Afleveringen
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In this Australian Investors Podcast episode, Owen Rask sits down with Hayden Smith, CTO at Pearler, for a practical masterclass on what AI actually is, why it matters for investors, and where the real money may be made across the supply chain.
Rather than stopping at ChatGPT headlines, Owen and Hayden break the theme into layers: transformers, data centres, GPUs, memory, networking, cooling, electricity and the raw materials that keep the whole machine running. They explain why AI is not one stock or one app, but a chain of businesses that stretches from software giants like OpenAI, Google and Microsoft through to chip leaders like NVIDIA and the infrastructure companies supporting them.
The conversation also brings the investing lens back to earth. Hayden explains why broad exposure still beats heroic single-stock bets for most people, while Owen walks through ETFs investors are already using to get exposure, including IVV, VGS, NDQ, FANG and AINF. Along the way, they talk about bubbles, bottlenecks, valuation risk and why some of the best opportunities may sit in the less glamorous parts of the stack. They also explore what AI could mean for Australian jobs and why much of the value may flow to US-listed businesses.
If you want to understand how AI works, where the economic value might accrue and how to think about investing without getting swept up in hype, this episode gives you a clear framework to start with.
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
– Whatever comes next for your business, power it with Stripe
EOFY deals to know about - ending June/July 2026
– 1 free trade per month, for 12 months, for new Pearler customers
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this Australian Finance Podcast episode, your host Gemma Mitchell is joined by Anita Challen, Assistant Commissioner at the Australian Taxation Office (ATO), to bust some of the biggest tax myths Australians still believe.
They cover:
– What makes an expense genuinely tax deductible
– Common mistakes people make with work-related claims
– Car expenses and the records you need to keep
– When a side hustle becomes income the ATO cares about
– Rental property deductions and renovation traps
– Why gifts, freebies and endorsements may need to be declared as income
– The latest tax scams and how to protect yourself this tax time
Topics Covered
– What makes something tax deductible?
– Common tax myths around clothing and meals
– Car expense claims: what you can and can't claim
– Record keeping requirements for tax deductions
– Business expenses versus personal expenses
– Side hustles, hobbies and taxable income
– When does a hobby become a business?
– Declaring gifts, freebies and endorsements as income
– Rental property deductions and record keeping
– Repairs versus improvements: what's deductible?
– Renovating investment properties before tenants move in
– Tax scams and staying safe online
– How the ATO communicates with taxpayers
– The biggest scam red flags to watch for
– Where to go for trusted tax information
Resources for this episode
– Tax Time Toolkits
– Download the ATO app
– Verify or report an ATO scam
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
– Whatever comes next for your business, power it with Stripe
EOFY deals to know about - ending June/July 2026
– 1 free trade per month, for 12 months, for new Pearler customers
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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Zijn er afleveringen die ontbreken?
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In this Australian Finance Podcast episode, your host Gemma Mitchell is joined by Phil Thompson from Skye Wealth to answer your biggest insurance questions.
They cover:
– How insurance claims actually work from start to finish
– The difference between Any Occupation and Own Occupation cover
– Whether you can claim Income Protection and Trauma Insurance at the same time
– What exclusions, loadings and occupation ratings really mean – The truth about insurance commissions
– Whether younger Australians should consider cover before automatic super enrolment
– Why group insurance isn't always cheaper than retail cover
– The $1.4 million insurance dispute that highlights the importance of disclosure
Topics Covered
– What happens when you make an insurance claim?
– Understanding the insurance claims process from start to finish
– Any Occupation vs Own Occupation TPD cover
– Can teachers and other professionals rely on Any Occupation cover?
– Income Protection and Trauma Insurance: Can you claim both?
– How insurance commissions work
– Should young Australians get cover before automatic super insurance starts?
– What is an insurance exclusion?
– What is a premium loading?
– Can exclusions and loadings be removed later?
– What is an occupation rating and why does it matter?
– Retail insurance vs group insurance through super
– Why cheaper insurance isn't always better insurance
– The Skye Wealth insurance comparison example
– The $1.4 million insurance dispute and the importance of disclosure
– How much do you really need to tell your insurer?
