# Interest rates are rising… here’s how to actually benefit

Page: https://stenobird.com/podcast/australian-finance-podcast-1163565/interest-rates-are-rising-here-s-how-to-actually-benefit
Text version: https://stenobird.com/podcast/australian-finance-podcast-1163565/interest-rates-are-rising-here-s-how-to-actually-benefit.md
Podcast: [Australian Finance Podcast](https://stenobird.com/podcast/australian-finance-podcast-1163565)
Published: 2026-04-13T05:00:00+00:00
Episode link: https://www.raskmedia.com.au/2026/04/13/interest-rates-are-rising-heres-how-to-actually-benefit/
Audio file: https://traffic.megaphone.fm/RRKKR9209968376.mp3?updated=1775795432
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JSON: https://stenobird.com/v1/public/podcasts/australian-finance-podcast-1163565/episodes/interest-rates-are-rising-here-s-how-to-actually-benefit
Duration seconds: 2173

## Resource

In this Australian Finance Podcast episode, your hosts Owen Rask and Gemma Mitchell break down what rising interest rates actually mean for your money — and how you can benefit if you’ve got cash sitting in the bank. They cover: – Why rate hikes aren’t all bad news – Who wins and loses when interest rates rise – How savings accounts really work (and where banks get you) – Why chasing the highest rate isn’t always worth it – Simple, practical tips to make your cash work harder If you like this Australian Finance Podcast episode on interest rates and saving, you'll love our series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more investing insights. Topics Covered – Why everyone hates rate hikes… unless you’ve got cash – What’s happening with interest rates right now – Why banks don’t always pass on rate rises immediately – Who loses: mortgage holders and borrowers – Who wins: savers, first home buyers, retirees – How savings accounts actually work – The fine print: bonus rates, conditions and traps – Common bank tricks (and how to avoid them) – Why chasing the “best” rate can backfire – Example: is a higher rate really worth switching? – How to avoid analysis paralysis – Simple systems to maximise your interest – Final tips: automation, reminders, and staying consistent Resources for this episode - Spreadhseet - Buy Gemma’s book “The Money Reset” - Ask a question (select the Finance podcast) Show partner resources 💰 Join Pearler using code “RASK” for $15 of Pearler Credit 📊 Get 50% off your first two months using PocketSmith 📈 View Betashares full range of funds Rask resources 🔗 Explore all Rask services 📋 Learn about Rask Financial Planning 📈 Start investing with Rask 📜…

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## Transcript

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