Together, they unpack Jess’s powerful framework: the four stages of wealth — and what you should actually focus on at each stage.

They cover:

– Why money feels overwhelming (and why you’re probably not the problem)

– The four stages of wealth: Sprouted, Grounded, Thriving and Abundant– Why trying to “skip stages” slows your progress

– The biggest mistakes people make at each stage

– How to identify where you are right now

– The number one “weed” sabotaging most people’s progress

If you like this Australian Finance Podcast episode on building wealth in stages, you'll love our series. Don't forget to subscribe for weekly shows on Apple (hyperlinked with this https://podcasts.apple.com/au/podcast/australian-finance-podcast/id1454193127), Spotify (hyperlinked with this https://open.spotify.com/show/0KEsqdQgVCL6BKomPoNVOz), YouTube (hyperlinked with this https://www.youtube.com/channel/UCvOPFdkhCBIK2Y5QbDtOZXA), or wherever you get your podcasts!

Follow us on Instagram (hyperlinked with this https://www.instagram.com/rask.invest/) and TikTok (hyperlinked with this https://www.tiktok.com/@rask.invest) for more investing insights.

Topics Covered

– Why Does Money Feel So Hard?

– “Am I the Problem?” (The Hot Iron Theory)

– The Gardening Framework for Wealth

– The Four Stages of Wealth Explained

– Stage 1: Sprouted

– Financial Mindfulness

– Stage 2: Grounded

– Financial Security

– Stage 3: Thriving

– Financial Independence

– Stage 4: Abundant

– Financial Freedom

– What Happens When You Skip Stages

– Common Money “Weeds” That Stall Progress

– How to Identify Your Stage Honestly

– How Long You Should Spend Managing Your Money Each Week

– Matching Your Money Actions to Your Stage

Resources for this episode

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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With her new book Dare to Be Wealthy hitting shelves, Mel and Gemma dive into some of the biggest mindset blocks, money myths and systemic challenges holding people back – especially women – from feeling in control of their financial lives.

From redefining wealth, to unpacking the hidden costs of traditional success, to rethinking how we talk about investing, debt and progress – this is a conversation packed with big questions and honest answers.

Topics Covered

– What inspired Mel’s new book Dare to Be Wealthy and how it differs from her earlier work

– Why “wealth” is such a loaded word and how language around money shapes our beliefs

– The difference between being “rich” and being “wealthy”

– Why terms like “aggressive” in investing can be unhelpful or misunderstood

– A new framework for thinking about debt

– beyond “good” vs “bad”

– How systems around us (like tax, housing, and gendered expectations) work against financial progress

– What individuals can actually do to counter those systems and make change

– The emotional side of money: what happens when you tick the “invisible checklist” and still feel stuck

– Mel’s three types of success

– and why recognising them can change everything

– Advice for anyone feeling behind, stuck, or disconnected from their financial future

Resources for this episode

📄 Explore more:

– Buy Dare to Be Wealthy by Mel Browne

– Booktopia or Amazon

– Mel Browne’s website: https://www.melbrowne.com.au

– Previous episodes with Mel: Search "Mel Browne" in The Australian Finance Podcast archives

– Ask a question for the podcast: https://bit.ly/R-quest

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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We cover what it really means to be an executor of an estate, how to think through first home and property decisions as a couple, and how investors at different stages can make more confident choices without feeling out of their depth.

Owen and Gemma cover:

- Where to start when you’re named executor of an estate, what your responsibilities actually are, whether there’s a government checklist, and when to involve lawyers and other professionals

- The pros and cons of keeping an existing apartment as an investment versus selling it to reduce debt on a new home, including tax considerations over the next few years

- Where to seek personal advice on property, tax and structuring decisions when things move beyond general education

- How to make a meaningful financial contribution in a relationship where one partner has significantly more investing experience, and how confidence, behaviour and consistency often matter more than technical knowledge

- ETF investing considerations for someone mortgage-free in their mid-50s with a 10–20 year time horizon, medium-high risk tolerance, and high marginal tax on cash savings

If you enjoyed this episode of The Australian Finance Podcast, make sure you hit follow on Apple Podcasts, Spotify, YouTube, or wherever you listen.And if you’ve got a money question you’d like us to unpack in a future Q&A, send it through using the link in the show notes.

Resources for this episode

- Sign up for the newsletter

- Sign up for Rask Core

- Buy Gemma’s book The Money Reset

- Ask a question (select the Finance podcast)

Show partner resources

- Join Pearler using code “RASK” for $15 of Pearler Credit

- Get 50% off your first two months using PocketSmith

- View Betashares range of funds

Rask resources

- All services

- Financial Planning

- Invest with us

- Access Show Notes

- Ask a question

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

#finance #asx

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• Is FIRE still achievable in Australia in 2026?
• Why FIRE feels harder now — and why it’s not impossible
• How Dave would rebuild financial independence from $0 today
• The role of income: penalty rates, night shifts and FIFO work
• Why earning more matters more than saving harder
• Property vs shares in a modern FIRE strategy
• When leverage helps — and when it delays freedom
• Why asset choice matters after you stop working
• How low-yield property portfolios trap people in work
• The emotional fear of stepping back from a career
• Why people keep moving the goalposts after reaching FI
• Relentless saver syndrome and delayed gratification burnout
• The ego behind assets and net worth milestones
• Why “enough” is psychologically harder than getting rich
• How to create an anti-anxiety financial plan
• Semi-retirement as a risk-management strategy
• How flexibility and part-time work protect your portfolio
• Designing a freedom-focused lifestyle, not just retirement
• Finding meaning and purpose beyond full-time work
• Why time — not money — is the real asset
• Learning how to actually enjoy your wealth

Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith

View Betashares full range of funds – https://bit.ly/beta-25Rask resources

Explore all Rask services – https://bit.ly/R-services

Learn about Rask Financial Planning – https://bit.ly/R-plan

Start investing with Rask – https://bit.ly/R-invest

Access Show Notes – https://bit.ly/R-notes

Ask a question – just select the Finance Podcast – https://bit.ly/R-quest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg

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This week we unpack how to think about private school costs, who to speak to when planning a major renovation, what happens with kids’ investing accounts as they grow up, and how to weigh up mortgage progress versus super contributions.

Owen and Gemma cover:

• Whether it’s reasonable to feel uneasy about private school fees given they can’t be trialled, refunded, or easily reversed, and how to think about the financial and emotional trade-offs

• Who to speak to when planning a large renovation, what role mortgage brokers, lenders, accountants and financial advisers each play, and how renovation lending actually works in practice

• Whether lenders need building plans before approving finance for a renovation and how reno funding differs from buying or building a new home

• How kids Shareies accounts are taxed if they’re not held in a trust, what changes once a child turns 18, and who is responsible for tax along the way

• Whether it makes sense to redirect extra mortgage repayments into after-tax super contributions and then use the tax refund to top the mortgage back up, including the pros, cons and cash flow considerations

If you enjoyed this episode of The Australian Finance Podcast, make sure you hit follow on Apple Podcasts, Spotify, YouTube, or wherever you listen.And if you’ve got a question you’d like us to unpack in a future Q&A, send it through using the link in the show notes.

Resources for this episode

Podcast- Move or Do a Reno

Podcast- How to Plan a Reno

Invest for kids

Sign up for the newsletter

Sign up for Rask Core

Buy Gemma’s book The Money Reset

Ask a question (select the Finance podcast)

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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From ETFs and core-satellite portfolios to AI, robo-advice and the slow shift away from property-first thinking, this conversation goes deep on what’s working, what’s overrated, and what the “average successful investor” of the future might actually look like.

🧠 What you’ll learn in this episode

🇦🇺 Australia vs 🇺🇸 the US: how investors really differ

- How Australian investor preferences compare with the US

- Why ETFs dominate locally — and whether that’s normal or surprising

- Cultural, behavioural and structural differences between markets

👩‍💼👨‍💼 Investing behaviours: men, women & long-term outcomes

- Are there meaningful differences between how men and women invest?

- What the data says versus common stereotypes

- Why behaviour matters more than product choice

🧩 Core & Satellite investing — what it actually looks like

- ETFs vs shares: how real portfolios shake out in practice

- Why “core & satellite” is often misunderstood

- When simplicity beats sophistication

🏠 Is property-first thinking fading in Australia?

- Are Australians really moving away from property as the default wealth strategy?

- What’s changing — and what isn’t

- How housing affordability, flexibility and investing access shape behaviour

📊 What worked that wasn’t obvious

- The things Pearler expected to work — and didn’t

- The unexpected features or behaviours that delivered real results

- Lessons learned from building investing tools at scale

🔮 The successful Australian investor of 2030

- What does an “average but successful” 35-year-old investor look like?

- Habits, mindset and structure — not hype or shortcuts

- Why consistency still wins

🧠 Goals, calculators & investor tension

- Why goals are harder than people think

- The tension between optimisation and behaviour

- Are calculators still useful — or mostly ignored?

🤖 Digital advice, robo-advice & regulation

- How Hayden describes the current crop of “robo-advice”

- What digital advice gets right — and where it falls short

- Whether meaningful progress depends on government and regulatory change

🧠 AI, advice & trust

- Why you can’t (yet) just use ChatGPT or similar tools for investing advice

- Whether people will actually trust AI with financial decisions

- Is AI bigger than the internet — or just the next layer on top?

