Australian Finance Podcast

In this Australian Finance Podcast episode, Owen Rask and Gemma Mitchell tackle the questions Australians are asking right now as post-Budget uncertainty ripples through property, super and long-term wealth plans. From negative gearing and borrowing power to super contributions, calculators and inheritance, this is a practical Q&A for people who want clearer next steps.

Owen and Gemma explain why property decisions feel harder when tax rules move, how lenders may react before the broader market does, and what to focus on if you’re trying to build wealth without blowing up your cash flow. You’ll also hear why negative gearing should never be the whole investment thesis, how “accidental investors” may need to think more intentionally, and why good financial advice often means revisiting the plan as the rules change.

They also break down why popular calculators can spit out wildly different answers, how spouse super contributions, co-contributions and splitting actually work, and the rule details that can catch people trying to do the right thing. Finally, they unpack inheritance planning and why gifting or restructuring property too early can create tax, Centrelink and family complications that are easy to underestimate. If you want calm, plain-English guidance on property, super and estate questions in a messy policy environment, this is a strong episode to queue next.

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this episode of the Australian Finance Podcast, Owen Rask is joined by Cameron Gleeson from Betashares for a practical challenge: if you could only use three ETFs for your whole portfolio, which ones would you choose — and why?

Rather than keeping it theoretical, they build two example portfolios from the ground up. The first is for a 34-year-old couple with young kids, a $50,000 portfolio and $1,000 a month to invest. The second is for a 54-year-old couple moving towards retirement, with part of their wealth outside super and a growing need for flexibility, stability and income.

Along the way, Owen and Cameron unpack how to think about diversification, asset allocation, risk tolerance, income versus growth, and why the right ETF mix changes with your stage of life. They also dig into some of the biggest mistakes investors make with ETFs, including chasing past performance, misunderstanding what is actually inside a fund, and focusing on yield without understanding the trade-offs.

The episode covers passive income, covered calls, credit and fixed income, and the role simple portfolio construction can play for Australians who want to invest with more clarity and less complexity. If you want a practical framework for choosing ETFs and building a portfolio that actually fits your goals, this episode is a strong place to start.

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this episode of the Australian Finance Podcast, Gemma Mitchell sits down with website investor and digital business educator Matt Raad to explore a different way Australians can think about building wealth. Instead of focusing only on shares, property or super, Matt explains why websites and online businesses can behave like investable assets when they are bought carefully and run well.

They unpack what makes a digital business attractive, how buyers should think about traffic, earnings and risk, and why due diligence matters before handing over a dollar. The conversation also explores the appeal of semi-passive income, the role of digital assets in a broader wealth plan, and the mindset shift required if you want to treat a website like a real business rather than a quick flip.

If you have ever wondered whether buying an online business could become a side hustle, future income stream or long-term wealth strategy, this episode is a practical place to start. Matt shares the kinds of opportunities people overlook, the mistakes beginners can make, and why patience, process and clear thinking matter just as much online as they do in any other investment market.

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell answer listener questions and give an update on the Finders Keepers $10,000 Challenge.

They cover:

– Managing money fairly in blended families

– Whether weekly mortgage repayments actually save interest

– How offset accounts change the equation

– When it makes sense to consolidate super funds

– The differences between AustralianSuper and REST

– What a condition of release really means for super access

– Whether a statutory declaration is enough to access your super legally

If you like this Australian Finance Podcast episode, you'll love our series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts!

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Topics covered

– Finders Keepers $10,000 Challenge update

– Managing money in blended families

– What’s “fair” when children aren’t biologically shared

– Shared expenses vs separate expenses in relationships

– Weekly vs monthly mortgage repayments explained

– How interest is calculated on home loans

– Offset accounts and repayment frequency

– Should you consolidate old super funds?

– Comparing AustralianSuper and REST

– Fees, insurance & investment options in super

– What is a condition of release?

– Can you access super with a statutory declaration?

– How super funds verify eligibility for release

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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In this Australian Finance Podcast episode, Owen Rask is joined by Navarre Trousselot, founder of Navexa, to unpack why the proposed 2026 Federal Budget tax changes could make ETF record-keeping and capital gains reporting much messier for everyday investors. Instead of glossing over the hard bits, they walk through how capital gains tax works in Australia, why parcel selection matters, and why ATO pre-fill can give ETF investors a false sense of security.

Navarre explains the trap most ETF investors miss: annual cost base adjustments. If you have been dollar-cost averaging into ETFs for years, every member statement can change the cost base of earlier parcels, which means your future CGT calculation is probably more complicated than you think. Owen and Navarre also explore how tools like Navexa can model rebalancing decisions, compare FIFO with lower-gain methods, and estimate the tax impact before you sell.

They also discuss what the mooted post-July 2027 rules could mean in practice, why better records may become non-negotiable, and how investors can avoid handing extra money to the ATO just because their admin is a mess. If you own ETFs, buy shares regularly, or expect to rebalance in the years ahead, this is a practical episode worth hearing before tax time gets even trickier.

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

– Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
Learn more about your ad choices. Visit megaphone.fm/adchoices