Get Rich Slow Club

Lots of people want to start a business. Far fewer actually do it.Tash and Emma unpack what can keep an idea stuck in your head for years, from self-doubt and money worries to overthinking the perfect way to begin. They also share their very different approaches to getting started, and why both come back to the same idea: create some momentum.In this episode:

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:

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:

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:

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:

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:

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:

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:

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:

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:

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:

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:

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 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:

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:

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:

Every year Pearler publishes the ETFs its community actually invests in, ranked by how many people hold them rather than by returns. Ana sits down with Pearler founder and CEO Nick Nicolaides to walk the top ten, plus the most popular pairings, and to talk about what the list is genuinely useful for (a starting point for research) and what it isn't (a shopping list).In this episode we'll discuss:

Everyone talks about inflation and interest rates, but far fewer people can explain how they're connected or why the RBA only really has one tool to work with. In part two of the four-part series, Ana and economist Evan Lucas get into what inflation actually is, why a bit of it is a good thing, and why the same rate rise can flatten a young family while barely touching someone who's already paid off their house.In this episode we'll discuss:

A will decides who gets your assets. A testamentary trust decides how they get them, and that difference can matter enormously for your kids, your blended family, and how much tax they pay. Ana sits down with estate planning lawyer Angie Treichel to unpack a tool most Australians have never heard of, plus why the post office will you've been meaning to fill out might not do what you think it does.In this episode we'll discuss:

Most of us only think about the economy when something's gone wrong, and according to economist Evan Lucas, that's by design. In part one of a four-part series, Ana sits down with the author of Mind Over Money to go right back to first principles: what an economy actually is, how we measure it, and why the whole thing behaves more like a circle than a straight line. No jargon, no judgement, just the questions you'd never ask at a dinner party.In this episode we'll discuss:

What happens to your emergency fund once you've actually built some wealth? Following straight on from their emergency funds 101 episode, Tash and Ana tackle the advanced version: offsets, debt recycling, business structures, and whether you even need a cash buffer once your portfolio could catch you. If part one was about building the safety net, this one is about rethinking it once the net is bigger than the fall. (New to emergency funds? Go listen to part one first.)In this episode we'll discuss:

Emergency funds might not be the most thrilling topic in personal finance, but they're the foundation everything else sits on. In this first of two back-to-back episodes, Tash and Ana cover the 101: what actually counts as an emergency, how much you need, and where to keep it. Whether you're starting with your first $1,000 or wondering if your buffer is big enough, this is the place to start. (Already sorted? The part 2 drops on Thursday.)In this episode we'll discuss:

If you're heading into your 40s (or already there) and worried you've missed the investing boat, this one's for you. Following their episodes on investing in your 20s and 30s, Tash and Ana tackle the decade where compounding starts pulling its weight, but mortgages, kids, ageing parents and lifestyle creep are all fighting for the same dollar. Ahead, behind or starting from scratch, it's not too late.In this episode we'll discuss:

FIRE (financial independence, retire early) made a lot more sense when houses were cheaper and the tax rules stayed put. So is it still a realistic goal for Australians in 2026? Tash and Ana take an honest look at the movement, from the maths behind it to the proposed budget changes that have the FIRE community redoing their spreadsheets.In this episode we'll discuss:

AI is being pushed into every workplace, layoffs are in the news weekly, and offshoring is easier than it's ever been. So is your 9-5 actually safe? Tash and Ana take an honest look at job security in 2026, and more importantly, how to set yourself up so a redundancy email is an inconvenience rather than a crisis.In this episode we'll discuss:

A 33 year old defence worker with a $1.1 million net worth, $365k in super, and $5,000 a fortnight going into investments. All on a $125k salary. The comment section had one big question: how? Tash and Ana crack open this Finance File, walk through the numbers line by line, and take on the debates it sparked. In this episode we'll discuss:

The federal budget keeps changing, and this time it's SMSFs and trusts feeling the impact. Tash and Ana break down two surprise updates: a ban on SMSFs borrowing to buy residential property, and a new minimum tax on discretionary trusts that had the estate planning world in a spin.In this episode we'll discuss:

"Is it too late to start investing in your 30s?" We get this question a lot. Your income typically goes up in your 30s. But so does everything else. Mortgages, kids, ageing parents, a lifestyle that somehow keeps pace with the payrise. In this episode, Tash and Ana unpack what investing actually looks like once life gets more complicated, and why this decade might need to be one of your most intentional.In this episode, we'll discuss:

Most people see the highlight reel. But what does it actually cost to put your life online?In this episode, Tash pulls back the curtain on what it's really like to be a public figure in the personal finance space. From the opportunities that come with sharing your story, to the criticism, the privacy trade-offs, and the moments that make you question whether it's all worth it, this one gets honest about the side of content creation nobody really talks about.Ana also shares how her thinking has shifted since becoming a mum, and what she's had to reconsider about what she shares, who can see it, and how she protects her family.If you've ever thought about sharing more of your life online, or you're just curious what the behind-the-scenes reality actually looks like, this episode is worth a listen.Case Study FormUse the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits

In today's ep, Tash is joined with Emma from The Broke Generation to unpack a juicy reddit dilemma: a couple in their early 30s, one-year-old in tow, are weighing up whether to sell both their Sydney properties and start fresh in Melbourne, debt-free.On the surface it sounds like a clean trade: ditch the debt, escape jobs they hate, and buy back time for family, travel, and a slower pace of life. But the catch? They'd be leaving behind a daily support network of family and friends that, when you've got a one-year-old, might make things tricky.Lots to unpack!Case Study FormUse the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits

Jetstar can be one of the cheapest ways to fly in Australia, but the hidden fees have a way of cancelling out those savings fast.In this episode, Tash and Hayden (Co-Founder and also most frugal person at pearler) break down the best tricks to get around Jetstar's baggage rules and spend your money on way more fun things.

In today's episode, economist and commentator Evan Lucas joins Ana to unpack some of the biggest forces shaping the Australian economy right now. From AI and the jobs market to the federal budget and what the CGT changes actually mean for everyday investors.In this episode, they cover:

Already feeling stressed about EOFY and tax time? We've got you covered.In this episode, Ana sits down with Julian from Mauro to break down what you actually need to know and action before 30 June. From dodgy deductions to sole trader traps, this one is packed with practical tips whether you're an employee, investor, or building something on the side.In this episode, they cover:

A first home buyer posted on the Oz Finance subreddit convinced that rising interest rates were about to swallow 84% of their income. The maths looked terrifying. The only problem wast that it was completely wrong.Tash and Emma from The Broke Generation are back together again to break down exactly where this buyer's calculations fell apart, and why it's far more common than you'd think.In this episode, they cover:The specific mistake that turned a manageable rate rise into a financial nightmare on paperWhy the lending system already has a built-in buffer most borrowers don't know aboutHow fear-driven headlines are making first home buyers worse at reading their own financesWhat to actually do if you're worried about rate rises and don't know where to startCase Study FormUse the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits

Relying on a single income stream has always carried risk, but in today's rapidly shifting economic landscape, it might be riskier than ever. In this episode, Ana sits down Melissa Browne - entrepreneur, author, and founder of the 'Her Wealth Her Way' conference. Mel has lived through serious financial hardship and come out the other side with a very clear philosophy on how to build resilience, both financially and personally.They cover a lot of ground, including:

Most of us know we should be paying more attention to our super. But knowing and doing are very different things. In this episode, we're joined by Anne McLennan from Vanguard to break down the seven personas that explain why so many Australians stay stuck when it comes to their super, and what to actually do about it. Some of us are panickers, some of us are procrastinators, and some of us are a whole lot of other things in-between.We cover:

