Hayden Smith

speaker

1,221 appearances 4 recordings 1 series first heard Jul 2026 last heard 10 Aug

Hayden Smith’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 4 in all, peaking in Jul 2026 with 3.

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Australian Finance Podcast · Six things we've learnt about money with Pearler's Hayden Smith · 27 Jul 2026 podcast

I didn't realize that when I'd start thinking about debt recycling, I was essentially having a conversation about tax.

I didn't realize that when I was looking at investment properties, well, I haven't bought one, but when I just ponder about it, I'm thinking about tax.

I wouldn't think about...

if I was going to buy an investment property that what the government is postulating about negative gearing and stuff's about tax, you know, I wouldn't have thought that the decision to move out of income ETFs and into growth ETFs depends on your income, which is like about tax, you know?

I've just kind of been shocked by that.

I didn't, I just woke up a couple of years ago and realized that

I was talking about it like multiple times a week to different people.

Yeah.

It's just a big part of things.

And I think it's helpful if we can educate people because when they talk about taxes for young people, they're often talking about how to do your taxes.

Yeah.

That's like how it comes up.

But it's like, no, there's a lot of things you can do to, you know, not do something that creates penal outcomes for you when it comes to tax.

Most basic example I share is lots of friends earning like one 50 K kind of thing.

Um,

And they'll say to me, oh, my savings account is getting me 5% interest right now.

And I go, oh, you mean three?

And they go, what?

And I'm like, well, 3% because you paid marginal tax on that.

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