Australian Finance Podcast
- Épisodes
- 815
- Parution
- plusieurs fois par semaine
- Dernier épisode
- 12 Nov 2026
À propos du podcast
The Australian Finance Podcast is your guide to sorting out your finances, one episode at a time. Owen Rask, Chief Investment Officer, & Gemma Mitchell, Senior Financial Adviser, bring you actionable strategies and knowledge that you can put into practice today. Save money, invest better and live life on your terms. New to the show? We recommend starting with our 2026 Summer Series: a practical 10-part podcast series designed to help you build confidence with money, investing, and long-term wealth. More advanced listeners might enjoy our other show, The Australian Investors Podcast. Find our show notes here. Disclaimer The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs. Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision. Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk. The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Épisodes 815
Offset or savings account? Owen and Gemma answer your money questions
Should your pay go into an offset account or a savings account? On the Australian Finance Podcast, Owen Rask and Gemma Mitchell answer listener questions about money choices that are easy to put off and …
Notes de l’épisode
Should your pay go into an offset account or a savings account? On the Australian Finance Podcast, Owen Rask and Gemma Mitchell answer listener questions about money choices that are easy to put off and important to understand.
If you are juggling a mortgage, investments and a growing list of money questions, this episode offers a place to start. The discussion is general information, not personal financial or tax advice.
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Debt recycling explained: the loan split, tax traps and real risks
Can you turn part of your home loan into investment debt without increasing the total you owe? On the Australian Finance Podcast, Owen Rask and financial adviser James Phelan unpack debt recycling in a LIVE …
Notes de l’épisode
Can you turn part of your home loan into investment debt without increasing the total you owe? On the Australian Finance Podcast, Owen Rask and financial adviser James Phelan unpack debt recycling in a LIVE Q&A, from the basic loan split to the mistakes that can unravel the strategy.
This is a practical starting point, not a personal recommendation or a substitute for tailored financial and tax advice. Listen for the questions to take to your adviser, accountant and mortgage broker before making a move.
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Can you still retire early? Hayden Smith answers seven hard money questions
Can you still retire early in Australia, invest simply and enjoy your money today? Owen Rask puts seven hard money questions to Hayden Smith, co-founder of Pearler, on the Australian Finance Podcast, and sneaks …
Notes de l’épisode
Can you still retire early in Australia, invest simply and enjoy your money today? Owen Rask puts seven hard money questions to Hayden Smith, co-founder of Pearler, on the Australian Finance Podcast, and sneaks in a bonus question about building a business.
It is a frank, accessible conversation about FIRE, saving, ETFs, housing and the money decisions that rarely have a neat one-size-fits-all answer.
Episode resources
– Speak with the Rask Advice team
– Ask a question (select the Investors podcast)
Show partner resources
– ETF investor? Go beyond ordinary with Global X: View all funds
– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
– Whatever comes next for your business, power it with Stripe
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
Hayden Smith is a co-founder of Pearler Investments Pty Ltd, Corporate Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Nothing in this episode takes into account your objectives, financial situation or needs, and none of it is a recommendation to buy or sell any product. Consider whether it is appropriate for you and read the relevant PDS and Target Market Determination before acting. Pearler earns brokerage when people invest through its platform. The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk. The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Pay off your mortgage or invest? How to decide when money feels tight
Should you put spare cash into your mortgage or keep investing? On the Australian Finance Podcast, Owen Rask and Gemma Mitchell explore that decision when repayments rise and your budget feels tighter. They …
Notes de l’épisode
Should you put spare cash into your mortgage or keep investing? On the Australian Finance Podcast, Owen Rask and Gemma Mitchell explore that decision when repayments rise and your budget feels tighter.
They break down why there is no single answer that works for everyone—and why the best-looking calculation may not be the best fit for your life.
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Buy now or wait? Chris Bates on the property choices that matter
Should you buy a home while Australian property prices soften, or wait for a clearer signal? On the Australian Finance Podcast, Owen Rask talks with Chris Bates of Alcove about the decisions facing first-home …
Notes de l’épisode
Should you buy a home while Australian property prices soften, or wait for a clearer signal? On the Australian Finance Podcast, Owen Rask talks with Chris Bates of Alcove about the decisions facing first-home buyers and upgraders. Their starting point: there is no single Australian housing market, and a cheaper asking price does not automatically make a property a better buy.
Chris explains why Sydney and Melbourne may move differently from Brisbane, Adelaide and Perth, and why investor-heavy apartments or regional hotspots deserve a closer look. He and Owen discuss the difference between broad market headlines and the street, building and home you actually want to own. Building costs, housing supply and borrowing capacity all complicate the idea that falling prices instantly solve affordability.
If you are upgrading, they explore why the price gap between your current home and the next one may matter more than either price on its own. For first-home buyers, Chris suggests starting early: understand your borrowing options, gather documents and bank statements, and work out which property compromises you can live with before a desirable home appears. They also explain why a well-located, broadly appealing home may still draw competition in a quieter market.
This conversation is not a call to buy immediately or wait indefinitely. It is a practical way to think through your budget, local supply, the quality of a property and the choices you can make before you are under pressure to act.