- Will non-technical users still be amazed by AI in 10 years, like YouTube today?

Resources for this episode

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Across 10 bite-sized episodes, hosts Owen Rask and Gemma Mitchell help you reset your money mindset, build solid financial foundations, and make 2026 your best money year yet.

Plus — they’re putting their own tips to the test with the “Finders Keepers Challenge”, tracking how they each plan to find, save, or earn $10,000 by the end of 2026. Who will come out on top? Follow along and join the challenge yourself.

In this episode, we cover:

If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you.

Resources for this episode

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question or give us feedback: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Across 10 bite-sized episodes, hosts Owen Rask and Gemma Mitchell help you reset your money mindset, build solid financial foundations, and make 2026 your best money year yet.

Plus — they’re putting their own tips to the test with the “Finders Keepers Challenge”, tracking how they each plan to find, save, or earn $10,000 by the end of 2026. Who will come out on top? Follow along and join the challenge yourself.

In this episode, we cover:

If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you.

Resources for this episode

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question or give us feedback: https://bit.ly/R-quest 
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we cover:

- Is AI killing app investing in 2026?

- Are you a stock market genius? Play our game to find out

- How the game works

- Smart tracking for portfolios

- Owen and Navarre’s top picks

Resources for this episode Join the game: https://www.stockgenius.com.au/ Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK Ask a question (select the Finance podcast): https://bit.ly/R-quest Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 Rask resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest We love feedback! https://raskau.typeform.com/to/ZbfHy6IP Follow us on social media: Instagram: https://www.instagram.com/rask.invest TikTok: https://www.tiktok.com/@rask.invest Disclaimer: The information contained in this podcast episode is strictly general in nature. It does not take into account your needs, goals or objectives. So do not act on the information until you have spoken to your financial adviser. The Rask Group Pty Ltd is a corporate authorised representative (No. 1313447) of Rask Licensing Pty Ltd (AFSL: 563 907). The information in our shows is general financial advice only. That means, the advice does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. In addition, you should obtain and read the product disclosure statement (PDS) and Target Market Determination (TMD) before making a decision to acquire any financial product. If you don’t know what your needs are, you should consult a trusted and licensed financial adviser who can provide you with personal financial product advice. Please read our Terms & Conditions and Financial Services Guide on rask.com.au/legal. The Stock Genius website is built and maintained by Navexa. It does not provide financial, legal or tax advice of any kind. The Rask Stock Market Game has been created purely for educational and entertainment purposes. It is not real money and should never be considered as a recommendation, "stock picking", or investment service. The purpose of the game is community, not recommendations for, or against, investments. Investing is risky and can result in permanent capital loss. The Rask Group Pty Ltd and Navexa do not endorse or recommend investments as part of the Stock Genius website, and make no warranty for the performance of portfolios.

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Across 10 bite-sized episodes, hosts Owen Rask and Gemma Mitchell help you reset your money mindset, build solid financial foundations, and make 2026 your best money year yet.

Plus — they’re putting their own tips to the test with the “Finders Keepers Challenge”, tracking how they each plan to find, save, or earn $10,000 by the end of 2026. Who will come out on top? Follow along and join the challenge yourself.

In this episode, we cover:

- What are shares and ETFs, and how do they work?

- Why do people invest in them?

- What’s the difference between individual shares and ETFs?

- How to choose an ETF or share that suits your goals- and what platform to use?

Plus Gemma and Owen’s Finders Keepers $10k challenge update 

If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you.

Resources for this episode

ETF course free by Rask https://education.rask.com.au/courses/etf-course/

Debt course- FREE rask course :https://education.rask.com.au/courses/debt-course/

Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK
Ask a question (select the Finance podcast): https://bit.ly/R-quest

Show partner resources

Rask summer series

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Across 10 bite-sized episodes, hosts Owen Rask and Gemma Mitchell help you reset your money mindset, build solid financial foundations, and make 2026 your best money year yet.

Plus — they’re putting their own tips to the test with the “Finders Keepers Challenge”, tracking how they each plan to find, save, or earn $10,000 by the end of 2026. Who will come out on top? Follow along and join the challenge yourself.

In this episode, we cover:

- What is super and why should you care?

- What happens now and in retirement?

- What to look for in a super fund?What are common super funds- Rest, Australian Super, Host Plus etc 

- Plus how Owen and Gemma manage their superannuation 

If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you.

Resources for this episode

Rask summer series

5 ways to grow your super (AustralianSuper & HostPlus)

Debt course- FREE rask course :https://education.rask.com.au/courses/debt-course/

Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK
Ask a question (select the Finance podcast): https://bit.ly/R-quest

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Across 10 bite-sized episodes, hosts Owen Rask and Gemma Mitchell help you reset your money mindset, build solid financial foundations, and make 2026 your best money year yet.

Plus — they’re putting their own tips to the test with the “Finders Keepers Challenge”, tracking how they each plan to find, save, or earn $10,000 by the end of 2026. Who will come out on top? Follow along and join the challenge yourself.

In this episode, we cover:

- What's the average price of a house? $850k.

- How much deposit do I really need? Not 20%.

- What does supply v demand actually mean?

- Do I have to buy a house to be wealthy?

- Will there ever be a time when houses are manageable?

- What experts you might need when buying a house

If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you.

Resources for this episode

Rask summer series

Australian property market in 2025: bubble warning?

Debt course- FREE rask course :https://education.rask.com.au/courses/debt-course/

Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK

Ask a question (select the Finance podcast): https://bit.ly/R-quest 

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Across 10 bite-sized episodes, hosts Owen Rask and Gemma Mitchell help you reset your money mindset, build solid financial foundations, and make 2026 your best money year yet.

Plus — they’re putting their own tips to the test with the “Finders Keepers Challenge”, tracking how they each plan to find, save, or earn $10,000 by the end of 2026. Who will come out on top? Follow along and join the challenge yourself.

In this episode, we cover:

- Why debt isn't the enemy

- How to use debt as a tool

- Types of debts - trips and traps

- Good vs Bad vs Ugly debts

- Debt repayment strategies 

- Plus how Owen and Gemma manage their debts.

If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you.

Resources for this episode

Rask summer series

Moneysmart https://moneysmart.gov.au/loans

Debt course- FREE rask course :https://education.rask.com.au/courses/debt-course/

Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK

Ask a question (select the Finance podcast): https://bit.ly/R-quest 

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Across 10 bite-sized episodes, hosts Owen Rask and Gemma Mitchell help you reset your money mindset, build solid financial foundations, and make 2026 your best money year yet.

Plus — they’re putting their own tips to the test with the “Finders Keepers Challenge”, tracking how they each plan to find, save, or earn $10,000 by the end of 2026. Who will come out on top? Follow along and join the challenge yourself.

In this episode, we cover:

- Passive vs active income

- Why millionaires focus on 7 streams of income 

- How to increase your income now and in the future

- How Gemma and Owen plan to increase their income to get to their $10,000 challenge

If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you.

Resources for this episode

Rask summer series

Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK
Ask a question (select the Finance podcast): https://bit.ly/R-quest

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Across 10 bite-sized episodes, hosts Owen Rask and Gemma Mitchell help you reset your money mindset, build solid financial foundations, and make 2026 your best money year yet.

Plus — they’re putting their own tips to the test with the “Finders Keepers Challenge”, tracking how they each plan to find, save, or earn $10,000 by the end of 2026. Who will come out on top? Follow along and join the challenge yourself.

In this episode, we cover:

- Why you need a budget

- How to pick a budget that actually works for you

- Why budgets fail

- Managing money as a couple- your household CEO and CFO

Plus lots more 

If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you.

Resources for this episode

Rask summer series

Rask budget course

Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK

Ask a question (select the Finance podcast): https://bit.ly/R-quest 

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Across 10 bite-sized episodes, hosts Owen Rask and Gemma Mitchell help you reset your money mindset, build solid financial foundations, and make 2026 your best money year yet.

Plus — they’re putting their own tips to the test with the “Finders Keepers Challenge”, tracking how they each plan to find, save, or earn $10,000 by the end of 2026. Who will come out on top? Follow along and join the challenge yourself.

In this episode, we cover:

- What is money mindset and how it impacts us

- The difference between mindset and goal setting

- How to change your money mindset- do you need to?

- Spotting triggers and patterns with money

- Shifting from scarcity to growth mindset

Plus lots more…

If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you.

Resources for this episode

- Rask summer series

- Finders keepers challenge

- Buy Gemma’s book “The Money Reset”
- Ask a question (select the Finance podcast)

Show partner resources

- Join Pearler using code “RASK” for $15 of Pearler Credit

- Get 50% off your first two months using PocketSmith

- View Betashares range of funds

Rask resources

- All services

- Financial Planning

- Invest with us

- Access Show Notes

- Ask a question

- We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Across 10 bite-sized episodes, hosts Owen Rask and Gemma Mitchell help you reset your money mindset, build solid financial foundations, and make 2026 your best money year yet.

Plus — they’re putting their own tips to the test with the “Finders Keepers Challenge”, tracking how they each plan to find, save, or earn $10,000 by the end of 2026. Who will come out on top? Follow along and join the challenge yourself.

