Owen & Gemma weekly Q&A: Fuel relief is coming, credit card surcharges are going plus, starting with $2k & retirement planning
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Episode Description
In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell dive into a listener Q&A covering real-life money challenges and wins. They cover:
– Celebrating a listener hitting $5k in savings early in the year
– Whether to focus on mortgage repayments or start investing
– How to begin investing with just $2–5k
– Financial Infidelity and coming back from gambling debt
– How to structure assets for retirement income
– What you need to know about changes to credit card surcharges
– The government announcement to cut fuel excise for three months and what it means for your budget
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Topics Covered
– Listener win: saving $5k through expenses & income growth
– Cutting costs: insurance, utilities & selling unused items
– Mortgage vs investing: how to think about the trade-off
– Balancing debt reduction and long-term investing
– When financial advice is worth paying for
– Managing money when one partner isn’t engaged
– Starting to invest with $2k–$5k
– ETFs vs savings: where to begin
– Building habits before scaling investments
– Retirement planning basics: what does “work optional” mean?
– Using assets in retirement: property, shares, super & cash
– The order of drawdown in retirement
Resources for this episode
Finders Keepers challenge tracker and workbook
Buy Gemma’s book “The Money Reset”
Ask a question (select the Finance podcast)
Show partner resources
Join Pearler using code “RASK” for $15 of Pearler Credit
Get 50% off your first two months using PocketSmith
View Betashares range of funds
Rask resources
Follow us on social media:
Instagram: @rask.invest
TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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