~~ Disclaimer ~~
This podcast contains general financial information only, issued by The Rask Group Pty Ltd, and shouldn't be relied upon. This podcast shouldn't be relied upon because it does not consider your needs, goals or objectives. Speak to your financial adviser first. Read Rask's FSG at www.rask.com.au/fsg to learn more about us. Always read the PDS and TMD before acquiring any financial product mentioned in this video. Past performance is not always indicative of future performance.
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Your money by age: the moves that matter from your 20s to your 70s
Different decades bring different money decisions—but the best move is rarely copying someone else’s timeline. In this episode of the Australian Finance Podcast, Owen Rask and Gemma Mitchell go decade by decade …
Notes de l’épisode
Different decades bring different money decisions—but the best move is rarely copying someone else’s timeline.
In this episode of the Australian Finance Podcast, Owen Rask and Gemma Mitchell go decade by decade from your 20s to your 70s, sharing what to focus on and the common mistake to avoid at every stage.
In your 20s, they cover good money habits, the First Home Super Saver Scheme and resisting lifestyle creep. Your 30s are about working as a team, using insurance and debt deliberately, and borrowing for the life you expect—not only the one you have today.
For your 40s, the conversation turns to building a real financial plan, debt recycling, upgrading the family home and avoiding unsuitable SMSFs or cheap investment properties. In your 50s, the focus shifts to maximising super while still creating wealth outside it, protecting flexibility and refusing to panic as retirement gets closer.
Owen and Gemma then unpack pension phase, turning assets into retirement income and “trying before you buy” major lifestyle changes in your 60s. By your 70s, priorities may move towards simplifying structures, rebalancing wealth, paying for support and discussing legacy with family.
This is not a rigid checklist tied to birthdays. It is a practical framework for matching your money to the life you want—whether you are ahead, behind or on a completely different path.
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
ETF winners, IVV for 70 years and catching up in your 40s
An ETF up 200% can feel like a win and a problem. Do you keep riding the momentum, sell part of it, or move the gain back into your core portfolio? In this episode of the Australian Finance Podcast, Owen Rask …
Notes de l’épisode
An ETF up 200% can feel like a win and a problem. Do you keep riding the momentum, sell part of it, or move the gain back into your core portfolio?
In this episode of the Australian Finance Podcast, Owen Rask and Glen James answer listener questions across ETFs, property, tax and building wealth at different stages of life.
They begin with high-performing satellite ETFs, including Betashares ASIA and Global X SEMI, and explain why a written portfolio rule can matter more than guessing whether AI is in a bubble. Owen and Glen also examine whether the iShares S&P 500 ETF (ASX: IVV) could be held for 70 years, why index funds evolve with the market and why one asset class may still be too concentrated.
For anyone who feels late to investing, the conversation turns to catching up in your 40s without taking reckless risks. The practical starting points include a spending plan, emergency fund, career review, super contributions, property and investing outside super.
They also discuss whether recent tax changes should alter the case for a regional investment property, what the 2027 capital gains tax reset could mean for renovations, and why investment fundamentals should beat political noise.
Finally, Owen and Glen tackle the tension between investing for the future and enjoying life now. Their answer is not “spend everything” or “sacrifice forever”, but to set guardrails, work hard for a season and make sure your money supports what actually brings you joy.
Episode resources
– Visualizing 200 Years of U.S. Stock Market Sectors
– Charted: S&P 500 Market Concentration Over 145 Years
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
SMSFs explained: when control is worth the cost and responsibility
Should an SMSF be your next super move—or is a simpler fund already capable of doing what you need? In this Australian Finance Podcast episode, Gemma Mitchell sits down with Rask adviser Chamil Peiris to unpack …
Notes de l’épisode
Should an SMSF be your next super move—or is a simpler fund already capable of doing what you need?
In this Australian Finance Podcast episode, Gemma Mitchell sits down with Rask adviser Chamil Peiris to unpack self-managed super funds without the sales pitch. They explain what “self-managed” really means, from investment control to the trustee, compliance, record-keeping and audit obligations that remain yours even when accountants and advisers help.
You’ll learn why investors consider SMSFs for direct property, commercial property, crypto, physical assets or broader investment choice; where retail and member-directed options may solve the same problem with less work; and why greater control does not automatically produce a better outcome.
Gemma and Chamil also examine the costs of establishing and running a fund, the risks of concentrating personal wealth and super in property, pension-phase liquidity issues, family disputes and estate planning. They cover common property mistakes, the dangers of cookie-cutter advice and why an exit plan matters before a fund is established.
If you already have an SMSF, this conversation will help you test whether its original purpose still holds. If you are considering one, start with the question Chamil asks every prospective trustee: what can an SMSF do for your goals that every other option cannot?
Listen for a practical three-part framework: begin with the goal, understand the workload and build an independent professional support team.
