269. Values vs Value: When is Lifestyle Creep Worth It?

This week, Tash sits down with Emma from 'The Broke Generation' to get honest about how spending quietly shifts as income grows. From Ubers replacing public transport to $120 moisturisers feeling somehow reasonable, they unpack the small decisions that add up faster than most people realise.

👉🏼 Why big fixed costs like a mortgage can make small splurges feel practically invisible

👉🏼 The anchoring effect and how one expensive purchase makes the next one so much easier to justify

👉🏼 Whether "time is money" is a valid reason to upgrade or just a slippery slope

👉🏼 The case for setting firm money rules instead of making case-by-case calls every time

👉🏼 Food, groceries, Uber Eats and where convenience quietly becomes a very expensive habit

If any of this sounds a little too familiar, this one is worth a listen.

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Disclaimer

Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.

Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links

Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide

If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.

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Episoder(301)

291. The top 10 ETFs Australians actually invest in (with Pearler CEO Nick Nicolaides)

Every year Pearler publishes the ETFs its community actually invests in, ranked by how many people hold them rather than by returns. Ana sits down with Pearler founder and CEO Nick Nicolaides to walk ...

5 Aug 38min

290. Why does the RBA keep changing rates? Here's the logic

Everyone talks about inflation and interest rates, but far fewer people can explain how they're connected or why the RBA only really has one tool to work with. In part two of the four-part series, Ana...

3 Aug 35min

289. Why you may need a Testamentary Trusts even when you don't think you do.

A will decides who gets your assets. A testamentary trust decides how they get them, and that difference can matter enormously for your kids, your blended family, and how much tax they pay. Ana sits d...

29 Jul 43min

288. What actually moves the economy (and why it matters to you) with Evan Lucas Part 1

Most of us only think about the economy when something's gone wrong, and according to economist Evan Lucas, that's by design. In part one of a four-part series, Ana sits down with the author of Mind O...

27 Jul 27min

287. Emergency funds when you're close to FIRE (part 2)

What happens to your emergency fund once you've actually built some wealth? Following straight on from their emergency funds 101 episode, Tash and Ana tackle the advanced version: offsets, debt recycl...

22 Jul 21min

286. Emergency funds 101: how much you need and where to keep it (part 1)

Emergency funds might not be the most thrilling topic in personal finance, but they're the foundation everything else sits on. In this first of two back-to-back episodes, Tash and Ana cover the 101: w...

20 Jul 18min

285. Investing for your 40's

If you're heading into your 40s (or already there) and worried you've missed the investing boat, this one's for you. Following their episodes on investing in your 20s and 30s, Tash and Ana tackle the ...

15 Jul 16min

284. Is your 9-5 actually safe?

FIRE (financial independence, retire early) made a lot more sense when houses were cheaper and the tax rules stayed put. So is it still a realistic goal for Australians in 2026? Tash and Ana take an h...

13 Jul 15min