Get Rich Slow Club

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 damaged credit file despite working in banking. 💳 Why paying off his personal debt gave Corey a greater sense of achievement than some of the financial and business milestones that followed. 🧵 How our upbringing can shape our relationship with money, including why Corey's wife still feels guilty about spending $500 on a sewing machine. 🏘️ Why Corey reduced his property portfolio from around 14 properties to just three, and how his priorities have shifted towards upsizing his family home. ⚖️ What Corey means by making investment decisions "slow but fast", and why having an exit strategy matters just as much as knowing when to buy. 📈 How Corey's business grew from around 10 staff to 35 in just 18 months, and the challenges of juggling rapid growth, family life and being constantly available. 🤝 How the sale and merger of Source Financial came together, including the combination of cash, shares and Corey's new role within the larger business. 👨‍👩‍👦 How Corey is teaching his children about earning money through chores, and why his son wasn't particularly impressed by the idea of a 50% tax on his pocket money. 📱 Why becoming successful doesn't necessarily change your old friendships, even when the people closest to you don't seem particularly interested in what you're building. 🍻 What Corey might actually want to do when he's finished with finance, and why owning an old-fashioned local pub sounds more appealing than another decade of grinding away. The big takeaway? Financial success doesn't necessarily feel the way you imagine it will. Corey's story shows that building wealth and feeling successful aren't always the same thing. Paying off debt, having more time for family or simply enjoying your life can feel more meaningful than another property, another business milestone or a bigger number on your balance sheet. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 thinking about before investing 🏡 Why money you may need soon can require a different approach from money being invested for the long term The big takeaway? Investing can feel complicated because there are so many platforms, funds and strategies to choose from. But your first investment does not need to be perfect. Understanding your goals, building a financial buffer and learning how long-term investing works can help make the process feel much less overwhelming. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 sometimes work once cash flow becomes more predictable. 🧾 Why not all the money sitting in a business account is actually available to spend, even when the business itself is making a loss. 💰 The trade-off between keeping business cash accessible and earning interest, including around $200,000 sitting inside Tash Invest and the Macquarie and NAB split used to make that cash work harder. 📉 Why cash buffers matter when invoices arrive late or conditions change, and what businesses failing after only a short downturn can reveal about planning for the good times and the bad. 📊 Why selling something for $100 and spending $30 to make it does not mean you’ve made $70 once tax, time, licences, insurance, software and other costs enter the picture. 👩‍💼 Why $100,000 in business revenue is very different from a $100,000 salary once super, sick leave, annual leave and business expenses are stripped out. 💳 How paying yourself gets trickier when income fluctuates, and why percentages or a base salary plus occasional top-ups can make the maths easier to manage. 🧠 How dealing with $12,000 fortnightly payroll, four-figure business expenses and $6,000 pieces of work can quietly change what $2, $600 or $2,200 feels like in everyday life. The big takeaway? A business bank balance can tell you surprisingly little about how much money you actually have available. The useful setup is the one that makes tax, expenses, cash flow, profit and your own pay visible enough that you don’t mentally spend the same money twice. As the business changes, the banking system may need to change with it. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 restricted to wholesale investors, including the $250,000 income and $2.5 million net asset tests. 🏗️ How private credit works, why borrowers might use it instead of a bank, and why property-backed loans can offer yields around 10%. 🔒 Why investors may need to lock their money away for five or seven years, and how the illiquidity premium fits into the return equation. 🏢 Why companies such as Canva can stay private for longer, and why the number of publicly listed companies in the US has fallen dramatically since the 1990s. 🤝 Why the fund manager can matter so much in private markets, particularly when some funds require minimum investments of $100,000 or considerably more. 📉 The risks of employee share schemes when your income and a large part of your wealth are both tied to the fortunes of the same company. 🐎 Pokémon cards, artwork, wine and even horse semen inside SMSFs, plus the rules that determine whether an unusual asset can genuinely be held for retirement purposes. 🧩 Plus, a listener asks whether rotating through a long list of ETFs is really creating more diversification, or simply adding more versions of the same underlying investments. The big takeaway? Alternative investments can open the door to opportunities outside traditional shares and ETFs, but higher expected returns come with their own set of trade-offs. Liquidity, access, fees, transparency, diversification and manager quality all matter. Sometimes the most important question isn’t whether an investment is alternative, but whether you understand what you actually own and why it belongs in the portfolio. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 haven't technically lost money. 🧾 How selling company shares in the wrong financial year had flow-on effects for tax, paid parental leave and childcare subsidies. 🚲 Why waiting until you feel completely ready to invest can leave you stuck, even after you've read the books and watched the videos. 