Australian Finance Podcast

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell answer listener questions and give an update on the Finders Keepers $10,000 Challenge.

They cover:

– Managing money fairly in blended families

– Whether weekly mortgage repayments actually save interest

– How offset accounts change the equation

– When it makes sense to consolidate super funds

– The differences between AustralianSuper and REST

– What a condition of release really means for super access

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

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

Follow us on Instagram and TikTok for more investing insights.

Topics covered

– Finders Keepers $10,000 Challenge update

– Managing money in blended families

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

– Shared expenses vs separate expenses in relationships

– Weekly vs monthly mortgage repayments explained

– How interest is calculated on home loans

– Offset accounts and repayment frequency

– Should you consolidate old super funds?

– Comparing AustralianSuper and REST

– Fees, insurance & investment options in super

– What is a condition of release?

– Can you access super with a statutory declaration?

– How super funds verify eligibility for release

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

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

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

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

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

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

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

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

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

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

In this episode of The Australian Finance Podcast, your hosts Owen Rask and Gemma Mitchell are joined by money systems expert Andrew Fisher for Episode 3 of the Christian Hull Hot Money Mess series.

After unpacking Christian’s money story and coaching framework, this episode dives into the power of data and why understanding your numbers can completely change how you feel about money.

Because whether you feel like a total money mess or think you’ve got things mostly sorted, confidence with money starts by understanding what’s actually happening behind the scenes.

They cover:

– Why data helps turn money goals into momentum

– Christian Hull’s $2 million tiny home goal and how to track it

– Why spreadsheets aren’t for everyone (and what works instead)

– The power of monthly money check-ins

– Why net worth matters more than your bank balance

– How seeing the full picture changes behaviour

– Using financial dashboards to stay motivated and on track

– How to model big life decisions before they happen

– Why “can I afford it?” is the wrong question to ask

– Finding hidden spending leaks without tracking every dollar forever

– How better spending categories can reveal surprising habits

– The simple systems that make managing money easier

Download your workbook here

If you like this Australian Finance Podcast episode on money systems, spending habits and building financial confidence, you’ll love the full Hot Money Mess series. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts!

Follow us on Instagram and TikTok for more investing insights.

Topics Covered

– Recap: Christian Hull’s Hot Money Mess journey so far

– Meet Andrew Fisher: money systems, behaviour and financial data

– Christian’s $2 million tiny home goal and building a money dashboard around real outcomes

– Why visual tracking makes big goals feel real and achievable

– Monthly money check-ins: the habit that matters most

– Why motivation disappears when progress feels invisible

– Net worth tracking: why it matters (even if you don’t feel wealthy)

– Seeing the full financial picture, not just fragments

– How dashboards can shift behaviour and reduce money stress

– Modelling major life decisions before they happen

– Why loan approval doesn’t always equal affordability

– Forecasting cash flow and stress-testing decisions

– Spending leaks: the hidden categories quietly costing you money

– Why categories tell stories about your habits

– How better budgeting categories lead to better decisions

– Practical ways to track problem spending without overwhelm

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

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

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

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

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell answer your end-of-financial-year tax questions and put Owen to the test with an ETF pop quiz challenge.

They cover:

– How tax works when you’re self-employed

– When and how much tax sole traders need to pay

– The difference between tax deductions and tax offsets

– How spouse super contributions can reduce your tax

– Why some property investors receive huge tax refunds

– Whether PAYG withholding variations can improve your cash flow

– Owen’s ETF guessing challenge using minimal clues

Topics Covered

– EOFY tax prep for Australians

– Tax basics for self-employed people

– How taxable income is calculated

– When sole traders pay tax

– PAYG instalments explained

– Tax deductions vs tax offsets

– Common misconceptions about deductions

– Spouse contributions to superannuation

– Super contribution tax offsets

– Negative gearing and tax refunds

– PAYG withholding variations for investors

– Managing cash flow throughout the year

– ETF pop quiz challenge with Owen

– Guessing ETFs from minimal clues

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– View Betashares range of funds

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

– Get 50% off your first two months using PocketSmith

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

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

AI is one of the biggest investing themes in markets right now, but the smarter question is not just whether OpenAI, Anthropic or Nvidia win. It is who else makes money when AI demand explodes.

In this Australian Finance Podcast episode, Owen Rask is joined by Cameron Gleeson from Betashares to unpack the AI supply chain from hyperscalers, semiconductors and cloud infrastructure through to copper, energy, uranium and the broader commodities complex needed to build and power data centres.

They discuss whether AI already looks like a bubble, who is making the money across the hardware, cloud and application layers, and why listed-market investors may need to think beyond the obvious names. The conversation also explores ETFs such as NDQ, ASIA, XMET, FUEL, QAU and MNRS, plus the case for a barbell portfolio that blends technology exposure with hard assets.

If you want a practical, non-hype guide to investing in AI beyond the chatbot headlines, this episode is a strong place to start.

Episode resources

– Buy Gemma’s book “The Money Reset”

– Speak with the Rask Advice team

– Ask a question (select the Finance podcast)

Show partner resources

– Join Pearler using code “RASK” for $15 of Pearler Credit

– Get 50% off your first two months using PocketSmith

– View Betashares range of funds

Rask resources

– All services

– Financial Planning

– Invest with us

– Access Show Notes

– Ask a question

– We love feedback!

Follow us on social media

– Instagram: @rask.invest

– TikTok: @rask.invest

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