Send us BBQ chats

Learn how to access equity, calculate your borrowing capacity and connect with Alex here: https://linktr.ee/alexanderwatson

Your kids only ever see you tap a card, so what are they actually learning about money? And when does “it’s only a dollar” stop being only a dollar?

Ash Pinder, mum of three and a committed deal-hunter, sticks around after last week’s episode for a whiskey and a proper debrief. She brings the everyday household lens: how a real family splits its money, and what parents are trying to teach kids in a world without cash.

Ash isn’t here as a finance professional. She’s the voice of a family running its own system, and Alex and Bindi test it against their own habits.

In this episode:

• Why a $1 claw machine is more dangerous than a $5 one: cheap per play is exactly how the money pit opens
• How “spend $20, get bonus credit” deals lower the cost per game and push total spend up
• Separate spending accounts: allocating income into buckets the moment it lands, including a dedicated dentist fund for check-ups that come around faster than you’d think
• Running the numbers on adding kids to an old health plan versus just paying the dentist bill
• Equal personal spending money for both partners, and how differently two people end up using it
• Why teaching kids with coins may miss the mark when they’ll only ever tap, and how a restricted kids’ card and app with savings goals fills that gap
• Alex’s case for letting kids feel “no” now and introducing the full picture around first-job age
• “Save more” is too broad: the 50/30/20 rule as a starting framework for teenagers earning their first pay

Missed the main episode? Catch Ash on Aussies’ Biggest Home Loan Questions

🎙 Show home → Financebutneat.com

▶️ YouTube → @finance-butneat

📸 Instagram → @alexwatson_funded

💼 LinkedIn → Alexander Watson Funded Finance

📸 Instagram → @funded.finance

🎧Subscribe to Finance, But Neat wherever you get your podcasts.

Finance, But Neat is hosted by Alex Watson, an accredited mortgage broker and director of Funded Finance.

Information shared by guests reflects their own views and expertise and is general in nature only.

FUNDED FINANCE PTY LTD ABN 13 662 875 523 is an authorised credit representative of Connective Credit Services Pty Ltd Australian Credit Licence 389328. The information provided is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.