Summer Series Part 5: Debt: Using it, managing it, and repaying it
Australian Finance Podcast
Are buy now, pay later loans bad?
Gemma outlines BNPL regulation changes, behavioural spending risks, and credit impacts of defaults.
Welcome to The Australian Finance Podcast Summer Series — your ultimate kick-start to the new year!
Across 10 bite-sized episodes, hosts Owen Rask and Gemma Mitchell help you reset your money mindset, build solid financial foundations, and make 2026 your best money year yet.
Plus — they’re putting their own tips to the test with the “Finders Keepers Challenge”, tracking how they each plan to find, save, or earn $10,000 by the end of 2026. Who will come out on top? Follow along and join the challenge yourself.
In this episode, we cover:
- Why debt isn't the enemy
- How to use debt as a tool
- Types of debts - trips and traps
- Good vs Bad vs Ugly debts
- Debt repayment strategies
- Plus how Owen and Gemma manage their debts.
If you want to build confidence with your money, simplify your finances, and get ahead before 2026, this series is for you.
Resources for this episode
Moneysmart https://moneysmart.gov.au/loans
Debt course- FREE rask course :https://education.rask.com.au/courses/debt-course/
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
Get 50% off your first two months using PocketSmith
View Betashares range of funds
Rask resources
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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