Get Rich Slow Club

Business plans can feel like something left over from year 12 business studies. But skipping the document is different from skipping the thinking. Your target market, pricing, risks and long-term plans can expose whether the business actually makes sense, and whether it will give you the life you wanted in the first place. So do you actually need a business plan, or just the thinking behind one? In this episode, the hosts work through the useful parts of a business plan and separate them from the box-ticking. They look at positioning, pricing, SWOT analysis, risk and succession planning, and why these questions can matter even if you never sit down and write a traditional business plan. In this episode we'll discuss: 🦖 Whether a formal business plan is genuinely useful, and when an external lender, grant provider or other organisation might actually require one. 🧭 Why your business goals need to fit your life goals, so escaping the 9 to 5 doesn't accidentally turn into another 9 to 5. 🎯 How an apparently…

Corey Goldby bought his first property at 19, went on to build a business with 35 staff and recently negotiated its sale. Yet when Tash asks whether he feels successful, his answer is no. In fact, one of the biggest feelings of achievement he's experienced came from something much simpler: paying off his personal debt. So how do you know you've made it when there's always another goal to chase? In this episode, Tash sits down with Corey J Goldby from Source Financial, now joining Fouracre Financial and the InvestorKit Group. They unpack his journey from high school dropout to property investor and business owner, including the money mistakes, unexpected opportunities and changing priorities along the way. It's a conversation about building wealth, learning from failure and figuring out what success actually means once you've achieved some of the things you set out to do. In this episode we'll discuss: 🏠 How Corey bought his first property at just 19, then ended up with credit card debt, personal loans and a…

If you had $1,000 to invest and were starting from scratch today, where would you begin? Tash and Ana strip investing back to basics and talk through how they would approach their first $1,000 now. From emergency funds and ETFs to fees, diversification and analysis paralysis, they explore what actually matters when you are getting started. In this episode: 💰 Why having an emergency fund can matter before putting money into the share market 📈 What an ETF is, and how one investment can give you exposure to many different companies 🧺 Why Tash and Ana favour keeping their own long-term investing approach simple rather than trying to pick individual winners 💸 The role fees can play when comparing ETFs and investing platforms 🧠 Why searching for the “perfect” investment can lead to analysis paralysis and stop people from getting started ⏳ How investing small amounts can help you become more comfortable with the ups and downs of the market over time 💳 Why your debt, cash flow and short-term savings goals are worth…

Opening a separate business account sounds simple until the money starts coming in. Suddenly you’re juggling tax, GST, payroll, profit, late invoices, interest and the uncomfortable reality that a healthy-looking balance may not actually be yours to spend. So what does a banking setup need to do once a side hustle starts becoming a real business? In this episode, Tash and Emma compare the banking setups they’ve built through the sole trader and company stages, including what went wrong when business and personal money were mixed. They also unpack tax buckets, cash buffers, paying yourself, business savings accounts and why revenue can look much better than the money you actually keep. In this episode we'll discuss: 💸 How side hustle income can start feeling like “spare money this week” when it lands in your personal account, and what happens when tax barely enters the equation. 🏦 How their banking systems evolved from one account to separate buckets for tax, GST and profit, and why a simpler setup can…

Alternative investments can sound like the part of investing reserved for wealthy insiders. Private equity and private credit can offer access to companies and opportunities you won’t find on the share market, but they can also mean six-figure minimums, less transparency and locking your money away for years. So what are investors actually getting in exchange for that extra complexity? In this episode, Jack and Tash unpack the world of alternative investments, from private equity and private credit to employee share schemes and some much stranger assets held inside SMSFs. They look at why these investments can attract wealthy investors, where the higher return expectations come from, and the risks that are easier to overlook when the numbers look compelling. In this episode we'll discuss: 💰 The comparison between $1 million invested in the S&P over 35 years and the returns quoted for average private equity funds, and how compounding can dramatically widen the gap over time. 🚪 Why many private investments are…

Investing mistakes are easy to spot after the fact. An inverse ETF that moved the wrong way, $12,000 sitting idle for years, a tax decision with expensive knock-on effects, or shares that went from $70,000 to $5,000. But trying to avoid every possible mistake can create a problem of its own. So which investing mistakes are worth worrying about, and which ones are simply part of learning? In this episode, Tash and Ana unpack five investing mistakes they see people make, along with a few of their own. They look at waiting until you feel ready, misunderstanding how an investment is structured, buying things you don't really understand, expecting investing to feel comfortable and wanting long-term returns far too quickly. In this episode we'll discuss: 📉 What happened after buying an inverse leveraged ETF during Covid, expecting markets to keep falling, only for the recovery to keep going. 💸 How $12,000 ended up sitting in a near-zero-return account for years, and why opportunity cost can hurt even when you…

