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 inc...

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 episo...

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 mind...

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...

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”

As...

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 love...

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 ...

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 Au...

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: ...

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

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...

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 sel...

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...

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...

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...

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 th...

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 retireme...

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)

Duration: 00:26:16

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 inve...

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 rebuil...

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, liquidit...

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 Podc...

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 - Whet...

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”

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

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...

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 w...

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...

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...

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 th...

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 ecosys...

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 Ca...

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 Sche...

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...

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...

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 t...

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...

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...

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 cr...

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 ac...

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...

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...

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!)

Resour...

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 experien...

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 fo...

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 insight...

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 co...

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 investi...

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...

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...

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 P...

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...

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...

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 Insi...

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...

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...

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/42U...

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 m...

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

...

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 s...

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...

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 s...

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...

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 a...

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...

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 Austra...

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

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 imp...

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 doubl...

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...

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...

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...

 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 m...

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.

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 su...

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 b...

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...

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 wee...

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...

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...

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...

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...

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 Ap...

 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 sh...

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...

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 thi...

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...

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 prepari...

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 w...

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 wher...

 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 o...

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/cour...

 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...

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...

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 d...

 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 where...

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 actua...

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

Th...

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 we...

In this Australian Finance Podcast episode, your hosts Owen Rask and Phil from Skye Wealth sit down to talk all things life insurance. They explore:

If you like this Australian Finance Podcast episode on reviewing and rebuilding life insurance, don't forget to subs...