<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Smart Happy Money]]></title><description><![CDATA[Educating and advising people today to improve their tomorrow.]]></description><link>https://www.smarthappymoney.com/blog-1</link><generator>RSS for Node</generator><lastBuildDate>Fri, 21 Aug 2026 08:31:37 GMT</lastBuildDate><atom:link href="https://www.smarthappymoney.com.au/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Giving Your Kids a Head Start in Life]]></title><description><![CDATA[Giving your kids a head start with super could be one of the most valuable financial lessons you ever give them. Small contributions, the right investment option and government incentives can have decades to compound. In this blog, Ben explains how a simple $20 a week strategy from a young age could make a significant difference to their super balance later in life.]]></description><link>https://www.smarthappymoney.com.au/post/giving-your-kids-a-head-start-in-life</link><guid isPermaLink="false">6a7d1e2f1ac68eb0d7e5798c</guid><category><![CDATA[Superannuation]]></category><category><![CDATA[Wealth Creation]]></category><pubDate>Thu, 13 Aug 2026 01:36:51 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e516a9_fb5b8d0339c44949aa951b52ac331766~mv2.png/v1/fit/w_1000,h_585,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[Looking Back on the 2025/26 Financial Year: Resilience in a Noisy World]]></title><description><![CDATA[Discover the key events of the 2025/26 financial year, including investment markets, the Australian property market, inflation, interest rates and strategies for long-term financial success.]]></description><link>https://www.smarthappymoney.com.au/post/looking-back-on-the-2025-26-financial-year-resilience-in-a-noisy-world</link><guid isPermaLink="false">6a4e6d2ada4074f9d0b40be1</guid><category><![CDATA[Cash Flow]]></category><category><![CDATA[Personal Finance]]></category><category><![CDATA[Wealth Creation]]></category><category><![CDATA[Property]]></category><pubDate>Wed, 08 Jul 2026 15:40:25 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e516a9_51d48e72569a4777a4fa539a3428aaea~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[The Advice Gap Is a Class Problem. And I’m Done Pretending Otherwise.]]></title><description><![CDATA[Financial advice is often seen as something reserved for wealthy Australians, but the people who stand to benefit the most are often the least likely to receive it. In this article, we explore the growing advice gap, why navigating superannuation, retirement and financial decisions has become increasingly complex, and why access to quality financial guidance should be available to everyone, not just those who have already built wealth.]]></description><link>https://www.smarthappymoney.com.au/post/the-advice-gap-is-a-class-problem-and-i-m-done-pretending-otherwise</link><guid isPermaLink="false">6a26540a7af0f73356973924</guid><category><![CDATA[Personal Finance]]></category><pubDate>Mon, 08 Jun 2026 05:35:50 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e516a9_609ff7fa1509491ab82fec0a18c4eaee~mv2.jpeg/v1/fit/w_902,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[Why You Feel Broke on a Good Income (And What To Do About It)]]></title><description><![CDATA[Someone’s on a solid income. Sometimes very solid. Yet they feel like they’re treading water. Payday comes, bills go out, and there’s this quiet anxiety sitting in the background. If that’s you, I want to say this clearly.

You’re not bad with money. You’re just playing a game you didn’t design.]]></description><link>https://www.smarthappymoney.com.au/post/why-you-feel-broke-on-a-good-income-and-what-to-do-about-it</link><guid isPermaLink="false">69f6eb16edf5696920d66c81</guid><category><![CDATA[Personal Finance]]></category><category><![CDATA[Change]]></category><pubDate>Sun, 03 May 2026 06:30:52 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e516a9_c0a9890705d6453381fc03e0c36e2b25~mv2.jpeg/v1/fit/w_600,h_400,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[The Property Market Is Shifting. But That Doesn’t Mean What You Think]]></title><description><![CDATA[There’s a lot of noise around property at the moment. Headlines talking about prices falling. Inflation jumping again. Interest rates likely to rise further. For a lot of people, it creates that familiar feeling:]]></description><link>https://www.smarthappymoney.com.au/post/the-property-market-is-shifting-but-that-doesn-t-mean-what-you-think</link><guid isPermaLink="false">69f6ea73edf5696920d66b27</guid><category><![CDATA[Property]]></category><pubDate>Sun, 03 May 2026 06:28:07 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e516a9_e047ea9879664c1fa4be1c5a09894a95~mv2.avif/v1/fit/w_626,h_417,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[The Hidden Cost of Success: When Making More Money Makes Life Worse]]></title><description><![CDATA[We all grow up with the belief that if you work hard, earn more then life gets better. And for a while, that’s often true. More money can reduce stress, create options, and make life easier at the edges.
But then something strange happens.]]></description><link>https://www.smarthappymoney.com.au/post/the-hidden-cost-of-success-when-making-more-money-makes-life-worse</link><guid isPermaLink="false">69f6e8c690b4365cb864b45d</guid><category><![CDATA[Personal Finance]]></category><category><![CDATA[Wealth Creation]]></category><pubDate>Sun, 03 May 2026 06:22:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e516a9_c855faccb0b44c29be39d78307f6499a~mv2.jpeg/v1/fit/w_289,h_174,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[The cost of living is biting. And it is not just you.]]></title><description><![CDATA[When money feels tight for long stretches, it can quietly wear you down. Even small decisions start to feel heavy. You think twice about things you used to do without a second thought. You replay decisions in your head. You worry about the future more than you used to. ]]></description><link>https://www.smarthappymoney.com.au/post/the-cost-of-living-is-biting-and-it-is-not-just-you</link><guid isPermaLink="false">69f6e7987b1c42fb24f73753</guid><category><![CDATA[Personal Finance]]></category><category><![CDATA[Change]]></category><pubDate>Sun, 03 May 2026 06:17:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e516a9_a3168c32c1794d4ca9654072063bae6c~mv2.jpg/v1/fit/w_612,h_408,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[Money Anxiety: Why You Still Feel Unsafe (Even When You’re Not)]]></title><description><![CDATA[I often sit across the table from people who are doing fine financially. They have savings. Super is on track. Bills are paid. There’s no immediate danger. And yet, when money comes up, their body tightens. There’s a nervous laugh. A sense that something could go wrong at any moment. They don’t feel safe. This can be confusing and even embarrassing. The numbers say one thing. Their emotions say another. That disconnect is more common than you think. Your brain is not a spreadsheet Money...]]></description><link>https://www.smarthappymoney.com.au/post/money-anxiety-why-you-still-feel-unsafe-even-when-you-re-not</link><guid isPermaLink="false">69f44ecc90b4365cb85f5777</guid><category><![CDATA[Resources]]></category><category><![CDATA[Personal Finance]]></category><pubDate>Fri, 01 May 2026 06:59:35 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e516a9_76879995631d43e7b31f2bd4f6c4495e~mv2.png/v1/fit/w_1000,h_648,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[Smart Happy Money, and why we think money should be a force for good]]></title><description><![CDATA[Our vision is simple. Money should be a force for good.

Not just for you and your family, although that matters. Money can also do something beyond your household. It can support your community. It can protect people who are vulnerable. It can contribute to a healthier planet.]]></description><link>https://www.smarthappymoney.com.au/post/smart-happy-money-and-why-we-think-money-should-be-a-force-for-good</link><guid isPermaLink="false">69f3f885fb50272c89e4f964</guid><category><![CDATA[Resources]]></category><category><![CDATA[Change]]></category><pubDate>Fri, 01 May 2026 00:55:22 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e516a9_e25e5a0fec2b4ab2a2dcf2e597920135~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[The 1-Hour Money Reset: How to Save $500–$1,000 a Month (Without Changing Your Lifestyle)]]></title><description><![CDATA[Given the state of the world, the cost of living is likely to rise before it falls. This may lead to higher inflation and of course, higher interest rates. Not fun for most. We are already seeing the flow on effects of the war in Iran at the petrol station with fuel pushing up to and beyond $3 a litre. This will flow through to the supply chain and costs will rise, including food. All of this, is out of our hands, so what can we do? The Australian government is already encouraging those who...]]></description><link>https://www.smarthappymoney.com.au/post/the-1-hour-money-reset-how-to-save-500-1-000-a-month-without-changing-your-lifestyle</link><guid isPermaLink="false">69c34899dbf1d5b60130139f</guid><category><![CDATA[Personal Finance]]></category><category><![CDATA[Change]]></category><pubDate>Wed, 25 Mar 2026 02:31:53 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e516a9_9f8f24fb74f04676b3b155ce6505cc11~mv2.jpg/v1/fit/w_1000,h_512,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[Staying Focused Amid Global Events: Why Long Term Investors Tune Out the Noise]]></title><description><![CDATA[Global tensions can unsettle markets and investors alike, but history shows that short term volatility is a normal part of investing. In this update, Smart Happy Money explains why staying diversified, disciplined and focused on long term goals remains the most effective strategy during uncertain times.]]></description><link>https://www.smarthappymoney.com.au/post/staying-focused-amid-global-events-why-long-term-investors-tune-out-the-noise</link><guid isPermaLink="false">69a80255f1929985ec938fa4</guid><category><![CDATA[Resources]]></category><category><![CDATA[Change]]></category><pubDate>Wed, 04 Mar 2026 10:02:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e516a9_1a427139523e4dddb968e16dfd6331bf~mv2.jpg/v1/fit/w_275,h_183,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[Do you have a big bad debt monster hiding in your closet?]]></title><description><![CDATA[Around the world we are beginning to see interest rates rise.  So far, the RBA has kept our official interest rate here in Australia at...]]></description><link>https://www.smarthappymoney.com.au/post/do-you-have-a-big-bad-debt-monster-hiding-in-your-closet</link><guid isPermaLink="false">5ef556c3a63b4b00176a1818</guid><category><![CDATA[Personal Finance]]></category><category><![CDATA[Debt]]></category><pubDate>Wed, 06 Apr 2022 02:00:35 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/c9b600dc474946cc904ee7392a223524.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[What are your lifestyle goals?]]></title><description><![CDATA[Pre covid, I loved to travel. In 2020 I had a wonderful trip to Europe planned that got thrown out the window, just like everyone else’s...]]></description><link>https://www.smarthappymoney.com.au/post/what-are-your-lifestyle-goals</link><guid isPermaLink="false">616f72d9ec6ae70016da7ce0</guid><category><![CDATA[Personal Finance]]></category><category><![CDATA[Goals]]></category><category><![CDATA[Wealth Creation]]></category><category><![CDATA[Passive Income]]></category><category><![CDATA[Cash Flow]]></category><category><![CDATA[Change]]></category><pubDate>Wed, 20 Oct 2021 01:40:43 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_e28e6ea483da4d2d84fe1caaaedf2578~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[3 ways to save money this month]]></title><description><![CDATA[Have you ever thought about getting your finances in order, saving and investing but it all seemed so overwhelming that you gave up before you even got started? It’s very common. After living paycheque to paycheque and not worrying too much about where your money has gone, it can be hard to suddenly have these things on your mind. So, I’m going to take you on some baby steps. I’m going to help get you started on what I hope is a successful financial journey. Let’s have a look at three easy...]]></description><link>https://www.smarthappymoney.com.au/post/3-ways-to-save-money-this-month</link><guid isPermaLink="false">615e6d70031ff30016cae865</guid><category><![CDATA[Personal Finance]]></category><category><![CDATA[Change]]></category><pubDate>Thu, 07 Oct 2021 03:51:35 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_67cb26ae0eef4e22949cb23f939798d4~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[Under 40?  Your super still matters.]]