Buying dinner from a stranger on Facebook Marketplace sounds questionable at first. But people already buy homemade cakes, market-stall food and meals from small operators. The harder question is whether peer-to-peer food can create new small businesses without the costs of a commercial kitchen and full hospitality setup. So when does a home-cooked side hustle become a real food business? In this episode, Tash and Emma unpack the rise of people selling cooked meals through Facebook Marketplace. They look at the appeal for home cooks, the economics of a tiny food business, and the awkward questions around licences, food safety and trust. In this episode we'll discuss: 🍛 Why people are selling everything from biryani and samosas to baked goods and bento boxes through Facebook Marketplace. 🧑‍🍳 How home cooks and former chefs can test a food business without paying the upfront cost of a restaurant or food truck. 🛒 Why buying food through a polished website can feel more legitimate, even when the meal may still…

Super is easy to ignore because you might not touch it for decades. But in this episode, one simple 30-year example turns a small difference in net returns into almost $400,000. So how much attention does your super actually deserve while retirement still feels far away? In this episode, Tash and Jack unpack why super can feel boring, distant and wildly complicated, even though it can shape a huge part of retirement. They compare super with investing in your own name, then get into tax, first-home rules, investment choices, fees, SMSFs and some easy-to-miss admin. In this episode we'll discuss: 🧮 How their $100,000 example grows to roughly $1.15 million versus $760,000 over 30 years under two different net return assumptions. 🔓 Why Tash preferred investing in her own name as a sole trader, including taking $10,000 out of super during Covid and investing it herself. 🧾 The difference between salary sacrifice and topping up super yourself, including the notice of intent that can matter when claiming a tax…

Comparing ETFs sounds simple until two funds own many of the same companies but differ on diversification, dividends, fees and admin. VTS and IVV both offer exposure to US shares. VAS and VHY both focus on Australia. But similar-looking ETFs can be trying to do very different jobs. So when two ETFs look almost the same, what actually matters? In this episode, Anna and Tash compare VTS with IVV, then VAS with VHY. They look at what each ETF actually holds, where the overlap sits, and why more companies or stronger recent returns do not automatically make one option a clear winner. In this episode we'll discuss: 🇺🇸 The difference between IVV's exposure to 500 large US companies and VTS's much broader slice of the US sharemarket. 🔍 Why owning thousands more companies may not change your exposure as much as you expect when the biggest businesses still dominate the fund. 💻 How concentration in America's largest tech companies shapes the diversification debate, especially as AI pushes some valuations higher. 📝 Why…

Running a business can involve a surprising number of apps, subscriptions and systems. But do you actually need a huge tech stack to get started? Tash and Emma run through the tools they use across content, podcasts, admin, payments, email, client work and planning. They also explain which features they actually find useful, and why the fanciest option is not always the best one. In this episode: 💻 The tools Tash and Emma use to create social content, edit videos and build presentations 🎙️ How they record, host and manage podcasts, including the different tools they have tried along the way 📋 Why tools like Trello can help keep projects, partnerships, invoices and content moving without relying on your memory 📅 How shared calendars, booking tools and video calls help them manage growing teams and busy schedules 💳 The simple ways they use accounting and payment software to manage invoices, expenses and getting paid 📧 What they have learned from using different email and newsletter platforms, and why switching…

Ethical investing sounds simple until you actually look at what you own. A broad market ETF can give you exposure to tobacco, weapons and companies you might never choose individually. But an "ethical" fund can still hold businesses someone else would reject, charge a higher fee and draw its ethical line somewhere completely different. So where do you actually draw the line? In this episode, Jack and Tash unpack the uncomfortable overlap between money, values and investing. They look at why so-called sin stocks can be financially attractive, whether controversial companies can trade at a discount, how greenwashing complicates ethical labels, and why global supply chains can make even apparently positive investments difficult to judge. In this episode we'll discuss: 🚬 The extraordinary historical performance figures raised for tobacco, and what addiction, pricing power and brand loyalty can mean for a business. 🎰 Why gambling, alcohol, tobacco and defence companies can behave differently from the broader…

What do you actually want from your money? It sounds like a simple question. But once you have spent years saving, investing and working towards a goal, the answer can get surprisingly complicated. In this episode, Tash and Ana get candid about the money decisions they are thinking through right now. From FIRE and business to family, career, travel and lifestyle creep, they unpack what happens when money gives you more options, but not necessarily more clarity. In this episode: 🔥 Why getting closer to FIRE can make you question whether you still want to sprint towards the finish line 💼 The pull between keeping a secure, flexible job and taking a bigger chance on your own business 👨‍👩‍👧 How kids, parental leave and unpaid care can change the way you think about work, time and financial independence ⏳ Why having the money to take a risk does not always make the decision easier 🎯 How goals like FIRE, follower counts or career milestones can become numbers you chase without stopping to ask what comes next 💸 Why…

Networking can still bring up images of awkward events, name tags and forced small talk. But in modern business, it can look a lot more natural than that. Tash and Emma unpack how they have built useful relationships through social media, events and their wider business communities. They also explore why networking tends to work best when you focus on relationships first, rather than what you can get from someone. In this episode: 🤝 Why networking does not have to mean walking into a room full of strangers and handing out business cards 📱 How social media can help you build familiarity with people long before you ever meet them in person 🌱 Why strong business relationships can take years to turn into opportunities, partnerships or introductions 🪜 The difference between networking with people ahead of you, people at a similar stage and people earlier in their journey 👥 Why building relationships with your peers can sometimes be more useful than only trying to meet the biggest names in your industry 💬 How…