Episode resources
– Skye Wealth Client Savings Comparison
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
– Whatever comes next for your business, power it with Stripe
EOFY deals to know about - ending June/July 2026
– 1 free trade per month, for 12 months, for new Pearler customers
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this Australian Finance Podcast episode, host Gemma Mitchell is joined by Emma Rosenzweig, Deputy Commissioner of the Payday Super Program at the Australian Taxation Office, to unpack the Payday Super changes. They cover:
– What Payday Super is and why it’s changing
– What employers and employees should be doing
– How super guarantee payments will need to be timed
– What qualifying earnings means
– How Single Touch Payroll (STP), contractors, excess concessional contributions and compliance may be affected
Topics Covered
– What is Payday Super?
– Why Super Guarantee Is Moving to Payday
– What Employers Need to Do and When
– Timing Rules for Super Guarantee Payments
– What Qualifying Earnings Means
– Payments Not Included in Qualifying Earnings
– Single Touch Payroll Changes
– Contractors and Super Under Payday Super
– Member Verification and Rejected Contributions
– ATO Compliance Approach From 1 July 2026
– Voluntary Disclosure for Underpaid Super
– ATO Support Materials and Employer Resources
– Key Actions for Employers and Employees
Episode resources
– Payday Super resources | Australian Taxation Office
– Payday Super for employers | Australian Taxation Office
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
– Whatever comes next for your business, power it with Stripe
EOFY deals to know about - ending June/July 2026
– 1 free trade per month, for 12 months, for new Pearler customers
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this episode of the Australian Finance Podcast, Gemma Mitchell sits down with Christian Hull for the final instalment of the Hot Money Mess series and a candid look at what has actually changed after months of money coaching, better systems and a few big life decisions.
Christian began this series describing himself as chaotic with money. He returns sounding calmer, clearer and much more intentional. The conversation unpacks the practical shifts that made the difference: separating business and personal cash flow, using simple account buckets, planning for bills before they hit and relying on better numbers instead of panic.
They also dive into Christian’s biggest update yet: buying a Sydney property far sooner than expected. Gemma and Christian talk through the values behind that move, what it means to feel calm around debt, and why having a plan matters more than pretending you will never feel fear.
If you have ever felt behind with money, overwhelmed by decisions or unsure how to turn goals into action, this episode is a strong reminder that progress usually starts with clarity, structure and support, not perfection. It is a useful wrap-up on how behaviour change and better systems can create real financial momentum.
Episode resources
– Hot-Mess Money Makeover workbook
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
– Whatever comes next for your business, power it with Stripe
EOFY deals to know about - ending June/July 2026
– 1 free trade per month, for 12 months, for new Pearler customers
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this episode of the Australian Finance Podcast, Gemma Mitchell is joined by Milli Russell for a practical Q&A covering some of the money questions that can feel small in the moment but have a huge impact over time.
They unpack what a 21-year-old should focus on if buying a first home is only 12 months away, including why speaking to a mortgage broker early matters, what lenders may look for, and how to think about cash flow before you apply. From there, they break down the difference between offset accounts and redraw facilities, when flexibility matters, and why the tax treatment of a future investment property can make that choice more important than people realise.
Gemma and Milli also talk through what to do if you think you have received bad financial advice, including when to go back to the adviser, when to escalate a complaint, and what role AFCA and ASIC can play. They also answer a thoughtful question about retirement boredom and explain how returning to work can interact with super, pension accounts and future contributions.
Along the way, they share an update on the Finders Keepers savings challenge and highlight some of the small changes that can create surprisingly meaningful savings momentum.
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
EOFY deals to know about - ending June/July 2026
– 1 free trade per month, for 12 months, for new Pearler customers
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this episode of Australian Finance Podcast, Gemma Mitchell sits down with Jason Leong from PocketSmith to unpack one of the biggest pressure points for modern households: childcare and education costs.
