Australian Finance Podcast

AI is one of the biggest investing themes in markets right now, but the smarter question is not just whether OpenAI, Anthropic or Nvidia win. It is who else makes money when AI demand explodes. In this Australian Finance Podcast episode, Owen Rask is joined by Cameron Gleeson from Betashares to unpack the AI supply chain from hyperscalers, semiconductors and cloud infrastructure through to copper, energy, uranium and the broader commodities complex needed to build and power data centres. They discuss whether AI already looks like a bubble, who is making the money across the hardware, cloud and application layers, and why listed-market investors may need to think beyond the obvious names. The conversation also explores ETFs such as NDQ, ASIA, XMET, FUEL, QAU and MNRS, plus the case for a barbell portfolio that blends technology exposure with hard assets. If you want a practical, non-hype guide to investing in AI beyond the chatbot headlines, this episode is a strong place to start. Episode resources – Buy Gemma’s book “The Money Reset” – Speak with the Rask Advice team – 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)

In this Australian Finance Podcast episode, Owen Rask is joined by Hugh Lam from Betashares to build a six-ETF watchlist for investors chasing passive income without sleepwalking into yield traps. Rather than treating income as a race to the highest percentage, they step through where ETF income actually comes from, why total return still matters, and how to think about blending shares, bonds, credit and cash inside one portfolio. Hugh brings three Betashares ideas to the table: ROYL for global royalties, INCM for global dividend-paying companies, and ECRD for enhanced credit income. Owen counters with HYLD for Australian dividend and momentum exposure, GGOV for long-duration US Treasuries, and MMKT for money-market cash exposure. Along the way, they explain why a 7% yield is not automatically better than 4%, how rebalances and capital gains can distort payout figures, and why investors need to look under the hood before buying any income ETF. The conversation also unpacks the trade-offs that matter most in 2026: dividend traps, duration risk, leverage inside credit products, and the role cash-like ETFs can play when markets get jumpy. If you want a practical framework for researching passive-income ETFs, comparing yield with quality, and building a more resilient portfolio, this episode is a strong place to start. Episode resources – Buy Gemma’s book “The Money Reset” – Speak with the Rask Advice team – Ask a question (select the Finance podcast) Show partner resources – View Betashares range of funds – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Get 50% off your first two months using PocketSmith 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 shou

This episode was originally featured on The Australian Investors Podcast. In this episode, Owen Rask sits down with Senator Andrew Bragg for a wide-ranging conversation about the Federal Budget, housing supply, tax, productivity and why so many Australians feel the country has become harder to get ahead in. Rather than getting stuck in party talking points, they focus on the practical questions investors, business owners and workers are asking right now: what happens when policy makes it harder to build homes, why does productivity matter so much for living standards, and how do taxes, regulation and incentives shape whether Australia creates more wealth or simply fights over what already exists? Andrew explains why he believes cutting housing supply is one of the worst policy choices Australia can make, how rising rents, higher rates and broader cost-of-living pressure are changing the national mood, and why small business, private investment and simpler rules still matter if Australia wants to stay competitive. The conversation also touches on super, the role of large institutions, and why clearer economic thinking matters more when confidence is low. Owen pushes on the bigger picture too: whether Australia has lost ambition, why the policy debate feels less honest than it should, and what needs to change if Australians want better opportunities over the next decade. If you want a plain-English discussion about housing, tax, productivity, competitiveness and the long-run direction of Australia, this is a timely episode to queue next. Episode resources – Buy Gemma’s book “The Money Reset” – Speak with the Rask Advice team – 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 o

How rich are you really, and how do you stack up against other Australians? In this episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack early results from Rask’s free Wealth Checker after around 3,000 community members benchmarked their finances. Together, they explore what the data says about net worth, debt, super, property, shares and crypto, and why context matters more than comparison alone. Owen and Gemma break down some of the standout findings so far, including the age groups with the highest crypto balances, when men and women typically hit millionaire and multi-millionaire status, and how wealth gaps widen over time. They also look at why property still dominates household wealth, what the data suggests about debt and business ownership, and why benchmarking can be reassuring when you feel behind. Instead of doom-scrolling everyone else’s wins, this conversation shows how tracking your own net worth can help you spot progress, reset goals and focus on the decisions that actually move the needle. If you want a practical, data-led look at what wealth really looks like in Australia, plus a simple way to check your own numbers, this is a great episode to queue up. Episode resources – Try the Rask Wealth Checker – Buy Gemma’s book “The Money Reset” – Speak with the Rask Advice team – 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 fina

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell dive into money coaching, financial advice, and the simple 5-step framework anyone can use to take control of their finances. They cover: – The difference between education, coaching, and financial advice – Why most people aren’t as “bad with money” as they think – Real-life insights from working with Christian Hull – How mindset, behaviour, and systems shape your financial success If you like this Australian Finance Podcast episode on money coaching and financial clarity, 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 difference between podcasts, money coaching & financial advice? – Education vs action vs strategy: what actually drives change – Inside money coaching: what a session really looks like – Case study: Christian Hull’s money journey – Why high income doesn’t equal confidence with money – The role of mindset, behaviour & organisation in financial success – Common money beliefs: “I’m bad with numbers” & control vs clarity – Quick wins in coaching: simple changes that make a big impact – Building systems: accounts, habits & routines that support success – When to introduce tools like PocketSmith – Identifying spending problem areas without tracking everything – Connecting goals, cash flow & long-term planning Episode resources – Download your workbook here – Buy Gemma’s book “The Money Reset” – Speak with the Rask Advice team – 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 – A