Index funds are often sold on one big idea: diversification. But owning hundreds of companies does not always mean your money is spread as evenly as you think. Tash and Jack take a closer look at what can sit underneath a seemingly simple ETF. They unpack concentration risk, overlapping funds and the point where a “passive” portfolio can start looking surprisingly active. In this episode: 📊 Why owning hundreds of companies does not automatically mean your portfolio is evenly diversified 💻 How a small group of large US companies can make up a sizeable part of a market-cap weighted index 🏦 Why Australian index funds can leave investors heavily exposed to banks and mining companies 🧩 How owning several ETFs can create overlap rather than adding meaningful diversification 🌏 Why a fund labelled “global” can still have a large exposure to the US market 🎯 How adding thematic, sector or specialised ETFs can turn a passive strategy into a form of active portfolio management 🔥 Why investors can be tempted to add an…

Managing money is hard enough with a regular paycheque. But what happens when your income changes every month, you’re building businesses, and some acting gigs have to last you for months at a time? Tash and Ana chat with actor and creative Gina Drew about budgeting on a low and irregular income, combining finances with a partner, building emergency buffers, investing small amounts, and finding support when money gets tight. In this episode: 💸 How Gina manages money when her acting income can swing from a large one-off payment to very little for months 💸 Why she and her partner split shared expenses 60/40, and how they adjust things when their incomes change 💸 What it was like navigating a relationship where one person had debt and the other had always avoided credit cards 💸 Why talking openly about money helped Gina and her partner get on the same page with spending, debt and shared goals 💸 How Gina uses Self-Employment Assistance while building her own businesses, including acting, craft classes and a…

Lots of people want to start a business. Far fewer actually do it. Tash and Emma unpack what can keep an idea stuck in your head for years, from self-doubt and money worries to overthinking the perfect way to begin. They also share their very different approaches to getting started, and why both come back to the same idea: create some momentum. In this episode: 🚀 Why talking about an idea can feel productive, even when you have not actually taken the first step 🧠 How self-doubt, comparison and fears about a “saturated” market can quietly stop people from starting 💰 Why some businesses need more money upfront, and how you may be able to test an idea before investing heavily 📱 How creating content or building an audience can help you test demand, develop useful skills and learn what people actually want 🧪 Why not every idea will work, and how trying something can still give you useful skills, data and clarity 🏃 The two very different ways Tash and Emma create momentum, from taking one tiny step to building a…

Australia might be home, but does that mean Australian shares should make up a big chunk of your portfolio? Tash and Jack unpack home-country bias and why the Australian share market looks very different from global markets. They explore diversification, the industries that dominate the ASX, and why investing overseas has become much easier than it once was. In this episode: 🌏 Why Australian investors can end up with a much bigger exposure to local shares than Australia’s size in the global market might suggest 🏦 How banks and mining companies make up a large part of the Australian share market, and what that can mean for diversification 📈 Why global share markets have outperformed Australian shares over some of the periods discussed in the episode 🇺🇸 How overseas markets can give investors access to industries and large global businesses that have much less representation on the ASX 🏠 Why Australia’s focus on property, banks and resources raises bigger questions about where future economic growth might come…

Gold has been getting a lot more attention lately. But beyond the headlines, where can it actually fit in a long-term portfolio? Tash and Ana sit down with Jordan Eliseo from ABC Bullion to unpack how gold works as an investment, why people use it for diversification, and the different ways Australians can buy, store and sell it. They also look at how gold may fit differently for younger investors, parents and people approaching retirement. This episode is sponsored by ABC Bullion, check out their website here: https://www.abcbullion.com/ In this episode: 🥇 Why gold has traditionally been seen as a defensive asset, and why some investors also view it as a source of long-term growth 🇦🇺 Why gold plays such a big role in Australia’s economy, from mining and refining to manufacturing 📈 What can drive the gold price, including supply, demand, scarcity and investor sentiment 💰 The different ways to invest in gold, including physical bars and coins, pooled products and gold ETFs 👶 How some parents and grandparents…

Starting a business can look pretty appealing from the outside. More freedom, more money, no boss, and the ability to work from wherever you like. But the reality can involve a lot more uncertainty, responsibility and late-night problem solving. Tash and Emma unpack what running a business actually looks like, who it might suit, and why leaving a good job isn’t always the obvious upgrade social media makes it seem. In this episode: 💼 Why starting a business might make sense if you want challenge, ownership or more control, but not necessarily if you just want an easier life 💼 The difference between having flexibility and actually being able to switch off when the business still depends on you 💼 Why Tash and Emma both found business appealing after struggling with workplace processes that didn’t make sense to them 💼 The “golden handcuffs” problem: why walking away from a well-paid, flexible job can be very different from leaving a lower-paid role 💼 Why building a business on the side can give you time to test…

