In this solo episode of Money Mastery with Marshy, Daniel kicks off 2026 with an honest reflection on podcast standards, long-term personal growth, and the simple intentions that actually move the needle — in business, relationships, and life.

After a short hiatus,

Daniel explains what prompted the delay, how a piece of constructive listener feedback led to a major improvement in audio quality, and why holding yourself to high standards sometimes requires uncomfortable honesty.

The episode then dives into Daniel’s five-year annual reflection ritual — a handwritten letter to himself each year — and the powerful realisation that came from rereading the very first one written in 2020.

This reflection led to a counter-intuitive decision for 2026: setting no formal business goals, and instead focusing on clarity, refinement, and closing personal gaps.

Finally,

Daniel shares one simple personal intention for the year ahead — bringing back monthly date nights with his wife — and how small, intentional actions (and even a dedicated bank account) can create deeper connection, reset energy, and strengthen relationships after kids.

Why money mastery is really self-mastery — and why it never ends

Ten years ago, one book changed the trajectory of my life.

In this episode — the first of 2026 — I sit down with one of my closest mates, Scott Norman, to unpack the real lessons from a decade-long journey of money, business, discipline, and self-growth.

This isn’t a highlight reel.It’s an honest reflection.

We talk about:

• Why money mastery is not about money — but about who you become

• The habits and mindset shifts that compound quietly over years

• Why business takes longer than you think (and why that’s normal)

• The moments I wanted to quit and go back to a “safe” 9–5

• Discipline, identity, and why you’re already disciplined — just not where you think

• Becoming a father, rebuilding from zero, and redefining success

• Why staying in the game long enough is the real competitive advantage

Scott also shares insights from building Generation Youth, a mentoring organisation supporting young people across Australia — reminding us that relationship always comes before results.

This episode is for you if:

• You’re starting (or restarting) your money journey

• You feel behind, stuck, or questioning your path

• You want wealth without burning out your life

• You’re playing the long game — even when it’s uncomfortable

Money mastery doesn’t have a finish line.But if you stay committed long enough, it changes everything.

Listen now — and step into 2026 with clarity, intention, and perspective.

If you want to join my weekly newsletter list, subscribe here.

Want to build wealth that actually lasts – without hype, shortcuts, or fear-driven decisions?

In this episode of Money Mastery with Marshy, Daniel Marshall sits down with Arthur Panagis – former accountant turned financial advisor, founder of FMG Wealth Strategists, author of The Art of Building Wealth, and a long-term thinker on Bitcoin and the future of money.

With over 30 years working in finance and business, Arthur breaks down the core principles of real wealth creation, why most people struggle to get ahead despite earning good money, and how values, compounding, and time matter more than picking the “perfect” investment.

Arthur also shares his evolving view on Bitcoin, why he believes it’s moving from speculative to strategic, and how financial advisors are beginning to engage with digital assets as the money system changes.

Arthur explains:

◼️ Why your values determine where your money actually goes

◼️ The wealth rule most business owners ignore (and why it matters)

◼️ Why compounding only works if you’re patient enough

◼️ How financial advisors really add value beyond returns

◼️ Why panic selling destroys long-term wealth

◼️ Bitcoin through a financial advisor’s lens – risk, trust, and time horizon

◼️ What “reinspirement” means instead of traditional retirement

Episode Chapters:

00:00 Intro

02:10 How Arthur’s journey from accounting shaped his wealth philosophy

05:30 Discovering Dr John Demartini & the power of values

09:45 Why wealth building must rank high in your values

13:20 The “pay yourself first” rule (especially for business owners)

18:10 Compounding explained simply — and why most people quit too early

23:40 Lessons from Warren Buffett & long-term investing

28:30 How financial advice has changed over the last decade

34:15 Peace of mind vs chasing returns

38:50 When you should consider working with a financial advisor

43:10 Reinspirement vs retirement

47:30 Why Arthur started studying Bitcoin

52:40 Bitcoin, scarcity & broken money

59:10 Where Bitcoin fits in a modern wealth strategy

1:05:20 Long-term thinking in a short-term world

1:10:40 Final reflections on wealth, purpose & the future of money

Download Arthur’s book — The Art of Building Wealth

If you enjoyed this episode, leave a 5-star review, share it with someone who wants to build wealth the smart way, and tune in next week for another episode of Money Mastery with Marshy.

Meet Paul Rogers – The Tradie Coach, business mentor, and author of Get Off the Tools and Profit in Your Pocket.

In this episode, Paul shares his incredible journey from electrician to global telecoms, running a multi-million-dollar wine business, and ultimately finding his purpose helping tradies and small business owners build profitable businesses that support the life they actually want.

Together, they unpack why so many tradies work harder every year yet feel more stressed, broke, and stuck — and how to fix it.

In this episode, you’ll learn:

• Why revenue is noise, but profit is freedom

• The biggest financial mistakes tradies make (and why accountants alone won’t fix them)

• How to simplify cashflow with Paul’s “Profit in Your Pocket” system

• What it really takes to get off the tools without losing control of your business

• The role of self-leadership, systems, and accountability in sustainable growth

• Why building the right business matters more than building a bigger one

• How Paul is now scaling his impact through books, group coaching, and his new King’s Order series

If you’re a tradie or small business owner who’s flat out, under pressure, and wondering where the money actually goes — this episode could be a turning point.

🎧 Listen now and start building a business that works for you, not the other way around.

In this episode of Money Mastery with Marshy, Daniel shares a raw behind-the-scenes look at a recent period of confusion, frustration, and underperformance in his business — and the simple realization that helped him regain clarity, focus, and income momentum.

