We spend so much time obsessing over our super, property and portfolios, but we often ignore our most valuable asset: our ability to earn. Think of your career not just as a job, but as an asset that requires constant reinvestment. Too many people with big, successful careers are getting caught off guard by restructures or market shifts, sometimes finding themselves unemployed and underprepared for a digital-first job market. So, how do you bulletproof your employability?

In this episode, I chat to Jannine Fraser, who works right at the coalface, helping people navigate career transitions when things go wrong - and how to prepare yourself in case they do. She's the managing director of outplacement firm Directioneering, so it's her job to help people pick up the pieces and re-shape their future.

We cover:
- Why midlife is a high risk time for career stagnation
- How to pivot before the market forces you to
- Practical steps to stay relevant, ready & employable

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If you've ever felt unsure whether financial advice was really built for someone like you, this episode will help you understand the landscape and hopefully feel more confident navigating it.

I chat to Paul Feeney, founder and CEO of Otivo and someone who has spent years inside the advice industry. It’s a refreshingly honest take on where it works, where it falls short, and what everyday Australians can do about it. The reality is that quality personalised advice has historically been more accessible to people with significant assets, leaving many everyday Australians without affordable guidance at the very moment they need it most. We dig into the real difference between information, guidance and advice, because these words get thrown around a lot and they don't mean the same thing. Information educates, guidance helps, and regulated advice is personalised to your exact situation. We also explore the use of AI for advice. These tools are genuinely useful for exploring ideas, stress-testing thinking and preparing smart questions before you see an adviser or call your super fund.

To set up a free Otivo account you can go to www.otivo.com and use the discount code 'Otivo4EpicRetirementor'

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I sit down with regular prime timer Mike Chesworth about the good, the bad & the ugly of downsizing the family home.

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