Épisodes

  • 326. How to be 1% better with your money

    326. How to be 1% better with your money
    Nov 2 2026
    A friend's $500,000 renovation can make you question whether you should upgrade your own home. Meanwhile, a $100 backpack can leave you agonising over a purchase for weeks. Whether it's a major financial decision or an everyday expense, there's more to being good with money than simply spending less.So how do you make better money decisions without overthinking every dollar?In this episode, Ana catches up with Elliott O'Callahan for the second instalment of his money journey. They explore how small habits, clear goals and a few personal spending rules can make managing money easier. But they also tackle the other side of being financially careful, including knowing when it's actually okay to spend.In this episode we'll discuss:🎯 How Elliott approaches short-term spending, saving for his first home and his longer-term FIRE goals.🏠 Elliott's experience setting up the First Home Super Saver Scheme and using salary sacrifice to work towards a property deposit.💰 Why a friend's $500,000 renovation prompted Ana to question the opportunity cost of upgrading her own home.🧠 What it means to build your own "rich life", and why Elliott values health, music and time with friends more than expensive cars.📊 Why your savings rate is about more than numbers, and how everyday behaviour can make the difference between saving 5% and 50%.🏦 How Elliott uses Up Bank to automatically split his pay, and why having a system can remove hundreds of little money decisions.✈️ Why Ana once prioritised cheap housing and travel over almost everything else, and how having a family changed her financial goals.⏳ How the 30/30 rule and five simple questions from minimalism can help put the brakes on impulse purchases.🎒 The $100 backpack, expensive barefoot shoes and the surprising mental cost of researching a purchase for too long.The big takeaway?Being 1% better with money isn't about denying yourself everything or making the perfect financial decision every time. It's about understanding what actually matters to you, building habits that support those priorities and recognising when being too careful with money might be costing you something else.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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    47 min
  • 325. How to overcome fear of judgement

    325. How to overcome fear of judgement
    Oct 29 2026
    Starting a business can mean being a beginner again, except this time people you know are watching. Someone might call your Instagram content embarrassing, question your career change or accuse you of selling out. And sometimes the criticism that stings the most is the stuff you're already quietly questioning yourself.So how do you stop other people's opinions from making your decisions for you?In this episode, the Get Rich Slow Club hosts explore the fear of judgement that comes with putting yourself out there in business. From awkward social media encounters to career changes, pricing decisions and learning new skills, they unpack why being judged can feel so uncomfortable and how getting used to being a beginner might make it easier.In this episode we'll discuss:📱 The awkward wedding encounter where someone called making Instagram content embarrassing, and why not every opinion deserves a response.🪞 Why other people's criticism can hurt more when it reflects something you're already insecure about.🏠 The Reddit backlash and accusations of selling out after moving into mortgage broking, and how confidence in a decision changes the way criticism lands.💼 Why starting a business in your 30s, 40s or 50s can feel especially confronting when you're leaving behind a career you've become really good at.💰 How judging money coaches for charging high fees revealed an unexpected insecurity about setting your own prices.🏄 What wakeboarding belly flops, beginner skydiving helmets and learning new hobbies can teach us about failing in front of other people.🤐 Why being selective about who you share new business plans with can help separate useful feedback from unwanted opinions.🧠 How repeated exposure to manageable challenges, with time to recover, can help build confidence for the stressful parts of running a business.⏳ The uncomfortable question of whether it's worse to be judged for trying something now or to look back in 20 years wishing you'd given it a go.The big takeaway? Fear of judgement often says as much about our own insecurities as it does about what other people think. Not every opinion deserves the same weight, and getting comfortable being bad at something is part of learning anything new. The real question is whether you're making decisions based on what matters to you or what someone else might say about 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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    27 min
  • 324. Why lower interest rates can hurt more today

