Good Debt, Bad Debt — And the Quiet Mistakes Keeping You Working Longer Than You Need To

Most of us were taught that debt is bad. But no one ever explained that some debt quietly makes you poorer… while other debt can help you build real, lasting wealth.

In this episode of The Bungalow, we break down the difference between good debt and bad debt — without jargon, hype, or pressure.

We talk honestly about:

• Why car finance, credit cards and “buy now, pay later” keep people stuck
• How banks are incentivised to say yes to the wrong kind of borrowing
• Why good debt takes intention (and bad debt creeps up on you)
• How property, inflation and leverage can work in your favour — if you understand the rules
• And the quiet mindset shift that separates people who look wealthy from people who actually are

This isn’t about judgement or telling you what to do. It’s about understanding the game - so you can decide how you want to play it.

If you’ve done “all the right things” but still feel like your money isn’t working hard enough… this episode is for you.

What Actually Matters When You Invest in Stocks & Shares

Most people don’t avoid investing because they’re bad with money. They avoid it because it’s been overcomplicated.

In this episode, we cut through the jargon and strip stocks and shares back to what actually matters: how they work, why simplicity beats cleverness, and how long-term investors grow money without watching the market or second-guessing every move.

If you’ve got cash sitting on the sidelines, feel overwhelmed by conflicting advice, or just want a clear, calm starting point before you invest, this episode gives you the low-down — minus the noise, pressure, or hype.

Most people are taught to save money.

The wealthy are taught to understand it.

If you’ve done everything right but still feel your money could be doing more, this episode explains the difference that actually matters.

In this episode of The Bungalow, we unpack the quiet distinctions that separate people who feel stuck — even on decent incomes — from those who build real financial freedom over time.

We talk about:

• Why the wealthy see money as a tool, not something to hoard
• The difference between saving for safety and investing for choice
• Why fear of “getting it wrong” keeps capable people frozen
• How assets — not income — quietly fund the wealthy lifestyle
• The mindset shift from “Can I afford this?” to “What would pay for this?”
• How risk looks very different once you understand it properly

This isn’t about champagne lifestyles or overnight success.

It’s about learning how calm, rational people gradually make money work harder for them — without hype, pressure, or doing anything reckless.

If you’ve done “everything right” but still feel like time is speeding up and your money could be doing more… this conversation will give you a clearer way of thinking about what comes next.