Get Rich Slow Club

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@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.

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@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.

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@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.

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 laterThe 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@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.

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@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.

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 prioritiesThe 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@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.

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 easierThe 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@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.

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 sectorThe 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@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.

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 neededThe 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@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.