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Gemma’s $24,000 Japan trip - 7 ways to save on a holiday
In this Q&A livestream of the Australian Finance Podcast, Gemma takes us through her $24,000 trip to Japan. She shares what was good about it and what could have been better, along with the best part of the …
Notes de l’épisode
In this Q&A livestream of the Australian Finance Podcast, Gemma takes us through her $24,000 trip to Japan. She shares what was good about it and what could have been better, along with the best part of the whole trip. Owen and Gemma then share their best tips for saving money on a holiday. Owen covers Virgin reward seats and the Wise card, plus how to get more out of Booking.com with Genius discounts and Raiz. They also talk about when it's worth checking Airbnb instead, and whether chasing points actually makes sense. Gemma explains why travel insurance is a must and how a cashback app saved her $3,000. She also shares how she lines up deals and uses AI to plan her itinerary so she's not backtracking. Finally, they run through the travel mistakes to avoid. These include not having the right card, getting caught out on cash vs card and booking during local holidays. They also explain why credit card points can end up feeling like Monopoly money.
Episode resources
– Japan TikToks @iampaulconway
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
The three pillars wealthy Australians use to build and protect wealth
What do wealthy Australians consistently get right — and which parts of their playbook can ordinary households use? In this episode of the Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack three …
Notes de l’épisode
What do wealthy Australians consistently get right — and which parts of their playbook can ordinary households use?
In this episode of the Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack three pillars that repeatedly show up in financially secure households: a right-sized home, investments outside superannuation and an actively managed super balance.
First, they explain why home ownership can provide security, tax advantages and flexibility later in life — without requiring a grand or expensive property. Second, they explore how shares, ETFs and investment property outside super can create choice, fund an earlier retirement and bridge the years before super becomes accessible. Third, they show why wealthy people treat super as real money and use its three “superpowers”: lower tax, discipline and compounding.
Owen and Gemma also examine data from Rask’s Wealth Checker. Property represents 50.4% of assets entered by the community and super another 21%, meaning more than 70% is tied up in two places that may not be immediately accessible. They clarify the difference between retiring, accessing super and qualifying for the Age Pension, then explain why insurance can protect the income that makes every wealth-building plan possible.
By the end, you’ll have a practical framework for reviewing your own position: which pillar is strongest, which needs attention and what should you prioritise next — property, investments outside super or superannuation?
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Recession-proof your money: a practical plan for Australian households
Could Australia slip into recession—and what would that mean for your money? Rather than treating every alarming headline as a prediction, this episode focuses on the practical moves you can make now. In the …
Notes de l’épisode
Could Australia slip into recession—and what would that mean for your money? Rather than treating every alarming headline as a prediction, this episode focuses on the practical moves you can make now.
In the Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack what a recession is, why higher interest rates and the cost of living are weighing on households, and why the share market does not always move in step with the economy. They separate the economic numbers you cannot control from the everyday decisions you can.
The starting point is a savings buffer. Owen explains why even a modest emergency fund can matter, while Gemma suggests testing whether your current buffer would really cover an income shock—and agreeing on what counts as an emergency before one happens.
They also discuss a bare-bones budget alongside your normal one, trimming optional spending early, checking that mortgage offset accounts are actually offsetting interest, and reviewing insurance and super without making a fear-driven switch. For homeowners, they explore when refinancing or restructuring a loan might create breathing room—and why access to extra credit demands discipline.
Finally, Owen and Gemma talk about staying invested within your means, reviewing your skills and income options, and getting on the same page with your partner. The aim is not to forecast the next recession perfectly. It is to be more prepared for a difficult season while continuing to build a life that matters to you.
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Australians spend $1,000 a month eating out — what the data reveals
What does a night out really cost Australians — and what are households giving up to keep dining part of the budget? In this episode of the Australian Finance Podcast, Gemma Mitchell is joined by Jason Leong …
Notes de l’épisode
What does a night out really cost Australians — and what are households giving up to keep dining part of the budget?
In this episode of the Australian Finance Podcast, Gemma Mitchell is joined by Jason Leong, CEO and co-founder of PocketSmith, for part three of their Global Spending Map series. They use anonymised data from PocketSmith users across 190 countries to compare how Australians, New Zealanders and Americans are spending on restaurants, takeaway, coffee, alcohol, subscriptions and entertainment.
The numbers are confronting. PocketSmith users in Australia spend about $1,000 a month across eating-out categories, while typical monthly restaurant and dining spend rose from $255 in 2021 to $400 in 2025 — a 57% increase. Jason explains why menu inflation accounts for only part of the rise, how interest rates have created a split between younger mortgage holders and older savers, and why Australian spending has moved differently from New Zealand and the US.
Gemma and Jason also explore what households are cutting to protect the things they value, including subscriptions, fashion and gambling. They unpack the rapid growth of delivery apps, the hidden premium on convenience and the difference between intentional spending and spending by default.
You’ll leave with practical ways to regain visibility without overhauling your entire budget: track one category at a time, set simple spending rules and decide which conveniences genuinely buy back time. Visit PocketSmith’s Global Spending Map to compare your habits with households around the world.
