Her Money Matters

Dementia is now Australia's leading cause of death, yet most families still don't talk about it until they're already in crisis. In this episode, Naomi sits down with Co-Founder of Aged Care Conversations, Louise Greene to unpack what it actually looks like to support a loved one through a dementia diagnosis. Louise works alongside families every day as they navigate a dementia diagnosis, helping them find the right support through My Aged Care and connect with the community that makes caring for someone with dementia a little less isolating.  In this episode: The early signs of dementia families to look out for Why a dementia diagnosis can take years, and why getting one matters How to register for My Aged Care, and what Louise's team actually helps with What to weigh up when choosing an aged care facility — care needs, location and affordability Why carer isolation is so common, and where to find real support, including dementia cafes What the research says about reducing your own risk of dementia Louise's new resource for Dementia Action Week, Discussing Dementia [placeholder — confirm cost and availability] Share this episode with the friend who's quietly worrying about a parent, or about themselves. Leave us a review on Apple Podcasts or Spotify — it helps more women find this show.   If you would like to connect with Louise, you can find her at https://agedcareconversations.com.au/. Resources mentioned: My Aged Care — 1800 200 422 / myagedcare.gov.au Dementia Australia / National Dementia Helpline — 1800 100 500 (24/7) / dementia.org.au The numbers behind this episode: An estimated 446,500 Australians are currently living with dementia, with around 1.7 million people involved in caring for them (Dementia Australia). Dementia is Australia's leading cause of death (Australian Bureau of Statistics; Australian Institute of Health and Welfare, Dementia in Australia report, 2026). Professor Henry Brodaty AO, the 2026 Senior Australian of the Year, is referenced on dementia prevention research (UNSW).

So often we hear "I wish someone had taught me this at school,”.  It's the single most common piece of feedback Naomi and Helene hear they are having a bit of fun with this episode and going back to their 21-year-old selves and handing over the six money lessons they wish they'd known sooner: Three from Naomi and three from Helene.  This is a great episode to share with your kids / kidults and to share some of this really important money lessons we all wish we had known much earlier in life. Naomi's Three Money Lessons 1. Start saving from your first pay cheque. The habit matters more than the amount. Automate a transfer the day you get paid, even if it starts small — the earlier the habit forms, the less it ever has to compete against a lifestyle that's already grown to fill the gap. 2. Understand what refinancing your mortgage actually resets. Every home loan is front-loaded with interest, and refinancing back to a fresh 25 or 30-year term resets that interest-heavy curve all over again. Naomi explains how to refinance for a better rate without quietly resetting the clock every few years. 3. Start investing early — even in tiny amounts. A micro-investing account lets you build comfort with market movement while the stakes are still small, so investing feels normal well before you have "real money" to put in. Helene's Three Money Lessons 4. Compound interest is more powerful than it feels when you're young. You don't need a meaningful amount to start — the magic is in the time, not the size of the deposit. Helene's advice: start absurdly small and let time do the rest.\ 5. Super is the one she wishes she'd paid attention to sooner. Helene shares that she wished someone had talked to her about the importance of super so much earlier.  Super became compulsory in 1992 and had she paid attention to it all the way back then, she would have been in a significantly stronger position today. 6. Budgeting is a habit worth building early. For Helene, budgeting is about information: knowing where your money actually goes, so you get to make decisions on purpose. Building that habit young means you get take make the most of that information much earlier in life.   This episode is sponsored by NGS Super. Sponsorship does not influence the general information shared in this episode, and nothing discussed should be taken as a recommendation of any NGS Super product or service. This content is general information only and does not take into account your personal objectives, financial situation or needs — it is not financial product advice. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, AFSL 557729.  Past performance in not an indicator of future performance.

Is your trust still worth having? That's the question Naomi puts to Justine Wilson, Director at Altus Financial, in this deep dive into two of the biggest changes to come out of the May 2026 Federal Budget — the proposed 30% minimum tax on discretionary trusts, and the change to how capital gains tax is calculated on assets you already own. Naomi and Justine get into who these changes were designed to target, and who is actually likely to feel them. If you have a trust, you're thinking about setting one up, or you just want to understand what's settled law versus what's still just a proposal, this episode is your plain-English guide. IN THIS EPISODE YOU WILL LEARN Whether a discretionary trust is still worth having, and who is genuinely affected by the proposed minimum tax Why the classic "bucket company" strategy is effectively ending The proposed three-year window to restructure out of a trust, and why state stamp duty could still get in the way What the CGT cost base indexation change (already law, from 1 July 2027) means for assets you already hold Why you don't need to panic and get everything valued by 30 June 2027 ABOUT JUSTINE WILSON Justine Wilson is the Director of Altus Financial, where she works with clients on structuring, tax and asset protection decisions — including whether a trust is the right vehicle for their circumstances. Justine has been closely following the development of the 2026 Budget trust and CGT measures as they move through consultation. You can find Justine at [email protected], and https://www.altusfinancial.com.au/. ENJOYED THIS EPISODE? If this episode helped make sense of what's actually changing — and what isn't — the best thing you can do is leave a review wherever you listen. It takes less than two minutes and helps more women find this show. And if you know someone who's been asking "should I still have a trust?", send them this episode. DISCLAIMER This episode contains general information only and does not take into account your personal objectives, financial situation or needs. It is not financial product advice. Before acting on anything discussed, consider whether it's appropriate for your circumstances and seek advice from a qualified professional. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, AFSL 557729. This episode is sponsored by Global X ETFs. Sponsorship does not influence the general information shared in this episode, and nothing discussed should be taken as a recommendation of any Global X product or service. A note on legislative status: the negative gearing and CGT cost base indexation changes discussed in this episode passed Parliament and received royal assent on 25 June 2026 as the Treasury Laws Amendment (Tax Reform No. 1) Act 2026 — these are now law. The proposed 30% minimum tax on discretionary trusts is a separate measure from the same Budget that has not yet been legislated — Treasury's consultation process closed 31 July 2026 and exposure draft legislation has not yet been released. Everything discussed about trusts in this episode reflects the current best-available information at time of recording and is subject to change.

Almost every woman going through a divorce has this conversation. Not about the superannuation. Not about the investments. About the house. And it usually sounds something like — I don't care about anything else. I just need to keep the house. In this episode Helene shares her own experience — and the very real cost of the decision she made — to have an honest conversation about what's really driving that need, and what it might actually be costing you. IN THIS EPISODE YOU'LL HEAR: Why women fight so hard to keep the family home — and what the research actually says about what children need after separation The financial reality nobody talks about — it's not just the mortgage What it actually means to "keep the house"  — and why it's not always as simple as taking your ex off the mortgage Helene's own story — the numbers, the sacrifice, and the hindsight Practical tips for anyone navigating this decision right now The alternative nobody considers — and why renting is not failing The therapeutic coaching lens — the belief underneath the decision, and a powerful exercise to help you hear what your back brain is actually saying The questions to sit with before you decide anything THE STATS Divorce in Australia increased 4.1% in 2024-25 The average age at divorce is now 47.3 for men and 44.4 for women Women's average superannuation balances at retirement are around 23% lower than men's 30% of retired women relied on their partner's income to meet living costs in 2024-25 Women earn over $12,000 less than men per year 86% of child support recipients via the Australian Child Support Agency are women 22% of single parent families are in housing stress — compared to just 6.9% of couples with dependent children (HILDA Survey) A USEFUL EXERCISE Finish this sentence out loud — don't think too hard, just let it come: "I believe I need to keep the house because..." Whatever came up — that's the belief worth looking at. THE QUESTIONS TO SIT WITH BEFORE YOU DECIDE In five years, will the version of me who made this decision thank me — or be drowning because of me? Am I keeping the house for my kids — or for me? If the house burned down tomorrow and the decision was made for me — what would I do? How would I feel in six months? Is the house the home — or am I the home? RESOURCES MENTIONED 1800RESPECT — 1800 737 732 — available 24/7 for domestic and family violence support Australian Institute of Family Studies — aifs.gov.au AHURI — ahuri.edu.au Federal Circuit and Family Court of Australia — fcfcoa.gov.au MoneySmart — moneysmart.gov.au Simple Split Financials — Julie Garis (add details) CONNECT WITH US Helene Psarakis — ThinkBowl Therapeutic Coaching thinkbowl.com.au | [email protected] Naomi Holmes — Her Money Matters hermoneymatters.com.au | [email protected] DISCLAIMER The information shared in this episode is general in nature and does not constitute legal, financial or therapeutic advice. Please seek appropriate professional advice for your specific circumstances. This episode covers the property tax measures from the 2026-27 Federal Budget, including the abolition of negative gearing for established residential property and the replacement of the CGT discount with cost base indexation. Both have since passed into law as the Treasury Laws Amendment (Tax Reform No. 1) Act 2026, effective 1 July 2027. Related measures — including the treatment of discretionary trusts and a fix for the co-ownership "widow's tax" issue — are still being finalised in follow-up legislation and were not yet settled at the time of recording. Podcasts are a great place to start, but when it comes to your own finances, super or lending position, please get guidance from a qualified professional. If you'd like more support, Naomi offers one-on-one coaching and financial education courses, and Her Money Matters has a panel of licensed financial advisers who can help with personal advice. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, Australian Financial Services Licence 557729. Your money matters. Your future matters. And you? You matter.