🏦 The difference between investing through super, custodial platforms and CHESS-sponsored holdings, plus why trusts and SMSFs can create complexity of their own. 🎮 How experiences with GameStop, crypto, day trading or individual shares can convince someone that all investing is far riskier than it actually is. 📊 Why one company, one industry and one country carry a very different type of risk to a broadly diversified ETF, and why time horizon matters too. 😬 What it feels like to invest a large lump sum, watch the portfolio immediately go backwards and resist the urge to keep checking the app. ⏳ Why seven to ten years can feel very different from six months, and why dividends, market growth and the snowball effect rarely arrive on demand. The big takeaway? Investing mistakes don't all look like losing money. Sometimes it's waiting, misunderstanding the structure, taking more risk than you realised, or expecting a long-term investment to prove itself almost immediately. Making better decisions starts with understanding what you're doing, while accepting that some lessons only become obvious once you've actually started. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 come from somebody's home kitchen. 📍 Why peer-to-peer food could be especially appealing in places with fewer takeaway options, including more remote parts of Australia. 💸 Whether the numbers can work when Australian ingredient costs are high, and how making a few extra meals could change the economics. 🍱 What a $15 meal, a three-hour preorder and a rotating weekly menu reveal about how these tiny food businesses actually operate. 🧾 The awkward loop where becoming licensed may require a commercial kitchen, even when the whole point of the business is to start small. ⭐ How reviews, detailed listings and repeat customers can create trust, and where that trust may still fall short of formal food regulation. 🏪 What happens to local restaurants and takeaway shops if peer-to-peer food becomes easier to find through a major platform. The big takeaway? Peer-to-peer food sits somewhere between community cooking and commercial hospitality. The appeal is clear: lower startup costs, more local choice and a possible side income. The risks are real too, especially around food safety, trust and responsibility when something goes wrong. The episode does not completely settle that tension, which is what makes the idea so interesting. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 deduction. 🏠 How the First Home Super Saver conversation quickly gets complicated, from contribution limits to what happens if you change your property plans. 📈 Why money locked away for decades raises a very different investment question from money you may need sooner. 🏦 Whether some large super funds are becoming increasingly index-like, and why Jack questions paying higher fees if a portfolio closely follows a benchmark. 💸 Why SMSFs can come with thousands of dollars in annual admin costs before you even get to the investments themselves. 🧓 The surprise around people reaching retirement age while still holding large balances in accumulation phase, and why the distinction between accumulation and pension matters. 🎰 A listener question involving $225,000 of NRL gambling winnings, gold, borrowing, trusts and a girlfriend they do not trust with the money. The big takeaway? Super can feel distant, inaccessible and full of rules, but those same features can make the details matter. The episode keeps returning to the trade-off between tax, access, fees, investment choices and flexibility. There is no single setup that suits everyone, but understanding what is happening inside your super can make the trade-offs much clearer. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 ETF domicile can mean extra admin, including the episode's discussion of W-8BEN forms and the difference between VTS and Australian-domiciled IVV. 💸 Why tiny fee differences can grab attention, even though holdings, structure and the role of the ETF may matter just as much. 🇦🇺 How VAS and VHY take different approaches to Australian shares, with one spreading across a broader market and the other focusing more on higher-dividend companies. 🏦 Why VHY's smaller group of holdings and heavier exposure to banks creates a different concentration trade-off from VAS. 💰 Why dividends can feel more rewarding when the cash lands in your account, and how income can become more relevant when thinking about FIRE, parental leave or time away from work. 📈 Why a strong recent run can make an ETF suddenly look more attractive, and how easy it is to start fiddling with a portfolio after seeing what has just performed well. The big takeaway? Two ETFs can look similar on the surface and still serve different purposes. The useful comparison is not just fees or past returns, but what the fund owns, how concentrated it is, what admin comes with it and what role you want it to play in your broader investing approach. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 tools is not always worth the effort 🤖 How AI tools are starting to fit into their businesses, from research and writing support to meeting notes and client admin 🧠 Why you probably do not need the perfect app, platform or system before you start, especially when most tools can be changed later The big takeaway? Your business tech stack does not need to be fancy. Start with tools that solve the problems you actually have, then add or change things as the business grows. Spending months comparing software can easily become another way to avoid doing the work that matters. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 economy, and why the investment case doesn't automatically settle the ethical question. 📦 How broad market ETFs can quietly expose investors to businesses they might never choose to own directly. 💰 Why some unpopular or taboo companies may trade at a discount, including the episode's discussion of the so-called "Grindr discount". 🌱 Why an "ethical" label doesn't necessarily tell you whether a fund actually matches your personal values. 🧼 How greenwashing and marketing can make it harder to work out what an ethical investment is really screening in or out. 