Total Money Management

Total Money Management Steve Moriarty is a seasoned investor with over 20 years of experience, transitioning to full-time investing in 2006. Hi, I'm Tom.

We help people build a stock market investment strategy by teaching tested, evidence based principles

🧠25 years stock market experience
🎙️Top 30 ranked podcast
👥1750+ investors helped
Not advice, education. With a background spanning executive roles in both private and public sectors, Steve brings a wealth of 40 years of diverse experience. Jacob Senior, an accomplished investor with 10 years of

experience, specialises in technical analysis and the 3 Wells strategies. Jacob is a seasoned investor, hosting the Total Money Management podcast alongside Steve and Tom where he shares valuable insights with all things business, cryptocurrency and investing. Since 2015, I've been making investing simple for other people, blending value based principles with technical analysis. Mentored by Steve over the best part of 10 years, I aim to make investing straightforward. Join me on this journey to simplify finance. Feel free to reach out, i'm happy to answer any questions.

Things that make you go hmmm.....Markets looking extremely bubbly.
01/06/2026

Things that make you go hmmm.....Markets looking extremely bubbly.

Older people have become a large share of the property market as they buy up properties for investment. This is one of t...
29/05/2026

Older people have become a large share of the property market as they buy up properties for investment. This is one of the reason why the government had to act. It is essentially older people locking out young people with more buying power thanks to the collateral of their existing property. Baby Boomers outbidding their children. Unbelievable.

28/05/2026

As rents rise and interest rates climb, who will yield? Many landlords are considering selling at a loss rather than forcing renters to pay more, potentially leading to unexpected market shifts.

When the Equity Risk Premium falls below zero, it means that stock market investors who are generally seeking higher ret...
28/05/2026

When the Equity Risk Premium falls below zero, it means that stock market investors who are generally seeking higher returns because stocks are risky, are increasing their risk and ignoring a safe return from bonds (if held to duration). As they say "this wont end well".

27/05/2026

Australia's new budget introduces a $250 tax offset for young people, a move framed as shifting wealth from the rich to workers. While intended to help with living costs like rent and fuel, questions remain about its impact on inflation. The budget also focuses on property and capital gains tax, with future success hinging on immigration levels. Education only. Not financial advice. AFSL 568642

Margin debt remains very high as US investors pile into the market.
27/05/2026

Margin debt remains very high as US investors pile into the market.

The US dividend is now at an all time low. Investors looking for the capital gains as a source of returns are playing wi...
26/05/2026

The US dividend is now at an all time low. Investors looking for the capital gains as a source of returns are playing with fire.

26/05/2026

With just over 12 months until a potential property offload, many are reassessing their numbers with accountants. The market plays a role, but it's not a lottery. You need to analyze capital gains versus losses, especially with negative gearing. Losing money annually hoping for capital gain is risky if it doesn't materialize. Property is often seen as low risk, but is it? Everyone's obsessed with wealth building because many struggle, leading to heavy borrowing for property. Education only. Not financial advice. AFSL 568642

Everyone's watching NVDA beat estimates by 32%.Nobody's talking about the fact that mega-cap tech free cash flow is fall...
26/05/2026

Everyone's watching NVDA beat estimates by 32%.

Nobody's talking about the fact that mega-cap tech free cash flow is falling back to 2020 levels while they spend a trillion dollars building infrastructure.

Infrastructure that needs copper. Steel. Rare earths.

The AI trade isn't a software story. It never was.
While the crowd piles into Mag 7, the smarter money is looking at what AI actually runs on.

Commodities. Structurally undersupplied. Real mining capex down 40% since 2012. Global M2 running hot.

The setup is hiding in plain sight.
Swipe through our market wrap to see what we're watching this week.

Seems like investors might have got the message.
26/05/2026

Seems like investors might have got the message.

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