Money in your 20s: investing, super and first-home tips

What should you focus on in your 20s when money feels tight and life is moving quickly? In this episode of the Australian Finance Podcast, Owen is joined by Emily from the Rask design team to talk through the financial decisions that can shape your 20s for years to come. They cover where to start with investing, whether you should save cash before buying ETFs, how super works when you move to Australia, and what younger Australians can do when saving for a first home feels out of reach. Emily also shares what she learned after moving from New Zealand to Melbourne, building savings for a big life change, and starting to take investing seriously for the first time. The conversation also explores the social side of money, including what to do when your friends earn more, spend more and make you feel like you are falling behind. You will hear practical ideas around budgeting, saving for a deposit, using super more intentionally and making financial progress without feeling like you have already fallen behind or missed your chance to get started. If you want practical, grounded money advice without the fluff, this episode is a great place to start. Chapters: 00:00 Intro & Guest Welcome 02:09 Emily's Background 04:41 Moving to Melbourne 07:48 Sponsors 08:49 Save or Invest First? 13:03 Best Investing Platforms 16:19 Moving Overseas Financially 22:01 Pre-Move Money Tips 24:57 Super in Your Twenties 30:11 Choosing a Super Fund 35:01 Saving for a House Deposit 40:32 Scheme Stacking Tips 44:49 Keeping Up With Friends 50:05 Spending on Feelings 53:07 Wrap Up Resources for this episode - Buy Gemma’s book “The Money Reset”: https://amzn.to/42Uz0aK - Speak with the Rask Advice team: https://rask.au/advice - 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: https://bit.ly/Pearler - Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith - View Betashares range of funds: https://bit.ly/beta-25 Rask resources - 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 - We love feedback! https://raskau.typeform.com/to/ZbfHy6IP Follow us on social media: - Instagram: https://www.instagram.com/rask.invest - TikTok: https://www.tiktok.com/@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