Australian Finance Podcast

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: - Passive vs active income - Why millionaires focus on 7 streams of income  - How to increase your income now and in the future - How Gemma and Owen plan to increase their income to get to their $10,000 challenge If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you. Resources for this episode Rask summer series Buy Gemma’s book “The Money Reset”- https://amzn.to/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 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

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: - Why you need a budget - How to pick a budget that actually works for you - Why budgets fail - Managing money as a couple- your household CEO and CFO Plus lots more  If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you. Resources for this episode Rask summer series Rask budget course Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK Ask a question (select the Finance podcast): https://bit.ly/R-quest  Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

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 money mindset and how it impacts us - The difference between mindset and goal setting - How to change your money mindset- do you need to? - Spotting triggers and patterns with money - Shifting from scarcity to growth mindset Plus lots more… If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you. Resources for this episode - Rask summer series - Finders keepers challenge - Buy Gemma’s book “The Money Reset”- Ask a question (select the Finance podcast) Show partner resources - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question - We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

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: - Goal setting - big and small - Prioritising  - Finding balance and not setting yourself up for failure - Gemma & Owens plans to create an extra $10k in their lives in 2026 If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you. Resources for this episode - Rask summer series⁠ ⁠- Finders keepers challenge⁠ - Buy Gemma’s book “The Money Reset” - Ask a question (select the Finance podcast) Show partner resources - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question - We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your hosts Pete Wargent and Gemma Mitchell discuss how to manage a great renovation. Here’s what they cover: -Budget and financing -Council approvals and regulations -Scope and design -Hiring contractors -Materials and suppliers -Timeline and disruptions -Climate and location considerations -Legal and insurance considerations -Resale value and market trends Summary tips from Pete and Gemma Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this festive episode of The Australian Finance Podcast, Gemma Mitchell and Owen Rask share practical, affordable and thoughtful last-minute Christmas gift ideas under fifty dollars. With more than 60 percent of Australians feeling financially stressed about buying presents this year, and almost one billion dollars of unwanted gifts heading to landfill, this guide focuses on useful, clutter-free options people will genuinely appreciate. Gemma and Owen cover • Why so many Aussies feel pressure around Christmas spending and how to avoid waste • Five affordable under-50 dollar gift ideas from Gemma, covering book lovers, coffee drinkers, sentimental types and the hard-to-buy-for • Owen’s budget-friendly picks for friends, family and colleagues • The honest chat on regifting, when it’s fine and when it’s not • How to avoid panic buying and choose meaningful gifts that won’t end up unused This quick episode is the perfect guide for anyone searching for last-minute Christmas gifts under 50 dollars that are thoughtful, practical and budget-conscious. If you like this Australian Finance Podcast episode, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode --Gemma's list-- ⁠Book stamp / embosser⁠ ⁠Electric beverage warmer (Amazon)⁠ ⁠Custom photo puzzle – Big W⁠ ⁠Custom photo puzzle – Officeworks⁠ ⁠Uno No Mercy⁠ ⁠Massage voucher (local business search)⁠ ⁠Visa/Mastercard gift cards⁠ --Owen's list-- ⁠Headband for earphones (Bluetooth sleep headband)⁠ ⁠T2 gift packs⁠ ⁠Le Creuset mug⁠ ⁠San Pietro Pinot Noir⁠ ⁠How They Get You by Chris Kohler⁠ ⁠The Money Reset by Gemma Mitchell⁠ Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Friday episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack your questions on mortgages, investing, relationships and ETF risk. This week we dive into how to think about fixed versus variable interest rates, why couples so often clash over money, and what really happens if a fund manager, ETF provider or broker were to fail. We also take a closer look at geared ETFs and why some products are designed for super funds rather than personal portfolios, plus a practical explainer on how ETF ownership actually works behind the scenes. Owen and Gemma cover - How to think about fixing your mortgage rate versus staying variable, why people choose different options, and the real trade-offs involved rather than trying to “pick the perfect time” - Why money conversations with your partner so often turn into arguments, and practical ways to get on the same page without it becoming a values or control battle - What geared ETFs like GHHF are, why they’re often suggested for SMSFs, and the risks and tax reasons they’re usually not recommended for individuals outside super - What would happen if Vanguard were to go broke, how ETF structures protect investors, and whether spreading money across multiple ETF providers actually reduces risk - How brokerage platforms like Pearler hold your investments, what happens if a broker fails, and why your ETFs don’t simply disappear if a platform shuts down If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link in the show notes. Resources for this episode - Sign up for the newsletter - Sign up for Rask Core - Buy Gemma’s book The Money Reset - Ask a question (select the Finance podcast) Show partner resources - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #finance #asx Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Owen Rask sits down with finance journalist and author Chris Kohler to discuss the systems designed to separate Australians from their money – and what you can do to protect yourself. They cover – The psychological tricks behind modern consumerism – Chris’s viral interest rate videos and their surprising impact – How businesses subtly extract more from your wallet – The hidden cost of convenience – Why loyalty isn’t always rewarding This conversation is full of insights for anyone looking to take back control of their spending and think critically about modern money systems. If you like this Australian Finance Podcast episode, don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts. Topics Covered – Chris Kohler’s media and finance journey – Going viral: How humour made economics click – Behind the scenes of his creative process – What inspired his new book: “They Get You” – Psychological levers used by marketers – Loyalty programs: Who benefits most? – The dangerous normalisation of gambling – How data is used to drive spending – Subscription creep & the illusion of value – What you can do to fight back – Why it’s never too late to become financially aware – Chris’s advice to his younger self – How the “little guy” can regain control Resources for this episode: - Find Chris on Instagram - Find Chris on TikTok - Buy How They Get You - 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) Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, your host Gemma is joined by Roxanne Calder — recruitment expert and author of the new book Earning Power. With 25 years of experience across Australia, the UK, Singapore, and Hong Kong, Roxanne brings a wealth of insight into building careers and boosting income. Her latest book is packed with inspiring stories and practical strategies to help close the gender pay gap — but the lessons go well beyond that. No matter your gender, Roxanne’s “million-dollar formula” and career advice will give you tools to level up your earning power and take control of your financial future. In this episode we cover: – Why the gender pay gap could cost women over $1 million in a lifetime – Roxanne’s “million-dollar formula” for boosting earning power – Practical ways to advocate for yourself — from pay rises to career moves – Small financial and career decisions that create long-term impact – The role recruitment agencies can play in your career journey – Roxanne’s personal money lessons and one simple step you can take today to start building your earning power Resources for this episode Connect with Roxanne Buy Earning Power Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to level up your financial life? Kate Campbell & Mitchell Sneddon share 10 different money hacks to help you maximise your finances in 2024. Remember - the small changes you make add up over time, so don’t discount those small actions you take. Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Finance Podcast, you'll learn how and why insurance works. Life insurance, income protection, TPD & more. Owen Rask is joined by Phil Thompson, founder of Skye Wealth, to unpack what really happens when you make an insurance claim. They go behind the scenes on: – How insurance claims actually work – What mistakes people make when trying to claim – The vital difference between "own" vs "any" occupation cover – Why you should never go straight to a lawyer when claiming – The most common issues that stop people getting paid – Real client case studies and what went right (or wrong!) If you're curious about income protection, trauma cover, life insurance, or TPD claims, this episode shows how good insurance advice can make a huge difference. Enjoying the show? Subscribe for weekly episodes on Apple, Spotify, YouTube or your favourite app. Topics Covered – What really happens when you make an insurance claim – Why people often don’t realise they’re eligible for a claim – The difference between retail vs group/super insurance – Why having an adviser at claim time can save you money – The role of the waiting period and how it affects payment – Real claim case study: Chloe’s chronic fatigue income protection win – Real claim case study: Chandler’s RSI and $1.3 million TPD cover – Real claim case study: Rebecca’s mental health claim from a workplace accident – The danger of going straight to lawyers before talking to your adviser – Own occupation vs any occupation: what’s the difference? – Why good documentation and honesty make a successful claim – What to do if you’ve had time off work or a medical condition – The risk of underinsurance and how to get help Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask is joined by Alex Luck, founder of Everest Wealth Group, to answer your money questions. Owen’s questions: – Where are you personally invested? – What’s the most recent thing you’ve done with your money? Listener questions: – Our 19-year-old is saving for a home — should he buy an investment property while living at home and miss the First Home Buyer Grant? – Is salary sacrificing for company shares worth the tax benefit, given the concentration risk? – I’ll need to sell $150k of my $200k portfolio in 12 months to fund a house build — should I sell now or later? (CGT not an issue.) – I’m single and plan to leave my super to my parents and sibling — any issues? – I’m a uni student investing $100 a month — where should I start for long- and short-term investing (thinking gold or S&P 500 ETFs)? – I’m 20, finishing uni soon with $40k in ETFs and $10k cash — should I sell some investments to enter the property market sooner, or let them compound? Resources for this episode Get financial advice Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Friday episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell dive into your questions on saving, investing, brokers, kids’ money and planning your next big property move. This week we unpack whether a high-yield savings account still stacks up against investing, how to think about using multiple brokers, and what to consider when choosing a provider to invest for your kids. We also tackle a classic rentvesting question from someone with five investment properties who now wants to buy their own home, plus a quick explainer on what really happens to your HECS-HELP debt when you pass away. Topics covered – Whether you should follow your parents’ advice to save in a high-yield account or invest once you’ve built a three-month emergency buffer – How compounding, inflation and time horizons shape the save or invest decision – The pros and cons of having core and satellite portfolios across two brokers, and when it makes sense to merge – What to think about when investing for children, including fees, tax rules and whether Australian Unity or investment bonds suit your goals – A simple framework for exiting rentvesting and transitioning into your own home, even when you’re juggling multiple properties – What actually happens to your HECS-HELP balance when you die, and how the ATO handles unpaid student debt If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link in the show notes. Resources for this episode Grant Hackett Episode on Bonds Tax Structure Rask Guide Sign up for the newsletter Sign up for Rask Core Buy Gemma’s book The Money Reset Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this short Wednesday bonus episode of The Australian Finance Podcast, Gemma Mitchell walks you through a simple, practical roadmap for investing your first $1,000. No jargon, no complicated charts, just clear steps you can actually follow. Getting started is often the hardest part. Many people put it off because they think they need more money, more knowledge, or the “perfect moment”. The truth is you only need a small amount, a repeatable plan, and the confidence to take the first step. This episode gives you exactly that. Gemma breaks down the five steps that build a strong foundation, along with the rookie mistakes that trip up new investors every year. If you’ve ever wondered where to begin, or you’re ready to finally put your money to work, this is the perfect place to start. In this episode, you’ll learn: - Why your first $1,000 matters more than you think - How to choose an investment platform and avoid overcomplicating it - The basics of picking a diversified investment without needing expert skills - How automation removes the emotional pressure and keeps you consistent - The difference between long-term investing and short-term noise - Rookie mistakes to steer clear of, including chasing hot tips and timing the market - How to build the habit so your first $1,000 becomes so much more If you’re ready to make a start, feel more confident, and avoid the traps that hold so many people back, tune in to this quick, practical guide. Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Gemma Mitchell is joined by Emma Edwards — financial behaviour expert, founder of The Broke Generation, and now two-time author. Emma’s new book, The Wardrobe Project: A Year of Buying Less and Liking Yourself More, published by Wiley, explores the powerful connection between spending habits, confidence, and self-worth. It’s the perfect read for anyone wanting to reset their relationship with money and shopping before 2026. Together, Gemma and Emma unpack how a year-long no-buy challenge changed her approach to money, mindset, and fashion, and how you can start your own “wardrobe reset” to spend smarter and feel better. Topics Covered: - What inspired The Wardrobe Project and the surprising lessons from a year of not shopping - How body image and confidence influence the way we spend- What Emma discovered about self-worth and financial behaviour during her no-buy year- Practical tips to reduce impulse spending and start buying with purpose- How to balance self-expression and sustainability with fashion- Which money and mindset habits stuck after the challenge endedIf you’re ready to build a healthier money mindset and rethink how you spend in 2026, this episode is for you. Resources for this episode - Buy Emma’s book “The Wardrobe Project” https://www.amazon.com.au/Wardrobe-Project-Buying-Liking-Yourself/dp/1394376812 - Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question or give us feedback: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Friday episode of The Australian Finance Podcast, Gemma Mitchell and Owen Rask unpack your questions on investing, super, HECS and even a Christmas dilemma. This week we look at how to build a simple investment profile when you’re 58 and deciding between ETFs in super or outside of it, how paid parental leave really works in 2026, and what to do when your HECS balance never seems to budge. We also cover how to help a level headed 16 year old get started with investing, plus a common holiday question many families face. Do you stick to the Secret Santa limit, or match everyone else who’s blowing the budget? This episode also includes quick updates on HECS indexation changes, the Bureau of Meteorology blowout, and what it means for your hip pocket. Owen and Gemma cover: - How to compare investing inside super versus a direct ETF portfolio when you’re 58, earning well and contributing regularly - Why non concessional contributions can be powerful in your late 50s, and the key rules to understand - How employer paid parental leave works alongside the government scheme, how long each runs for, and how to apply - When HECS repayments start, why your balance might not be falling, and whether paying extra makes sense - How to teach teens the basics of investing, the best beginner podcasts, and easy ways to start with $15k - Whether you should stick to the Secret Santa limit or spend more, and how to set boundaries without killing the vibe - Updates on HECS balances, indexation, the BOM budget blowout and what it means for everyday Australians If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link in the show notes. Resources for this episode Sign up for the newsletter Sign up for Rask Core Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Gemma Mitchell is joined by Tahli — educator, retirement specialist and one of Rask's Senior Financial Advisers. After working with hundreds of Australians approaching retirement, Tahli has seen the same patterns over and over again. Most people feel unprepared. Many feel intimidated by the jargon. And almost everyone worries they’ve “left it too late”. This conversation cuts through the noise and gives listeners a clear, calm starting point for planning the next stage of life. Together, Gemma and Tahli unpack what retirement really looks like in Australia, the biggest misconceptions, and the practical steps that matter most in your 50s and 60s. In this episode, you’ll learn: - Why so many people walk away from retirement chats feeling more confused than when they started - How to map out your own personal balance sheet to work out where you stand - Why lifestyle planning is just as important as the numbers - What “asset rich, cash poor” means and why it catches so many retirees by surprise - How Centrelink treats things like granny flat arrangements and family support - The biggest myth about retirement planning and why relying on “it’ll sort itself out” can derail your goals - What to focus on if you're five to ten years away from finishing full-time work - How to engage with your super fund and what questions to ask right now - Why diversification is about more than investment choices — and how different structures can create flexibility later in life - Simple tools and exercises that help people get clarity, including the spreadsheet Tahli uses with her own clients If you’re ready to understand how retirement works, feel more confident, and make the next decade easier to navigate, this episode is for you. Resources for this episode Retirement Mastery Course Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your hosts Pete Wargent of Allen Wargent Property Buyers and Gemma Mitchell from Rask discuss how to make 2026 your best financial year yet. Here’s what they cover: -Starting now -Clean up old bank accounts, companies, and brokerage accounts  -Choose one thing that’s stressing you out now and tackle it  -Keep a net worth tracker  Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your host Owen Rask chats with Cameron Gleeson, Senior Investment Strategist at Betashares, to break down the concept of gearing using ETFs. Together, they explore: – What gearing means in a finance and ETF context – How Betashares Wealth Builder ETFs use leverage – The difference between moderate gearing (30–40%) and high gearing (50–65%) – Why gearing can help you outperform over the long term – Who should (and shouldn’t) consider geared ETFs – How gearing works inside superannuation Whether you're new to investing or looking for advanced portfolio tools, this episode unpacks gearing step-by-step in plain English. If you like this Australian Finance Podcast episode on ETF gearing, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more money and investing content. Topics Covered – What is Gearing in Finance? – How Gearing Works Inside an ETF – Example: 100 + 50 = 150 (Loan to Value Ratio explained) – The Difference Between Margin Loans and Geared ETFs – Interest Rates: What Betashares Pays vs Individuals – Rebalancing Explained: Managing the Gearing Level – Drawdowns, Volatility & Risks of Leverage – ETF Ticker Breakdown: – GEAR (High-geared Aussie Equities) – GGUS (High-geared US Equities) – G200 (Moderately Geared Aussie Equities) – GNDQ (Moderately Geared NASDAQ) – GGBL (Moderately Geared Global Equities) – Gearing in Super: Pros & Considerations – When Gearing Doesn’t Work – Blending Geared and Non-Geared ETFs in a Portfolio Chapters (approximate) (00:00) Introduction (04:52) How Gearing Works in ETFs (09:15) Advantages of Using Gearing in Investments (11:33) Tax Implications of Gearing (15:04) Risks and Downsides of Gearing (17:44) Comparing Different Gearing Strategies (20:55) Long-Term Performance and Rebalancing (24:15) Investing in Super: Advantages and Disadvantages (27:36) Understanding GGBL: A New Investment Opportunity (29:33) Risk Tolerance and Market Volatility (34:23) Managing Gearing Levels in ETFs (39:03) The Mechanics of Gearing and Rebalancing Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Friday episode of The Australian Finance Podcast, hosts Owen Rask and Gemma Mitchell unpack your questions on super, property and how to juggle big money decisions at different life stages. This week we look at what retirement can actually look like in your 50s, whether it’s worth pausing salary sacrifice to focus on a new home loan, how debt recycling really works, and what to do if you have a deposit saved but no stable job yet. Owen and Gemma cover: – How retirement works when you’re mid 50s, divorced and rebuilding, and what actually happens to your super – Whether stopping pre-tax super contributions to pay down a 620k home build is a smart trade-off or a backwards step – What debt recycling is, how equity can be used for a second investment property, and the common traps to avoid – What to do with deposit savings when you don’t yet have an income to support a mortgage – How to think about investing when you have a shorter life expectancy and want to use your wealth earlier – Shares vs property and which one we favour right now based on long term patterns, not headlines – What needs to change in the finance industry to make advice more accessible and more useful Plus, we still need your help. Our goal is to get Owen over the line to write a book, and your support matters. Jump on our newsletter and help us get there. If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link below. Resources for this episode Sign up for the newsletter Sign up for Rask Core Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this The Australian Finance Podcast, your host Owen Rask walks through 5 expert-level steps to research any ETF with confidence. Whether you’re a beginner or just want to know what’s actually in your ETF, this checklist will help you make better investing decisions. Owen covers: - How to understand an ETF’s goal & investment universe - What to watch out for with fees - Why holdings and weightings matter - What tracking difference really means - How to check an ETF’s size, liquidity and structure Plus, you’ll learn some key beginner takeaways to avoid costly mistakes, and how to use real ASX ETFs like VAS, A200, IVV and NDQ to compare. If you liked this episode, subscribe to the podcast for new weekly episodes on Apple Podcasts, Spotify, YouTube, or wherever you listen! Topics Covered - Why ETF research matters - Step 1: Understand the ETF’s Objective - Step 2: Check the Fees & MER - Step 3: Look Under the Hood: Holdings & Weightings - Step 4: Compare Performance to the Index - Step 5: Assess Structure, Size & Liquidity - Why these 5 steps matter for beginners - What the “4% rule” has to do with ETFs - The risk of chasing high yield - How diversification helps smooth income - Real ETF comparisons: VAS, A200, IVV, NDQ, GOLD, EMKT - How to use a checklist for your own portfolio research Resources for This Episode Learn more about ETF research: ETF Investing Course (Beginner to Pro): https://education.rask.com.au/courses/etf-course/  ETF Provider Websites: Vanguard ETFs Betashares iShares (BlackRock) VanEck Australia Global X ETFs Example ETFs Referenced: VAS (Aussie Shares) A200 (Aussie Shares) IVV (US S&P 500) VGS (Global Shares) NDQ (NASDAQ 100) GOLD (Physical Gold) EMKT (Emerging Markets) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask sits down with Pearler co-founder and CTO Hayden Smith to talk all things money, investing, mindset, AI, and financial tech. They explore: – How Hayden thinks about saving and frugality – What AI means for investors, workers, and platforms like Pearler – The story behind Hayden’s famous wisdom teeth money hack – How Pearler is building investing tools for real humans – Lessons from being a software engineer in an AI world If you like this Australian Finance Podcast episode on money mindset and investing in the AI era, subscribe to hear more weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram, and TikTok for more money insights. Topics Covered – Hayden’s unconventional wisdom teeth money-saving story – Why he compares personal finance to skill-building – How his money mindset has evolved with age & net worth – Frugality vs. growth: what spending teaches you – What Pearler got wrong early (and what it’s becoming now) – Hayden’s take on AI's impact on software, investing & platforms – What “vibe coding” is — and why it matters – The truth about passive income tools & automation – Behind the scenes: how Pearler's UI is built around goals – The problem with overengineering in finance – Why simple investing is hard — and where tech can help – Advice for young people navigating careers in the AI era – How to develop competence (and why it’s underrated) – Why diversification matters in life AND investing – What the future of investing platforms could look like Chapters (approximate) (00:00) Introduction (03:45) Financial Decisions and Personal Growth (09:22) Building Pearler: Challenges and Community (10:49) Product Development and Learning from Mistakes (13:19) The Future of Investment Platforms (17:22) Admiring Simplicity in Financial Apps (23:35) Vibe Coding: A New Approach to Software Development (26:39) The Rise of Entrepreneurial Innovation (28:54) AI's Impact on Engineering and Coding (31:43) The Changing Landscape of Professional Skills (33:27) Industries Ripe for AI Disruption (35:25) Career Advice in the Age of AI (39:25) Investing in a Tech-Driven Future (41:06) Transforming Financial Services and Real Estate (48:49) Understanding Energy Costs for Savings Resources for this episode Hanging with Hayden YouTube channel Aussie Fire podcast with Dave & Hayden Invest with Pearler Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Friday episode of The Australian Finance Podcast, hosts Owen Rask and Gemma Mitchell dig into your money questions. This week we look at how to spot risks inside your super fund, what’s reasonable to expect from a financial adviser, how to think about market crashes without panicking, and what happens if you can no longer use your FHSS funds. Owen and Gemma cover: - Rask Core Membership has had a revamp!! - How REST offers 0 percent fees on some indexed options, how Macquarie’s True Index works, and what risks you should be aware of - Whether low-fee index options pose extra dangers given recent scams and what due diligence actually matters - What’s a fair turnaround time for financial advisers, why some are slow to action changes, and how to decide if your advice relationship is still serving you - How to talk to family who fear another GFC wiping out their wealth and how long-term investing really behaves in deep downturns - What happens to your FHSS contributions if you become ineligible, and whether they simply stay in your super - The real meaning behind knowing “the cost of opening your front door” and why it matters for day-to-day financial confidence Plus, we need your help. We’re still pushing to get Owen to write a book. You can help us get there by joining our newsletter — we’re aiming for 3,000 new sign-ups in November. If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link below. Resources for this episode Sign up for the newsletter Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this short and snappy Wednesday bonus episode of The Australian Finance Podcast, Gemma Mitchell is joined by financial behaviour expert and author Emma Edwards to share five practical tips to help you spend less — without feeling deprived. Emma’s brand new book, The Wardrobe Project: A Year of Buying Less and Liking Yourself More, dives into the emotional side of spending and why it’s not always about spending less — but spending right. Episode Resources: Buy Emma’s book “The Wardrobe Project” Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your host Owen Rask sits down with David Gardner (co-founder of The Motley Fool and author of Rule Breaker Investing) to discuss: – Beating the market vs indexing – The “lose to win” philosophy and position sizing – The six traits of rule-breaker companies – Conscious capitalism, purpose and culture If you love learning about growth investing and finding outliers, subscribe to the Australian Finance Podcast on ⁠Apple⁠, ⁠Spotify⁠, or ⁠YouTube⁠! Follow us on ⁠Instagram⁠ and ⁠TikTok⁠ for more investing insights. Topics Covered – Beating the market: why David still believes individuals can outperform and why most don’t try – Lose to win: accepting frequent small losses to capture rare, massive winners (Babe Ruth analogy) – Six rule-breaker traits: top dog & first mover, sustainable edge, strong price action, leadership/backers, brand love, and “overvalued” narratives – Final thoughts & how to learn more: AI’s role in research (not a reason to quit stock picking) and making portfolios reflect our best vision for our future Resources for this episode ⁠Ask a question (select the Finance podcast)⁠ ⁠Visit TermPlus to learn more⁠ Rask Resources ⁠All services⁠ ⁠Financial Planning⁠ ⁠Invest with us⁠ ⁠Access Show Notes⁠ ⁠Ask a question⁠ ⁠We love feedback!