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The Rodney Bull Show

The Rodney Bull Show

Von: Rodney Bull
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 The Rodney Bull Show is a financial education podcast exposing misleading money advice and teaching practical wealth-building strategies for everyday people. Built for hard-working Australians and global listeners, the show focuses on financial literacy, money mindset, asset education, and financial freedom. Each week, Rodney Bull shares straightforward conversations that cut through banking myths, debt traps, and outdated saving rules to help listeners take control of their finances and build long-term wealth.Rodney Bull
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  • Is Paying Off Your Mortgage Still the Dream? The Truth About Mortgages, Debt & Building Wealth

    Is Paying Off Your Mortgage Still the Dream? The Truth About Mortgages, Debt & Building Wealth
    Nov 13 2026

    Is being mortgage-free still the ultimate financial goal, or is it time to rethink how we approach homeownership and debt?


    In this episode, my guest Michael Newmann and I take a closer look at the realities of today's mortgage market, why homeownership is becoming harder to achieve, and what borrowers often overlook when choosing a loan. With mortgage payments stretching across decades, understanding where your money actually goes is just as important as securing a competitive interest rate.


    We break down how a 30-year mortgage works, why the early years are heavily weighted towards interest, and how the right financial strategy can make a difference over time. We also explore the difference between productive debt and bad debt, how banks use deposited money to generate returns, and why borrowers need to understand their mortgage beyond the monthly repayment.


    The conversation challenges borrowers to ask better questions, think strategically, and take a more active role in their financial decisions. Because getting a mortgage isn't just about buying a home. It's about understanding the long-term impact on your financial future.


    In this episode, we discuss:

    • Why the traditional goal of becoming mortgage-free may need a rethink

    • The challenges facing first-home buyers and why entering the property market is becoming harder

    • Why borrowers often focus on monthly payments and interest rates instead of the total cost of their mortgage

    • How a 30-year mortgage is amortized and why the early years are interest-heavy

    • Why credit card and vehicle debt should be prioritised

    • How mortgage debt can be viewed differently from other forms of debt


    The goal isn't simply to borrow money or pay it off as quickly as possible. It's to understand the numbers, know your options, and make decisions that support your bigger financial picture.


    If you found value in this conversation, share the episode, give it a like, subscribe to the show, and leave a review. Every bit of support helps us keep bringing important financial conversations to more people.


    Michael Newmann is a 20-year mortgage professional and current Branch Manager at CMG Home Loans in Medford, Oregon. His work sits at the intersection of smart lending strategy and real human connection; because financing a home isn’t just about numbers, it’s about people’s lives.


    https://www.cmgfi.com/team/The-Newmann-Group



    Follow The Rodney Bull Show:

    Website: https://therodneybullshow.com

    Instagram: https://www.instagram.com/therodneybullshow/

    Facebook: https://www.facebook.com/profile.php?id=61586955773218

    PodMatch: https://www.podmatch.com/hostdetailpreview/17689608734016028cb2110d2

    YouTube: https://www.youtube.com/@TheRodneyBullShow
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    1 Std. und 33 Min.
  • You Know About Money, But Do You Know How to Use It? | Steve Bernstein

