Money with Alpha

Episode summary: Debt isn't usually the problem. Confusion about debt is. In this episode, Alpha walks through five things she wants every woman to understand about debt, from what you actually want it to do for you, to how to use a credit card so it earns you interest instead of charging you any. It's a mini masterclass on getting clear about debt so it serves you, not the bank. What's covered: Why clarity comes before action when it comes to money (and why "diving in" and "avoiding" come from the same place) What you actually want debt to do: consume or grow The real difference between good and bad debt, and why the interest rate tells the whole story The habits and identity around repayment, and why the minimum payment is built for the bank, not you How debt and cash flow are the same conversation Using a credit card so it earns interest in your favour Why the things banks don't tell you are usually the things that matter most Resources mentioned: The loan calculator inside the Prosperess app (play with extra repayments, fortnightly vs monthly, lump sums) The future projector inside Prosperess (see what 5, 10, 15, 20 years of small changes actually look like) Check out www.prosperess.net A question to sit with this week: What's one thing about your debt you've been avoiding finding out? Just pick that one. Start there.

If you're a business owner and your business and personal finances are mixed together, or you've handed everything off to your accountant and just hoped for the best, this one's for you. In this episode, Alpha breaks down the practical (and surprisingly simple) framework for managing your business and personal finances as two separate, visible systems. She covers the four key areas: mindset, bank accounts, systems, and the cashflow lifestyle piece. Plus, she shares how the Money Pie concept works in both your business and personal life to make sure the money you earn actually goes where it needs to go. What You'll Learn: Why mixed finances cause more tax debt than almost anything else (and how easily it's avoided) The four-part framework: mindset, bank accounts, systems, cashflow How many bank accounts is actually too many (and where the confusion starts) The Money Pie: how to set it up for both your business and personal life When to use percentages vs dollar figures depending on your income stability How to connect your day-to-day cashflow to actual wealth building Resources Mentioned: Prosperess app: www.prosperess.net Her Prosperity Collective: www.herprosperitycollective.com 

Why do so many intelligent, capable women avoid managing their money? It's not because they can't do it.  It's because it feels uncomfortable. In this episode, I unpack something that comes up again and again, both in life and with money: learning how to become comfortable with discomfort. Managing your money feels hard, but it doesn't need to be.  What it does need is for you to sit in moments of uncertainty, unfamiliarity, and sometimes even self-doubt. And, understandably, most of us avoid these things! Inside this episode, I walk you through: Why discomfort is a sign of growth, not failure How avoidance and procrastination are often just disguised discomfort The role of habits in helping you move through resistance Where knowledge gaps keep you stuck (and how to spot them) Why practicing small, simple actions matters more than "getting it right" How to treat your money like a daily habit (think Duolingo). This isn't about becoming perfect with money. It's about becoming someone who no longer avoids it.

There's a lot of noise right now about rising costs, interest rates, and "cutting back." And for many women, that just adds to the overwhelm.  Plus, it reinforces the belief that managing money is hard, time-consuming, and too difficult (which then results in more avoidance). In this episode I take you through the practical things I do to keep the cost of living down.  Some things I've been doing for years and others I've added into my daily rhythm. For me it's why I have recipe books - to give me inspiration of what to cook and be a guide to help me reduce the mental load.  That's what this episode is designed to be. Instead of complicated strategies, I'm sharing real, practical things I'm doing in my own life to reduce costs, simplify decisions, and feel more in control of my money, without sacrificing quality or enjoyment. Here is what I go through: Smarter ways to manage food costs (without compromising on nutrition) Simple habits that stop overspending before it happens Low-cost (and free) ways to enjoy life, especially with kids How to think differently about interest rates (and use them to your advantage) Why small changes can dramatically shift your financial future. Rather than framing this as ways to "cut costs" and "live within your means", it's about being more intentional with how you are spending money day to day, so that there is some left to help Future-You. Here is where you can find the recipes and resources I talk about in this episode - https://www.money-madesimple.com.au/recipes 

What does it actually mean to be a "wise, wealthy woman"? And why does money feel so much harder than it should? In this episode, I unpack the idea of wisdom, not as something you don't have, but something you've likely been ignoring. You already know more about money than you think. The real issue isn't knowledge.  It's the gap between knowing and doing. In this episode we explore: How past stories (like "I'm not good with numbers") shape your financial behaviour Why women often undervalue their own life experience and intelligence The hidden reason you feel overwhelmed (it's not because money is complex) Why focusing on "what next" keeps you stuck, and what to focus on instead The connection between cash flow and wealth (and why most people link them incorrectly) How your nervous system keeps you in financial stress (even when things improve) A simpler, more grounded way to start managing money. Key Takeaways: You don't need more information. You need to start using what you already know in a way that actually works for you.