The 2026-27 Federal Budget delivered the biggest overhaul to property investing this country has seen in decades, and it has now passed into law. Negative gearing has been abolished for established residential properties purchased after 7:30pm on 12 May 2026, and the 50% capital gains tax discount is being replaced with cost base indexation and a 30% minimum tax on gains, both taking effect from 1 July 2027. In Naomi's first-ever two-guest interview, she's joined by property valuer Belinda Botzolis, founder of Add Valuer and a returning guest from Episode 20, and mortgage broker Emma Stephens from Artemis Finance, joining the podcast for the first time. Together they bring two essential lenses to the conversation: what these changes mean for how banks assess your borrowing power, and what they mean for the value of the property you already own. Across the episode, Belinda and Emma break down the new “neutral gearing” term the banks are already using, why every investment property now needs to be valued before 30 June 2027, and how to think through whether to sell, hold or restructure a portfolio without making a decision out of fear. They also cover debt recycling as an alternative way to keep investing, the genuine pros and cons of commercial property, and the recent ban on self-managed super fund loans for residential property, along with what business real property still allows. If you own an investment property, are thinking about buying one, or just want to understand what's changed and why, this episode gives you the practical detail to plan your next move with confidence. KEY TOPICS COVERED What's actually changed: negative gearing abolition and the shift to CGT indexation “Neutral gearing” - the new term reshaping how much you can borrow Why every investment property needs a valuation locked in before 30 June 2027 Should you sell, hold or restructure?  Debt recycling as an alternative strategy for investors Commercial property: the real pros and cons Business real property and the new ban on SMSF loans for residential property MEET THE GUESTS Belinda Botzolis — Founder, Add Valuer A property valuer for over 20 years and a Fellow of the Australian Property Institute. Find her by searching “Belinda the Valuer.” Belinda first joined the podcast back in Episode 20. Emma Stephens — Mortgage Broker, Artemis Finance Emma is the business partner of Sharon Bae, who joined the podcast back in Episode 50 to talk refinancing. Find Artemis Finance at https://artemisfinance.com.au/ or connect with Emma on LinkedIn and Instagram. DISCLAIMER  The information in this podcast is general in nature and doesn’t take into account your personal situation, goals or needs. It’s accurate as at the date of recording, but tax and superannuation law can change, so please confirm the latest position before acting on anything discussed. This episode covers the property tax measures from the 2026-27 Federal Budget, including the abolition of negative gearing for established residential property and the replacement of the CGT discount with cost base indexation. Both have since passed into law as the Treasury Laws Amendment (Tax Reform No. 1) Act 2026, effective 1 July 2027. Related measures — including the treatment of discretionary trusts and a fix for the co-ownership “widow’s tax” issue — are still being finalised in follow-up legislation and were not yet settled at the time of recording. Podcasts are a great place to start, but when it comes to your own finances, super or lending position, please get guidance from a qualified professional. If you’d like more support, Naomi offers one-on-one coaching and financial education courses, and Her Money Matters has a panel of licensed financial advisers who can help with personal advice. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, Australian Financial Services Licence 557729.  Your money matters. Your future matters. And you? You matter.

Your super has one job — to grow your money for retirement. So how do you actually know if it's doing it? In this episode, Naomi and Helene check this year's super fund performance against the market performance.  We explore the factors that impacted investments over the 2025/26 year, from interest rates going one way then the other, to the AI boom, to a genuine escalation in the Middle East, and what all of it actually meant for Australian shares, property, bonds and cash. We break down the five risk categories super funds use and walks through performance across the 1, 5 and 10 year view.  We explain exactly what to look for so you can read your statement with fresh eyes.  This episode connects to Episode 21 — The Super Audit. If you haven't done your audit yet, that's a great companion listen. This episode is proudly sponsored by NGS Super. IN THIS EPISODE YOU WILL LEARN A quick recap of the three-part super audit from Episode 21: fees, where your money is invested, and performance The story behind FY26's returns: interest rates, the AI capex boom, the March 2026 Middle East escalation, and ongoing trade uncertainty The performance of the major asset classes in Australia over the past 12 months The five risk categories super funds use, broken down by growth vs defensive asset split How performance looks across three different time frames FY26 SUPER FUND PERFORMANCE BY RISK CATEGORY Figures current as at 30 June 2026. Source: Chant West Super Fund Performance Survey. Shown net of investment fees and tax, before administration fees and adviser commissions. Past performance is not a reliable indicator of future performance.  Risk Category Growth / Defensive Split 1 Year 5 Years (p.a.) 10 Years (p.a.) All Growth 96–100% growth 12.4% 8.4% 9.6% High Growth 81–95% growth 10.9% 7.9% 9.5% Growth 61–80% growth 9.5% 6.9% 7.8% Balanced 41–60% growth 7.6% 5.6% 6.3% Conservative 21–40% growth 6.0% 4.2% 4.6% Plain-text version, in case your podcast platform doesn't render tables (Apple Podcasts and Spotify usually strip formatting from episode descriptions): RISK CATEGORY (growth/defensive split) — 1 YEAR | 5 YEARS (p.a.) | 10 YEARS (p.a.) All Growth (96–100% growth) — 12.4% | 8.4% | 9.6% High Growth (81–95% growth) — 10.9% | 7.9% | 9.5% Growth (61–80% growth) — 9.5% | 6.9% | 7.8% Balanced (41–60% growth) — 7.6% | 5.6% | 6.3% Conservative (21–40% growth) — 6.0% | 4.2% | 4.6%   ENJOYED THIS EPISODE? If this episode helped you check in on your super with a bit more confidence, the best thing you can do is leave a review wherever you listen. It takes less than two minutes and it helps more women find this show. And if you know someone who hasn't looked at their super in a while, send this episode to her today. DISCLAIMER This episode contains general information only and does not take into account your personal objectives, financial situation or needs. It is not financial product advice. Before acting on anything discussed, consider whether it's appropriate for your circumstances and seek advice from a qualified professional. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, AFSL 557729. NGS Super is a sponsor of this episode. Sponsorship does not influence the general information we share. Any performance data or fund names referenced, including NGS Super's own, relates to third-party Chant West research and is not a recommendation of NGS Super specifically. Past performance is not a reliable indicator of future performance. All performance figures in this episode are current as at 30 June 2026, sourced from Chant West.

How do you negotiate salary without feeling pushy, ungrateful, or "too much"? That's exactly what this episode is about. Naomi sits down with salary negotiation coach Angela Langmann to unpack why so many women avoid asking for a raise, and the simple strategy that changes it. Australia's gender pay gap currently sits at 21.1%, meaning for every dollar a man earns, a woman earns just under 79 cents. The reality is that there are many reasons for this,  one of the big challenges being the moment an offer lands on the table, or a review rolls around, one person asks for more while another says thank you and moves on. Angela is a former corporate hiring manager who spent years watching hundreds of candidates go through exactly that moment, and who now runs her own business helping women over 45 have the salary conversations.  Angela's message is simple and genuinely reframes the whole conversation: this isn't a confidence problem. It's a strategy problem. And strategy can be taught. They cover the data behind why women negotiate less often than men, the real (and often irrational) fears that stop us from asking, why our last salary anchors our next one, and Angela's own collaborative-but-assertive negotiation method which is illustrated with two real client stories, including one that turned into equity and a sign-on bonus instead of just a bigger base salary. IN THIS EPISODE YOU WILL LEARN The negotiation data: why women are significantly less likely than men to negotiate an actual offer, even when they raise expectations early in the process The real reasons women hold back from asking - fear of backlash, weaker access to salary information, and beliefs about what asking "makes you" Why your last salary becomes an anchor for your next one, and how to break that pattern What a negotiation coach actually does, and how it's different from a career coach or mentor Angela's negotiation strategy — collaborative, non-threatening, and assertive, all at once Two real case studies: one that turned a rejected request into a 16% increase, and one that resulted in equity participation and a sign-on bonus instead of just a bigger number ABOUT ANGELA LANGMANN Angela spent years in corporate as a hiring manager, sitting across the table from hundreds of candidates at the exact moment salary negotiations happened. After noticing a consistent pattern — men negotiating more often and opening higher, women far more likely to simply accept what was offered — she left corporate to build her own negotiation coaching business under her own name, working specifically with women over 45 to close that gap for themselves. You can find her at:  https://angelalangmann.com/ And LinkedIn: https://www.linkedin.com/in/angelalangmann?originalSubdomain=au SOURCES MENTIONED IN THIS EPISODE Gender pay gap (21.1%, total remuneration) — Workplace Gender Equality Agency (WGEA), 2025 data The "broken rung" (first promotion to management) — McKinsey, Women in the Workplace 2025 Negotiation rates by gender (67%/36% women, 78%/55% men at interview vs. offer stage) — Korn Ferry 60% of women have never negotiated their pay vs. 48% of men — Randstad Angela's client results (16–20% average increase) and the "15% more income" negotiation benchmark are drawn from Angela Langmann's own coaching data ⚠️ source to be confirmed with Angela before publishing CONNECT WITH US Naomi Holmes — Her Money Matters Instagram: @hermoneymatters Website: hermoneymatters.com.au Email: [email protected] ENJOYED THIS EPISODE? If this episode gave you something to think about before your next review or offer, the best thing you can do is leave a review wherever you listen. It takes less than two minutes and it helps more women find this show. And if you know a woman with a performance review coming up, or who's just received an offer — send her this episode before she walks in. DISCLAIMER This episode contains general information only and does not take into account your personal objectives, financial situation or needs. It is not financial product advice. Before acting on anything discussed, consider whether it's appropriate for your circumstances and seek advice from a qualified professional. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, AFSL 557729. This episode is sponsored by Global X ETFs. Sponsorship does not influence the general information shared in this episode, and nothing discussed should be taken as a recommendation of any Global X product or service.

