In this episode of the Australian Finance Podcast, Gemma Mitchell sits down with Christian Hull for the final instalment of the Hot Money Mess series and a candid look at what has actually changed after months of money coaching, better systems and a few big life decisions. Christian began this series describing himself as chaotic with money. He returns sounding calmer, clearer and much more intentional. The conversation unpacks the practical shifts that made the difference: separating business and personal cash flow, using simple account buckets, planning for bills before they hit and relying on better numbers instead of panic. They also dive into Christian’s biggest update yet: buying a Sydney property far sooner than expected. Gemma and Christian talk through the values behind that move, what it means to feel calm around debt, and why having a plan matters more than pretending you will never feel fear. If you have ever felt behind with money, overwhelmed by decisions or unsure how to turn goals into action, this episode is a strong reminder that progress usually starts with clarity, structure and support, not perfection. It is a useful wrap-up on how behaviour change and better systems can create real financial momentum. Chapters 00:00 Intro 02:51 New Zealand Van Life 05:31 Cheese Rolls & Kiwi Dip 07:31 Patsy the Van Crash 12:24 Goals Recap 16:19 Buying in Sydney 22:00 The Bali Retreat 31:01 Property Decision Deep Dive 43:50 Tax & Super Update 48:30 Tools & AI Tips 53:22 Travel Hacks 55:21 Final Ratings 58:29 Wrapping Up 1:00:17 Rapid Fire Questions Episode resources - Hot-Mess Money Makeover workbook: https://www.raskmedia.com.au/christian-hull - Watch the other episodes: https://www.youtube.com/playlist?list=PLTKGNN6P1O1g - Buy Gemma’s book “The Money Reset”: https://amzn.to/42Uz0aK - Speak with the Rask Advice team: https://rask.com.au/advice - Ask a question (select the Finance podcast): https://bit.ly/R-quest Show partner resources - Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit: https://bit.ly/Pearler - Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith - Whatever comes next for your business, power it with Stripe: https://stripe.com EOFY deals to know about - ending June/July 2026 - 1 free trade per month, for 12 months, for new Pearler customers: https://bit.ly/Pearler 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