ETF tax, kids’ investing, retirement timing and super all in one Q&A? That is what Owen Rask and Tahli Cavagnino tackle in this practical Australian Finance Podcast episode. The episode opens with the tax questions investors often avoid: capital gains, franking credits, ETF cost-base adjustments and US income. Navarre from Navexa joins to explain why record-keeping becomes harder the longer you have been dollar-cost averaging. Then the conversation moves to everyday decisions people actually wrestle with: changing careers into financial advice, when to move on from a Raiz account, how to think about kids’ investing structures, and why retirement is usually about sequencing the right decisions rather than finding the perfect month to stop work. The final question asks whether buying the dip inside super is worth it. Owen and Tahli explain why long-term contribution strategy and asset allocation usually matter more than trying to time the market. If you want a useful Q&A on tax, retirement, kids’ investing and super, this one delivers. Episode resources – RASK Tax For Kids overview report – Retirement Academy course – Navexa – Hypothetical S&P 500 chart – Buy Gemma’s book “The Money Reset” – Speak with the Rask Advice team – 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,

Your 30s can be one of the most important decades for building wealth, but they can also be one of the messiest. A mortgage, family plans, career pressure and day-to-day cash flow can make investing feel a lot more complicated than it did in your 20s. In this Australian Finance Podcast episode, Owen Rask is joined by Hugh Lam from Betashares to break down how ETF investors can think about their 30s with more confidence. They unpack what a low-cost core portfolio can look like, how many ETFs is probably enough, and why defensive assets can still matter even if retirement is decades away. You’ll also hear how to think about Australian shares versus global shares, why performance chasing can hurt long-term results, and how to build something simple enough to stick with when life gets busy. If you’re trying to invest while juggling a mortgage, kids, career growth and real-world expenses, this episode is packed with practical perspective. Episode resources View Betashares funds Speak with Rask Advice Ask a question Buy Gemma’s book “The Money Reset” 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

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell wrap up the ETF mini-series by showing you exactly how to get started. After learning what ETFs are, how they work, how to research them, and how to build a portfolio, this episode turns knowledge into action with a simple step-by-step guide. They cover: - What you need to start investing in ETFs - How to place your first trade - How to build a long-term investing habit - What to expect once you’re invested If you like this Australian Finance Podcast episode on ETFs, 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 you need to begin investing: - Brokerage account (HIN vs custodial) - Micro-investing apps vs traditional brokers - Bank account setup - How to place your first ETF trade (step-by-step overview) - How much money you need to start (and why small amounts are okay) - Micro investing explained - Ongoing strategy: - Regular investing (dollar-cost averaging) - Long-term investing vs short-term trading - What to expect as an investor: - Market ups and downs - Staying consistent through volatility - What to do after you invest: - Updating your share registry details - Understanding your tax responsibilities - What is a DRP (Dividend Reinvestment Plan)? - DRP pros and cons - Building confidence and taking action Resources for this episode - Download the ETF mini series checklist here - 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 - TikTok DISCLAIMER: This podcast cont

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell continue the ETF mini-series by helping you actually build your ETF portfolio. After learning what ETFs are, how they work, and how to research them, this episode focuses on decision-making—how to choose ETFs, structure your portfolio, and grow with confidence over time. They cover: - How to build a simple ETF portfolio from scratch - The role of asset allocation and diversification - Common beginner building blocks like A200 and global ETFs - How your portfolio evolves as you become more experienced If you like this Australian Finance Podcast episode on ETFs, 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 - Recap: Risk profiles and choosing suitable ETFs - Understanding risk in your portfolio: - Market ups and downs - Not all ETFs are equal - Overconcentration risk (e.g. all Aussie shares) - What is asset allocation? - How diversification works in a portfolio - Simple portfolio frameworks: - Core and satellite approach - Beginner ETF building blocks: - Australian shares ETF (e.g. A200) - International shares ETF - Bonds ETFs - How many ETFs should you have? - Avoiding ETF overlap (and how to check it) - How your portfolio evolves over time (beginner → advanced) - Common mistakes: - Trying to build the perfect portfolio from day one - Holding too many ETFs - Keeping your strategy simple and repeatable Resources for this episode - Download the ETF mini series checklist here - 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 - <a hr

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell continue the ETF mini-series by showing you how to research and compare ETFs like a pro. After learning what ETFs are and how they work in episodes one and two, this episode focuses on building trust and confidence when choosing between similar ETFs. They cover: – How to research ETFs using a simple checklist – The key documents you need (like the PDS) – How to compare performance, fees and fund size – Why similar ETFs can still be very different If you like this Australian Finance Podcast episode on ETFs, 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 – Why ETFs are used by both beginners and advanced investors – Why similar ETFs aren’t always identical – How to research an ETF step-by-step – What is a PDS (Product Disclosure Statement)? – Key documents to review before investing – Comparing ETF performance (and why past performance isn’t everything) – How ETF prices actually work – Does fund size matter? – Does ETF price matter ($5 vs $100)? – ETF research checklist: – Index (what does it track?) – Fees (MER / management costs) – Long-term performance – Fund size (FUM) – Common investor questions: – Should you hold multiple similar ETFs? – Is that real diversification? – Why choose one ETF over another? – Do lower fees always win? – What if an ETF is new with limited history? – When ETFs work well (long-term investing) – When ETFs might not suit your strategy Resources for this episode - Download the ETF mini series checklist here - 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: - <