In this episode, we cover:

- Goal setting - big and small

- Prioritising 

- Finding balance and not setting yourself up for failure

- Gemma & Owens plans to create an extra $10k in their lives in 2026

If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you.

Resources for this episode

- Rask summer series⁠

⁠- Finders keepers challenge⁠

- Buy Gemma’s book “The Money Reset”

- Ask a question (select the Finance podcast)

Show partner resources

- Join Pearler using code “RASK” for $15 of Pearler Credit

- Get 50% off your first two months using PocketSmith

- View Betashares range of funds

Rask resources

- All services

- Financial Planning

- Invest with us

- Access Show Notes

- Ask a question

- We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Here’s what they cover:

-Budget and financing

-Council approvals and regulations

-Scope and design

-Hiring contractors

-Materials and suppliers

-Timeline and disruptions

-Climate and location considerations

-Legal and insurance considerations

-Resale value and market trends

Summary tips from Pete and Gemma

Resources for this episode

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Gemma and Owen cover

• Why so many Aussies feel pressure around Christmas spending and how to avoid waste

• Five affordable under-50 dollar gift ideas from Gemma, covering book lovers, coffee drinkers, sentimental types and the hard-to-buy-for

• Owen’s budget-friendly picks for friends, family and colleagues

• The honest chat on regifting, when it’s fine and when it’s not

• How to avoid panic buying and choose meaningful gifts that won’t end up unused

This quick episode is the perfect guide for anyone searching for last-minute Christmas gifts under 50 dollars that are thoughtful, practical and budget-conscious.

If you like this Australian Finance Podcast episode, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

--Gemma's list--

⁠Book stamp / embosser⁠

⁠Electric beverage warmer (Amazon)⁠

⁠Custom photo puzzle – Big W⁠

⁠Custom photo puzzle – Officeworks⁠

⁠Uno No Mercy⁠

⁠Massage voucher (local business search)⁠

⁠Visa/Mastercard gift cards⁠

--Owen's list--

⁠Headband for earphones (Bluetooth sleep headband)⁠

⁠T2 gift packs⁠

⁠Le Creuset mug⁠

⁠San Pietro Pinot Noir⁠

⁠How They Get You by Chris Kohler⁠

⁠The Money Reset by Gemma Mitchell⁠

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Resources for this episode - Sign up for the newsletter - Sign up for Rask Core - Buy Gemma’s book The Money Reset - Ask a question (select the Finance podcast)

Show partner resources - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds

Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #finance #asx

Learn more about your ad choices. Visit megaphone.fm/adchoices

Show partner resources: - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds

Rask resources: - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question - We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG)

Learn more about your ad choices. Visit megaphone.fm/adchoices

Connect with Roxanne

Buy Earning Power

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Kate Campbell & Mitchell Sneddon share 10 different money hacks to help you maximise your finances in 2024. Remember - the small changes you make add up over time, so don’t discount those small actions you take.

Resources for this episode

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Owen Rask is joined by Phil Thompson, founder of Skye Wealth, to unpack what really happens when you make an insurance claim.

They go behind the scenes on:

– How insurance claims actually work

– What mistakes people make when trying to claim

– The vital difference between "own" vs "any" occupation cover

– Why you should never go straight to a lawyer when claiming

– The most common issues that stop people getting paid

– Real client case studies and what went right (or wrong!)

If you're curious about income protection, trauma cover, life insurance, or TPD claims, this episode shows how good insurance advice can make a huge difference.

Enjoying the show? Subscribe for weekly episodes on Apple, Spotify, YouTube or your favourite app.

Topics Covered

– What really happens when you make an insurance claim

– Why people often don’t realise they’re eligible for a claim

– The difference between retail vs group/super insurance

– Why having an adviser at claim time can save you money

– The role of the waiting period and how it affects payment

– Real claim case study: Chloe’s chronic fatigue income protection win

– Real claim case study: Chandler’s RSI and $1.3 million TPD cover

– Real claim case study: Rebecca’s mental health claim from a workplace accident

– The danger of going straight to lawyers before talking to your adviser

– Own occupation vs any occupation: what’s the difference?

– Why good documentation and honesty make a successful claim

– What to do if you’ve had time off work or a medical condition

– The risk of underinsurance and how to get help

Resources for this episode

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Get financial advice

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

We also tackle a classic rentvesting question from someone with five investment properties who now wants to buy their own home, plus a quick explainer on what really happens to your HECS-HELP debt when you pass away.

Topics covered
– Whether you should follow your parents’ advice to save in a high-yield account or invest once you’ve built a three-month emergency buffer
– How compounding, inflation and time horizons shape the save or invest decision
– The pros and cons of having core and satellite portfolios across two brokers, and when it makes sense to merge
– What to think about when investing for children, including fees, tax rules and whether Australian Unity or investment bonds suit your goals
– A simple framework for exiting rentvesting and transitioning into your own home, even when you’re juggling multiple properties
– What actually happens to your HECS-HELP balance when you die, and how the ATO handles unpaid student debt

If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link in the show notes.

Resources for this episode

Grant Hackett Episode on Bonds

Tax Structure Rask Guide

Sign up for the newsletter

Sign up for Rask Core

Buy Gemma’s book The Money Reset

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Getting started is often the hardest part. Many people put it off because they think they need more money, more knowledge, or the “perfect moment”. The truth is you only need a small amount, a repeatable plan, and the confidence to take the first step. This episode gives you exactly that.

Gemma breaks down the five steps that build a strong foundation, along with the rookie mistakes that trip up new investors every year. If you’ve ever wondered where to begin, or you’re ready to finally put your money to work, this is the perfect place to start.

In this episode, you’ll learn:

- Why your first $1,000 matters more than you think

- How to choose an investment platform and avoid overcomplicating it

- The basics of picking a diversified investment without needing expert skills

- How automation removes the emotional pressure and keeps you consistent

- The difference between long-term investing and short-term noise

- Rookie mistakes to steer clear of, including chasing hot tips and timing the market

- How to build the habit so your first $1,000 becomes so much more

If you’re ready to make a start, feel more confident, and avoid the traps that hold so many people back, tune in to this quick, practical guide.

Resources for this episode

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Emma’s new book, The Wardrobe Project: A Year of Buying Less and Liking Yourself More, published by Wiley, explores the powerful connection between spending habits, confidence, and self-worth. It’s the perfect read for anyone wanting to reset their relationship with money and shopping before 2026.

Together, Gemma and Emma unpack how a year-long no-buy challenge changed her approach to money, mindset, and fashion, and how you can start your own “wardrobe reset” to spend smarter and feel better.

Topics Covered:

- What inspired The Wardrobe Project and the surprising lessons from a year of not shopping

- How body image and confidence influence the way we spend
- What Emma discovered about self-worth and financial behaviour during her no-buy year
- Practical tips to reduce impulse spending and start buying with purpose
- How to balance self-expression and sustainability with fashion
- Which money and mindset habits stuck after the challenge ended
If you’re ready to build a healthier money mindset and rethink how you spend in 2026, this episode is for you.

Resources for this episode

- Buy Emma’s book “The Wardrobe Project” https://www.amazon.com.au/Wardrobe-Project-Buying-Liking-Yourself/dp/1394376812

- Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK

- Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question or give us feedback: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

We also cover how to help a level headed 16 year old get started with investing, plus a common holiday question many families face. Do you stick to the Secret Santa limit, or match everyone else who’s blowing the budget?

This episode also includes quick updates on HECS indexation changes, the Bureau of Meteorology blowout, and what it means for your hip pocket.

Owen and Gemma cover:

- How to compare investing inside super versus a direct ETF portfolio when you’re 58, earning well and contributing regularly

- Why non concessional contributions can be powerful in your late 50s, and the key rules to understand

- How employer paid parental leave works alongside the government scheme, how long each runs for, and how to apply

- When HECS repayments start, why your balance might not be falling, and whether paying extra makes sense

- How to teach teens the basics of investing, the best beginner podcasts, and easy ways to start with $15k

- Whether you should stick to the Secret Santa limit or spend more, and how to set boundaries without killing the vibe

- Updates on HECS balances, indexation, the BOM budget blowout and what it means for everyday Australians

If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link in the show notes.

Resources for this episode

Sign up for the newsletter

Sign up for Rask Core

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

After working with hundreds of Australians approaching retirement, Tahli has seen the same patterns over and over again. Most people feel unprepared. Many feel intimidated by the jargon. And almost everyone worries they’ve “left it too late”. This conversation cuts through the noise and gives listeners a clear, calm starting point for planning the next stage of life.

Together, Gemma and Tahli unpack what retirement really looks like in Australia, the biggest misconceptions, and the practical steps that matter most in your 50s and 60s.

In this episode, you’ll learn:

- Why so many people walk away from retirement chats feeling more confused than when they started

- How to map out your own personal balance sheet to work out where you stand

- Why lifestyle planning is just as important as the numbers

- What “asset rich, cash poor” means and why it catches so many retirees by surprise

- How Centrelink treats things like granny flat arrangements and family support

- The biggest myth about retirement planning and why relying on “it’ll sort itself out” can derail your goals

- What to focus on if you're five to ten years away from finishing full-time work

- How to engage with your super fund and what questions to ask right now

- Why diversification is about more than investment choices — and how different structures can create flexibility later in life

- Simple tools and exercises that help people get clarity, including the spreadsheet Tahli uses with her own clients

If you’re ready to understand how retirement works, feel more confident, and make the next decade easier to navigate, this episode is for you.

