Her Money Matters

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.

For most of us, opening our super statement lands somewhere between “mildly overwhelming” and “absolutely not today.” In this very real and surprisingly empowering episode, Helene opens her actual superannuation statement live on the podcast — giving all Avoiders a soft place to land. Naomi walks through the 6 key things your super statement is trying to tell you — Fees, Investments, Performance, Contributions, Insurance, and Beneficiaries — breaking down what they mean in simple language, why they matter, and how to turn a yearly dread into a moment of clarity. Together, they unpack why our brains avoid financial information, how curiosity rewires money confidence faster than you think, and the small mindset shifts that turn “free-falling” into taking back control of your future self. This week’s pop-culture throwback is Tom Petty’s “Free Fallin’” (1989/1990) — the perfect anthem for the emotional rollercoaster of pretending you’re fine while things feel chaotic underneath. Just like Tom, many of us look calm while quietly avoiding the numbers… until today. By the end of this episode, you’ll know exactly what to look for on your super statement, why even one small action counts, and how awareness always costs less than avoidance. Your future self will thank you.

Ever caught yourself wondering whether to stay, renovate, or move - but felt unsure where to even start? Before you call the agent or start planning that kitchen makeover, this episode of Her Money Matters is a great place to start. I’m joined by professional Property Valuer Belinda Botzolis, who takes us inside the world of property valuations.  We cover off what they really mean, how they’re done, and why understanding your home’s true worth can help you make every decision with more clarity and confidence. Inspired by Flo Rida’s hit “My House”, we’re talking about what it really means to own, love, or leave your home, and how a proper valuation can help you decide whether to marry it, spruce it up, or move on. We’ll break down why valuations differ from real estate appraisals, the surprising factors that influence your home’s value, and the practical steps you can take to get the most accurate result. Whether you’re refinancing, renovating, downsizing, or just curious, this episode will help you make informed choices about your biggest asset. 🎧 So kick back, press play, and welcome to your house — because knowing what it’s worth is the first step in shaping your financial future.

Let’s be honest: Christmas shopping can bring out the best and worst in us. One minute you’re full of festive cheer, the next you’re panic-buying matching pyjamas, random gadgets, and “funny” mugs that no one actually needs and it all just ends up wasted, in landfill. In this episode, we unwrap why we keep giving our kids shitty Christmas presents and how to stop this perpetual pattern. We’ll dive into the psychology of giving (spoiler: it’s more about us than them), why buying “stuff” makes us feel momentarily generous, and how to rewire our thinking so gifts become meaningful, not mindless. We cover off three buckets of gifts depending on your budget:  <$100 $100 - $500 $1,000+ So listen in to discover gifts that will help your kids into the future, or why the gift of giving to charity can be so fulfilling.  We do have lots of fun in this episode and we will have you laughing, reflecting, and maybe cancelling that Amazon cart.  The best gift you can give this year isn’t necessarily something they’ll open… it’s something they’ll grow from. So pour the eggnog, crank Mariah, and let’s make this the year we end the reign of crappy Christmas gifts — for good. 🎄

In this episode of Her Money Matters, we’re diving into one of the most accessible and empowering ways to invest — Exchange Traded Funds, or ETFs. Whether this is your first time hearing the term, or you’ve already got a few on your radar, this episode will break it all down — what ETFs are, how they work, and how you can use them to build a diverse, affordable portfolio. Naomi is joined by Jessica Leung, Portfolio Manager at Global X, to explore the ins and outs of ETFs, including: What makes ETFs different from managed funds and individual shares How to choose and buy ETFs Real examples like the Global X Australia 300 ETF (A300) and Global X US 100 ETF (U100) The risks to be aware of — and how to manage them Why ETFs have become one of the fastest-growing investment options in Australia And yes — we even have a little fun with Madonna’s Material Girl along the way. 💬 Want to learn more about your own investment comfort zone? 👉 Take the Risk Profiling Questionnaire on our website to understand what kind of investor you are: 🔗 https://www.hermoneymatters.com.au/resources 📊 Keen to explore the latest ETF insights and trends? Download the Global X Australian ETF Landscape Report here: 🔗 https://www.globalxetfs.com.au/australian-etf-landscape/