Using PocketSmith's Global Spending Map, they compare what families are spending across Australia, New Zealand and the US and explain why childcare can feel like a second mortgage. They unpack how subsidies shape Australia, why New Zealand costs are rising, and what the data says about the cost-of-living squeeze on parents.
But this is not just about big numbers. Gemma and Jason explore the real trade-offs behind those bills: going back to work, public versus private schooling, and why childcare should be assessed as a whole-of-family money decision rather than a simple net-income test.
They also cover the factors households often miss, including tax, superannuation, career momentum, workplace flexibility and the mental load that can sit behind family planning. For couples thinking about children, they argue that earlier conversations about values, lifestyle and money can prevent stress later.
If you want a practical, data-backed conversation about raising kids and planning ahead, this episode offers a clearer way to think about the real cost of family life in Australia.
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
EOFY deals to know about - ending June/July 2026
– 1 free trade per month, for 12 months, for new Pearler customers
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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This Rask Rewind episode is pulled from the Australian Finance Podcast archives, with plenty of timeless money lessons worth revisiting.
Investment hacks, AI fears, Debt recycling, family trusts & whether you really need VAS – there is a lot packed into this one! In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A and answering your questions on:
- Why some people invest through bucket companies- If you actually need a lot of money to see a financial adviser
- What to do once you’ve fully debt recycled your home loan
- Whether fees in your super are tax-deductible- Is it still worth having a family trust if it’s not saving you tax (yet)?- And how to clean up your financial life if it feels like a mess
Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below.
Resources for this episode
- Sign up for the Ladies Finance Club Online summit
- Epiosde- Family Trusts
- Get Rich Quick episode
- Books we recommended: Emma Edwards Good with Money. Victoria Vivente Know Your Worth. Queenie Tan The Fun Finance Formula
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View Betashares range of funds
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
EOFY deals to know about - ending June/July 2026
– 1 free trade per month, for 12 months, for new Pearler customers
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
Learn more about your ad choices. Visit megaphone.fm/adchoices -
In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell dive into money coaching, financial advice, and the simple 5-step framework anyone can use to take control of their finances. They cover:
- The difference between education, coaching, and financial advice
- Why most people aren’t as “bad with money” as they think
- Real-life insights from working with Christian Hull
- How mindset, behaviour, and systems shape your financial success
Topics covered
- What is the difference between podcasts, money coaching & financial advice?
- Education vs action vs strategy: what actually drives change
- Inside money coaching: what a session really looks like
- Case study: Christian Hull’s money journey
- Why high income doesn’t equal confidence with money
- The role of mindset, behaviour & organisation in financial success
- Common money beliefs: “I’m bad with numbers” & control vs clarity
- Quick wins in coaching: simple changes that make a big impact
- Building systems: accounts, habits & routines that support success
- When to introduce tools like PocketSmith
- Identifying spending problem areas without tracking everything
- Connecting goals, cash flow & long-term planning
Episode resources
– Hot-Mess Money Makeover workbook
– Watch the other episodes
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
– Whatever comes next for your business, power it with Stripe
EOFY deals to know about - ending June/July 2026
– 1 free trade per month, for 12 months, for new Pearler customers
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this Australian Finance Podcast episode, Owen Rask and Gemma Mitchell tackle the questions Australians are asking right now as post-Budget uncertainty ripples through property, super and long-term wealth plans. From negative gearing and borrowing power to super contributions, calculators and inheritance, this is a practical Q&A for people who want clearer next steps.
Owen and Gemma explain why property decisions feel harder when tax rules move, how lenders may react before the broader market does, and what to focus on if you’re trying to build wealth without blowing up your cash flow. You’ll also hear why negative gearing should never be the whole investment thesis, how “accidental investors” may need to think more intentionally, and why good financial advice often means revisiting the plan as the rules change.
They also break down why popular calculators can spit out wildly different answers, how spouse super contributions, co-contributions and splitting actually work, and the rule details that can catch people trying to do the right thing. Finally, they unpack inheritance planning and why gifting or restructuring property too early can create tax, Centrelink and family complications that are easy to underestimate. If you want calm, plain-English guidance on property, super and estate questions in a messy policy environment, this is a strong episode to queue next.