What does the 2026 Federal Budget actually mean for your money once you cut through the noise? In this Australian Finance Podcast Q&A, Owen Rask and Gemma Mitchell unpack the biggest proposed changes and explain what they could mean for everyday Australians, investors and retirees. The episode walks through the headline issues people are asking about right now: proposed changes to the capital gains tax discount, new limits on negative gearing, what discretionary trust changes could mean for families and business owners, and why super may have become even more attractive if the proposed settings go ahead. Topics covered: - Capital gains tax discount changes - Negative gearing and property investing - Trust changes and tax planning - Super in your 50s and retirement planning - ETF tax record-keeping and cost base issues - Single-parent money questions and household impacts - EV incentives and what they could mean Episode resources - Buy Gemma’s book “The Money Reset” - Speak with the Rask Advice team - 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

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell continue the ETF mini-series with a deeper dive into how ETFs actually work. After covering the basics in episode one, this episode focuses on building your confidence by explaining how you make money from ETFs, what’s happening behind the scenes, and how to think about risk. They cover: - How ETFs generate returns through capital growth and distributions - What’s inside an ETF and how index tracking works - The difference between passive and thematic investing - How to assess risk and choose the right ETF for you If you like this Australian Finance Podcast episode on ETFs, 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 - Recap: What is an ETF? - How you make money from ETFs: - Capital growth - Dividends (distributions) - Who makes money: fund managers & fees explained - What is an ETF “risk profile”? - Understanding risk levels: - What’s inside an ETF (holdings explained) - What is an index? (ASX 200, S&P 500 examples) - How index tracking works - What is passive investing? What is thematic investing? - Ethical ETFs explained - How to read ETF names & tickers - Beginner mistakes to avoid: - Thinking you must pick individual stocks inside ETFs - Misunderstanding daily price movements - Long-term mindset when investing in ETFs Resources for this episode - Download the ETF mini series checklist here - 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 - TikTok DISCLAIMER: This podcast contains general financial i

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell kick off a 5-part ETF investing mini-series by breaking down what ETFs actually are and why they’ve become so popular. Over this series, you’ll learn how to research, compare and build your own ETF portfolio with confidence. In this first episode, we focus on the foundations and remove the intimidation around getting started. They cover: - What an ETF is (and what it’s not!) - What “exchange traded fund” actually means - Why ETFs have grown so quickly in Australia - The key benefits: low cost, diversification and simplicity - How ETFs compare to shares and managed funds If you like this Australian Finance Podcast episode on ETFs, 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 an ETF (and not an EFT)? - Breaking down the name: Exchange, Traded, Fund - “A basket of investments in one trade” explained - What is a share? - Why ETFs have grown rapidly (230 → 422 ETFs) - Accessibility: how easy it is to start investing - Low cost investing explained - Diversification and reducing analysis paralysis - Transparency: knowing what you own - ETFs vs Shares (one company vs many) - ETFs vs Managed Funds (listed, tradable, often cheaper) - Types of ETFs: - Shares ETFs - Bond ETFs - Gold ETFs - Cash ETFs - Thematic ETFs - How ETFs can help you grow wealth over time - Simple investing strategy: small, consistent investing Resources for this episode - Download the ETF mini series checklist here - 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 - <a href="https://raskau.t

In this Australian Finance Podcast episode, your host Gemma Mitchell kicks off Episode 1 of the Christian Hull ‘Hot-Mess Money Makeover’ coaching series. With over six million followers, Christian Hull is no stranger to attention—but managing money behind the scenes is a different story. In this episode, they cover: - Christian’s current financial confidence and stress levels - How Christian’s business works and how he makes money - What his cash flow looks like right now - The money goals he wants to achieve - Why expensive lights and tiny homes are part of the plan As highlighted in previous Rask episodes, your relationship with money plays a huge role in financial success—often more than income alone. If you like this Australian Finance Podcast episode, 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. Resources for this episode Buy Gemma’s book “The Money Reset” Speak with the Rask Advice team Ask a question (select the Finance podcast) Show partner resources Download your workbook here 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 financ

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell unpack more listener questions around investing strategy, superannuation, and navigating today’s economic environment. They cover: – How to split investments inside vs outside super – Whether you’re still eligible for first home buyer grants – How to think about investing during global uncertainty – Super vs ETFs vs property: where should you focus? If you like this Australian Finance Podcast episode, 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 – Investing Inside vs Outside Super (Core Principles) – Early Retirement Strategy (Bridging the Gap to Preservation Age) – Contribution Caps & Tax Advantages of Super – Why High-Income Earners Often Maximise Super Later – First Home Owner Grant (FHOG) Rules Explained – Does Owning Property Previously Disqualify You? – Investing During Geopolitical Uncertainty (2026 Mindset) – Is It Okay to Benefit Financially From Crisis? – Super vs ETFs vs Property: Key Trade-Offs – Should You Focus on One Strategy or Diversify? – Building Wealth on a Lower Income – Sequencing Your Financial Priorities in Your 20s 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 Episode resources - Check your eligibility for VIC first home owner grants - Ethical investing course by Rask 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 Pod

AI can now generate prototypes, content and product ideas at speed — but Figma’s Andrew Hogan says the real edge is still human judgment. In this episode, Owen Rask chats with Andrew about what AI is changing inside teams, why design is becoming more valuable, and how leaders are using better tools to communicate ideas with more clarity. They explore why senior designers may be worth more than ever, how non-designers are increasingly doing design work, and why businesses are taking on bigger projects because AI expands what feels possible. If you want to understand where AI is creating value, how creativity is changing, and what this means for product teams, founders and investors, this is a sharp and practical conversation. Resources for this episode Buy Gemma’s book “The Money Reset” Speak with the Rask Advice team 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 <a hr