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
If you had $20,000, build your ETF portfolio like this
How would you invest $20,000 over 10 years without ending up with a jumble of overlapping ETFs? In this episode of the Australian Finance Podcast, Owen Rask sits down with Cameron McCormack, Senior Portfolio …
Notes de l’épisode
How would you invest $20,000 over 10 years without ending up with a jumble of overlapping ETFs? In this episode of the Australian Finance Podcast, Owen Rask sits down with Cameron McCormack, Senior Portfolio Manager at VanEck, to build a simple core-and-satellite portfolio from scratch with $20,000. Owen also throws Cameron a curveball, in the way of an extra $3,000 for a satellite choice. They unpack ETF overlap, home-country bias, concentration in the ASX 200, the difference between core and satellite holdings, and why every investment should have a clear role in the portfolio. If you want a practical framework for combining Australian shares, international quality, emerging markets and gold, this episode gives you a clear place to start your research.
Episode resources
– VanEck Australian Equal Weight ETF (ASX: MVW)
– VanEck MSCI International Quality ETF (ASX: QUAL)
– VanEck MSCI Multifactor Emerging Markets Equity ETF (ASX: EMKT)
– VanEck Gold Bullion ETF (ASX: NUGG)
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Young people and property - is it possible?
Can young Australians still buy a home, or is property ownership slipping further out of reach? In this Australian Finance Podcast livestream, Owen and Milli unpack the challenge of buying property in your 20s …
Notes de l’épisode
Can young Australians still buy a home, or is property ownership slipping further out of reach? In this Australian Finance Podcast livestream, Owen and Milli unpack the challenge of buying property in your 20s and 30s, while still building wealth through shares and super. They cover practical ways to save a deposit, including high-interest savings accounts, investing and the First Home Super Saver Scheme. You’ll learn how FHSS contributions, withdrawals and deemed earnings work, plus the risks of investing money you may need for a home purchase. The discussion also explores how parents and grandparents can help with a deposit through gifts, loans, co-borrowing or co-ownership, and why the legal structure matters. Owen and Milli then turn to debt recycling: what it is, why more Australians are asking about it, and how interest rates, investment returns and tax treatment can affect the strategy. Plus, they tackle listener questions on family loans and asset protection, the changing capital gains tax landscape, HSBC’s retreat from Australian retail banking, and the difficulty retirees can face when applying for a new credit card. Stay until the end for “What am I?”
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
How to raise rich kids without raising entitled kids
What does it really mean to raise “rich” kids — and how can parents teach healthy money habits without passing on fear, shame or entitlement? In this Australian Finance Podcast episode, Gemma Mitchell sits down …
Notes de l’épisode
What does it really mean to raise “rich” kids — and how can parents teach healthy money habits without passing on fear, shame or entitlement?
In this Australian Finance Podcast episode, Gemma Mitchell sits down with finance journalist and author Sarah Megginson to unpack the ideas behind How to Raise Rich Kids. Sarah reframes wealth as choice, freedom and opportunity, then explains how parents’ own money stories quietly shape what children learn.
They cover practical, age-appropriate money lessons from early childhood through to young adulthood, including pocket money, chores, saving for a first car, family money meetings and involving children in real household decisions. Sarah shares how her family uses a simple points system for chores, why “fair” does not always mean “equal”, and how letting children make low-stakes spending mistakes can build confidence.
You’ll also hear how couples can discuss money without blame, why both partners should understand the family finances, and how to start helping children even when the budget is tight. Small, consistent actions — even saving a dollar or two a week — can build habits and momentum.
Sarah’s memorable rule, “speed to your needs and wait for your wants”, offers a simple way to teach delayed gratification without making money feel scary.
If you want to raise capable, confident and money-smart kids — while improving your own relationship with money — this episode is full of practical ideas you can use today.
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
What happens to Super when you retire?
What actually happens to your super when you retire? Try our free wealth checker tool Get financial advice It sounds like there should be a giant red button that says “retirement mode” — but, as usual with …
Notes de l’épisode
What actually happens to your super when you retire?
Try our free wealth checker tool
It sounds like there should be a giant red button that says “retirement mode” — but, as usual with super, it’s a little more paperwork-y than that.
In this episode of The Australian Finance Podcast, also shared on The Australian Retirement Podcast, Owen is joined by Tahli Cavagnino, Senior Financial Adviser and co-head of financial advice at Rask Advice, to unpack what happens to your super as you move towards retirement.
General advice warning: This episode contains general information and general advice only. Please consider your own circumstances and seek professional advice before making financial decisions.
We cover when you can generally access your super, what “pension mode” actually means, how super can be taxed before and after retirement, and some of the big trade-offs people face as they approach retirement.
Plus, we answer listener questions on indexed versus active high growth super options, whether people typically change funds when moving into pension phase, and whether you still need an emergency fund once you can access your super.
In this episode
– Owen’s news of the week: why you shouldn’t rush changing super funds
– The importance of reading the PDS/TMD and checking the AFSL before acting
– When Australians can generally access their super
– What it means to turn your super into “pension mode”
– Is it a button, a form, a phone call — or all of the above?
– A simple overview of tax on super before and after retirement
– Why defined benefit funds can be different
– Minimum pension drawdown rates explained
– Do most people withdraw only the minimum from super?
