In this episode of The Australian Finance Podcast, your hosts Owen Rask and Gemma Mitchell move from money mindset to money momentum in Episode 4 of the Christian Hull Hot Money Mess series.

After unpacking Christian’s money story, coaching framework and financial dashboards, this episode focuses on what actually helps you make progress toward big goals.

They cover:

– How to invest if your timeframe is 5 years or less

– Investing vs paying down debt: what matters most?

– Christian Hull’s $2 million tiny home goal and possible pathways to get there

– How high-income earners think about wealth building

– How to work out how much wealth you actually need

– Why net wealth and investable assets are different

– The levers that help bridge the gap between where you are and where you want to be

– The role of super, property, investment bonds and debt in long-term wealth building

– What financial planning steps still matter, including insurance and estate planning

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Topics Covered

– Recap: Christian Hull’s Hot Money Mess journey so far

– From goals to momentum: how to actually build traction with money

– Christian’s $2 million tiny home goal: where do you even start?

– Investing when your timeframe is only 5 years or less

– Investment options: offset account, investing, investment bonds and trade-offs

– Investing vs paying down debt: what should come first?

– Understanding new debt and property strategy decisions

– Does negative gearing still matter for future property plans?

– How much money do you actually need to retire or feel financially secure?

– Does the 4% rule still work? What about 5%?

– Net wealth vs investable wealth: why the difference matters

– Bridging the gap between goals and reality using practical financial levers

– Christian’s wealth-building mix: super, investment bonds and property

– Insurance reviews and estate planning: the financial jobs people forget

– Tools to support better money decisions, including Wealth Checker, Super Checker and financial modelling

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

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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

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