As human beings we share a commonality. We are all born into the financial system in which we live. On a daily basis we make decisions on how we earn, spend, save, invest and give away our money as well as how willing we are to get into debt. Welcome to Looking Under the Hood – a podcast all about helping you to unpacking money so you can move towards financial freedom. I’m Scott Malcolm, I’ve always been curious to understand how things work. When I was a kid there was that one time, I pulled apart our family toaster to see how it worked – sorry again Mum and Dad! When I became a financial planner – fresh out of Uni in 2000 I had the same desire to get a deep understanding of the money stuff and how to make it work for you. What I have learnt and seen working with clients is that the Money stuff is no different. If you have an understanding of how the system works and how you relate to it, you can empower yourself for a better financial future. The aim of this podcast is to give you money insights as we ‘look under the hood’ and unpack how the financial system works, and provide some stories around clients situations I have worked with over the last few decades to give you greater understanding of you and the money in your life.