Most of us already know what we should be doing with money: save more, spend less, charge what we're worth, and actually look at the numbers. So why do so many smart, capable women still find themselves stuck in the exact same patterns, year after year?   In this episode, Naomi and Helene unpack the psychology behind our money habits, the automatic and often invisible patterns that are running our financial lives. They cover what a habit actually is and why the unhelpful ones compound just like interest, the difference between limiting and expansive habits, where these patterns really come from, and why willpower was never going to be the thing that fixes them.   Using a simple three-part framework: Name It, Place It, Choose, Helene walks through how to spot a limiting money habit, trace it back to where it started, and finally build something new in its place.  IN THIS EPISODE YOU WILL LEARN What a habit actually is, and why unhelpful money habits compound just like interest in the wrong direction The difference between limiting and expansive habits Where our money habits actually come from and why they are almost never really about money Why willpower cannot fix a habit that lives in the part of the brain built to keep you safe The three-part framework for shifting any habit: Name It, Place It, Choose How to build a new, specific habit and make it stick using neuroplasticity — not motivation CONNECT WITH US Naomi Holmes - Her Money Matters Website: www.hermoneymatters.com.au Email: [email protected] Helene Psarakis - ThinkBowl Website: thinkbowl.com.au Email: [email protected] ENJOYED THIS EPISODE? If you heard yourself somewhere in Mel's story, the best thing you can do is share this episode with a woman in your life who needs to hear it. And if this podcast is helping you, please leave a review wherever you listen — it takes less than two minutes and it genuinely helps more women find this show. DISCLAIMER The information shared in this episode is general in nature and does not take into account your personal objectives, financial situation or needs. Neither Naomi nor Helene are providing financial product advice, or medical, psychological or therapeutic advice, in this episode. Before making any decisions about your finances, please consider whether the information is appropriate for your circumstances, and speak to a licensed financial adviser or appropriate qualified professional if you need personal advice.

Stephanie Duran's story is not one chapter, it is three. It begins in childhood, in a home where money was unpredictable and frightening, and where those early lessons left their mark on everything that followed. The second chapter is a marriage of twenty-one years, and then a divorce followed by the financial reckoning that comes with it. And then the third chapter: falling in love again, building a business together, and then receiving a terminal cancer diagnosis just three months after opening their doors. From that moment to his death, she had three and a half years: three and a half years of loving someone through the unimaginable, to advocate and fight for his life, and of facing decisions no one should ever have to make in the middle of grief. Somewhere in the middle of telling it, we both ran out of words for a moment as the tears rolled down our cheeks. Some stories don't just inform you, they remind you of what is actually at risk, and what it really means to be a woman navigating money and life and love all at the same time. In this episode we cover: How a childhood shaped by financial chaos follows you into adulthood and what it takes to finally face that story The money lessons Stephanie took from a 21-year marriage, and what she wishes she had known before the divorce The financial reality of a terminal diagnosis: the decisions, and the debt that comes with fighting for someone's life Voluntary Assisted Dying and what it means emotionally, financially, and practically, and why more families need to be having this conversation How Stephanie turned the hardest chapters of her life into Because I Loved You - a memoir about the journey she shared with the love of her life, and why financial advisers and oncology professionals across Australia and the United States are now using it as a resource Stephanie is a former attorney, an ICF certified grief and trauma coach, and the author of Because I Loved You — now being used by financial advisers and oncology professionals across Australia and the United States. This is one of the most important conversations I have had on this podcast. I think you will feel that too. You can purchase the book here through amazon:  https://www.amazon.com.au/Because-Loved-You-Surviving-Unthinkable/dp/B0FCYTYVWX This episode covers grief, terminal illness, early partner loss and divorce. Please take care as you listen.

If you are unhappy with your super fund or your super fund failed the audit from your review after episode 21, this episode is for you. In Episode 21, Naomi and Helene did a live super audit together and discovered Helene had two crosses out of three in the big areas that matter. So what do you do next? How do you actually find a better fund? And how do you know who to trust when the internet is full of comparison sites that earn money from the very funds they recommend? In this episode, Naomi and Helene pick up exactly where Episode 21 left off. We break down a clear 7-step process for comparing, choosing and switching super funds, including a guide to some independent resources, and one excellent free comparison tool that most people have never heard of.  Whether you have one cross or three, this episode gives you the exact process to take action on your super — today. IN THIS EPISODE YOU WILL LEARN The six things everyone needs to know about their super  What your audit results mean and when it is time to make a move The difference between industry super funds, retail super funds and self-managed super funds — and which type most people should be looking at How to build a shortlist of funds using independent research rather than sponsored rankings The AppleCheck tool powered by Chant West research — a free, detailed side-by-side comparison report that takes the guesswork out of comparing funds How to make the switch smoothly, including the insurance warning most people miss and the cooling-off period you probably did not know about RESOURCES MENTIONED IN THIS EPISODE Chant West — independent super fund research, ratings and benchmarking chantwest.com.au AppleCheck — free side-by-side super fund comparison tool powered by Chant West independent research. Compare up to three funds and get a detailed report. ngssuper.com.au (search "AppleCheck" on the NGS Super website — confirm URL before publishing) ATO YourSuper Comparison Tool — government tool that shows fees in real dollar terms based on your actual balance ato.gov.au/calculators-and-tools/super-yoursuper-comparison-tool MoneySmart — ASIC's guide to choosing a super fund, including a fee impact calculator moneysmart.gov.au/how-super-works/choosing-a-super-fund GET YOUR FREE RISK PROFILE Not sure which investment option you should be in inside your super fund? Start with a risk profile — it tells you whether you are in the right growth/conservative/balanced option for your situation. Naomi will send you one for free. Just email her at: [email protected] ENJOYED THIS EPISODE? If this episode helped you take a step forward with your super, the best thing you can do is leave a review wherever you listen. It takes less than two minutes and it helps more women find this show. And if you know someone who has been putting off looking at their super, send this episode to her today. This is the kind of thing that can genuinely change someone's financial future — and it starts with a conversation like this one. DISCLAIMER The information shared in this episode is general in nature and does not take into account your personal objectives, financial situation or needs. It is not financial product advice. Before making any decisions about your superannuation, please consider whether this information is appropriate for your circumstances. We recommend speaking with a licensed financial adviser if you need personal advice. This episode is sponsored by NGS Super. Sponsorship does not influence the general information provided in this episode. References to the AppleCheck tool relate to independent third-party Chant West research data and do not constitute a recommendation of NGS Super as a superannuation fund.

Did you know that only 13% of women in Australia hold an ETF compared to 27% of men? That means men are more than twice as likely to be investing in one of the most accessible, low-cost, and diversified investment options available on the ASX.  The reason that gap exists is not because women are less capable investors, it is that women tend to be more risk adverse and want to know more about their investments before they jump in. To help anyone who may be considering an ETF, Naomi sits down with Jessica Leung from Global X ETFs to bust the five most common myths about ETFs. Whether you thought ETFs were boring, complicated, risky, expensive, or only for people who already know what they are doing, this episode is going to challenge each of those assumptions. In this episode we cover: Why only 13% of Australian women hold an ETF versus 27% of men  Myth 1: ETFs don't perform as well as other investments — the data that proves otherwise, including how most active fund managers struggle to outperform an index ETF over the long term Myth 2: ETFs are only for experienced investors — what you actually need to get started, and why it is far less than you think Myth 3: All ETFs are basically the same — the extraordinary breadth of what is available on the ASX, from AI and clean energy to income and global markets Myth 4: ETFs are too risky for everyday investors — why ETFs are actually one of the most powerful diversification tools available, and how to find a starting point that suits your risk appetite Myth 5: ETFs are expensive — how ETF costs compare to managed funds, what fees to look for, and why the difference matters more than you think over time The first steps any woman can take this week to explore whether ETFs are right for her About Jessica Leung: Jessica is a Portfolio Manager at Global X ETFs, one of Australia's leading providers of thematic and income ETFs. With deep expertise across the ASX-listed ETF market, Jessica is passionate about making investing more accessible and more understandable for everyday Australians. Find Global X at globalxetfs.com.au. Have a question? Email Naomi at [email protected] or got the website https://www.hermoneymatters.com.au/. If this episode resonated with you, please share it with a woman in your life who has been meaning to start investing — and leave us a review on Apple Podcasts or a follow on Spotify. It genuinely helps more women find us. The information shared in this episode is general in nature and does not take into account your personal objectives, financial situation, or needs. Before acting on any information discussed, please consider whether it is appropriate for your circumstances and seek advice from a licensed financial adviser. This episode is proudly supported by Global X ETFs.

One year. Sixty episodes. And approximately four hundred "ums" in Episode 1 alone. We are putting on our party hats, popping the bubbles, ripping open a bag of party mix lollies, and we are absolutely not sharing the clinkers. This week, there is no homework, no super statements, no spreadsheets — just Naomi and Helene celebrating one gloriously chaotic year by pulling back the curtain on everything that actually happens behind the mic. The re-recordings, all about the imposter syndrome, and the moment Helene decided live radio was the appropriate setting for her personal sealed section. And the blooper reel that Kieran — our long-suffering, endlessly patient sound guy — has been lovingly curating since the beginning!  In this episode: The terror of Episode 1, the re-recordings, and the microphone that felt like a personal attack How Helene joined as a guest in Episode 7 and never really left Best and hardest episodes of the year — and what each one taught them Episode 51: Helene's live sealed section, the DMs that followed, and confirmation there are more stories A proper tribute to Kieran — the man who has listened to every episode at least twice and deserves a monument The blooper reel, with one absolute masterpiece saved for last What listener feedback this year actually said — and why "you make me feel normal" gets them every time This week's pop culture pick: Happy Birthday Mr. President — Marilyn Monroe (1962). Sewn into a dress, barely able to breathe, completely unapologetically herself. Sounds familiar. Have a question? Email Naomi at [email protected] or find us on Instagram — @hermoneymatters and @hermindsetmatters. If you have been listening and haven't left a review yet — today is the day. It takes less than a minute and it genuinely helps more women find this podcast. That is exactly why we do this. The information shared in this episode is general in nature and does not take into account your personal objectives, financial situation, or needs. Before acting on any financial information, please consider whether it is appropriate for your circumstances and seek advice from a licensed financial adviser.

