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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 @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.

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 @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.

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.

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 @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.

Alternative investments can sound like the part of investing reserved for wealthy insiders. Private equity and private credit can offer access to companies and opportunities you won’t find on the share market, but they can also mean six-figure minimums, less transparency and locking your money away for years. So what are investors actually getting in exchange for that extra complexity? In this episode, Jack and Tash unpack the world of alternative investments, from private equity and private credit to employee share schemes and some much stranger assets held inside SMSFs. They look at why these investments can attract wealthy investors, where the higher return expectations come from, and the risks that are easier to overlook when the numbers look compelling. In this episode we'll discuss: 💰 The comparison between $1 million invested in the S&P over 35 years and the returns quoted for average private equity funds, and how compounding can dramatically widen the gap over time. 🚪 Why many private investments are restricted to wholesale investors, including the $250,000 income and $2.5 million net asset tests. 🏗️ How private credit works, why borrowers might use it instead of a bank, and why property-backed loans can offer yields around 10%. 🔒 Why investors may need to lock their money away for five or seven years, and how the illiquidity premium fits into the return equation. 🏢 Why companies such as Canva can stay private for longer, and why the number of publicly listed companies in the US has fallen dramatically since the 1990s. 🤝 Why the fund manager can matter so much in private markets, particularly when some funds require minimum investments of $100,000 or considerably more. 📉 The risks of employee share schemes when your income and a large part of your wealth are both tied to the fortunes of the same company. 🐎 Pokémon cards, artwork, wine and even horse semen inside SMSFs, plus the rules that determine whether an unusual asset can genuinely be held for retirement purposes. 🧩 Plus, a listener asks whether rotating through a long list of ETFs is really creating more diversification, or simply adding more versions of the same underlying investments. The big takeaway? Alternative investments can open the door to opportunities outside traditional shares and ETFs, but higher expected returns come with their own set of trade-offs. Liquidity, access, fees, transparency, diversification and manager quality all matter. Sometimes the most important question isn’t whether an investment is alternative, but whether you understand what you actually own and why it belongs in the portfolio. 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.

Investing mistakes are easy to spot after the fact. An inverse ETF that moved the wrong way, $12,000 sitting idle for years, a tax decision with expensive knock-on effects, or shares that went from $70,000 to $5,000. But trying to avoid every possible mistake can create a problem of its own. So which investing mistakes are worth worrying about, and which ones are simply part of learning? In this episode, Tash and Ana unpack five investing mistakes they see people make, along with a few of their own. They look at waiting until you feel ready, misunderstanding how an investment is structured, buying things you don't really understand, expecting investing to feel comfortable and wanting long-term returns far too quickly. In this episode we'll discuss: 📉 What happened after buying an inverse leveraged ETF during Covid, expecting markets to keep falling, only for the recovery to keep going. 💸 How $12,000 ended up sitting in a near-zero-return account for years, and why opportunity cost can hurt even when you haven't technically lost money. 🧾 How selling company shares in the wrong financial year had flow-on effects for tax, paid parental leave and childcare subsidies. 🚲 Why waiting until you feel completely ready to invest can leave you stuck, even after you've read the books and watched the videos. 🏦 The difference between investing through super, custodial platforms and CHESS-sponsored holdings, plus why trusts and SMSFs can create complexity of their own. 🎮 How experiences with GameStop, crypto, day trading or individual shares can convince someone that all investing is far riskier than it actually is. 📊 Why one company, one industry and one country carry a very different type of risk to a broadly diversified ETF, and why time horizon matters too. 😬 What it feels like to invest a large lump sum, watch the portfolio immediately go backwards and resist the urge to keep checking the app. ⏳ Why seven to ten years can feel very different from six months, and why dividends, market growth and the snowball effect rarely arrive on demand. The big takeaway? Investing mistakes don't all look like losing money. Sometimes it's waiting, misunderstanding the structure, taking more risk than you realised, or expecting a long-term investment to prove itself almost immediately. Making better decisions starts with understanding what you're doing, while accepting that some lessons only become obvious once you've actually started. 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.

