About the Guest:

Joe Youssef is an experienced investment professional and the Chief Investment Officer of Vado Private. With more than 30 years’ experience across financial markets, investment management, and the not-for-profit sector, his career has included senior roles at AMP and Macquarie Bank, as well as serving as CEO of the Sydney Stock Exchange. Joe brings a wealth of knowledge to discussions about finance, investment, and the relationship between financial stewardship and the Christian faith.

Key Takeaways:
Investing is not only about financial gain but about aligning with quality assets and long-term growth strategies.
A comprehensive understanding of financial instruments and investment vehicles is crucial for effective and ethical investing.
Christians are encouraged to integrate their faith into financial decisions, ensuring investments align with core values.
Financial literacy is indispensable, urging individuals to engage in self-education alongside professional advice.
Ethical investments should consider the broader impact on society and personal beliefs, avoiding sectors that conflict with faith and values.

Notable Quotes:
"Investing is Quality assets, long term perspective." – Joe Youssef
"You can't con Jesus and you can't con yourself." – Joe Youssef
"Coffins don't have pockets." – Common saying from Pete Burrows
"Ignorance is no alibi." – Lenny M, highlighting the importance of financial literacy
"God gives us the opportunity to make money to provide for our families, but to also use that in the service of others." – Joe Youssef

Resources:
Vado Private: The investment firm where Joe Youssef is CIO
Pete Burrows with Lower Russell and Farr
Affluens360: This livestream's 2 prizes valued at $880 each is sponsored by Affluens360 -We help you build a brighter future for your family through wealth management advice

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

About the Guest:
Joe Youssef is an experienced investment professional and the Chief Investment Officer of Vado Private. With more than 30 years&rsquo; experience across financial markets, investment management, and the not-for-profit sector, his career has included senior roles at AMP and Macquarie Bank, as well as serving as CEO of the Sydney Stock Exchange. Joe brings a wealth of knowledge to discussions about finance, investment, and the relationship between financial stewardship and the Christian faith.
Key Takeaways:
<ul>
<li>Investing is not only about financial gain but about aligning with quality assets and long-term growth strategies.</li>
<li>A comprehensive understanding of financial instruments and investment vehicles is crucial for effective and ethical investing.</li>
<li>Christians are encouraged to integrate their faith into financial decisions, ensuring investments align with core values.</li>
<li>Financial literacy is indispensable, urging individuals to engage in self-education alongside professional advice.</li>
<li>Ethical investments should consider the broader impact on society and personal beliefs, avoiding sectors that conflict with faith and values.</li>
</ul>
Notable Quotes:
<ul>
<li>"Investing is Quality assets, long term perspective." &ndash; Joe Youssef</li>
<li>"You can't con Jesus and you can't con yourself." &ndash; Joe Youssef</li>
<li>"Coffins don't have pockets." &ndash; Common saying from Pete Burrows</li>
<li>"Ignorance is no alibi." &ndash; Lenny M, highlighting the importance of financial literacy</li>
<li>"God gives us the opportunity to make money to provide for our families, but to also use that in the service of others." &ndash; Joe Youssef</li>
</ul>
Resources:<a href="http://www.hopemornings.com/"></a>
<ul>
<li><a href="https://vadoprivate.com.au/">Vado Private:</a> The investment firm where Joe Youssef is CIO</li>
<li><a href="https://www.lrf.com.au/our_team">Pete Burrows with Lower Russell and Farr</a></li>
<li><a href="https://affluens360.com.au/">Affluens360</a>: This livestream's 2 prizes valued at $880 each is sponsored by Affluens360 -We help you build a brighter future for your family through wealth management advice</li>
</ul>
Got a question, comment or personal story to share? Send it through at <a href="https://hope1032.com.au/show/money/">hopepodcasts.com.au</a>. Ben and Pete will get stuck into it on a future episode.
Pete Burrows is an accountant for small business and individuals with <a href="https://www.lrf.com.au/">Lower Russell and Farr</a> in Penrith, Western Sydney, Australia. Ben McEachen hosts <a href="https://hope1032.com.au/programs/hope-mornings/">Hope Mornings on Hope 103.2FM</a> in Sydney, Australia.

Money: Faith & Finance explores the profound and practical of everyday finances. In every episode, we explore the real-life impact of everything from superannuation to stewardship, the World Bank to your wallet – and what does God have to say about money?

Welcome to the profit, loss and real balance sheet of wherever money intersects with you.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Money: Faith &amp; Finance explores the profound and practical of everyday finances. In every episode, we explore the real-life impact of everything from superannuation to stewardship, the World Bank to your wallet – and what does God have to say about money? Welcome to the profit, loss and real balance sheet of wherever money intersects with you.
Pete Burrows is an accountant for small business and individuals with <a href="https://www.lrf.com.au/">Lower Russell and Farr</a> in Penrith, Western Sydney, Australia. Ben McEachen hosts <a href="https://hope1032.com.au/programs/hope-mornings/">Hope Mornings on Hope 103.2FM</a> in Sydney, Australia.