Naomi sits down with Maz Farrelly, the creative force behind some of the biggest TV shows on earth, including Big Brother, The X Factor, The Weakest Link, Dancing with the Stars and more, to go behind the scenes of a career built on standing out, backing herself and refusing to shrink.    Maz has a two-word mantra she has used to walk into every terrifying room, every high-stakes negotiation and every live TV crisis of her career: tits and teeth. It sounds cheeky, but the philosophy behind it — stand tall, smile, be memorable and never apologise for being in the room — is one of the most practical pieces of career advice you will ever hear. Together they explore what it really means to be a woman in a male-dominated industry, why the way we talk about ourselves matters more than we think, and the financial lessons Maz wishes someone had handed her at nineteen. Whether you are navigating a pay negotiation, building your personal brand or simply tired of apologising for taking up space — this one is for you. In this episode we cover: How Maz went from fashion stylist to Emmy-winning TV producer — and what she learned along the way Women and the media: the invisible ways gender bias shapes what we see, read and believe about ourselves Being underestimated as a competitive advantage — and how Maz used it to quietly take everyone's jobs Personal brand 101: why looking the part, owning your body language and being memorable are career strategies, not vanity Salary negotiation tips from a woman who built every show she touched into a number one The "tits and teeth" confidence trick for walking into any room like you own it Compound interest — the single money concept Maz's friend Fee wishes every 19-year-old knew About Maz Farrelly: Maz is a BAFTA, Logie and ASTRA-winning TV producer and global keynote speaker whose content has been watched more than eight billion times. She has worked with everyone from King Charles to Beyoncé, and now coaches leaders and organisations around the world through her business Maz Speaks Global. Find her at mazspeaks.com. Have a question? Email Naomi at [email protected] or find us on Instagram — @hermoneymatters. If this episode resonated with you, please share it with a woman in your life who needs to hear it — and leave us a review on Apple Podcasts or a follow on Spotify. It genuinely helps more women find us. The information shared in this episode is general in nature and does not take into account your personal objectives, financial situation, or needs. Before acting on any information discussed, please consider whether it is appropriate for your circumstances.

The end of the financial year is an important point on the Australian calendar and most of us let it pass without making the most of our possible tax deductions.   In this episode, Naomi and Helene break down five superannuation strategies you can action before June 30, plus a quick-fire checklist of tax deductions worth having on your radar. The focus? Super, as it is a great tax-effective investment option available to everyday Australians, and the EOFY window is a great opportunity to review whether you have the ability to increase your contributions and get a tax benefit at the same time. Whether you have taken a career break, are self-employed, or simply haven't looked at your super in a while, there is something in here for you — and it could potentially save you thousands. In this episode we cover: How to make the most of your concessional contributions cap before June 30 The carry-forward rule — and why it is particularly powerful for women who have taken career breaks Personal deductible contributions and the spouse super top-up strategy The Government Co-contribution strategy and how you could get $500 for nothing (so long as you are eligible 😊) A quick-fire checklist of other deductions to have on your radar before the year closes If this episode was useful, please share it and leave us a review on Apple Podcasts or a follow on Spotify — it genuinely helps more women find us. DISCLAIMER The information shared in this episode is general in nature and does not take into account your personal objectives, financial situation, or needs. Before acting on any information discussed, please consider whether it is appropriate for your circumstances and seek advice from a licensed financial adviser. This episode is proudly supported by NGS Super.

Every time you shop around for a home loan online, you could be silently damaging your credit score. One missed payment can stay on your file for 2 years. A default? 5 years. Most women have never checked their credit report — and some only find out what's on it when the mortgage is declined. Today, we change that. Victoria Coster is the Founder & CEO of Credit Fix Solutions — Australia's #1 trusted credit repair company. She built it on one radical principle: no win, no fee. She now works with 9,000+ finance brokers across Australia, has expanded into New Zealand, and is developing a financial literacy program for Year 10 students. In this episode we cover: What's actually in your credit report — and the 3 bureaus holding your data (Equifax, Illion, Experian) The 5 data sets that make up your credit score and how long they stay Why shopping around for loans online is damaging your score What one missed payment really does What hardship, divorce and financial difficulty look like on your file The truth about debt management plans — some are a form of bankruptcy What can be fixed, what can't, and when to call in a professional  Your red pill moment starts now. Connect with Victoria: Website: creditfixsolutions.com.au Phone: 1300 436 569  Get your FREE credit reports: Equifax → mycreditfile.com.au Experian → experian.com.au If this episode helped you, please follow the show and share it with someone who's thinking about buying a home or has ever had a financial setback. It could change everything for them. 💗

In Part 2 of our frequent flyer series, Helene and I break down the practical side of points collecting. We share 10 ways Australians can accumulate points faster using spending they're already doing every day, along with the strategies that can help you get the most value from the points you earn. The reality is that most frequent flyer points are no longer earned from flying. They're earned through credit cards, supermarkets, insurance, utilities, shopping portals, wine clubs, hotels, and everyday household spending. We also discuss the best ways to redeem your points, including why flights generally offer far greater value than shopping rewards, gift cards, or fuel discounts. In this episode we cover: • The 10 ways to build a frequent flyer points balance • Credit card sign on bonuses and how they work • Using supermarkets, utilities and insurance to earn points • Shopping portals and hidden points opportunities • Why Qantas Wine has become a favourite points hack • The biggest mistakes people make when redeeming points • Why Business Class flights often provide the best value for your points • The difference between Classic Reward flights and Points Plus Pay If travel is on your bucket list, this episode will show you how to earn points faster, redeem them smarter, and potentially save thousands of dollars on your next holiday.

Ever wondered how people seem to casually fly business class to Europe while the rest of us are still recovering financially from booking economy seats to Bali? Welcome to the slightly obsessive, highly strategic, and surprisingly entertaining world of frequent flyer points.   As we head into holiday season and everyone starts dreaming about escaping the Australian winter for sunshine, cocktails, long lunches, and a European summer, there is one problem… travel has become expensive. Really expensive. Flights, accommodation, airport food, baggage fees, travel insurance: it all adds up quickly. And this year, with global tensions, fuel prices, airline disruptions, and endless schedule changes, travel feels more unpredictable than ever.   So in this two-part series, Naomi and Helene are diving headfirst into the world of Australia’s frequent flyer programs, travel hacks, reward seats, points strategies, and business class dreams. In Part 1, they unpack how the major frequent flyer programs actually work, who the different “points personalities” are, and Naomi makes a shocking confession… she and her husband have essentially built their lives around the Qantas Frequent Flyer program.   From refreshing reward seats at exactly midday like Taylor Swift concert tickets, to planning multi-country “milk run” routes across the globe just to secure a lie-flat bed and champagne at 35,000 feet, this episode proves that frequent flyer points are not just luck… they are strategy.   Meanwhile, Helene reveals she absolutely hates flying and would genuinely rather walk 500 miles than board a plane — making this week’s pop culture theme from The Proclaimers painfully appropriate.   This episode is funny, nostalgic, practical, slightly chaotic, and full of insights for anyone who has ever looked at a business class cabin and wondered, “How are these people affording this?” In this episode: Breaking down the two frequent flyer programs in Australia: Qantas Frequent Flyer and Velocity Frequent Flyer The hidden psychology and personalities of “points people” Naomi’s confession as a full-blown frequent flyer obsessive The reality of chasing business class flights to Europe Why frequent flyer points are less about luxury… and more about understanding the system Part 2 of this series dives into the practical side of points hacking, including the best ways to accumulate points in Australia, how to maximise credit card bonuses, and the strategies frequent flyer pros use to actually secure reward flights and business class upgrades.   Because travel might be expensive… but paying full price is apparently optional.

School fees. University costs. Tutoring. Technology. Uniforms. Excursions. Somehow, every year the cost of education seems to climb even higher and for many families, it can feel like a financial treadmill that never quite slows down. This conversation is not just for parents currently raising children as increasingly, grandparents are stepping in too. Whether it is helping with private school fees, contributing towards university costs, or wanting to create a meaningful financial legacy for the next generation, many women in their 50s, 60s and beyond are asking the same question: “How can I help my kids and grandkids without compromising my own future?” In this episode of the Her Money Matters podcast, I sit down with Marie Lazar from Futurity Investment Group to unpack one of the financial planning tools more families are beginning to explore: education bonds. For many women, this sits right at the intersection of family, legacy, and financial planning. You may be in the thick of paying school fees right now. You may have adult children struggling with the rising cost of raising kids, or you may be looking at your grandchildren and wanting to create opportunities for them in a practical and meaningful way. Marie and I discuss the rising cost of education in Australia, the different ways families currently fund education, and how education bonds actually work in practice. We also unpack who they may suit, the tax considerations, the flexibility they offer, and why this has become an increasingly important conversation for both parents and grandparents. In this episode we cover: The rising cost of education in Australia Why education planning matters more than ever for families The different ways parents and grandparents fund education costs What an education bond actually is How education bonds work from a tax perspective The key features and benefits of education bonds Who education bonds may be suitable for How grandparents can use education bonds as part of legacy planning As always, this episode is general information only and does not take into account your personal circumstances or financial needs. So join us for a practical, thoughtful, and surprisingly fascinating conversation about one of the biggest investments many families will ever make - education.

Self Managed Super Funds(or SMSF’s) can be seen as the next step when it comes to taking ownership of your money. They may carry a certain appeal, being more control, more flexibility, and the ability to make your own investment decisions. For some people that feels empowering however for others, it can feel complex and slightly out of reach. In this episode, Naomi and Helene unpack the reality behind SMSF's. They explore what they are, how they work, and why many Australians are drawn to them. They also explore the psychology behind the decision and the good, the bad and the very ugly that people need to know before starting an SMSF.   This is a highly practical conversation designed to help you understand whether an SMSF genuinely fits your needs.  It is important to be aware of both the benefits and the responsibility that is involved in running your own super fund.  In This Episode, We Cover: What an SMSF actually is and what it means to be a trustee The psychology of the self-directed investor and why control can be appealing The main reasons people start SMSFs The key benefits of SMSFs, including control, flexibility and investment choice The disadvantages, including cost, time commitment and compliance risk The realities of being responsible for your own investment performance The risks associated with running an SMSF Who an SMSF is suited to and why many people do not need one An SMSF is a structure that requires time, attention, and responsibility. Before you go down this path, take a step back and ask whether it genuinely fits your life, your interest, and your level of commitment.

