money money money
Episodes
819 no jobs in my city, inherited home dilemma, sell or keep Perth investment + more
12 May 2025
Contributed by Lukas
In today's community Q&A Glen and John discuss:👉🏾 there are no jobs for me in my city, what do I do?👉🏿 should we sell our Perth invest...
818b wwgd: should I quit my side hustle?
07 May 2025
Contributed by Lukas
In today’s episode Glen chats with James, an engineer and dad who built a meal-planning tool while on parental leave. Now he’s at a crossroads to ...
818 moving to Betashares Direct, super when you die & is a Sydney apartment worth it?
05 May 2025
Contributed by Lukas
In today's Q&A Glen and John discuss:👉🏻 what happens with your superannuation when you pass away?👉 should I move my investing to Betashar...
parental leave lessons on identity, self-trust and priorities with Emily Bowen
02 May 2025
Contributed by Lukas
Today’s bonus episode is from the This is Work podcast, where Shell catches up with former cohost Emily Bowen about what it’s really like to step ...
817b mms: kids and career (parental leave, managing money + reshaping your career)
30 Apr 2025
Contributed by Lukas
In today's episode Glen chats with Genevieve from Sphere Home Loans about her real-life experience of starting and growing a family while navigating c...
817 investing in the company you work for, CHESS vs non-CHESS brokers & money on first dates
28 Apr 2025
Contributed by Lukas
In today's episode Glen and financial adviser Jess Brady from Financially Fierce answer your money questions! They touch on:👉🏿 should you invest...
816b the founder effect: investing in founder-led companies (Tesla, Meta, Amazon + more)
23 Apr 2025
Contributed by Lukas
What do Tesla, Meta and Amazon have in common? They’re founder-led, and that might just be their secret sauce. In this episode Glen chats with au...
816 mortgage broker q&a (construction loans, pay monthly or weekly, offset accounts & 2% deposit scheme + more)
21 Apr 2025
Contributed by Lukas
***This episode was recorded before the election announcements relating to the first home home buyer scheme proposed changes. In today's chat, Rach Kr...
815b super, share markets & what you can do with economist Brian Parker
16 Apr 2025
Contributed by Lukas
***Please note this was recorded on 10 April, 2025.Glen James is joined by Brian Parker, Chief Economist at Australian Retirement Trust, to discuss cu...
815 super is down, a couple’s money health check + US economy drama (+ Glen’s breakup story)
14 Apr 2025
Contributed by Lukas
***Please note this episode was recorded in March, before the current trade war drama. In this episode, Glen and John answer your money questions and ...
814b what does a buyer's agent really do, how much do they cost & red flags to watch for
09 Apr 2025
Contributed by Lukas
Thinking of using a buyer’s agent or advocate to buy your next property? Glen sits down with John Pidgeon to unpack what they actually do, what you ...
814 micro financial strategies, regional property dilemma, self-employed trying to get a mortgage + more
07 Apr 2025
Contributed by Lukas
In today's episode Glen and John share some strategies and answer your questions, touching on:👉🏻 mini-strategies to win with money👉 the worst...
S&P500 & ASX200 tank: what to do with your investments and super
06 Apr 2025
Contributed by Lukas
Stop! Don't panic! I ask you to pause and step back and not do anything out of fear when it comes to investing and your superannuation.Episode on YouT...
813b making a slow career change: juggling parenthood, study & work (Aimee's story)
02 Apr 2025
Contributed by Lukas
In today's episode, Glen chats with Aimee from Skye Wealth, a partner of the show. Aimee’s career journey began in managing a McDonald's restaurant ...
813 I'm 30yo and inherited $850k after my mum passed away
31 Mar 2025
Contributed by Lukas
In today's episode Glen and John dive into a listener’s real-life situation: she’s 30 years old and just inherited $850k after the tragic passing ...
how I got invited as one of the 13 influencers to the Federal Budget: I spill the tea! (YouTube audio)
28 Mar 2025
Contributed by Lukas
Niche & nerdy content warning!!!!Many of you loved the behind the scenes recordings in the second half of the budget episode earlier this week.I c...