Divorce is one of those life events that no one plans for, but many of us face. In Australia, almost 50,000 couples separate each year, and the average age for divorce sits squarely in the mid to late 40s. It’s a big emotional and financial shift, and while it can feel daunting, understanding the process can make all the difference. In this episode, I’m joined by family lawyer Sam Lewis, Founder of Lewis Family Lawyers.  Sam walks through the entire divorce process, explaining what you need to consider, why it is so important to be clear upfront what outcome you are seeking, and she walks through the legal process: building your balance sheet, assessing both financial and non-financial contributions, considering adjustments like income and health, and making sure the final split is fair and equitable. We also explore a client story that shows how these steps play out in real life — and the small, practical actions that can make a big difference along the way. Divorce doesn’t apply to everyone, however ~45% of marriages end in divorce.  So, whilst this episode might not directly apply to you, but it may be helpful for you to know in case you need to support a friend or family member got through the process.  If you would like to connect with Sam for legal support, her details are [email protected] or the website https://lewisfamilylawyers.com.au/.  For money coaching and financial guidance during separation, reach out to me at [email protected] or visit hermoneymatters.com.au. And if you found this episode helpful, please share it with someone who might need it and follow Her Money Matters on your favourite podcast platform, because no one should have to go through this alone.

We can all identify with a money persona: which is like a financial personality type, and each one comes with its own strengths, blind spots, and deeply ingrained habits. We discuss 5 different money personas and how they help us understand how we handle money day to day, and how they are tied to the beliefs we hold about ourselves and what’s possible for our future. In this episode of Her Money Matters, Naomi and Helene explore how money personas develop, the limiting beliefs that keep us stuck, and the habit loops that quietly run our financial lives. From the Spender’s “I deserve this” mindset to the Helper’s “It’s selfish to put myself first,” these beliefs shape the choices we make often without us realising it. Out link this week is to Sex and the City, and how each of the women had a completely different relationship with money. From closets full of shoes to high-powered careers, romantic entanglements, and big business moves, their financial choices were as unique as their personalities. That’s the beauty of money personas: they show up in all kinds of ways, sometimes glamorous, sometimes messy, and often more familiar than we’d like to admit. By the end of this episode, you’ll be able to identify our dominant money persona, recognise the beliefs driving it, and start reshaping your habits so they work for you, not against you. 

Over the next two decades, trillions of dollars will move from one generation to the next, and women will be at the centre of it. From inheritances and divorce settlements to entrepreneurship and family wealth, women are increasingly stepping into the role of financial decision-maker. In this episode, I’m joined by Maria Lykouras, former CEO of JBWere and the force behind the Growth of Women and Wealth white paper. Together, we explore what this historic shift means for women, families, and the generations to come. We unpack the “eldest-daughter effect,” the rise of the Bank of Mum and Dad, why self-education is so important, and the three key things every woman should do to be ready when money flows her way. Maria has chosen Janet Jackson’s Control as her pop culture pick, which is  a perfect anthem for women taking ownership of their financial future. Just like Janet, it’s time to say: “I’ve got my own mind, I want to make my own decisions.” We discuss two white papers that Maria commissioned - here are the links to both. https://www.jbwere.com.au/content/dam/jbwere/documents/campaigns/JBWere-Growth-of-Women-and-Wealth.pdf https://www.jbwere.com.au/content/dam/jbwere/documents/campaigns/JBWere-Bequest-Report.pdf Tune in and discover how to prepare, where to start, and why having the right information will build your confidence to prepare you for when the time comes.

