Money coaching vs financial advice: The 5-step framework to fix your finances

Money coaching vs financial advice: The 5-step framework to fix your finances

Author: Rask May 25, 2026 Duration: 41:28
In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell dive into money coaching, financial advice, and the simple 5-step framework anyone can use to take control of their finances. They cover: – The difference between education, coaching, and financial advice – Why most people aren’t as “bad with money” as they think – Real-life insights from working with Christian Hull – How mindset, behaviour, and systems shape your financial success If you like this Australian Finance Podcast episode on money coaching and financial clarity, you'll love our 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 – What is the difference between podcasts, money coaching & financial advice? – Education vs action vs strategy: what actually drives change – Inside money coaching: what a session really looks like – Case study: Christian Hull’s money journey – Why high income doesn’t equal confidence with money – The role of mindset, behaviour & organisation in financial success – Common money beliefs: “I’m bad with numbers” & control vs clarity – Quick wins in coaching: simple changes that make a big impact – Building systems: accounts, habits & routines that support success – When to introduce tools like PocketSmith – Identifying spending problem areas without tracking everything – Connecting goals, cash flow & long-term planning Episode resources – Download your workbook here – Buy Gemma’s book “The Money Reset” – Speak with the Rask Advice team – 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 – 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

Navigating the financial landscape can feel overwhelming, but Australian Finance Podcast cuts through the noise with grounded, practical advice tailored for life in Australia. Hosted by Owen Rask, the Chief Investment Officer, and Gemma Mitchell, a Senior Financial Adviser, conversations on this podcast feel less like a lecture and more like a direct chat with experts who genuinely want you to succeed. Each episode is built around actionable strategies-whether it's about restructuring debt, understanding investment vehicles, or tax efficiency-that you can apply immediately, not just abstract theories. The focus is on building the confidence to make informed decisions with your money, aiming for a future where your finances support the life you want to live, rather than dictating it. For those just beginning their journey, the hosts suggest diving into their foundational "Starter Pack" series to build a solid base of knowledge. This isn't about get-rich-quick schemes; it's a steady, educational companion for developing lasting financial health. Tune in for a straightforward blend of market insights, personal finance management, and long-term wealth-building principles, all delivered with a clear Australian context. The Australian Finance Podcast from Rask is that reliable resource for turning financial complexity into manageable, actionable steps.
Author: Language: English Episodes: 50

Australian Finance Podcast
Podcast Episodes
Rewind: should you boost super, pay off debt or save for a home? [not-audio_url] [/not-audio_url]

Duration: 35:13
This is a special rewind episode of the Australian Finance Podcast, bringing back one of our favourite Q&A conversations because the questions are still incredibly relevant today. In this episode, Owen Rask and Gemma Mit…
How to build money goals that actually stick, with Hayden Smith [not-audio_url] [/not-audio_url]

Duration: 33:30
In this Australian Finance Podcast episode, Owen Rask sits down with Hayden Smith from Pearler to unpack why so many money goals fall over before they ever become real habits. Rather than setting huge targets that feel i…
How to buy your first property in Australia, with Glen James [not-audio_url] [/not-audio_url]

Duration: 53:36
In this Australian Finance Podcast episode, Owen Rask sits down with Glen James to talk about buying your first property in Australia when the market feels tougher than ever. Glen explains why so many buyers feel stuck,…
VanEck’s GOAT ETF: how AI is changing ETF investing, with James Gil [not-audio_url] [/not-audio_url]

Duration: 36:40
In this Australian Finance Podcast episode, Owen Rask sits down with James Gil, Head of Product at VanEck, to unpack the relaunch of GOAT and why it matters for ETF investors. Rather than simply buying “AI stocks”, GOAT…
Six things we've learnt about money with Pearler's Hayden Smith [not-audio_url] [/not-audio_url]

Duration: 45:16
In this episode of Australian Finance Podcast, Owen Rask sits down with Hayden Smith from Pearler to compare the money lessons they wish they had understood much earlier. What starts as a conversation about investing qui…
Div 293, first-home rules and the SMSF property crackdown [not-audio_url] [/not-audio_url]

Duration: 50:23
In this episode of Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack a grab bag of money questions that hit a lot of Australians at exactly the wrong time: when tax, super and property rules all seem to be…
Should you DIY your super? Hayden Smith answers the big questions [not-audio_url] [/not-audio_url]

Duration: 47:42
Australian Finance Podcast host Owen Rask sits down with Hayden Smith from Pearler to answer one of the biggest questions investors ask once they get serious about money: should you take more control of your super, or le…
An AI masterclass with Hayden Smith from Pearler [not-audio_url] [/not-audio_url]

Duration: 52:29
In this Australian Investors Podcast episode, Owen Rask sits down with Hayden Smith, CTO at Pearler, for a practical masterclass on what AI actually is, why it matters for investors, and where the real money may be made…