⁠ Follow us on social media: Instagram: ⁠@rask.invest⁠ TikTok: ⁠@rask.invest⁠ DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): ⁠https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Friday episode of The Australian Finance Podcast, host Gemma Mitchell is joined by Money Coach Lexi Smith from MoneyVine to answer your money questions. We look at how to get through the most expensive time of year, how to plan for holidays, the real cost of raising kids, and how to set yourself up well for 2026. Gemma and Lexi cover: - Practical ways to save over the silly season without feeling like you’re missing out - How to plan for a workplace shutdown or reduced income period over Christmas - Simple holiday budgeting tips and how to maximise annual leave for better breaks - How to start a budget that actually works and whether budgeting apps are worth it - Planning for children from pregnancy to school costs and how to set up savings or investing for kids - Deciding between offset accounts, term deposits or micro-investing apps for family savings goals - When moving for a school catchment makes financial sense and when it may not - Easy AI tools that can help plan travel, gift lists, meal prep and household admin over the holidays - Steps to set yourself up for your best financial year in 2026, even if things feel tight right now Plus, we need your help! Gemma’s set a challenge for our listeners: can we get Owen to write a book? Help make it happen by signing up to our newsletter — we’re aiming for 3,000 new sign-ups in November. If you like this episode of The Australian Finance Podcast, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts — and don’t forget to send in your questions for future Q&As using the link below. Episode Resources - MoneySmart Budget - Sign up for the newsletter - Buy Gemma’s book The Money Reset - Ask a question (select the Finance podcast) Show partner resources - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds: Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) #finance #asx Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask dives deep into 5 of Australia's most popular thematic ETFs for long-term growth potential. Owen profiles these thematic ETFs: - Betashares Cybersecurity ETF (ASX: HACK)  - Betashares Global Sustainability Leaders ETF (ASX: ETHI) - Global X FANG+ ETF (ASX: FANG) - iShares Global Healthcare ETF (ASX: IXJ) - Global X China Tech ETF (ASX: DRGN) If you like this Australian Finance Podcast episode, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Thematic ETF topics covered today: - What is a thematic ETF? - Do thematic ETFs work? - Are thematic ETFs risky? - How to research a thematic ETF - HACK review - ETHI review - FANG review - IXJ review - DRGN review Resources for this episode - Betashares ETFs - Global X ETFs - iShares IXJ ETF - Buy Gemma’s book “The Money Reset” - Ask a question (select the Finance podcast) Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, host Gemma Mitchell is joined by Ben Kingsley, one of Australia’s leading property investment advisers, founder of Empower Wealth, and Chair of the Property Investors Council of Australia (PICA). Ben, along with his long-time business partner Bryce Holdaway, has just released their third book, How to Retire on $3,000 a Week. Together, Ben and Bryce have built a reputation for simplifying property investing for everyday Australians. They’re also the co-authors of best-selling titles Make Money Simple Again and The Armchair Guide to Property Investing. While Bryce couldn’t join us today, Ben shares insights from their latest work and decades of experience helping investors grow wealth through property. Episode Resources - Connect with Ben and Bryce - Buy their book - Buy Gemma’s book “The Money Reset” - Ask a question (select the Finance podcast) Show partner resources - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

Qiao Ma, Portfolio Manager of the Munro Partners Global Small and Mid Cap Fund, joins Owen Rask on The Australian Investors Podcast to discuss: 1. What it takes to find killer stocks 2. How Qiao survived the GFC 3. Why founders tend to win 4. The importance of 'control' in long-term investing 5. Munro's investment process 6. Qiao's two pieces of advice to her younger self Episode resources: ⁠Munro Partners⁠ ⁠Nick & Owen's discussion⁠ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this bonus episode of the Australian Finance Podcast, host Gemma Mitchell returns with part two of The Money Reset 2 part series. If you’re ready to take your financial reset to the next level, this bite-sized episode walks you through the final six steps, tackling debt, property, super, and protection, and shows you how to build lasting flexibility and freedom with your money. Gemma shares simple actions and insights to help you future-proof your finances and create a life that feels secure, balanced, and on your terms. Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Chapters (approximate) (00:00) Introduction (02:52) Doubling Down on Debt (05:50) Planning Your Property Path (07:47) Maximising Your Superannuation (10:15) Planning for the Unexpected (12:38) Protecting Your Financial Future (14:26) Financial Flexibility (16:43) Summary Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Owen Rask sits down with Wenee Yap and Thomas Derricott, co-authors of the new book “Riding the Unicorn: The Startup Guide You'll Want to Read” In a deeply insightful and inspiring conversation, they explore: – What makes a company a “unicorn” – Why Australia punches above its weight in the global startup scene – The biggest myths about startups and side hustles – The six-stage founder framework – What startup success (and failure) really looks like Whether you dream of launching a business, joining the startup ecosystem, or backing the next Aussie success story, this conversation is a must-listen. If you enjoy this episode, don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts! 🔗 Apple: Australian Finance Podcast on Apple 🔗 Spotify: Australian Finance Podcast on Spotify 🔗 YouTube: Australian Finance Podcast on YouTube Follow us on Instagram and TikTok for daily insights: 📲 Instagram: @rask.invest 📲 TikTok: @rask.invest Topics Covered – What is a Unicorn Startup? – Why Australia is one of the most capital-efficient ecosystems – How Australia compares to Silicon Valley – The six-stage startup founder framework – The differences between a startup, small business, and side hustle – Lessons from launching a cat café (yes, really) – The “Sulopolis Score” and problem-solving in startups – Why storytelling matters for business growth – Mistakes to avoid from failed startups (MilkRun, etc.) – How successful founders think differently the second time around – Common traits of Australia’s top founders – The truth about market research and pivots – How to get started in the startup ecosystem—without quitting your job Resources for this episode Amazon link: https://amzn.to/4q52j56 Website link: https://www.ridingtheunicornhq.com/ We are on LinkedIn, Instagram and TikTok: https://www.linkedin.com/company/riding-the-unicorn/ https://www.instagram.com/ridingtheunicornhq/ https://www.tiktok.com/@ridingtheunicorn Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Friday episode of the Australian Finance Podcast, hosts Owen Rask and Gemma Mitchell answer your questions on: – Whether it’s too late to start investing in your 50s and 60s, and how to balance mortgage repayments, redraw funds and retirement goals – What to look out for when reviewing your first full-time job offer, including salary packaging, super and employee benefits – Why some government employers use third-party salary sacrifice administrators like Remserve or SmartSalary, and whether those fees are worth it – What happens to your Super balance above the Transfer Balance Cap, and how withdrawals and taxes work once you hit retirement phase – Plus we need your help – the challenge Gemma has set our audience to get Owen to write a book! If you like this episode of the Australian Finance Podcast, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts — and don’t forget to send in your questions for future Q&As using the link below. Chapters (approximate) (00:00) Introduction (09:24) Financial Questions and General Advice (17:56) Full Time Job Overseas Company (21:20) Salary Sacrificing Explained (27:43) Superannuation and Retirement Planning Resources for this episode Sign up for the newsletter Buy Gemma’s book The Money Reset Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this short Wednesday bonus episode of the Australian Finance Podcast, hosts Gemma Mitchell and Owen Rask unpack the government’s newly expanded 5% Deposit Scheme — what it means for first home buyers, who’s eligible, and how it can help you get into the property market sooner. It’s a quick, practical breakdown of the key updates — no income caps, no property price limits, and no Lenders Mortgage Insurance — plus what to consider before jumping in. Chapters (approximate) (00:00) Introduction (04:13) Understanding the Mechanics of Home Loans (05:43) Implications of the 5% Deposit Scheme (09:27) Eligibility and Application Process (13:59) Market Reactions and Economic Impact (16:34) Final Thoughts and Recommendations Resources for this episode Government Resources Eligibility Tool Pearler FHSSS information Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Owen Rask and Hugh Dive from Betashares each bring 3 of their favourite US stocks to the table — and finish off with an ETF that gives you exposure to all of them. They unpack: – Broadcom, Intuit, Adobe, Palantir, Netflix, and PepsiCo – How these companies make money and what makes them so special – Whether you should buy individual shares or just use an ETF like NDQ – The growing importance of AI, recurring revenue, and global scale in investing Whether you're into tech, snacks, or software-as-a-service, there’s something here for every long-term investor. Don’t forget to subscribe to the Australian Finance Podcast on Apple, Spotify, or YouTube using the links below! 📱 Subscribe now: – Apple – Spotify – YouTube Follow us on Instagram and TikTok for more investing insights. Topics Covered – Hugh’s pick #1: Broadcom – AI-powered chipmaker & infrastructure software giant – Owen’s pick #1: Intuit – From TurboTax to Mailchimp & SMB software dominance – Hugh’s pick #2: Palantir – Defense contracts, data & AI + Walmart use case – Owen’s pick #2: Adobe – The creative monopoly, AI tools & killer margins – Hugh’s pick #3: Netflix – From DVDs to global streaming and advertising – Owen’s pick #3: PepsiCo – Snacks, soda & steady compounder with 3% dividend – Why these companies are long-term compounders – One ETF that owns all 6: Betashares NDQ (Nasdaq 100) – Why NDQ might be a better option than buying individual shares – ETF vs individual stock investing – Key lessons for diversifying your global portfolio – Tax benefits, performance, and why NDQ is Hugh’s favourite Resources for this episode - Learn more about Betashares - 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

20% HELP debt reduction, new superannuation rules, salary sacrificing for company shares — this week’s Q&A is packed with hot topics and practical money tips. In this Friday episode of the Australian Finance Podcast, your hosts Owen Rask and Gemma Mitchell are answering your questions on: – Whether salary sacrificing for company shares is worth it — and the concentration risk you need to watch out for – The pros and cons of a 19-year-old buying an investment property while still living at home (and whether it’s worth forgoing the First Home Buyer Grant) – How to handle superannuation beneficiaries if you’re single with no dependants – The age-old question: pay bills as they come in or wait until they’re due? – And finally, what candlestick trading actually is — and whether it’s a real investing strategy or just market noise Plus, Owen and Gemma unpack the latest government announcements, including the 20% HELP debt reduction and new super changes affecting balances over $3 million and $10 million. If you like this episode of the Australian Finance Podcast, make sure to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts — and don’t forget to send in your questions for future Q&As using the link below. Chapters (approximate) (00:00) Introduction (04:20) Understanding HECS/HELP Debt Changes (08:52) Superannuation Tax Changes Explained (14:58) Navigating Salary Sacrifice and Concentration Risk (21:19) Investment Property vs. First Home Buyers Grant (24:22) Candlestick Trading and Market Speculation (27:18) Leaving Super to Family Members (30:00) Managing Bills and Financial Communication Resources for this episode HELP DEBT info HELP DEBT REDUCTION Calculator DIV296 Buy Gemma’s book The Money Reset Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this bonus episode of the Australian Finance Podcast, host Gemma Mitchell kicks off a two-part mini-series based on her new book, The Money Reset. If you’ve been thinking about a fresh start with your finances, especially as we roll into a new year, this bite-sized episode will help you reset your mindset, rebuild your foundation, and start moving forward with clarity.. Without buying the book.  Over six key steps, Gemma shares practical actions and mindset shifts to help you take stock, set up strong foundations, and start building momentum — without the overwhelm. Resources for this episode - Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest  Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, your host Gemma Mitchell is joined by Ana Kresina from Pearler — two-time author (Kids Ain’t Cheap and How to Not Work Forever) and co-host of the Get Rich Slow Club podcast. Together, they unpack how parents can raise money-savvy kids and start teaching investing early. Ana shares practical ways to make money lessons fun, age-appropriate and aligned with your family values, without overwhelming yourself in the process. In this episode we cover: – Why starting young matters: compounding, habits, and building confidence around money – Is there such a thing as too young? Teaching kids at different ages – Pocket money — yay or nay? Should kids earn it or just practice with it? – Everyday lessons at home: shopping, saving, delayed gratification – How to make money fun, not scary, with games and apps – Avoiding overwhelm as a parent (and why you need your own oxygen mask first) – Mistakes to avoid when teaching kids about money – Should kids choose investments, or should parents do it behind the scenes? – Linking money lessons to family values like giving and sustainability – First steps you can take today to start your kids’ money journey Subscribe for weekly episodes on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Connect with Ana Ana’s book Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

FHSS, defensive assets & the real cost of financial advice – this Q&A has it all In this Friday episode of the Australian Finance Podcast, your hosts Owen Rask and Gemma Mitchell are back for your weekly Q&A. From using your super to buy your first property, to whether you really need a financial adviser once you’ve already nailed your money, this episode dives into your questions! We cover off in this episode: - Can you use the First Home Super Saver Scheme (FHSSS) for an investment property? - What’s the real purpose of defensive assets when you’re investing long-term? - Do you count your emergency fund as part of your defensive allocation? - The difference between accountants, money coaches, financial advisers and planners, and when to use each one - How to know when paying for advice is actually worth it - And should you DIY insurance? - Plus Owen chats about his struggle with using credit card award points. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts – and send in your questions via the link below. Resources for this episode Insurance: https://www.raskmedia.com.au/services/life-insurance/ Rask property course: https://education.rask.com.au/courses/free-property-course/ First Home Super Saver info from Pearler- https://pearler.com/fhss 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: [@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 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

Today, your host Gemma Mitchell is joined by Tahli Cavagnino, senior financial adviser with the Rask Advice team, to share 5 tips each to survive Christmas spending without blowing the budget. From gift-giving hacks to travel, food and holiday traditions, Gemma and Tahli cover practical ways to keep the festive season joyful (and affordable). In this episode we cover: - Hacks to save on food and reduce waste - Tips for thoughtful (and budget-friendly) gift giving - Travel ideas that don’t break the bank - How to manage time off work without blowing your income - Setting boundaries and creating your own holiday traditions Subscribe for weekly episodes on Apple, Spotify, YouTube or wherever you get your podcasts. 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