Retirement isn’t just about stepping away from work: it’s about designing the LIFE you want to live. So much of preparing for retirement is about the financial preparation, however there is arguably a more important aspect - the emotional or psychological transition.  In this episode of Her Money Matters, Naomi Holmes and Helene explore what it really means to design your retirement life, drawing on Naomi’s four-step LIFE framework. Inspired by David Bowie’s Ch-ch-ch-changes and that retirement is one of the most significant events in a person’s life, this conversation dives into the non-financial side of retirement. The LIFE framework breaks retirement design into four steps: L – Lifestyle & Wellbeing: Creating daily routines that support the life you want, while prioritising health as your real wealth. I – Identity & Purpose: Exploring your ‘who-ness', and finding the “why” that makes this next chapter meaningful. F – Financial & Security: We don’t unpack this piece in today’s episode, but it’s part of the bigger picture, the element of knowing your resources are secure so you can live with confidence. E – Engagement (Social & Relationships): Staying connected through friendships, community, and family, because your relationships matter just as much as your retirement plan. Together, Naomi and Helene share insights, examples, and practical ways to start preparing 1–2 years before retirement.  You will have everything you need to know so that when the time comes, you are completely prepared and ready to jump into retirement with open arms.

Saving money often feels impossible — like MC Hammer says, “Can’t touch this.” But what if $10,000 in a year wasn’t a dream, but a plan? In this episode of Her Money Matters, Naomi breaks down the psychology of why saving is so hard — why our brains crave instant rewards, why we avoid long-term goals, and how to flip the script by linking your savings to your values. Because when your goals align with what really matters — security, family, freedom, adventure — saving suddenly feels worth it. Naomi then counts down 10 practical, bite-sized ways to save $1,000 each, from switching mortgages and shopping around your insurance, to meal planning, packing lunch, and even side hustles you can start tomorrow. Ten steps, $1,000 at a time, adds up to your $10K year — and to more choices, more confidence, and more freedom with your money. What you’ll learn in this episode: Why saving feels so hard (and how to change that mindset). How to tie savings goals to your personal values. 10 practical, real-world strategies to save $1,000 each. How small, consistent steps lead to big wealth over time. Saving $10K isn’t untouchable. You can touch this.  Follow the show so you don’t miss an episode. Visit hermoneymatters.com.au or email [email protected] for coaching and courses. Share this episode with a friend — because your money matters, your future matters, and you matter.

Money touches every part of our lives, yet most of us were never formally taught how to deal with it. We’re expected to just “know,” but the truth is, for many women, money becomes something we avoid and a big part of this has to do with our mindset. In this episode of Her Money Matters, Naomi is joined again by Helene Psarakis to explore how your values and beliefs shape every financial choice you make. Together, they unpack why discipline isn’t the answer, why alignment is, and how to uncover your true colours so your money reflects what matters most to you. You’ll learn: What values really are Why certain values can hold you back from engaging with money How to determine your own highest values using Dr. John Demartini’s Values Determination Process Practical ways to link your values to money habits so they stick Why “getting money on the way, not in the way” is the key to thriving financially The big takeaway from this episode, is when your values and money aren’t in harmony, money becomes something you avoid. However when they are aligned, money becomes a powerful tool to help you live those values more fully. 🎧 Tune in, and let your true colours shine through your money choices.

In this episode of Her Money Matters, Naomi is joined by the fabulous Helene Psarakis for a deep dive into the kind of debt we don’t talk about enough—mortgages. Inspired by Salt-N-Pepa’s iconic anthem, this episode injects a bit of fun on debt and brings the sass, the stats, and the solutions. You’ll learn: Why “No Debt by Retirement” should be your new mantra The 5 levers that can save you hundreds of thousands on your mortgage How to renegotiate your rate, restructure your loan, and supercharge your repayments Real-life examples that show how small changes = big savings Whether you’re refinancing, downsizing, or just starting to pay attention, this episode is your wake-up call. You’ll walk away with practical strategies that could shave years off your loan and save you hundreds of thousands in interest.   So grab your banking app, turn up the volume, and let’s talk about debt, baby!

