<![CDATA[The Wisdom & Wealth Podcast with TK]]>a452be48-70ae-531e-b1dd-2ceebd6d5152Tue, 01 Sep 2026 04:46:13 +0000Captivate.fmTracy Keareyhttps://artwork.captivate.fm/2127362f-6c17-4cd9-8a6e-cd164b46606c/The-Wisdom-Wealth-Podcast-with-TK.jpgThe Wisdom & Wealth Podcast with TKTracy KeareyTracy KeareyWelcome to The Wisdom & Wealth Podcast with TK, where smart money begins with smart conversations. Hosted by award-winning finance and mortgage broker Tracy Kearey, this podcast goes beyond the numbers to explore the decisions, experiences and conversations that shape financial wellbeing, business success and a life of lasting wealth. With more than 26 years of experience in finance and lending, Tracy brings practical knowledge, straight-talking insights and a genuine passion for helping people make more informed financial decisions. Each episode explores topics across money, mortgages, property, business, leadership and personal growth, with practical insights and conversations with people who have valuable lessons and experiences to share. Whether you're buying a home, building wealth, growing a business, navigating change or simply looking to make smarter decisions for your future, The Wisdom & Wealth Podcast is designed to leave you with ideas you can actually use. Because wealth isn't just about what you earn or own. It's also about the knowledge you gain, the choices you make and the life you create. Smart Money Begins with Smart Conversations. Mobile: 0417 738 469 Email: tkearey@mabbroker.com.au https://the-wisdom-and-wealth.captivate.fmfalseepisodicnopodcastRewiring Your Money Mindset for Financial Freedom with Zoe SlaterRewiring Your Money Mindset for Financial Freedom with Zoe SlaterMoney conversations are rarely just about the numbers. The way we earn, spend, save and invest is often shaped by beliefs we’ve carried for years–sometimes without even realising they’re influencing our decisions. I’m joined by performance counsellor and coach Zoe Slater, who helps people explore the deeper psychology behind their choices, confidence and relationship with money. We unpack how childhood experiences, family dynamics and our sense of self-worth can quietly shape everything from buying property to building wealth and backing ourselves financially.

For mortgage and finance brokers, understanding this emotional layer of money matters. A client may have the borrowing capacity, the strategy and a clear pathway forward, yet still hesitate when it comes time to make a decision. That hesitation isn’t always about the deal–it can come from fear, past experiences, limiting beliefs or simply not feeling financially confident. Zoe shares why financial literacy and financial confidence are two very different things, and why creating space for honest conversations can help people move from avoidance and overwhelm towards clearer, more intentional decisions.

What really stands out is the importance of taking responsibility for the financial story we want to create from here. We explore the value of surrounding yourself with trusted advisers, building deliberate rituals around money, recognising when other people’s fears are influencing your choices, and learning to back yourself without ignoring sound advice. Whether you’re guiding clients through major financial decisions or reflecting on your own relationship with money, it’s a thoughtful reminder that sustainable wealth isn’t only about what sits in the bank–it’s also about confidence, self-awareness and having the courage to make choices that support the future you actually want.

“People who respect themselves respect their money.”

-Zoe Slater

We cover:

  • Exploration of money psychology and its emotional aspects.
  • Impact of childhood experiences on financial behaviors and beliefs.
  • Differences between money coaching and traditional financial advising.
  • The role of self-confidence in financial decision-making.
  • Influence of early messages about money on adult spending habits.
  • Challenges couples face when coming from different financial backgrounds.
  • Importance of open communication about finances in relationships.
  • Strategies for overcoming financial overwhelm and building self-trust.
  • Distinction between financial literacy and financial confidence.
  • Gender differences in attitudes towards money and financial empowerment.

Connect with Zoe Slater:

https://freedomchoiceacademy.com/home

https://www.instagram.com/freedomchoiceacademy

https://www.facebook.com/freedomchoiceacademy

Connect With Tracy:

https://www.instagram.com/tracykearey

https://www.mortgageadvicebureau.com.au/

https://www.linkedin.com/in/tracy-kearey/

https://www.facebook.com/TracyKeareyMAB/

]]>Money conversations are rarely just about the numbers. The way we earn, spend, save and invest is often shaped by beliefs we’ve carried for years–sometimes without even realising they’re influencing our decisions. I’m joined by performance counsellor and coach Zoe Slater, who helps people explore the deeper psychology behind their choices, confidence and relationship with money. We unpack how childhood experiences, family dynamics and our sense of self-worth can quietly shape everything from buying property to building wealth and backing ourselves financially.