Buying dinner from a stranger on Facebook Marketplace sounds questionable at first. But people already buy homemade cakes, market-stall food and meals from small operators. The harder question is whether peer-to-peer food can create new small businesses without the costs of a commercial kitchen and full hospitality setup. So when does a home-cooked side hustle become a real food business? In this episode, Tash and Emma unpack the rise of people selling cooked meals through Facebook Marketplace. They look at the appeal for home cooks, the economics of a tiny food business, and the awkward questions around licences, food safety and trust. In this episode we'll discuss: 🍛 Why people are selling everything from biryani and samosas to baked goods and bento boxes through Facebook Marketplace. 🧑‍🍳 How home cooks and former chefs can test a food business without paying the upfront cost of a restaurant or food truck. 🛒 Why buying food through a polished website can feel more legitimate, even when the meal may still come from somebody's home kitchen. 📍 Why peer-to-peer food could be especially appealing in places with fewer takeaway options, including more remote parts of Australia. 💸 Whether the numbers can work when Australian ingredient costs are high, and how making a few extra meals could change the economics. 🍱 What a $15 meal, a three-hour preorder and a rotating weekly menu reveal about how these tiny food businesses actually operate. 🧾 The awkward loop where becoming licensed may require a commercial kitchen, even when the whole point of the business is to start small. ⭐ How reviews, detailed listings and repeat customers can create trust, and where that trust may still fall short of formal food regulation. 🏪 What happens to local restaurants and takeaway shops if peer-to-peer food becomes easier to find through a major platform. The big takeaway? Peer-to-peer food sits somewhere between community cooking and commercial hospitality. The appeal is clear: lower startup costs, more local choice and a possible side income. The risks are real too, especially around food safety, trust and responsibility when something goes wrong. The episode does not completely settle that tension, which is what makes the idea so interesting. 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.

Super is easy to ignore because you might not touch it for decades. But in this episode, one simple 30-year example turns a small difference in net returns into almost $400,000. So how much attention does your super actually deserve while retirement still feels far away? In this episode, Tash and Jack unpack why super can feel boring, distant and wildly complicated, even though it can shape a huge part of retirement. They compare super with investing in your own name, then get into tax, first-home rules, investment choices, fees, SMSFs and some easy-to-miss admin. In this episode we'll discuss: 🧮 How their $100,000 example grows to roughly $1.15 million versus $760,000 over 30 years under two different net return assumptions. 🔓 Why Tash preferred investing in her own name as a sole trader, including taking $10,000 out of super during Covid and investing it herself. 🧾 The difference between salary sacrifice and topping up super yourself, including the notice of intent that can matter when claiming a tax deduction. 🏠 How the First Home Super Saver conversation quickly gets complicated, from contribution limits to what happens if you change your property plans. 📈 Why money locked away for decades raises a very different investment question from money you may need sooner. 🏦 Whether some large super funds are becoming increasingly index-like, and why Jack questions paying higher fees if a portfolio closely follows a benchmark. 💸 Why SMSFs can come with thousands of dollars in annual admin costs before you even get to the investments themselves. 🧓 The surprise around people reaching retirement age while still holding large balances in accumulation phase, and why the distinction between accumulation and pension matters. 🎰 A listener question involving $225,000 of NRL gambling winnings, gold, borrowing, trusts and a girlfriend they do not trust with the money. The big takeaway? Super can feel distant, inaccessible and full of rules, but those same features can make the details matter. The episode keeps returning to the trade-off between tax, access, fees, investment choices and flexibility. There is no single setup that suits everyone, but understanding what is happening inside your super can make the trade-offs much clearer. 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.

Comparing ETFs sounds simple until two funds own many of the same companies but differ on diversification, dividends, fees and admin. VTS and IVV both offer exposure to US shares. VAS and VHY both focus on Australia. But similar-looking ETFs can be trying to do very different jobs. So when two ETFs look almost the same, what actually matters? In this episode, Anna and Tash compare VTS with IVV, then VAS with VHY. They look at what each ETF actually holds, where the overlap sits, and why more companies or stronger recent returns do not automatically make one option a clear winner. In this episode we'll discuss: 🇺🇸 The difference between IVV's exposure to 500 large US companies and VTS's much broader slice of the US sharemarket. 🔍 Why owning thousands more companies may not change your exposure as much as you expect when the biggest businesses still dominate the fund. 💻 How concentration in America's largest tech companies shapes the diversification debate, especially as AI pushes some valuations higher. 📝 Why ETF domicile can mean extra admin, including the episode's discussion of W-8BEN forms and the difference between VTS and Australian-domiciled IVV. 💸 Why tiny fee differences can grab attention, even though holdings, structure and the role of the ETF may matter just as much. 🇦🇺 How VAS and VHY take different approaches to Australian shares, with one spreading across a broader market and the other focusing more on higher-dividend companies. 🏦 Why VHY's smaller group of holdings and heavier exposure to banks creates a different concentration trade-off from VAS. 💰 Why dividends can feel more rewarding when the cash lands in your account, and how income can become more relevant when thinking about FIRE, parental leave or time away from work. 📈 Why a strong recent run can make an ETF suddenly look more attractive, and how easy it is to start fiddling with a portfolio after seeing what has just performed well. The big takeaway? Two ETFs can look similar on the surface and still serve different purposes. The useful comparison is not just fees or past returns, but what the fund owns, how concentrated it is, what admin comes with it and what role you want it to play in your broader investing approach. 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.