– The retirement mortgage question: super versus debt
– Super versus investing outside super if you want to retire before 60
– Indexed high growth versus active high growth super options
– Whether different super funds suit different life stages
– Whether you still need an emergency fund once super is accessible
Listener questions
– Hot Takes: “For a long-term investor choosing a high growth option inside super, what should they think about when comparing indexed high growth and active high growth managed by the super fund?”
– Barren Jo:
“You’ve mentioned that different style super funds may suit people at different stages. Can you explain this more? Do people typically change super funds when switching to pension mode, and if so, why?”
– WannabeWhale:
“Is an emergency fund necessary when you have access to your super?”
Episode resources
– Free report: 5 ways business owners can get back 5 hours a week using AI
– Join the free Rask newsletter and platform
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Want to keep learning? If you’re trying to get your money sorted — without needing a finance degree and three coffees — join the free Rask newsletter and platform You’ll get practical money lessons, investing explainers, retirement resources and tools to help you make better financial decisions over time.
Show partner resources
– View VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
How AI agents are changing business - Ep 2: The Business Stack of the Future
This episode was originally featured on the Australian Investors Podcast. In this episode of the Australian Finance Podcast, Owen Rask speaks with Jon Stahl from Salesforce about how AI agents are moving beyond …
Notes de l’épisode
This episode was originally featured on the Australian Investors Podcast.
In this episode of the Australian Finance Podcast, Owen Rask speaks with Jon Stahl from Salesforce about how AI agents are moving beyond answering questions and starting to complete real work inside businesses.
Jon explains the difference between a chatbot and an agent, including how agents can reason through multistep tasks, call tools and APIs, update business systems and retain useful context. He shares where the technology is already creating value across customer service, software development, research, order management and commerce.
The conversation also tackles the controls businesses need before giving an AI agent meaningful autonomy. Jon compares an agent to the “world’s smartest but least experienced intern” and explains why permissions, clear identities, audit logs, hard-coded guardrails and human escalation remain essential.
Owen and Jon then explore what must happen before agents can safely buy products or make payments on our behalf. That includes verified authority, spending limits, tokenised payment credentials, merchant recognition and common standards across the payments ecosystem — challenges that cannot be solved by a smarter language model alone.
Finally, Jon separates the hype from the practical opportunity. Fully autonomous shopping is still largely experimental, while brand, trust and storefronts remain important. He also explains why trusted business data can dramatically improve an agent’s usefulness, and how businesses may soon use agents to resolve delayed orders, enrich product catalogues, support sales teams and help employees build their own tools.
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
This podcast episode was sponsored by Stripe.
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Why the best companies are scaling faster than ever - Ep 1: The Business Stack of the Future
In this Australian Finance Podcast episode, Owen Rask explores why the business stack of the future may be changing investing faster than most markets really appreciate today. Starting with Stripe’s 2025 annual …
Notes de l’épisode
In this Australian Finance Podcast episode, Owen Rask explores why the business stack of the future may be changing investing faster than most markets really appreciate today.
Starting with Stripe’s 2025 annual letter, Owen breaks down four business clocks now speeding up at once: how fast companies can build, distribute, monetise and scale. He explains why APIs, cloud software, AI tools and global payments infrastructure are compressing the path from idea to paying customer.
This is not just an AI hype story. Owen looks at what faster growth means for investors, including why power-law winners may pull away harder, why weaker competitors can still launch more easily, and why speed is not the same thing as durability. Using Stripe, Anthropic and WiseTech, he shows how stronger products can create reinforcing flywheels of usage, revenue, talent and trust.
He finishes with a practical framework for analysing fast-growing businesses: what has actually become faster, what reinforces the lead, whether the economics improve with scale, whether the infrastructure itself is an advantage, and what headline number you are really looking at. If you want a clearer lens on AI, software infrastructure and modern business economics, this episode is a smart 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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
This podcast episode was sponsored by Stripe.
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
AI bubble or real boom? What investors should watch
Is AI in a bubble, or are today’s soaring share prices backed by real business growth? In this episode of the Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack what an investment bubble actually …
Notes de l’épisode
Is AI in a bubble, or are today’s soaring share prices backed by real business growth?
In this episode of the Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack what an investment bubble actually is and why price, profit and valuation are different things. Using examples from tulip mania, Beanie Babies, NFTs, pandemic-era puppy prices and Pokémon cards, they explain how scarcity, hype and FOMO can push prices far beyond fundamentals.
The conversation then turns to AI. Owen walks through the extraordinary spending behind data centres and chips, why NVIDIA has captured so much of the industry’s revenue, and how circular financing between chipmakers and customers can complicate the picture. They also revisit Microsoft after the dot-com crash, when investors waited about 15 years to recover the previous share-price peak.
So what happens if the AI bubble bursts? Owen and Gemma explain why the technology is unlikely to disappear, but prices, access and business models could change sharply. They also discuss why selling everything and waiting in cash creates its own risks, especially when the market’s best and worst days often arrive close together.
If elevated prices are making you nervous, this episode offers a beginner-friendly framework for thinking about bubbles, diversification and long-term investing without trying to predict the next crash.