For mortgage and finance brokers, understanding this emotional layer of money matters. A client may have the borrowing capacity, the strategy and a clear pathway forward, yet still hesitate when it comes time to make a decision. That hesitation isn’t always about the deal–it can come from fear, past experiences, limiting beliefs or simply not feeling financially confident. Zoe shares why financial literacy and financial confidence are two very different things, and why creating space for honest conversations can help people move from avoidance and overwhelm towards clearer, more intentional decisions.

What really stands out is the importance of taking responsibility for the financial story we want to create from here. We explore the value of surrounding yourself with trusted advisers, building deliberate rituals around money, recognising when other people’s fears are influencing your choices, and learning to back yourself without ignoring sound advice. Whether you’re guiding clients through major financial decisions or reflecting on your own relationship with money, it’s a thoughtful reminder that sustainable wealth isn’t only about what sits in the bank–it’s also about confidence, self-awareness and having the courage to make choices that support the future you actually want.

“People who respect themselves respect their money.”

-Zoe Slater

We cover:

  • Exploration of money psychology and its emotional aspects.
  • Impact of childhood experiences on financial behaviors and beliefs.
  • Differences between money coaching and traditional financial advising.
  • The role of self-confidence in financial decision-making.
  • Influence of early messages about money on adult spending habits.
  • Challenges couples face when coming from different financial backgrounds.
  • Importance of open communication about finances in relationships.
  • Strategies for overcoming financial overwhelm and building self-trust.
  • Distinction between financial literacy and financial confidence.
  • Gender differences in attitudes towards money and financial empowerment.

Connect with Zoe Slater:

https://freedomchoiceacademy.com/home

https://www.instagram.com/freedomchoiceacademy

https://www.facebook.com/freedomchoiceacademy

Connect With Tracy:

https://www.instagram.com/tracykearey

https://www.mortgageadvicebureau.com.au/

https://www.linkedin.com/in/tracy-kearey/

https://www.facebook.com/TracyKeareyMAB/

]]>b172b75f-527b-4f6d-b36e-47c821f9fe55Tue, 01 Sep 2026 08:00:00 +080048:43falsefull33Building Wealth, Protecting It, and Surviving Life's Curveballs with Maria SnegovayaBuilding Wealth, Protecting It, and Surviving Life's Curveballs with Maria SnegovayaBuilding wealth is one thing, but protecting your ability to keep building it is where a thoughtful financial strategy really earns its place. I’m joined by Maria Snegovaya, an experienced financial planner who helps people build long-term wealth while protecting themselves and their families along the way. We unpack why financial planning is about far more than investments, and why getting advice earlier–particularly around major decisions like buying property, changing careers, starting a family or growing a business–can help create a much stronger foundation for the future.

For those of us working in property management, mortgage and finance broking, this conversation is an important reminder that property is only one piece of a much bigger financial picture. Maria shares practical insights around superannuation, personal insurance, income protection, cash flow and diversified wealth strategies, including why your ability to earn an income may actually be one of your most valuable assets. We also explore the value of having your broker, accountant and financial adviser working together, so financial decisions aren’t being made in isolation but as part of a clear, cohesive strategy.

What really stands out is the importance of knowing what you’re working towards before getting distracted by the latest investment trend, headline or shiny opportunity. Wealth creation isn’t about copying somebody else’s strategy; it’s about making considered decisions that support your goals, reviewing those decisions as life changes, and giving time and consistency the opportunity to do their job. Whether you’re building a portfolio, helping clients make significant financial decisions or thinking more seriously about your own future, there’s plenty here to encourage a more strategic approach to creating not just wealth, but genuine financial choice.

“A lot of Australians don't realise that their biggest asset isn't actually their home or portfolio, it's actually their ability to earn an income to then pay for that home.”

