Ask an Adviser: Rentvesting, Super, and Why 'Good' Money Habits Can Turn Toxic with Gemma Mitchell

Gemma Mitchell (Rask Advice, Author of The Money Reset) breaks down how to rebuild your money foundations after a setback and why income, systems and mindset matter just as much as picking the right investments.

In this episode:

0:00 Disclaimer + intro

0:47 Meet Gemma + the 12-step “money reset” framework

4:12 The “slingshot moment” and reframing setbacks

7:51 When good money habits become toxic (points hacking, offsets, net worth obsession)

11:35 Budgeting that actually sticks: the $0 budget + bucket accounts

17:07 The lever most people ignore: income (and how to boost it)

20:30 Wealth building choices: rentvesting, tax, super and “layers” to retire early

30:12 Mindset, money stories and building your “village strategy”

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