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Marc Bineham - The Money Sandwich: A Complete Guide to Money, Family and Financial Freedom

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Sandwiched between adult kids and ageing parents, and seeking financial freedom? Take control of your finances today and secure a stress-free future tomorrow.

Managing money can be a major source of stress, especially for members of the Sandwich Generation those in the last decade or two of their working lives and feeling stretched by supporting adult kids on one side, ageing parents on the other and with their own retirement on the horizon.

The Money Sandwich provides practical, easy-to-understand knowledge, tips and action lists on all aspects of financial management for your pre- and post-retirement years.

Youll learn how to:

  • manage debt and take control of your money
  • build a diverse but secure investment portfolio
  • understand superannuation (finally!) and how to optimise it
  • navigate insurance, aged care and estate planning
  • set up your children for a worry-free financial future.
  • Everyone deserves to retire comfortably and on their own terms. Make this the year you take action!

    Marc Bineham, now part of the sandwich generation himself, has had a long career of over 30 years in the financial advice profession. As a Money Coach, Marc continues to help families to get on top of their money worries, manage their money better and live a more fulfilled and balanced life.

    Marc Bineham: author's other books


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    The Money Sandwich A Complete Guide to Money Family and Financial Freedom - image 1
    Table of Contents
    Guide
    Pages
    THE MONEY SANDWICH
    A Complete Guide to Money, Family and Financial Freedom

    MARC BINEHAM

    The Money Sandwich A Complete Guide to Money Family and Financial Freedom - image 2

    This edition first published in 2022 by John Wiley & Sons Australia, Ltd

    42 McDougall St, Milton Qld 4064
    Office also in Melbourne

    The Money Sandwich 2022

    The moral rights of the author have been asserted

    ISBN: 978-1-119-91062-6

    All rights reserved Except as permitted under the Australian Copyright Act - photo 3

    All rights reserved. Except as permitted under the Australian Copyright Act 1968 (for example, a fair dealing for the purposes of study, research, criticism or review), no part of this book may be reproduced, stored in a retrieval system, communicated or transmitted in any form or by any means without prior written permission. All inquiries should be made to the publisher at the address above.

    Cover design by Alex Ross Creative

    Cover image VITTO-STUDIO/Shutterstock.com

    Disclaimer
    The material in this publication is of the nature of general comment only, and does not represent professional advice. It is not intended to provide specific guidance for particular circumstances and it should not be relied on as the basis for any decision to take action or not take action on any matter which it covers. Readers should obtain professional advice where appropriate, before making any such decision. To the maximum extent permitted by law, the author and publisher disclaim all responsibility and liability to any person, arising directly or indirectly from any person taking or not taking action based on the information in this publication.

    To Anne-Maree, Katherine and Jacqui.

    ACKNOWLEDGEMENT OF COUNTRY

    I begin this book by acknowledging the Cammeraygal people, Traditional Custodians of the land on which I have lived and raised my family, and pay my respects to their Elders past and present.

    ACKNOWLEDGEMENT OF CULTURE

    I grew up in Australia in the 1960s and '70s, among children representing a diverse range of cultures. There were those from Italian, Greek and other European migrant families and others of my own proud Chinese heritage. I would like to acknowledge the sacrifices and courage of these families who have helped make Australia the welcoming and diverse country it is today.

    Templates, calculators and other resource material referred to in this book are available to download from The Money Sandwich website:

    Acknowledgements Just a few people to thank as a book is never a one-person - photo 4
    Acknowledgements

    Just a few people to thank as a book is never a one-person effort.

    Thank you to Maree, Julie, Victoria and John for all their input and advice as we are all living in the sandwich generation. My appreciation to Heather Kelly for her incredible editing skills and helpful hints. Thank you to Jaqui Lane and Debbie McInnes for their marketing skills in what's next for this book now published.

    Thank you to my daughter Katherine for all the work she has done on the book; it was a massive effort and is very much appreciated.

    I would like to make special mention of David Brewster, who helped me with this book. I wanted to avoid the number-one mistake of burying the reader in too much financial jargon. Fortuitously, David has had only a small amount of experience with financial advice himself and so was able to question me on assumptions I had made, which helped me change the language to what I believe is far more readable and user-friendly.

    Finally, I would like to thank Lucy Raymond and the Wiley team for all their wonderful help and guidance. I look forward to a great partnership going forward.

    About the author
    Marc Bineham joined the finance profession just over 30 years agomemorably - photo 5

    Marc Bineham joined the finance profession just over 30 years agomemorably coinciding with the 1987 crash of the sharemarket. Despite the timing, he directed his knowledge and energy towards helping his very busy clients to have the best possible chance of reaching their financial and lifestyle goals.

    Marc's light-bulb moment came early in his career when he was working with a couple in their early 60s and not far off retiring. He started the meeting explaining superannuation and its tax benefits, as well as discussing retirement projections. Their response was a simple but poignant comment: Marc, we don't get a second chance to retire. You need to get this right. He was immediately reminded that this conversation was about more than just the numbers. It was about people.

    From that point on, he has never forgotten that financial advice is a people and relationships business. They're still in contact with Marc today, even though he has now retired from financial advising to spend more time helping people as a money and retirement coach, speaker and author.

    Marc is now part of the sandwich generation himself, and he believes people in this age group, along with their young adult children and elderly parents, all deserve a money and finance solution that is easy, affordable and provides continuing coaching for each step of the life journey.

    Marc is a past national president of the Association of Financial Advisers (AFA) and has won numerous awards and recognition for his work. He enjoys speaking both in Australia and overseas on the topic of managing money better, and he sees an ongoing need for this in the community. His simple philosophy boils down to What's money for if not to provide a better life?

    Preface

    After a career working for over 33 years in the financial advice industry, I can say with some confidence that Australians in general don't know enough about money. Some learn the basics of financial management at school, but after that it's pretty much a case of learn as you go. This is not a good recipe for avoiding those keep-you-up-at-night moments that so many people experience at various points in their lives due to stress about money, and especially debt. Unfortunately, disagreements about money are also a significant factor in too many divorces.

    Widespread lack of financial preparedness was demonstrated all too clearly during the COVID-19 pandemic. Many Australians were caught unawares, with many living pay-packet to pay-packet, while others experienced constant debt. Few had enough savings to cover two to three months of expenses. As a result, over 2.6 million Australians made withdrawals from their superannuation savings in order to make ends meet.

    Effective management of money becomes both increasingly important and increasingly complex as you approach retirement age. This only increases stress levels more if you don't feel in control of the situation.

    This book is my attempt to rectify this shortfall in knowledge and to guide members of the sandwich generationthose predominantly in their 40s, 50s and 60sthrough the financial matters that will affect them most in the years leading up to, and then after, their working life winding down. In writing it, I've drawn on the many real-life experiences I've had with my clients over three decades.

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