  • Maria Snegovaya

We cover:

  • Importance of financial planning beyond just investing
  • Income protection insurance and its significance
  • Life insurance and total and permanent disablement (TPD) cover
  • Superannuation strategies and consolidation of funds
  • Common misconceptions about financial planners
  • Timing for seeking financial advice during major life events
  • Benefits of a diversified investment strategy
  • Importance of regular financial plan reviews
  • Role of a coordinated team in financial planning (e.g., mortgage broker, accountant)
  • Strategies for transitioning into retirement and accessing superannuation

Connect with Maria Snegovaya:

https://www.linkedin.com/in/maria-snegovaya-b8a583163/

https://www.instagram.com/smartmoney.maria/

Connect With Tracy:

https://www.instagram.com/tracykearey

https://www.mortgageadvicebureau.com.au/

https://www.linkedin.com/in/tracy-kearey/

https://www.facebook.com/TracyKeareyMAB/

]]>Building wealth is one thing, but protecting your ability to keep building it is where a thoughtful financial strategy really earns its place. I’m joined by Maria Snegovaya, an experienced financial planner who helps people build long-term wealth while protecting themselves and their families along the way. We unpack why financial planning is about far more than investments, and why getting advice earlier–particularly around major decisions like buying property, changing careers, starting a family or growing a business–can help create a much stronger foundation for the future.

For those of us working in property management, mortgage and finance broking, this conversation is an important reminder that property is only one piece of a much bigger financial picture. Maria shares practical insights around superannuation, personal insurance, income protection, cash flow and diversified wealth strategies, including why your ability to earn an income may actually be one of your most valuable assets. We also explore the value of having your broker, accountant and financial adviser working together, so financial decisions aren’t being made in isolation but as part of a clear, cohesive strategy.

What really stands out is the importance of knowing what you’re working towards before getting distracted by the latest investment trend, headline or shiny opportunity. Wealth creation isn’t about copying somebody else’s strategy; it’s about making considered decisions that support your goals, reviewing those decisions as life changes, and giving time and consistency the opportunity to do their job. Whether you’re building a portfolio, helping clients make significant financial decisions or thinking more seriously about your own future, there’s plenty here to encourage a more strategic approach to creating not just wealth, but genuine financial choice.

“A lot of Australians don't realise that their biggest asset isn't actually their home or portfolio, it's actually their ability to earn an income to then pay for that home.”

  • Maria Snegovaya

We cover:

  • Importance of financial planning beyond just investing
  • Income protection insurance and its significance
  • Life insurance and total and permanent disablement (TPD) cover
  • Superannuation strategies and consolidation of funds
  • Common misconceptions about financial planners
  • Timing for seeking financial advice during major life events
  • Benefits of a diversified investment strategy
  • Importance of regular financial plan reviews
  • Role of a coordinated team in financial planning (e.g., mortgage broker, accountant)
  • Strategies for transitioning into retirement and accessing superannuation

Connect with Maria Snegovaya:

https://www.linkedin.com/in/maria-snegovaya-b8a583163/

https://www.instagram.com/smartmoney.maria/

Connect With Tracy:

https://www.instagram.com/tracykearey

https://www.mortgageadvicebureau.com.au/

https://www.linkedin.com/in/tracy-kearey/

https://www.facebook.com/TracyKeareyMAB/

]]>8ced90db-8747-42d5-a225-592895e85dccTue, 01 Sep 2026 08:00:00 +080035:08falsefull22What Nobody Tells You About Buying Property with Chris AndaryWhat Nobody Tells You About Buying Property with Chris AndaryBuying property is exciting, but the decisions made before a contract is signed can have lasting financial consequences. I'm joined by Chris Andary from McBride Legal, an experienced property and commercial lawyer who helps buyers and sellers navigate property transactions with greater clarity and confidence. Their conversation explores why having the right legal advice early matters, particularly when it comes to contract conditions, finance, building and pest inspections, due diligence and understanding exactly what you’re committing to before going unconditional.