What happens to your super when your partner dies? And would you actually know what to do next? Superannuation doesn’t automatically form part of your Will, and that one detail can completely change how your money is passed on. For many women, this is the moment when they may find that they have not really engaged with super… to suddenly being responsible for it. In this episode, Naomi is joined by Maria Ganakas from Prime Super to break down exactly how super works on death, what women need to know about inheritance, and why this is one of the biggest financial transitions many women will face.  What we cover in this episode: What happens to super when your spouse dies in Australia  Why super does not automatically go through your Will Binding death benefit nominations: what they are and why they matter Reversionary pensions explained and how they create ongoing income The emotional impact of inheriting money and making financial decisions under pressure Key conversations to have about super, beneficiaries, and retirement This is one of those episodes that can genuinely change how prepared you feel about your financial future.  So take one step this week. Check your super. Start the conversation. Get clear on what would happen. Because understanding what happens to super in the event of death is a really important topic.

This is the final episode in our three-part series where we go through end to end how to survive separation and divorce from a financial and emotional stand point. In Episode 32 of Her Money Matters, we unpacked what to expect emotionally and financially through divorce. In Episode 42 of Her Money Matters, we walked through property settlement and the financial decisions that come with it. And now… this is the rebuild phase. This is where things start to shift, and where you begin to find your footing again. This is hopefully where confidence starts to come back and for many women, where dating and repartnering enters the picture bringing both excitement and a whole new layer of financial decisions. In this episode, Naomi and Helene talk through the emotional and practical realities of life after divorce, from rebuilding your identity and confidence, through to navigating relationships again and avoiding the money mistakes that can come with them. In this episode, we cover: Mourning the loss of a relationship, identity and family unit Rebuilding confidence and stepping back into your sense of self The tension between freedom and fear when making decisions alone Guilt, especially around kids, and how it can influence financial choices Dating again after divorce and what to expect emotionally Repartnering, blended families and the realities behind the scenes The financial risks of repartnering, including debt and lack of visibility Practical money tips and red flags to watch when entering a new relationship This stage of life can feel like a mix of excitement, uncertainty, and everything in between: and it’s also where some of the most important growth happens. Take your time. Stay curious about yourself. Stay engaged with your money. And back yourself to make decisions that support the life you’re building next.

This week’s episode is a special one, I am so excited that this is episode 50!  How the has flown, especially when I think back to my first recording in June last year and how far the podcast has come since then. In our conversation for this episode, we focus on the cost of living pressure many households are feeling from multiple angles. Fuel prices have surged, with petrol sitting around $2.50 - $3.50 per litre and pushing even higher in some areas, driven by global supply disruptions and rising oil prices. At the same time, interest rates have continued to rise, with the Reserve Bank of Australia lifting the cash rate multiple times in recent months and the possibility of further increases still on the table. For homeowners, this is having a very real impact. Higher borrowing costs, rising everyday expenses, and tighter cashflow are becoming part of the day to day reality for many Australians. In this episode, I sit down with Sharon Bae, Founder of Artemis Finance, to unpack what is happening in the lending market right now: and more importantly, the five key reasons you may want to consider refinancing your mortgage. In this episode, we cover: What is driving interest rates and cost of living pressures right now How lenders price loans and why loyalty doesn’t always pay What happens when fixed rates expire and repayments jump How increased equity can unlock better loan options When your current loan no longer suits your life Using refinancing to simplify and reduce high interest debt A Loving Kick Up the Bum When costs are rising around you, it is easy to absorb it and move on. But your mortgage is one area where a small change can make a meaningful difference. Take the time to review it, ask questions, and explore your options — because the impact can be far bigger than you think. If this conversation has led you to consider whether refinancing could work in your situation, you can reach out to Sharon Bae via email at Artemis Finance: [email protected], or via the website: https://artemisfinance.com.au/

Your 60s are a decade where everything starts to shift where for many women we are considering the next phase of life - whatever that looks like - where you potentially have the financial freedom to choose whether or not you continue to work.  There are some women who can't wait to retire and head off into the retirement sunset, and others who could think of nothing worse than stopping what they love doing and want to work until they are no longer able. So in this episode, Naomi and Helene walk through the five things every woman needs to understand about money in her 60s:  from accessing your super, to making decisions about work, housing, family, and getting your affairs properly in order. In this episode, we cover: Turning 65 and what it unlocks: specifically relating to superannuation.  We talk about accessing your super, drawing lump sums, and creating new planning opportunities The big question: can you afford to stop working, and do you actually want to, including how much is “enough”  How income is built in retirement and the different options available to generate income, combining super, Centrelink, employment income, and other assets to create sustainable cashflow Housing decisions in your 60s - this is about downsizing, retirement living, or modifying your home, and the financial and lifestyle implications of each The realities of ageing parents and inheritances and understanding aged care costs, timing, and the options available for your  inheritance Getting your “life admin” sorted, including your  wills, super nominations, powers of attorney, and making sure your affairs are in order This stage of life is about making clear, informed decisions that support how you want to live, for this decade as well as the years ahead. There is a bunch of information in this episode to help you navigate the move from working to either reducing your working hours or retiring completely, so pick one area that is the most relevant to you and focus on that.  The future is yours!

This week's episode is the second in a three-part series: last week was what women in their 40’s need to know about money, next week will be about women in their 60’s - and this episode is all about the Fabulous 50’s! Women in their 50’s tend to find a new sense of freedom. The kids are moving on in life, you have a great sense of who you are and can be much more authentic, and many women are very comfortable in their own skin and so give no ‘F’s.  It is the decade where women get some time back in their life, and they can finally focus on themselves again. So in this episode, we’re breaking down the five things every woman needs to know about money in her 50s, with some great tips to help you embrace this fabulous decade and get your finances under control. In this episode, we cover: Why it’s not too late and how your 50s still offer a powerful window to strengthen your financial position The importance of building your asset base and understanding what you actually have working for you Why this is the decade to get serious about reducing debt and improving your financial flexibility What “things can get messy” really looks like, including things like menopause, illness, redundancy, divorce, and loss of a partner The financial and emotional reality of being part of the sandwich generation Your Loving Kick Up The Bum: If there is one thing to take from today, it is that you have more than enough time to make a difference to your financial future.  This is the decade to get involved, to understand where you stand, to make a plan, and to take action. So this week, pick one thing. Get a plan together to focus on what is going to make the biggest impact, focus on this, and define what you actually want your future to look like.  

Your 40s are often a decade of everything. Peak earning years, peak spending years, and peak responsibility years, and normally this is all happening at once. You might be raising teenagers, supporting ageing parents, navigating a relationship or separation, and stepping up in your career or business… all while wondering, “Am I actually on track financially?” This is the decade where money starts to feel different. For many women, this is the point where they realise they’ve been managing life… but haven’t fully stepped into their financial world. In this episode, Naomi and Helene break down the five things every woman needs to know about money in her 40s, combining real-life experience, practical strategies, and the mindset shifts needed to move from reactive to intentional when it comes to your finances. In this episode, we cover: Why your 40s are one of the most financially demanding decades of your life How major life events like divorce, career shifts, and caring responsibilities impact your finances The mindset shift from “I’ll deal with it later” to “I’m in the room now” The 5 biggest things that women need to know about money in their 40’s Each of these tips has practical tips that can be applied to help you apply it Your loving kick up the bum — how to pick one area and take action this week Pick one area from this episode that resonated with you — cashflow, debt, super, kids’ costs, or protection — and take one action this week. If you’d like help getting clarity and direction with your money, you can reach out: [email protected] www.hermoneymatters.com.au [email protected] www.hermindsetmatters.com.au

In today’s episode, Naomi and Helene are discussing one of the most common questions that gets asked - especially by women in their 40s and 50s. When you have got to the stage in life when you have some surplus cash every month, the million dollar question is ‘What do I do with this’?  Do you focus on paying down your mortgage so you can become debt free sooner, or do you contribute more to your super so it has longer to grow and support you in retirement? On the surface, both options make sense, however there are many factors to consider including things such as timing, tax, risk, lifestyle, and even how you think and feel about money. In this episode we cover The key difference between paying down your mortgage (certainty) and contributing to super (growth) How tax, interest rates and compounding impact the outcome of each strategy The psychology behind the decision — security, control and how we think about risk A simple real-life example comparing mortgage reduction versus investing in super How to decide where your next dollar should go based on your stage of life and goals This episode is inspired by Cher’s If I Could Turn Back Time - because the last things we want for any of our peeps is to have retreat about making the wrong decision and wish they could turn back the clock.   If this episode has sparked questions for you and you would like to get some help, you can reach out to Naomi and Helene to organise an initial discussion: [email protected] [email protected]

In this episode, Helene and I dive into something that affects a lot of women when it comes to money, career, and life decisions: and that is Imposter Syndrome.  We explore how Imposter Syndrome shows up in the financial world, everything from negotiating salaries and charging what you’re worth, to investing, building a business, or even just speaking confidently about money. We talk about how prevalent it is and especially with women, and the likely places in life that it will occur. We drill right down into the psychology of Imposter Syndrome, about why your brain event thinks it needs to do this in the first place, through to tips to reduce the impact. In this episode we cover: • What imposter syndrome is and why women are particularly prone to it • The role your subconscious brain plays in fear and self-doubt • How imposter syndrome can hold you back in many ways • How doing the “work” helps build new mental pathways and confidence We’d love to hear any real stories you have about experiencing Imposter Syndrome, so if you would like to send us your story shoot it through to [email protected]

In Part 1 of our International Women’s Day special, Naomi sat down with Natalie Previtera to unpack the gender pay gap and super gap and explore why women continue to retire with less. In this second episode, Naomi and Helene broaden the conversation and look at the bigger picture behind those numbers. International Women’s Day is a moment to recognise progress, but also to acknowledge the structural and societal factors that still influence women’s financial outcomes today. Many of the gaps we see in pay, retirement savings and investing are not random. They are the result of how work, care and financial systems have historically been designed. In this episode, Naomi and Helene unpack the key statistics behind these gaps and explore why conversations about financial equality for women remain so important. In this episode we cover: • Why International Women’s Day still matters and the theme of Balancing the Scales • The key statistics behind the gender gaps still affecting women and money • The care gap and why women continue to carry the majority of caring responsibilities • The impact of unpaid work and part-time employment on long-term financial security • The divorce gap and how separation can affect women’s income and financial stability • The investment gap and why women tend to hold more cash than growth assets We have also borrowed a word from Aretha Franklin - R.E.S.P.E.C.T.. In our IWD theme of balancing the scales for women and money, what we are really talking about is financial respect, and that includes respect for women’s work, women’s time, women’s contributions, and women’s futures.