Running a business can involve a surprising number of apps, subscriptions and systems. But do you actually need a huge tech stack to get started? Tash and Emma run through the tools they use across content, podcasts, admin, payments, email, client work and planning. They also explain which features they actually find useful, and why the fanciest option is not always the best one. In this episode: 💻 The tools Tash and Emma use to create social content, edit videos and build presentations 🎙️ How they record, host and manage podcasts, including the different tools they have tried along the way 📋 Why tools like Trello can help keep projects, partnerships, invoices and content moving without relying on your memory 📅 How shared calendars, booking tools and video calls help them manage growing teams and busy schedules 💳 The simple ways they use accounting and payment software to manage invoices, expenses and getting paid 📧 What they have learned from using different email and newsletter platforms, and why switching tools is not always worth the effort 🤖 How AI tools are starting to fit into their businesses, from research and writing support to meeting notes and client admin 🧠 Why you probably do not need the perfect app, platform or system before you start, especially when most tools can be changed later The big takeaway? Your business tech stack does not need to be fancy. Start with tools that solve the problems you actually have, then add or change things as the business grows. Spending months comparing software can easily become another way to avoid doing the work that matters. 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.

Ethical investing sounds simple until you actually look at what you own. A broad market ETF can give you exposure to tobacco, weapons and companies you might never choose individually. But an "ethical" fund can still hold businesses someone else would reject, charge a higher fee and draw its ethical line somewhere completely different. So where do you actually draw the line? In this episode, Jack and Tash unpack the uncomfortable overlap between money, values and investing. They look at why so-called sin stocks can be financially attractive, whether controversial companies can trade at a discount, how greenwashing complicates ethical labels, and why global supply chains can make even apparently positive investments difficult to judge. In this episode we'll discuss: 🚬 The extraordinary historical performance figures raised for tobacco, and what addiction, pricing power and brand loyalty can mean for a business. 🎰 Why gambling, alcohol, tobacco and defence companies can behave differently from the broader economy, and why the investment case doesn't automatically settle the ethical question. 📦 How broad market ETFs can quietly expose investors to businesses they might never choose to own directly. 💰 Why some unpopular or taboo companies may trade at a discount, including the episode's discussion of the so-called "Grindr discount". 🌱 Why an "ethical" label doesn't necessarily tell you whether a fund actually matches your personal values. 🧼 How greenwashing and marketing can make it harder to work out what an ethical investment is really screening in or out. 🌏 Why solar panels, cobalt, banks and global supply chains can make the ethical picture far more complicated than simply avoiding a handful of industries. ⛏️ Why mining can look very different depending on whether you're thinking about jobs, essential resources, environmental damage or corporate accountability. 🤔 Whether a perfectly ethical portfolio is realistic at all, or whether the more practical question is knowing what you own and deciding where your own line sits. The big takeaway? There may be no such thing as a perfectly ethical portfolio. What matters is understanding what you actually own, recognising the trade-offs involved, and deciding which issues matter enough to influence where you invest. 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.

What do you actually want from your money? It sounds like a simple question. But once you have spent years saving, investing and working towards a goal, the answer can get surprisingly complicated. In this episode, Tash and Ana get candid about the money decisions they are thinking through right now. From FIRE and business to family, career, travel and lifestyle creep, they unpack what happens when money gives you more options, but not necessarily more clarity. In this episode: 🔥 Why getting closer to FIRE can make you question whether you still want to sprint towards the finish line 💼 The pull between keeping a secure, flexible job and taking a bigger chance on your own business 👨‍👩‍👧 How kids, parental leave and unpaid care can change the way you think about work, time and financial independence ⏳ Why having the money to take a risk does not always make the decision easier 🎯 How goals like FIRE, follower counts or career milestones can become numbers you chase without stopping to ask what comes next 💸 Why Tash is thinking more carefully about spending as business income changes and responsibilities grow 📈 How lifestyle creep can quietly raise the bar on how much money feels like “enough” 🤝 Why shared financial goals can get more complicated when partners are at different stages of work and life 🌏 Why building wealth is not only about reaching a number, but also about creating more freedom to use your time well 🧠 Why even people who know the maths can still wrestle with fear, uncertainty and changing priorities The big takeaway? Money can give you more choices, but that does not mean the right choice becomes obvious. At some point, the question can shift from “How much more do I need?” to “What do I actually want this money to let me do?” Your goals can change as your life changes, and revisiting the plan can be part of the process. 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.

