How to stop being a hot money mess: Using data to fix your finances

In this episode of The Australian Finance Podcast, your hosts Owen Rask and Gemma Mitchell are joined by money systems expert Andrew Fisher for Episode 3 of the Christian Hull Hot Money Mess series. After unpacking Christian’s money story and coaching framework, this episode dives into the power of data and why understanding your numbers can completely change how you feel about money. Because whether you feel like a total money mess or think you’ve got things mostly sorted, confidence with money starts by understanding what’s actually happening behind the scenes. They cover: – Why data helps turn money goals into momentum – Christian Hull’s $2 million tiny home goal and how to track it – Why spreadsheets aren’t for everyone (and what works instead) – The power of monthly money check-ins – Why net worth matters more than your bank balance – How seeing the full picture changes behaviour – Using financial dashboards to stay motivated and on track – How to model big life decisions before they happen – Why “can I afford it?” is the wrong question to ask – Finding hidden spending leaks without tracking every dollar forever – How better spending categories can reveal surprising habits – The simple systems that make managing money easier Download your workbook here If you like this Australian Finance Podcast episode on money systems, spending habits and building financial confidence, you’ll love the full Hot Money Mess series. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more investing insights. Topics Covered – Recap: Christian Hull’s Hot Money Mess journey so far – Meet Andrew Fisher: money systems, behaviour and financial data – Christian’s $2 million tiny home goal and building a money dashboard around real outcomes – Why visual tracking makes big goals feel real and achievable – Monthly money check-ins: the habit that matters most – Why motivation disappears when progress feels invisible – Net worth tracking: why it matters (even if you don’t feel wealthy) – Seeing the full financial picture, not just fragments – How dashboards can shift behaviour and reduce money stress – Modelling major life decisions before they happen – Why loan approval doesn’t always equal affordability – Forecasting cash flow and stress-testing decisions – Spending leaks: the hidden categories quietly costing you money – Why categories tell stories about your habits – How better budgeting categories lead to better decisions – Practical ways to track problem spending without overwhelm Episode resources – Buy Gemma’s book “The Money Reset” – Speak with the Rask Advice team – Ask a question (select the Finance podcast) Show partner resources – View Betashares range of funds – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Get 50% off your first two months using PocketSmith Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! 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 Learn more about your ad choices. Visit megaphone.fm/adchoices