If you’re helping Mum or Dad navigate the move into aged care, or starting to think about what your own retirement years might look like, this episode is for you. The journey through later life is rarely straightforward. One moment your parents are in the Active Years, still independent and enjoying freedom, the next they’re stepping into the Quiet Years where routines slow, and before long you may find yourself supporting them through the Frailty Years where care and decisions about living arrangements become essential.   In this episode of Her Money Matters, I’m joined by aged care expert Danni Dixon of Aged Care Steps to unpack what we call the Ageing Journey. Much like the Time Warp in The Rocky Horror Picture Show, moving through these phases can feel like a series of sudden steps and spins — sometimes to the left, sometimes to the right — and it’s easy to lose your footing if you don’t know the moves.   We’ll explore: The three phases of the ageing journey and what to expect in each phase Housing and accommodation options as needs change Why a support network matters more than you think The key financial and estate planning considerations along the way Where to turn when aged care gets complex, and how to get the right help Whether you’re planning your own future or supporting your parents through theirs, this episode will give you the perspective and practical tools to step confidently through the twists and turns of later life.   🎧 Tune in, because just like the Time Warp, once you know the steps you can keep your balance — even when the journey takes you somewhere unexpected.   👉 If you’d like help with your own retirement planning or navigating the sandwich generation, you can contact me at hermoneymatters.com.au  or directly at [email protected].   👉 For specialist aged care guidance, you can reach out to my guest Danni Dixon at Aged Care Steps — you can reach her at [email protected].

It’s my birthday week, and every year I use this moment as my own personal checkpoint — a time to pause, look back at the year that’s been, and set fresh goals for the year ahead. That’s why we’re talking about goal setting this week — because just like Bon Jovi sang, “It’s my life, it’s now or never” — the best time to get intentional about your future is now. In this episode of Her Money Matters, I’ll share why I choose my birthday as my annual reset, and how you can pick a date that works for you — whether it’s your birthday, New Year’s Day, 1 July, or any date that feels meaningful. Together we’ll explore: Why goal setting is the single most important step in creating the life you want The psychology of motivation (and why action comes before inspiration) How to use the SMART framework to turn vague dreams into achievable plans What meaningful goals look like for women progressing towards retirement Tools and accountability strategies to actually follow through By the end of this episode, you’ll be ready to choose your own date, set goals that matter, and start building momentum. As Bon Jovi sang: it’s your life, it's now or never, and your goals deserve more than “someday.”

Your super is one of the most powerful tools you have to build wealth, but it can just as easily work against you if you ignore it. In this episode of Her Money Matters, we’re diving into everything you need to know about super, from what it is to how you can make it work harder for your future. You might not think of your super as a superhero, but it has the power to be one of the greatest financial forces in your life. However it can also turn into a bit of a villain if you leave it to its own devices. In this episode, we’re diving into what super actually is, how it works, and why giving it a little attention now can make a big difference down the track. You’ll learn: Why should we care about it and what makes it so attractive What happens if you don’t pick a fund (and why that’s still a choice) The difference between industry, retail and SMSFs How and when you can access your super Channelling Bonnie Tyler, "If you’ve been holding out for a hero" this episode will show you that your super might just be it. 🎧 Subscribe to Her Money Matters for more real conversations about money, or head to hermoneymatters.com.au if you’d like a hand getting your super sorted through 1:1 coaching.

What happens when you realise you’ve been playing by someone else’s rules with your money and it’s time to take the pen back and write a new story?   In this episode of Her Money Matters, we use Chris Isaak’s haunting Wicked Game as the soundtrack to a conversation about regaining control, rebuilding confidence, and designing a financial future on your own terms. You’ll hear: • How financial control can creep in and how to recognise when it’s happening • Helene’s inspiring story of reclaiming her independence and rewriting her financial life • The practical steps that helped her move from confusion to clarity and confidence • Why knowing your numbers is one of the most powerful tools for freedom and choice   By the end of this episode, you’ll feel uplifted and inspired by what’s possible when you decide to take ownership of your money and your future.   If you’d like support in building clarity and confidence with your finances, you can find out more about coaching at: https://www.hermoneymatters.com.au/coaching   So join us for this powerful episode because you deserve to be in the driver’s seat of your financial life, and it’s never too late to take it back.