Is Australian property still the wealth-building machine it’s often made out to be? Or have some of the forces that drove its huge run over the past few decades started to run out of steam? Tash chats with new co-host Jack Tossol, a former financial planner and content creator, about the case for and against property. They unpack affordability, leverage, diversification, rentvesting, private equity and why buying a home can be as much an emotional decision as a financial one. In this episode: 🏠 Why Jack thinks some of the tailwinds behind Australia’s property boom, including falling interest rates and rising workforce participation, may be harder to repeat 🏠 Why property doesn’t necessarily need to crash to disappoint investors, and how long periods of flat prices can matter too 🏠 The trade-offs that come with property, including debt, maintenance costs, illiquidity and having a large amount of wealth tied to one asset 🏠 Why Jack prefers rentvesting for now, and how renting can offer more flexibility if work…

Every financial decision comes with a trade-off. Spend more here, and you might have less for something else. Save aggressively now, and you might give up experiences you can't get back later. In this episode, Tash and Ana unpack some of the trade-offs they've made to get where they are financially, and how those choices have changed as their lives, priorities and incomes have changed. In this episode: 💸 The financial trade-offs Tash and Ana made when they were younger to save and invest more 💸 Why spending more isn't necessarily a bad thing when it aligns with what you actually value 💸 The hidden costs behind travel, running a business, having kids, buying a home and other big life choices 💸 How lifestyle creep can make it harder to know when you can actually afford the nicer option 💸 Why comparing your finances to someone else's rarely shows the full picture You can have a lot of the things you want in life, but probably not everything at once. The goal isn't to make every decision based on what leaves you…

Running a business means making mistakes. Sometimes expensive ones. In the second episode of the Get Rich Slow Club small business series, Tash and Emma from The Broke Generation share some of the business decisions they wish they'd handled differently, from misunderstanding GST and undercharging for their work to hiring, outsourcing and waiting too long to try new things. In this episode: 💼 The GST mistakes that caught both Tash and Emma out 💼 Why the admin side of turning your side hustle into a real business can feel so overwhelming 💼 The pricing mistakes they made, including undercharging for products, speaking gigs and book deals 💼 Why knowing what other people charge can completely change how you negotiate 💼 The tricky balance between charging what you're worth and actually having the experience to back it up 💼 What Tash learned from hiring, firing and building a team 💼 Why outsourcing doesn't always save as much time as you think 💼 The business investments that didn't pay off, and why they don't…

Super is easy to ignore when retirement feels decades away. But a few small mistakes today could make a pretty big difference to your future balance. Tash and Ana run through eight common super mistakes, from accidentally paying multiple sets of fees to having no idea what your super is actually invested in. They also unpack some of the less obvious things worth checking, like insurance, beneficiary nominations and whether extra contributions could fit into your bigger financial plan. In this episode: 💰 Why having multiple super accounts could mean paying fees and insurance more than once 💰 How to check whether your employer is actually paying your super 💰 Why super fees can be surprisingly difficult to understand, and where to look for them 💰 Why "set and forget" doesn't mean never checking your super again 💰 How your investment option, time horizon and risk tolerance can affect how your super is invested 💰 Ways you may be able to grow your super through extra contributions and government incentives 💰 Why…

Pay off the mortgage or invest? It’s one of those money questions that sounds simple, until you actually start running the numbers. Tash and Ana unpack the trade-offs between getting ahead on your home loan, keeping money in an offset, investing, making extra super contributions, and using strategies like debt recycling. More importantly, they look at why the “right” answer can depend just as much on your goals and risk tolerance as the maths. In this episode: 🏠 Why paying down your mortgage and investing don’t have to be an either/or decision 🏠 The trade-offs between a guaranteed saving on mortgage interest and uncertain investment returns 🏠 Why your goals, risk tolerance and need for flexibility matter when deciding what to do with spare cash 🏠 How an offset account can fit into your strategy, and why you should check yours is actually linked to your loan 🏠 What debt recycling is and how it can potentially make some home loan interest tax deductible 🏠 Where extra super contributions could fit into the…

Starting a business sounds simple until you're staring down an ABN application wondering if you're doing it right. In this first episode of GRSC Business, Tash is joined by Emma Edwards from The Broke Generation to break down exactly how to actually start a business, from the paperwork to the mindset shift. In this episode, we'll discuss: 👉🏼 Getting an ABN and running a business name search (and what trips people up) 👉🏼 The mistakes Emma and Tash wish they'd avoided early on 👉🏼 Cashflow and accounting software that actually makes sense for beginners 👉🏼 Putting money aside for tax, and what to watch out for 👉🏼 When you should actually start calling yourself a business (the answer might surprise you) If you've ever thought about starting something of your own but didn't know where to begin, this one's 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…

Expensive hobbies have a way of sneaking up on your budget, but going all in isn't the only option. Tash and Ana break down how to enjoy the hobbies you love without letting them take over your finances. In this episode: 💸 Cheaper ways to get your hobby fix without sacrificing the fun 💸 Why you don't need to go all in straight away 💸 The trade offs worth thinking through before committing 💸 Tash and Ana's own hobby spending wins (and regrets) 💸 Should you ever monetise a hobby you love? 💸 Tips for managing hobbies that come with expensive equipment If you've ever felt guilty about spending on something that's "just for fun," this one's worth a listen. 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…

