Get Rich Slow Club

Епизоде

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  307. How do you actually start a business? 17.09.2026 35мин

  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 shapeThe 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer: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-guideIf 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.
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  306. Not all stock markets are created equal: Australia vs. The World 16.09.2026 45мин

  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 decisionThe 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer: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-guideIf 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.
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  305. Should I invest in gold, or is it just hype? 14.09.2026 39мин

  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 investmentThe 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer: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/linksPearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  304. Is business right for you? 10.09.2026 23мин

  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 relationshipsThe 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer: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/linksPearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  303. Is Australian property dead? 09.09.2026 34мин

  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” ruleThe 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer: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/linksPearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  302. Financial trade-offs: What's worth it, and what's not 07.09.2026 23мин

  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 pictureYou 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverCase Study FormDisclaimer: 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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  301. Mistakes we've made in business 03.09.2026 34мин

  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 startThe 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverCase Study FormDisclaimer: 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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  300. 8 super mistakes you want to avoid 02.09.2026 33мин

  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 planThe 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverCase Study FormDisclaimer: 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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  299. Mortgage vs investing? What should I do? 31.08.2026 25мин

  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 livesThe 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer: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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  298. Business Basics: How to get started 27.08.2026 31мин

  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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer: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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  297. How to afford expensive hobbies even if you're broke 26.08.2026 24мин

  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 equipmentIf 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer: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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  296. 24 new ETFs in 5 months: space, robots, copper and the ones worth a look 24.08.2026 19мин

  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 boringThe 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer: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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  295. You've reached FIRE, now what? Identity, fear and the one more year trap | Part 2 with Dave Gow 19.08.2026 35мин

  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 scenarioDave'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.comCase Study Form@tashinvests@anakresina@getrichslowclub@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer 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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  294. Can you time the market? Business cycles, bubbles and behavioural traps | Part 4 with Evan Lucas 17.08.2026 26мин

  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 yoursThat 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer 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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  293. What's better - investing in property or ETFs to reach FIRE? With Dave Gow 12.08.2026 34мин

  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 laterNothing 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer 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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  292. Is the property market actually broken, or does it just feel that way? 10.08.2026 32мин

  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 youNothing 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer 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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  291. The top 10 ETFs Australians actually invest in (with Pearler CEO Nick Nicolaides) 05.08.2026 38мин

  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 AmericaNick'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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer 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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  290. Why does the RBA keep changing rates? Here's the logic 03.08.2026 35мин

  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 insteadEvan'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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer 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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  289. Why you may need a Testamentary Trusts even when you don't think you do. 29.07.2026 43мин

  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 downNobody 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_ajtlegalhttps://www.ajtlegal.com.au/Free Estate Plan Ebook - AJT LegalFree Testamentary Trust Ebook - AJT LegalHappy 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer 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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.
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  288. What actually moves the economy (and why it matters to you) with Evan Lucas Part 1 27.07.2026 27мин

  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 reasonableEconomics 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@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimer 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/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf 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.