Equity Mates Investing Podcast Ask an Adviser: Rentvesting, Super, and Why 'Good' Money Habits Can Turn Toxic with Gemma Mitchell
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Feb 16, 2026 Gemma Mitchell, financial adviser, author and money coach, guides listeners through her 12-step money reset. She reframes setbacks as slingshots and warns how ‘good’ habits can become toxic. Gemma shares a practical $0 budget, ways to boost income, the case for rentvesting, tips on super and tax, and why mindset and a supportive village matter for long-term financial recovery.
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Financial Advice Tested By Divorce
- Gemma's divorce forced her to apply her own financial advice under emotional strain and exposed how hard resets can be personally.
- She wrote The Money Reset to give practical, step-by-step help for people who can't afford a money coach.
Turn Setbacks Into Slingshots
- Reframe setbacks as 'slingshot' moments that can propel you forward with clarity and better-aligned goals.
- Pull different levers (income, expenses, wealth) at different times depending on which fits your situation.
When Good Habits Go Toxic
- Good financial habits can become toxic when they don't fit your life or cause unhealthy behaviour.
- Examples include points hacking, offset-account misuse and obsessively tracking net worth too often.