In this episode, Pete Wargent from the Australian Property Podcast and Gemma Mitchell from the Australian Finance Podcast dig into one of the biggest game-changers for your finances – setting clear goals. But not just any goals — the right ones for you. We cover: Is it really a goal, or just a nice idea? Do you actually need clear goals to succeed? Why most goals fail (and what people get wrong) How to set goals that are right for you, not just what everyone else is doing Setting realistic goals – and action plans to match Gemma’s 5-step process for setting goals that actually stick Keen to hear more? Check out our other episodes on the Australian Finance Podcast. Want property tips? Make sure you check out other episodes of the Australian Property Podcast. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Rask Resources Pete's Buyers Agency: https://www.allenwargent.com.au PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK Amy Lunardi Buyers Agency (Melbourne) www.amylunardi.com.au  Alcove mortgage broking: https://www.raskmedia.com.au/services/mortgage-broking  All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions we answer on this episode:  - How the Age Pension works alongside superannuation (and yes, you can have both)- What happens to your super if you die without a will- Mortgage vs ETFs: which should you focus on after buying your first property? - What debt recycling actually means, and whether it’s worth considering- Wrap accounts explained: are advisers incentivised to recommend them? Plus:  What to ask your adviser to understand their advice!  Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts – and send in your questions via the link below. Resources for this episode - Debt Recycling information- https://www.rask.com.au/financial-advice/debt-recycling-masterguide/ - Buy Gemma’s book The Money Reset- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your host Owen Rask sits down with Phil Thompson, the founder of Skye Wealth. Phil reveals how he bought into a financial advice business at 24, navigated six years of no growth, and then pivoted the business to insurance-only — ultimately building a team of over 55 and generating over $4.3 million in annual revenue. If you like this episode, 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 insights. Topics Covered – Buying a business with no money – Vendor finance: what is it & how it worked for Phil – What it’s like to flatline for 6 years in business – Why he almost left the industry in 2018 – Pivoting to insurance-only advice – Leveraging partnerships with Glenn James & others – The supply & demand gap in personal insurance advice – Why specialization scaled Skye Wealth – How tech, automation & dashboards drive their service – How Phil maintains culture with over 55 staff – How they manage Filipino & Australian team members equally – The surprising truth behind Time Doctor & productivity tracking – Setting a 2027 target: becoming #1 in Australia – Servant leadership & inverted org charts – Pay transparency and performance reviews – Hiring, firing & leading with trust – Building culture through retreats, feedback & honesty Resources for this episode 📄 Learn more about Skye Wealth Show partner resources 💰 Join Pearler using code “RASK” for $15 of Pearler Credit 📊 Get 50% off your first two months using PocketSmith 📈 View Betashares full range of funds Rask resources 🔗 Explore all Rask services 📋 Learn about Rask Financial Planning 📈 Start investing with Rask 📜 Access Show Notes ❓ Ask a question – just select the Finance Podcast 📲 Follow us on social media Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Gemma Mitchell is joined by Lexi Smith from MoneyVine to unpack a little-known work perk that’s actually worth it — financial wellbeing workshops. If you enjoyed this chat, don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. In this episode, Gemma and Lexi dive into: - What are financial being workshops - What are other employers doing - Why they work (and should be added to the next pizza party!) Resources for this episode Rask Corporate workshops- https://www.raskmedia.com.au/services/corporate-financial-wellness-programs-australia/ Connect with Lexi Smith https://moneyvine.com.au/ PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Franking credits, ETF fees & starting from zero – we’re answering your burning questions. In this episode of the Australian Finance Podcast, your host Gemma Mitchell is joined by Mitchell Sneddon, Head of Funds at Rask and co-host of the Australian Investor Podcast, to tackle your questions! Questions answered in today’s Q&A - What a franking credit actually is - How ETF management fees are taken (and why you don’t see the money leave your account) - What annual fees look like on an $800,000 portfolio - Do you need a financial adviser if you have zero investing experience? - The best first steps to understand investing if you’re just starting out - Plus: a deep dive into the investing royalty you need to know — Peter Lynch, Charlie Munger and Warren Buffett. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts – and send in your questions via the link below. Resources for this episode - The Psychology of Money book - Episode on investment strategy - Vanguard report - Betashare ETF Mitchell spoke of - Buy Gemma’s book The Money Reset - Ask a question (select the Finance podcast) Show partner resources - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your hosts Owen Rask and Phil Thompson from Skye Wealth dive into the world of life insurance in Australia. They cover: – What personal insurance is and why it matters – The different types of cover (life, TPD, trauma, income protection, child cover) – How Aussies typically get insurance & what options are best – The role of financial advisers & how they help simplify complex insurance decisions If you liked this Australian Finance Podcast episode on personal insurance, you’ll love our other episodes on protecting your financial future. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Topics Covered – What is Personal Insurance? – Life Insurance: Who needs it? – Total and Permanent Disability (TPD) Cover – Trauma Insurance: What is it? – Income Protection: How it works and who it’s for – Child Cover: Is it worth considering? – Getting Insurance via Super vs Adviser vs Direct – Why many financial advisers outsource insurance – Why Phil focuses on insurance-only advice – Understanding waiting periods & claim timeframes – What happens during a claim and how advisers help – Tips for reviewing and cancelling insurance safely – Common mistakes Aussies make with insurance – The real cost of doing nothing Resources for this episode - Skye Wealth Show partner resources 💰 Join Pearler using code “RASK” for $15 of Pearler Credit 📊 Get 50% off your first two months using PocketSmith 📈 View Betashares full range of funds Rask resources 🔗 Explore all Rask services 📋 Learn about Rask Financial Planning 📈 Start investing with Rask 📜 Access Show Notes ❓ Ask a question – just select the Finance Podcast 📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask chats with Everest Wealth’s Alex Luck about the 5 most important lessons he’s learned from advising thousands of young professionals and families. In this honest, practical conversation, Alex shares: – Why building an emergency fund is boring—but essential – How the power of compounding favours early investors – Why getting on the property ladder is still a smart long-term move – The power of smart tax structuring (even for everyday investors) – Why keeping an open mind might be your biggest financial edge If you enjoy this episode on financial planning insights for people in their 30s and 40s, subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you listen. Apple → https://podcasts.apple.com/au/podcast/australian-finance-podcast/id1454193127 Spotify → https://open.spotify.com/show/0KEsqdQgVCL6BKomPoNVOz YouTube → https://www.youtube.com/channel/UCvOPFdkhCBIK2Y5QbDtOZXA Follow us on Instagram → https://www.instagram.com/rask.invest/ Follow us on TikTok → https://www.tiktok.com/@rask.invest Topics Covered – Travel and tax planning – Emergency funds: how much is enough? – Why 3 months of expenses is just a starting point – Offsets vs. savings accounts – How much cash is too much cash? – Getting invested early: the compounding magic – ETFs vs. shares: where to start – The power of low fees and diversification – Gearing explained: good or bad? – The truth about getting into the property market – Why you probably can’t out-save property prices – First Home Super Saver Scheme – First Home Guarantee (5% deposit scheme) explained – Mortgage brokers: why you need one – Tax structuring 101: names, trusts, companies – Common mistakes with tax on investments – Building an investment strategy that works with your structure – Why being open minded is underrated – Bitcoin, gold, ETFs, property—diversification in action – Advice from a financial planner: what a real plan looks like Resources for this episode Everest Wealth ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Finance Podcast, your host  Gemma Mitchell is joined by Rask Advice senior adviser Tahli Cavagnino (while Owen’s away!) to tackle your questions! Questions answered in today's Q&A: - What really happens when your super goes into pension mode and how the tax-free income stream works- The smart way to invest for your kids and what happens at 18 when you want to transfer the funds - Whether you can salary sacrifice into your partner’s super, whose cap it falls under, and if it counts for the First Home Super Saver Scheme- And when a credit card can actually be a good idea for young investorsDon’t forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts – and send in your questions via the link below. Resources for this episode - Buy Gemma’s book The Money Reset- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask breaks down how investors can take advantage of the AI boom through a practical investing framework. Drawing inspiration from Geoffrey Moore’s classic book The Gorilla Game, Owen walks you through: – The 4 types of companies to look for in high-growth industries – Where AI is creating the most value (from chips to cloud to applications) – Which companies are leading the AI charge – Why ETFs can help you reduce risk and still capture long-term gains If you like this Australian Finance Podcast episode on investing in artificial intelligence, you'll love our series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more investing insights. Topics Covered – What is the AI investment opportunity? – The 4 business types from The Gorilla Game: Gorillas, Kings, Chimps & Princes – Why Nvidia, Microsoft, Alphabet & TSMC are AI “Gorillas” – Key subsectors of AI: Compute, Networking, Cloud, Applications – Companies to watch: Palantir, Snowflake, OpenAI, Anthropic – AI-adjacent opportunities: Cybersecurity & Infrastructure – Using ETFs to reduce risk and gain exposure to AI – The benefits of “moderate gearing” through ETFs – AI hype vs structural trends: What matters for long-term investors – Why you need a solid “core” in your portfolio before adding AI themes Resources The Gorilla Game book ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your host Owen Rask is joined by Tom Wickenden from Betashares to explore the world of income-focused ETFs. In this deep-dive, they discuss: – Why income from ETFs is more relevant than ever – How ETF structures can provide access to monthly or quarterly income – The difference between placing cash in an offset vs investing – What happens in a low interest rate environment – Strategies to blend growth and income using ETFs Whether you're saving for financial independence, building income in retirement, or simply want your money to work harder, this episode is packed with practical ETF ideas and frameworks. If you like this Australian Finance Podcast episode on ETF income strategies, you’ll love our other expert interviews. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more investing insights. Resources for this episode Resources: https://www.betashares.com.au/fund/ ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares’ full ETF range – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

From whether you really need to own a home in Australia to unpacking what a re-contribution strategy is, we’re diving into your biggest money questions. In this week’s Australian Finance Podcast Q&A, Owen and Gemma cover everything from offset accounts and investment choices to buying property for family and understanding how ETF holdings work. Plus, it’s Gemma’s birthday episode – she reflects on her biggest money lessons from four decades of life and finance. Questions answered in today’s Q&A: - Do you need to own a home in Australia? - I bought my first home last year using an inheritance for the deposit. Now more than half of my loan is offset with cash, and my rate is 5.53%. With interest rates dropping, should I leave it in offset or look at investing in shares, property, or something else?- What is a re-contribution strategy and why would you use it?- I’m more of a share investor, but I’d like to help family by buying an investment property. Where’s the best place to go for help?- What’s the difference between holding my ETFs directly with BetaShares or Vanguard versus through a share registry like Computershare? And why is BetaShares prompting me to move my ETFs across? Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. Resources for this episode - Owens webinar on 10% returns https://www.youtube.com/watch?v=XldMhJBY09Q - Mortgage broking- https://www.raskmedia.com.au/services/mortgage-broking/ - Buy Gemma’s book The Money Reset- https://amzn.to/42Uz0aKAsk a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Owen Rask dives into one of our most requested topics – an updated review of Pearler in 2025. Owen breaks down: – What makes Pearler unique as an investing platform – How it encourages long-term investing with less stress – The powerful automation features now available – Why 87% of users are choosing ETFs over stocks – Super, US shares, and more: How Pearler is evolving If you're looking to simplify your investing and automate your money, this episode is a must-listen. Whether you’re brand new to Pearler or already using it, you’ll find something helpful. Subscribe for more on Apple here, Spotify here, or YouTube here! Follow us on Instagram and TikTok for more. Resources for this episode pearler.com ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months with PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of ETFs – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, always speak to a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask sits down with Scott from Everest Wealth to explore the journey of building one of Australia’s fastest-growing financial advice firms. They cover: – How Scott went from UK football trials to financial planning – Starting Everest with co-founder Alex after a round of golf – Why Everest focuses on scalable, accessible advice for under-50s – How they went from 0 to 60 staff and 85 advice plans a month – What makes Everest Rask’s most referred-to advice partner Whether you're an aspiring financial planner, entrepreneur, or someone seeking advice, Scott’s journey offers practical lessons and inspiration. If you enjoyed this Australian Finance Podcast episode with Everest Wealth, be sure to subscribe on Apple (https://podcasts.apple.com/au/podcast/australian-finance-podcast/id1454193127), Spotify (https://open.spotify.com/show/0KEsqdQgVCL6BKomPoNVOz), YouTube (https://www.youtube.com/channel/UCvOPFdkhCBIK2Y5QbDtOZXA), or wherever you get your podcasts! Follow us on Instagram (https://www.instagram.com/rask.invest/) and TikTok (https://www.tiktok.com/@rask.invest) for more money and investing content. Topics Covered – Scott’s origin story: Soccer dreams, UK banks & BT Financial – Transitioning from BDM to adviser – Everest’s founding story and early hurdles – Growing to 60 staff and 85+ advice plans monthly – Why Everest focuses on 50-and-under advice – Everest’s success serving Rask & finance podcast audiences – Scott’s take on commercial property in super – Advice for aspiring business owners – Why Everest starts with one-off advice, not ongoing by default – Challenges & learnings from building a scaling advice business – Tips for people starting a business or side hustle – Financial planning for couples & super balancing – Credit scores and why they matter (or don’t) in Australia – Scott’s money lesson to his younger self ~~ Rask Resources ~~🔗 Explore all Rask services – https://bit.ly/R-services📋 Get Financial Planning – https://bit.ly/R-plan📈 Start investing with Rask – https://bit.ly/R-invest📜 Access Show Notes – https://bit.ly/R-notes❓ Ask a question – just select the Business Podcast – https://bit.ly/R-quest📲 Follow us on social media:– Instagram: @rask.invest– TikTok: @rask.investDISCLAIMERThis podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it.If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) here: https://www.rask.com.au/fsg. Learn more about your ad choices. Visit megaphone.fm/adchoices

