In this Friday episode of the Australian Finance Podcast, your hosts Owen Rask and Gemma Mitchell are back for your weekly Q&A.

From using your super to buy your first property, to whether you really need a financial adviser once you’ve already nailed your money, this episode dives into your questions!

We cover off in this episode:

- Can you use the First Home Super Saver Scheme (FHSSS) for an investment property?

- What’s the real purpose of defensive assets when you’re investing long-term?

- Do you count your emergency fund as part of your defensive allocation?

- The difference between accountants, money coaches, financial advisers and planners, and when to use each one

- How to know when paying for advice is actually worth it

- And should you DIY insurance?

- Plus Owen chats about his struggle with using credit card award points.

Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts – and send in your questions via the link below.

Resources for this episode

Insurance: https://www.raskmedia.com.au/services/life-insurance/

Rask property course: https://education.rask.com.au/courses/free-property-course/

First Home Super Saver info from Pearler- https://pearler.com/fhss

Buy Gemma’s book The Money Reset- https://amzn.to/42Uz0aK

Ask a question (select the Finance podcast): https://bit.ly/R-quest

Show partner resources

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds:  https://bit.ly/beta-25

Rask resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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**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

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