Australian Finance Podcast

• How (& why) insurance works: real-life claims with Phil Thompson

  In this episode of the Australian Finance Podcast, you'll learn how and why insurance works. Life insurance, income protection, TPD & more. Owen Rask is joined by Phil Thompson, founder of Skye Wealth, to unpack what really happens when you make an insurance claim. They go behind the scenes on: – How insurance claims actually work – What mistakes people make when trying to claim – The vital difference between "own" vs "any" occupation cover – Why you should never go straight to a lawyer when claiming – The most common issues that stop people getting paid – Real client case studies and what went right (or wrong!) If you're curious about income protection, trauma cover, life insurance, or TPD claims, this episode shows how good insurance advice can make a huge difference. Enjoying the show? Subscribe for weekly episodes on Apple, Spotify, YouTube or your favourite app. Topics Covered – What really happens when you make an insurance claim – Why people often don’t realise they’re eligible for a claim – The difference between retail vs group/super insurance – Why having an adviser at claim time can save you money – The role of the waiting period and how it affects payment – Real claim case study: Chloe’s chronic fatigue income protection win – Real claim case study: Chandler’s RSI and $1.3 million TPD cover – Real claim case study: Rebecca’s mental health claim from a workplace accident – The danger of going straight to lawyers before talking to your adviser – Own occupation vs any occupation: what’s the difference? – Why good documentation and honesty make a successful claim – What to do if you’ve had time off work or a medical condition – The risk of underinsurance and how to get help Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds 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

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• How Owen Rask & Alex Luck *actually* invest [Adviser Q&A]

  In this Australian Finance Podcast episode, Owen Rask is joined by Alex Luck, founder of Everest Wealth Group, to answer your money questions. Owen’s questions: – Where are you personally invested? – What’s the most recent thing you’ve done with your money? Listener questions: – Our 19-year-old is saving for a home — should he buy an investment property while living at home and miss the First Home Buyer Grant? – Is salary sacrificing for company shares worth the tax benefit, given the concentration risk? – I’ll need to sell $150k of my $200k portfolio in 12 months to fund a house build — should I sell now or later? (CGT not an issue.) – I’m single and plan to leave my super to my parents and sibling — any issues? – I’m a uni student investing $100 a month — where should I start for long- and short-term investing (thinking gold or S&P 500 ETFs)? – I’m 20, finishing uni soon with $40k in ETFs and $10k cash — should I sell some investments to enter the property market sooner, or let them compound? Resources for this episode Get financial advice Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds 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

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• Super, saving like a boomer and exit-rentvesting dilemmas – Q&A

  In this Friday episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell dive into your questions on saving, investing, brokers, kids’ money and planning your next big property move. This week we unpack whether a high-yield savings account still stacks up against investing, how to think about using multiple brokers, and what to consider when choosing a provider to invest for your kids. We also tackle a classic rentvesting question from someone with five investment properties who now wants to buy their own home, plus a quick explainer on what really happens to your HECS-HELP debt when you pass away. Topics covered – Whether you should follow your parents’ advice to save in a high-yield account or invest once you’ve built a three-month emergency buffer – How compounding, inflation and time horizons shape the save or invest decision – The pros and cons of having core and satellite portfolios across two brokers, and when it makes sense to merge – What to think about when investing for children, including fees, tax rules and whether Australian Unity or investment bonds suit your goals – A simple framework for exiting rentvesting and transitioning into your own home, even when you’re juggling multiple properties – What actually happens to your HECS-HELP balance when you die, and how the ATO handles unpaid student debt If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link in the show notes. Resources for this episode Grant Hackett Episode on Bonds Tax Structure Rask Guide Sign up for the newsletter Sign up for Rask Core Buy Gemma’s book The Money Reset Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds 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

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• Invest your first $1,000 with these 5 steps

  In this short Wednesday bonus episode of The Australian Finance Podcast, Gemma Mitchell walks you through a simple, practical roadmap for investing your first $1,000. No jargon, no complicated charts, just clear steps you can actually follow. Getting started is often the hardest part. Many people put it off because they think they need more money, more knowledge, or the “perfect moment”. The truth is you only need a small amount, a repeatable plan, and the confidence to take the first step. This episode gives you exactly that. Gemma breaks down the five steps that build a strong foundation, along with the rookie mistakes that trip up new investors every year. If you’ve ever wondered where to begin, or you’re ready to finally put your money to work, this is the perfect place to start. In this episode, you’ll learn: - Why your first $1,000 matters more than you think - How to choose an investment platform and avoid overcomplicating it - The basics of picking a diversified investment without needing expert skills - How automation removes the emotional pressure and keeps you consistent - The difference between long-term investing and short-term noise - Rookie mistakes to steer clear of, including chasing hot tips and timing the market - How to build the habit so your first $1,000 becomes so much more If you’re ready to make a start, feel more confident, and avoid the traps that hold so many people back, tune in to this quick, practical guide. Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds 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

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• Can You Go a Year Without Shopping? Emma Edwards Tried It

  In this episode of The Australian Finance Podcast, Gemma Mitchell is joined by Emma Edwards — financial behaviour expert, founder of The Broke Generation, and now two-time author. Emma’s new book, The Wardrobe Project: A Year of Buying Less and Liking Yourself More, published by Wiley, explores the powerful connection between spending habits, confidence, and self-worth. It’s the perfect read for anyone wanting to reset their relationship with money and shopping before 2026. Together, Gemma and Emma unpack how a year-long no-buy challenge changed her approach to money, mindset, and fashion, and how you can start your own “wardrobe reset” to spend smarter and feel better. Topics Covered: - What inspired The Wardrobe Project and the surprising lessons from a year of not shopping - How body image and confidence influence the way we spend- What Emma discovered about self-worth and financial behaviour during her no-buy year- Practical tips to reduce impulse spending and start buying with purpose- How to balance self-expression and sustainability with fashion- Which money and mindset habits stuck after the challenge endedIf you’re ready to build a healthier money mindset and rethink how you spend in 2026, this episode is for you. Resources for this episode - Buy Emma’s book “The Wardrobe Project” https://www.amazon.com.au/Wardrobe-Project-Buying-Liking-Yourself/dp/1394376812 - Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question or give us feedback: https://bit.ly/R-quest  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

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