For property professionals, there’s an important reminder here about the value of a connected advisory team. Chris explains how lawyers, conveyancers, mortgage brokers and agents each play a different role, but the strongest outcomes often come when those professionals communicate early and work together around the client. From first-home buyers who need more guidance through the process to investors navigating corporate records, ownership structures and contract negotiations, clear communication can reduce unnecessary pressure, uncover risks and help clients make decisions based on facts rather than emotion.

The broader lesson is simple: confidence comes from preparation and knowledge. Chris shares practical insights into contract negotiations, deposits, settlement challenges, family guarantees, seller disclosure obligations and the importance of keeping the right conditions available when circumstances change. For property management and real estate professionals, it’s a valuable perspective on what happens around the transaction–and why encouraging clients to build their professional team before they need it can make one of life’s biggest financial decisions far easier to navigate.

“People, when they’re in that emotional state, can make decisions based on emotion.”

– Chris Andary

We cover:

  • Legal and financial aspects of property transactions in Australia
  • Importance of contract review before signing
  • Conditions in contracts (finance approval, inspections) and their significance
  • Differences between using a lawyer and a conveyancer
  • Risks associated with unconditional contracts
  • Considerations for buying apartments and understanding body corporates
  • Guidance for first home buyers and investors
  • Negotiation strategies for contract terms
  • Common mistakes in property contracts and their implications
  • Importance of assembling a coordinated property buying team

Connect with Chris Andary:

https://www.mcbridelegal.com.au/our-team#chris-andary

https://www.linkedin.com/in/christopher-a-65945791/

Connect With Tracy:

https://www.instagram.com/tracykearey

https://www.mortgageadvicebureau.com.au/brokers/brisbane/meet-the-team/tracy-kearey/

https://www.linkedin.com/in/tracy-kearey/

https://www.facebook.com/TracyKeareyMAB/

]]>Buying property is exciting, but the decisions made before a contract is signed can have lasting financial consequences. I'm joined by Chris Andary from McBride Legal, an experienced property and commercial lawyer who helps buyers and sellers navigate property transactions with greater clarity and confidence. Their conversation explores why having the right legal advice early matters, particularly when it comes to contract conditions, finance, building and pest inspections, due diligence and understanding exactly what you’re committing to before going unconditional.

For property professionals, there’s an important reminder here about the value of a connected advisory team. Chris explains how lawyers, conveyancers, mortgage brokers and agents each play a different role, but the strongest outcomes often come when those professionals communicate early and work together around the client. From first-home buyers who need more guidance through the process to investors navigating corporate records, ownership structures and contract negotiations, clear communication can reduce unnecessary pressure, uncover risks and help clients make decisions based on facts rather than emotion.

The broader lesson is simple: confidence comes from preparation and knowledge. Chris shares practical insights into contract negotiations, deposits, settlement challenges, family guarantees, seller disclosure obligations and the importance of keeping the right conditions available when circumstances change. For property management and real estate professionals, it’s a valuable perspective on what happens around the transaction–and why encouraging clients to build their professional team before they need it can make one of life’s biggest financial decisions far easier to navigate.

“People, when they’re in that emotional state, can make decisions based on emotion.”

– Chris Andary

We cover:

  • Legal and financial aspects of property transactions in Australia
  • Importance of contract review before signing
  • Conditions in contracts (finance approval, inspections) and their significance
  • Differences between using a lawyer and a conveyancer
  • Risks associated with unconditional contracts
  • Considerations for buying apartments and understanding body corporates
  • Guidance for first home buyers and investors
  • Negotiation strategies for contract terms
  • Common mistakes in property contracts and their implications
  • Importance of assembling a coordinated property buying team

Connect with Chris Andary:

https://www.mcbridelegal.com.au/our-team#chris-andary

https://www.linkedin.com/in/christopher-a-65945791/

Connect With Tracy:

https://www.instagram.com/tracykearey

https://www.mortgageadvicebureau.com.au/brokers/brisbane/meet-the-team/tracy-kearey/

https://www.linkedin.com/in/tracy-kearey/

https://www.facebook.com/TracyKeareyMAB/

]]>2ab3b145-4719-4aa7-8259-7fc35f6e0d1dTue, 25 Aug 2026 11:25:00 +080042:33falsefull11