Correction: This episode has been updated to reflect the correct 2025/26 government co-contribution income thresholds. An earlier version incorrectly referenced the 2026/27 thresholds. The audio has now been amended and all information in the current version is accurate for the 2025/26 financial year.
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View Betashares range of funds
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this episode of the Australian Finance Podcast, Owen Rask is joined by Cameron Gleeson from Betashares for a practical challenge: if you could only use three ETFs for your whole portfolio, which ones would you choose — and why?
Rather than keeping it theoretical, they build two example portfolios from the ground up. The first is for a 34-year-old couple with young kids, a $50,000 portfolio and $1,000 a month to invest. The second is for a 54-year-old couple moving towards retirement, with part of their wealth outside super and a growing need for flexibility, stability and income.
Along the way, Owen and Cameron unpack how to think about diversification, asset allocation, risk tolerance, income versus growth, and why the right ETF mix changes with your stage of life. They also dig into some of the biggest mistakes investors make with ETFs, including chasing past performance, misunderstanding what is actually inside a fund, and focusing on yield without understanding the trade-offs.
The episode covers passive income, covered calls, credit and fixed income, and the role simple portfolio construction can play for Australians who want to invest with more clarity and less complexity. If you want a practical framework for choosing ETFs and building a portfolio that actually fits your goals, this episode is a strong place to start.
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View Betashares range of funds
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this episode of the Australian Finance Podcast, Gemma Mitchell sits down with website investor and digital business educator Matt Raad to explore a different way Australians can think about building wealth. Instead of focusing only on shares, property or super, Matt explains why websites and online businesses can behave like investable assets when they are bought carefully and run well.
They unpack what makes a digital business attractive, how buyers should think about traffic, earnings and risk, and why due diligence matters before handing over a dollar. The conversation also explores the appeal of semi-passive income, the role of digital assets in a broader wealth plan, and the mindset shift required if you want to treat a website like a real business rather than a quick flip.
If you have ever wondered whether buying an online business could become a side hustle, future income stream or long-term wealth strategy, this episode is a practical place to start. Matt shares the kinds of opportunities people overlook, the mistakes beginners can make, and why patience, process and clear thinking matter just as much online as they do in any other investment market.
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View Betashares range of funds
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
Learn more about your ad choices. Visit megaphone.fm/adchoices -
In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell answer listener questions and give an update on the Finders Keepers $10,000 Challenge.
They cover:
– Managing money fairly in blended families
– Whether weekly mortgage repayments actually save interest
– How offset accounts change the equation
– When it makes sense to consolidate super funds
– The differences between AustralianSuper and REST
– What a condition of release really means for super access
– Whether a statutory declaration is enough to access your super legally
If you like this Australian Finance Podcast episode, you'll love our series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts!
Follow us on Instagram and TikTok for more investing insights.
Topics covered
– Finders Keepers $10,000 Challenge update
– Managing money in blended families
– What’s “fair” when children aren’t biologically shared
– Shared expenses vs separate expenses in relationships
– Weekly vs monthly mortgage repayments explained
– How interest is calculated on home loans
– Offset accounts and repayment frequency
– Should you consolidate old super funds?
– Comparing AustralianSuper and REST
– Fees, insurance & investment options in super
– What is a condition of release?
– Can you access super with a statutory declaration?
– How super funds verify eligibility for release
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View Betashares range of funds
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this Australian Finance Podcast episode, Owen Rask is joined by Navarre Trousselot, founder of Navexa, to unpack why the proposed 2026 Federal Budget tax changes could make ETF record-keeping and capital gains reporting much messier for everyday investors. Instead of glossing over the hard bits, they walk through how capital gains tax works in Australia, why parcel selection matters, and why ATO pre-fill can give ETF investors a false sense of security.
Navarre explains the trap most ETF investors miss: annual cost base adjustments. If you have been dollar-cost averaging into ETFs for years, every member statement can change the cost base of earlier parcels, which means your future CGT calculation is probably more complicated than you think. Owen and Navarre also explore how tools like Navexa can model rebalancing decisions, compare FIFO with lower-gain methods, and estimate the tax impact before you sell.
