The JC Perspective

The JC Perspective is where I share the ideas, lessons and insights I’ve gathered through more than 20 years of conversations, experience and working with people, families and businesses. I share these perspectives to challenge your thinking, offer a different point of view and help you make better, more aligned decisions across wealth, business and life.

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My Dad Brainwashed Me

Growing up, one of my favourite things to do was go with Dad to train his racing pigeons.
Every week or two we’d jump in the car, hook up the trailer full of pigeons and drive for about an hour before releasing them. I loved those days, but what stayed with me most weren’t the pigeons.
It was the conversations.

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A Book That Made Me Question How I Think

Sometimes, you pick up a book and it changes the way you think.

Recently, my mentor recommended that I read The Four Agreements by Don Miguel Ruiz. He told me it was a book that had changed the way he thought and lived, and after reading it myself, I can understand why.

The book is built around four simple agreements. Principles that, while straightforward, can have a profound impact on the way we think, communicate and approach life

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The biggest financial decisions aren't about money.

About a year ago, my wife, Burcu and I made a big decision.

We moved a couple of suburbs away. It wasn’t a huge move geographically, but it was a big move for our family.

Going through this process has made me reflect on something I see with clients all the time.

The biggest financial decisions we make are rarely just about money.

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The decision that surprised me.

The Federal Budget has created some important conversations.

Recently, I was at my son’s soccer training when a conversation caught my attention.

A few parents were discussing the Federal Budget changes and what they may mean for investors.

During the conversation, one parent said:
“I’ve already restructured.”

I have to admit, I was surprised.

Not because being proactive is a bad thing. In fact, being proactive is one of the qualities I see in many successful families.

What made me pause was how quickly the decision had moved from consideration to action.

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My nephew asked me how to become wealthy.

The idea of making money quickly is attractive, especially when you see people online sharing the highlights without showing the risks, the failures, or the years of work behind the scenes.
So I gave him a different perspective.
Building wealth isn't about finding the fastest way to make money.
It's about learning how to create wealth, grow it, and protect it over a lifetime.
The biggest mistake I see people make is chasing the shortcut.
They want the outcome before they've built the foundation.

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Kids and money - it’s never too early to start

This article outlines the various ways parents can influence how their children view money and teach them good financial habits early in life. It takes a step-by-step approach starting with saving from a young age through to managing debt.

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You can break the pay-to-pay cycle

An alarming number of Australians are living paycheque-to-paycheque. This article explains how poor money management leads to cashflow issues and provides advice on how to break the pay-to-pay cycle and get your finances under control.

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What is your debt-to-income ratio & why does it matter?

This article explains the importance of your debt-to-income (DTI) ratio to your bank when assessing your loan application. With the use of a case study, we delve into your debt-to-credit ratio, your loan valuation ratio and Lenders Mortgage Insurance (LMI). An excellent article for first time home loan applicants.

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What do I need to know before investing in property?

Property can be an exciting element to add to your investment portfolio. But aside from the initial purchase, what other ongoing expenses may you find yourself paying? And which of these expenses can you claim as a tax deduction?

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5 tips to improve your financial wellbeing

When was the last time you considered the effect your financial wellbeing has on your overall health? This article touches on the stressors that managing our finances places on our health and provides five easy to implement strategies to improve our finances and our overall wellbeing.

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The effect of rising inflation

This article discusses the effect of rising inflation and its impact on the Australian economy. It includes a list of ways to prepare yourself for a rise in inflation.

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The Risk of Losing your Home

With housing prices souring, and mortgages getting larger, have you considered what may happen when interest rates inevitably increase? The unfortunate reality is that many families will face financial distress, rather quickly. This article discusses how just a small increase to interest rates can cause budgets to crumble and what you can do to prepare yourself financially.

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Are you sacrificing your retirement for your adult children?

With the cost of living on the rise, it’s natural to want to give your children a helping hand financially. This article discusses important points to consider before gifting money to a family, including implications on your future retirement savings and tax obligations. A case study is included to illustrate the importance of having the right protections in place.

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Is your inner entrepreneur calling?

With a shift towards working from home and a boom in new small businesses starting up, this article discusses valuable points that new entrepreneurs need to consider before rushing into their new venture. We cover everything from business plans and funding support, to registering your business and acquiring insurance.

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What does it take to become a millionaire?

This article encourages young adults to utilise the magic of compounding to build their savings and “become a millionaire”. It discusses how little money sacrifices each month can build into great wealth when invested well and advises the reader to seek financial planning help now to start their wealth building journey.

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8 tips to save money on your bills

It's not necessary to make significant changes in your spending habits to achieve your financial goals. Sometimes, it’s simply understanding where you spend money or finding better deals on your current expenses to save money. This article provides 8 tips to save money on your bills so that you can put the savings to better use.

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