A will decides who gets your assets. A testamentary trust decides how they get them, and that difference can matter enormously for your kids, your blended family, and how much tax they pay. Ana sits down with estate planning lawyer Angie Treichel to unpack a tool most Australians have never heard of, plus why the post office will you've been meaning to fill out might not do what you think it does.

In this episode we'll discuss:

💸 What a testamentary trust actually is: a trust written into your will that stays dormant until you pass away, with a trustee managing assets for your beneficiaries instead of handing them over directly

💸 The blended family scenario nobody plans for: why a mirror will can quietly cut your kids out years down the track, and how life insurance directed into a trust can keep everyone protected

💸 The tax angle: minor beneficiaries accessing adult tax rates and up to $22,000 per child per year tax free, versus penalty rates above $416 in a regular family trust

💸 Asset protection, including protecting beneficiaries from a messy divorce, and sometimes from themselves

💸 Why the post office or DIY will can miss your biggest asset entirely (joint tenancy, super and binding death benefit nominations all sit outside your will)

💸 The recent budget scare: proposed changes that Angie says would have taxed orphans and widows, and the backflip that followed

💸 What it costs (roughly $3,000 to $10,000), the net worth where it starts making sense (~$500,000), and why Angie reckons the average couple is closer to that number than they think

💸 The Letter of Wishes: funeral songs, the photos your partner is allowed to use, subscriptions to cancel, and every login your executor will otherwise spend unpaid hours hunting down

Nobody enjoys this conversation, but as Angie puts it, a will never benefits you. It benefits the people left behind, who deserve the space to grieve without a legal mess to untangle. If you take one thing from this episode, book the chat with your partner or your parents this week.

@angie_ajtlegal

https://www.ajtlegal.com.au/

Free Estate Plan Ebook - AJT Legal

Free Testamentary Trust Ebook - AJT Legal

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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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.

Most of us only think about the economy when something's gone wrong, and according to economist Evan Lucas, that's by design. In part one of a four-part series, Ana sits down with the author of Mind Over Money to go right back to first principles: what an economy actually is, how we measure it, and why the whole thing behaves more like a circle than a straight line. No jargon, no judgement, just the questions you'd never ask at a dinner party.

In this episode we'll discuss:

💸 What an economy is actually for, and the "Goldilocks" conditions (2 to 3% growth, ~2% inflation, a neutral cash rate) that almost never all show up at once

💸 GDP broken into its four parts, and why household consumption makes up 60 to 70% of it in countries like Australia

💸 Supply and demand explained through Wiggles tickets and Nvidia chips, plus what happens when demand outruns supply by a mile

💸 Stagflation: what went wrong in the 1970s oil crisis, and whether there's an argument we're seeing shades of it now

💸 Why GDP data arrives 65 days late, and the forward indicators (job ads, spending data, consumer confidence) that tell you what's happening right now

💸 The Aussie farmers who stockpiled diesel on an expectation, and how that one behavioural choice moved real prices

💸 Homo economicus and why Evan reckons the useful distinction isn't rational versus irrational, it's rational versus reasonable

Economics gets treated as maths and graphs, but most of it comes down to how people feel and what they do next. Evan's one-sentence definition: it's the study of how to better society, and the catch is that doesn't always translate to the individual. Stay tuned for parts two, three and four.

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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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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 happens to your emergency fund once you've actually built some wealth? Following straight on from their emergency funds 101 episode, Tash and Ana tackle the advanced version: offsets, debt recycling, business structures, and whether you even need a cash buffer once your portfolio could catch you. If part one was about building the safety net, this one is about rethinking it once the net is bigger than the fall. (New to emergency funds? Go listen to part one first.)

In this episode we'll discuss:

💸 Where your emergency fund lives when your whole home loan is debt recycled: Ana's spreadsheet session with her partner, and why the answer might be an offset that "kind of defeats the purpose"

💸 Tash's confession: no personal emergency fund at all — how roughly $220,000 sitting in her businesses works as a backstop, and the tax trade-off of paying yourself out only when you need it

💸 Fully offset mortgage? That IS your emergency fund — why neither host would keep a separate cash pile on top of a million dollars in the offset

💸 The 55-day credit card strategy: bridging emergencies with interest-free periods and paying it off with dividends or rent (an advanced, "it hurts my soul to say this" play with plenty of disclaimers)

💸 Renting while heavily invested: rent rises, the moving buffer you always need, and whether selling shares in a 20% downturn is really as bad as it feels

💸 Finding your "sleep at night number" — why the right buffer at this stage is as much emotional as mathematical

The further along you get, the less the three-to-six-months rule matters and the more your structures, cash flow and risk tolerance take over. Mistakes hurt less as things snowball — but leverage cuts both ways, so run your own numbers and know your worst case. Consider this episode your permission slip to think about it out loud.

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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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.

Emergency funds might not be the most thrilling topic in personal finance, but they're the foundation everything else sits on. In this first of two back-to-back episodes, Tash and Ana cover the 101: what actually counts as an emergency, how much you need, and where to keep it. Whether you're starting with your first $1,000 or wondering if your buffer is big enough, this is the place to start. (Already sorted? The part 2 drops on Thursday.)

In this episode we'll discuss:

💸 What counts as an emergency (job loss, car repairs, vet bills, last-minute flights home) and what definitely doesn't (Christmas comes every year — plan for it)

💸 The maths of skipping the buffer: why a $3,000 car repair on a 20% credit card can undo an investment returning 7%, and how bad expenses love arriving all at once

💸 How to calculate your number: add up essential monthly expenses and multiply by three to six — a worked example where $3,500 a month means a fund of $10,500 to $21,000

💸 When to lean towards three months (stable job, no dependents, family to fall back on) versus six or more (sole income earner, self-employed with lumpy income, kids, or planned parental leave)

💸 Where to keep it: high interest savings or your offset — not term deposits, not shares, and watch out for honeymoon rates and hoop-jumping bonus interest conditions

💸 Tash's $20K "I just like the look of it" approach versus Ana's full year of expenses, and why the emotional side of the number matters as much as the maths

An emergency fund isn't optional, but it doesn't have to be overwhelming either — start with $1,000 and build from there. And if you have to dip into it? That's literally what it's for. Use it, feel zero guilt, and top it back up.

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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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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're heading into your 40s (or already there) and worried you've missed the investing boat, this one's for you. Following their episodes on investing in your 20s and 30s, Tash and Ana tackle the decade where compounding starts pulling its weight, but mortgages, kids, ageing parents and lifestyle creep are all fighting for the same dollar. Ahead, behind or starting from scratch, it's not too late.

In this episode we'll discuss:

💸 The maths of starting at 40: how $1,400 a month at a 7% return (not guaranteed) could make you a millionaire by 65, and why smaller amounts still count

💸 A timely scam warning: the fake accounts and WhatsApp groups impersonating Tash, how to spot an imposter, and what to do if you've been caught

💸 Why your 40s call for a more serious setup: super contributions to reduce taxable income, carry forward rules, insurances, and when a financial adviser's fee starts being worth it

💸 The $100,000 deck conversation: Ana's framework for lifestyle creep ("if someone gifted you the money, would you actually spend it on this?")

💸 Why feeling behind is the worst reason to take on more risk, and the Princeton research linking financial stress to a 13-point IQ drop

💸 Protecting what you're building: wills, executors, logins and the "death binder" that spares your family a scramble at the hardest possible time

Your 40s are often the decade where the habits and decisions of the past 20 years start showing up in your net worth. Wherever you're at, the goal stays the same: build a portfolio that gives future you more choices. That might just start with this episode.

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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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.

FIRE (financial independence, retire early) made a lot more sense when houses were cheaper and the tax rules stayed put. So is it still a realistic goal for Australians in 2026? Tash and Ana take an honest look at the movement, from the maths behind it to the proposed budget changes that have the FIRE community redoing their spreadsheets.

In this episode we'll discuss:

💸 What FIRE actually is: the 25 times expenses rule, the 4% rule, and where those numbers come from

💸 Ana's controversial take on who FIRE is (and isn't) realistic for

💸 The bloke living at a skydiving drop zone saving 80% of his income, and what it says about the non-traditional path

💸 The beginner steps: finding your FIRE number, tracking your spending, and the buffers most people forget

💸 How Lisa, a 38 year old freelancer, swapped full FIRE for Coast FIRE and "work optional at 50"

💸 Why the proposed 30% minimum tax on capital gains has households like Ana's rethinking high growth versus high dividends

None of the budget changes are locked in yet, and nobody can promise what markets, housing or tax rules will do next. But whether you're chasing full FIRE, easing towards Coast FIRE, or just want the option to work less one day, this one's worth a listen.

Happy EOFY from pearler! Sign up in July using the code GETRICHSLOW for 12 months worth of free trades 💸

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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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.

AI is being pushed into every workplace, layoffs are in the news weekly, and offshoring is easier than it's ever been. So is your 9-5 actually safe? Tash and Ana take an honest look at job security in 2026, and more importantly, how to set yourself up so a redundancy email is an inconvenience rather than a crisis.

In this episode we'll discuss:

💸 Why Ana's answer is a flat "no": engineers building the tech that could replace them, and the what-if conversations happening in her household

💸 The risk that gets less airtime than AI: offshoring, and Tash's honest take after making her first offshore hire

💸 Why neither host is panicking: healthcare fallbacks, trust in a personal brand, and income streams that don't share a single point of failure

💸 The dystopian investor moment: when layoffs at the companies you own push your portfolio up

💸 Practical safeguards: building side income before you need it, staying on a casual employer's books, and the case for two part-time jobs

💸 The graph showing which occupations AI is hitting hardest, which ones are barely touched, and why arts and media hurts to look at

No job has ever been completely safe, and nobody can promise what AI, the economy or the job market will do next. But whether your industry sits at the top of the exposure chart or barely rates a mention, this episode is about giving yourself more levers to pull. Worth a listen before you need it.

Happy EOFY from pearler! Sign up in July using the code GETRICHSLOW for 12 months worth of free trades 💸

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@tashinvests

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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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.

A 33 year old defence worker with a $1.1 million net worth, $365k in super, and $5,000 a fortnight going into investments. All on a $125k salary. The comment section had one big question: how? Tash and Ana crack open this Finance File, walk through the numbers line by line, and take on the debates it sparked. In this episode we'll discuss:

💸 Where the $5k a fortnight actually goes, from S&P 500 ETFs to salary sacrificing hard into super

💸 What catch-up concessional contributions are, and why this person is using five years' worth before starting a family

💸 How a 33 year old ends up with $365k in super (spoiler: defence super plays by different rules)

💸 The $175,000 townhouse that turned into a total money pit, and the lesson it left behind

💸 The great net worth debate: what counts, what doesn't, and whether your car belongs in there

💸 Whether $100 a month of fun money is rough, or proof you don't need cash to have a good time

Finance Files are a window into how other people actually do money, not a scoreboard. This one's a good reminder that the right industry can quietly supercharge your super, a windfall goes further with a plan, and someone else's numbers never tell the whole story. If you've ever seen a stranger's finances online and thought "that can't be right", this one's worth a listen.

Happy EOFY from pearler! Sign up in July using the code GETRICHSLOW for 12 months worth of free trades 💸

And for existing customers, sign up to a new pearler product and you'll get 12 months worth of free trades too! 💸

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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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.

The federal budget keeps changing, and this time it's SMSFs and trusts feeling the impact. Tash and Ana break down two surprise updates: a ban on SMSFs borrowing to buy residential property, and a new minimum tax on discretionary trusts that had the estate planning world in a spin.

In this episode we'll discuss:

💸 What an SMSF actually is, and how it differs from a regular super fund

💸 What an LRBA is and how people were using it to buy property inside their super

💸 Why this ban wasn't even in the original budget, and why that's got people a little salty

💸 What a testamentary trust is and why it's not just a "rich person" strategy

💸 How the new 30% trust tax almost caught testamentary trusts in the crossfire, and what's changed since

💸 Whether this could spark a rush of people trying to buy property in their super before the deadline hits

Some of this is locked in law, some is still just a proposal, and there are still a few grey areas nobody's been able to answer yet. If you've got a will, a super fund, or you're just trying to keep up, this one's worth a listen.

Happy EOFY from pearler! Sign up in July using the code GETRICHSLOW for 12 months worth of free trades 💸

And for existing customers, sign up to a new pearler product and you'll get 12 months worth of free trades too! 💸

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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.

"Is it too late to start investing in your 30s?" We get this question a lot. Your income typically goes up in your 30s. But so does everything else. Mortgages, kids, ageing parents, a lifestyle that somehow keeps pace with the payrise. In this episode, Tash and Ana unpack what investing actually looks like once life gets more complicated, and why this decade might need to be one of your most intentional.

In this episode, we'll discuss:

💸 Why your 30s are usually your highest saving decade

💸 The property vs shares debate, and why it might be the wrong question

💸 How much attention your super actually deserves right now

💸 Lifestyle creep, automation, and making the most of a bigger income

💸 Protecting what you've built with insurance, emergency funds, and estate planning

💸 Staying invested through the chaos of kids, career changes, and everything in between

Happy EOFY from pearler! Sign up in July using the code GETRICHSLOW for 12 months worth of free trades 💸

And for existing customers, sign up to a new pearler product and you'll get 12 months worth of free trades too! 💸

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.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

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.