What happens when you've ticked all the boxes on paper but still feel like something's off?In this episode, Tash and Ana chat with Jasmine, who found herself seemingly successful in her 20s by most measures, but still deeply unfulfilled. Rather than walking away from her income, she did something smarter with it.They get into:How growing up with two very different money "role models" shaped Jasmine's avoidant relationship with financesThe mindset shift that changed how she thinks about money as a tool for buying back timeHow she made her first ETF investment and the strategy she now usesHow she manages finances and goals in a new-ish relationshipHer current emergency fund goalsThey also reflect on the challenge of five-year plans when life rarely goes in a straight line, and what financial independence actually looks like when your goals are more about flexibility than a number.Case Study FormUse the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits

What does it actually look like to own a franchise business, and can it stack up financially against a traditional career path?In this episode, Tash & Ana sit down with Angelica, a Baker's Delight franchisee & business owner who purchased her first bakery at 21 after first being a Baker's Delight employee.They get into:

This week, Tash sits down with Emma from 'The Broke Generation' to get honest about how spending quietly shifts as income grows. From Ubers replacing public transport to $120 moisturisers feeling somehow reasonable, they unpack the small decisions that add up faster than most people realise.

Australia's housing crisis isn't going away, and the government's latest budget announcements have left a lot of people with more questions than answers. In this episode, Tash sits down with Minister for Housing Clare O'Neil to get into the detail behind the headlines, and find out what these policy shifts actually mean for everyday Australians trying to get ahead.Tash asks Clare:

Australia's latest federal budget has landed, and there's a lot to unpack. In this bonus episode, Tash sits down with Treasurer Jim Chalmers to get straight to the questions that actually matter for everyday investors, homeowners, and anyone (trying) to build wealth or just survive in the current economy.Tash asks Jim:

The Federal Budget has dropped some of the most significant proposed changes to Australian investment strategy in decades, and if you own property, hold assets in a trust, or are planning your wealth-building approach, this one is worth paying attention to.Tash & Ana break down exactly what's on the table, including what Tash saw firsthand at the budget lock-up in Parliament House before the announcements went public.In this episode, they cover the proposed negative gearing changes and what they actually mean for existing and future property investors, how the capital gains tax shake-up could affect the way you think about when and what to sell, the new discretionary trust rules and why the bucket company strategy may no longer work the way it used to, and which investment vehicles are looking more attractive in a post-budget world.If these changes go ahead, the playbook a lot of Australians have relied on for building wealth could look very different. The question is, what do you do with your strategy now?Use the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits

It's the age-old investing debate, and there's still no clean answer. In this episode, we get into the real nuts and bolts of property versus shares, and why the "right" choice might have less to do with the numbers than you think.We cover why property's leverage advantage comes with strings attached, how the Australian tax system quietly tilts the playing field through negative gearing and CGT exemptions, and which specific strategies are worth knowing about right now, including debt recycling, the First Home Super Saver Scheme, and trusts. We also get into what rising interest rates and recent share market volatility actually mean for your decisions today, and why personal motivation might be the most underrated factor in picking an investment path and sticking to it.Whether you're team property, team shares, or still sitting on the fence, this one will give you a clearer framework for thinking it through.Want to be a case study on the pod? Apply here

If you're in your 20s, investing can feel like one of those things you'll just "deal with later" (honestly, we get it). In this episode, we're chatting about why your 20s can be the most powerful decade to get started and why you might not have to invest as much as you think.Tash and Ana also chat about some non-monetary experiences that they think are worth chasing in your 20s. Plus, Ana shares her biggest regret when it comes to making bold moves during this decade.Want to be a case study on the pod? Apply here

In this episode, Ana & Tash are joined by Rebecca Pope from Vanguard to bust some of the most common myths around superannuation. Because super isn't just for people close to retirement, and the decisions you make today can have a massive impact on your final balance. They'll cover:

Everyone tells you to 'speak to an advisor' when making big money decisions, but with financial advice often starting in the thousands, it's not exactly accessible to the average person. It's no surprise that more and more people are turning to AI to help them plan, model and make sense of their money.In this episode, Tash and Ana unpack their honest thoughts on AI and personal finance. How they actually use it themselves, where they've seen it go wrong, and how to use it to your advantage without letting it lead you astray.Use the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits

In this replay episode, Tash and Ana are joined by Maddie Walton (@moneyloungeau) to explore practical ways to increase your borrowing capacity and avoid common pitfalls. Before diving in, the trio shares their money wins and losses, including Maddie's exciting launch party celebration and smart holiday hacks.Maddie breaks down the key factors banks consider when evaluating borrowing capacity: income, expenses, and debts. She explains how fixed costs like private health insurance and body corporate fees impact your loan potential and offers tips for managing expenses to improve your financial standing.The conversation also touches on strategies for increasing income, from pay raises to taking on second jobs, and how lenders assess variable earnings like overtime and dividends. Maddie's expert insights provide actionable steps to help you maximise your borrowing power while staying financially secure.Use the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits

How does a 31-year-old paramedic on a healthcare salary build a $3.8m property portfolio?In this episode, we're diving deep into the math, the mindset, and the exact mechanics of building a portfolio with a 'normal' job.In this episode, we'll discuss:How he got past the 2 property bottleneck where most investors get stuckHow Aidan leveraged a standard salary and existing equity to fund his portfolioRisk management with such a large portfolioAidan's version of long term successWant to follow Aidan's property journey? @authenticproperty

When Jack first started making content about politics and social issues, he realised something pretty quickly. Everyone cared, everyone was stressed, and no one knew where to start. Housing, climate, inequality, mental health… it all felt like one giant, overwhelming swirl.In this replay episode, Jack shares why he thinks hope is actually a super practical tool and why we could all use a bit more of it. He chats about the experiences that shaped his outlook on systems, community and progress, and why regular people have way more power than they think. Ana and Jack jump into everything from housing and immigration to negative gearing, tenant rights, big banks, public housing and a whole lot more.Want more of Jack? Follow him at @jack_toohey or check out his book 'Better Things Are Possible'

Most of us assume our super will just "go to our family" automatically when we pass away.The reality is much more complicated. To help us navigate the fine print, we've brought in Kate Campbell. You might know her from her time at Rask, but lately, she's been behind the scenes at a major industry super fund, reviewing and preparing death claims.Kate joins us to share what actually happens when a death claim is filed, binding vs. non-binding nominations, the mistakes that lead to frozen funds, and how you can set up your nominations today to save your loved ones from a "tricky situation" tomorrow.It's pearler's 5th birthday! Get 5 free trades here

In this replay episode, Tash and Ana welcome Karen Eley, a former financial advisor turned money coach, who helps individuals overcome money blocks and build healthier financial habits. Karen shares her journey from managing investments to diving deep into the psychology of money, helping clients uncover the hidden beliefs that impact their financial decisions.Karen opens up about her own money story, including unconscious beliefs formed during childhood and how they influenced her financial habits as an adult. She discusses the pivotal moment she discovered these patterns and the transformative steps she took to rewrite her money mindset. The conversation also delves into actionable strategies for identifying and reshaping limiting beliefs around money.Listeners will gain insights into fostering positive money habits within families and creating financially resilient children. Karen emphasises the importance of open, age-appropriate conversations about money and shares how early financial lessons can pave the way for confidence and success. Tune in to explore the fascinating intersection of psychology and finance!@tashinvests@anakresina@getrichslowclub@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimerAny 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.Natasha Etschmann is an Authorised Representative #1299881 of Guideway Financial Services Pty Ltd AFSL#420367. Read the FSG available from https://tashinvests.com/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer's website before deciding. Hosted on Acast. See acast.com/privacy for more information.