Episode resources
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
- Morgan Housel’s investing talk
- PriceCharting: Charizard [1st Edition] #4
Show partner resources
– View VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Sounds like good money advice... But is it?
Are you a wage slave? Do you WORK for money? (yawn) Do you also think Crypto is an investment? Is your investment strategy "buy low, sell high"? In this live weekly Q&A episode of The Australian Finance …
Notes de l’épisode
Are you a wage slave?
Do you WORK for money? (yawn)
Do you also think Crypto is an investment?
Is your investment strategy "buy low, sell high"? In this live weekly Q&A episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell break down your questions and pull apart 9 money and investing myths people tell you all the time. From "buy low, sell high" and "cash is king" to "rent money is dead money" and "you should always pay off your mortgage before investing", we'll break down what these sayings actually mean, where they fall short and what you should be thinking about instead.
What we cover in today's money episode:
- Money Advice We Hear All the Time: The common financial sayings and rules that sound sensible at first glance.
- What's Actually Wrong With It?: We unpack why some popular money advice can be misleading, incomplete or just plain unhelpful.
- Is There Some Truth To It?: Because most money sayings aren't completely wrong. We look at the useful principle hiding underneath the cliché.
- What Should You Actually Do?: Practical, sensible alternatives you can apply to your own financial decisions.
- Investing, Property, Debt & Spending: Tackling advice around buying the dip, market timing, mortgages, renting, property, debt and building wealth.
- Live Community Q&A: Answering your pre-sent and live chat questions on money, investing and personal finance.
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 VanEck's range of funds
– 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
Rask resources
Follow us on social media
– Instagram: @rask.invest
– TikTok: @rask.invest
Disclaimer
The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs.
Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision.
Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk.
The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907.
Learn more about your ad choices. Visit megaphone.fm/adchoices
Is stock picking dead? Scott Phillips on ETFs, AI and the investing edge
In this episode of Australian Finance Podcast, Owen Rask sits down with Scott Phillips to unpack one of the biggest investing questions of the moment: is stock picking dead? Scott explains why investing is …
Notes de l’épisode
In this episode of Australian Finance Podcast, Owen Rask sits down with Scott Phillips to unpack one of the biggest investing questions of the moment: is stock picking dead?
Scott explains why investing is cumulative, how experience builds pattern recognition over time, and why AI may shrink some information gaps without eliminating the need for judgment. Together, Owen and Scott explore where value is still likely to accrue, why the future remains hard to predict even with better tools, and what that means for investors trying to build long-term wealth.
The conversation also gets practical on ETFs. Scott makes the case that broad, low-cost index ETFs should be the default for most Australians, while still arguing that stock picking is far from dead for investors with the temperament, process and patience to do it well.
They also discuss Scott’s book, The One Page Investing Plan, and why simple frameworks matter so much for newer investors. The big takeaway is that successful investing does not need to be complicated, but it does require patience, consistency and the ability to stay the course when markets get noisy. Scott’s view is that behaviour may be the real edge: humility, temperament and long-term thinking still matter, even in an AI-shaped market.
Episode resources
– Scott's Book: The One-Page Investing Plan
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View VanEck's range of funds
– 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
Rask resources
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
How to boost your super by $100,000
In this special Pearler x Rask live episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell break down the practical strategies that could help you grow your super by an extra $100,000 over your …
Notes de l’épisode
In this special Pearler x Rask live episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell break down the practical strategies that could help you grow your super by an extra $100,000 over your working life.
Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit
Owen & Gemma look at the three big levers: adding more, earning more and losing less, and how the right strategy can look very different depending on your age, income, time frame and circumstances.
What we cover in today's super episode:
– The $100k Super Boost: How could you potentially add an extra $100,000 to your super?
– Super 101: A quick refresher on how super works and why it matters.
– The Three Levers: Add more, earn more and lose less.
– The Power of Time: Why starting earlier can make a huge difference.
– Making Extra Contributions: How small additional contributions can add up over time.
– Your Investment Option: How the way your super is invested can affect your long-term balance.
– Fees and Costs: Why what you pay inside super matters.
– Age Matters: What you should be thinking about at different stages of your working life.
– Real-Life Scenarios: What a $100k boost could potentially look like at different ages.
– Live Community Q&A: Answering your pre-sent and live questions!
This podcast and video is sponsored by Pearler.
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 VanEck's range of funds
– 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
Rask resources
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
Factor investing explained: quality, value and growth ETFs with VanEck’s Cameron McCormack
In this Australian Finance Podcast episode, Owen Rask sits down with Cameron McCormack, Senior Portfolio Manager at VanEck, to unpack factor investing in a way that actually makes sense for everyday ETF …
Notes de l’épisode
In this Australian Finance Podcast episode, Owen Rask sits down with Cameron McCormack, Senior Portfolio Manager at VanEck, to unpack factor investing in a way that actually makes sense for everyday ETF investors.
The conversation starts with the basics: what factor investing is, how it differs from broad market-cap investing, and why terms like smart beta, rules-based investing and factor investing are often talking about the same idea. From there, Cameron breaks down the major factor lenses investors are likely to hear about, including quality, value and growth, and explains the types of company traits that sit behind each one.