    324. Why lower interest rates can hurt more today
    Oct 28 2026
    Anyone whose parents lived through the early 90s has probably heard about interest rates hitting 17.5%. But while rates are much lower today, house prices have climbed far beyond what many incomes can comfortably support. So even a small interest rate increase can put serious pressure on an already stretched household budget.Are interest rates really too high, or have mortgages simply become too big?In this episode, Tash and Jack unpack why today's interest rates can feel more painful than the much higher rates of previous generations. They look at what's driving inflation, whether decades of cheap borrowing have made housing less affordable, and what people can actually do when their mortgage repayments keep climbing.In this episode we'll discuss:🏠 Why mortgage repayments can be harder to manage today than when interest rates reached around 17.5% in the early 90s, despite rates now being much lower.📊 What Australia's inflation figures actually measure, and why established house prices, land and mortgage interest aren't included in the CPI basket.🏦 Why the Reserve Bank raises interest rates to tackle inflation, and Jack's argument that government spending is part of the problem.🌏 How Tash manages around $1.1 million in debt, and why seeing home loan rates advertised at 21% in Kazakhstan put Australia's rates into perspective.📈 How years of cheap borrowing may have helped push property prices higher, benefiting existing owners while making life harder for younger buyers.💰 How one of Tash's loans jumped from a 2.6% fixed rate to 7%, and why refinancing could save her around $8,500 over five years.🔄 The mortgage loyalty tax, why staying with the same lender can cost more, and how offset accounts, insurance and subscriptions fit into the household budget.🔒 The trade-off between fixing your mortgage for certainty and keeping a variable rate, even when nobody knows where interest rates are heading.🏡 Why stamp duty can discourage people from downsizing or moving closer to work, and whether an annual land tax would make more sense.☕ Why reducing spending isn't the only response to rising costs, and how Tash and Jack think about earning more, cutting expenses and keeping the things they enjoy.The big takeaway? Interest rates are only part of the affordability problem. The size of your mortgage, your income and the price you paid for your home can matter just as much as the rate itself. And while nobody can predict exactly where rates are heading, understanding the choices available can be more useful than simply hoping they'll come down.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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    40 min
  • 323. How Elliott went from $10 to $30K invested

    323. How Elliott went from $10 to $30K invested
    Oct 26 2026

    What does getting serious about money actually look like when you’re starting from scratch?


    For Elliott O’Callaghan, it started with a $10 investment at McDonald’s with his mates. Fast forward a few years and he’s gone from zero invested to more than $30,000, with around 35% of every pay now going towards investing.


    Ana chats with Elliott about learning the basics of investing, making money habits part of his routine, saving towards his first property and finding ways to enjoy life without spending on everything.


    In this episode:

    💸 Why Elliott once thought investing was just for rich people making complicated stock market moves


    📈 How his first $10 investment eventually became a portfolio of more than $30,000


    💰 Why around 35% of every pay currently goes towards investing


    🏠 His plan to use the First Home Super Saver Scheme while working towards buying property in the next 3 to 5 years


    📊 How he deals with rising property prices by focusing on the money decisions he can actually control


    🍵 The spending rule that means matcha and sushi are better enjoyed with someone else


    📚 Why the library might be one of the most underrated money-saving tools around


    🧴 And yes, Elliott explains why shampoo and body wash have disappeared from his shopping list.


    From investing $10 to building a five-figure portfolio, this is a very GRSC look at what can happen when you start small, learn as you go and build money habits that actually fit your life.


    Case Study Form


    @tashinvests

    @anakresina

    @getrichslowclub

    @pearlerhq

    Get Rich Slow Club

    Pearler

    YouTube

    How To Not Work Forever


    Disclaimer:

    Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.

    Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide

    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.

    Hosted on Acast. See acast.com/privacy for more information.
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    36 min
  • 322. Do you really need a business plan?