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell tackle real listener questions on navigating big financial decisions. They cover: - What to do when you receive a $1m inheritance - How to think about rising insurance premiums in super - The reality of buying a home as a single person today - The key wealth trends shaping Australian households If you like this Australian Finance Podcast episode, you'll love our series. Don't forget to subscribe for weekly shows on: - Apple - Spotify - YouTube, or wherever you get your podcasts! Topics covered: - What to Do With a $1m Inheritance (First Steps) - Building Confidence When You’ve Never Had Wealth Before - Structuring Investments for Long-Term Growth - Should You Seek Financial Advice After an Inheritance? - Insurance Premiums Rising Inside Super (TPD, Life, Income Protection) - How to Review and Optimise Your Insurance Cover - The Trade-Off Between Cover and Retirement Savings - One Financial Tip for Retirees (Owen vs Gemma) - Is Home Ownership Still Achievable for Singles? - Trends: More Australians Buying Alone - Wealth Data: Property & Super Dominance in Australia - Mindset Shifts for Modern Wealth Building Resources for this episode Buy Gemma’s book “The Money Reset” Speak with the Rask Advice team 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 mea

Discover why the traditional path to buying your first home no longer works, the trade-offs modern buyers must make, and how to rethink home ownership in today’s market. In this Australian Finance Podcast episode, your host Gemma Mitchell is joined by Lucinda Hartley, author of Finding Home, to unpack what’s really changed when it comes to buying your first home. They cover: – Why the traditional “rulebook” no longer applies – How first home buyers need to rethink what “home” means – The key trade-offs you must understand before buying – How to approach home ownership in a way that fits your life today Topics Covered – Why the First Home Buyer Rulebook is Outdated – Then vs Now: What’s Changed in the Property Market – Rethinking What “Home” Means – The First Question Buyers Should Ask Themselves – Housing as “Success” vs Housing as “Security” – Is “Worst House, Best Street” Still Relevant? – Suburb vs Property: What Matters More Today – Changing Buyer Preferences (Apartments, Location, Lifestyle) – The Impact of Government Grants & Incentives – Is the 30% Housing Rule Still Realistic? – The Trade-Off Triangle Explained – The 10 Lifestyle Trade-Off Lenses – Common Trade-Offs Buyers Regret – Defining Your Non-Negotiables Before Buying – Credit Scores: What Actually Matters – Final Advice for First Home Buyers Resources for this episode Connect with Lucinda: Finding Home – Lucinda Hartley Buy Gemma’s book “The Money Reset” Speak with the Rask Advice team 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

In this episode of the Australian Finance Podcast, Owen is joined by Emily from the Rask design team for a practical conversation about money in your 20s. Together they unpack the real questions younger Australians face when life is moving quickly and the pressure to “figure it out” feels intense. Emily shares what changed after moving from New Zealand to Melbourne, learning how Australia’s super system works, trying micro-investing for the first time, and setting a goal for her first ETF investment. They also tackle the big decisions that come up early: should you build cash savings or invest first, how do you prepare financially before moving overseas, what should you actually do about super in your 20s, and how can you save for a house deposit when rent and the cost of living keep climbing? There is also an honest discussion about the social side of money, including how to handle friendships when other people seem to earn more and want to spend more. It is a useful reminder that financial progress is not about keeping up appearances, but about building habits that match your goals and values. If you want a grounded, practical starting point for saving, investing and building confidence with money, this episode is for you. Resources for this episode Buy Gemma’s book “The Money Reset” Speak with the Rask Advice team 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 a

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell break down sudden wealth events, and what happens when life goes from “normal” to financially complex overnight. They cover: – What counts as a sudden wealth event – Why more money does not always mean less stress – The emotional side of inheritance, guilt, pressure, and decision fatigue – What changes when your wealth jumps quickly – Why structure, tax, protection, and estate planning matter more than ever If you like this Australian Finance Podcast episode on sudden wealth events, 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 a Sudden Wealth Event? – Why Fast Money Can Create Fast Complexity – Myth: More Money = Less Stress – The Great Wealth Transfer in Australia – Inheritance, Insurance Payouts & Business Sales – The Shift from Budgeting to Structuring – The Shift from Saving to Protecting – The Shift from Accumulation to Strategy – Sudden Wealth Syndrome: What It Is – Overwhelm, Anxiety & Decision Fatigue – Guilt, Family Pressure & Changing Relationships – Why Tax Becomes a Bigger Lever – Structuring, Trusts & Ownership Decisions – Asset Protection & Estate Planning – Separating the Emotional Response from the Practical Plan – Why Doing Nothing Quickly Can Be Smart – Building a “Sleep at Night” Plan – What to Do Before You Act on a Windfall – When to Get Advice Early 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! <p

In this Australian Finance Podcast episode, your host Owen Rask is joined by Brian Parker, Chief Economist of Australian Retirement Trust (ART), to discuss how ART thinks about runway, portfolio construction, private markets and when volatility becomes opportunity. They cover: - What a chief economist actually does and how ART turns research into portfolio action. - How “super money” is different: time horizon, tax wrapper and the power of compounding. - Geopolitics, inflation and how ART assesses signals in a multipolar world. - AI — threat vs opportunity, productivity wins, and policy implications for workers. - Why private assets and inflation-linked income matter in portfolio construction. If you like this Australian Finance Podcast episode 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. - What does a Chief Economist do? - How super funds invest differently (decades, not months) - Why market volatility = opportunity - The impact of geopolitics (Ukraine, Middle East, trade tensions) - Inflation vs deflation: what’s really happening - How AI could reshape the global economy - Why diversification is the “only free lunch” - The role of private assets (infrastructure, property, private equity) - Why super funds can access investments you can’t - Real returns: why inflation matters for your future - How to think long-term about your super Resources for this episode Learn more about Australian Retirement Trust here 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! <