Owen and Cameron then make the discussion practical by walking through real ETF examples such as QUAL and MVW, showing how factor strategies can change portfolio weights, sector exposure and diversification. They also explore when quality can behave defensively, why value can come back into favour in stronger economic environments, and how investors might think about using factor ETFs as core holdings or portfolio tilts rather than chasing complexity for its own sake.
If you have ever wondered whether factor investing is just marketing jargon or a genuinely useful next step after index ETF basics, this episode is a clear and grounded guide.
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 VanEck's range of funds
– 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
Rask resources
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
How to invest $500 in Australia (step-by-step)
If you had $500 to invest in Australia every month, where would you actually put it? Join Rask's new platform In this live weekly Q&A episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell …
Notes de l’épisode
If you had $500 to invest in Australia every month, where would you actually put it?
In this live weekly Q&A episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell break down their top strategies for investing $500/month in Australia today.
Whether you're starting from scratch or looking to automate your wealth-building habit, we share practical ways to construct a sensible, low-cost portfolio designed for the long haul.
What we cover in today's investing episode:
- The $500 Portfolio Pick: Owen and Gemma reveal where they’d invest $500 right now.
- Dollar-Cost Averaging (DCA): Why regular, fixed investments beat trying to time the market.
- The Math of $500/Month: How small monthly amounts compound into long-term wealth over 10, 20, and 30 years.
- Sensible ETF & Index Strategies: How to keep brokerage low and diversification high.
- Live Community Q&A: Answering your pre-sent and live chat questions on money, stocks, and personal finance.
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 VanEck's range of funds
– 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
Rask resources
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
10 ways to access your super
In this episode of Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack 10 legitimate ways Australians can access their super and why the rules matter more than most people realise. From the two most …
Notes de l’épisode
In this episode of Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack 10 legitimate ways Australians can access their super and why the rules matter more than most people realise.
From the two most common pathways, retiring after preservation age and turning 65, through to transition-to-retirement strategies, incapacity rules, terminal illness provisions, the First Home Super Saver Scheme, severe financial hardship, compassionate grounds and leaving Australia permanently, this episode gives listeners a practical map of what is possible and what can go wrong.
Owen and Gemma also tackle one of the internet's dumbest myths: that super is a scam. Instead, they explain why super is best understood as a tax-effective structure, why your age and employment status change the rules, and why insurance inside super can make fund-switching riskier than people expect.
You'll also hear why early access is rarely just a paperwork exercise. The discussion walks through the trade-offs behind each condition of release, why short-term relief can create long-term costs, and how Australians can think more clearly about super without falling for panic, hot takes or comment-section nonsense.
If you're approaching retirement, saving for a first home or just trying to make smarter long-term decisions, this is a fast, useful guide to the main conditions of release, the tax advantages of super and the mistakes to avoid before making a move.
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 VanEck's range of funds
– 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
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
Rewind: should you boost super, pay off debt or save for a home?
This is a special rewind episode of the Australian Finance Podcast, bringing back one of our favourite Q&A conversations because the questions are still incredibly relevant today. In this episode, Owen Rask and …
Notes de l’épisode
This is a special rewind episode of the Australian Finance Podcast, bringing back one of our favourite Q&A conversations because the questions are still incredibly relevant today.
In this episode, Owen Rask and Gemma Mitchell work through practical money decisions that many Australians wrestle with: whether extra cash should go into super or against the mortgage, what to do when you’ve saved a first-home deposit but life changes stall the next step, and how to think about retirement when you’re worried you’re behind.
They also unpack why discipline matters when comparing super with debt reduction, how to weigh flexibility against tax benefits, and what to consider if you’re building wealth outside super before preservation age. There’s also a thoughtful discussion about defined benefit schemes, planning for uncertainty, and why a simple, steady plan can matter more than chasing the perfect answer.
If you’ve ever wondered whether to boost super, hold cash, invest, or rethink the timing of a big financial move, this rewind is full of grounded, plain-English insights. It’s a great one to revisit if you’re trying to make smarter decisions with your next dollar.
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 VanEck's range of funds
– 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
Rask resources
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
How to build money goals that actually stick, with Hayden Smith
In this Australian Finance Podcast episode, Owen Rask sits down with Hayden Smith from Pearler to unpack why so many money goals fall over before they ever become real habits. Rather than setting huge targets …
Notes de l’épisode
In this Australian Finance Podcast episode, Owen Rask sits down with Hayden Smith from Pearler to unpack why so many money goals fall over before they ever become real habits.
Rather than setting huge targets that feel inspiring for a day and overwhelming for the next six months, Hayden explains why shorter timeframes, smaller milestones and cleaner systems give people a far better chance of following through. They talk through how to turn vague financial intentions into something measurable, why automation matters, and how to reduce the friction around saving and investing.
Owen and Hayden also explore the idea of a research stake - putting a small amount of money to work so you become more curious, more engaged and more accountable to your own future. It is a practical way to build momentum without needing to be perfect from day one.
