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