    322. Do you really need a business plan?
    Oct 22 2026
    Business plans can feel like something left over from year 12 business studies. But skipping the document is different from skipping the thinking. Your target market, pricing, risks and long-term plans can expose whether the business actually makes sense, and whether it will give you the life you wanted in the first place.So do you actually need a business plan, or just the thinking behind one?In this episode, the hosts work through the useful parts of a business plan and separate them from the box-ticking. They look at positioning, pricing, SWOT analysis, risk and succession planning, and why these questions can matter even if you never sit down and write a traditional business plan.In this episode we'll discuss:🦖 Whether a formal business plan is genuinely useful, and when an external lender, grant provider or other organisation might actually require one.🧭 Why your business goals need to fit your life goals, so escaping the 9 to 5 doesn't accidentally turn into another 9 to 5.🎯 How an apparently saturated market can look very different once you get specific about who you're serving and how you're positioning the offer.📣 Why you might not need 100,000 Instagram followers if you already have access to customers through existing networks, contacts and referral partners.💳 How memberships, subscriptions and prepaid packages can turn a one-off service into something more valuable and convenient for the right customer.💰 Why pricing deserves more thought than pulling a number out of thin air, including what happens when someone tells you another business charges twice as much.🧠 How a SWOT analysis can expose internal weaknesses and external threats, from relying heavily on social media for leads to changes in the wider market.🛡️ What risk management looks like in a small business, from unpaid clients and insurance to the possibility of being held responsible when something goes wrong.🗂️ Why succession planning isn't only about what happens if you disappear tomorrow. Better systems, records and client notes can also make a business easier to run or potentially sell later.The big takeaway? A formal business plan might not be necessary for every side hustle, freelancer or small business. But the questions inside one can uncover gaps in how you find customers, set prices, manage risk and build for the future. The useful part may be less about writing the document and more about thinking like you're writing one.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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    34 min
  • 321. What does financial success actually feel like?

    321. What does financial success actually feel like?
    Oct 21 2026
    Corey Goldby bought his first property at 19, went on to build a business with 35 staff and recently negotiated its sale. Yet when Tash asks whether he feels successful, his answer is no. In fact, one of the biggest feelings of achievement he's experienced came from something much simpler: paying off his personal debt.So how do you know you've made it when there's always another goal to chase?In this episode, Tash sits down with Corey J Goldby from Source Financial, now joining Fouracre Financial and the InvestorKit Group. They unpack his journey from high school dropout to property investor and business owner, including the money mistakes, unexpected opportunities and changing priorities along the way. It's a conversation about building wealth, learning from failure and figuring out what success actually means once you've achieved some of the things you set out to do.In this episode we'll discuss:🏠 How Corey bought his first property at just 19, then ended up with credit card debt, personal loans and a damaged credit file despite working in banking.💳 Why paying off his personal debt gave Corey a greater sense of achievement than some of the financial and business milestones that followed.🧵 How our upbringing can shape our relationship with money, including why Corey's wife still feels guilty about spending $500 on a sewing machine.🏘️ Why Corey reduced his property portfolio from around 14 properties to just three, and how his priorities have shifted towards upsizing his family home.⚖️ What Corey means by making investment decisions "slow but fast", and why having an exit strategy matters just as much as knowing when to buy.📈 How Corey's business grew from around 10 staff to 35 in just 18 months, and the challenges of juggling rapid growth, family life and being constantly available.🤝 How the sale and merger of Source Financial came together, including the combination of cash, shares and Corey's new role within the larger business.👨‍👩‍👦 How Corey is teaching his children about earning money through chores, and why his son wasn't particularly impressed by the idea of a 50% tax on his pocket money.📱 Why becoming successful doesn't necessarily change your old friendships, even when the people closest to you don't seem particularly interested in what you're building.🍻 What Corey might actually want to do when he's finished with finance, and why owning an old-fashioned local pub sounds more appealing than another decade of grinding away.The big takeaway?Financial success doesn't necessarily feel the way you imagine it will. Corey's story shows that building wealth and feeling successful aren't always the same thing. Paying off debt, having more time for family or simply enjoying your life can feel more meaningful than another property, another business milestone or a bigger number on your balance sheet.Case Study Form@tashinvests@anakresina@getrichslowclub@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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    37 min
  • 320. How we would invest $1,000 if we were starting again

    320. How we would invest $1,000 if we were starting again
    Oct 19 2026

    If you had $1,000 to invest and were starting from scratch today, where would you begin?


