Get Rich Slow Club

Starting a business alongside your full-time job sounds like a sensible way to test an idea without risking your regular income. But what happens when that side business starts making money and growing it means giving up your salary? Emma was earning nearly $100,000 between her job and business, yet going full-time meant potentially dropping back to just $30,000.

So how do you give a side business a real chance without sacrificing your financial security or every spare hour you have?

In this episode, Emma and Tash share how they built businesses around their existing jobs, studies and personal lives. From squeezing client work into evenings and weekends to navigating tax, burnout and the decision to become fully self-employed, they explore what it actually takes to turn an idea into a business, and whether going full-time should even be the goal.

In this episode we'll discuss:

💼 Why starting a business doesn't have to mean quitting your job, and why some people are perfectly happy keeping their side hustle as an extra income stream.

💰 How Emma went from earning nearly $100,000 across her job and side business to facing the prospect of living on just $30,000 when she decided to go full-time.

🏠 The financial support that can make starting a business possible, from having a partner cover household expenses to moving back home with your parents.

⏰ How Emma fitted client work around her 9-to-5, train commutes and Saturday mornings, but struggled to find time to actually grow the business.

🍼 The frustration of having a brand cancel a paid campaign after Emma had already squeezed the work into her baby's nap times and planned her childcare around the expected income.

🧾 Why extra business income can mean a bigger tax bill and higher HECS/HELP repayments, and why some of that money needs to stay in the business.

🔒 The golden handcuffs of a well-paid job, and why starting something that initially earns very little can become harder as your career and financial responsibilities grow.

⚖️ How operating as a sole trader can expose personal assets to business liabilities, and why insurance and legal responsibilities become increasingly important.

🎨 Why spending months perfecting your logo, website and branding can become a distraction from actually finding customers and doing the work.

🚪 Why quitting your 9-to-5 for freedom can leave you working 9-to-9 instead, with 50 clients replacing the boss you wanted to escape.

The big takeaway? Starting a business on the side can provide an opportunity to experiment, earn extra income and build something before giving up the security of a regular salary. But growing a business involves trade-offs between money, time and risk, and going full-time isn't necessarily everyone's goal. The important thing is making sure the business you're building actually supports the life you wanted when you started it.

Case Study Form

@tashinvests
@anakresina
@getrichslowclub
@pearlerhq
Get Rich Slow Club
Pearler
YouTube
How To Not Work Forever

Disclaimer:
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.
Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide
If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.
Hosted on Acast. See acast.com/privacy for more information.

There's saving money, and then there's planning your week around a discounted chia pudding, eating year-old yoghurt or hiding a MacBook down your shorts to avoid airline baggage fees. Some money hacks are genuinely clever. Others are completely unhinged.

But how far is too far when it comes to saving money?

In this episode, Ana and Elliott share their most unusual money-saving hacks, from supermarket bargains and free entertainment to travel tricks and frequent flyer points. Along the way, they discover that some of the strangest ideas can actually save you money, while others might be taking frugality a little too far.

In this episode we'll discuss:

🥣 How Elliott discovered the exact day his favourite $9 chia pudding gets marked down to $3.

🧀 Taking leftover food home from work events, eating year-old yoghurt and the great debate over food expiry dates.

🥐 How Too Good To Go offers discounted food, including around 12 bakery items for as little as $10.

🍕 Why Ana makes herself drive to collect takeaway instead of ordering delivery, and the one exception to her rule.

🛒 How Aldi, Costco and supermarket rewards programs can reduce grocery costs, provided you resist buying things you never needed.

📚 Getting free books, audiobooks and even streaming through libraries, Libby and Kanopy.

📱 How ad blockers and avoiding social media can reduce the temptation to spend money on things you didn't even know you wanted.

✈️ The ridiculous MacBook carry-on trick, cheap community dinners in Copenhagen and getting reimbursed after being stranded by an airline.

💳 Earning frequent flyer points through supermarket gift cards, credit cards and even walking, without getting caught out by fees.

The big takeaway? The best money hacks aren't necessarily the most extreme. Sometimes they're about getting creative, questioning your spending habits or finding a cheaper way to enjoy the things you value. And sometimes they're just a little bit unhinged.

Case Study Form

@tashinvests
@anakresina
@getrichslowclub
@pearlerhq
Get Rich Slow Club
Pearler
YouTube
How To Not Work Forever

Disclaimer:
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.
Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide
If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.
Hosted on Acast. See acast.com/privacy for more information.

You can spend weeks perfecting your logo and still be forgettable. One creative consultant gets recognised for a giant napkin, while people with around 4,000 followers have written books. When it comes to building a personal brand, being memorable and being popular aren't always the same thing.

So what makes people think of you when an opportunity comes up?

In this episode, Emma and Tash reflect on building their own personal-brand businesses, including the parts that happened by accident. They explore how to find your perspective, test what connects with people, navigate a brand that changes as you do, and build a reputation that can open doors well beyond social media.

In this episode we'll discuss:

🎨 Why 18 versions of a logo can't replace having a perspective people recognise.

🧻 How a creative consultant's giant-napkin project became more memorable than a list of clients.