    You Know About Money, But Do You Know How to Use It? | Steve Bernstein
    Nov 6 2026
    Knowing about money is important, but knowing what to do with it is what really changes your financial future.In Part 2 of The Rodney Bull Show conversation, Steve Bernstein continues exploring why financial education needs to go beyond memorizing financial terms. Real financial capability comes from understanding how money works, developing better habits, and having the confidence to make informed decisions.Steve discusses the importance of introducing financial education in schools, from teaching younger students the foundations of money to helping high-school students understand spending, saving, investing, and the financial decisions they’ll face when choosing between university, trade school, or entering the workforce.The conversation also gets practical with money management. Steve explains why paying yourself first, keeping everyday spending separate from emergency savings, and maintaining accessible funds are important foundations before putting excess money into investments. He highlights that having the highest possible return isn't everything, you also need to be able to access your money when life happens.Rodney and Steve also explore the growing role of artificial intelligence in finance. From making information easier to access to supporting small-business decisions, AI has plenty of potential. But Steve stresses that technology cannot replace financial understanding, personal responsibility, or the ability to assess whether a strategy actually fits your goals.They also discuss the financial education gap across generations, the challenges families face when transferring wealth, and why education should reach people at every stage of life.Financial behaviour matters: Your financial decisions and habits can have a greater impact than income alone.Pay yourself first: Build the habit of setting money aside before spending on everything else.Start financial education early: Schools can help students develop practical money skills at every stage of their education.Prepare for life after school: Understanding the costs of university, trade school, and entering the workforce can lead to better decisions.Separate your money: Keep everyday operating funds separate from emergency savings.Keep emergency funds accessible: Investments such as gold may take time to liquidate, so immediate expenses require readily available funds.Invest with understanding: Learn about the companies and assets you invest in so you can recognise important changes and make informed decisions.Use AI thoughtfully: AI can make financial information more accessible, but its recommendations still need to be reviewed against your own goals and circumstances.Technology isn't a replacement for financial capability: Tools can support decisions, but they cannot replace understanding and sound judgement.Prepare the next generation: Passing on wealth without financial education can leave family members unprepared to manage it.Move from literacy to capability: The real goal is turning financial knowledge into confident, practical action.Steve Bernstein spent approximately 30 years in banking before leaving the industry to focus on financial education. He founded Compounding Effect to help families, individuals, and small businesses build practical financial capability.The Compounding Effect: https://thecompoundingeffect.orghttps://www.youtube.com/@The-Compounding-Effecthttps://www.instagram.com/the.compounding.effect/https://www.linkedin.com/in/stevebernstein13/Connect with The Rodney Bull ShowWebsite: https://therodneybullshow.comInstagram: https://www.instagram.com/therodneybullshow/Facebook: https://www.facebook.com/profile.php?id=61586955773218PodMatch: https://www.podmatch.com/hostdetailpreview/17689608734016028cb2110d2YouTube: https://www.youtube.com/@TheRodneyBullShow
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    55 Min.
  • Financial Literacy Isn’t Enough: Building Real Financial Capability with Steve Bernstein

    Financial Literacy Isn’t Enough: Building Real Financial Capability with Steve Bernstein
    Oct 30 2026

    Knowing the basics of money is one thing. Knowing how to apply them to everyday decisions is what makes the difference.


    In this episode of The Rodney Bull Show, Steve Bernstein shares the thinking behind The Compounding Effect, an initiative focused on helping families and small businesses build practical financial capability. After around 30 years in banking, Steve stepped away from the industry to focus on financial education and help people make more informed decisions about their money.


    Steve explains why financial literacy alone isn’t enough. Understanding budgets, credit, taxes, and savings only matters when that knowledge translates into real-world action. He also explores how everyday financial behaviours really shape long-term outcomes, regardless of how much someone earns.


    Steve discusses money as a tool that allows us to exchange value, reach our goals, and create opportunities. He also shares thoughts on inflation, purchasing power, emergency savings, and the importance of making savings work toward longer-term goals once you have a suitable financial safety net.


    Finally, Steve introduces The Compounding Effect’s approach to making financial education more accessible through flexible learning options designed for families and small businesses.


    This conversation continues in the next episode, where Rodney and Steve plan to explore more topics around financial education and capability.


    • Financial literacy versus financial capability: Knowing financial terms isn’t enough; you need to apply that knowledge to real decisions.

    • Everyday behaviour matters: How you manage the timing and direction of your money can be just as important as how much you earn.

    • Face financial challenges directly: Seeking support and replacing harmful habits can help you work toward better outcomes.

    • Build an emergency fund: Steve discusses keeping around six months of emergency savings to help manage major life disruptions.

    • Understand purchasing power: Inflation can reduce the value of money over time, making it important to understand how savings and assets serve different purposes.

    • Choose financial products based on your needs: Banking products should match your goals and circumstances, not simply a sales target.

    • Support small businesses: Smaller businesses need access to practical financial guidance and resources.

    • Protect your ability to help others: Taking care of your own financial position can help you maintain the capacity to support others.


    About Steve Bernstein


    Steve Bernstein spent approximately 30 years in banking before leaving the industry to focus on financial education. He launched The Compounding Effect to help families and communities move beyond understanding financial concepts and toward applying them in everyday life.


    His approach centers on practical financial capability, informed decision-making, and making education accessible to families and small businesses through different learning formats.


    https://www.youtube.com/@The-Compounding-Effect

    https://www.instagram.com/the.compounding.effect/

    https://www.linkedin.com/in/stevebernstein13/



    Connect with The Rodney Bull Show

    Website: https://therodneybullshow.com

    Instagram: https://www.instagram.com/therodneybullshow/

    Facebook: https://www.facebook.com/profile.php?id=61586955773218

    PodMatch: https://www.podmatch.com/hostdetailpreview/17689608734016028cb2110d2

    YouTube: https://www.youtube.com/@TheRodneyBullShow
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    1 Std. und 4 Min.
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