Australian Finance Podcast

This Rask Rewind episode is pulled from the Australian Finance Podcast archives, with plenty of timeless money lessons worth revisiting.

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.

Resources for this episode

- Sign up for the Ladies Finance Club Online summit

- Epiosde- Family Trusts

- Get Rich Quick episode

- Books we recommended: Emma Edwards Good with Money. Victoria Vivente Know Your Worth. Queenie Tan The Fun Finance Formula

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit

– Get 50% off your first two months using PocketSmith

EOFY deals to know about - ending June/July 2026

– 1 free trade per month, for 12 months, for new Pearler customers

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this episode of The Australian Finance Podcast, your hosts Owen Rask and Gemma Mitchell move from money mindset to money momentum in Episode 4 of the Christian Hull Hot Money Mess series.

After unpacking Christian’s money story, coaching framework and financial dashboards, this episode focuses on what actually helps you make progress toward big goals.

They cover:

– How to invest if your timeframe is 5 years or less

– Investing vs paying down debt: what matters most?

– Christian Hull’s $2 million tiny home goal and possible pathways to get there

– How high-income earners think about wealth building

– How to work out how much wealth you actually need

– Why net wealth and investable assets are different

– The levers that help bridge the gap between where you are and where you want to be

– The role of super, property, investment bonds and debt in long-term wealth building

– What financial planning steps still matter, including insurance and estate planning

If you like this Australian Finance Podcast episode on investing, debt and wealth building, 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.

⁠⁠Download your workbook here⁠⁠

Topics Covered

– Recap: Christian Hull’s Hot Money Mess journey so far

– From goals to momentum: how to actually build traction with money

– Christian’s $2 million tiny home goal: where do you even start?

– Investing when your timeframe is only 5 years or less

– Investment options: offset account, investing, investment bonds and trade-offs

– Investing vs paying down debt: what should come first?

– Understanding new debt and property strategy decisions

– Does negative gearing still matter for future property plans?

– How much money do you actually need to retire or feel financially secure?

– Does the 4% rule still work? What about 5%?

– Net wealth vs investable wealth: why the difference matters

– Bridging the gap between goals and reality using practical financial levers

– Christian’s wealth-building mix: super, investment bonds and property

– Insurance reviews and estate planning: the financial jobs people forget

– Tools to support better money decisions, including Wealth Checker, Super Checker and financial modelling

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you 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 and Gemma Mitchell tackle the questions Australians are asking right now as post-Budget uncertainty ripples through property, super and long-term wealth plans. From negative gearing and borrowing power to super contributions, calculators and inheritance, this is a practical Q&A for people who want clearer next steps.

Owen and Gemma explain why property decisions feel harder when tax rules move, how lenders may react before the broader market does, and what to focus on if you’re trying to build wealth without blowing up your cash flow. You’ll also hear why negative gearing should never be the whole investment thesis, how “accidental investors” may need to think more intentionally, and why good financial advice often means revisiting the plan as the rules change.

They also break down why popular calculators can spit out wildly different answers, how spouse super contributions, co-contributions and splitting actually work, and the rule details that can catch people trying to do the right thing. Finally, they unpack inheritance planning and why gifting or restructuring property too early can create tax, Centrelink and family complications that are easy to underestimate. If you want calm, plain-English guidance on property, super and estate questions in a messy policy environment, this is a strong episode to queue next.

Correction: This episode has been updated to reflect the correct 2025/26 government co-contribution income thresholds. An earlier version incorrectly referenced the 2026/27 thresholds. The audio has now been amended and all information in the current version is accurate for the 2025/26 financial year.

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you 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 Cameron Gleeson from Betashares for a practical challenge: if you could only use three ETFs for your whole portfolio, which ones would you choose — and why?

Rather than keeping it theoretical, they build two example portfolios from the ground up. The first is for a 34-year-old couple with young kids, a $50,000 portfolio and $1,000 a month to invest. The second is for a 54-year-old couple moving towards retirement, with part of their wealth outside super and a growing need for flexibility, stability and income.

Along the way, Owen and Cameron unpack how to think about diversification, asset allocation, risk tolerance, income versus growth, and why the right ETF mix changes with your stage of life. They also dig into some of the biggest mistakes investors make with ETFs, including chasing past performance, misunderstanding what is actually inside a fund, and focusing on yield without understanding the trade-offs.

The episode covers passive income, covered calls, credit and fixed income, and the role simple portfolio construction can play for Australians who want to invest with more clarity and less complexity. If you want a practical framework for choosing ETFs and building a portfolio that actually fits your goals, this episode is a strong place to start.

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you 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 sits down with website investor and digital business educator Matt Raad to explore a different way Australians can think about building wealth. Instead of focusing only on shares, property or super, Matt explains why websites and online businesses can behave like investable assets when they are bought carefully and run well.

They unpack what makes a digital business attractive, how buyers should think about traffic, earnings and risk, and why due diligence matters before handing over a dollar. The conversation also explores the appeal of semi-passive income, the role of digital assets in a broader wealth plan, and the mindset shift required if you want to treat a website like a real business rather than a quick flip.

If you have ever wondered whether buying an online business could become a side hustle, future income stream or long-term wealth strategy, this episode is a practical place to start. Matt shares the kinds of opportunities people overlook, the mistakes beginners can make, and why patience, process and clear thinking matter just as much online as they do in any other investment market.

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

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