Money: Faith & Finance

Listen to more from our Hope Podcasts collection at hopepodcasts.com.au. And send the team a message via Hope 103.2’s app, Facebook or Instagram.

This podcast is not offering financial or investment advice. It's always best to do your own research and to consult a professional financial or investment advisor before making any financial or investment decisions.

Listen to more from our Hope Podcasts collection at <a href="http://www.hopepodcasts.com.au/">hopepodcasts.com.au</a>. And send the team a message via <a href="https://hope1032.com.au/listen/#apps">Hope 103.2’s app</a>, <a href="https://www.facebook.com/Hope103.2">Facebook</a> or <a href="https://www.instagram.com/sydneyshope1032/">Instagram</a>. This podcast is not offering financial or investment advice. It's always best to do your own research and to consult a professional financial or investment advisor before making any financial or investment decisions.

Investing 101 for Christians (Is It Gambling??) - Livestream Pt 1

Is investing really worth the risk? Joe Youssef, Chief Investment Officer at Vado Private, joins Ben McEachen and Pete Burrows to answer the questions left over from the Money: Faith & Finance investing livestream. Find out why anyone with super is already an investor, how to check whether an ethical fund lives up to its label, and what the Parable of the Talents says about fear and money. Plus, what to do with an inheritance and how to respond when an investment goes wrong. You'll learn to weigh risk, give generously and decide early.

Key Takeaways:
Reward Follows Risk: Investments promising unusually high returns generally carry more risk, and some of them aren't sound at all.
You're Already Investing: Anyone with super already has money in the markets, so it pays to know which investment option it sits in.
Look Through the Label: Ethical funds usually publish their top holdings, which lets investors check a fund against their own values and screens.
The Generosity Test: Asking whether you would back an investment even without a return can show what's really driving the decision.
Be Intentional With a Windfall: Treating an inheritance like income, with some to save, some to enjoy and some to give, helps it land well.
Decide Early: When an investment goes wrong, pushing past the embarrassment and getting advice early usually beats hanging on and hoping.

Notable Quotes:
"Investment is good, invest for good." — Joe Youssef
"Don't forget to apply your values to your investments. Your investments don't exist in a bubble." — Pete Burrows
"As I'm investing, aren't I investing for myself?" — Ben McEachen
"The quality of my output is contingent upon the quality of your input." — Joe Youssef
"You learn the best lessons with your own money, unfortunately, sometimes." — Pete Burrows

 

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Is investing really worth the risk? Joe Youssef, Chief Investment Officer at Vado Private, joins Ben McEachen and Pete Burrows to answer the questions left over from the Money: Faith &amp; Finance investing livestream. Find out why anyone with super is already an investor, how to check whether an ethical fund lives up to its label, and what the Parable of the Talents says about fear and money. Plus, what to do with an inheritance and how to respond when an investment goes wrong. You'll learn to weigh risk, give generously and decide early.
Key Takeaways:
<ul>
<li>Reward Follows Risk: Investments promising unusually high returns generally carry more risk, and some of them aren't sound at all.</li>
<li>You're Already Investing: Anyone with super already has money in the markets, so it pays to know which investment option it sits in.</li>
<li>Look Through the Label: Ethical funds usually publish their top holdings, which lets investors check a fund against their own values and screens.</li>
<li>The Generosity Test: Asking whether you would back an investment even without a return can show what's really driving the decision.</li>
<li>Be Intentional With a Windfall: Treating an inheritance like income, with some to save, some to enjoy and some to give, helps it land well.</li>
<li>Decide Early: When an investment goes wrong, pushing past the embarrassment and getting advice early usually beats hanging on and hoping.</li>
</ul>
Notable Quotes:
<ol>
<li>"Investment is good, invest for good." &mdash; Joe Youssef</li>
<li>"Don't forget to apply your values to your investments. Your investments don't exist in a bubble." &mdash; Pete Burrows</li>
<li>"As I'm investing, aren't I investing for myself?" &mdash; Ben McEachen</li>
<li>"The quality of my output is contingent upon the quality of your input." &mdash; Joe Youssef</li>
<li>"You learn the best lessons with your own money, unfortunately, sometimes." &mdash; Pete Burrows</li>
</ol>
&nbsp;
Got a question, comment or personal story to share? Send it through at <a href="https://hope1032.com.au/show/money/">hopepodcasts.com.au</a>. Ben and Pete will get stuck into it on a future episode.
Pete Burrows is an accountant for small business and individuals with <a href="https://www.lrf.com.au/">Lower Russell and Farr</a> in Penrith, Western Sydney, Australia. Ben McEachen hosts <a href="https://hope1032.com.au/programs/hope-mornings/">Hope Mornings on Hope 103.2FM</a> in Sydney, Australia.