    Tash and Ana strip investing back to basics and talk through how they would approach their first $1,000 now. From emergency funds and ETFs to fees, diversification and analysis paralysis, they explore what actually matters when you are getting started.


    In this episode:


    💰 Why having an emergency fund can matter before putting money into the share market


    📈 What an ETF is, and how one investment can give you exposure to many different companies


    🧺 Why Tash and Ana favour keeping their own long-term investing approach simple rather than trying to pick individual winners


    💸 The role fees can play when comparing ETFs and investing platforms


    🧠 Why searching for the “perfect” investment can lead to analysis paralysis and stop people from getting started


    ⏳ How investing small amounts can help you become more comfortable with the ups and downs of the market over time


    💳 Why your debt, cash flow and short-term savings goals are worth thinking about before investing


    🏡 Why money you may need soon can require a different approach from money being invested for the long term


    The big takeaway? Investing can feel complicated because there are so many platforms, funds and strategies to choose from. But your first investment does not need to be perfect. Understanding your goals, building a financial buffer and learning how long-term investing works can help make the process feel much less overwhelming.


    Case Study Form


    @tashinvests

    @anakresina

    @getrichslowclub

    @pearlerhq

    Get Rich Slow Club

    Pearler

    YouTube

    How To Not Work Forever


    Disclaimer:

    Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.

    Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide

    If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.

    Hosted on Acast. See acast.com/privacy for more information.
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    27 min
  • 319. What banking setup does your small business actually need?

    319. What banking setup does your small business actually need?
    Oct 15 2026
    Opening a separate business account sounds simple until the money starts coming in. Suddenly you’re juggling tax, GST, payroll, profit, late invoices, interest and the uncomfortable reality that a healthy-looking balance may not actually be yours to spend.So what does a banking setup need to do once a side hustle starts becoming a real business?In this episode, Tash and Emma compare the banking setups they’ve built through the sole trader and company stages, including what went wrong when business and personal money were mixed. They also unpack tax buckets, cash buffers, paying yourself, business savings accounts and why revenue can look much better than the money you actually keep.In this episode we'll discuss:💸 How side hustle income can start feeling like “spare money this week” when it lands in your personal account, and what happens when tax barely enters the equation.🏦 How their banking systems evolved from one account to separate buckets for tax, GST and profit, and why a simpler setup can sometimes work once cash flow becomes more predictable.🧾 Why not all the money sitting in a business account is actually available to spend, even when the business itself is making a loss.💰 The trade-off between keeping business cash accessible and earning interest, including around $200,000 sitting inside Tash Invest and the Macquarie and NAB split used to make that cash work harder.📉 Why cash buffers matter when invoices arrive late or conditions change, and what businesses failing after only a short downturn can reveal about planning for the good times and the bad.📊 Why selling something for $100 and spending $30 to make it does not mean you’ve made $70 once tax, time, licences, insurance, software and other costs enter the picture.👩‍💼 Why $100,000 in business revenue is very different from a $100,000 salary once super, sick leave, annual leave and business expenses are stripped out.💳 How paying yourself gets trickier when income fluctuates, and why percentages or a base salary plus occasional top-ups can make the maths easier to manage.🧠 How dealing with $12,000 fortnightly payroll, four-figure business expenses and $6,000 pieces of work can quietly change what $2, $600 or $2,200 feels like in everyday life.The big takeaway? A business bank balance can tell you surprisingly little about how much money you actually have available. The useful setup is the one that makes tax, expenses, cash flow, profit and your own pay visible enough that you don’t mentally spend the same money twice. As the business changes, the banking system may need to change with it.Case Study Form@tashinvests@anakresina@getrichslowclub@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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    38 min