Resources for this episode

Retirement Mastery Course

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Here’s what they cover:

-Starting now

-Clean up old bank accounts, companies, and brokerage accounts 

-Choose one thing that’s stressing you out now and tackle it 

-Keep a net worth tracker 

Resources for this episode

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

– What gearing means in a finance and ETF context

– How Betashares Wealth Builder ETFs use leverage

– The difference between moderate gearing (30–40%) and high gearing (50–65%)

– Why gearing can help you outperform over the long term

– Who should (and shouldn’t) consider geared ETFs

– How gearing works inside superannuation

Whether you're new to investing or looking for advanced portfolio tools, this episode unpacks gearing step-by-step in plain English.

If you like this Australian Finance Podcast episode on ETF gearing, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts!

Follow us on Instagram and TikTok for more money and investing content.

Topics Covered

– What is Gearing in Finance?

– How Gearing Works Inside an ETF

– Example: 100 + 50 = 150 (Loan to Value Ratio explained)

– The Difference Between Margin Loans and Geared ETFs

– Interest Rates: What Betashares Pays vs Individuals

– Rebalancing Explained: Managing the Gearing Level

– Drawdowns, Volatility & Risks of Leverage

– ETF Ticker Breakdown:

 – GEAR (High-geared Aussie Equities)

 – GGUS (High-geared US Equities)

 – G200 (Moderately Geared Aussie Equities)

 – GNDQ (Moderately Geared NASDAQ)

 – GGBL (Moderately Geared Global Equities)

– Gearing in Super: Pros & Considerations

– When Gearing Doesn’t Work

– Blending Geared and Non-Geared ETFs in a Portfolio

Chapters (approximate)

(00:00) Introduction

(04:52) How Gearing Works in ETFs

(09:15) Advantages of Using Gearing in Investments

(11:33) Tax Implications of Gearing

(15:04) Risks and Downsides of Gearing

(17:44) Comparing Different Gearing Strategies

(20:55) Long-Term Performance and Rebalancing

(24:15) Investing in Super: Advantages and Disadvantages

(27:36) Understanding GGBL: A New Investment Opportunity

(29:33) Risk Tolerance and Market Volatility

(34:23) Managing Gearing Levels in ETFs

(39:03) The Mechanics of Gearing and Rebalancing

Resources for this episode

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Owen and Gemma cover:

– How retirement works when you’re mid 50s, divorced and rebuilding, and what actually happens to your super

– Whether stopping pre-tax super contributions to pay down a 620k home build is a smart trade-off or a backwards step

– What debt recycling is, how equity can be used for a second investment property, and the common traps to avoid

– What to do with deposit savings when you don’t yet have an income to support a mortgage

– How to think about investing when you have a shorter life expectancy and want to use your wealth earlier

– Shares vs property and which one we favour right now based on long term patterns, not headlines

– What needs to change in the finance industry to make advice more accessible and more useful

Plus, we still need your help. Our goal is to get Owen over the line to write a book, and your support matters. Jump on our newsletter and help us get there.

If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link below.

Resources for this episode

Sign up for the newsletter

Sign up for Rask Core

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Whether you’re a beginner or just want to know what’s actually in your ETF, this checklist will help you make better investing decisions.

Owen covers:

- How to understand an ETF’s goal & investment universe

- What to watch out for with fees

- Why holdings and weightings matter

- What tracking difference really means

- How to check an ETF’s size, liquidity and structure

Plus, you’ll learn some key beginner takeaways to avoid costly mistakes, and how to use real ASX ETFs like VAS, A200, IVV and NDQ to compare.

If you liked this episode, subscribe to the podcast for new weekly episodes on Apple Podcasts, Spotify, YouTube, or wherever you listen!

Topics Covered

- Why ETF research matters

- Step 1: Understand the ETF’s Objective

- Step 2: Check the Fees & MER

- Step 3: Look Under the Hood: Holdings & Weightings

- Step 4: Compare Performance to the Index

- Step 5: Assess Structure, Size & Liquidity

- Why these 5 steps matter for beginners

- What the “4% rule” has to do with ETFs

- The risk of chasing high yield

- How diversification helps smooth income

- Real ETF comparisons: VAS, A200, IVV, NDQ, GOLD, EMKT

- How to use a checklist for your own portfolio research

Resources for This Episode

Learn more about ETF research: ETF Investing Course (Beginner to Pro): https://education.rask.com.au/courses/etf-course/ 

ETF Provider Websites: Vanguard ETFs Betashares iShares (BlackRock) VanEck Australia Global X ETFs

Example ETFs Referenced:

VAS (Aussie Shares)

A200 (Aussie Shares)

IVV (US S&P 500)

VGS (Global Shares)

NDQ (NASDAQ 100)

GOLD (Physical Gold)

EMKT (Emerging Markets)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

– How Hayden thinks about saving and frugality

– What AI means for investors, workers, and platforms like Pearler

– The story behind Hayden’s famous wisdom teeth money hack

– How Pearler is building investing tools for real humans

– Lessons from being a software engineer in an AI world

If you like this Australian Finance Podcast episode on money mindset and investing in the AI era, subscribe to hear more weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts!

Follow us on Instagram, and TikTok for more money insights.

Topics Covered

– Hayden’s unconventional wisdom teeth money-saving story

– Why he compares personal finance to skill-building

– How his money mindset has evolved with age & net worth

– Frugality vs. growth: what spending teaches you

– What Pearler got wrong early (and what it’s becoming now)

– Hayden’s take on AI's impact on software, investing & platforms

– What “vibe coding” is — and why it matters

– The truth about passive income tools & automation

– Behind the scenes: how Pearler's UI is built around goals

– The problem with overengineering in finance

– Why simple investing is hard — and where tech can help

– Advice for young people navigating careers in the AI era

– How to develop competence (and why it’s underrated)

– Why diversification matters in life AND investing

– What the future of investing platforms could look like

Chapters (approximate)

(00:00) Introduction

(03:45) Financial Decisions and Personal Growth

(09:22) Building Pearler: Challenges and Community

(10:49) Product Development and Learning from Mistakes

(13:19) The Future of Investment Platforms

(17:22) Admiring Simplicity in Financial Apps

(23:35) Vibe Coding: A New Approach to Software Development

(26:39) The Rise of Entrepreneurial Innovation

(28:54) AI's Impact on Engineering and Coding

(31:43) The Changing Landscape of Professional Skills

(33:27) Industries Ripe for AI Disruption

(35:25) Career Advice in the Age of AI

(39:25) Investing in a Tech-Driven Future

(41:06) Transforming Financial Services and Real Estate

(48:49) Understanding Energy Costs for Savings

Resources for this episode

Hanging with Hayden YouTube channel

Aussie Fire podcast with Dave & Hayden

Invest with Pearler

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link below.

Resources for this episode

Sign up for the newsletter

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Emma’s brand new book, The Wardrobe Project: A Year of Buying Less and Liking Yourself More, dives into the emotional side of spending and why it’s not always about spending less — but spending right.

Episode Resources:

Buy Emma’s book “The Wardrobe Project”

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

– Beating the market vs indexing

– The “lose to win” philosophy and position sizing

– The six traits of rule-breaker companies

– Conscious capitalism, purpose and culture

If you love learning about growth investing and finding outliers, subscribe to the Australian Finance Podcast on ⁠Apple⁠, ⁠Spotify⁠, or ⁠YouTube⁠!

Follow us on ⁠Instagram⁠ and ⁠TikTok⁠ for more investing insights.

Topics Covered

– Beating the market: why David still believes individuals can outperform and why most don’t try

– Lose to win: accepting frequent small losses to capture rare, massive winners (Babe Ruth analogy)

– Six rule-breaker traits: top dog & first mover, sustainable edge, strong price action, leadership/backers, brand love, and “overvalued” narratives

– Final thoughts & how to learn more: AI’s role in research (not a reason to quit stock picking) and making portfolios reflect our best vision for our future

Resources for this episode

⁠Ask a question (select the Finance podcast)⁠

⁠Visit TermPlus to learn more⁠

Rask Resources

⁠All services⁠

⁠Financial Planning⁠

⁠Invest with us⁠

⁠Access Show Notes⁠

⁠Ask a question⁠

⁠We love feedback!⁠

Follow us on social media:

Instagram: ⁠@rask.invest⁠

TikTok: ⁠@rask.invest⁠

DISCLAIMER:

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG):

⁠https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Show partner resources - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds: Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) #finance #asx

Learn more about your ad choices. Visit megaphone.fm/adchoices

Owen profiles these thematic ETFs:

- Betashares Cybersecurity ETF (ASX: HACK) 

- Betashares Global Sustainability Leaders ETF (ASX: ETHI)

- Global X FANG+ ETF (ASX: FANG)

- iShares Global Healthcare ETF (ASX: IXJ)

- Global X China Tech ETF (ASX: DRGN)

If you like this Australian Finance Podcast episode, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Thematic ETF topics covered today:

- What is a thematic ETF?