🌏 Why solar panels, cobalt, banks and global supply chains can make the ethical picture far more complicated than simply avoiding a handful of industries. ⛏️ Why mining can look very different depending on whether you're thinking about jobs, essential resources, environmental damage or corporate accountability. 🤔 Whether a perfectly ethical portfolio is realistic at all, or whether the more practical question is knowing what you own and deciding where your own line sits. The big takeaway? There may be no such thing as a perfectly ethical portfolio. What matters is understanding what you actually own, recognising the trade-offs involved, and deciding which issues matter enough to influence where you invest. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 Tash is thinking more carefully about spending as business income changes and responsibilities grow 📈 How lifestyle creep can quietly raise the bar on how much money feels like “enough” 🤝 Why shared financial goals can get more complicated when partners are at different stages of work and life 🌏 Why building wealth is not only about reaching a number, but also about creating more freedom to use your time well 🧠 Why even people who know the maths can still wrestle with fear, uncertainty and changing priorities The big takeaway? Money can give you more choices, but that does not mean the right choice becomes obvious. At some point, the question can shift from “How much more do I need?” to “What do I actually want this money to let me do?” Your goals can change as your life changes, and revisiting the plan can be part of the process. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 asking thoughtful questions and showing genuine curiosity can make conversations much easier and more memorable 🙋 Why specific questions tend to get better responses than broad requests like “How do I start?” 🧠 How avoiding networking can compound over time, and why showing up can make future opportunities and conversations easier The big takeaway? Good networking is less about collecting contacts and more about building genuine relationships over time. Be curious, be useful and stay connected. You may not know where a conversation will lead, but the relationships you build today can create opportunities years down the track. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 asset or sector after it has already had a strong run ⚖️ The arguments for passive and active investing, including the role active investors play in setting market prices 🗳️ What happens to shareholder voting power when large investment managers hold shares on behalf of millions of investors ⏳ Why Tash and Jack keep coming back to a long-term approach rather than trying to predict the next winning sector The big takeaway? An index fund can make investing much simpler, but “diversified” does not always mean evenly spread. It is worth understanding what you actually own, where your biggest exposures sit and whether adding another fund genuinely adds something new. Sometimes a simple portfolio can already be doing more than enough. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 production company 💸 Why diversifying your income can matter just as much as diversifying your investments when you work in a creative field 💸 How Gina automates small amounts into super and investments, even when she can’t commit to the same dollar amount every month 💸 The backup plan she uses when money gets tight: find more work, grow business income, dip into her emergency fund, then look at government support if needed The big takeaway? You don’t need a perfectly predictable income to start building better money habits. Systems, backup plans and honest conversations can make a huge difference, even when your income changes from month to month. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 larger project before launching ⏰ How deadlines, accountability and giving yourself set “shifts” can make it easier to find time for a side project 🙊 Why being selective about who you share a new idea with can help protect your confidence while it is still taking shape The big takeaway? You do not need to have every part of a business figured out before you begin. Start in a way that suits how your brain works. That might mean taking one tiny action today, or setting yourself a bigger project that forces you to follow through. Either way, doing something can teach you far more than thinking about doing it. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 from 💰 How franking credits can make Australian shares attractive to some investors, without necessarily being a reason to invest on their own 🧺 Why broad diversification can reduce the need to predict which country, sector or individual company will perform best next ⚖️ Tash and Jack also tackle a listener question about investing versus putting extra money into a home loan offset, including the maths and the behavioural side of the decision The big takeaway? Investing close to home can feel familiar, but familiarity is not the same thing as diversification. Australia represents only one part of the global share market, with its own strengths and risks. Looking beyond one country can give investors exposure to a wider mix of businesses, industries and economies over the long term. 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 decision. Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 use gold as a way to teach kids about saving, investing and building wealth 🏦 The trade-offs between storing gold yourself, using a vault or investing through a pooled structure 🧓 Why gold can become more appealing to some investors as they get closer to retirement and start thinking more about diversification and capital preservation ⚖️ Why gold can still come with risks, costs and tax considerations, and why it is worth understanding how it fits alongside other assets rather than treating it as an all-or-nothing investment The big takeaway? Gold can play a useful role in a diversified portfolio, but it is not a magic solution. Like any investment, it comes with trade-offs. The key is understanding why you are holding it, how you plan to access it, and how it fits with the rest of your long-term strategy. 