The ASX and Cboe Australia have seen 24 new ETFs land in the first five months of 2026, covering everything from space infrastructure to humanoid robots to copper miners. Tash and Ana run through what's launched, decode the jargon, and share their honest track record with thematic funds (spoiler: Tash's crypto ETF didn't go well). Plus travel money wins, including $60 resort day passes and airport day rooms. In this episode we'll discuss: 💸 ETF basics refreshed: the chocolate-box analogy, plus quick explainers on MERs, active funds, hedging and thematic ETFs 💸 Australia's first dedicated space ETF, launched on the back of the SpaceX IPO hype, and what's actually inside it 💸 The humanoid robotics fund: how it differs from broad AI and tech ETFs, and why the hosts are happy for robots to do the laundry but not the art 💸 A fixed-term bond ETF with a 2031 maturity date, and who a set end date might suit (think approaching retirement or FIRE) 💸 Vanguard's launch spree: a new S&P 500 fund at 0.07%, hedged…

Part two with Dave Gow from Strong Money Australia picks up where the numbers end. Plenty of people hit their FIRE number and then freeze: scared to pull the pin, unsure who they are without a job, quietly signing up for one more year. It's the problem that prompted Dave's second book, and this episode works through the fears one by one. In this episode we'll discuss: 💸 The fears that stop people grabbing the freedom they built: identity, boredom, meaninglessness, what others will think, and whether the numbers will really hold 💸 One more year syndrome: why you won't be a braver person in 12 months, and how to find the fear actually driving the delay 💸 Untangling identity from a job title by diversifying your time the way you'd diversify your money 💸 How to test-drive retirement before you commit: take a week off, stay home, and watch what you gravitate towards 💸 Dave's first three months of doing deliberately nothing: fixing shift-worker sleep, walking, reading, and the surprise of feeling human again at 28…

The final part of the economics series tackles the question every investor asks eventually: can you actually time the market? Evan Lucas's answer starts one step back, with why the market isn't the economy in the first place, and ends somewhere more useful: the behavioural traps that catch investors at every point in the cycle, and the one thing you can actually control. In this episode we'll discuss: 💸 Why the economy and the market are different things: individual companies chasing shareholder value can sidestep the economic cycle entirely, which is why markets rally while economies stumble 💸 Timing the market versus time in the market: why picking the peak is a fluke dressed up as analysis, and why markets price 12 months ahead using forecasts nobody can actually make 💸 Is investing just gambling? Evan's distinction: gambling is risk with nothing behind it, investing is backing an asset that produces something, with Warren Buffett's gold versus farmland comparison 💸 Loss aversion, and the Kahneman…

Dave Gow from Strong Money Australia is back, this time for a two-part series. Part one goes right back to the start: the toxic workplace that lit the fire, the property portfolio he spent years building, and the moment he ran the numbers and realised the strategy he loved would keep him working for another decade. Ana and Dave also get into why "sacrifice" is the wrong word for any of this. In this episode we'll discuss: 💸 What actually started it: watching blokes 20 and 30 years older stuck in a job they couldn't leave, and deciding at 19 that there had to be another way 💸 The pre-FIRE era: no Mr Money Mustache, no 4% rule, no target. Just a rule that the bank balance had to go up every week 💸 Why the property plan broke down: capital city yields so low you'd need closer to 50 times your expenses instead of 25, plus the holding costs nobody talks about 💸 The Peter Thornhill reframe that made shares click: stop buying tickers on a chart, start buying a basket of businesses that pay you their profits 💸…

Everyone has an opinion on housing, and Evan Lucas warns up front that this one will make you either very angry or very happy. In part three of the four-part economics series, he and Ana get into why there's no such thing as "the Australian property market", why supply has lagged for 40 years, and why the standard fixes tend to make the demand side worse. In this episode we'll discuss: 💸 The uniquely Australian problem: we have the highest urbanisation rate in the developed world and we all want to live near the CBD, while Europe and North America happily commute 💸 Why supply has been stuck for decades: planning approvals, NIMBY versus YIMBY, our resistance to density, and build times that have blown out to 30 to 33 months 💸 Price to income ratios that have doubled, with Perth going from about 4.5 to 8.5 times gross income and Brisbane from 5.5 to 9.5, against the 3 to 4 times boomers were paying 💸 Why property behaves unlike shares: if a seller doesn't like the price, they pull the listing, so supply…

Every year Pearler publishes the ETFs its community actually invests in, ranked by how many people hold them rather than by returns. Ana sits down with Pearler founder and CEO Nick Nicolaides to walk the top ten, plus the most popular pairings, and to talk about what the list is genuinely useful for (a starting point for research) and what it isn't (a shopping list). In this episode we'll discuss: 💸 Why the list is ranked by number of investors, not performance or fund size, and why Nick thinks that matters 💸 The new entry at number ten: a high yield Australian shares ETF, and whether the proposed 30% minimum tax on capital gains has people rethinking growth versus dividends 💸 Nick's take on investing for tax outcomes: would you rather a bigger gain and a bigger tax bill, or a smaller gain and less tax? 💸 Management fees across the list, from 0.03% at the cheap end up to 0.59% for an ethically screened global fund, and what you're actually paying for 💸 All-in-one ETFs: the two big diversified funds the…