This is a special podcast episode - one of a two-part series - marking International Women’s Day 2026.  I am joined by Natalie Previtera, CEO of NGS Super, and we focus on the United Nations theme for 2026, “Balancing the Scales” and what that means for women’s superannuation in Australia. Natalie shares both her professional insights and her personal story. We talk about leadership, confidence, Jon Bon Jovi, and how to bridge the 'Super Gap'.  Women continue to retire with less super than men, driven by career breaks, part time work, caring responsibilities and the gender pay gap.  Together we unpack the super gap, the confidence gap that can sit behind it, and four practical ways to strengthen your super: • Understand your fund, and consider making additional super contributions if this is appropriate for you. • Consolidate multiple accounts where appropriate. • Take appropriate risk aligned to your risk appetite and your timeframe. • Review your insurance inside super and ensure it reflects your needs. So this international Women's Day, Invest in yourself.  Your super fund is likely to be your biggest asset that is entirely in your own name, so take the time to familiarise yourself with your super fund, identify what is working and what is not, and as a minimum - take one proactive step to learn something more - that can help you bridge the Super Gap. Let's take some steps to Balance the Scales, and start building up more retirement savings in our own name. Disclaimer: This is general information only and may not be right for you, read NGS Super’s PDS, FSG,TMD and Insurance guide at ngssuper.com.au.

In Part Two of our Divorce, Money and Mindset series, we dive into the chapter that begins after the lawyers leave and the settlement is finalised. This is the phase that often looks “resolved” from the outside, yet internally you can feel very lost, lonely, unsure about the future and do not know who to turn to. We unpack the psychological and financial patterns that often show up after property settlement, including avoidance, impulsive spending, guilt with kids, and decision fatigue.  In this episode, we explore: • Why settlement money can feel terrifying instead of empowering • The “Settlement Parking Lot” and why procrastination is often protection • The emotional whiplash of spending after divorce • How guilt with kids can quietly derail financial progress • Decision fatigue and the loneliness of doing it alone The Hidden Benefit Exercise In this episode, Helene shares a powerful reflection tool called The Hidden Benefit Exercise. If you have been avoiding making decisions about your settlement money, this exercise helps you uncover what your brain believes it is protecting you from. Download the Hidden Benefits Exercise Here.   If this episode resonated with you or someone you know and you would like personalised support, you can reach Naomi at [email protected] or visit www.hermoneymatters.com.au and click contact; or Helene at www.hermindsetmatters.com.au or [email protected] 

SUPPORT OVARIAN CANCER AWARENESS: BUY YOUR TEAL RIBBONS FROM ANY TERRY WHITE CHEMIST OR THE OVARIAN CANCER WEBSITE In this important episode, we shine a light on Ovarian Cancer Awareness Month and Teal Ribbon Day, observed in Australia on 26 February. Ovarian cancer remains the most lethal female cancer in Australia, with around 1,500 women diagnosed each year and a five-year survival rate of just 49 percent. Despite these confronting statistics, awareness remains low, and there is currently no reliable early detection screening test. Joining me for this conversation is Dianna Pecherczyk, Partner at MBS Insurance and Senior Financial Adviser specialising in personal insurance. Together, we explore the dangers of ovarian cancer, the known risk factors, and the critical role that financial protection plays when serious illness strikes. What We Cover Understanding the Risk of Ovarian Cancer We unpack the key data points around ovarian cancer, including the impact of increasing age, hereditary factors, and family history. We also clarify common misconceptions, including the fact that routine cervical screening does not detect ovarian cancer. Turning February Teal We explain the purpose of Teal Ribbon Day, how you can get involved, and why starting conversations about ovarian cancer matters. Awareness is the first step. Preparation is the next. Personal Insurance Overview We provide a clear recap of the four key types of personal insurance and how they respond in the event of a cancer diagnosis. We also discuss what may be available beyond a payout, including support services and treatment-related benefits. The Financial Reality of Serious Illness Through two case studies, Dianna shares real-life examples of clients who claimed across life insurance, Total and Permanent Disablement insurance, trauma insurance and income protection policies. We explore what those claims meant for their families and how having protection in place created options, breathing space and dignity during extraordinarily difficult times. Wear the teal ribbon this February and support Teal Ribbon Day with us on 26 February.   Please start conversations with the women in your life so we can raise awareness, know your body and seek medical advice if something feels persistent or unusual, and understand your family history.     Also, take the opportunity to review your personal insurances. Check what you have inside your super, confirm whether you have life cover, TPD and income protection and consider whether you need additional cover outside super, and ensure the amounts are still appropriate for your stage of life. If you are unsure, seek advice. To contact Dianna Pecherczyk at MBS Insurance: [email protected] https://mbsinsurance.com.au/

Most women are already investors however many don't actually realise it. If you have a super fund, you are invested. The real question is whether your investments are structured in a way that supports what is important to you and where you are comfortable investing. In this episode, we unpack one of the most important principles in investing: diversification. Before you start choosing specific investments, before you explore themes or trends, this is where it all begins. Diversification is the foundation. When you build on the right foundations, everything else becomes clearer and more intentional. Once you understand diversification, you open up a world of options. Investing becomes less about guessing and more about designing a portfolio that reflects your goals, timeframe and values. In this episode, we cover: • What diversification really means  • Why diversification is the first step in building a strong portfolio • The psychology behind diversification and understanding the importance of learning to invest outside cash and property • How to diversify across different types of investments • How to diversify within investments, not just between them • The growing range of investment options now available to everyday investors For those who would like to explore the data further, I reference Global X’s publication The Australian ETF Landscape, which provides a detailed snapshot of how the ETF market has evolved in Australia and the breadth of investment options now available. You can access the report here: https://www.globalxetfs.com.au/australian-etf-landscape/ In this episode, I also refer to understanding your investment risk profile as part of building a diversified portfolio. If you would like a copy of a simple investment risk profile questionnaire to help guide your thinking, send me an email at [email protected] and I will happily send one through.

At some point in midlife, many women begin to feel unsettled in their career.  It may start with a little bit of restlessness, maybe it's a shift in energy drawing you towards something else, or even a sense that the career that once fit so well no longer reflects who you are today. In this episode of Her Money Matters, Naomi is joined by Pamela Lynn, Founder of The Pivot Space, to explore what it really means to consider a career change later in life. Together, they unpack: Why job satisfaction often dips in our late 40s and 50s, just as our experience peaks The impact of burnout, redundancy and career goals that may not have materialised How women can feel overlooked in midlife, even when they have the most to offer The confidence gap that emerges despite decades of capability The difference between chasing “more” and wanting something “different” How to turn 20–30 years of experience into a strategic advantage What an “Encore” career really means, and why it is definitely not about starting from scratch Practical steps to move from reflection to a clear, achievable plan When you have clarity about who you are, what you value, and what you bring to the table, you are often better positioned than ever to design work that fits the woman you are now. So if you are feeling ready for something different, or you are simply curious about what your next chapter could look like, this episode will help you think strategically about what comes next.

Lunar New Year is a time of renewal, intention and fresh starts, and in 2026 we step into the Year of the Fire Horse – a year symbolising courage, independence and forward momentum. In this episode, we explore what Lunar New Year traditions can teach us about money, and how to use this energy to get your financial independence moving in practical, grounded ways. We open with a pop-culture moment that captures the Fire Horse spirit: Alicia Keys’ Girl on Fire and her iconic performance at the 2012 Music Video Awards alongside Olympic gold medallist Gabby Douglas – a strong reminder of what it looks like when women step into strength, momentum and self-belief.  Here's how it went. https://www.youtube.com/watch?v=t0PvD9FoKfQ From there, we unpack how money shows up in Lunar New Year traditions, including red envelopes, prosperity rituals, clearing the old to welcome the new, and the symbolism behind the Lunar New Year banquet – from fish and dumplings to longevity noodles and orange citrus fruits. We translate these traditions into practical money lessons for real life and outline simple, doable actions you can take this year to build momentum toward financial independence, backed by Fire Horse courage. In this episode, we cover: What Lunar New Year represents and why it’s a powerful time for fresh financial starts The meaning of the Year of the Fire Horse and how to use its energy for money momentum How money traditionally shows up during Lunar New Year (red envelopes, prosperity rituals, renewal) The prosperity banquet and what each dish symbolises about abundance, growth and sustainability Practical, action-focused steps to move your finances forward this year Courage in action: facing your numbers, asking for help, and taking your first step We hope you like this episode.

Selling a property is one of the biggest financial decisions most of us will ever make, It's one of those things that most people will only do a handful of times in their lifetime. In this episode of Her Money Matters, Naomi is joined by Neville Katz, Founder of Katz Vendor Advocates, to unpack a role many sellers don’t even realise exists — the Vendor Advocate. Neville is the podcast’s first ever male guest (a milestone in itself), and his insights are grounded, practical, and refreshingly clear. Together, they explore what actually happens behind the scenes of a property sale, where sellers commonly lose money or confidence, and how having the right support can completely change the outcome. In this episode, we cover: What a vendor advocate does, and who they work for Why choosing an agent is one of the most critical decisions in the sale process The four pillars of Neville’s vendor advocacy service: Agent selection and market review Closing in on the right buyer Negotiation strategies — knowing when to hold and when to fold Managing the sale, contracts and settlement logistics The most common mistakes sellers make — and how to avoid them Why engaging support early leads to better outcomes and less stress The surprising truth about cost — and why using a vendor advocate doesn’t usually cost the seller anything directly This episode is essential listening for anyone who is thinking about selling in the next few years, as well as those supporting parents, friends or family through a property transition.   If selling a property is on your radar, this is the conversation to hear before you choose an agent.