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative 1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 an idea before giving up the security of a regular paycheque 💼 The lumpy reality of business income, from strong months to surprise costs, payroll and chasing invoices 💼 The skills that can make business easier, including problem solving, taking action, financial literacy, adaptability and being comfortable making decisions without someone else’s approval 💼 Why networking doesn’t have to mean awkward events and business cards, and how social media can make it easier to build useful relationships The big takeaway? Running a business can create freedom, ownership and opportunities that are hard to replicate in a job. But it can also bring uncertainty, responsibility and a lot more work than the highlight reel suggests. Before jumping in, it’s worth asking what you actually want from business, and whether there’s a lower-risk way to test it first. 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative 1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 or life takes you somewhere new 🏠 How leverage can make property powerful, while also magnifying the consequences if things don’t go to plan 🏠 Why Tash and Jack are cautious about treating buyers’ agents, mortgage brokers or social media personalities as automatically qualified sources of property advice 🏠 How Australia’s focus on housing compares with other ways of building wealth, including shares, businesses and private equity 🏠 What Jack would consider if he had $50,000 to invest, and why your borrowing capacity, goals, time frame and appetite for risk matter more than following a blanket “property versus shares” rule The big takeaway? Property can still play a role in building wealth, but it isn’t the only option and it isn’t automatically the best one. Before taking on a large loan, it’s worth understanding the costs, risks and alternatives — and making sure the decision fits the life you actually want. 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative 1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 with the most money. It's figuring out what matters to you, what you're willing to give up for it, and building your finances around those priorities. @tashinvests @anakresina @getrichslowclub @pearlerhq Get Rich Slow Club Pearler YouTube How To Not Work Forever Case Study Form 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. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 necessarily regret trying them 💼 What they've learned about contracts and people who promise you the world 💼 Why some of their biggest mistakes were actually the things they waited too long to start The big takeaway? You probably won't get every business decision right the first time. Sometimes the mistake is doing something that doesn't work, and sometimes it's waiting years because you're worried about getting it wrong. You learn, adjust, and hopefully make slightly different mistakes next time. @tashinvests @anakresina @getrichslowclub @pearlerhq Get Rich Slow Club Pearler YouTube How To Not Work Forever Case Study Form 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. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 it's worth checking the insurance inside your super, especially when your circumstances change 💰 The difference between binding and non-binding beneficiary nominations, and why your will may not be enough 💰 Why super shouldn't necessarily be treated as completely separate from the rest of your financial plan The big takeaway? You don't need to obsess over your super every week. But spending a little time checking where your money is, what you're paying, how it's invested and whether your setup still suits your life could make a meaningful difference over the long term. @tashinvests @anakresina @getrichslowclub @pearlerhq Get Rich Slow Club Pearler YouTube How To Not Work Forever Case Study Form 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. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 equation 🏠 Why building an emergency fund may come before deciding whether to invest or pay down more debt 🏠 How Tash and Ana approach the mortgage-versus-investing decision differently in their own lives The big takeaway? There may not be one perfect answer. Your strategy can change as your income, family, goals and appetite for risk change. The important thing is understanding your options and choosing an approach that makes sense for your own “why.” 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 variants, global tech, and what currency hedging actually does to your returns 💸 The new actively managed all-in-one range, including allocations to infrastructure and gold, and how that differs from the index-tracking diversified ETFs most people know 💸 Single-commodity funds for silver, lithium and copper, and the gold bar versus gold ETF debate (Ana wants the bar, Tash doesn't trust herself on the tram with it) 💸 The honest thematic talk: concentrated holdings, higher fees, Tash's losses on crypto and clean-tech funds, and why both hosts keep the core of their portfolios boring The takeaway: flashy tickers are fun, but look under the hood at the actual holdings, keep thematics to a small slice if you use them at all, and let boring index funds do the heavy lifting. Nothing here is a recommendation. 