- Do thematic ETFs work?

- Are thematic ETFs risky?

- How to research a thematic ETF

- HACK review

- ETHI review

- FANG review

- IXJ review

- DRGN review

Resources for this episode

- Betashares ETFs

- Global X ETFs

- iShares IXJ ETF

- Buy Gemma’s book “The Money Reset”

- Ask a question (select the Finance podcast)

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG)

Learn more about your ad choices. Visit megaphone.fm/adchoices

1. What it takes to find killer stocks

2. How Qiao survived the GFC

3. Why founders tend to win

4. The importance of 'control' in long-term investing

5. Munro's investment process

6. Qiao's two pieces of advice to her younger self

Episode resources:

⁠Munro Partners⁠

⁠Nick & Owen's discussion⁠

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’re ready to take your financial reset to the next level, this bite-sized episode walks you through the final six steps, tackling debt, property, super, and protection, and shows you how to build lasting flexibility and freedom with your money.

Gemma shares simple actions and insights to help you future-proof your finances and create a life that feels secure, balanced, and on your terms.

Resources for this episode

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Chapters (approximate)

(00:00) Introduction

(02:52) Doubling Down on Debt

(05:50) Planning Your Property Path

(07:47) Maximising Your Superannuation

(10:15) Planning for the Unexpected

(12:38) Protecting Your Financial Future

(14:26) Financial Flexibility

(16:43) Summary

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

– What makes a company a “unicorn”

– Why Australia punches above its weight in the global startup scene

– The biggest myths about startups and side hustles

– The six-stage founder framework

– What startup success (and failure) really looks like

Whether you dream of launching a business, joining the startup ecosystem, or backing the next Aussie success story, this conversation is a must-listen.

If you enjoy this episode, don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts!

🔗 Apple: Australian Finance Podcast on Apple

🔗 Spotify: Australian Finance Podcast on Spotify

🔗 YouTube: Australian Finance Podcast on YouTube

Follow us on Instagram and TikTok for daily insights:

📲 Instagram: @rask.invest

📲 TikTok: @rask.invest

Topics Covered

– What is a Unicorn Startup?

– Why Australia is one of the most capital-efficient ecosystems

– How Australia compares to Silicon Valley

– The six-stage startup founder framework

– The differences between a startup, small business, and side hustle

– Lessons from launching a cat café (yes, really)

– The “Sulopolis Score” and problem-solving in startups

– Why storytelling matters for business growth

– Mistakes to avoid from failed startups (MilkRun, etc.)

– How successful founders think differently the second time around

– Common traits of Australia’s top founders

– The truth about market research and pivots

– How to get started in the startup ecosystem—without quitting your job

Resources for this episode

Amazon link: https://amzn.to/4q52j56 Website link: https://www.ridingtheunicornhq.com/

We are on LinkedIn, Instagram and TikTok: https://www.linkedin.com/company/riding-the-unicorn/ https://www.instagram.com/ridingtheunicornhq/ https://www.tiktok.com/@ridingtheunicorn

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

– Whether it’s too late to start investing in your 50s and 60s, and how to balance mortgage repayments, redraw funds and retirement goals

– What to look out for when reviewing your first full-time job offer, including salary packaging, super and employee benefits

– Why some government employers use third-party salary sacrifice administrators like Remserve or SmartSalary, and whether those fees are worth it

– What happens to your Super balance above the Transfer Balance Cap, and how withdrawals and taxes work once you hit retirement phase

– Plus we need your help – the challenge Gemma has set our audience to get Owen to write a book!

If you like this episode of the Australian Finance Podcast, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts — and don’t forget to send in your questions for future Q&As using the link below.

Chapters (approximate)

(00:00) Introduction

(09:24) Financial Questions and General Advice

(17:56) Full Time Job Overseas Company

(21:20) Salary Sacrificing Explained

(27:43) Superannuation and Retirement Planning

Resources for this episode

Sign up for the newsletter

Buy Gemma’s book The Money Reset

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Chapters (approximate)

(00:00) Introduction

(04:13) Understanding the Mechanics of Home Loans

(05:43) Implications of the 5% Deposit Scheme

(09:27) Eligibility and Application Process

(13:59) Market Reactions and Economic Impact

(16:34) Final Thoughts and Recommendations

Resources for this episode

Government Resources

Eligibility Tool

Pearler FHSSS information

Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Friday episode of the Australian Finance Podcast, your hosts Owen Rask and Gemma Mitchell are answering your questions on:

– Whether salary sacrificing for company shares is worth it — and the concentration risk you need to watch out for

– The pros and cons of a 19-year-old buying an investment property while still living at home (and whether it’s worth forgoing the First Home Buyer Grant)

– How to handle superannuation beneficiaries if you’re single with no dependants

– The age-old question: pay bills as they come in or wait until they’re due?

– And finally, what candlestick trading actually is — and whether it’s a real investing strategy or just market noise

Plus, Owen and Gemma unpack the latest government announcements, including the 20% HELP debt reduction and new super changes affecting balances over $3 million and $10 million.

If you like this episode of the Australian Finance Podcast, make sure to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts — and don’t forget to send in your questions for future Q&As using the link below.

Chapters (approximate)

(00:00) Introduction

(04:20) Understanding HECS/HELP Debt Changes

(08:52) Superannuation Tax Changes Explained

(14:58) Navigating Salary Sacrifice and Concentration Risk

(21:19) Investment Property vs. First Home Buyers Grant

(24:22) Candlestick Trading and Market Speculation

(27:18) Leaving Super to Family Members

(30:00) Managing Bills and Financial Communication

Resources for this episode

HELP DEBT info

HELP DEBT REDUCTION Calculator

DIV296

Buy Gemma’s book The Money Reset

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Over six key steps, Gemma shares practical actions and mindset shifts to help you take stock, set up strong foundations, and start building momentum — without the overwhelm.

Resources for this episode

- Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK

- Ask a question (select the Finance podcast): https://bit.ly/R-quest 

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Ana shares practical ways to make money lessons fun, age-appropriate and aligned with your family values, without overwhelming yourself in the process.

In this episode we cover:

– Why starting young matters: compounding, habits, and building confidence around money

– Is there such a thing as too young? Teaching kids at different ages

– Pocket money — yay or nay? Should kids earn it or just practice with it?

– Everyday lessons at home: shopping, saving, delayed gratification

– How to make money fun, not scary, with games and apps

– Avoiding overwhelm as a parent (and why you need your own oxygen mask first)

– Mistakes to avoid when teaching kids about money

– Should kids choose investments, or should parents do it behind the scenes?

– Linking money lessons to family values like giving and sustainability

– First steps you can take today to start your kids’ money journey

Subscribe for weekly episodes on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

Connect with Ana

Ana’s book

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Buy Gemma’s book “The Money Reset”

Ask a question (select the Finance podcast)

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit

Get 50% off your first two months using PocketSmith

View Betashares range of funds

Rask resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

• Is it really a goal, or just a nice idea?

• Do you actually need clear goals to succeed?

• Why most goals fail (and what people get wrong)

• How to set goals that are right for you, not just what everyone else is doing

• Setting realistic goals – and action plans to match

• Gemma’s 5-step process for setting goals that actually stick

Keen to hear more? Check out our other episodes on the Australian Finance Podcast. Want property tips? Make sure you check out other episodes of the Australian Property Podcast. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Rask Resources

Pete's Buyers Agency: https://www.allenwargent.com.au

PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK

Amy Lunardi Buyers Agency (Melbourne) www.amylunardi.com.au 

Alcove mortgage broking: https://www.raskmedia.com.au/services/mortgage-broking 

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

- What debt recycling actually means, and whether it’s worth considering
- Wrap accounts explained: are advisers incentivised to recommend them?

Plus:  What to ask your adviser to understand their advice! 

Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts – and send in your questions via the link below.

Resources for this episode

- Debt Recycling information- https://www.rask.com.au/financial-advice/debt-recycling-masterguide/

- Buy Gemma’s book The Money Reset- https://amzn.to/42Uz0aK

- Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Show partner resources 💰 Join Pearler using code “RASK” for $15 of Pearler Credit 📊 Get 50% off your first two months using PocketSmith 📈 View Betashares full range of funds

Rask resources 🔗 Explore all Rask services 📋 Learn about Rask Financial Planning 📈 Start investing with Rask 📜 Access Show Notes ❓ Ask a question – just select the Finance Podcast

📲 Follow us on social media Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.

The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG)

Learn more about your ad choices. Visit megaphone.fm/adchoices

If you enjoyed this chat, don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts.

In this episode, Gemma and Lexi dive into:

- What are financial being workshops

- What are other employers doing

- Why they work (and should be added to the next pizza party!)