🧴 Why a finance book with a chapter on cellulite cream made sense for a millennial audience.

💬 How "spending runway" and "dividend day" became recognisable language people repeated back to the creators.

🤖 Why asking ChatGPT to invent your personal brand isn't the same as experimenting to see what connects.

🚪 How starting your reputation while you're still employed can open doors, even without a huge social following.

🐈 What happens when your followers know you for frugality, a cat or an opinion that no longer fits your life.

🔁 Why repeating the same idea in different ways can be the very thing that makes people remember it.

💼 How a baby-wearing consultant earned a customer's trust through content without needing an ad or a sales call.

The big takeaway? A personal brand is less about a polished image or an impressive follower count than a perspective people can recognise. It takes experimentation to find what sticks, and repetition to become known for it. Over time, that reputation can start making introductions for you.

Case Study Form

@tashinvests
@anakresina
@getrichslowclub
@pearlerhq
Get Rich Slow Club
Pearler
YouTube
How To Not Work Forever

Disclaimer:
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.
Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide
If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.
Hosted on Acast. See acast.com/privacy for more information.

A friend's $500,000 renovation can make you question whether you should upgrade your own home. Meanwhile, a $100 backpack can leave you agonising over a purchase for weeks. Whether it's a major financial decision or an everyday expense, there's more to being good with money than simply spending less.

So how do you make better money decisions without overthinking every dollar?

In this episode, Ana catches up with Elliott O'Callahan for the second instalment of his money journey. They explore how small habits, clear goals and a few personal spending rules can make managing money easier. But they also tackle the other side of being financially careful, including knowing when it's actually okay to spend.

In this episode we'll discuss:

🎯 How Elliott approaches short-term spending, saving for his first home and his longer-term FIRE goals.

🏠 Elliott's experience setting up the First Home Super Saver Scheme and using salary sacrifice to work towards a property deposit.

💰 Why a friend's $500,000 renovation prompted Ana to question the opportunity cost of upgrading her own home.

🧠 What it means to build your own "rich life", and why Elliott values health, music and time with friends more than expensive cars.

📊 Why your savings rate is about more than numbers, and how everyday behaviour can make the difference between saving 5% and 50%.

🏦 How Elliott uses Up Bank to automatically split his pay, and why having a system can remove hundreds of little money decisions.

✈️ Why Ana once prioritised cheap housing and travel over almost everything else, and how having a family changed her financial goals.

⏳ How the 30/30 rule and five simple questions from minimalism can help put the brakes on impulse purchases.

🎒 The $100 backpack, expensive barefoot shoes and the surprising mental cost of researching a purchase for too long.

The big takeaway?

Being 1% better with money isn't about denying yourself everything or making the perfect financial decision every time. It's about understanding what actually matters to you, building habits that support those priorities and recognising when being too careful with money might be costing you something else.

Case Study Form

@tashinvests
@anakresina
@getrichslowclub
@pearlerhq
Get Rich Slow Club
Pearler
YouTube
How To Not Work Forever

Disclaimer:
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.
Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide
If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.
Hosted on Acast. See acast.com/privacy for more information.

Starting a business can mean being a beginner again, except this time people you know are watching. Someone might call your Instagram content embarrassing, question your career change or accuse you of selling out. And sometimes the criticism that stings the most is the stuff you're already quietly questioning yourself.

So how do you stop other people's opinions from making your decisions for you?

In this episode, the Get Rich Slow Club hosts explore the fear of judgement that comes with putting yourself out there in business. From awkward social media encounters to career changes, pricing decisions and learning new skills, they unpack why being judged can feel so uncomfortable and how getting used to being a beginner might make it easier.

In this episode we'll discuss:

📱 The awkward wedding encounter where someone called making Instagram content embarrassing, and why not every opinion deserves a response.

🪞 Why other people's criticism can hurt more when it reflects something you're already insecure about.

🏠 The Reddit backlash and accusations of selling out after moving into mortgage broking, and how confidence in a decision changes the way criticism lands.

💼 Why starting a business in your 30s, 40s or 50s can feel especially confronting when you're leaving behind a career you've become really good at.

💰 How judging money coaches for charging high fees revealed an unexpected insecurity about setting your own prices.

🏄 What wakeboarding belly flops, beginner skydiving helmets and learning new hobbies can teach us about failing in front of other people.

🤐 Why being selective about who you share new business plans with can help separate useful feedback from unwanted opinions.

🧠 How repeated exposure to manageable challenges, with time to recover, can help build confidence for the stressful parts of running a business.

⏳ The uncomfortable question of whether it's worse to be judged for trying something now or to look back in 20 years wishing you'd given it a go.

The big takeaway? Fear of judgement often says as much about our own insecurities as it does about what other people think. Not every opinion deserves the same weight, and getting comfortable being bad at something is part of learning anything new. The real question is whether you're making decisions based on what matters to you or what someone else might say about it.

Case Study Form

@tashinvests
@anakresina
@getrichslowclub
@pearlerhq
Get Rich Slow Club
Pearler
YouTube
How To Not Work Forever

Disclaimer:
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.
Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide
If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.
Hosted on Acast. See acast.com/privacy for more information.