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 💸 How the blog was born: ikigai, finding the overlap between what you enjoy, what you're good at and what helps people, and deciding from a position of strength rather than for money 💸 Why turning a hobby into a money-maker can drain the joy out of it, and why not everything has to earn 💸 Tasting FIRE along the way: mini retirements, extra days off, semi-retirement as the goal, and Ana's working-holiday sabbatical that changed her whole trajectory 💸 Why "what if the market crashes?" is one of the most overblown retirement fears, and the buffers and flexibility that solve for almost every bad scenario Dave's parting advice: reconnect with why you wanted financial independence in the first place. If you're kicking the can down the road, you've probably forgotten. Find Dave's articles, books and newsletter at strongmoneyaustralia.com 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 experiment showing we'll gamble to avoid a guaranteed loss even when the maths says take it 💸 Why your eyes go straight to the red holdings in your portfolio while ignoring that the whole thing is green, and what the rational move usually is 💸 Herding, recency bias and gambler's fallacy: GameStop, crypto and the "have I missed the AI boat?" feeling, and why chasing the herd amplifies losses 💸 The sunk cost trap, told through the Concorde fallacy: decades of good money thrown after bad because too much had already been spent to stop 💸 The takeaway from the whole series: cycles happen in economies, businesses and markets alike, and controlling your own behaviour is the only lever that's reliably yours That wraps the four-part series with Evan. If you missed the earlier episodes, go back for how the economy works (part one), inflation, interest rates and the RBA (part two), and property and housing (part three). 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 💸 Running the real numbers on his property returns after deposit, stamp duty, negative cash flow, selling fees and CGT, and finding index funds would have landed him in much the same place 💸 Why falling in love with the asset instead of the reason you bought it is the trap 💸 The case for semi-retirement over full FI, and why more options usually means you don't mind working, you just want control over it 💸 Dave on the word "sacrifice": you're not giving something up, you're trading it for something you want more, and the holidays and nicer car can still come later Nothing here is a recommendation, and Dave is upfront that property can work out better depending on the market and the timing. His actual point is smaller and more useful: be deliberate about the trade-offs you're making with your time, your energy and your money, because yours will look different to his. Part two covers what to do once you've actually built the money. Case Study Form @tashinvests @anakresina @strongmoneyaustralia @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. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 shrinks exactly when you'd expect it to grow. Clearance rates are now the worst since 2018 💸 Why the 5% deposit scheme is a demand-side answer to a supply-side problem 💸 The downsizing trap: stamp duty, agent fees and a lack of anything smaller to move into, and the radical HECS-style proposal for drawing on the family home instead of the pension 💸 Melbourne's slowdown, Victoria's sick economy, the honeymoon bump that follows a change of government, and why Melbourne is on track to become Australia's biggest city by 2050 💸 Evan's closing point: a house is shelter as well as an asset, and that changes what it's reasonably worth to you Nothing here is advice, and no one can tell you what prices do next. But if you're trying to get in and it feels impossible, Evan's view is that you probably will, and you may have to change what you're willing to accept to do it. Next episode: business cycles, markets, and why timing doesn't work. 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 community argues about endlessly, their geographic splits, and the DRP setting that catches people out 💸 Why the Nasdaq-focused ETF is both the highest performer on the list and the one Nick watches most nervously, and why he owns it anyway 💸 Overlap: why holding two ETFs that share holdings isn't automatically a problem, and Nick's own simple two-fund setup 💸 The near-identical Aussie large-cap ETFs, two popular and two barely known, some with cheaper fees than the famous ones 💸 The top ten pairings, which Nick says really boil down to three groups: Australia plus the world, the world tilted towards the US, or all in on America Nick's advice when two ETFs are genuinely that similar: you've done the work, so pick the one you'll be happiest holding, whether that's the cheaper fee or the brand you trust. And nothing here is a recommendation. Have a look at what's in the holdings and decide what suits 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 situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 unintended consequences: $8 billion in lost revenue and an organised crime problem, because show me the incentive and I'll show you the outcome 💸 Tax brackets that don't move with inflation, tertiary education debt that's ballooned, and the shrinking wage premium for going to uni (from about 50% down to 33%) 💸 Productivity versus activity: why doing more with less isn't productivity, and what the internal combustion engine (and possibly AI) tells us about enhancing output instead Evan's answer for anyone feeling overwhelmed by all of it: look at history. Rates go up and rates come down, and every cycle so far has ended. Whether the next stretch is short or long, zoom out. Next episode, Evan and Ana get into property and housing. 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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, including protecting beneficiaries from a messy divorce, and sometimes from themselves 💸 Why the post office or DIY will can miss your biggest asset entirely (joint tenancy, super and binding death benefit nominations all sit outside your will) 💸 The recent budget scare: proposed changes that Angie says would have taxed orphans and widows, and the backflip that followed 💸 What it costs (roughly $3,000 to $10,000), the net worth where it starts making sense (~$500,000), and why Angie reckons the average couple is closer to that number than they think 💸 The Letter of Wishes: funeral songs, the photos your partner is allowed to use, subscriptions to cancel, and every login your executor will otherwise spend unpaid hours hunting down Nobody enjoys this conversation, but as Angie puts it, a will never benefits you. It benefits the people left behind, who deserve the space to grieve without a legal mess to untangle. If you take one thing from this episode, book the chat with your partner or your parents this week. @angie_ajtlegal https://www.ajtlegal.com.au/ Free Estate Plan Ebook - AJT Legal Free Testamentary Trust Ebook - AJT Legal 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 pearler product and you'll get 12 months worth of free trades too! 