They also discuss what the mooted post-July 2027 rules could mean in practice, why better records may become non-negotiable, and how investors can avoid handing extra money to the ATO just because their admin is a mess. If you own ETFs, buy shares regularly, or expect to rebalance in the years ahead, this is a practical episode worth hearing before tax time gets even trickier.
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View Betashares range of funds
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this episode of The Australian Finance Podcast, your hosts Owen Rask and Gemma Mitchell are joined by money systems expert Andrew Fisher for Episode 3 of the Christian Hull Hot Money Mess series.
After unpacking Christian’s money story and coaching framework, this episode dives into the power of data and why understanding your numbers can completely change how you feel about money.
Because whether you feel like a total money mess or think you’ve got things mostly sorted, confidence with money starts by understanding what’s actually happening behind the scenes.
They cover:
– Why data helps turn money goals into momentum
– Christian Hull’s $2 million tiny home goal and how to track it
– Why spreadsheets aren’t for everyone (and what works instead)
– The power of monthly money check-ins
– Why net worth matters more than your bank balance
– How seeing the full picture changes behaviour
– Using financial dashboards to stay motivated and on track
– How to model big life decisions before they happen
– Why “can I afford it?” is the wrong question to ask
– Finding hidden spending leaks without tracking every dollar forever
– How better spending categories can reveal surprising habits
– The simple systems that make managing money easier
Download your workbook here
If you like this Australian Finance Podcast episode on money systems, spending habits and building financial confidence, you’ll love the full Hot Money Mess series. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts!
Follow us on Instagram and TikTok for more investing insights.
Topics Covered
– Recap: Christian Hull’s Hot Money Mess journey so far
– Meet Andrew Fisher: money systems, behaviour and financial data
– Christian’s $2 million tiny home goal and building a money dashboard around real outcomes
– Why visual tracking makes big goals feel real and achievable
– Monthly money check-ins: the habit that matters most
– Why motivation disappears when progress feels invisible
– Net worth tracking: why it matters (even if you don’t feel wealthy)
– Seeing the full financial picture, not just fragments
– How dashboards can shift behaviour and reduce money stress
– Modelling major life decisions before they happen
– Why loan approval doesn’t always equal affordability
– Forecasting cash flow and stress-testing decisions
– Spending leaks: the hidden categories quietly costing you money
– Why categories tell stories about your habits
– How better budgeting categories lead to better decisions
– Practical ways to track problem spending without overwhelm
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View Betashares range of funds
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell answer your end-of-financial-year tax questions and put Owen to the test with an ETF pop quiz challenge.
They cover:
– How tax works when you’re self-employed
– When and how much tax sole traders need to pay
– The difference between tax deductions and tax offsets
– How spouse super contributions can reduce your tax
– Why some property investors receive huge tax refunds
– Whether PAYG withholding variations can improve your cash flow
– Owen’s ETF guessing challenge using minimal clues
Topics Covered
– EOFY tax prep for Australians
– Tax basics for self-employed people
– How taxable income is calculated
– When sole traders pay tax
– PAYG instalments explained
– Tax deductions vs tax offsets
– Common misconceptions about deductions
– Spouse contributions to superannuation
– Super contribution tax offsets
– Negative gearing and tax refunds
– PAYG withholding variations for investors
– Managing cash flow throughout the year
– ETF pop quiz challenge with Owen
– Guessing ETFs from minimal clues
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View Betashares range of funds
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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AI is one of the biggest investing themes in markets right now, but the smarter question is not just whether OpenAI, Anthropic or Nvidia win. It is who else makes money when AI demand explodes.
In this Australian Finance Podcast episode, Owen Rask is joined by Cameron Gleeson from Betashares to unpack the AI supply chain from hyperscalers, semiconductors and cloud infrastructure through to copper, energy, uranium and the broader commodities complex needed to build and power data centres.
