Get Rich Slow Club

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.

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.

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.

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.

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.

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.

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.

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.