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell break down what rising interest rates actually mean for your money — and how you can benefit if you’ve got cash sitting in the bank. They cover: – Why rate hikes aren’t all bad news – Who wins and loses when interest rates rise – How savings accounts really work (and where banks get you) – Why chasing the highest rate isn’t always worth it – Simple, practical tips to make your cash work harder If you like this Australian Finance Podcast episode on interest rates and saving, 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 – Why everyone hates rate hikes… unless you’ve got cash – What’s happening with interest rates right now – Why banks don’t always pass on rate rises immediately – Who loses: mortgage holders and borrowers – Who wins: savers, first home buyers, retirees – How savings accounts actually work – The fine print: bonus rates, conditions and traps – Common bank tricks (and how to avoid them) – Why chasing the “best” rate can backfire – Example: is a higher rate really worth switching? – How to avoid analysis paralysis – Simple systems to maximise your interest – Final tips: automation, reminders, and staying consistent Resources for this episode - Spreadhseet - 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 full range of funds Rask resources 🔗 Explore all Rask services 📋 Learn about Rask Financial Planning 📈 Start i

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell dive into a listener Q&A covering real-life money challenges and wins. They cover: – Celebrating a listener hitting $5k in savings early in the year – Whether to focus on mortgage repayments or start investing – How to begin investing with just $2–5k – Financial Infidelity and coming back from gambling debt – How to structure assets for retirement income – What you need to know about changes to credit card surcharges – The government announcement to cut fuel excise for three months and what it means for your budget If you like this Australian Finance Podcast episode, 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 – Listener win: saving $5k through expenses & income growth – Cutting costs: insurance, utilities & selling unused items – Mortgage vs investing: how to think about the trade-off – Balancing debt reduction and long-term investing – When financial advice is worth paying for – Managing money when one partner isn’t engaged – Starting to invest with $2k–$5k – ETFs vs savings: where to begin – Building habits before scaling investments – Retirement planning basics: what does “work optional” mean? – Using assets in retirement: property, shares, super & cash – The order of drawdown in retirement Resources for this episode Free Rask Retirement course Finders Keepers challenge tracker and workbook 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

Mitchel Sneddon sits down with Hayden Smith, co-founder of Pearler, to unpack whether FIRE is still achievable and what actually drives financial independence today. The conversation moves beyond theory into the real levers — spending, income, behaviour and simple ETF investing — and reframes investing as a tool, not the solution. Together they discuss: – FIRE remains achievable, but outcomes are driven by income, spending and family choices, not markets alone – Cutting spending is still the fastest and most controllable lever – A simple rule of thumb that anyone can start with – Many investors stall due to analysis paralysis on ETFs, when early decisions have minimal long-term impact – Starting small builds engagement and accelerates understanding – Growth vs income portfolios are shaped by tax position and psychology, not just returns or theory – Investing is not the solution — earning more or spending less drives wealth, with investing acting as a catalyst 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

In this Australian Finance Podcast episode, your host Owen Rask is joined by Senior financial adviser at Rask Advice, Chamil Peiris to answer listener questions on estate planning, superannuation and SMSFs. They cover: – What to do with leftover funeral insurance money – Whether you need a will in your 20s – How super beneficiaries actually work – The difference between SMSFs and industry funds for estate planning If you like this Australian Finance Podcast episode, 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 to Do With Funeral Insurance Leftovers – Tax Considerations on Insurance Payouts – Emergency Funds vs Investing Lump Sums – Do You Need a Will in Your 20s? – What Happens If You Die Without a Will (Intestacy Rules) – Who Gets Your Assets Automatically? – Superannuation Death Benefits Explained – Binding vs Non-Binding Nominations – What Happens If You Don’t Nominate a Beneficiary – SMSFs vs Industry Funds for Estate Planning – Control, Flexibility & Risks of SMSFs – When an SMSF Might (and Might Not) Make Sense Financial planning Retirement Academy Free Super course Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your host Owen Rask is joined by Rask Advice Associate Milli Russell to unpack Milli’s journey into financial advice, alongside answering your biggest money questions. They cover: – Milli’s pathway from school to financial planning – What it actually takes to become a financial adviser – How the industry is changing post-Royal Commission – Real-world answers to listener questions on mortgages, ETFs, and investing Topics Covered – Why Milli chose a career in finance – The snow trip story: Advanced Sport → Accounting – Discovering a passion for accounting and business in school – Pivoting from accounting to financial planning – The real financial adviser career pathway – Study requirements & professional year (PY) – Being young and female in finance – The impact of the Royal Commission on the industry – Why financial advice is rewarding – Working with pre-retirees & retirees – Listener Question: Fixing vs variable mortgage decisions – Listener Question: SpaceX IPO & ETF impacts – Listener Question: Shares vs property vs cash for young investors – Spending vs investing vs enjoying life Resources for this episode 📄 Learn more about topics discussed in this episode: What is an IPO (Initial Public Offering)? How ETFs work (S&P 500, Nasdaq exposure) Understanding fixed vs variable interest rates What is a financial adviser & how to become one Superannuation basics for retirement planning ~~ 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.