Along the way, Hayden shares how his thinking has softened on owner-occupied property, why housing still matters in a long-term plan, and how tools like debt recycling may help Australians balance a home with ETF investing. If you want better money habits and money goals that actually stick, this episode is packed with practical ideas you can use straight away.
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 VanEck's range of funds
– 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
Rask resources
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
How to buy your first property in Australia, with Glen James
In this Australian Finance Podcast episode, Owen Rask sits down with Glen James to talk about buying your first property in Australia when the market feels tougher than ever. Glen explains why so many buyers …
Notes de l’épisode
In this Australian Finance Podcast episode, Owen Rask sits down with Glen James to talk about buying your first property in Australia when the market feels tougher than ever. Glen explains why so many buyers feel stuck, why the old 20% deposit playbook no longer fits reality for many people, and what first home buyers can do instead of giving up.
The conversation centres on Glen’s new book, The Quick Start Guide to Your First Property, and the practical mindset shift behind it. He argues that buyers need a clear why, a realistic time frame and a willingness to use every legitimate tool available, from the First Home Super Saver Scheme to low-deposit pathways and state-based support. Rather than obsessing over the perfect property straight away, Glen says the goal is to build a workable strategy and keep moving.
Owen and Glen also cover the emotional side of property, why a good mortgage broker can help sooner than most people think, when professional advice is worth paying for, and how parents can better support children trying to enter the market. If you’re feeling priced out, overwhelmed or unsure where to start, this episode offers a grounded, practical guide to taking the next step.
Episode resources
– Buy "The Quick-Start Guide to Your First Property"
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View VanEck's range of funds
– 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
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
VanEck’s GOAT ETF: how AI is changing ETF investing, with James Gil
In this Australian Finance Podcast episode, Owen Rask sits down with James Gil, Head of Product at VanEck, to unpack the relaunch of GOAT and why it matters for ETF investors. Rather than simply buying “AI …
Notes de l’épisode
In this Australian Finance Podcast episode, Owen Rask sits down with James Gil, Head of Product at VanEck, to unpack the relaunch of GOAT and why it matters for ETF investors. Rather than simply buying “AI stocks”, GOAT uses AI inside the portfolio construction process to rank global companies, score signals and build a 150-stock portfolio designed to adapt as markets change.
James explains why VanEck sees GOAT as a new stage of smart beta or “ETF 3.0” that sits between plain-vanilla index investing and traditional active management. The conversation walks through the four-step engine behind the fund: generating signals from huge datasets, scoring those signals, learning from what has worked across market cycles, and validating the model against live conditions.
Owen and James also dig into the difference between GOAT and MOAT, why monthly rebalancing matters, how the portfolio avoids becoming a pure tech bet, and where country and sector tilts are showing up today. They touch on the 21-year simulated track record, why VanEck says the strategy was most resilient in major stress periods, and how investors might use a dynamic ETF alongside more traditional international equity exposures. If you want a practical look at AI-driven ETF investing in Australia, this episode is a great 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 VanEck's range of funds
– 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
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
It is not personal advice. An investment in GOAT involves risks and simulated performance of the index is not indicative of future performance of GOAT.
Learn more about your ad choices. Visit megaphone.fm/adchoices
ASIC’s offset account warning: what borrowers should check, with Sarah Court
In this Australian Finance Podcast episode, Owen Rask speaks with Sarah Court, Chair of ASIC, about what the regulator is seeing across the financial system and why everyday Australians need to pay closer …
Notes de l’épisode
In this Australian Finance Podcast episode, Owen Rask speaks with Sarah Court, Chair of ASIC, about what the regulator is seeing across the financial system and why everyday Australians need to pay closer attention to how their money is being handled. Sarah explains ASIC’s role in licensing firms, holding financial institutions to account and stepping in when consumers or investors are at risk.
The core of the conversation focuses on mortgage offset accounts after ASIC uncovered failures at banks that meant some customers were not receiving the interest savings they expected. Sarah explains why these problems matter, why legacy systems and weak processes can create real financial harm, and why banks need to fix the basics instead of assuming customers will spot issues themselves.
Owen and Sarah also talk about scams, risky investments and the importance of slowing down before handing over money. She shares why MoneySmart can be such a valuable resource for Australians who want plain-English guidance on investing, risk, scams and personal finance. If you want a practical reminder to check your offset setup, stay sceptical of fast-talking investment pitches and understand where ASIC fits into the system, this episode is worth your time before it costs you real money.
Episode resources
– Investment scam alerts - ASIC
– Professional registers search - ASIC
– Buy Gemma’s book “The Money Reset”
– Speak with the Rask Advice team
– Ask a question (select the Finance podcast)
Show partner resources
– View VanEck's range of funds
– 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
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
Voici les 40 derniers épisodes sur 815. Les épisodes plus anciens se trouvent dans le flux du podcast.
Podcasts similaires
Plus de podcasts : Éducation
C’est votre podcast ?
Confirmez-le avec une entrée dans votre flux : vous recevez ici un code, vous l’ajoutez comme podcast:txt dans le canal de votre flux, et nous le vérifions. Votre podcast apparaît ensuite comme « vérifié » sur SoundNode.