💸 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 65 days late, and the forward indicators (job ads, spending data, consumer confidence) that tell you what's happening right now 💸 The Aussie farmers who stockpiled diesel on an expectation, and how that one behavioural choice moved real prices 💸 Homo economicus and why Evan reckons the useful distinction isn't rational versus irrational, it's rational versus reasonable Economics gets treated as maths and graphs, but most of it comes down to how people feel and what they do next. Evan's one-sentence definition: it's the study of how to better society, and the catch is that doesn't always translate to the individual. Stay tuned for parts two, three and four. 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 pearler product and you'll get 12 months worth of free trades too! 💸 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 dollars in the offset 💸 The 55-day credit card strategy: bridging emergencies with interest-free periods and paying it off with dividends or rent (an advanced, "it hurts my soul to say this" play with plenty of disclaimers) 💸 Renting while heavily invested: rent rises, the moving buffer you always need, and whether selling shares in a 20% downturn is really as bad as it feels 💸 Finding your "sleep at night number" — why the right buffer at this stage is as much emotional as mathematical The further along you get, the less the three-to-six-months rule matters and the more your structures, cash flow and risk tolerance take over. Mistakes hurt less as things snowball — but leverage cuts both ways, so run your own numbers and know your worst case. Consider this episode your permission slip to think about it out loud. 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 pearler product and you'll get 12 months worth of free trades too! 💸 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 dependents, family to fall back on) versus six or more (sole income earner, self-employed with lumpy income, kids, or planned parental leave) 💸 Where to keep it: high interest savings or your offset — not term deposits, not shares, and watch out for honeymoon rates and hoop-jumping bonus interest conditions 💸 Tash's $20K "I just like the look of it" approach versus Ana's full year of expenses, and why the emotional side of the number matters as much as the maths An emergency fund isn't optional, but it doesn't have to be overwhelming either — start with $1,000 and build from there. And if you have to dip into it? That's literally what it's for. Use it, feel zero guilt, and top it back up. 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 pearler product and you'll get 12 months worth of free trades too! 💸 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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, would you actually spend it on this?") 💸 Why feeling behind is the worst reason to take on more risk, and the Princeton research linking financial stress to a 13-point IQ drop 💸 Protecting what you're building: wills, executors, logins and the "death binder" that spares your family a scramble at the hardest possible time Your 40s are often the decade where the habits and decisions of the past 20 years start showing up in your net worth. Wherever you're at, the goal stays the same: build a portfolio that gives future you more choices. That might just start with this episode. 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 pearler product and you'll get 12 months worth of free trades too! 💸 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 in yet, and nobody can promise what markets, housing or tax rules will do next. But whether you're chasing full FIRE, easing towards Coast FIRE, or just want the option to work less one day, this one's worth a listen. 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 pearler product and you'll get 12 months worth of free trades too! 💸 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 AI is hitting hardest, which ones are barely touched, and why arts and media hurts to look at No job has ever been completely safe, and nobody can promise what AI, the economy or the job market will do next. But whether your industry sits at the top of the exposure chart or barely rates a mention, this episode is about giving yourself more levers to pull. Worth a listen before you need it. 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 pearler product and you'll get 12 months worth of free trades too! 💸 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 scoreboard. This one's a good reminder that the right industry can quietly supercharge your super, a windfall goes further with a plan, and someone else's numbers never tell the whole story. If you've ever seen a stranger's finances online and thought "that can't be right", this one's worth a listen. 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 pearler product and you'll get 12 months worth of free trades too! 💸 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 you're just trying to keep up, this one's worth a listen. 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 pearler product and you'll get 12 months worth of free trades too! 💸 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

"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 pearler product and you'll get 12 months worth of free trades too! 💸 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 decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 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. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.

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 needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision. Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding. Hosted on Acast. See acast.com/privacy for more information.