<p>Everyone wants passive income but <strong>when</strong> should it actually be the goal, and <strong>what really works</strong> once you get there?</p><br><p>Bryce and Ren sit down with their trusted adviser <strong>Matt Ingram (Northhaven Financial Management)</strong> to cut through the hype. From dividend ETFs to bonds, covered calls, private credit and property, Matt explains how advisers <em>actually</em> think about income.</p><br><p>In this episode:</p><p><strong>00:33</strong> Passive income: why everyone wants it</p><p><strong>02:07</strong> Balancing the <em>right</em> goal and timing</p><p><strong>09:07</strong> The VHY debate: dividends now vs growth first</p><p><strong>12:10</strong> Ranking income options: cash, bonds, covered calls &amp; private credit</p><p><strong>27:07</strong> Property as “income”: the yield illusion</p><p><strong>29:41</strong> Building an income portfolio, tax realities &amp; advice for 20s–40s</p><br><p>📈&nbsp;<strong>Mentioned in this episode: </strong></p><p>Vanguard Australian Shares High Yield ETF - VHY</p><p>First Trust Smith Opportunistic Fixed Income ETF - FIXD</p><p>Betashares Australian Composite Bond ETF - OZBD</p><p>iShares Core Composite Bond ETF - IAF</p><p>Betashares Australian Investment Grade Corp Bd ETF - CRED</p><br><p>Win a $500&nbsp;Visa Digital eGift Card&nbsp;by completing the&nbsp;2026&nbsp;Equity Mates Media Community Survey! The Community Survey helps us understand how we can continue to improve our content to help you on your money and investing journey.&nbsp;You can either complete the five compulsory questions, or take 10 minutes to give us a bit more feedback:&nbsp;<a href="https://www.surveymonkey.com/r/WRWDVTV" rel="noopener noreferrer" target="_blank">https://www.surveymonkey.com/r/WRWDVTV</a>&nbsp;</p><br><p>———</p><p>Want to get involved in the podcast? Record a&nbsp;<a href="https://tinyurl.com/4uw5f58j" rel="noopener noreferrer" target="_blank">voice note</a>&nbsp;or&nbsp;<a href="https://tinyurl.com/2hyfsrw7" rel="noopener noreferrer" target="_blank">send us a message</a>&nbsp;</p><p>And come and join the conversation in the Equity Mates&nbsp;<a href="https://tinyurl.com/bdessc3v" rel="noopener noreferrer" target="_blank">Facebook Discussion Group</a>.</p><br><p>———</p><br><p>Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.</p><p>Keep up with the news moving markets with our&nbsp;<a href="https://tinyurl.com/2saau2ky" rel="noopener noreferrer" target="_blank">daily newsletter</a>&nbsp;and podcast (<a href="https://tinyurl.com/yxm3mm2c" rel="noopener noreferrer" target="_blank">Apple</a>&nbsp;|&nbsp;<a href="https://tinyurl.com/299dedpd" rel="noopener noreferrer" target="_blank">Spotify</a>)</p><br><p>———</p><br><p>Looking for some of our favourite research tools?</p><ul><li>Download our free&nbsp;<a href="https://tinyurl.com/7k2z7ebx" rel="noopener noreferrer" target="_blank">Basics of ETF handbook</a></li><li>Or our free&nbsp;<a href="https://tinyurl.com/4zjkm3pt" rel="noopener noreferrer" target="_blank">4-step stock checklist</a></li><li>Find company information on&nbsp;<a href="https://www.tikr.com/?ref=equitymates" rel="noopener noreferrer" target="_blank">TIKR</a></li><li>Screen the market with&nbsp;<a href="https://tinyurl.com/499y9d2f" rel="noopener noreferrer" target="_blank">GuruFocus</a></li><li>Track your portfolio with&nbsp;<a href="https://tinyurl.com/28p4jukb" rel="noopener noreferrer" target="_blank">Sharesight</a></li></ul><p><br></p><p>———</p><br><p>In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.&nbsp;</p><br><p>———</p><br><p>Equity Mates Investing is a product of Equity Mates Media.&nbsp;</p><p>This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial&nbsp;</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>