From our best saving and investing tips to whether Raiz rewards are really free money, we tackle your biggest money questions. We cover spouse super hacks, bonds, free ETF tools, and how to flip resentment when your parents haven’t set up for retirement. In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A, diving into: Questions answered in today's Q&A: - Owen & Gemma’s best money saving tip and best investing tip - Free tools to compare ETFs and stocks (like CommSec’s screener) - Bonds – should you only consider them as you get older? - Super strategy – making spouse contributions work - How Raiz rewards and cashback investing really works - Flipping the narrative when your parents struggle financially ~~Books by our team~~ - Gemma Mitchell - Kate Campbell - Drew Meredith - Pete Wargent Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. ~~ Resources for this episode ~~ - ETF compare tools - Buy Gemma’s book The Money Reset - Episode on Inheritance with Besty Westcott - Rask Ten things activity - Ask a question (select the Finance podcast) ~~ Show partner resources ~~ - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds ~~ Rask resources ~~ - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this bonus episode of the Australian Finance Podcast, host Gemma Mitchell is joined by financial adviser Tahli Cavagnino to unpack the key money moves you should be focusing on in your 30s – from building wealth and growing investments to protecting what you’ve already achieved. They also dive into the common traps that can trip you up in this decade, and how to avoid them so you can set yourself up for the future with confidence. Chapters (approximate) (00:00) Introduction (01:51) Portfolio Performance Overview (06:53) What's going on with NVIDIA? (10:39) Merger Insights: Solpatz and Brickworks (19:39) The Allure of Stock Picking (29:12) AI's Impact on Investing (30:38) Owen's Crazy Idea (32:17) Public vs Private Markets (38:45) The Future of Active Management (40:48) Drew's Two Asset Class Picks (42:28) Be More Like Warren Buffet or Charlie Munger? (44:41) Bridging the Gender Gap in Investing Resources for this episode PreSales for Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Finance Podcast, your host Gemma Mitchell is joined by financial wellness coach Betsy Westcott to unpack the complexities of inheritance. With an estimated $3.5 trillion expected to change hands in Australia over the coming decades, more people will be navigating the financial and emotional realities of receiving an inheritance. Together, Betsy and Gemma explore: – The emotional weight of receiving a financial legacy – How to manage family dynamics and partner expectations – What to do first (hint: it’s not investing!) – How to seek the right advice and build a trusted team – What happens if you're not expecting an inheritance This conversation is packed with practical tips and deep emotional insights. Subscribe to the Australian Finance Podcast on Apple, Spotify, or YouTube to stay up to date. Topics Covered – What is the $3.5 trillion intergenerational wealth transfer? – Giving with warm hands vs inheritance after death – Emotional responses: grief, guilt, identity shifts – The pressure to “do the right thing” with inherited money – Managing inheritances in a couple or family context – Time-sensitive tax implications for inherited property – Who to include in your financial "village" – Roles of a financial adviser, accountant, lawyer & money coach – Why flexibility and patience are key in early decisions – Teaching kids about money and building your own legacy – What to do if you’re not receiving an inheritance – Why open conversations about money are critical Resources for this episode – Betsy Westcott’s Inner Money Journey ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

From Elon-level ETF worries to whether you should stick with one provider, we tackle the big investor ‘what ifs’. Plus: should high schools be teaching investing, how to prepare financially for separation, and what really happens to your FHSSS if you change super funds. We cover it all this week! In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A, diving into: - Could you really get stuck in an ETF if you end up with Elon Musk–levels of money?- Is it better to stick with one ETF provider or spread across a few? - Should high schools be teaching saving and investing to Year 11 & 12 students?- How to financially prepare for separation after a long marriage.- What happens to your FHSSS if you change super funds? - Plus things to watch out for when changing super funds.  Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. Resources for this episode - Buy Gemma’s book The Money Reset - First Home Super Saver Episode - Ask a question (select the Finance podcast) ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this bonus episode of the Australian Finance Podcast, host Gemma Mitchell is joined by financial adviser Tahli Cavagnino to share practical tips on making the most of your money in your 20s. This bite-sized episode packs in simple, actionable moves to help you set up your financial future without the overwhelm. If you like this Australian Finance Podcast episode, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode PreSales for Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your host Gemma Mitchell is joined by one of our very own community members who is also a Pocketsmith Super-User.  Andrew takes us through how he uses the personal finance software and how it's so much more than a budgeting tool. But don't worry, this isn't just a sales pitch for Pocketsmith (who is a sponsor and we love!) they also talk about money hacks, other ways to budget, the power of tracking net worth and why every couple needs a household CEO & a CFO (and what that actually means for your household money!).  Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith If you like this Australian Finance Podcast episode, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode PreSales for Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  Chapters (approximate)(00:00) Introduction(05:08) Transitioning from Spreadsheets to PocketSmith(07:50) Managing Finances with PocketSmith(12:48) Do You Need to Track Every Dollar?(14:23) PocketSmith Features(15:15) Andrew's PocketSmith Insight(18:10) Communication in Financial Management(19:44) Personalisation and Financial Habits(23:17) Bank Accounts(28:51) Tips & Tricks for PocketSmith(36:07) Superpower of PocketSmith(39:10) Difference in Expense History(41:06) Budgeting Myths and Misconceptions(42:56) What Andrew Wishes He Knew at 20 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Travel vs Property, Debt Recycling, Selling Shares & Wills – We cover it all this week! In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A, diving into: - Travel or buy property – which comes first?- Debt recycling (and whether it works for business).- When to sell your shares.- Making wills simple (and cheap).Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. Resources for this episode PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK First Home SUper Saver Episode - https://www.youtube.com/live/Tn8KrAF58aw?feature=shared Owens article on when to sell- https://www.raskmedia.com.au/2023/10/31/10-reasons-to-sell-shares/ Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your host Owen Rask takes you through 10 essential questions to ask a mortgage broker before buying a property. Whether you're a first-time buyer or upgrading, you'll discover: – What mortgage brokers actually do – How they get paid and what it means for you – How they can help improve your borrowing power – The must-ask questions before getting a loan If you liked this Australian Finance Podcast episode on working with mortgage brokers, you’ll love our free Property Buying course. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more investing insights. Topics Covered – What does a mortgage broker do? – Why would you use one over going directly to a bank? – How mortgage brokers get paid – How much deposit do you really need? – What is LMI (Lenders Mortgage Insurance)? – Are there government schemes or grants you qualify for? – How to increase your borrowing power – Should you pay down HECS and buy-now-pay-later debts first? – What’s the process of getting a loan approved? – Will your mortgage broker support you after settlement? – Should you borrow through a trust, company, or as an individual? – Fixed vs variable rates, offset accounts, redraw facilities – Do they compare every bank? – Key risks to watch out for when choosing a broker ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit - https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith - https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds - https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services - https://bit.ly/R-services 📋 Learn about Rask Financial Planning - https://bit.ly/R-plan 📈 Start investing with Rask - https://bit.ly/R-invest 📜 Access Show Notes - https://bit.ly/R-notes ❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) - https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask chats with Cameron Gleeson from Betashares about their newly launched HYLD ETF – the Betashares S&P/ASX Australian Shares High Yield ETF. They cover: – How HYLD is built and what sets it apart from other dividend ETFs – The ETF ecosystem: index providers, market makers, and transparency – Why avoiding “dividend traps” matters for income investors – How HYLD uses yield, volatility, and momentum filters to improve risk-adjusted income – Monthly distributions and who the ETF might suit If you like this episode on HYLD and dividend investing, you’ll love our other investing deep-dives. Subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more investing insights. Topics Covered – ETF ecosystem explained: roles of index providers, ETF issuers, and market makers – Why ETFs can be tax effective for high-income earners – Construction rules for HYLD: consensus dividend estimates plus market-based signals – Avoiding stale data and dividend traps (examples: AMP, Star Entertainment) – Filters: yield >12%, worst momentum, and risk-adjusted yield exclusions – HYLD’s current yield vs. the broad market – Turnover and its impact on tax efficiency – Why HYLD pays monthly distributions – Core vs. satellite ETF use cases – Comparing HYLD to bonds and other dividend ETFs Resources for this episode NEW: Betashares High Yield Shares ETFCam's article on dividend traps ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

A300 and HYLD, Trash Finds, Tax Time, IPO Secrets & Rate Cuts – We cover it all this week! In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A and answering your questions on: Should I be doing anything with the new interest rate drop? Will my rate automatically change? - How does someone invest in a company prior to its IPO? - Is it better to invest as a couple or separately? - I’m in my 40s, new to Australia. What should be my strategy to increase super? - Flipping trash- When is it a hobby vs a business?  - Plus they chat about the newest ETFs to hit the market… A300 and HYLD. Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. Resources for this episode - Sign up for the Ladies Finance Club Online summit- https://www.ladiesfinanceclub.com/online-wealth-summit-2025 - PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this bonus episode of the Australian Finance Podcast, Gemma’s flying solo to bring you her top 5 free (yes, free!) Rask resources that can help you get on top of your money, build confidence, and take real action—without spending a cent. From free courses to tools and downloads, these are perfect whether you’re just starting out or ready to refine your money game. No fluff, just the good stuff. Podcasts https://www.raskmedia.com.au/podcasts/ Courses https://education.rask.com.au/ Community https://community.rask.com.au/users/login 15 min chat-  https://calendly.com/gemma-rask/quick-chat-rask Got a question for our friday Q&A sessions? Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Pete Wargent from the Australian Property Podcast and Gemma Mitchell from the Australian Finance Podcast join forces to bring you a special episode on what to focus on financially at every age and stage of life. From your 20s to your 60s and beyond, they talk tips and traps for every stage.  From buying a house, to investing and when you should be paying attention to super- we are covering: What should we be focusing on at different ages Investing vs paying down debt at different stages Tips and traps for different ages Keen to hear more? Check out our other episodes on the Australian Finance Podcast. Want property tips? make sure you check out other episodes of the Australian Property Podcast. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Rask Resources Pete's Buyers Agency: https://www.allenwargent.com.au PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK Amy Lunardi Buyers Agency (Melbourne) www.amylunardi.com.au  Alcove mortgage broking: https://www.raskmedia.com.au/services/mortgage-broking  All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Investment hacks, AI fears, Debt recycling, family trusts & whether you really need VAS – there is a lot packed into this one!  In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A and answering your questions on: - Why some people invest through bucket companies- If you actually need a lot of money to see a financial adviser - What to do once you’ve fully debt recycled your home loan - Whether fees in your super are tax-deductible- Is it still worth having a family trust if it’s not saving you tax (yet)?- And how to clean up your financial life if it feels like a mess Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. Chapters (approximate) 00:00 Introduction 04:15 Investment Bonds: Are They Worth It? 07:17 Understanding Bucket Companies and Tax Strategies 10:18 Building Wealth on an Average Income 13:03 Active vs Passive ETFs: What You Need to Know 16:16 The ASX 200: How Are Companies Selected? 