></title><description><![CDATA[So, you’re under forty. Should you be thinking about your superannuation? The answer is yes.  Super is important no matter your age. We’re facing a problem, the baby boomers (yes, our parents) have started retiring putting a strain on the age pension. The government has already raised the age at which you can apply for the pension from 65 to 67. I think we need to be prepared for it to go up again. My guess is that it will eventually be 70 years of age. We need to be ready to live 30+ years...]]></description><link>https://www.smarthappymoney.com.au/post/under-40-your-super-still-matters</link><guid isPermaLink="false">611c70efd39621001515146b</guid><category><![CDATA[Superannuation]]></category><pubDate>Wed, 18 Aug 2021 02:43:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/dd9a2e66b01e489a8e2a1960061b630f.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[The 3 steps to a successful financial plan.]]></title><description><![CDATA[Finances can be complex.  We have found, through years of working with clients to achieve their goals, that simplicity is the best way to ensure that someone commits to and implements their plan to the fullest extent. At Smart Happy Money we have put together 3 steps that we believe may help you, depending on your circumstances, to set up a successful financial plan. Let’s get into them. 1: Protect Protecting what you have is the cornerstone of a solid financial plan.  This may be done...]]></description><link>https://www.smarthappymoney.com.au/post/the-3-steps-to-a-successful-financial-plan</link><guid isPermaLink="false">6109e823b3f1af001513916c</guid><category><![CDATA[Personal Finance]]></category><category><![CDATA[Goals]]></category><category><![CDATA[Change]]></category><pubDate>Wed, 04 Aug 2021 01:11:26 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/44217eb8e1374a6097f07bb470b1dbc0.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[3 steps you can take to better prepare for your retirement]]></title><description><![CDATA[Even though retirement may seem like a long way off for many of you (closer for some!), have you ever asked yourself, “how am I going to retire”? It is a common question, especially for those who have passed the age of fifty. Fifty seems to be a turning point in the way people think about retirement. Although still 15 years or so away, it seems to be the time that people start to think about how it is going to work. We find more 50+ people want to start adding to their superannuation to boost...]]></description><link>https://www.smarthappymoney.com.au/post/3-steps-you-can-take-to-improve-your-retirement</link><guid isPermaLink="false">605019a8f620d2006e2a9bf1</guid><category><![CDATA[Retirement]]></category><category><![CDATA[Superannuation]]></category><pubDate>Wed, 17 Mar 2021 01:54:30 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/09d08e3ca4ee47f9b0ace60e440cdee5.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[Let's control what we can.]]></title><description><![CDATA[In many places around the world only the rich ‘play’ the finance markets. Other people would never dream of having spare money to invest....]]></description><link>https://www.smarthappymoney.com.au/post/let-s-control-what-we-can</link><guid isPermaLink="false">603f07666f65540015b88276</guid><category><![CDATA[Wealth Creation]]></category><category><![CDATA[Personal Finance]]></category><category><![CDATA[Goals]]></category><pubDate>Wed, 03 Mar 2021 03:54:24 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/07925e62549b4c19bd45ce2eef0867f0.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[Paying attention to this can make a HUGE difference to your finances.]]></title><description><![CDATA[Cash Flow, Cash Flow and More Cash Flow Can I depersonalise you for a minute? (You'll have to stick with me for this) You are an entity....]]></description><link>https://www.smarthappymoney.com.au/post/paying-attention-to-this-can-make-a-huge-difference-to-your-finances</link><guid isPermaLink="false">602c5928061cb60017e57502</guid><category><![CDATA[Wealth Creation]]></category><category><![CDATA[Passive Income]]></category><category><![CDATA[Personal Finance]]></category><category><![CDATA[Goals]]></category><category><![CDATA[Cash Flow]]></category><pubDate>Tue, 16 Feb 2021 23:51:32 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_a577562a578548a3bd78457abfc05b39~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item><item><title><![CDATA[What is Financial Planning?]]></title><description><![CDATA[When people think of financial planning they think about investment management. Where should I invest my money? Who will invest it for...]]></description><link>https://www.smarthappymoney.com.au/post/what-is-financial-planning</link><guid isPermaLink="false">6019eaf4318051001742a59a</guid><category><![CDATA[Wealth Creation]]></category><category><![CDATA[Personal Finance]]></category><pubDate>Wed, 03 Feb 2021 00:17:07 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/6d541016cb8d4d91b5a2b1ebb7f81705.jpg/v1/fit/w_1000,h_899,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Ben Graham-Nellor</dc:creator></item></channel></rss>