Everyone talks about inflation and interest rates, but far fewer people can explain how they're connected or why the RBA only really has one tool to work with. In part two of the four-part series, Ana and economist Evan Lucas get into what inflation actually is, why a bit of it is a good thing, and why the same rate rise can flatten a young family while barely touching someone who's already paid off their house. In this episode we'll discuss: 💸 Inflation defined as the rate money loses purchasing power, and why 2 to 3% is healthy rather than something to fear 💸 Real wage growth explained: if your pay stays flat, you've effectively gone backwards 💸 Why the RBA's only lever is interest rates, and why Evan calls it "doing fine art with a sledgehammer" 💸 Who actually feels a rate rise: mortgage holders versus asset-rich retirees who might even benefit 💸 Monetary policy versus fiscal policy, using childcare subsidies and the $426,000 income cut-off as a live example 💸 The tobacco excise as a case study in…

A will decides who gets your assets. A testamentary trust decides how they get them, and that difference can matter enormously for your kids, your blended family, and how much tax they pay. Ana sits down with estate planning lawyer Angie Treichel to unpack a tool most Australians have never heard of, plus why the post office will you've been meaning to fill out might not do what you think it does. In this episode we'll discuss: 💸 What a testamentary trust actually is: a trust written into your will that stays dormant until you pass away, with a trustee managing assets for your beneficiaries instead of handing them over directly 💸 The blended family scenario nobody plans for: why a mirror will can quietly cut your kids out years down the track, and how life insurance directed into a trust can keep everyone protected 💸 The tax angle: minor beneficiaries accessing adult tax rates and up to $22,000 per child per year tax free, versus penalty rates above $416 in a regular family trust 💸 Asset protection,…

Most of us only think about the economy when something's gone wrong, and according to economist Evan Lucas, that's by design. In part one of a four-part series, Ana sits down with the author of Mind Over Money to go right back to first principles: what an economy actually is, how we measure it, and why the whole thing behaves more like a circle than a straight line. No jargon, no judgement, just the questions you'd never ask at a dinner party. In this episode we'll discuss: 💸 What an economy is actually for, and the "Goldilocks" conditions (2 to 3% growth, ~2% inflation, a neutral cash rate) that almost never all show up at once 💸 GDP broken into its four parts, and why household consumption makes up 60 to 70% of it in countries like Australia 💸 Supply and demand explained through Wiggles tickets and Nvidia chips, plus what happens when demand outruns supply by a mile 💸 Stagflation: what went wrong in the 1970s oil crisis, and whether there's an argument we're seeing shades of it now 💸 Why GDP data arrives…

What happens to your emergency fund once you've actually built some wealth? Following straight on from their emergency funds 101 episode, Tash and Ana tackle the advanced version: offsets, debt recycling, business structures, and whether you even need a cash buffer once your portfolio could catch you. If part one was about building the safety net, this one is about rethinking it once the net is bigger than the fall. (New to emergency funds? Go listen to part one first.) In this episode we'll discuss: 💸 Where your emergency fund lives when your whole home loan is debt recycled: Ana's spreadsheet session with her partner, and why the answer might be an offset that "kind of defeats the purpose" 💸 Tash's confession: no personal emergency fund at all — how roughly $220,000 sitting in her businesses works as a backstop, and the tax trade-off of paying yourself out only when you need it 💸 Fully offset mortgage? That IS your emergency fund — why neither host would keep a separate cash pile on top of a million…

Emergency funds might not be the most thrilling topic in personal finance, but they're the foundation everything else sits on. In this first of two back-to-back episodes, Tash and Ana cover the 101: what actually counts as an emergency, how much you need, and where to keep it. Whether you're starting with your first $1,000 or wondering if your buffer is big enough, this is the place to start. (Already sorted? The part 2 drops on Thursday.) In this episode we'll discuss: 💸 What counts as an emergency (job loss, car repairs, vet bills, last-minute flights home) and what definitely doesn't (Christmas comes every year — plan for it) 💸 The maths of skipping the buffer: why a $3,000 car repair on a 20% credit card can undo an investment returning 7%, and how bad expenses love arriving all at once 💸 How to calculate your number: add up essential monthly expenses and multiply by three to six — a worked example where $3,500 a month means a fund of $10,500 to $21,000 💸 When to lean towards three months (stable job, no…

