Get Rich Slow Club

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.

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.

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.

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.

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.

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.

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.

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.