Get Rich Slow Club

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:
💸 Which persona might be costing you money
💸 Why set and forget can backfire as you get older
💸 How to actually get on top of your super without it taking all weekend
💸 What's worth reviewing before June 30 this year

Chances are you'll recognise yourself in at least one of these. The good news is none of them are unfixable.

Keen to compare super funds? Check out Vanguard’s SuperRatings comparison tool here https://ratemysuper.com.au/vanguard

This episode was brought to you by Vanguard.

We love sharing ideas to help you build wealth the slow and steady way, but remember that everything you hear on the Get Rich Slow Club podcast and across our socials is general in nature and not personal financial advice. All investing carries risk, and it's important you do your own due diligence.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd AFSL #563907. Natasha Etschmann is also an Authorised Representative #1299881 of Rask Licensing Pty Ltd AFSL #563907. Any advice is general & does not consider your financial situation, needs or objectives so consider whether it's appropriate. Read the FSG linked in Tash's bio. Check out the relevant ETF’s PDS & TMD before deciding, available from the product issuer’s website. Past performance is not a reliable indicator of future investment returns.

Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFSL 227263) is the product issuer of Vanguard Personal Investor and the Vanguard Australian funds and ETFs. Vanguard Super Pty Ltd (ABN 73 643 614 386 / AFSL 526270) is the trustee of Vanguard Super. You should read the relevant IDPS Guide, PDS and TMD available at www.vanguard.com.au and consider if a product is right for you before making an investment decision.
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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 finances
The mindset shift that changed how she thinks about money as a tool for buying back time
How she made her first ETF investment and the strategy she now uses
How she manages finances and goals in a new-ish relationship
Her current emergency fund goals

They 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 Form

Use the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits 💸

@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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.

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:
🥐 How she structured the purchase and why she prefers buying existing stores over new builds
🥐 The real costs and numbers behind franchise ownership
🥐 What she looks for when hiring & training staff
🥐 Leveraging tiktok to grow her business
🥐 Plus how she co-parents her franchise with her ex 👀

If you've ever been curious about business ownership as a path to financial independence, or wondered what the numbers behind a franchise actually look like, this one is worth a listen.

Follow Angelica on Tiktok & Instagram for some bakery and business BTS 🥖

Case Study Form

Use the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits 💸

@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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.

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.

👉🏼 Why big fixed costs like a mortgage can make small splurges feel practically invisible
👉🏼 The anchoring effect and how one expensive purchase makes the next one so much easier to justify
👉🏼 Whether "time is money" is a valid reason to upgrade or just a slippery slope
👉🏼 The case for setting firm money rules instead of making case-by-case calls every time
👉🏼 Food, groceries, Uber Eats and where convenience quietly becomes a very expensive habit

If any of this sounds a little too familiar, this one is worth a listen.

Case Study Form

Use the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits 💸

@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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.

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:
👉🏼 What the government's budget changes actually do (and don't do) for housing affordability
👉🏼 Whether the new negative gearing and CGT rules will help renters or hurt them
👉🏼 If the 5% deposit scheme is quietly pushing up prices at the affordable end of the market
👉🏼 What's actually happening with the 1.2 million new homes target
👉🏼 Whether rentvesting counts as a workaround, or whether young people doing it got caught in the crossfire
👉🏼 If there's any chance the government will ever incentivise renting out spare bedrooms

Whether you're renting, trying to buy, or already investing in property, there's probably something in here that will affect you. Let us know what you think of Clare's answers! 👀

Case Study Form

Use the code 'GRSC' to start investing on Pearler with $20 of free brokerage credits 💸

@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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.