If you're heading into your 40s (or already there) and worried you've missed the investing boat, this one's for you. Following their episodes on investing in your 20s and 30s, Tash and Ana tackle the decade where compounding starts pulling its weight, but mortgages, kids, ageing parents and lifestyle creep are all fighting for the same dollar. Ahead, behind or starting from scratch, it's not too late. In this episode we'll discuss: 💸 The maths of starting at 40: how $1,400 a month at a 7% return (not guaranteed) could make you a millionaire by 65, and why smaller amounts still count 💸 A timely scam warning: the fake accounts and WhatsApp groups impersonating Tash, how to spot an imposter, and what to do if you've been caught 💸 Why your 40s call for a more serious setup: super contributions to reduce taxable income, carry forward rules, insurances, and when a financial adviser's fee starts being worth it 💸 The $100,000 deck conversation: Ana's framework for lifestyle creep ("if someone gifted you the money,…

FIRE (financial independence, retire early) made a lot more sense when houses were cheaper and the tax rules stayed put. So is it still a realistic goal for Australians in 2026? Tash and Ana take an honest look at the movement, from the maths behind it to the proposed budget changes that have the FIRE community redoing their spreadsheets. In this episode we'll discuss: 💸 What FIRE actually is: the 25 times expenses rule, the 4% rule, and where those numbers come from 💸 Ana's controversial take on who FIRE is (and isn't) realistic for 💸 The bloke living at a skydiving drop zone saving 80% of his income, and what it says about the non-traditional path 💸 The beginner steps: finding your FIRE number, tracking your spending, and the buffers most people forget 💸 How Lisa, a 38 year old freelancer, swapped full FIRE for Coast FIRE and "work optional at 50" 💸 Why the proposed 30% minimum tax on capital gains has households like Ana's rethinking high growth versus high dividends None of the budget changes are locked…

AI is being pushed into every workplace, layoffs are in the news weekly, and offshoring is easier than it's ever been. So is your 9-5 actually safe? Tash and Ana take an honest look at job security in 2026, and more importantly, how to set yourself up so a redundancy email is an inconvenience rather than a crisis. In this episode we'll discuss: 💸 Why Ana's answer is a flat "no": engineers building the tech that could replace them, and the what-if conversations happening in her household 💸 The risk that gets less airtime than AI: offshoring, and Tash's honest take after making her first offshore hire 💸 Why neither host is panicking: healthcare fallbacks, trust in a personal brand, and income streams that don't share a single point of failure 💸 The dystopian investor moment: when layoffs at the companies you own push your portfolio up 💸 Practical safeguards: building side income before you need it, staying on a casual employer's books, and the case for two part-time jobs 💸 The graph showing which occupations…

A 33 year old defence worker with a $1.1 million net worth, $365k in super, and $5,000 a fortnight going into investments. All on a $125k salary. The comment section had one big question: how? Tash and Ana crack open this Finance File, walk through the numbers line by line, and take on the debates it sparked. In this episode we'll discuss: 💸 Where the $5k a fortnight actually goes, from S&P 500 ETFs to salary sacrificing hard into super 💸 What catch-up concessional contributions are, and why this person is using five years' worth before starting a family 💸 How a 33 year old ends up with $365k in super (spoiler: defence super plays by different rules) 💸 The $175,000 townhouse that turned into a total money pit, and the lesson it left behind 💸 The great net worth debate: what counts, what doesn't, and whether your car belongs in there 💸 Whether $100 a month of fun money is rough, or proof you don't need cash to have a good time Finance Files are a window into how other people actually do money, not a…

The federal budget keeps changing, and this time it's SMSFs and trusts feeling the impact. Tash and Ana break down two surprise updates: a ban on SMSFs borrowing to buy residential property, and a new minimum tax on discretionary trusts that had the estate planning world in a spin. In this episode we'll discuss: 💸 What an SMSF actually is, and how it differs from a regular super fund 💸 What an LRBA is and how people were using it to buy property inside their super 💸 Why this ban wasn't even in the original budget, and why that's got people a little salty 💸 What a testamentary trust is and why it's not just a "rich person" strategy 💸 How the new 30% trust tax almost caught testamentary trusts in the crossfire, and what's changed since 💸 Whether this could spark a rush of people trying to buy property in their super before the deadline hits Some of this is locked in law, some is still just a proposal, and there are still a few grey areas nobody's been able to answer yet. If you've got a will, a super fund, or…

"Is it too late to start investing in your 30s?" We get this question a lot. Your income typically goes up in your 30s. But so does everything else. Mortgages, kids, ageing parents, a lifestyle that somehow keeps pace with the payrise. In this episode, Tash and Ana unpack what investing actually looks like once life gets more complicated, and why this decade might need to be one of your most intentional. In this episode, we'll discuss: 💸 Why your 30s are usually your highest saving decade 💸 The property vs shares debate, and why it might be the wrong question 💸 How much attention your super actually deserves right now 💸 Lifestyle creep, automation, and making the most of a bigger income 💸 Protecting what you've built with insurance, emergency funds, and estate planning 💸 Staying invested through the chaos of kids, career changes, and everything in between Happy EOFY from pearler! Sign up in July using the code GETRICHSLOW for 12 months worth of free trades 💸 And for existing customers, sign up to a new…