812b mms: losing a job in radio, getting spendy on brands + investing for the future (with Mitch Churi)
26 Mar 2025
Contributed by Lukas
Mitch Churi is a radio presenter, podcaster & comedian, and in this chat he shares a little about his life and money with Glen. The chat touches o...
2025-2026 Federal Budget chat (with economist Mike Read) + BTS of the lockup
26 Mar 2025
Contributed by Lukas
Michael Read is the Financial Review's economics correspondent, reporting from the federal press gallery at Parliament House. He was previously an eco...
812 gifting cars & money to adult kids, life insurance & moving OS, upgrade PPOR or invest + more
24 Mar 2025
Contributed by Lukas
Glen and financial adviser Phil Thompson answer your questions! In this chat they touch on:👉🏾 gifting cars to kids vs setting up a loan vs makin...
811b what if you woke up tomorrow and...
19 Mar 2025
Contributed by Lukas
It's easy to spend time wishing you'd done things differently with money. But what if tomorrow you woke up and made the change? How would it change yo...
811 living in flood & bushfire zones, starting a business, paying off investment loans + more
17 Mar 2025
Contributed by Lukas
This episode was recorded before Ex-Tropical Cyclone Alfred, but the content is just as relevant today! Is it worth owning a home in a high-risk area,...
impact to share market on Trump's trade tariffs, how tariffs work + what to do with your portfolio (YouTube audio)
13 Mar 2025
Contributed by Lukas
Trump’s latest trade tariffs are hitting Australian exports, so what does it mean for your portfolio? Glen and Vince break down how tariffs work, wh...
810b deep dive: inside the nab Equity Builder
12 Mar 2025
Contributed by Lukas
In today's deep dive, Glen chats with Philip McCall from nab to unpack the nab equity builder - a unique way to borrow for investing without margin ca...
810 escaping violence, embracing change, no longer living a lie: Mariam's money story
10 Mar 2025
Contributed by Lukas
In today's inspiring episode, Glen sits down with Mariam Mohammed to chat about her journey from Pakistan to Australia, escaping violence and war at 1...
809b campfire chat (aligning money & goals, model portfolios + retirement planning)
05 Mar 2025
Contributed by Lukas
Strap in, today's campfire chat is a banger (and long, so settle in and get comfy!). Glen James, James Millard, and Vince Scully have an unfiltered ch...
809 is being wealthy genetic + growth vs fixed mindset
03 Mar 2025
Contributed by Lukas
Is there such a thing as a wealthy gene? Glen and John unpack this idea, mulling on whether wealth comes from your environment, or is a learned skill....
Glen James speaks with Adam Bandt
27 Feb 2025
Contributed by Lukas
In this bonus episode Glen sits down with Greens leader Adam Bandt for a chat about politics, policy, and the big issues shaping Australia - covering ...
808b Nick’s FIRE journey: quitting work, selling everything & moving to Spain
26 Feb 2025
Contributed by Lukas
Ever dreamed of selling everything and moving overseas? Nick Bradley and his wife Bec did just that. In this episode, Glen chats with Nick, host of th...
808 health, wealth & why modern life is making us sick (with Paul Taylor)
24 Feb 2025
Contributed by Lukas
Is modern life too easy? Paul Taylor thinks so. Paul is a former British naval aircrew officer turned exercise physiologist, nutritionist, and neurosc...
807b mms: buying a first home as a single mum + changing career trajectory (from archaeology to...)
19 Feb 2025
Contributed by Lukas
Emily’s money story is all about big life shifts. She moved back to Perth after a relationship breakdown, became a single mum, and recently bought h...
807 prioritising goals: buy a home or travel + combining shares with partner
17 Feb 2025
Contributed by Lukas
Should you prioritise buying a home or going on a big trip? What’s the best way to invest while saving for a big goal? And if you're in a relationsh...
806b sustainable ways to save money with Lottie Dalziel
12 Feb 2025
Contributed by Lukas
Living sustainably doesn't always mean spending more. In fact, it could save you cash. Glen chats with Lottie Dalziel, the Founder of Banish about eas...