Resources for this episode

Rask Corporate workshops- https://www.raskmedia.com.au/services/corporate-financial-wellness-programs-australia/

Connect with Lexi Smith https://moneyvine.com.au/

PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK

Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

- Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds Rask resources

- All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG)

Learn more about your ad choices. Visit megaphone.fm/adchoices

Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Topics Covered – What is Personal Insurance? – Life Insurance: Who needs it? – Total and Permanent Disability (TPD) Cover – Trauma Insurance: What is it? – Income Protection: How it works and who it’s for – Child Cover: Is it worth considering? – Getting Insurance via Super vs Adviser vs Direct – Why many financial advisers outsource insurance – Why Phil focuses on insurance-only advice – Understanding waiting periods & claim timeframes – What happens during a claim and how advisers help – Tips for reviewing and cancelling insurance safely – Common mistakes Aussies make with insurance – The real cost of doing nothing Resources for this episode - Skye Wealth

Show partner resources 💰 Join Pearler using code “RASK” for $15 of Pearler Credit 📊 Get 50% off your first two months using PocketSmith 📈 View Betashares full range of funds Rask resources 🔗 Explore all Rask services 📋 Learn about Rask Financial Planning 📈 Start investing with Rask 📜 Access Show Notes ❓ Ask a question – just select the Finance Podcast

📲 Follow us on social media:

Instagram: @rask.invest TikTok: @rask.invest

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG)

Learn more about your ad choices. Visit megaphone.fm/adchoices

– Why building an emergency fund is boring—but essential – How the power of compounding favours early investors – Why getting on the property ladder is still a smart long-term move – The power of smart tax structuring (even for everyday investors) – Why keeping an open mind might be your biggest financial edge

If you enjoy this episode on financial planning insights for people in their 30s and 40s, subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you listen.

Apple → https://podcasts.apple.com/au/podcast/australian-finance-podcast/id1454193127 Spotify → https://open.spotify.com/show/0KEsqdQgVCL6BKomPoNVOz YouTube → https://www.youtube.com/channel/UCvOPFdkhCBIK2Y5QbDtOZXA

Follow us on Instagram → https://www.instagram.com/rask.invest/ Follow us on TikTok → https://www.tiktok.com/@rask.invest

Topics Covered – Travel and tax planning – Emergency funds: how much is enough? – Why 3 months of expenses is just a starting point – Offsets vs. savings accounts – How much cash is too much cash? – Getting invested early: the compounding magic – ETFs vs. shares: where to start – The power of low fees and diversification – Gearing explained: good or bad? – The truth about getting into the property market – Why you probably can’t out-save property prices – First Home Super Saver Scheme – First Home Guarantee (5% deposit scheme) explained – Mortgage brokers: why you need one – Tax structuring 101: names, trusts, companies – Common mistakes with tax on investments – Building an investment strategy that works with your structure – Why being open minded is underrated – Bitcoin, gold, ETFs, property—diversification in action – Advice from a financial planner: what a real plan looks like

Resources for this episode

Everest Wealth

~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25

~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest

📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.

The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions answered in today's Q&A:

- What really happens when your super goes into pension mode and how the tax-free income stream works
- The smart way to invest for your kids and what happens at 18 when you want to transfer the funds

- Whether you can salary sacrifice into your partner’s super, whose cap it falls under, and if it counts for the First Home Super Saver Scheme
- And when a credit card can actually be a good idea for young investors
Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts – and send in your questions via the link below.

Resources for this episode

- Buy Gemma’s book The Money Reset- https://amzn.to/42Uz0aK

- Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

– The 4 types of companies to look for in high-growth industries

– Where AI is creating the most value (from chips to cloud to applications)

– Which companies are leading the AI charge

– Why ETFs can help you reduce risk and still capture long-term gains

If you like this Australian Finance Podcast episode on investing in artificial intelligence, you'll love our series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts!

Follow us on Instagram and TikTok for more investing insights.

Topics Covered

– What is the AI investment opportunity?

– The 4 business types from The Gorilla Game: Gorillas, Kings, Chimps & Princes

– Why Nvidia, Microsoft, Alphabet & TSMC are AI “Gorillas”

– Key subsectors of AI: Compute, Networking, Cloud, Applications

– Companies to watch: Palantir, Snowflake, OpenAI, Anthropic

– AI-adjacent opportunities: Cybersecurity & Infrastructure

– Using ETFs to reduce risk and gain exposure to AI

– The benefits of “moderate gearing” through ETFs

– AI hype vs structural trends: What matters for long-term investors

– Why you need a solid “core” in your portfolio before adding AI themes

Resources

The Gorilla Game book

~~ Show partner resources ~~

💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler

📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith

📈 View Betashares full range of funds – https://bit.ly/beta-25

~~ Rask resources ~~

🔗 Explore all Rask services – https://bit.ly/R-services

📋 Learn about Rask Financial Planning – https://bit.ly/R-plan

📈 Start investing with Rask – https://bit.ly/R-invest

📜 Access Show Notes – https://bit.ly/R-notes

❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest

📲 Follow us on social media:

Instagram: @rask.invest – https://www.instagram.com/rask.invest/

TikTok: @rask.invest – https://www.tiktok.com/@rask.invest

DISCLAIMER

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.

The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

– Why income from ETFs is more relevant than ever

– How ETF structures can provide access to monthly or quarterly income

– The difference between placing cash in an offset vs investing

– What happens in a low interest rate environment

– Strategies to blend growth and income using ETFs

Whether you're saving for financial independence, building income in retirement, or simply want your money to work harder, this episode is packed with practical ETF ideas and frameworks.

If you like this Australian Finance Podcast episode on ETF income strategies, you’ll love our other expert interviews. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts!

Follow us on Instagram and TikTok for more investing insights.

Resources for this episode

Resources: https://www.betashares.com.au/fund/

~~ Show partner resources ~~

💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler

📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith

📈 View Betashares’ full ETF range – https://bit.ly/beta-25

~~ Rask resources ~~

🔗 Explore all Rask services – https://bit.ly/R-services

📋 Learn about Rask Financial Planning – https://bit.ly/R-plan

📈 Start investing with Rask – https://bit.ly/R-invest

📜 Access Show Notes – https://bit.ly/R-notes

❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest

📲 Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.

The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus, it’s Gemma’s birthday episode – she reflects on her biggest money lessons from four decades of life and finance.

Questions answered in today’s Q&A:

- Do you need to own a home in Australia?

- I bought my first home last year using an inheritance for the deposit. Now more than half of my loan is offset with cash, and my rate is 5.53%. With interest rates dropping, should I leave it in offset or look at investing in shares, property, or something else?
- What is a re-contribution strategy and why would you use it?
- I’m more of a share investor, but I’d like to help family by buying an investment property. Where’s the best place to go for help?
- What’s the difference between holding my ETFs directly with BetaShares or Vanguard versus through a share registry like Computershare? And why is BetaShares prompting me to move my ETFs across?

Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below.

Resources for this episode

- Owens webinar on 10% returns https://www.youtube.com/watch?v=XldMhJBY09Q

- Mortgage broking- https://www.raskmedia.com.au/services/mortgage-broking/

- Buy Gemma’s book The Money Reset- https://amzn.to/42Uz0aKAsk a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Owen breaks down:

– What makes Pearler unique as an investing platform

– How it encourages long-term investing with less stress

– The powerful automation features now available

– Why 87% of users are choosing ETFs over stocks

– Super, US shares, and more: How Pearler is evolving

If you're looking to simplify your investing and automate your money, this episode is a must-listen. Whether you’re brand new to Pearler or already using it, you’ll find something helpful.

Subscribe for more on Apple here, Spotify here, or YouTube here!

Follow us on Instagram and TikTok for more.

Resources for this episode

pearler.com

~~ Show partner resources ~~

💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler

📊 Get 50% off your first two months with PocketSmith – https://bit.ly/R-PocketSmith

📈 View Betashares full range of ETFs – https://bit.ly/beta-25

~~ Rask resources ~~

🔗 Explore all Rask services – https://bit.ly/R-services

📋 Learn about Rask Financial Planning – https://bit.ly/R-plan

📈 Start investing with Rask – https://bit.ly/R-invest

📜 Access Show Notes – https://bit.ly/R-notes

❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest

📲 Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

If you’re unsure, always speak to a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.

The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

– How Scott went from UK football trials to financial planning

– Starting Everest with co-founder Alex after a round of golf

– Why Everest focuses on scalable, accessible advice for under-50s

– How they went from 0 to 60 staff and 85 advice plans a month

– What makes Everest Rask’s most referred-to advice partner

Whether you're an aspiring financial planner, entrepreneur, or someone seeking advice, Scott’s journey offers practical lessons and inspiration.

If you enjoyed this Australian Finance Podcast episode with Everest Wealth, be sure to subscribe on Apple (https://podcasts.apple.com/au/podcast/australian-finance-podcast/id1454193127), Spotify (https://open.spotify.com/show/0KEsqdQgVCL6BKomPoNVOz), YouTube (https://www.youtube.com/channel/UCvOPFdkhCBIK2Y5QbDtOZXA), or wherever you get your podcasts!

Follow us on Instagram (https://www.instagram.com/rask.invest/) and TikTok (https://www.tiktok.com/@rask.invest) for more money and investing content.

