Manage episode 493033243 series 3527141
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 4 July 2025. The topic for this week is: Start changing your habits in the new financial year to help you achieve your medium and long term goals. Change can be hard at any point, but the new financial year provides you with an opportunity to review where you are at, as it coincides with pulling together the information you need to complete your personal tax return. In this episode Luke provides some practical ideas and actions to help you get started. This week Luke is again joined by Richard Perno. Long time listeners will remember Richard from his earlier 2CC days. Leon is still on leave.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
- Where do you start?
- Do you have clarity on where you money is going and what your actual expenses are?
- Is there waste in your current spending? For example, do you really need 6 streaming services?
- Is there stuff in the garage or around the house that could be sold? There’s value in second hand like never before!
- Assess what fears are stopping you from making a start – challenge them and step forward anyway.
- Can you use automation and technology to start saving and investing?
- Why long term behaviours provide you with the benefits of compounding.
- If you have no self control, consider using salary sacrificing to save for the longer term.
- Start small with your new goals. Remember you’ve got to walk before you can run.
- What happens if I have a partner who is raising kids?
- Luke challenges listeners to get started, even if you start with something small.
- In summary, Luke shares his top tips to help you get started.
Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’
Do you need help setting goals and financial planning strategies to help you move forward with more confidence?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
11 episodes