19:44 Understanding the ASX 200 21:53 The Value of Financial Advisors 23:29 When to Seek Financial Advice 25:40 Portfolio Construction: Soulpats vs. ETFs 27:08 Superannuation Fees and Tax Deductions 31:06 The Role of Family Trusts 35:55 AI's Impact on Society 37:57 Debt Recycling Strategies 40:14 Cleaning Up Your Finances Resources for this episode - Sign up for the Ladies Finance Club Online summit- https://www.ladiesfinanceclub.com/online-wealth-summit-2025 - Epiosde- Family Trusts: https://youtu.be/wLBybwjbHBc?feature=shared - Get Rich Quick episode- https://youtu.be/ApxQv4ddRqk?feature=shared - Books we recommended: Emma Edwards Good with Money. Victoria Vivente Know Your Worth. Queenie Tan The Fun Finance Formula - PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this tongue-in-cheek solo episode of The Australian Finance Podcast, your host Owen Rask breaks down how to build wealth in Australia — the right way. Forget get-rich-quick schemes. Owen shares his personal philosophy and five practical steps to reach your first $100k fast, then explains how to turn that into a million dollars (and beyond). He draws inspiration from Charlie Munger, Queenie Tan, and the concept of the “cashflow quadrant” to help listeners structure their financial journey through saving, side hustles, smart property strategy, and good investing habits. If you like this episode of The Australian Finance Podcast, subscribe for free on Apple (https://podcasts.apple.com/au/podcast/australian-finance-podcast/id1454193127), Spotify (https://open.spotify.com/show/0KEsqdQgVCL6BKomPoNVOz), YouTube (https://www.youtube.com/channel/UCvOPFdkhCBIK2Y5QbDtOZXA), or wherever you get your podcasts! Follow us on Instagram (https://www.instagram.com/rask.invest/) and TikTok (https://www.tiktok.com/@rask.invest) for more insights. Topics Covered – Why “get rich quick” is a myth – Charlie Munger: Why the first $100k is the hardest – Queenie Tan explains compounding from $100k to $1m – 5 ways to reach $100,000 fast Free financial education Hard work + saving Creative side hustles Having high levels of personal agency Focus + career specialisation – Using the Cashflow Quadrant: PAYG → Contractor → Business Owner → Investor – Why buying a property first can unlock faster wealth – Debt recycling strategy: property + shares = turbocharged – Why millionaires have 7 income streams – How to invest reliably (not speculatively) – Surrounding yourself with ambitious people – Taking full responsibility for your money Resources for this episode 📊 Rask’s free ETF Investing Course – https://education.rask.com.au 📋 Learn about Rask Financial Planning - https://bit.ly/R-plan 🔗 Explore all Rask services - https://bit.ly/R-services 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes - https://bit.ly/R-notes ❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest - https://www.instagram.com/rask.invest/ TikTok: @rask.invest - https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) - https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your host Owen Rask sits down with Cameron Gleeson from Betashares to explore how defined income ETFs can provide greater certainty for income-seeking investors. In this conversation, they unpack: – What defined income ETFs are and how they work – The difference between traditional bond ETFs and fixed-term ETFs – How ETFs like 28BB, 29BB and 30BB offer fixed maturity dates and steady distributions – Why these ETFs are gaining attention in a falling interest rate environment – How defined income ETFs compare to term deposits If you like this Australian Finance Podcast episode on generating reliable income from ETFs, be sure to subscribe for more expert insights on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more investing tips. Topics Covered – What is Defined Income? – The Need for Predictable Income in Today’s Market – Traditional Bond ETFs vs Defined Income ETFs – How Fixed-Term ETFs Like 28BB, 29BB, 30BB Work – Understanding Yield to Maturity and Monthly Distributions – ETF Liquidity and Exit Options Before Maturity – Capital Certainty: Why This Matters to Investors – Use Cases for Retirees, Savers, and Term Deposit Alternatives – The Role of AAA (Cash ETF) and OZBD in a Defensive Portfolio – How to Blend Fixed-Term ETFs into Your Strategy – Risks, Credit Quality, and RBA Rate Cuts – What Happens at Maturity and Rolling to New Series Resources for this episode Ask a question – just select the Finance Podcast – https://bit.ly/R-quest ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Finance Podcast, Gemma is joined by Mitchell Sneddon- Rask’s Head of Funds Management. Mitchell is in the hot seat for this special Q&A session - answering all your investing questions. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below.  Your questions answered today: - Tax deductibility of advice fees - Choosing individual shares as a beginner ETF investor - Long-term impact of volatility decay in geared ETFs - Ideas for diversifying beyond VAS and VGS (including VAE) - Understanding ETF diversification with just VAS and VGS - Comparing ETF management fees and what really matters Resources for this episode - Betashares episode- Currency hedging explained: what Aussie investors need to know - PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #finance #asx Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this bonus episode of The Australian Finance Podcast; your midweek dose of quick, practical money tips to keep you on track between our longer Monday shows and Friday Q&As. Today, Gemma Mitchell is joined by Financial Adviser Tahli Cavagnino to bring you three simple money maths concepts everyone should know. Spoiler: you don’t need to be a maths whiz to build wealth. These formulas are basic, practical, and seriously helpful. In this episode, you’ll learn: – The Rule of 72 – How long it takes to double your money – The FIRE Number (x25 Rule) – How much you need to live off your investments – The 4% Rule – How much you can safely withdraw each year in retirement These are must-know money shortcuts for anyone wanting to take charge of their future, no complicated maths needed. Resources for this episode Presales for Gemma’s book “The Money Reset” https://amzn.to/42Uz0aK Ask a question (select the Finance podcast) https://bit.ly/R-quest ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds: https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #finance #asx Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask is joined by financial adviser and Everest Wealth co-founder Alex Luck to break down seven practical money tips to kick off the new financial year. Whether you’re new to managing your money or ready to level up, this episode covers: – Education, advice, and the value of financial planning – Creating clear goals and a realistic budget – Dealing with debt and cash flow – Investing with confidence and starting now Alex shares insights from years of working with clients at all stages of life and helps unpack what’s really important when it comes to building wealth sustainably. Subscribe on Apple, Spotify, YouTube, or wherever you listen to great podcasts. You can follow Rask on Instagram and TikTok for quick financial tips. Topics Covered – Why a financial fresh start in July matters – How to set achievable money goals – The role of education vs. advice – Dealing with analysis paralysis – Credit card, buy now pay later, and debt payoff strategy – How to talk money with your partner – Aligning your spending to your values – How to make your first investment today – What Everest Wealth does for clients across Australia – Why personal finance is a series of small wins Resources for this episode 📄 Learn more about Everest Wealth and book a free chat: 👉 https://everestwealthgroup.com.au/ 🧮 Free course: How to plan your financial goals – https://education.rask.com.au ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit - https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith - https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds - https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services - https://bit.ly/R-services 📋 Learn about Rask Financial Planning - https://bit.ly/R-plan 📈 Start investing with Rask - https://bit.ly/R-invest 📜 Access Show Notes - https://bit.ly/R-notes ❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Finance Podcast, Gemma is joined by Tahli for your weekly Q&A and answering your questions. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. Your questions answered today: – Tax question: Can I pay $500 onto my home loan, then redraw it to invest and claim the interest as tax-deductible? – Help request: I’ve got $10k, am 53, on WorkCover, no assets — what should I do so my kids don’t spend it? – Super question: Should I split super to my wife on maternity leave or grow my own, especially if she has a higher balance? – Advice needed: How do I find a good accountant or financial adviser? Resources for this episode: – How to find an adviser – Debt recycling – Book in for Rask financial advice – PreSales for Gemma’s book The Money Reset – Ask a question (select the Finance podcast) Chapters (approximate) (00:00) Introduction (07:01) Debt Recycling with Home Loan and Micro-investing (14:49) How To Find a Good Accountant & Financial Adviser (19:02) Where Should I Invest my Money? (25:27) Maternity Leave Superannuation Strategies (27:25) Super Government Co-Contribution (28:47) Super Spouse Contribution (30:14) Super Contribution Splitting (36:11) Episode Recap ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit https://bit.ly/Pearler Get 50% off your first two months using PocketSmith https://bit.ly/R-PocketSmith View Betashares range of funds https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #finance #asx Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask shares 5 essential questions to ask your accountant this tax season. You’ll learn how to: – Maximise deductions and find missed opportunities – Learn what successful clients do to minimise tax – Plan ahead for your next big financial decisions – Track your net worth like a pro – Make your investing admin easier for next year If you love learning about listed investment businesses and alternative investing, subscribe to the Australian Investors Podcast on Apple, Spotify, or YouTube! Follow us on Instagram and TikTok for more practical finance tips. Topics Covered – Why tax time is your responsibility, not your accountant’s – The true cost of DIY tax returns – What good accountants do differently – 5 tax-time questions you must ask – Planning ahead for investing, buying property, and growing a family – Why structuring your investments matters – The hidden benefits of talking to your accountant more than once a year Resources for this episode – Ask a question – just 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 full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Owen Rask and Cameron Gleeson from Betashares dive into the world of currency hedging. If you invest in global markets — especially US stocks — you need to understand how foreign exchange (FX) movements can significantly impact your returns. Cameron breaks down: – What currency hedging means – How the AUD/USD exchange rate affects your portfolio – The difference between hedged and unhedged ETFs – Why hedging can reduce volatility and risk – How long-term investors should think about hedging This episode will help you make more informed decisions with your overseas investments. If you’ve ever owned ETFs like NDQ, IVV, or VGS — this episode is for you! Subscribe for weekly episodes via Apple, Spotify, or YouTube! Follow us on Instagram and TikTok for more investing tips. Topics Covered – What is currency hedging? – How the AUD/USD exchange rate affects returns – Hedged vs unhedged ETF examples (NDQ vs HNDQ) – When hedging helps (and when it doesn’t) – What investors can learn from history (2001–2007) – Why your time horizon matters – A simple strategy using 30–35% hedging – TOFA tax rules and why they matter – How Betashares ETFs handle hedging and tax efficiently – What to do if you’ve only ever invested unhedged Resources for this episode 📘 Before you hedge – Betashares guide to currency hedging: Read here 📚 Rask’s free investing courses – https://education.rask.com.au/ ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access show notes – https://bit.ly/R-notes ❓ Ask a question – just select the finance podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A and answering your questions. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below.  Your questions answered today: - The collapse of First Guardian superannuation fund- plus how you can protect yourself.  - What is a margin loan and how it differs from Gearing.  - Stepped vs Level insurance premiums- how they work and what to consider. - Selling your investment property capital gains tax free- is it too good to be true?! - Plus Owen and Gemma talk about the start of something big… for the business, but also with their new little Raiz accounts.  Resources for this episode - ASIC information on First Guardiam - https://www.asic.gov.au/about-asic/asic-investigations-and-enforcement/enforcement-activities/first-guardian-master-fund/ - Episode on Tracy Hall rebuilding after her super and investments was stolen by a con man she trusted- https://youtu.be/X_cEZZjBIcs?feature=shared - Book in for an insurance review- https://www.raskmedia.com.au/services/life-insurance/ - Book in for Rask financial advice- https://www.rask.com.au/advice/ - PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Owen Rask shares 5 essential ways to boost your superannuation fast. From choosing the right investment option to understanding fees and insurance, this solo episode helps you take charge of your retirement savings. Covered in this episode: – The most misunderstood part of super funds – Why your investment option is more important than your super provider – How fees can destroy your retirement balance – Smart ways to contribute more to super – The $500 government co-contribution rule – Why insurance might be eating into your super – Real-life examples comparing fees and returns – How to structure your portfolio as you get older If you want to maximise your retirement savings and get clarity on your super, this episode is for you. Subscribe to The Australian Finance Podcast on Apple, Spotify, YouTube or wherever you get your podcasts: 👉 Apple: https://podcasts.apple.com/au/podcast/australian-finance-podcast/id1454193127 👉 Spotify: https://open.spotify.com/show/0KEsqdQgVCL6BKomPoNVOz 👉 YouTube: https://www.youtube.com/channel/UCvOPFdkhCBIK2Y5QbDtOZXA Follow us on Instagram (https://www.instagram.com/rask.invest/) and TikTok (https://www.tiktok.com/@rask.invest) for more investing insights. Topics Covered – The #1 mistake people make with super – Super fund fees: admin + investment – Investment options inside super funds – Why high fees don’t always mean high returns – Hostplus vs AustralianSuper fee examples – Comparing returns: indexed vs balanced – The 4% Rule and how it applies to super – Concessional contributions: up to $30,000/year – Catch-up contributions for balances under $500k – Government co-contributions for incomes <$62,488 – Insurance inside super: life, TPD, income protection – Why you should review your insurance before switching funds – The hidden cost of paying insurance from your super – How to structure your super as you age – The most powerful step: review your fees & investments today ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Finance Podcast, Owen Rask chats with Queenie Tan – finance creator, new author, and founder of the budgeting app Billroo. They explore: – The money stories Queenie learned from her parents – Why she believes finance should be fun and balanced – How she built a $1 million net worth over 10 years – Launching a successful fintech startup – Her three-part budgeting framework: foundation, fun, and freedom – Tips for reflecting on your money mindset – How she uses “mini retirements” to enjoy life now – What she means by ETFs being like lolly bags 🍬 If you’ve ever struggled to find joy in budgeting or felt torn between saving and spending, Queenie’s advice is a must-listen. Subscribe for weekly episodes via Apple, Spotify, YouTube, or your favorite podcast app. Follow us on Instagram and TikTok for more money insights. Topics Covered – Queenie’s early money experiences and her parents’ financial values – When she first got excited about saving and investing – Building her first $100k (and then $1m net worth!) – How money mindsets are shaped by childhood – “Shadow self” concept and how it influences spending – Launching Billroo: Queenie’s budgeting tool – The 3Fs budgeting method: foundation, fun, freedom – Mini retirements and building a life you don’t need to escape from – Why Queenie