Topics Covered

– Scott’s origin story: Soccer dreams, UK banks & BT Financial

– Transitioning from BDM to adviser

– Everest’s founding story and early hurdles

– Growing to 60 staff and 85+ advice plans monthly

– Why Everest focuses on 50-and-under advice

– Everest’s success serving Rask & finance podcast audiences

– Scott’s take on commercial property in super

– Advice for aspiring business owners

– Why Everest starts with one-off advice, not ongoing by default

– Challenges & learnings from building a scaling advice business

– Tips for people starting a business or side hustle

– Financial planning for couples & super balancing

– Credit scores and why they matter (or don’t) in Australia

– Scott’s money lesson to his younger self

~~ Rask Resources ~~
🔗 Explore all Rask services – https://bit.ly/R-services
📋 Get Financial Planning – https://bit.ly/R-plan
📈 Start investing with Rask – https://bit.ly/R-invest
📜 Access Show Notes – https://bit.ly/R-notes
❓ Ask a question – just select the Business Podcast – https://bit.ly/R-quest
📲 Follow us on social media:
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER
This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it.
If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) here: https://www.rask.com.au/fsg.

Learn more about your ad choices. Visit megaphone.fm/adchoices

- Owen & Gemma’s best money saving tip and best investing tip - Free tools to compare ETFs and stocks (like CommSec’s screener) - Bonds – should you only consider them as you get older? - Super strategy – making spouse contributions work - How Raiz rewards and cashback investing really works - Flipping the narrative when your parents struggle financially ~~Books by our team~~ - Gemma Mitchell - Kate Campbell - Drew Meredith - Pete Wargent Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. ~~ Resources for this episode ~~ - ETF compare tools - Buy Gemma’s book The Money Reset - Episode on Inheritance with Besty Westcott - Rask Ten things activity - Ask a question (select the Finance podcast)

~~ Show partner resources ~~ - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds

~~ Rask resources ~~ - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Chapters (approximate)

(00:00) Introduction

(01:51) Portfolio Performance Overview

(06:53) What's going on with NVIDIA?

(10:39) Merger Insights: Solpatz and Brickworks

(19:39) The Allure of Stock Picking

(29:12) AI's Impact on Investing

(30:38) Owen's Crazy Idea

(32:17) Public vs Private Markets

(38:45) The Future of Active Management

(40:48) Drew's Two Asset Class Picks

(42:28) Be More Like Warren Buffet or Charlie Munger?

(44:41) Bridging the Gender Gap in Investing

Resources for this episode

PreSales for Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK

Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

With an estimated $3.5 trillion expected to change hands in Australia over the coming decades, more people will be navigating the financial and emotional realities of receiving an inheritance.

Together, Betsy and Gemma explore: – The emotional weight of receiving a financial legacy – How to manage family dynamics and partner expectations – What to do first (hint: it’s not investing!) – How to seek the right advice and build a trusted team – What happens if you're not expecting an inheritance

This conversation is packed with practical tips and deep emotional insights.

Subscribe to the Australian Finance Podcast on Apple, Spotify, or YouTube to stay up to date.

Topics Covered

– What is the $3.5 trillion intergenerational wealth transfer?

– Giving with warm hands vs inheritance after death

– Emotional responses: grief, guilt, identity shifts

– The pressure to “do the right thing” with inherited money

– Managing inheritances in a couple or family context

– Time-sensitive tax implications for inherited property

– Who to include in your financial "village"

– Roles of a financial adviser, accountant, lawyer & money coach

– Why flexibility and patience are key in early decisions

– Teaching kids about money and building your own legacy

– What to do if you’re not receiving an inheritance

– Why open conversations about money are critical

Resources for this episode

– Betsy Westcott’s Inner Money Journey

~~ Show partner resources ~~

💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler

📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith

📈 View Betashares full range of funds – https://bit.ly/beta-25

~~ Rask resources ~~

🔗 Explore all Rask services – https://bit.ly/R-services

📋 Learn about Rask Financial Planning – https://bit.ly/R-plan

📈 Start investing with Rask – https://bit.ly/R-invest

📜 Access Show Notes – https://bit.ly/R-notes

❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest

📲 Follow us on social media:

Instagram: @rask.invest – https://www.instagram.com/rask.invest/

TikTok: @rask.invest – https://www.tiktok.com/@rask.invest

DISCLAIMER

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.

The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.

Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A, diving into:

- Could you really get stuck in an ETF if you end up with Elon Musk–levels of money?
- Is it better to stick with one ETF provider or spread across a few?

- Should high schools be teaching saving and investing to Year 11 & 12 students?
- How to financially prepare for separation after a long marriage.
- What happens to your FHSSS if you change super funds?

- Plus things to watch out for when changing super funds. 

Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below.

Resources for this episode

- Buy Gemma’s book The Money Reset

- First Home Super Saver Episode

- Ask a question (select the Finance podcast)

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

If you like this Australian Finance Podcast episode, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

PreSales for Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK

Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

If you like this Australian Finance Podcast episode, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

PreSales for Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK

Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

Chapters (approximate)
(00:00) Introduction
(05:08) Transitioning from Spreadsheets to PocketSmith
(07:50) Managing Finances with PocketSmith
(12:48) Do You Need to Track Every Dollar?
(14:23) PocketSmith Features
(15:15) Andrew's PocketSmith Insight
(18:10) Communication in Financial Management
(19:44) Personalisation and Financial Habits
(23:17) Bank Accounts
(28:51) Tips & Tricks for PocketSmith
(36:07) Superpower of PocketSmith
(39:10) Difference in Expense History
(41:06) Budgeting Myths and Misconceptions
(42:56) What Andrew Wishes He Knew at 20

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

- Travel or buy property – which comes first?
- Debt recycling (and whether it works for business).
- When to sell your shares.
- Making wills simple (and cheap).
Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below.

Resources for this episode

PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK

First Home SUper Saver Episode - https://www.youtube.com/live/Tn8KrAF58aw?feature=shared

Owens article on when to sell- https://www.raskmedia.com.au/2023/10/31/10-reasons-to-sell-shares/

Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

– What mortgage brokers actually do

– How they get paid and what it means for you

– How they can help improve your borrowing power

– The must-ask questions before getting a loan

If you liked this Australian Finance Podcast episode on working with mortgage brokers, you’ll love our free Property Buying course. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts!

Follow us on Instagram and TikTok for more investing insights.

Topics Covered

– What does a mortgage broker do?

– Why would you use one over going directly to a bank?

– How mortgage brokers get paid

– How much deposit do you really need?

– What is LMI (Lenders Mortgage Insurance)?

– Are there government schemes or grants you qualify for?

– How to increase your borrowing power

– Should you pay down HECS and buy-now-pay-later debts first?

– What’s the process of getting a loan approved?

– Will your mortgage broker support you after settlement?

– Should you borrow through a trust, company, or as an individual?

– Fixed vs variable rates, offset accounts, redraw facilities

– Do they compare every bank?

– Key risks to watch out for when choosing a broker

~~ Show partner resources ~~

💰 Join Pearler using code “RASK” for $15 of Pearler Credit - https://bit.ly/Pearler

📊 Get 50% off your first two months using PocketSmith - https://bit.ly/R-PocketSmith

📈 View Betashares full range of funds - https://bit.ly/beta-25

~~ Rask resources ~~

🔗 Explore all Rask services - https://bit.ly/R-services

📋 Learn about Rask Financial Planning - https://bit.ly/R-plan

📈 Start investing with Rask - https://bit.ly/R-invest

📜 Access Show Notes - https://bit.ly/R-notes

❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest

📲 Follow us on social media:

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.

The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) - https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

They cover:

– How HYLD is built and what sets it apart from other dividend ETFs

– The ETF ecosystem: index providers, market makers, and transparency

– Why avoiding “dividend traps” matters for income investors

– How HYLD uses yield, volatility, and momentum filters to improve risk-adjusted income

– Monthly distributions and who the ETF might suit

If you like this episode on HYLD and dividend investing, you’ll love our other investing deep-dives. Subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts!

Follow us on Instagram and TikTok for more investing insights.

Topics Covered

– ETF ecosystem explained: roles of index providers, ETF issuers, and market makers

– Why ETFs can be tax effective for high-income earners

– Construction rules for HYLD: consensus dividend estimates plus market-based signals

– Avoiding stale data and dividend traps (examples: AMP, Star Entertainment)

– Filters: yield >12%, worst momentum, and risk-adjusted yield exclusions

– HYLD’s current yield vs. the broad market

– Turnover and its impact on tax efficiency

– Why HYLD pays monthly distributions

– Core vs. satellite ETF use cases

– Comparing HYLD to bonds and other dividend ETFs

Resources for this episode

NEW: Betashares High Yield Shares ETF
Cam's article on dividend traps

~~ Show partner resources ~~

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~~ Rask resources ~~

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DISCLAIMER

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.

The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg

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Should I be doing anything with the new interest rate drop? Will my rate automatically change?

- How does someone invest in a company prior to its IPO?

- Is it better to invest as a couple or separately?

- I’m in my 40s, new to Australia. What should be my strategy to increase super?

- Flipping trash- When is it a hobby vs a business? 

- Plus they chat about the newest ETFs to hit the market… A300 and HYLD.

Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below.

Resources for this episode

- Sign up for the Ladies Finance Club Online summit- https://www.ladiesfinanceclub.com/online-wealth-summit-2025

- PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK

- Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

From free courses to tools and downloads, these are perfect whether you’re just starting out or ready to refine your money game.

No fluff, just the good stuff.