In this Australian Finance Podcast episode, your hosts Pete Wargent of Allen Wargent Property Buyers and Gemma Mitchell from Rask discuss whether first homebuyers should use the 5% deposit scheme. Here’s what they cover: -Criteria for qualifying for the new scheme  -The new property price caps -Getting the right loan -Managing cashflows -Retaining a buffer -The benefits of using the 5% deposit scheme -The risk and the drawbacks And their summary thoughts and tips.  This episode was originally featured on The Australian Property Podcast. 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

If you like this Australian Finance Podcast episode, 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 PocketSmith and how does it track spending data? – Understanding the Global Spending Map – Mortgage spending trends in Australia vs NZ vs US – Why Australian mortgage costs have doubled in five years – Fixed vs variable mortgages across different countries – Rent increases and housing pressures in the US – Institutional landlords and rental markets explained – Are renters under more pressure than homeowners? – Utility spending trends across Australia and New Zealand – Why NZ energy costs swing more seasonally – How geography and energy infrastructure affect power bills – Everyday spending trends since 2021 – Why Australian spending is tracking inflation – Why New Zealand households are “trading down” – What trading down looks like in everyday life – How households adjust spending when budgets get tight Resources for this episode PocketSmith – Personal Finance Platform Episode with PocketSmtih Super-User 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: Insta

In this Australian Finance Podcast episode, your hosts Gemma Mitchell and Leigh Gant answer your weekly money and life questions. They cover: – Whether superannuation is really a “gamble” and what happened during past crashes – What the new Super Payday rules mean for when your employer pays your super – What to consider when your fixed home loan rate rolls off – Whether interest-only loans are smart strategy or short-term relief – How to define (and stick to) your ‘enough’ number for stepping back from full-time work If you like this Australian Finance Podcast episode, 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 – Is superannuation a gamble or long-term investment system? – What happened during past market crashes (and why balances fell) – Risk, time horizon & asset allocation inside super – What is “Super Payday” and when must employers pay contributions? – Why clearing times can differ between payroll systems and super funds – Fixed vs variable rates: what to consider when your rate rolls off – Are people fixing again in a rising-rate environment? – Interest-only loans explained (cash flow vs long-term cost) – When interest-only strategies may make sense – The psychology of “enough” and shifting financial goalposts – Lifestyle design vs chasing a bigger number You will learn about: - How superannuation works (risk, returns & market cycles) - Understanding market crashes and long-term investing - What is Super Payday? (employer contribution timing changes) - Fixed vs variable home loans explained - Interest-only vs principal & interest loans - How to calculate your ‘enough’ number for financial independence Resources for this episode Book recommendations: Enough: True Measures of Money, Business, and Life You’ve Got Money… Now What? | Book Extras Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” f

We are only a couple of months into 2026 and we’ve already seen significant retirement changes announced. These updates could directly impact your super, Age Pension eligibility and contribution strategy. -In this Australian Finance Podcast episode, your host Gemma Mitchell is joined by James O’Reilly- co host on the Australian Retirement Podcast and financial adviser at Northeast Financial Wealth, go through three big retirement changes you need to know in 2026 — and then take you through your practical 5-step retirement checklist. If you like this Australian Finance Podcast episode, 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 everyday money tips. Topics Covered – 3 Big Retirement Changes in 2026 1) ASFA Retirement Standard Update This is the first time ASFA’s lump sum figures have increased in three years. New lump sum targets (homeowners aged 67): – $630,000 for singles (up from $595,000) – $730,000 for couples (up from $690,000) Annual income benchmarks: – Comfortable Couple: ~$77,375 per year – Comfortable Single: ~$54,840 per year – Modest Couple: ~$51,299 per year – Modest Single: ~$35,503 per year More detail here 2) Age Pension Changes – Payment Rates, Deeming & Asset Limits Check for updates here from March 20th 3) Super Contribution Caps Increasing (From 1 July 2026) – Concessional cap increases from $30,000 to $32,500 per year – Non-concessional cap increases from $120,000 to $130,000 per year – General transfer balance cap increases from $2 million to $2.1 million More info here and here Key areas discussed: - ASFA Retirement Standard benchmarks - Age Pension deeming rates and

In this Australian Finance Podcast episode, Owen is away so your host Gemma Mitchell is joined by Mitchell Sneddon (one of our hosts of the Australian Investor Podcast) to answer your weekly investing questions on ETFs and portfolio construction. They cover: – Hedged vs unhedged international ETFs (and when it matters) – Whether ETF fund size and liquidity should influence your choice – How to think about overlap between super investments and investments outside super – Kids investing via minor trust accounts and the risks/tax considerations of geared ETFs – Distribution yield vs total return (and what investors should prioritise) Listen to Mitchell’s Australian Investors Podcast episode If you like this Australian Finance Podcast episode, 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’s the difference between hedged and unhedged international ETFs? – Currency risk vs portfolio diversification over the long term – Does the size of an ETF fund matter (and what “liquidity” actually means)? – Spreads, trading volume, and why AUM isn’t the whole story – Investing inside super vs outside super: are you “doubling up”? – Overlap, overall asset allocation, and seeing your wealth as one portfolio – ETF selection for kids: minor trust accounts basics – Are geared ETFs ever appropriate for long time horizons? – Tax considerations and why leverage can complicate outcomes – Distribution yield vs total return: what each measure tells you – Why chasing yield can backfire (and what to focus on instead) You will learn about: – Hedged vs Unhedged ETFs (currency risk explained) – ETF fund size, liquidity, spreads & closures (what to check) – Investing inside super vs outside super (portfolio overlap & asset allocation) – Minor trust accounts for kids (ETF investing considerations) – Geared ETFs (how they work, risks, and potential tax complexity) – Distribution yield vs total return (which metric matters most) Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Fina

In this Australian Finance Podcast episode, Owen Rask is joined by Alex Luck, financial adviser and co-founder of Everest Wealth Group, for a deep dive into financially preparing for kids. Alex works with many Australians in their 20s to 40s navigating career progression, property decisions and starting families. As a father of two himself, he shares both professional and personal insights into what really matters. This episode covers: - Planning maternity and paternity leave - Understanding Centrelink entitlements - Modelling cash flow during parental leave - Childcare costs and subsidies - Property decisions before and after kids - Insurance and wills - The psychology of financial independence within couples If you’re expecting, thinking about your second child, or simply planning ahead, this episode is essential listening. Episode Resources Get financial planning 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