In this episode of the Her Money Matters podcast, Naomi and Helene unpack why so many women avoid money, what’s really going on underneath that avoidance, and why it has nothing to do with intelligence or being “bad with numbers.” More often than not, it’s about feeling like it is a discipline or something you 'should' do, and that very often there are so many other things happening in your life that you just don't have the emotional bandwidth to deal with it. We explore the psychology behind money avoidance, the relationship dynamics that can reinforce it, and the subtle ways it erodes confidence over time. We talk openly about fear of getting it wrong, outsourcing financial decisions to a partner, over-researching instead of deciding, and the emotional cost of staying disengaged. In this episode, we cover: What money avoidance actually looks like in everyday life Why avoiding money is rarely about ability or knowledge The psychology underneath money avoidance and emotional safety Why these patterns show up more often in women The three most common money avoidance patterns we see What genuinely builds confidence with money We finish with our Loving Kick Up the Bum, with practical tips to help you take just one small step.  Confidence doesn’t come from knowing everything, it comes getting your hands dirty one little bit at a time.

Separation and divorce are emotionally demanding, but for many women it’s the financial side that can be the most confronting.  When stepping into the separation process, there is so much emotion and so much to consider.  Throw on top of that being asked to gather documents, understand financial disclosure, work with family lawyers, and make decisions that can shape your future - it is an incredibly challenging time.   To help understand what is needed, Naomi is joined by Julie Garis, Chartered Accountant, Forensic Accountant and Founder of Simple Split Financials, to unpack the financial realities of divorce.   In this episode, we cover: What financial disclosure really means in a divorce The key documents you need to gather and why they matter What forensic accounting is and when it is needed How missing or incomplete disclosure is identified We also discuss how Julie works alongside family lawyers, why financial and legal roles are different but complementary, and how the right support team can make this process feel more manageable.   If you know anyone who could benefit from this information, please consider sharing it with someone in your world — a sister, mother, daughter, friend, or colleague — who may be facing separation or divorce and could benefit from hearing this conversation.

In this episode of the Her Money Matters podcast, Naomi and Helene introduce the Love Your Super series — designed to help you  think about super based on your life story, and to try and imagine that your super fund is your best friend that follows your through life. In this theme, we explore the anthem of You're My Best Friend by Queen as our Pop Culture Reference, we really focus on your life timeline and that super has travelled with you through different jobs, employers, and stages.  We also cover why learning to love your super helps you make sense of market ups and downs, including 2025’s super fund returns. Naomi breaks down actual calendar-year performance, explaining how balanced super funds are designed to perform across market cycles, and why one negative year doesn’t mean something has gone wrong but it is a reason to check in with your fund. Helene then leads a conversation on the psychology of trust and money, and how feeling safe and connected leads to better financial decisions. To support practical action and to provide a simple tool to help uncover what’s really driving your money behaviours, Helene introduces the De Martini Benefits and Drawbacks exercise which you can find here:      We provide a risk profile tool to help you determine how much of your super fund you should have in growth assets versus defensive assets which you can find here:      In this episode we cover: Helping you to connect to your super fund and see it as a reflection of your life The actual 2025 super fund returns for Australian shares and Balanced funds The Top 5 performing balanced super funds in 2025 The top 5 performing balanced super funds over the past 10 years Why it matters and the difference in performance in actual returns on a balance of $100k over 5 years The Loving Kick Up the Bum Check in on your super like you would a trusted friend. Open your super app, review your 2025 performance, and get familiar as this will be one of the best things you can do to help the Future You. If you need help reading your statement, head back to Episode 21 or reach out to either Naomi or Helene if you need more help.

In this episode I’m joined by Brenda Will, a Financial Adviser and Aged Care Specialist from Bruining Partners, who works with families navigating aged care decisions every day. In our discussion, we focus on the role daughters so often play as parents age, and what the ageing journey typically looks like from your perspective. Statistically, women make up the majority of carers in Australia, most commonly in their late 40s and 50s, and very often it is the eldest daughter who steps into this role by default.    To ground the conversation, we reflect on The Notebook — a story often remembered as a great romance, but one that also shows the later-in-life reality of ageing, dementia and long-term devotion. It’s a powerful reminder that love doesn’t stop at romance; over time, it often turns into responsibility, advocacy and presence.   Together, we walk through the typical ageing journey — from independence in the early 70s, through increasing support needs, to more complex care decisions later in life — and explore how a daughter’s role often evolves at each stage. We talk openly about the time commitment, emotional weight and mental load this role can carry, and why planning early matters not just for your parents, but for your own wellbeing too.   In this episode, we cover: Why daughters so often become the default carers for ageing parents What the ageing journey typically looks like from your 70s through to later life How care responsibilities increase over time The emotional and time burden many daughters carry When and why getting professional support can make a meaningful difference If this episode strikes a chord and you are either going to be or are already involved in caring for your parents, consider which stage of the ageing journey they’re currently in, what support feels realistic for you right now, and where you might need guidance.    If you’re starting to feel unsure or stretched, reaching out for help early can ease both the emotional and practical load. Brenda’s details are included below if you’d like support navigating aged care decisions.   https://bruiningpartners.com.au/our_team/brenda-will/

In this episode of Her Money Matters, Naomi and Helene sit down to discuss the end-to-end journey of separation from both a mindset viewpoint as well as the financial considerations along the way.   We explore why money can feel really hard s you are just trying to survive going through separation, why due to the psychology and the emotion of divorce many women can freeze or even rush decisions, and how to move through the separation journey across the 5 different stages of separation.   Please note that this episode may not be relevant to you, but it might be really helpful for someone in your life.  If you know someone that is going through separation or divorce, please share this with them. Sometimes the most powerful support is just letting someone you care about know that they are not alone.   This is Part 1 of a two-part series, focusing on the separation process itself. In a future episode, we will turn our attention to rebuilding, life after separation, and creating your next chapter with confidence.   In this episode, we cover: Why money feels like the last thing you want to focus on during separation  How stress and emotional load can impact financial decision-making Common money behaviours during divorce and what’s driving them The stages of the separation journey and what support helps at each point Why mindset and financial guidance need to work together This episode is for you if: You’re going through separation or divorce and feel stuck, frozen, or overwhelmed You’re trying to make financial decisions while managing big emotions You support someone navigating separation and want to understand what they’re experiencing You want reassurance that you’re not broken — you’re human We hope that there is lots of practical and helpful tips throughout the podcast, and that I can help you navigation this very emotional time in life.

Retirement planning can feel like something Future You will deal with… the version of you who has more time, more headspace, and somehow feels magically ready. But the truth is, Future You is hoping Present You starts paying attention now because the choices you’re making today around cashflow, lifestyle, and getting organised are exactly what shape how the next chapter feels.   In this episode, I’m joined by the wonderful Jacqui Clarke - adviser, business owner, and author of Stop Worrying About Money - for a great conversation about retirement planning.    What We Cover in This Episode Why retirement planning starts with Future You and the decisions you’re making today How to get your 'financial house' in order before thinking about retirement Understanding cashflow, income and 'open the front-door costs' How lifestyle creep can derail retirement plans The key decisions that shape retirement, including housing, surplus cashflow and super There’s also a nod to The First Wives Club, because midlife is often the moment when you realise no one else is coming to sort this out for you. Just like the women in the movie, retirement planning is about stepping into your power, getting organised, and designing the next chapter on your own terms and ideally without the drama!   If you’ve ever thought, “I know I should look at this, I just don’t know where to start,” this episode is for you. 

Welcome to the back to school edit!  In this episode we take a step back and look at the real cost of education, including the mindset behind how those decisions get made. In this episode, we break education spending into three key stages: High school education costs — what families really pay under the public system, Catholic schools, and independent schools, and why high school is often where education becomes a meaningful cashflow decision. University costs and HECS-HELP — how much a typical degree costs, how the HECS system works, and the long-term impact of paying upfront versus carrying education debt. Helping the next generation — the role parents and grandparents often play in funding education, and how options like education bonds can provide a structured and intentional way to support future learning. Throughout the episode, we come back to the mindset piece — the psychology of competing priorities, finite resources, and the expectations we carry as parents and grandparents. Education decisions are rarely just about numbers. They’re about values, roles, and choosing how your money supports the future you care about. If this episode sparked a thought or a conversation, please share it with someone navigating school fees, HECS decisions, or supporting the next generation. And if you’d like help understanding how education fits into your broader financial picture, Helene and Naomi are here to help - reach out via the website: www.hermoneymatters.com.au

This episode is Part Two of our two-part goal-setting series for 2026, and it’s all about what happens after the inspiration fades. Last week, we talked about why goals matter, the psychology behind them, and how to get clear on what you want through things like vision boards and manifestation. This week, we move into the real work, which is how to stay on track. Joined by my partner in crime, Helene Psarakis, we unpack the systems, structures and behaviours that actually help goals survive real life. We talk about why motivation isn’t enough, how habits and small steps create momentum, and why accountability can dramatically improve follow-through. We also dive into the importance of recording and tracking your goals, the role automation can play in reducing friction, and how to set yourself up for consistency rather than perfection. Along the way, we bust the 21-day habit myth, share the research that really matters, and give you practical ways to put all of this into action. And yes — we bring in a little pop culture fun with I’m So Excited by the Pointer Sisters, because that feeling of excitement doesn’t come from thinking about goals. It comes from knowing you’ve started. In this episode, we cover: Why staying on track is harder than setting goals The psychology behind habits, small steps and consistency How recording and tracking goals increases follow-through Why accountability buddies work — and how to use them properly The truth about habit formation and the 21-day myth How automation removes friction and supports progress Practical ways to keep goals alive throughout the year If you set goals for 2026 and want to actually achieve them, this episode will help you put the right structures in place — without pressure, guilt or unrealistic expectations.

