU for tuning into the show - we wouldn't have got here without YOUR support.
I appreciate you.
Marshy
99 not out..
Can you believe it?
This week, I'm bringing you something different for the podcast.
I recently sat down with Arthur Panagis from FMG Wealth Strategists - a Financial Advice Firm based in Adelaide.
AP is a legend of a bloke, and I had the pleasure of being interviewed by him.
What I love about this is we don't see each other as competition... we see each other as collaborative partners.
Financial Coaching & Financial Advice serve different purposes - and they can both work well together.
If you want to find out more about the differences between a Financial Coach & a Financial Advisor - them check out Episode #55 .
In today's episode, I unpacked three questions from one of our listeners - Skai (who is a Photographer, Graphic Designer & Brand Identity Consultant).
She asked me:
1) How has my entrepreneurial mindset changed from when I started?
2) What would I do differently?
3) What’s my best advice to the next person starting their solo-preneur journey?
If you want to hear more about my journey from mechanical engineer to financial coach - then check out Episode #1 of the show.