In this Friday episode of The Australian Finance Podcast, hosts Owen Rask and Gemma Mitchell unpack your questions on super, property and how to juggle big money decisions at different life stages. This week we look at what retirement can actually look like in your 50s, whether it’s worth pausing salary sacrifice to focus on a new home loan, how debt recycling really works, and what to do if you have a deposit saved but no stable job yet.
Owen and Gemma cover:
– How retirement works when you’re mid 50s, divorced and rebuilding, and what actually happens to your super
– Whether stopping pre-tax super contributions to pay down a 620k home build is a smart trade-off or a backwards step
– What debt recycling is, how equity can be used for a second investment property, and the common traps to avoid
– What to do with deposit savings when you don’t yet have an income to support a mortgage
– How to think about investing when you have a shorter life expectancy and want to use your wealth earlier
– Shares vs property and which one we favour right now based on long term patterns, not headlines
– What needs to change in the finance industry to make advice more accessible and more useful
Plus, we still need your help. Our goal is to get Owen over the line to write a book, and your support matters. Jump on our newsletter and help us get there.

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 below.
Resources for this episode
<a href="https://www.rask.com.au/insights/%E2%81%A0%C2%A0">Sign up for the newsletter </a>
<a href="https://www.rask.com.au/landing/etfs-checkout/?level=5%E2%81%A0">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
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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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Property or shares: Which wins? Mid-life super worries and investing traps – Q&A

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