Rewind: should you boost super, pay off debt or save for a home?

Rewind: should you boost super, pay off debt or save for a home?

Author: Rask August 14, 2026 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 Mitchell work through practical money decisions that many Australians wrestle with: whether extra cash should go into super or against the mortgage, what to do when you’ve saved a first-home deposit but life changes stall the next step, and how to think about retirement when you’re worried you’re behind. They also unpack why discipline matters when comparing super with debt reduction, how to weigh flexibility against tax benefits, and what to consider if you’re building wealth outside super before preservation age. There’s also a thoughtful discussion about defined benefit schemes, planning for uncertainty, and why a simple, steady plan can matter more than chasing the perfect answer. If you’ve ever wondered whether to boost super, hold cash, invest, or rethink the timing of a big financial move, this rewind is full of grounded, plain-English insights. It’s a great one to revisit if you’re trying to make smarter decisions with your next dollar. 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 VanEck's range of funds – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Get 50% off your first two months using PocketSmith – Whatever comes next for your business, power it with Stripe 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
What happens to Super when you retire? [not-audio_url] [/not-audio_url]

Duration: 1:05:26
What actually happens to your super when you retire? Try our free wealth checker tool Get financial advice It sounds like there should be a giant red button that says “retirement mode” — but, as usual with super, it’s a…
AI bubble or real boom? What investors should watch [not-audio_url] [/not-audio_url]

Duration: 1:03:33
Is AI in a bubble, or are today’s soaring share prices backed by real business growth? In this episode of the Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack what an investment bubble actually is and why…
Sounds like good money advice... But is it? [not-audio_url] [/not-audio_url]

Duration: 59:22
Are you a wage slave? Do you WORK for money? (yawn) Do you also think Crypto is an investment? Is your investment strategy "buy low, sell high"? In this live weekly Q&A episode of The Australian Finance Podcast, Owen Ras…
How to boost your super by $100,000 [not-audio_url] [/not-audio_url]

Duration: 1:06:27
In this special Pearler x Rask live episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell break down the practical strategies that could help you grow your super by an extra $100,000 over your working l…
How to invest $500 in Australia (step-by-step) [not-audio_url] [/not-audio_url]

Duration: 54:27
If you had $500 to invest in Australia every month, where would you actually put it? Join Rask's new platform In this live weekly Q&A episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell break down the…
10 ways to access your super [not-audio_url] [/not-audio_url]

Duration: 30:12
In this episode of Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack 10 legitimate ways Australians can access their super and why the rules matter more than most people realise. From the two most common pa…