In this Friday episode of The Australian Finance Podcast, Gemma Mitchell and Owen Rask unpack your questions on investing, super, HECS and even a Christmas dilemma. This week we look at how to build a simple investment profile when you’re 58 and deciding between ETFs in super or outside of it, how paid parental leave really works in 2026, and what to do when your HECS balance never seems to budge.
We also cover how to help a level headed 16 year old get started with investing, plus a common holiday question many families face. Do you stick to the Secret Santa limit, or match everyone else who’s blowing the budget?
This episode also includes quick updates on HECS indexation changes, the Bureau of Meteorology blowout, and what it means for your hip pocket.

Owen and Gemma cover:
- How to compare investing inside super versus a direct ETF portfolio when you’re 58, earning well and contributing regularly
- Why non concessional contributions can be powerful in your late 50s, and the key rules to understand
- How employer paid parental leave works alongside the government scheme, how long each runs for, and how to apply
- When HECS repayments start, why your balance might not be falling, and whether paying extra makes sense
- How to teach teens the basics of investing, the best beginner podcasts, and easy ways to start with $15k
- Whether you should stick to the Secret Santa limit or spend more, and how to set boundaries without killing the vibe
- Updates on HECS balances, indexation, the BOM budget blowout and what it means for everyday Australians

If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link in the show notes.

Resources for this episode
<a href="https://www.rask.com.au/insights/%20">Sign up for the newsletter</a>
<a href="https://www.rask.com.au/landing/etfs-checkout/?level=5">Sign up for Rask Core</a>
<a href="https://amzn.to/42Uz0aK">Buy Gemma’s book “The Money Reset”</a>
<a href="https://bit.ly/R-quest">Ask a question (select the Finance podcast)</a>

Show partner resources
<a href="https://bit.ly/Pearler">Join Pearler using code “RASK” for $15 of Pearler Credit</a>
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<a href="https://bit.ly/beta-25">View Betashares range of funds</a>

Rask resources
<a href="https://bit.ly/R-services">All services</a>
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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): <a href="https://www.rask.com.au/fsg">https://www.rask.com.au/fsg</a> Learn more about your ad choices. Visit <a href="https://megaphone.fm/adchoices">megaphone.fm/adchoices</a>

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Super, parental leave pitfalls and teaching teens to invest – Q&A

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