Australian Finance Podcast

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

– 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

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 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

– How to Raise Rich Kids book

– 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

– 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

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 actually happens to your super when you retire?

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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

– Rask Retirement Academy

– 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

– 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

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

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

– 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 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

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

– 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 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