They discuss whether AI already looks like a bubble, who is making the money across the hardware, cloud and application layers, and why listed-market investors may need to think beyond the obvious names. The conversation also explores ETFs such as NDQ, ASIA, XMET, FUEL, QAU and MNRS, plus the case for a barbell portfolio that blends technology exposure with hard assets.
If you want a practical, non-hype guide to investing in AI beyond the chatbot headlines, this episode is a strong place to start.
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– Join Pearler using code “RASK” for $15 of Pearler Credit
– Get 50% off your first two months using PocketSmith
– View Betashares range of funds
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this Australian Finance Podcast episode, Owen Rask is joined by Hugh Lam from Betashares to build a six-ETF watchlist for investors chasing passive income without sleepwalking into yield traps. Rather than treating income as a race to the highest percentage, they step through where ETF income actually comes from, why total return still matters, and how to think about blending shares, bonds, credit and cash inside one portfolio.
Hugh brings three Betashares ideas to the table: ROYL for global royalties, INCM for global dividend-paying companies, and ECRD for enhanced credit income. Owen counters with HYLD for Australian dividend and momentum exposure, GGOV for long-duration US Treasuries, and MMKT for money-market cash exposure. Along the way, they explain why a 7% yield is not automatically better than 4%, how rebalances and capital gains can distort payout figures, and why investors need to look under the hood before buying any income ETF.
The conversation also unpacks the trade-offs that matter most in 2026: dividend traps, duration risk, leverage inside credit products, and the role cash-like ETFs can play when markets get jumpy. If you want a practical framework for researching passive-income ETFs, comparing yield with quality, and building a more resilient portfolio, this episode is a strong place to start.
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View Betashares range of funds
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Get 50% off your first two months using PocketSmith
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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This episode was originally featured on The Australian Investors Podcast.
In this episode, Owen Rask sits down with Senator Andrew Bragg for a wide-ranging conversation about the Federal Budget, housing supply, tax, productivity and why so many Australians feel the country has become harder to get ahead in. Rather than getting stuck in party talking points, they focus on the practical questions investors, business owners and workers are asking right now: what happens when policy makes it harder to build homes, why does productivity matter so much for living standards, and how do taxes, regulation and incentives shape whether Australia creates more wealth or simply fights over what already exists?
Andrew explains why he believes cutting housing supply is one of the worst policy choices Australia can make, how rising rents, higher rates and broader cost-of-living pressure are changing the national mood, and why small business, private investment and simpler rules still matter if Australia wants to stay competitive. The conversation also touches on super, the role of large institutions, and why clearer economic thinking matters more when confidence is low.
Owen pushes on the bigger picture too: whether Australia has lost ambition, why the policy debate feels less honest than it should, and what needs to change if Australians want better opportunities over the next decade. If you want a plain-English discussion about housing, tax, productivity, competitiveness and the long-run direction of Australia, this is a timely episode to queue next.
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– Join Pearler using code “RASK” for $15 of Pearler Credit
– Get 50% off your first two months using PocketSmith
– View Betashares range of funds
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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How rich are you really, and how do you stack up against other Australians? In this episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack early results from Rask’s free Wealth Checker after around 3,000 community members benchmarked their finances.
Together, they explore what the data says about net worth, debt, super, property, shares and crypto, and why context matters more than comparison alone. Owen and Gemma break down some of the standout findings so far, including the age groups with the highest crypto balances, when men and women typically hit millionaire and multi-millionaire status, and how wealth gaps widen over time.
They also look at why property still dominates household wealth, what the data suggests about debt and business ownership, and why benchmarking can be reassuring when you feel behind. Instead of doom-scrolling everyone else’s wins, this conversation shows how tracking your own net worth can help you spot progress, reset goals and focus on the decisions that actually move the needle.
If you want a practical, data-led look at what wealth really looks like in Australia, plus a simple way to check your own numbers, this is a great episode to queue up.
Episode resources
– Try the Rask Wealth Checker
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– Join Pearler using code “RASK” for $15 of Pearler Credit
– Get 50% off your first two months using PocketSmith
– View Betashares range of funds
Rask resources
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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