Rather than needing a brand-new strategy, Daniel discovered the root problem was misaligned activity. He had slipped into being busy instead of effective and allowed his calendar to be shaped by other people’s priorities instead of his own.

Then came a powerful insight that changed everything…

Daniel breaks down the three core activities that now anchor his business:

Create – Content, podcasting, writing, and visibility

Connect – Relationships, coffee catchups, collaboration

Coach – Client delivery, workshops, service

These are the needle-moving tasks for his business — the ones that:

• Generate income

• Create fulfilment

• Compound long-term success

Inspired by Dr John Demartini’s work on values, Daniel explains:

What you do most powerfully reveals what you truly value.

Instead of filling his days with meetings and admin, Daniel redesigned his “default week” around:

• Morning deep work (creation)

• Mid-morning connection

• • Midday training for energy and focus
  • Afternoon coaching and service

• Each day now contains:

  - One creation task

  - One connection task

  - One coaching/service task

  No overwhelm. No overbooking. Just clarity.

  You’ll discover:

  • Why being busy is often a sign of poor focus

  • How to identify your real income-producing activities

  • How to redesign your calendar around your energy

  • The power of a “default week” structure

  • How to set daily high-value priorities

  • Why strong boundaries are essential for growth

  • How clarity leads to confidence and momentum

  If you’re feeling overwhelmed or unclear:

  1. Audit your time for a week

  2. Identify your own “big three” activities

  3. Update your calendar to reflect them

  4. Set three daily high-value tasks that align with those priorities

  Do this and watch your clarity skyrocket!

  Enjoy this episode?

  Leave a 5-star review, follow the show, and share this episode with someone who needs clarity right now.

  And if you’d like support creating clarity in your finances, business, or life — reach out to Daniel directly.

In this episode #113 of Money Mastery with Marshy, Daniel sits down with Alexis Bauve, founder of boutique buyer’s agency Craft Property in Adelaide.

After 15 years in commercial property and a corporate career managing major shopping centres, Alexis was made redundant just two months after the birth of his fourth child.

Instead of retreating to “safety”, he burned the boats and backed himself – launching his own buyer’s agency with zero clients, no sales background, and a young family to provide for.

Alexis shares how growing up in an “asset-rich, cash-poor” French family shaped his mission to rebuild generational wealth the right way – through smarter money habits, better property decisions, and breaking old patterns around spending and inheritance.

You’ll hear the real numbers behind recent client deals (including a 12–18 month uplift from $574k to ~700k), why commercial property can be a game-changer for cash flow, and the advantages of working with a boutique buyer’s agent over a big-name firm.

If you’re a busy professional or business owner who wants to build wealth without losing your sanity, this one will hit home.

In this short, sharp episode of Money Mastery with Marshy, Daniel dives into the hidden psychology of credit card use—especially for business owners—and why even the most disciplined people can get burned.

Credit cards change your behaviour.

Even Daniel—naturally disciplined and structured with money—saw his spending creep up after using a business credit card for two years.

Despite paying the balance off in full each month, his cash reserves dropped by over $30,000 simply because the card created permission to spend more.

This is Parkinson’s Law in action: the more you have access to, the more you naturally use.

Even when used “responsibly,” credit cards:

• Blur the lines between personal + business expenses

• Encourage emotional or convenience spending

• Make it easy to tap → tap → tap with little friction

• Leave a painful lump-sum surprise at month’s end

Daniel’s client experienced the same pattern—great revenue, poor behavioural boundaries around credit.

Instead of ditching the card entirely, Daniel helped his client build strict rules to use it only for true ROI-producing investments:

1. Ad spend

2. Business coaching / mentorship

Everything else? Eliminated.

The game changer:

➡️ Allocate the money to the card before spending it
Instead of tapping all month then scrambling to pay it off, you intentionally top it up at the start of the month.
This makes credit usage:

• Purpose-driven

• Pre-funded

• Emotion-free

• ROI-focused

And it keeps cashflow healthy while still leveraging the strategic benefits of a card.

Use the credit card as a tool, not a safety net.
Fund it first → spend intentionally → track ROI → avoid the end-of-month panic cycle.

This psychological shift alone can transform how business owners use credit.

Daniel would love to hear how credit cards have influenced your money behaviour—good or bad.

Email: daniel@danielmarshallcoaching.com
Instagram: @danielgmarshall

In this episode of Money Mastery with Marshy, Daniel reveals a brand-new layer of his Financial Fitness Framework – the Six Financial Fitness Archetypes, inspired by the training styles you see in the gym.

Just like physical health, your financial health is shaped by how you earn (training), spend (nutrition), build assets (muscle), and manage liabilities (fat).

And these six archetypes make it easier to understand your own money patterns – and what needs to shift.

Daniel breaks down each archetype both physically and financially:

• The Couch Potato — stuck in comfort, low awareness, coasting financially

• The Marathon Runner — disciplined, steady, consistent, but risk-averse

• The Bodybuilder — structured, goal-driven, disciplined… but sometimes image-focused

• The Powerlifter — big assets, big ambition, big leverage

• The CrossFitter — functional across the board, diversified, energetic, but at risk of overtraining

• The Yogi — aligned, intentional, peaceful… but lacking structure for long-term wealth

You'll discover where you sit right now, where you want to be, and how to train your financial fitness more intentionally.

Daniel also shares details about the Financial Fitness Assessment Session, a 90-minute deep dive into your income, expenses, assets, and liabilities — so you know your current financial health and what to focus on next.

🎧 Tune in to find your archetype – and learn how to build the financial physique you truly want.