Networking can still bring up images of awkward events, name tags and forced small talk. But in modern business, it can look a lot more natural than that. Tash and Emma unpack how they have built useful relationships through social media, events and their wider business communities. They also explore why networking tends to work best when you focus on relationships first, rather than what you can get from someone. In this episode: 🤝 Why networking does not have to mean walking into a room full of strangers and handing out business cards 📱 How social media can help you build familiarity with people long before you ever meet them in person 🌱 Why strong business relationships can take years to turn into opportunities, partnerships or introductions 🪜 The difference between networking with people ahead of you, people at a similar stage and people earlier in their journey 👥 Why building relationships with your peers can sometimes be more useful than only trying to meet the biggest names in your industry 💬 How asking thoughtful questions and showing genuine curiosity can make conversations much easier and more memorable 🙋 Why specific questions tend to get better responses than broad requests like “How do I start?” 🧠 How avoiding networking can compound over time, and why showing up can make future opportunities and conversations easier The big takeaway? Good networking is less about collecting contacts and more about building genuine relationships over time. Be curious, be useful and stay connected. You may not know where a conversation will lead, but the relationships you build today can create opportunities years down the track. 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.

Index funds are often sold on one big idea: diversification. But owning hundreds of companies does not always mean your money is spread as evenly as you think. Tash and Jack take a closer look at what can sit underneath a seemingly simple ETF. They unpack concentration risk, overlapping funds and the point where a “passive” portfolio can start looking surprisingly active. In this episode: 📊 Why owning hundreds of companies does not automatically mean your portfolio is evenly diversified 💻 How a small group of large US companies can make up a sizeable part of a market-cap weighted index 🏦 Why Australian index funds can leave investors heavily exposed to banks and mining companies 🧩 How owning several ETFs can create overlap rather than adding meaningful diversification 🌏 Why a fund labelled “global” can still have a large exposure to the US market 🎯 How adding thematic, sector or specialised ETFs can turn a passive strategy into a form of active portfolio management 🔥 Why investors can be tempted to add an asset or sector after it has already had a strong run ⚖️ The arguments for passive and active investing, including the role active investors play in setting market prices 🗳️ What happens to shareholder voting power when large investment managers hold shares on behalf of millions of investors ⏳ Why Tash and Jack keep coming back to a long-term approach rather than trying to predict the next winning sector The big takeaway? An index fund can make investing much simpler, but “diversified” does not always mean evenly spread. It is worth understanding what you actually own, where your biggest exposures sit and whether adding another fund genuinely adds something new. Sometimes a simple portfolio can already be doing more than enough. 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.

Managing money is hard enough with a regular paycheque. But what happens when your income changes every month, you’re building businesses, and some acting gigs have to last you for months at a time? Tash and Ana chat with actor and creative Gina Drew about budgeting on a low and irregular income, combining finances with a partner, building emergency buffers, investing small amounts, and finding support when money gets tight. In this episode: 💸 How Gina manages money when her acting income can swing from a large one-off payment to very little for months 💸 Why she and her partner split shared expenses 60/40, and how they adjust things when their incomes change 💸 What it was like navigating a relationship where one person had debt and the other had always avoided credit cards 💸 Why talking openly about money helped Gina and her partner get on the same page with spending, debt and shared goals 💸 How Gina uses Self-Employment Assistance while building her own businesses, including acting, craft classes and a production company 💸 Why diversifying your income can matter just as much as diversifying your investments when you work in a creative field 💸 How Gina automates small amounts into super and investments, even when she can’t commit to the same dollar amount every month 💸 The backup plan she uses when money gets tight: find more work, grow business income, dip into her emergency fund, then look at government support if needed The big takeaway? You don’t need a perfectly predictable income to start building better money habits. Systems, backup plans and honest conversations can make a huge difference, even when your income changes from month to month. 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.