Podcasts https://www.raskmedia.com.au/podcasts/

Courses https://education.rask.com.au/

Community https://community.rask.com.au/users/login

15 min chat-  https://calendly.com/gemma-rask/quick-chat-rask

Got a question for our friday Q&A sessions? Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

From buying a house, to investing and when you should be paying attention to super- we are covering:

• What should we be focusing on at different ages

• Investing vs paying down debt at different stages

• Tips and traps for different ages

Keen to hear more? Check out our other episodes on the Australian Finance Podcast.

Want property tips? make sure you check out other episodes of the Australian Property Podcast.

Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Rask Resources

Pete's Buyers Agency: https://www.allenwargent.com.au

PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK

Amy Lunardi Buyers Agency (Melbourne) www.amylunardi.com.au 

Alcove mortgage broking: https://www.raskmedia.com.au/services/mortgage-broking 

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

- Why some people invest through bucket companies
- If you actually need a lot of money to see a financial adviser

- What to do once you’ve fully debt recycled your home loan

- Whether fees in your super are tax-deductible
- Is it still worth having a family trust if it’s not saving you tax (yet)?
- And how to clean up your financial life if it feels like a mess

Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below.

Chapters (approximate)

00:00 Introduction

04:15 Investment Bonds: Are They Worth It?

07:17 Understanding Bucket Companies and Tax Strategies

10:18 Building Wealth on an Average Income

13:03 Active vs Passive ETFs: What You Need to Know

16:16 The ASX 200: How Are Companies Selected?

19:44 Understanding the ASX 200

21:53 The Value of Financial Advisors

23:29 When to Seek Financial Advice

25:40 Portfolio Construction: Soulpats vs. ETFs

27:08 Superannuation Fees and Tax Deductions

31:06 The Role of Family Trusts

35:55 AI's Impact on Society

37:57 Debt Recycling Strategies

40:14 Cleaning Up Your Finances

Resources for this episode

- Sign up for the Ladies Finance Club Online summit- https://www.ladiesfinanceclub.com/online-wealth-summit-2025

- Epiosde- Family Trusts: https://youtu.be/wLBybwjbHBc?feature=shared

- Get Rich Quick episode- https://youtu.be/ApxQv4ddRqk?feature=shared

- Books we recommended: Emma Edwards Good with Money. Victoria Vivente Know Your Worth. Queenie Tan The Fun Finance Formula

- PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK

- Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

He draws inspiration from Charlie Munger, Queenie Tan, and the concept of the “cashflow quadrant” to help listeners structure their financial journey through saving, side hustles, smart property strategy, and good investing habits.

If you like this episode of The Australian Finance Podcast, subscribe for free on Apple (https://podcasts.apple.com/au/podcast/australian-finance-podcast/id1454193127), Spotify (https://open.spotify.com/show/0KEsqdQgVCL6BKomPoNVOz), YouTube (https://www.youtube.com/channel/UCvOPFdkhCBIK2Y5QbDtOZXA), or wherever you get your podcasts!

Follow us on Instagram (https://www.instagram.com/rask.invest/) and TikTok (https://www.tiktok.com/@rask.invest) for more insights.

Topics Covered

– Why “get rich quick” is a myth

– Charlie Munger: Why the first $100k is the hardest

– Queenie Tan explains compounding from $100k to $1m

– 5 ways to reach $100,000 fast

1. Free financial education

2. Hard work + saving

3. Creative side hustles

4. Having high levels of personal agency

5. Focus + career specialisation

– Using the Cashflow Quadrant: PAYG → Contractor → Business Owner → Investor

– Why buying a property first can unlock faster wealth

– Debt recycling strategy: property + shares = turbocharged

– Why millionaires have 7 income streams

– How to invest reliably (not speculatively)

– Surrounding yourself with ambitious people

– Taking full responsibility for your money

Resources for this episode

📊 Rask’s free ETF Investing Course – https://education.rask.com.au

📋 Learn about Rask Financial Planning - https://bit.ly/R-plan

🔗 Explore all Rask services - https://bit.ly/R-services

📈 Start investing with Rask – https://bit.ly/R-invest

📜 Access Show Notes - https://bit.ly/R-notes

❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest

📲 Follow us on social media:

Instagram: @rask.invest - https://www.instagram.com/rask.invest/

TikTok: @rask.invest - https://www.tiktok.com/@rask.invest

DISCLAIMER

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.

The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) - https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

– What defined income ETFs are and how they work

– The difference between traditional bond ETFs and fixed-term ETFs

– How ETFs like 28BB, 29BB and 30BB offer fixed maturity dates and steady distributions

– Why these ETFs are gaining attention in a falling interest rate environment

– How defined income ETFs compare to term deposits

If you like this Australian Finance Podcast episode on generating reliable income from ETFs, be sure to subscribe for more expert insights on Apple, Spotify, YouTube, or wherever you get your podcasts!

Follow us on Instagram and TikTok for more investing tips.

Topics Covered

– What is Defined Income?

– The Need for Predictable Income in Today’s Market

– Traditional Bond ETFs vs Defined Income ETFs

– How Fixed-Term ETFs Like 28BB, 29BB, 30BB Work

– Understanding Yield to Maturity and Monthly Distributions

– ETF Liquidity and Exit Options Before Maturity

– Capital Certainty: Why This Matters to Investors

– Use Cases for Retirees, Savers, and Term Deposit Alternatives

– The Role of AAA (Cash ETF) and OZBD in a Defensive Portfolio

– How to Blend Fixed-Term ETFs into Your Strategy

– Risks, Credit Quality, and RBA Rate Cuts

– What Happens at Maturity and Rolling to New Series

Resources for this episode

Ask a question – just select the Finance Podcast – https://bit.ly/R-quest

~~ Show partner resources ~~

💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler

📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith

📈 View Betashares full range of funds – https://bit.ly/beta-25

~~ Rask resources ~~

🔗 Explore all Rask services – https://bit.ly/R-services

📋 Learn about Rask Financial Planning – https://bit.ly/R-plan

📈 Start investing with Rask – https://bit.ly/R-invest

📜 Access Show Notes – https://bit.ly/R-notes

❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest

📲 Follow us on social media:

Instagram: @rask.invest – https://www.instagram.com/rask.invest/

TikTok: @rask.invest – https://www.tiktok.com/@rask.invest

DISCLAIMER

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.

The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Your questions answered today:

- Tax deductibility of advice fees

- Choosing individual shares as a beginner ETF investor

- Long-term impact of volatility decay in geared ETFs

- Ideas for diversifying beyond VAS and VGS (including VAE)

- Understanding ETF diversification with just VAS and VGS

- Comparing ETF management fees and what really matters

Resources for this episode

- Betashares episode- Currency hedging explained: what Aussie investors need to know

- PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK

- Ask a question (select the Finance podcast): https://bit.ly/R-quest 

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan 

Invest with us: https://bit.ly/R-invest 

Access Show Notes: https://bit.ly/R-notes 

Ask a question: https://bit.ly/R-quest 

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

#finance #asx

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Today, Gemma Mitchell is joined by Financial Adviser Tahli Cavagnino to bring you three simple money maths concepts everyone should know. Spoiler: you don’t need to be a maths whiz to build wealth. These formulas are basic, practical, and seriously helpful.

In this episode, you’ll learn:

– The Rule of 72 – How long it takes to double your money

– The FIRE Number (x25 Rule) – How much you need to live off your investments

– The 4% Rule – How much you can safely withdraw each year in retirement

These are must-know money shortcuts for anyone wanting to take charge of their future, no complicated maths needed.

Resources for this episode

Presales for Gemma’s book “The Money Reset”

https://amzn.to/42Uz0aK

Ask a question (select the Finance podcast)

https://bit.ly/R-quest

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds: https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

#finance #asx

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Whether you’re new to managing your money or ready to level up, this episode covers:

– Education, advice, and the value of financial planning

– Creating clear goals and a realistic budget

– Dealing with debt and cash flow

– Investing with confidence and starting now

Alex shares insights from years of working with clients at all stages of life and helps unpack what’s really important when it comes to building wealth sustainably.

Subscribe on Apple, Spotify, YouTube, or wherever you listen to great podcasts.

You can follow Rask on Instagram and TikTok for quick financial tips.

Topics Covered

– Why a financial fresh start in July matters

– How to set achievable money goals

– The role of education vs. advice

– Dealing with analysis paralysis

– Credit card, buy now pay later, and debt payoff strategy

– How to talk money with your partner

– Aligning your spending to your values

– How to make your first investment today

– What Everest Wealth does for clients across Australia

– Why personal finance is a series of small wins

Resources for this episode 📄 Learn more about Everest Wealth and book a free chat: 👉 https://everestwealthgroup.com.au/

🧮 Free course: How to plan your financial goals – https://education.rask.com.au

~~ Show partner resources ~~

💰 Join Pearler using code “RASK” for $15 of Pearler Credit - https://bit.ly/Pearler

📊 Get 50% off your first two months using PocketSmith - https://bit.ly/R-PocketSmith

📈 View Betashares full range of funds - https://bit.ly/beta-25

~~ Rask resources ~~

🔗 Explore all Rask services - https://bit.ly/R-services

📋 Learn about Rask Financial Planning - https://bit.ly/R-plan

📈 Start investing with Rask - https://bit.ly/R-invest

📜 Access Show Notes - https://bit.ly/R-notes

❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest