Are car leases worth it? Budgeting for freelancers & how Owen saved $10,000 on an engagement ring [Part 11 of 11]

Feb 6, 2025

Navigating budgeting can be tricky for freelancers with irregular incomes. Discover personalized approaches to financial management tailored for variable earnings. Learn how Owen saved thousands on an engagement ring through smart shopping and ethical choices. Explore the complexities of budgeting as a couple, focusing on transparent communication and adapting strategies to fit unique situations. Plus, insights into the pros and cons of car leasing will help you make informed financial decisions.

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Intro

00:00 • 4min

Cascading Budgeting for Freelancers: Managing Variable Income

03:54 • 3min

Smart Financial Solutions for Sole Traders and Engagement Ring Savings

06:27 • 4min

Engagement Rings: A Personal and Budget-Friendly Journey

10:32 • 5min

Smart Budgeting for Couples

15:24 • 10min

Navigating Retirement Planning and Superannuation Choices

25:51 • 2min

Navigating Superannuation and Financial Conversations

28:12 • 15min

Investing Wisely: Research and Opportunities in ETFs

42:50 • 9min

On this Australian Finance Podcast, Rask's Head of Advice Gemma Mitchell and Chief Investment Officer Owen Rask dive into part 11 of 11 of our 2025 summer series, covering all of your questions and answers (Q&A).

In our summer series episodes for 2025, you will find:

20-25 minutes of essential finance concepts
An explainer of where to get help and who to work with
A link to Gemma & Owen's full PDF workbook
5-minute rapid overview of 1 Betashares ETF, our summer series show partner (always read the PDS & TMD before investing in any ETF)

Today's topics covered:

How do I budget if my income isn't regular?
My partner and I have different money habits?
Owen says don't add extra to Super if I'm under 45 - is it risky?
In 2024, Owen mentioned saving thousands on an engagement ring? How?
Are car leases worth it?
How can I convince my dad to see an adviser?

~~ Resources ~~

Summer Series PDF workbook
View the Betashares funds
Get advice from Rask
ASK A QUESTION FOR NEXT WEEK: https://bit.ly/R-quest
View the Betashares funds
Hnry.com.au - for sole traders & tax
The diamond website Owen used - https://www.jogiadiamonds.com.au/

This podcast is sponsored by Betashares, official sponsor of The Australian Finance Podcast in 2025 and supporter of our Summer Series. Show your support for Betashares by checking out their range of funds and ETFs: https://bit.ly/beta-25

~~ 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

~~ Rask Resources ~~

Invest with Owen: https://bit.ly/R-services

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

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

#property #superannuation

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