Is Investing Worth the Risk? A Christian Q&A

https://api.omny.fm/orgs/258d2f07-1164-48e4-970c-accc0047a4ed/clips/177eb687-f77f-4674-a162-b4f60033c4be/transcript

Should Australia raise the GST? It has sat at 10% since July 2000, and the Grattan Institute has made the case for 15%. Ben McEachen from Hope Mornings asks accountant Pete Burrows from Lower Russell and Farr what a higher GST would mean at the checkout, why it can hit lower income households hardest, and what loving your neighbour has to do with tax. You'll learn how a rate rise flows through to your shopping, where you'd feel it most, and the questions worth asking before saying yes or no.

Key Takeaways:
Spend Tax, Not Earn Tax: A GST taxes people when they spend rather than when they earn, which is why a higher rate is usually paired with income tax cuts.
Smaller Than It Sounds: Because shelf prices already include GST, lifting the rate from 10% to 15% adds a little under 5% to items that already carry it.
Exemptions Are the Big Shift: Households would feel it most if GST were extended to things that are GST free today, such as fresh food, health and education.
Who Carries the Cost: The GST is a regressive tax, so lower income households feel price rises more unless welfare or income tax changes offset them.
A Faith Lens on Tax: Loving your neighbour and caring for the vulnerable turn the GST debate into a question of who can absorb extra costs and whether public money is used well.
Spending Matters Too: More tax is no excuse for poor spending, yet the states fund hospitals, schools and roads with very few ways of their own to raise money.

Notable Quotes:
"The theory with the GST or a consumption tax is you tax people when they spend, not when they earn." — Pete Burrows
"Increasing taxes isn't an excuse to have poor spending habits." — Pete Burrows
"It's always easy to ask for more tax. It's probably harder to justify what it's spent on." — Pete Burrows
"When it comes to talking about GST, Pete, it raises issues around is public money being used well and who can absorb extra costs?" — Ben McEachen
"You can't just say no. But if you want to say yes, you need to explain how it's going to be best for the country and everybody in it overall." — Pete Burrows

 

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Should Australia raise the GST? It has sat at 10% since July 2000, and the Grattan Institute has made the case for 15%. Ben McEachen from Hope Mornings asks accountant Pete Burrows from Lower Russell and Farr what a higher GST would mean at the checkout, why it can hit lower income households hardest, and what loving your neighbour has to do with tax. You'll learn how a rate rise flows through to your shopping, where you'd feel it most, and the questions worth asking before saying yes or no.
Key Takeaways:
<ul>
<li>Spend Tax, Not Earn Tax: A GST taxes people when they spend rather than when they earn, which is why a higher rate is usually paired with income tax cuts.</li>
<li>Smaller Than It Sounds: Because shelf prices already include GST, lifting the rate from 10% to 15% adds a little under 5% to items that already carry it.</li>
<li>Exemptions Are the Big Shift: Households would feel it most if GST were extended to things that are GST free today, such as fresh food, health and education.</li>
<li>Who Carries the Cost: The GST is a regressive tax, so lower income households feel price rises more unless welfare or income tax changes offset them.</li>
<li>A Faith Lens on Tax: Loving your neighbour and caring for the vulnerable turn the GST debate into a question of who can absorb extra costs and whether public money is used well.</li>
<li>Spending Matters Too: More tax is no excuse for poor spending, yet the states fund hospitals, schools and roads with very few ways of their own to raise money.</li>
</ul>
Notable Quotes:
<ol>
<li>"The theory with the GST or a consumption tax is you tax people when they spend, not when they earn." &mdash; Pete Burrows</li>
<li>"Increasing taxes isn't an excuse to have poor spending habits." &mdash; Pete Burrows</li>
<li>"It's always easy to ask for more tax. It's probably harder to justify what it's spent on." &mdash; Pete Burrows</li>
<li>"When it comes to talking about GST, Pete, it raises issues around is public money being used well and who can absorb extra costs?" &mdash; Ben McEachen</li>
<li>"You can't just say no. But if you want to say yes, you need to explain how it's going to be best for the country and everybody in it overall." &mdash; Pete Burrows</li>
</ol>
&nbsp;
Got a question, comment or personal story to share? Send it through at <a href="https://hope1032.com.au/show/money/">hopepodcasts.com.au</a>. Ben and Pete will get stuck into it on a future episode.
Pete Burrows is an accountant for small business and individuals with <a href="https://www.lrf.com.au/">Lower Russell and Farr</a> in Penrith, Western Sydney, Australia. Ben McEachen hosts <a href="https://hope1032.com.au/programs/hope-mornings/">Hope Mornings on Hope 103.2FM</a> in Sydney, Australia.

Should Australia Raise the GST to 15%?

Should small business owners just suck it up when tax changes hit? After listener feedback, Ben McEachen from Hope Mornings and accountant Pete Burrows from Lower Russell and Farr take a fresh look at what working for yourself really costs. Pete shares the tight early years, the unpaid admin nobody sees, and how uncertainty taught him to lean on his faith. You’ll learn how to test a business idea against your current wage, when it’s time to walk away, and why no small business owner should go it alone.

Key Takeaways:
Absorbing Change Without Support: Small business owners often have to absorb tax and policy changes they didn’t ask for, usually without any help to adapt.
Benchmark Against Your Wage: A business idea is worth testing against the salary, leave and entitlements it would replace, not just against whether it sounds good.
The Hidden Workload: Much of running a small business is unpaid work done behind the scenes, from BAS and bookkeeping to paying staff properly.
Know Your Exit Before You Start: A time frame or dollar target for getting out helps owners avoid throwing good money after bad as industries change.
Small Business Can Be Lonely: Mentors, networking groups and contemporaries matter, because owners carry pressures that people on wages rarely see.
Faith in the Lean Seasons: The uncertainty of self-employment can push owners to lean on faith and trust when the bills are due and the money isn’t in yet.

Notable Quotes:
“You need to know your way out of a room when you walk into it.” — Pete Burrows
“It does make you lean a bit on your faith and just trust in the sense that, you know, I don’t know how I’m gonna pay the bills this month.” — Pete Burrows
“The benchmark should be what your job is now.” — Pete Burrows
“You as a small business operator, more than me as an employee, might actually be more painfully, sometimes joyfully aware that you’re not in control as much as you’d like to be.” — Ben McEachen
“Just like in life, you’d probably need more friends than you think you need in business.” — Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Should small business owners just suck it up when tax changes hit? After listener feedback, Ben McEachen from Hope Mornings and accountant Pete Burrows from Lower Russell and Farr take a fresh look at what working for yourself really costs. Pete shares the tight early years, the unpaid admin nobody sees, and how uncertainty taught him to lean on his faith. You&rsquo;ll learn how to test a business idea against your current wage, when it&rsquo;s time to walk away, and why no small business owner should go it alone.
Key Takeaways:
<ul dir="ltr">
<li>Absorbing Change Without Support: Small business owners often have to absorb tax and policy changes they didn&rsquo;t ask for, usually without any help to adapt.</li>
<li>Benchmark Against Your Wage: A business idea is worth testing against the salary, leave and entitlements it would replace, not just against whether it sounds good.</li>
<li>The Hidden Workload: Much of running a small business is unpaid work done behind the scenes, from BAS and bookkeeping to paying staff properly.</li>
<li>Know Your Exit Before You Start: A time frame or dollar target for getting out helps owners avoid throwing good money after bad as industries change.</li>
<li>Small Business Can Be Lonely: Mentors, networking groups and contemporaries matter, because owners carry pressures that people on wages rarely see.</li>
<li>Faith in the Lean Seasons: The uncertainty of self-employment can push owners to lean on faith and trust when the bills are due and the money isn&rsquo;t in yet.</li>
</ul>
Notable Quotes:
<ol dir="ltr">
<li>&ldquo;You need to know your way out of a room when you walk into it.&rdquo; &mdash; Pete Burrows</li>
<li>&ldquo;It does make you lean a bit on your faith and just trust in the sense that, you know, I don&rsquo;t know how I&rsquo;m gonna pay the bills this month.&rdquo; &mdash; Pete Burrows</li>
<li>&ldquo;The benchmark should be what your job is now.&rdquo; &mdash; Pete Burrows</li>
<li>&ldquo;You as a small business operator, more than me as an employee, might actually be more painfully, sometimes joyfully aware that you&rsquo;re not in control as much as you&rsquo;d like to be.&rdquo; &mdash; Ben McEachen</li>
<li>&ldquo;Just like in life, you&rsquo;d probably need more friends than you think you need in business.&rdquo; &mdash; Pete Burrows</li>
</ol>
Got a question, comment or personal story to share? Send it through at <a href="https://hope1032.com.au/show/money/">hopepodcasts.com.au</a>. Ben and Pete will get stuck into it on a future episode.
Pete Burrows is an accountant for small business and individuals with <a href="https://www.lrf.com.au/">Lower Russell and Farr</a> in Penrith, Western Sydney, Australia. Ben McEachen hosts <a href="https://hope1032.com.au/programs/hope-mornings/">Hope Mornings on Hope 103.2FM</a> in Sydney, Australia.

Investing 101 for Christians (Is It Gambling??) - Livestream Pt 1

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