Welcome to the first episode of 2026. Every January, we dust off the same New Year’s resolution playbook. Do better. Be more disciplined. Finally get your money sorted. And every year, most of those resolutions quietly disappear by the end of January, leaving a familiar mix of frustration and self blame behind. In this episode, I talk about why that happens, and why it has very little to do with motivation or willpower. Resolutions are usually disconnected from real life, especially for women in their forties, fifties and sixties who are juggling work, family, money, ageing parents and everything else that comes with this stage of life. We dig into why money resolutions feel particularly heavy, how deeply held beliefs and identity shape behaviour far more than good intentions, and why chasing outcomes without changing how you see yourself rarely leads to lasting change. From there, the conversation shifts to a different approach. I break down the science behind manifestation in a practical, no nonsense way, focusing on what actually works. We talk about focus, visualisation and emotion, why clarity matters, and how tools like vision boards and designing your ideal day can help turn intention into action when they are grounded in reality. This episode is about starting 2026 without the pressure to fix yourself. It is about designing your days with intention, building momentum in a way that feels sustainable, and creating a year that supports the life you actually want to live.   Here is the link to The Wheel Of Life https://cdn.moble.com/w/1847/2293062/file/wheel-of-life-coaching_0c909efaa5323.pdf

As we wrap up 2025, we’re revisiting the episode that resonated more than any other this year - Episode 16: Are You a Spender, Planner or Avoider? The 5 Money Personas and the Limiting Beliefs Holding You Back. This conversation struck a chord because it helped women see themselves clearly, in the behaviours, habits, and the stories we carry about money. In this episode, we unpack the five core money personas, how they show up in everyday life, and the beliefs that can either support your progress or hold you back. What really made this episode a standout was the pop-culture reference we used to tie it all together. With Sex and the City as our theme, we explored how Carrie, Charlotte, Miranda and Samantha each represent a different relationship with money, and why recognising yourself in one of them can be surprisingly powerful. It was a heap of fun, and gave language to something many women feel but rarely articulate. If you’re hearing this for the first time, this episode will help you understand why you make certain money decisions and where small shifts can make a big difference. If you listened earlier in the year, this is a great moment to reflect on what’s changed and what you might want to take with you into 2026. This is our final episode for 2025. Helene and I will be back in person next week to kick off the first episode of 2026, and we cannot wait to continue the conversation with you. And please remember… Your Money Matters, Your Future Matters, and You - You Matter. See you in 2026.

As we ease into the Christmas break — that magical time where no one knows what day it is and leftovers count as a meal — we’re revisiting one of the most popular episodes of the year. Coming in as our second most-listened-to episode is Why Super Needs to Be Your Super Hero. And we are not surprised this was one of the most listened to episodes. Superannuation is one of the most powerful financial tools available to women — yet it’s also one of the most misunderstood. In this replay, Naomi pulls together 20 minutes of the very best moments from the original episode, breaking super down in a way that’s practical, relatable, and actually makes sense. Using the idea of super as your financial cape, this episode explores why we want super to be the hero of your future — not the villain quietly eroded by fees, poor performance, or neglect. Naomi also challenges listeners to think differently about their super by giving it a superhero identity of its own (hers? Lara Croft — bold, strong, adventurous, and absolutely not here to play small). In this replay, we cover: Why super really matters — especially for women Why you need to actively care about it (even if retirement feels far away) What makes super such a tax-efficient structure How much choice you actually have when it comes to your fund The different types of contributions you can make How and when you can access your super And the pop culture tie-in to Bonnie Tyler’s Holding Out for a Hero — because your super really can be exactly that We’re taking a short festive breather, but Naomi is still around if you need support over the break. And from both Naomi and Helene — thank you for being part of this community. 🎄 Wishing you a very Merry Christmas and a safe, happy festive season. 🎙️ We’ll be back with a brand-new live episode on 5 January. Because your money matters — and so do you.

If there was ever a time to channel Madonna and belt out Holiday — it would be so nice! — it’s the festive season. Between the Christmas chaos, end-of-year burnout, and the annual migration to beaches, airports, and relatives’ spare rooms, the silly season can be a very expensive time to “celebrate.” In today’s episode, we’re talking all things festive travel — the real costs, the hidden costs, and the “I did not budget for this!” costs. Whether you're heading up the coast, flying interstate, or just trying to escape your own kitchen, we’re breaking down how to plan, budget, and enjoy your holiday without coming home to a financial hangover. We are taking a page straight out of Madonna’s book, because if Holiday taught us anything, it’s that taking a break should feel joyful, simple, and liberating — not stressful, guilt-ridden, or funded by a credit card you’ll resent until Easter. We’ll cover: • Why festive-season expenses creep faster than a heatwave • Clever ways to plan your travel budget (that actually stick) • How to avoid blowing the cost-of-living Christmas budget • Smart money moves for accommodation, transport, food and the sneaky extras • And how to start the new year feeling refreshed — not financially frazzled So grab an iced latte, put on your favourite summer playlist, and let’s make this year’s holiday feel less like a financial avalanche… and a little more Madonna-level fabulous.

When we think about insurance, most of us picture paperwork, premiums, and things going wrong. But behind every policy is something far more meaningful: real people, real families, and real moments where life suddenly changes, and the right cover becomes the difference between crisis and stability. In this episode, Naomi sits down with Jacqui Lennon, Chief Technology and Transformation Officer at Zurich Insurance Australia, to explore the deeply personal side of insurance — the part we don’t talk about enough. Jacqui has seen first-hand working with customers at their most vulnerable: illness, injury, loss, recovery, and everything in between. She’s encountered what happens when people do have the right cover… and when they don’t. Together, they dive into: The life moments where insurance steps in and holds things together Real client stories that show how a claim can change someone’s path, from medical crises to unexpected life twists Why GoFundMe shouldn’t be your financial plan The emotional decisions we make about insurance, and why so many women put it off What the four major covers — Life, TPD, Trauma, and Income Protection — are actually designed to protect This episode is all about understanding the heart behind the cover — how insurance supports you when the rest of life feels uncertain, and why building this safety net is one of the most powerful gifts you can give yourself and the people you love.

As the year winds down and the champagne starts calling, so does that little voice in your head asking, “Is this really what I want to be doing next year?”   In this episode, Naomi and Helene dive into the end-of-year phenomenon that has so many people standing at a career crossroads — weighing up whether to stay, go, or reinvent themselves altogether. December is bonus season, reflection season, and, for many, career-questioning season.   Naomi marks one year since her redundancy — and what a transformation it’s been, moving from corporate life to self-employment. Helene’s done the same, and together they unpack what triggers people to think about changing careers, how to recognise the signs it might be time, and what to consider — both financially and emotionally — before making a move.   They also dig into the latest Australian Bureau of Statistics data, which shows that 40% of Australians have been in their jobs for just one to four years, and 8.5% of women changed jobs last year, mostly for better opportunities, family reasons, or improved work conditions.   And of course, in true Her Money Matters style, there’s a pop culture nod — this time to The Clash and their 1982 anthem “Should I Stay or Should I Go” — because sometimes, deciding whether to stay or leave a job feels exactly like that.   So if you’ve been feeling restless, stuck, or just curious about what’s next, this episode is your permission slip to reflect, reassess, and maybe take that first step toward something new.

If you’ve never been to a live podcast recording, picture this: fifty powerhouse women, a packed pub, a few glasses of wine, and a whole lot of laughter, energy, and inspiration flying around the room. We recorded this podcast in one take, with a LIVE audience - the audio fed straight into our computers.   This was recorded the day after Melbourne Cup, and we packed out the room with 50 incredible women from the Balmain Rozelle Chamber of Commerce who were ready to swap champagne flutes for goal sheets and channel their 2026 ambitions. With The Power by Snap! as our pop culture reference, we turned up the volume (literally) on what it means to set goals that align with your values, habits, and vision for the year ahead. We went through a couple of activities live which you can find in the resources below and talked about the importance of setting your goals early, and making sure they are SMART.   Now while the concept of setting SMART goals sounds simple, turning broad intentions into clear, measurable goals is often the hardest part and where most of us get stuck. Then came the magic moment: we asked everyone in the room to write down their 2026 goals. Some focused on fitness and wellbeing (including a future yoga teacher in the making), others on home renovations or creating more balance with family, and some were focused on growing businesses, increasing income, or taking brave steps into new ventures. Different goals, same thread — each reflected courage, clarity, and the determination to make next year count.   ⚡ Download & Get Involved Keep the momentum going with our free downloads: 📝 Goal Setting & Values Activity Sheet – https://www.thinkbowl.com.au/wheel-of-life-her-mindset-matters?qr=view 🎯 DL Flyer + QR Code – GOALS FROM OUR ATTENDEES Start my second business in Europe and Asia Pacific before the new year, website and media packs by end of January and first clients in Feb and continue to expand with incremental and measurable goals My goal is to set my SMART goals for 2026 - sitting here today I realize I need to spend time on clarifying this Increase income within the next 12 months by $100,000 To build my team to senior roles so I can have time off with my kids during school holidays Sell house in February for $xxm My Goal is to drop down to working 5 days a week by June 2026 Make $10,000 per month net by the end of the year A better understanding of my finances being a single women in my 50’s Renovate our house by Dec 2026 Home Renovation finished by Christmas Get married in September in Whistler Do yoga teacher training by September 2026   🎧 Press play and feel the power. Because when women back themselves, set direction, and share the journey — that’s when the real magic happens. 👉 Listen now, and use the QR code in the flyer to send us your 2026 goals.