About this episode
In this Australian Finance Podcast episode, your hosts Gemma Mitchell and Leigh Gant answer your weekly money and life questions. They cover:
– Whether superannuation is really a “gamble” and what happened during past crashes
– What the new Super Payday rules mean for when your employer pays your super
– What to consider when your fixed home loan rate rolls off
– Whether interest-only loans are smart strategy or short-term relief
– How to define (and stick to) your ‘enough’ number for stepping back from full-time work
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Topics Covered
– Is superannuation a gamble or long-term investment system?
– What happened during past market crashes (and why balances fell)
– Risk, time horizon & asset allocation inside super
– What is “Super Payday” and when must employers pay contributions?
– Why clearing times can differ between payroll systems and super funds
– Fixed vs variable rates: what to consider when your rate rolls off
– Are people fixing again in a rising-rate environment?
– Interest-only loans explained (cash flow vs long-term cost)
– When interest-only strategies may make sense
– The psychology of “enough” and shifting financial goalposts
– Lifestyle design vs chasing a bigger number
You will learn about:
- How superannuation works (risk, returns & market cycles)
- Understanding market crashes and long-term investing
- What is Super Payday? (employer contribution timing changes)
- Fixed vs variable home loans explained
- Interest-only vs principal & interest loans
- How to calculate your ‘enough’ number for financial independence
Resources for this episode
Book recommendations:
Enough: True Measures of Money, Business, and Life
You’ve Got Money… Now What? | Book Extras
Buy Gemma’s book “The Money Reset”
Ask a question (select the Finance podcast)
Show partner resources
Join Pearler using code “RASK” f