says ETFs are like lolly bags 🍭 Resources for this episode 📘 Pre-order Queenie’s new book “The Fun Finance Formula”: https://www.investwithqueenie.com/the-fun-finance-formula/ 📲 Follow Queenie on Instagram: https://www.instagram.com/investwithqueenie/?hl=en 🌐 Learn more at Queenie’s website: https://www.investwithqueenie.com/ 💰 Try Queenie’s budgeting app: https://www.billroo.com/ 📈 Take our free course: financial independence in Australia – https://bit.ly/R-FIRE 📋 Learn about Rask money coaching – https://bit.ly/R-coach 📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. It does not take into account your objectives, financial situation or needs. Always consider if the information is appropriate to your personal circumstances and seek advice from a licensed financial planner. The Rask Group is not a qualified tax agent or financial adviser. Access our Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your hosts Owen Rask and James from Rask discuss key decisions 20-somethings face when starting their money journey. Chapters (approximate) (00:00) Introduction (03:29) Transitioning Careers: From Retail to Financial Planning (06:43) Listener Q&A (08:12) What to Look Out For When Investing (16:08) Should I Invest in Property or ETFs? (26:24) First Home Super Saver Scheme Explained (32:06) Financial Preparation for Starting a Family (35:13) James' Best Investment They cover: – Whether to buy a one-bed apartment or start investing in ETFs – How the First Home Super Saver Scheme (FHSSS) works – Planning financially for a career change – The impact of financial advice and creating buffers – Lessons from James' own financial transition journey If you like this Australian Finance Podcast episode on navigating your 20s, 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 – James’ journey: from retail to financial planner – How to plan financially for a career change – Emergency funds and budgeting during a transition – What is the First Home Super Saver Scheme? – Is 7% deemed return from FHSSS worth it? – Should I buy a 1-bed apartment or invest first? – Why some apartments don’t go up in value – How household income affects home buying options – The long-term benefits of ETF investing – Why “rent money is not dead money” – Financial planning for starting a family – Building buffers and mapping your income gap – James’ best investment (surprising!) Resources for this episode – Ask a question – just select the Finance Podcast ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Owen Rask shares three standout US companies he’d love to own — but doesn’t… yet. He breaks down: – Why Costco is a masterclass in customer loyalty and value – How Intuitive Surgical is leading the robotic surgery revolution – Why American Express continues to be a financial powerhouse Owen explores each company’s business model, growth, and competitive edge — and explains why he’s watching from the sidelines (for now). If you enjoy this type of stock analysis, be sure to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you listen. Follow us on Instagram and TikTok for daily finance insights. Topics Covered – Why most great companies aren’t the ones you see in headlines – Company breakdown: Costco (COST) – Costco’s secret sauce: value, efficiency, and hot dogs?! – Company breakdown: Intuitive Surgical (ISRG) – How robots are transforming modern surgery – Moats, margins, and machine sales: why ISRG dominates – Company breakdown: American Express (AXP) – How AmEx thrives despite high fees and competition – Warren Buffett’s $41B bet on AXP – Why valuation still matters (and what Owen’s waiting for) – Watchlist investing: when great companies are too expensive – ETFs vs individual stocks: what Owen prefers ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, your host Owen Rask chats with Alex Vynokur, founder and CEO of Betashares. Together, they explore: – How Alex started Betashares (mortgaging his home and starting a family) – Why he believes investing must become easier and more engaging – How Betashares Direct and tech are democratising access to wealth – Insights on leadership, culture, superannuation, and financial education If you like this Australian Finance Podcast episode on the evolution of ETFs and personal finance, you'll love our weekly episodes. Don’t forget to subscribe on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more investing insights. Topics Covered – The origin story of Betashares – Challenges and personal risks Alex faced starting out – How feedback and humility shape product development – Key product success stories (like NDQ, QUS) – Lessons learned from mistakes and product changes – The role of Betashares Direct in long-term investing – Open architecture & reducing friction for investors – Why superannuation must evolve & be owned – Trends in housing, investing & retirement wealth – Betashares’ cultural values and leadership style – Financial education as a pillar of growth Resources for this episode 📄 Learn more about Betashares Direct: https://www.betashares.com.au/direct ~~ 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 📄 Explore Betashares’ ETFs: https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Triple treat! In this Australian Finance Podcast episode, your hosts Owen Rask, Drew Meredith, and James O’Reilly dig into the idea of using a self-managed super fund (SMSF) to buy property. They explore: – Buying property inside your super using an SMSF – Why the numbers often don't stack up – Alternative strategies that outperform – The appeal (and reality) of property in retirement portfolios If you liked this Australian Finance Podcast episode on SMSFs and property, be sure to subscribe for new episodes every Monday and Friday on⁠ Apple⁠,⁠ Spotify⁠, or⁠ YouTube⁠! Ask a question – just select the Investors (or Finance) Podcast – https://bit.ly/R-quest Northeast Wealth: https://www.northeastwealth.com.au/ Wattle Partners: https://www.wattlepartners.com.au/ Australian Retirement Podcast: https://www.raskmedia.com.au/podcasts/australian-retirement-podcast/ Follow us on⁠ Instagram⁠ and⁠ TikTok⁠ for more investing insights. Topics Covered – How SMSFs really work when you want to buy property – The actual numbers vs the spruiker pitch – Why most investors are better off in high-growth or geared super – How advisers think about control, flexibility & property myths Chapters – Introduction – James' EOFY Experience – Drew's EOFY Experience – Investments Over or Under? – GOLD Stock – Percentage Change in Median Property Values – Meta Superintelligence Lab – Hamish Douglas on Index Funds Collapsing – Apple Researchers on Reasoning Models – Using Super to Invest in Residential Property – Will the Government Change Negative Gearing? – How Money Deposited in Super is Taxed – Well-Rounded Financial Advisers – Our Thoughts on BYD – Drew's Dad Joke Resources for This Episode – Ask a question – just select the Finance Podcast ~~ Rask Resources ~~ 🔗 Explore all Rask services –⁠ https://bit.ly/R-services⁠ 📋 Get Financial Planning –⁠ https://bit.ly/R-plan⁠ 📈 Start investing with Rask –⁠ https://bit.ly/R-invest⁠ 📜 Access Show Notes –⁠ https://bit.ly/R-notes⁠ ❓ Ask a question – just select the Finance Podcast –⁠ https://bit.ly/R-quest⁠ 📲 Follow us on social media: – Instagram:⁠ @rask.invest⁠ – TikTok:⁠ @rask.invest⁠ DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it. If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) here: https://www.rask.com.au/fsg. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask is joined by Ryan Newman, Director of Research at The Motley Fool Australia, to discuss three ASX companies with exciting growth potential. They explore: – How Ryan finds great companies – What makes ResMed a global health leader – Why GenTrack is disrupting utilities and airports – How Pinnacle structures its boutique funds for success If you enjoyed this chat about ASX growth shares, be sure to subscribe on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts for weekly investing insights! – Subscribe on Apple – Subscribe on Spotify – Subscribe on YouTube – Follow us on Instagram – Follow us on TikTok Topics Covered – Why Ryan Newman loves stock investing – Mistakes and successes from Ryan’s investing journey – How to research companies like a pro – ResMed (ASX: RMD): Sleep apnea and health megatrends – GenTrack (ASX: GTK): Software for utilities and airports – Pinnacle Investment (ASX: PNI): Income from boutique fund ownership – What to look for in a long-term growth business – How optionality and business model strength play into returns – Why patience and understanding your thesis are key Resources for this episode Ask a question (select the Finance podcast) ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) - https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Gemma Mitchell is joined by  Lexi Smith from MoneyVine . They dive into Buy Now Pay Later and some recent changes, and how you can manage your money without needing to dive into debt. If you enjoyed this chat, don’t forget to subscribe for more episodes on Apple, Spotify, YouTube or wherever you get your podcasts. In this episode, Gemma and Lexi dive into: What is Buy Now Pay Later What's changing? How the changes could impact you? How to use it as a tool Gemma and Lexi’s hacks to curb impulse spending. Plus Lexi’s traffic light activity!  Resources for this episode Gemmas blog- paid off bad debt https://www.gemmamitchell.com.au/blog/baddebt Gemmas blog- BNPL changes https://www.gemmamitchell.com.au/blog/buynowregretlater PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Finance Podcast, Gemma is joined by a very special guest, money coach, Lexi Smith – to answer your questions. Your questions answered today: – How do you manage monthly pay – Debt or savings – where should surplus money go – Starting a new business – how to manage tax – How to help kids manage their first pay check – And Gemma confesses something people may be surprised about – she has been paying off ‘bad debt’ Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. Resources for this episode – What is a money coach episode – Gemma’s bad debt blog – Get your money sorted with Rask free courses – PreSales for 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: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #finance #asx Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask breaks down how to invest in artificial intelligence (AI) using ETFs. With AI transforming everything from your workplace to your portfolio, this episode covers: – How AI could add $16 trillion to the global economy – Which ETFs give you exposure to AI megatrends – The difference between core and satellite ETF strategies – Risks to be aware of when investing in AI-focused funds If you like this Australian Finance Podcast episode on AI investing, 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 AI is a massive opportunity for investors – Understanding NVIDIA and the rise of AI hardware – How ETFs provide diversified exposure to AI – NDQ ETF (Nasdaq 100 – includes Microsoft, Nvidia, Google) – FAANG ETF (Top 10 tech giants: Facebook, Apple, Amazon…) – ATEC ETF (Aussie tech companies using AI) – GXAI & AINF ETFs (Global AI infrastructure and software) – The role of cybersecurity via HACK ETF – Core vs. Satellite ETF strategy – What to look for in ETF fees and risks (MERs, currency risk, tax changes) – Why staying diversified is the key to long-term success – Using ETFs to blend AI exposure with stability Resources for this episode 📄 Learn more about AI and ETF investing: NDQ – BetaShares Nasdaq 100 ETF FAANG – Global X FAANG+ ETF ATEC – BetaShares Australian Technology ETF GXAI – Global X Artificial Intelligence ETF HACK – BetaShares Global Cybersecurity ETF ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit - https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith - https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds - https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services - https://bit.ly/R-services 📋 Learn about Rask Financial Planning - https://bit.ly/R-plan 📈 Start investing with Rask - https://bit.ly/R-invest 📜 Access Show Notes - https://bit.ly/R-notes ❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) - https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, Owen Rask sits down with Melissa Browne – entrepreneur, author, educator, and the powerhouse behind the ‘Her Wealth Her Way’ movement. Mel shares her personal story of rebuilding after divorce, what she wishes more women knew about money, and how thousands have used her financial literacy programs to create lasting change. Melissa opens up about: – Giving away her divorce settlement – Rebuilding her finances from the ground up – Why your money personality matters – The importance of financial agency and understanding your risk profile – How she's helped thousands through her Financial Adulting Plan If you enjoyed this episode, subscribe to the podcast on Apple, Spotify, YouTube, or wherever you get your podcasts! You can also follow Rask on Instagram and TikTok for more investing insights. Topics Covered – Melissa’s financial origin story and early money mistakes – Why even finance professionals get it wrong sometimes – How Melissa started again after divorce – The two types of people who join her financial programs – Understanding your money story and type – How couples can navigate financial differences – Why age-based advice doesn’t work anymore – Practical steps after a major life setback – Financial agency: what it is and why it matters – The silent challenge of money and ageism for women – Preparing financially for health challenges – What “her wealth her way” really means Resources for this episode 📄 Learn more about Mel’s work & freebies ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit - https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith - https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds - https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services - https://bit.ly/R-services 📋 Learn about Rask Financial Planning - https://bit.ly/R-plan 📈 Start investing with Rask - https://bit.ly/R-invest 📜 Access Show Notes - https://bit.ly/R-notes ❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest - https://www.instagram.com/rask.invest/ TikTok: @rask.invest - https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Q&A edition of the Australian Finance Podcast, hosts Owen Rask and Tahli Cavagnino tackle key listener questions that pop up during tax season and portfolio reviews. This episode covers: – How to ensure your ETF tax reporting is accurate – Why rebalancing might not be as crucial for young investors – What to document when doing your own tax – How to choose the right financial adviser or accountant They also share thoughts on gender equity in financial services and the exciting things happening inside the Rask office. If you like this Australian Finance Podcast episode, subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more finance insights. Topics Covered – Women in Finance – Documenting a Brokerage Account – When and Why to Rebalance a Portfolio? – Implications of Inheriting ETFs – How To Find a Good Accountant or Financial Advisor ~~ 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. We cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. 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 Australian Finance Podcast episode, Owen Rask reveals a million-dollar mistake from early in his wealth-building journey. He explains: – The opportunity he missed in the property market – Why he stuck with shares and ignored other strategies – How combining property and shares could have accelerated his financial growth – A powerful lesson in using every tool at your disposal for long-term wealth If you liked this Australian Finance Podcast episode on investing lessons and personal mistakes, subscribe to the show on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more insights. Topics Covered – The $1 million property mistake – Shares vs property: a false choice? – What is debt recycling and equity release? – How to use property to supercharge investments – The role of financial planning in building wealth – Why dogma (shares only or property only) can be dangerous – Lessons from missing the train on property – Using loans strategically for tax efficiency – Warren Buffett's influence—and where it can go wrong – Rethinking financial tools: use the whole toolkit Resources for this episode 📄 Learn more about investing smarter: – Free Property Course ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit - https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith - https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds - https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services - https://bit.ly/R-services 📋 Learn about Rask Financial Planning - https://bit.ly/R-plan 📈 Start investing with Rask - https://bit.ly/R-invest 📜 Access Show Notes - https://bit.ly/R-notes ❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) - https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Owen Rask is joined by Rob Thomson from the Australian Tax Office (ATO) to help you tackle tax time in 2025. Rob shares the ATO's focus areas, common tax myths, and practical steps for getting your return right the first time. Topics include: – The ATO’s "grand final" season: why tax time is so important – The top 3 areas people get wrong on their tax return – The 3 golden rules for claiming deductions – How to avoid ATO scrutiny (and a nasty reassessment) If you liked this episode on preparing for tax time, make sure to subscribe on⁠ Apple⁠,⁠ Spotify⁠,⁠ YouTube⁠, or wherever you listen to great podcasts. You can follow Rask on⁠ Instagram⁠ and⁠ TikTok⁠ for quick financial tips. Topics Covered – Why tax time matters to the ATO – The ATO’s three key focus areas for 2025: 1 – Work-related deductions 2 – Working from home expenses3 – Omitted income (side hustles, ride share, etc.) – What is the “tax gap” and why it matters – The three golden rules of tax deductions – Record keeping tips that can save your bacon – How to apportion work vs personal expenses – Tips for claiming donations – The ATO’s weirdest deduction attempts (Nintendo Switch?!) Episode resources – ATO website – ATO myDeductions App ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast Q&A episode, Owen Rask is joined by Rask Financial Adviser Tahli to tackle real listener questions. In this candid and relatable conversation, they cover: – Investing in Asian and Emerging Market ETFs – How to think about position sizing in a portfolio – What it’s really like to switch careers (from fitness to finance) – Why relatable and accessible financial advice matters – Tahli’s unique money splurge and what it says about values Whether you're building your ETF portfolio or wondering if a finance career is right for you, this episode has something for everyone. If you like this Australian Finance Podcast episode, 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 – Meet Tahli: From Fitness Coach to Financial Adviser – What Inspired the Career Switch? – Early Money Influences & Finding Your Financial Identity – Listener Q: Are Asian ETFs Worth It? (IAA, VAE, EMKT, IEM) – How to Think About Risk & Position Sizing – Why Emerging Markets Can Be Risky But Diversifying – Investing for Different Goals with the Same ETFs – Random Splurges Under $50: Acai Packets & Everyday Joy – The Importance of Relatable Financial Content – Q&A Hosting Twist: Tahli Interviews Owen Resources for this episode – Vaneck’s EMKT ETF– iShares IEM ETF– Luxury Car Tax Rates and thresholds– EV Incentives– Tax structuring explained article – Investing in ETFs for kids tax overview ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this short episode of The Australian Finance Podcast, Owen Rask takes you through three ASX-listed companies with serious long-term growth potential. If you're keen to identify standout shares—or you’d rather play it safe with ETFs—this one’s for you. – Why growth matters more than dividends for some investors – What to look for in a high-quality growth stock – A simple ETF to consider if individual shares aren’t your thing If you enjoy this episode on growth investing, make sure to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more money & investing tips. Topics Covered – Why growth > dividends (for some investors) – 5 things Owen looks for in a growth stock – Share #1: Xero (ASX: XRO) – cloud accounting powerhouse – Share #2: XRF Scientific (ASX: XRF) – materials testing tech – Share #3: RPM Global (ASX: RUL) – mining software leader – The ETF back-up plan: MVW – a diversified Aussie growth basket – Core vs satellite: how ETFs & shares fit together – Why you should still think about valuation (but not obsess!) – The power of time in growth investing – Risks of owning individual companies 📄 Learn more about these companies: – Xero Ltd (XRO) – XRF Scientific (XRF) – RPM Global (RUL) 💡 Rask strategy: core ETFs + satellite shares ~~ 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: I nstagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast Q&A episode, Owen Rask and financial planner Alex Luck (from Everest Wealth Group) answer your burning money questions. Tune in to hear them break down: – Whether paying off your HECS debt early is a smart move – The difference between managed funds and ETFs – Stepped vs level insurance premiums explained – Renting out your home without triggering CGT – The proposed $3 million super tax (Division 296) and why it matters If you enjoy this style of episode, hit subscribe and send us your questions. Listen each week on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more finance tips and Q&As. Topics Covered – Should you make voluntary HECS repayments? – How HECS debt affects borrowing capacity – Managed funds vs ETFs: key differences – What is a stepped insurance premium vs a level premium? – Should you rent out your home short term? – How the 6-year CGT rule works – What is the $3 million super tax (Division 296)? – Why taxing unrealised gains is so controversial – Long-term implications for young Australians’ super – Tips for getting qualified tax and financial advice Resources for this episode 📄 FIRE: 10 things activity – Download PDF 🏢 Get financial advice from Everest Wealth Group ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access show notes – https://bit.ly/R-notes ❓ Ask a question – just select the finance podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

The FHSS First Home Super Saver Scheme is a great way to save for your first home. But it's complicated. Join Owen Rask, founder of Rask, and Gemma Mitchell, financial adviser of 15+ years and Superannuation specialist as they dive into your most important FHSS questions! - What is FHSS? - How does FHSS? - Is FHSS worth it? - Who can use the FHSS? - Super Saver v Savings Account - Is the FHSS risky? ⭐️⭐️ FHSS resources ⭐️⭐️ Pearler FHSS: https://pearler.com/fhss FHSS Calculator: https://www.csc.gov.au/calculators/fhsss-calculator/index.html#/welcome Super 101 course: https://education.rask.com.au/courses/super-beginner/ ⭐️⭐️ Rask resources ⭐️⭐️ Finance podcast: https://www.raskmedia.com.au/podcasts/australian-finance-podcast/ Free community: https://community.rask.com.au/ 📲 Follow us on social media: – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it. DON'T CHANGE SUPER FUNDS UNTIL YOU HAVE CONSIDERED YOUR INSURANCE NEEDS. If you’re unsure, consult a licensed financial planner. The Rask Group is not a qualified tax accountant. You can access The Rask Group’s Financial Services Guide (FSG) here: https://www.rask.com.au/fsg. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your hosts Owen Rask and Navarre Trousselot  (founder of Navexa) explain what Aussie investors need to know before tax time. They cover: – What counts as investment income – Understanding capital gains tax (CGT) – Smart strategies to optimise your return – Common tax-time mistakes and how to avoid them If you like this Australian Finance Podcast episode on tax and investing, you’ll love our other investor guides. 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 tips. Topics Covered – What is investment income? – The basics of capital gains tax (CGT) – Shares, ETFs & crypto: how CGT applies – What’s prefilled and what’s not – DRPs & staking rewards: you still pay tax – The power of capital losses – CGT discount for long-term holds – How marginal tax rates work – Smart deductions: tools, software & home office – Why Navexa helps investors stay organised – EOFY deadlines & planning ahead Resources for this episode 📺 Watch Navarre Trousselot’s last episode on YouTube: https://youtu.be/bJj1w-VereA 🧾 Navexa portfolio tracker: https://www.navexa.com/au 📚 Rask’s tax course: https://education.rask.com.au/courses/tax-course/ ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access show notes – https://bit.ly/R-notes ❓ Ask a question – just select the finance podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, your host Gemma Mitchell is joined by Lottie Dalziel – sustainability expert, founder of Banish, and author of 365+ Ways to Save the Planet, and your money at the same time.  They bust common myths about living more sustainably, explore the biggest impact changes you can make at home (that are good for both the planet and your wallet), and share practical tips to get started today – no perfection required. Whether you’re eco-curious or already composting like a pro, this episode will leave you inspired to take action that actually sticks. If you like this Australian Finance Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode - Find Lottie- Banish | Eco-Friendly & Plastic Free Online Store | B Corp | Australia - Buy Lotties book- Amazon | Booktopia | Dymocks | Readings | QBD Books - Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #finance #asx Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A and answering your questions- covering investing in Gold, super, paying a lot of tax and much more! Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below.  Your questions answered today: - Is it risky using the First home super saver scheme given super is invested? - Help- I pay over $100k a year in tax- what can I do? - Making changes to super from age 60- why isn’t everyone doing this strategy?  - I want to add gold to my investment portfolio- where do I start? Resources for this episode - PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your host Owen Rask explores the big question: Is the Australian property market in a bubble in 2025? You’ll learn: - Why immigration is driving up demand - What’s really going on with housing supply - The impact of interest rates and borrowing power - Whether house price-to-income ratios signal danger If you like this Australian Finance Podcast episode on the 2025 property market, 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 - How strong immigration is affecting housing - What 1% vacancy rates mean for renters - Interest rates and mortgage affordability - Why prices rose despite rate hikes - Is the system overleveraged? - Mortgage stress and default rates in 2025- Price-to-income ratio: what’s too high? - Household confidence and the wealth effect - Government housing targets vs reality - Can we build fast enough to meet demand? - Final thoughts: are we in a bubble or not? Resources for this episode 📄 Learn more about Australian housing & property: Free Property Investing Course (Rask Education) ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit - https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith - https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds - https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services - https://bit.ly/R-services 📋 Learn about Rask Financial Planning - https://bit.ly/R-plan 📈 Start investing with Rask - https://bit.ly/R-invest 📜 Access Show Notes - https://bit.ly/R-notes ❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest - https://www.instagram.com/rask.invest/ TikTok: @rask.invest - https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) - https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, host Gemma Mitchell is joined by award-winning financial adviser Deline Jacovides, founder of Mazi Wealth. Together, they break down the ins and outs of discretionary (family) trusts—what they are, how they work, and when they’re worth considering.​ In this episode, we cover: What a discretionary trust is and how it works in Australia When a trust structure makes sense—and when it doesn’t Investing in shares vs property in a trust The tax benefits of trusts (and when they actually apply) Common misconceptions—like “trusts are only for the rich” The real costs and admin involved in setting up and maintaining a trust Whether you’re building wealth, planning for the future, or just curious about how trusts fit into the bigger financial picture, this episode offers practical insights to help you decide if a trust is right for you. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Delines last episode with Rask: Super & retirement in Australia: a financial adviser’s perspective - YouTube Connect with Deline- About us | Mazi Wealth Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Pete Wargent from the Australian Property Podcast and Gemma Mitchell from the Australian Finance Podcast are back to dive into a big topic – raising financially confident, and competent kids. From choosing between private or public schooling, to saving (or not saving) for your kids, we cover it all. We chat about: Private vs public schooling – the real pros and cons Saving and investing for kids vs focusing on healthy household money habits How you can set your kids up for success without necessarily saving a fortune The money habits (good and bad) to watch for early on Keen to hear more? Check out our other episodes on the Australian Finance Podcast. Want property tips? Make sure you check out other episodes of the Australian Property Podcast. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Rask Resources - these are included by default Pete's Buyers Agency: https://www.allenwargent.com.au PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK Amy Lunardi Buyers Agency (Melbourne) www.amylunardi.com.au  Alcove mortgage broking: https://www.raskmedia.com.au/services/mortgage-broking  All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Finance Podcast episode, your hosts Owen Rask and Hugh Lam from Betashares take you inside the ATEC ETF – Australia’s homegrown tech fund. This episode covers: What the ATEC ETF is and what companies it holds Why investors are paying attention to Australian tech How sectors like AI and cloud computing are driving growth The role ATEC can play in a diversified portfolio If you like this Australian Finance Podcast episode on the ATEC ETF, you'll love our other ETF breakdowns. 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 ATEC? The index behind the ETF Key holdings: Xero, Pro Medicus, NextDC Tech sector in the ASX 200 How ATEC fits in a portfolio Management fees & costs (0.48%) Annual distributions & rebalancing Understanding risk in tech ETFs Why diversify into Australian tech? Final thoughts & where to learn more Resources for this episode 📄 ⁠Learn more about ATEC: BetaShares ATEC ETF Overview⁠ ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit –⁠ https://bit.ly/Pearler⁠ 📊 Get 50% off your first two months using PocketSmith –⁠ https://bit.ly/R-PocketSmith⁠ 📈 View Betashares full range of funds –⁠ https://bit.ly/beta-25⁠ ~~ Rask resources ~~ 🔗 Explore all Rask services –⁠ https://bit.ly/R-services⁠ 📋 Learn about Rask Financial Planning –⁠ https://bit.ly/R-plan⁠ 📈 Start investing with Rask –⁠ https://bit.ly/R-invest⁠ 📜 Access Show Notes –⁠ https://bit.ly/R-notes⁠ ❓ Ask a question – just select the Finance Podcast –⁠ https://bit.ly/R-quest⁠ 📲 Follow us on social media: Instagram: @rask.invest –⁠ https://www.instagram.com/rask.invest/⁠ TikTok: @rask.invest –⁠ https://www.tiktok.com/@rask.invest⁠ DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) –⁠ https://www.rask.com.au/fsg⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices