Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch.

In today’s discussion, we take a hard look at what it really means to be middle class in Australia — and why it can so easily become a poverty trap. Many households earning solid incomes still find themselves struggling, not because of low pay but because of lifestyle inflation, rising costs, and the illusion of financial comfort. Andrew unpack the difference between being comfortable and being truly free, revealing the silent financial habits that hold people back.

If you’re serious about avoiding the middle class poverty trap and want strategies that can move you closer to genuine financial freedom, this episode is one you can’t miss.

Subscribe, leave us a review, and share this episode with someone who needs to hear it.

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The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/

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Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch.

In today’s discussion, we take a closer look at the Investing Ladder — a structured approach that helps you determine where you are in your financial journey and what the next step should be. From establishing a safety net and emergency fund, to moving into shares, ETFs, property, and eventually more sophisticated investments, this framework provides clarity on how to grow your wealth with purpose.

Andrew and Mitch explain why understanding the Investing Ladder is critical at every stage of life, how to avoid common missteps, and what strategies you can apply right now to move upward with confidence.

Tune in to sharpen your financial direction and take action on the next rung of your ladder. Don’t forget to subscribe, leave a review, and share this episode with someone looking to build their wealth.

Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1

FREE Online Training with Andrew Baxter: https://bit.ly/cod-online

Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/

The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/

The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387

Welcome to this week's episode of the Money and Investing Show with Andrew Baxter and co-host Mitch.

In 5 Money Habits That Changed Our Lives and Could Do the Same for You, we share straight talk from our own wins and mistakes. You will hear how saving first, knowing your numbers, guarding against lifestyle inflation, investing only in assets that pay their own way, and setting clear goals shaped our results. We also touch on structure and tax, emergency funds, and the mindset of not negotiating with yourself.

This episode is practical and personal, drawn from early career grind to family security today. If you want 5 money habits that changed our lives to work for you, this is a sharp checklist you can apply right away.

Tune in now, take notes, and take action. If you find value, please subscribe, leave a quick review, or share this with a mate.

Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1

FREE Online Training with Andrew Baxter: https://bit.ly/cod-online

Subscribe to Money and Investing Podcast: http://www.moneyandinvesting.com.au/

The Wealth Playbook: Your Ultimate Guide to Financial Security: https://www.wealthplaybook.com.au/

The Wealth Playbook on Audible: https://www.audible.com.au/pd/The-Wealth-Playbook-Audiobook/B0CXYYWZTB?qid=1711282387