In this Friday Q&A episode of The Australian Finance Podcast, Gemma Mitchell is joined by Tahli Cavagnino, Senior Adviser at Rask Advice, to answer some of the most common and nuanced questions people face as they approach retirement. This episode focuses on the decisions that sit right at the transition point, when work is winding down, structures start to matter more, and the tax and timing trade-offs can feel overwhelming. If you found this episode helpful, hit follow on Apple, Spotify, YouTube, or wherever you listen to podcasts. Got a retirement money question? Send it through here. Resources for this episode ATO: Transition to Retirement APRA Super Fund Performance Dashboard 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.

Owen Rask and Betashares’ Tom Wickenden construct two themed $100,000 ETF portfolios — one focused on the rise of China and Asia, the other built as an “existential” hedge against US dominance and structural risks. In this Australian Finance Podcast episode, Owen Rask is joined by Tom Wickenden from Betashares to construct two high-conviction $100,000 ETF portfolios — each with a clear macro theme and five-year horizon. We cover: - What Tom has personally invested in recently — and why - Owen’s first ever investment and what it taught him - Two bold ETF portfolios with zero “vanilla” thinking - How to invest when you don’t have a strong view on the US market If you enjoy learning about ETFs, portfolio construction and macro themes, subscribe to the Australian Finance Podcast wherever you get your podcasts. Key Takeaways - Most Australian portfolios remain US-heavy - Market concentration risk is elevated - Emerging markets deserve serious consideration - Factor tilts (momentum, value) can shift portfolio dynamics - Thematic investing requires discipline and long time horizons Resources for This Episode - Betashares ETF fund pages - view all the ETFs - Robot backflip video referenced 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)

In this Australian Finance Podcast episode, Gemma Mitchell sits down with financial adviser, author and host of the Financially Fierce Podcast, Jess Brady. Jess is the author of Get Growing and founder of The Greenhouse education program. 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 <a href="h

In this Friday Q&A episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell tackle the emotional side of money decisions, from learning how to actually enjoy financial progress, to handling early investing nerves, career burnout and retirement timing. This episode is less about spreadsheets and more about behaviour, mindset and realistic trade-offs, especially for people who are doing “well on paper” but still feeling stuck or unsure. If you liked this episode of The Australian Finance Podcast, subscribe on Apple, Spotify, or YouTube for more weekly episodes. Got a question for a future Q&A? Send it through here. Topics Covered – How to reward yourself after reaching financial milestones – Avoiding the trap of extreme saving & money guilt – Managing early investing nerves and ETF losses – When (and why) people sell shares too early – Why losses feel bigger than they are when you're just starting – Feeling stuck in a high-income job you don’t like – What “golden handcuffs” are & how to escape them – Retirement timing vs super access vs pension age – Building optionality and buffers before quitting a job Resources for this episode How to build a values-based money system 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, finan

In this episode of The Australian Finance Podcast, your hosts Owen Rask and Gemma Mitchell dive into one of the easiest money wins of the year: finding unclaimed money. T hey uncover: – Why billions of dollars are sitting unclaimed in Australia – How to check if any of it is yours (in 10 minutes or less) – The three places to search: ATO, ASIC, and your state government – Why this should be part of your annual financial health check If you like this Australian Finance Podcast episode on finding free money, you'll love our other practical episodes. Subscribe now on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more everyday money tips. Topics Covered – How Much Unclaimed Money Is in Australia? – Why This Happens: Job Changes, Moving House & More – Lost Super Explained – $19B Still Unclaimed – How to Check for Lost Super via myGov – Caution: Before Consolidating Your Super – ASIC’s $2.7B Unclaimed Money Register – Forgotten Bank Accounts, Shares & Insurance Proceeds – How to Use the Free MoneySmart Tool – State Government Registers & Examples – NSW’s $300M in Unclaimed Payments – Gemma’s Story: Checking Across Four States – The 10-Minute Money Treasure Hunt: Your Checklist – Set an Annual Reminder for Your Financial Health – Scam Warning: Searching is Free on Government Sites – Final Takeaway: You Might Already Be Owed Money Resources for this episode 📄 Start your unclaimed money search: – ATO myGov Super Portal – ASIC Unclaimed Money Tool – Revenue NSW – Unclaimed Money 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 <a href="https:/

Explore how AI tools like ChatGPT can support (and mislead) your financial planning, understand key differences between pre- and post-tax super contributions, and unpack SMSF concerns around ETF custodial ownership. In this Friday Q&A episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack some of the most common and timely questions we’re seeing right now around AI, superannuation strategies and SMSF investing. With tools like ChatGPT becoming part of everyday decision-making, we talk about where AI can genuinely help with money organisation and planning, where it falls down, and why judgement, context and regulation still matter when real money is on the line. We also step through practical super contribution questions that confuse a lot of people, and clear up concerns around ETF custodial ownership for SMSFs. If you like this episode of The Australian Finance Podcast, make sure to subscribe on Apple, Spotify, YouTube, or your favourite podcast app. And follow us on Instagram and TikTok for more free insights. Topics Covered – Can ChatGPT help with your financial planning? – Where AI tools are useful (and risky) with money – Are AI-generated return estimates for super reliable? – Target date funds: what they are & how Aussies use them – What SMSF investors need to know about ETF custodial ownership – Betashares Direct & other SMSF platform structures – Pre-tax (concessional) vs post-tax (non-concessional) contributions – How to claim a tax deduction for super contributions – Why timing & paperwork matter for pre-tax strategies – Practical steps to avoid breaching your super caps Resources for this episode 📄 Learn more about this episode: – ChatGPT and Financial Planning – ASIC Guidelines - https://moneysmart.gov.au – ATO guide to Super Contributions - https://www.ato.gov.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 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: 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,