806 retiring early and an honest chat about your financial future
10 Feb 2025
Contributed by Lukas
Retiring early sounds like the dream, but is it all it’s cracked up to be? Glen and John dive into what it really means to retire, why financial fre...
🚨urgent consumer alert: CSLR explained and how it will impact the cost of financial advice🚨
09 Feb 2025
Contributed by Lukas
Our first true crime podcast. If you believe in small business, you won’t believe this story. It’s a bloody runaway train that is going to hit a w...
805b The Glen James Wealth Steps (how to build your financial life step-by-step)
05 Feb 2025
Contributed by Lukas
Want a clear, step-by-step game plan for building wealth and a secure financial future? In today's episode Glen breaks down his Wealth Steps framework...
805 inflation, interest rates, trade, tariffs, housing crisis + more (what does this economist say?)
03 Feb 2025
Contributed by Lukas
Inflation, interest rates, the housing crisis...what’s really going on? Glen sits down with Brian Parker, Chief Economist at Australian Retirement T...
804b mms: Jane is a 51yo single mum to an 8yo and this is her money story
29 Jan 2025
Contributed by Lukas
Jane’s* been part of our community for a while, and today, she’s sharing her money story. At 51, she’s a single mum, a homeowner, and on a missi...
804 stop doing this when it comes to goals + emergency fund refresher
27 Jan 2025
Contributed by Lukas
In today's episode Glen and Jess Brady, host of Financially Fierce chat about why most goal setting fails and what you can do to actually stick to you...
803b we packed up the kids and hit the road: our caravan adventure across Australia
22 Jan 2025
Contributed by Lukas
Ever dreamt of hitting the road and exploring Australia? In today's episode, Glen chats with Retire Right cohost, Martin McGrath who shares how he and...
803 John & Glen got a property together (price, expenses, profit breakdown + more!)
20 Jan 2025
Contributed by Lukas
Today on the show Glen and John spill the tea on their latest venture—a joint purchase of a commercial property. Curious about joint ventures or jus...
802b mms: giving FIFO $$$ the flick for family stability
15 Jan 2025
Contributed by Lukas
In today's my money story episode, Glen chats with long-time listener Jade, who shares his journey from hospitality to casual FIFO work, which he rece...
802 shares vs property: Glen and John go head-to-head
13 Jan 2025
Contributed by Lukas
Let's kick off the new year with the ultimate investing debate: shares or property? Glen and John present their best case and unpack the pros and cons...
801b money, property and investing (with Frances Cook)
08 Jan 2025
Contributed by Lukas
Today’s episode is all about the Kiwis! Glen chats with Francis Cook, a financial journalist from New Zealand, about her money story, transitioning ...
801 how to set your 2025 goals & money habits: it's time to press reset
06 Jan 2025
Contributed by Lukas
Think of today's episode like a guided meditation, but for your finances. Glen takes you through a new year reset to define what success looks like fo...
800b top tips to crush job applications, resumes, cover letters & interviews
01 Jan 2025
Contributed by Lukas
New year, new job? Get ready to level up in 2025! Glen and HR pro Sarah Smith (host of the award-winning Interview Boss podcast) are here to help you ...
753 Trump & Bitcoin in 2025
30 Dec 2024
Contributed by Lukas
In our final episode of 2024 Glen is joined by Nick Bradley, co-author of The Quick Start Guide to Investing and host of This Is Investing. Glen and N...
752b ETFs, why 100% growth isn’t always best, index bubble, what is GARP + more (campfire chat)
25 Dec 2024
Contributed by Lukas
Boxing Day is for the post-Christmas crash and a good ol' investing campfire chat! Joining Glen is Vince Scully from Life Sherpa and Marc Jocum, Produ...
752 your biggest wins of 2024 🎉 (with Dan Ilic)
23 Dec 2024
Contributed by Lukas
Merry Christmas! 🎄 On today's episode Glen is joined by comedian Dan Ilic to celebrate your biggest wins of 2024 - from smashing financial goals to...
751b how do they do it? 👀 investing for the ultra-high net worth (with Scott Fletcher of Woodbury Private)
18 Dec 2024
Contributed by Lukas
In today's episode, Glen sits down with Scott Fletcher, Chief Investment Officer at Woodbury Private, to uncover how advisers help the ultra-wealthy i...
751 success vs. luck, DHHF or GHHF, debt recycling, shiny objects + SMSFs
16 Dec 2024
Contributed by Lukas
Is financial success down to hard work & skill or luck? In today's episode Glen sits down with financial advisers Deline Jacovides from Mazi Wealt...
750b thankful or jealous? here are what people are doing for their work Christmas party
11 Dec 2024
Contributed by Lukas
As the year winds down, workplaces are gearing up to celebrate! In today's episode, Glen and his mate Ben Gleeson share what people in the money money...
750 adviser red flags, finfluencers, financial advice as a career + what would you do with $20k
09 Dec 2024
Contributed by Lukas
In today's episode Glen sits down with financial advisers Nicole Gardner, Hannah Elliot and Bec Pritchard live at the Financial Advice Association of ...
749b mms: career change at 34 - Josh is in the process of moving from construction
04 Dec 2024
Contributed by Lukas
In this my money story, Glen chats with Josh, a 34 year old listener transitioning from construction to financial services. Josh's story touches on se...
749 what to do with $200k, salary packaging & HELP debt, mini property development & inheritances for grandkids
02 Dec 2024
Contributed by Lukas
In today's episode, guest hosts Jess Brady from Financially Fierce and John Pidgeon from this is property answer your questions, covering:👉🏾 Is ...
748b airbnb taxation, CGT exemptions, 6 year rule + money coaching with Erin Davis
27 Nov 2024
Contributed by Lukas
Managing an Airbnb or short-term rental sounds like easy cash, but what about the tax side of things? In this episode, Glen and accountant-turned-mone...
748 vaping, recreational drugs, genetic testing + more (life insurance Q&A)
25 Nov 2024
Contributed by Lukas
Let's talk life insurance! Financial adviser Phil Thompson from Skye Wealth joins Glen on this episode to answer all your spicy questions including:👉...
747b wwgd: Jane's Nan has offered $90k to help buy a property
20 Nov 2024
Contributed by Lukas
In today’s episode Glen chats with Jane* about her financial, career, and living situation, exploring the exciting options ahead. From a potential c...
747 potential HELP debt changes, choosing the best super fund, ETFs inside super + the life insurance in super scandal
18 Nov 2024
Contributed by Lukas
In today's episode Glen and Vince Scully from Life Sherpa discuss:👉🏿 proposed Government changes to reduce student loans👉🏻 choosing the be...
746b mortgage broker Q&A (turning your PPOR into an investment, renovation loans, kids & borrowing capacity + more)
13 Nov 2024
Contributed by Lukas
In today's chat, Rachelle Kroon from Sphere Home Loans joins Glen to answer all your questions touching on:👉🏾 benefit of using a broker vs direc...
746 financial gifts in Australia, making your house an investment property, brokerage account fees + active vs passive
11 Nov 2024
Contributed by Lukas
In today's Q&A Glen and John talk about:👉🏻 are flights to check on your investment property tax deductible?👉 financial implications for t...
745b buying my first home or investment property (clarity call with Tayla)
06 Nov 2024
Contributed by Lukas
Tayla is 27 and wants to know what it will take to purchase her first home on the NSW Central Coast. In this live clarity call, John Pidgeon from this...
745 the $1 rule, and 43 other easy ways to be better with money
04 Nov 2024
Contributed by Lukas
Improving your money doesn't have to be complicated! In this episode Glen and Lucy Dean, wealth reporter at the Australian Financial Review, share a t...
744b wwgd: Megan is 27, newly married and wants career guidance + a financial health check
30 Oct 2024
Contributed by Lukas
In this episode of "what would Glen do", Megan asks for a review of her finances to know if she's on the right track and some advice on her next caree...
744 a lazy financial plan, trying to sell an unusual home, those who can’t be helped + offset accounts gone wrong
28 Oct 2024
Contributed by Lukas
In today's Q&A Glen and John discuss:👉🏾 should you market your home to a specific demographic?👉🏿 tips for vetting a listing agent to s...
743b secure an off the plan apartment with just $10k (developer Q&A with Third.i)
23 Oct 2024
Contributed by Lukas
In today's episode Glen chats with Luke Berry from property development company Third.i about how homebuyers can get into the market sooner using a pl...
742b what your clothes REALLY cost according to the Ethical Fashion Report
16 Oct 2024
Contributed by Lukas
In this episode, Glen chats with Gina Snodgrass and Kat Halliday from Baptist World Aid about the 2024 Ethical Fashion Report. They dive into the rise...
742 renovate or sell inherited property + fair mortgage splits in relationships
14 Oct 2024
Contributed by Lukas
In today's Q&A, Glen and financial adviser James Millard from Sufficient Funds dive into the complexities of inheriting an uninhabitable property ...
741b money & mental health with media personality Nick Bracks
09 Oct 2024
Contributed by Lukas
In today's episode Glen sits down with Nick Bracks—author, podcaster, and mental health advocate. They explore Nick's journey from growing up in the...
741 market cycles, investment bonds, how to save money on A/C installations, growth vs dividend investing + more
07 Oct 2024
Contributed by Lukas
In today's Q&A, Glen and financial adviser James Millard talk about:👉🏿 how are capital gains taxed on investment bonds?👉🏻 what part of...
740b buyer's advocate Q&A (cost vs benefit, first homebuyers, off-market deals + more)
02 Oct 2024
Contributed by Lukas
In today's episode, Glen chats with Emily Wallace and John Pidgeon, hosts of this is property, to dive into the world of buyer’s advocates. Outside ...
740 why you shouldn’t buy your first home to live in* + Glen got a credit card 😲 WHAT!
30 Sep 2024
Contributed by Lukas
Today's episode is SPICY! Is buying your first home to live in achievable or worth it anymore? And the shocker—Glen got a credit card! Is he finally...
739b superannuation, property & housing (campfire chat)
25 Sep 2024
Contributed by Lukas
In today's campfire chat Glen, John & Vince sit down for a candid conversation about superannuation and housing. They dive into how super stacks u...
739 confusing financial advice, helping parents in retirement, inheritance: mortgage, super, or invest + more
23 Sep 2024
Contributed by Lukas
'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbvIn today's episode Glen, John and Vinc...
738b ethical investing (greenwashing, climate reporting, carbon offsets + more)
18 Sep 2024
Contributed by Lukas
'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbvIn today's episode Glen chats with Eri...
738 a super chat (how to choose a fund, asset allocation, super comparisons + how much should you have in your super?)
16 Sep 2024
Contributed by Lukas
'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbvIn this episode, Glen and Vince Scully...
737b most Aussies won't ever complete these 4 stages of wealth
11 Sep 2024
Contributed by Lukas
In today's episode Glen breaks down the practical steps to becoming and feeling financially free, walking through 4 stages of wealth. This episode is ...
737 the money wake up call you didn’t want to receive
09 Sep 2024
Contributed by Lukas
'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbvIn this episode, Glen and John tackle ...
736b mms: Vanessa on career, remote work, mentoring, building a business and study as a working mum
04 Sep 2024
Contributed by Lukas
In today's episode Glen interviews strategic communicator Vanessa Liell whose passion for affecting positive change through communication has led her ...
736 tips to be financially successful
02 Sep 2024
Contributed by Lukas
Last week we talked about the bad financial advice you should avoid - well this week we're sharing the good money tips for being financially successfu...
735b grit or quit? how to know when to stick out your job or leave
28 Aug 2024
Contributed by Lukas
How do you know whether to quit your job or grit your teeth and stick it out? Glen joined Shell on this is work to unpack what to do if you're at a ca...
735 MAGA (Make Advice Great Again) bad money advice
26 Aug 2024
Contributed by Lukas
'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbvWhat's the worst piece of money advice...
734b economic update (inflation, housing, investing, interest rates)
21 Aug 2024
Contributed by Lukas
'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbvIn today's episode Glen and special gu...
734 what to do when all options are good (shares, super, property + more)
19 Aug 2024
Contributed by Lukas
'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbvProperty or shares? Invest inside or o...