We all have a money story. It’s shaped by our upbringing, what we learned (or didn’t) about money, our life experiences, and the beliefs we’ve carried along the way. And the good news? Your story isn’t fixed.    In this episode of Her Money Matters, we’ll use a little pop culture nostalgia—yes, we’re talking The NeverEnding Story—to unpack why your financial past doesn’t have to define your future. You’ll discover: • How your upbringing shapes your beliefs about money • Why education is key to rewriting your financial story  • How your lived experiences with money influence the choices you make today • The most common limiting beliefs that hold women back—and how to start challenging them   You’ll also hear a powerful real-life story of a client who completely transformed her money mindset and changed her trajectory—and how you can do the same.   💡 At the end of this episode, you’ll feel clearer on your money story, more confident about what’s shaped it, and ready to start writing a new chapter—one that puts you in charge of the ending.   👉 If you’d like support in unpacking your money story or building a clear plan for what’s next, you can find out more about coaching at: https://www.hermoneymatters.com.au/coaching   So tune in, grab a notebook, and let’s dive into your money story—because it’s never too late to change the narrative.

In true Independent Women fashion, this episode is all about learning what most of us were never taught: what you need to know about investing and demystifying the jargon. Destiny’s Child gave us the anthem, but being an independent woman today also means knowing how to invest, build wealth, and make confident financial decisions. So in this episode we will focus on: The four main asset classes What benchmarks are really telling you Why compound interest is the quiet achiever of the investing world And how one woman’s $10K inheritance could’ve turned into $237K if only she’d known what to do with it This isn’t about being perfect. It’s about being informed so that when the money does land in your lap, whether through inheritance, divorce, or decades of hard work — you’ll be ready. 🎶 You’re an independent woman. Let’s make sure your money is too.

We often think wealth is about earning more but the real magic happens when you keep more of what you earn. That’s where surplus cashflow comes in. It’s not flashy, but it’s one of the most powerful ways to build long-term financial security, and it’s completely within your control.   In this episode of Her Money Matters, we break down why surplus cashflow is potentially the single biggest key to building wealth. You’ll learn: Why earning more doesn’t always mean getting ahead What surplus cashflow actually is (and why it’s not about restriction) How to spot the hidden leaks in your money habits And how a few simple tweaks can help you create the breathing space to save, invest, and plan for the future We’ll also talk about how to reframe budgeting—so it feels less like punishment and more like empowerment.   💡 Need a tool to help you get started? I’ve included a link to the MoneySmart Budget Planner, a free and practical tool that makes tracking your money simple and clear. 👉 https://moneysmart.gov.au/budgeting/budget-planner   If you’d like help getting clear on your cashflow and how to use it to build the life you want, I offer personalised financial coaching. You can find out more at: 👉 https://www.hermoneymatters.com.au/coaching   So tune in, grab a notebook, and let’s start showing you the money—because wealth starts with what you keep.

We all have a vision of what retirement could look like—slow mornings, blue skies, freedom to do what you love (and none of what you don’t). But how do you go from daydreaming to actually designing a retirement that works?   In this episode of Her Money Matters, we unpack what it takes to turn sweet dreams into reality. We’ll walk through the key questions you need to be asking right now: When will you retire? How much income will you need? (This is where we find your number.) And how much capital will you need to make that income last?   Once we’ve explored those pieces, we’ll talk about how to start building a plan that’s clear, doable, and designed just for you. Because your dream retirement shouldn’t be left to chance—it should be shaped by choice.   If you would like help planning your own retirement, I offer personalised financial coaching sessions.  You can find out more at: https://www.hermoneymatters.com.au/coaching.    So tune in and let’s start connecting your numbers to your vision—because sweet dreams are made of this.   SHOW MENTIONS:   ASFA 'Moderate Versus Comfortable Lifestyle' https://www.superannuation.asn.au/wp-content/uploads/2025/06/ASFA_Retirement_Standard_Budgets_Mar_25_quarter.pdf