How does your super really stack up? Average vs top 10% super balances explained. In this episode of The Australian Finance Podcast, Gemma Mitchell and Owen Rask break down the latest Australian superannuation statistics and answer the question so many people quietly worry about: Am I behind on super? This episode cuts through the averages, explains what the numbers actually mean, and gives you practical ways to improve your superannuation position whether you’re behind, on track, or already ahead. If you enjoyed this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube, or wherever you listen. Want help sorting your super or retirement plan? Explore the free resources and advice links below. Topics Covered – What you ‘should’ have in super by age – What places you in the top 10% of super balances – Why average super figures can be misleading – Median vs average: what really tells the story – Career breaks, part-time work & super outcomes – “Comfortable retirement”: what it really means – Why context matters more than general rules – Inflation & changing retirement income targets – Top 10% super balances by age – and how to use the data – Why top 10% doesn’t mean “set”, and being behind doesn’t mean “failed” For those behind on super: – Contributions: how small boosts can grow – Fees & insurance: hidden costs that add up – Investment settings: don’t go too conservative too soon For those ahead on super: – Does “comfortable” reflect the life you want? – Check your insurance is still right for your needs – When building assets outside super makes sense Key takeaway: Understanding where you sit can be motivating – but what matters most is what you do next. Resources for this episode Rask Super Course (free) Rask Retirement Academy (free) What is a comfortable retirement? – ASFA APRA Quarterly Super Report (June 2025) Gemma’s book – The Money Reset Ask a question or give us feedback Show partner resources Join Pearler using code “RASK” f

In this Friday Q&A episode of The Australian Finance Podcast, Gemma Mitchell is joined by James Phelan, Senior Adviser at Rask Advice, to answer the big money questions that tend to come up when a baby is on the way. From planning for income changes to understanding parental leave, childcare costs and shared money dynamics, this episode focuses on practical, real-world decisions new and growing families are navigating right now. If you enjoyed this episode of The Australian Finance Podcast, follow us on Apple, Spotify, YouTube, or wherever you listen. Got a parenting & money question for a future Q&A? Submit it here. Topics Covered – What to expect financially when a baby is on the way – Creating a cash buffer and planning for one-off baby expenses – Employer vs government parental leave: how to sequence it – Navigating Child Care Subsidy and estimating weekly costs – Understanding childcare waitlists & minimum day policies – Managing shared money when one partner stops or reduces work – Avoiding resentment in uneven financial contributions – Systems that work with low energy, low time, and a new baby – How to keep control of money in the early parenting fog Resources for this episode: – Paid Parental Leave – Services Australia – Child Care Subsidy Estimator – Gemma’s book: The Money Reset – Ask a question 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 Rask services – https://bit.ly/R-services 📋 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 – 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.

In this episode of The Australian Finance Podcast, Gemma Mitchell is joined by long-time friend of the show, Mel Browne – a multi-time founder, author, and ex-financial adviser with a fresh take on what it really means to be wealthy. 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</p

In this Friday Q&A episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell tackle some of the bigger, more complex money questions that tend to show up in mid-life and major transitions. 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</

In this Australian Finance Podcast episode, Owen Rask is joined by Dave Gow from Strong Money Australia for a deep, honest conversation about the future of FIRE — and whether financial independence is still achievable in 2026. 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</

In this Friday Q&A episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell work through some of the big, messy money decisions many families face but rarely get clear answers on. 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 Financ

In this episode of The Australian Finance Podcast, Owen Rask sits down with Hayden Smith, Co-Founder and CTO of Pearler, to explore how Australians really invest — and where investing, technology and advice are heading next. 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

Welcome to The Australian Finance Podcast Summer Series — your ultimate kick-start to the new year! 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 insurance is, why it matters, and who needs it The main types of insurance in Australia, including health and personal insurance How private health insurance works and common mistakes to avoid Wills and estate planning basics every adult should understand How insurance and estate planning work together to protect your family and assets Common gaps people miss and how to think about cover and documents at different life stages 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 Follow Owen and Gemma’s progress- Finders Keepers Page https://www.raskmedia.com.au/finders/ Review your Insurance with Skye Wealth https://www.raskmedia.com.au/services/life-insurance/ 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

Welcome to The Australian Finance Podcast Summer Series — your ultimate kick-start to the new year! 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 tax is in Australia and who pays it Why tax isn’t a bad thing and how it funds essential services Gross vs net income explained simply Capital gains tax vs income tax and how each works How private health insurance works in Australia Common tax deductions and what you may be able to claim 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 Follow Owen and Gemma’s progress- Finders Keepers Page https://www.raskmedia.com.au/finders/ Rask Tax Course- https://education.rask.com.au/courses/tax-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: 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

The Rask 2026 stock market game is live - it's called Stock Genius. Available at stockgenius.com.au, in collaboration with Navexa, the Rask Stock Market is open for you to compete and enjoy with over 1,000 fellow investors. 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 wa

Welcome to The Australian Finance Podcast Summer Series — your ultimate kick-start to the new year! 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/42Uz0aKAsk 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’

Welcome to The Australian Finance Podcast Summer Series — your ultimate kick-start to the new year! 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/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 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 con