733b what does a money coach do + the psychology of money
14 Aug 2024
Contributed by Lukas
'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbvFinancial advisers and financial couns...
733 superannuation beneficiaries, what if there is another GFC & what to do with a financial windfall
12 Aug 2024
Contributed by Lukas
'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbvIn today's episode Glen & financia...
732b share market update, Magnificent 7 + how to value an individual share
07 Aug 2024
Contributed by Lukas
'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbvIn today's episode Glen and host of th...
732 employee share plans, impulsive spending, finding purpose in work & life + more
05 Aug 2024
Contributed by Lukas
Glen's latest book 'The Quick Start-Guide to Investing' is available here: https://amzn.to/3QNNrbvIn today's episode Glen and financial adviser ...
learn how to invest simpler, smarter & sooner: The Quick-Start Guide to Investing
02 Aug 2024
Contributed by Lukas
'The Quick Start-Guide to Investing' by Glen James & Nick Bradley is available here: https://amzn.to/3QNNrbvIn today's episode, Glen and Nic...
731b first home buyer Q&A with a mortgage broker (buy now or wait, LMI, self-employed, HELP debt, rentvesting + more)
31 Jul 2024
Contributed by Lukas
Glen's latest book 'The Quick Start-Guide to Investing' is available here: https://amzn.to/3QNNrbvIf getting into the property market is something you...
731 investing bootcamp with drill sergeant Glenny J
29 Jul 2024
Contributed by Lukas
Glen's latest book 'The Quick Start-Guide to Investing' is available here: https://amzn.to/3QNNrbvSo you want to invest like a pro, soldier? Here are ...
730b Laura Henshaw on money, business, body image and building Kic wellness app
24 Jul 2024
Contributed by Lukas
In today's episode special guest Laura Henshaw, co-founder and CEO of Kic App shares her story around money, learnings from her career & business ...
730 interest rates & inflation, emergency funds & offset accounts, First Home Super Saver (FHSS) + more
22 Jul 2024
Contributed by Lukas
In today's Q&A Glen, John from this is property and Vince Scully from Life Sherpa chat about:👉🏾 are interest rates expected to increase?👉...
729b inheritances & the intergenerational wealth transfer
17 Jul 2024
Contributed by Lukas
Over the coming decades, almost $5 trillion in assets is expected to be passed down from the Baby Boomer generation to younger Aussies. That's a lot o...
729 seeding kid’s super, pocket money, credit card vs. charge card and impact on credit score + more
15 Jul 2024
Contributed by Lukas
When's the right time to give your kid pocket money? Glen talks about this plus more with guest co-host & financial adviser Rebecca Pritchard. The...
728b mms: managing money as a single dad & life after separation
10 Jul 2024
Contributed by Lukas
In today's my money episode Glen chats with Andy in our community. ⚠️ CW: This episode touches on suicide. If you are experiencing any issues in r...
728 how to choose an ETF, VDHG vs DHHF, change mortgage to a 15 year term? + more
08 Jul 2024
Contributed by Lukas
What would you do with $10,000 if it dropped into your lap tomorrow? Glen and Jess Brady from Financially Fierce chat about this plus investing in ETF...
727b strata 101 (levies, strata title, by-laws, joining the committee, choosing a manager + more)
03 Jul 2024
Contributed by Lukas
If you're looking at buying an apartment or into a complex, it's probably part of a strata scheme. So what actually is strata? John from this is prope...
727 changes from 1 July, what to do with your tax refund, career changes, is private health insurance worth it + more
01 Jul 2024
Contributed by Lukas
Happy new financial year! Why not take this as an opportunity to do a money audit? In today's episode special guest Kate Campbell, author of Buying Ha...
726b the cost of a coffee
26 Jun 2024
Contributed by Lukas
Coffee costs have been making headlines so we thought we'd bring in some industry professionals to shed some light on just how much it costs to make a...
726 interest rates biting hard, ending a rental agreement early, buying a 1-bedroom apartment + a little more
24 Jun 2024
Contributed by Lukas
In today's episode Glen and John discuss questions about selling an investment property that's tenanted, breaking lease on a rental after buying a fir...