Most people see the highlight reel. But what does it actually cost to put your life online? In this episode, Tash pulls back the curtain on what it's really like to be a public figure in the personal finance space. From the opportunities that come with sharing your story, to the criticism, the privacy trade-offs, and the moments that make you question whether it's all worth it, this one gets honest about the side of content creation nobody really talks about. Ana also shares how her thinking has shifted since becoming a mum, and what she's had to reconsider about what she shares, who can see it, and how she protects her family. If you've ever thought about sharing more of your life online, or you're just curious what the behind-the-scenes reality actually looks like, this episode is worth a listen. Case Study Form Use the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits 💸 @tashinvests @anakresina @getrichslowclub @pearlerhq Get Rich Slow Club Pearler YouTube How To Not Work…

In today's ep, Tash is joined with Emma from The Broke Generation to unpack a juicy reddit dilemma: a couple in their early 30s, one-year-old in tow, are weighing up whether to sell both their Sydney properties and start fresh in Melbourne, debt-free. On the surface it sounds like a clean trade: ditch the debt, escape jobs they hate, and buy back time for family, travel, and a slower pace of life. But the catch? They'd be leaving behind a daily support network of family and friends that, when you've got a one-year-old, might make things tricky. Lots to unpack! Case Study Form Use the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits 💸 @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.…

Jetstar can be one of the cheapest ways to fly in Australia, but the hidden fees have a way of cancelling out those savings fast. In this episode, Tash and Hayden (Co-Founder and also most frugal person at pearler) break down the best tricks to get around Jetstar's baggage rules and spend your money on way more fun things. 💃🏻 They cover: 💸 Why your bag choice matters more than you think 💸 Timing tricks for check-in and boarding that can save you at the gate 💸 Whether the bundles are actually worth it (or just clever upselling) 💸 How airport location affects how strictly the rules are enforced If you've ever been stung by a surprise baggage fee or wondered if there's a smarter way to fly budget, this one's for you. Case Study Form Use the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits 💸 @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…

In today's episode, economist and commentator Evan Lucas joins Ana to unpack some of the biggest forces shaping the Australian economy right now. From AI and the jobs market to the federal budget and what the CGT changes actually mean for everyday investors. In this episode, they cover: 💸 Why AI is an enhancer, not just an efficiency tool 💸 The industrial revolution comparison: what history says about job displacement and where the new opportunities will emerge 💸 Australia's federal budget breakdown: the minimum wage rise, income tax frustration, and why 54% of government revenue coming from one source is a problem 💸 The proposed CGT changes explained in plain numbers (and why Evan thinks they'll hurt everyday investors more than the wealthy) 💸 Why housing affordability is being debated in the wrong arena entirely 💸 The GST conversation nobody wants to have (but probably should) 💸 What Gen Z & Alpha are up against, and why the system isn't rewarding hard work the way it used to Want more of Evan? Case Study…

Already feeling stressed about EOFY and tax time? We’ve got you covered. In this episode, Ana sits down with Julian from Mauro to break down what you actually need to know and action before 30 June. From dodgy deductions to sole trader traps, this one is packed with practical tips whether you're an employee, investor, or building something on the side. In this episode, they cover: 💸 The most common tax mistakes the ATO is actively scrutinising right now (and how to avoid them) 💸 Working from home claims: the two methods, what records you actually need, and which one could give you a better deduction 💸 What "it's a tax write-off" actually means (and where most people get it wrong) 💸 Super contributions before 30 June, including the five-year carry-back rule you might not know you can use 💸 Sole trader vs company: when the switch makes sense and what happens to your tax rate if you wait too long 💸 What investors need to know about dividends, share sales, and why the ATO already knows more than you think 💸…

A first home buyer posted on the Oz Finance subreddit convinced that rising interest rates were about to swallow 84% of their income. The maths looked terrifying. The only problem wast that it was completely wrong. Tash and Emma from The Broke Generation are back together again to break down exactly where this buyer's calculations fell apart, and why it's far more common than you'd think. In this episode, they cover: The specific mistake that turned a manageable rate rise into a financial nightmare on paper Why the lending system already has a built-in buffer most borrowers don't know about How fear-driven headlines are making first home buyers worse at reading their own finances What to actually do if you're worried about rate rises and don't know where to start Case Study Form Use the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits 💸 @tashinvests @anakresina @getrichslowclub @pearlerhq Get Rich Slow Club Pearler YouTube How To Not Work Forever Disclaimer Any advice is general…

Relying on a single income stream has always carried risk, but in today's rapidly shifting economic landscape, it might be riskier than ever. In this episode, Ana sits down Melissa Browne - entrepreneur, author, and founder of the 'Her Wealth Her Way' conference. Mel has lived through serious financial hardship and come out the other side with a very clear philosophy on how to build resilience, both financially and personally. They cover a lot of ground, including: 💸 Why a "portfolio career" with could be the smartest move you make right now 💸 How to use AI discerningly in your business without ignoring the very real risks it poses to certain roles 💸 Mel's thoughts on the latest budget announcements and who it hits hardest 💸 How human connection and community can be the antidote to financial shame and overwhelm 💸 The basics that are easy to forget when everything feels uncertain There's also a candid personal story in here about navigating divorce, debt, and starting over financially that might resonate more…