If you've been telling yourself "I'll deal with my money later"… this episode is your wake-up call. Not in a panic-inducing way, but in a real, grounded, slightly uncomfortable truth: Doing nothing with your money is costing you more than you think. In this episode, Alpha breaks down the actual cost of inaction, not just financially, but in terms of lost opportunity, reduced choice, and a harder path later. This isn't about perfection. It's about starting. What we cover: Why time is your biggest advantage (and what happens when you ignore it) The real power of compounding—and why small amounts matter more than you think Income vs growth: what most people misunderstand about investing Why it's NOT too late (even in your 40s or 50s) How to think about money differently depending on your stage of life What diversification actually means (and what it doesn't) Why visibility is the missing piece for most women How to stop overcomplicating money and start taking action Key takeaway: You don't need to have everything figured out. But doing nothing? That's a decision too—and it has a cost.

"I don't have enough money to invest." If you've ever thought this, you are not alone, but this belief may be the very thing holding you back from building wealth. In this episode, Alpha breaks down one of the most common (and limiting) beliefs about money, that you need more of it before you can start building wealth. She shares why this isn't true, what's really going on beneath the overwhelm, and how small, consistent actions can completely change your financial future. This is not about restriction, discipline, or becoming "good with money." It's about clarity, simplicity, and creating a system that works for you. What you'll learn: Why "I don't have enough money" is not the real problem The hidden reasons women avoid managing money (hint: it's not laziness) How financial noise, comparison, and "shoulds" create paralysis The simple shift from survival mode → wealth-building mindset What investing actually is (in plain English) How small amounts (like $100/month) can grow into real wealth Why consistency matters more than income Practical ways to start, even if you feel behind Key takeaway: You don't need more money to build wealth. You need clarity, structure, and a starting point.

Many women quietly carry a belief that they're "not good with money." Yet these same women run businesses, raise families, manage teams, coordinate complex lives, and solve problems every day. So why does money feel so overwhelming? In this episode of Money with Alpha, Alpha addresses one of the most common questions she hears when speaking with women about finances: "How do I know what to do next with my money?" After numerous conversations during recent International Women's Day events, Alpha noticed a pattern. Women were eager to ask questions about money — but often quietly, cautiously, and sometimes with embarrassment. Feeling unsure about money is incredibly common. And it has far less to do with intelligence or capability than most people think. In this episode, Alpha breaks the problem down into three simple but powerful questions that can immediately bring clarity and direction. Rather than trying to solve everything at once, these questions help you identify where to begin and how to move forward with confidence. The Three Questions to Ask Yourself 1. Where are you feeling the most financial stress right now? Your starting point is almost always where the pressure is greatest. Whether it's day-to-day bills, insurance costs, mortgage pressure, or simply not knowing where your money goes each month, identifying the main source of stress helps you prioritize action. Sometimes, the solution isn't dramatic. It may simply be renegotiating bills, reviewing insurance, or gaining visibility over your cashflow - changes that can save thousands of dollars annually.  2. What are your goals and have you actually written them down? Clarity changes everything. When you know what you want financially, whether that's property investment, financial independence, more lifestyle freedom, or simply less stress, you can begin asking the right questions and seeking the right advice. Without goals, money decisions become reactive instead of intentional. 3. Are your habits supporting the future you want? Money habits matter more than most people realise. Do bills get ignored until reminders arrive? Do you rely heavily on credit or "buy now, pay later"? Or do you consciously manage timing, cashflow, and payments? Your habits either support your goals or quietly sabotage them. The key isn't perfection, it's awareness. Small Steps Build Powerful Momentum One of the most empowering parts of this process is that wealth doesn't begin with huge leaps. Sometimes the first step is as simple as: Saving $10 a month Starting a micro-investment Reviewing one recurring bill Tracking where your money actually goes Small actions build confidence. Confidence builds momentum. Momentum builds wealth. And perhaps the most important truth Alpha shares in this episode: You are capable of managing money, and building wealth, even if you don't believe it yet. In This Episode You'll Learn Why so many capable women doubt themselves with money The three questions that bring clarity to your financial priorities How financial stress can reveal your next best action Why writing down goals changes the entire conversation The hidden role habits play in wealth building How small financial steps build confidence and momentum.

In this week's episode of Money with Alpha, we flip the familiar phrase "work smarter, not harder" and apply it to your money. You don't need to hustle harder. You don't need to earn endlessly more. And you certainly don't need to live in a constant state of financial stress. Instead, you can make your money work smarter. In this episode, Alpha breaks down three powerful shifts that transform money from a source of overwhelm into a facilitator of freedom: 1️⃣ Give Your Money a Purpose Money is energy. It flows in and out. But without intention, it feels chaotic. When you decide what your money is for — travel, security, generosity, lifestyle experiences — it stops being about restriction and starts being about design. 2️⃣ Create a System The mental load of money is often heavier than the reality. A simple, flexible system creates visibility, removes guesswork, and eliminates constant decision fatigue. 3️⃣ Automate What You Can When your savings, investing, and categorisation are automated, money becomes quieter. Less stress. Less noise. More compounding. More ease. Alpha also shares: Why guessing is often worse than reality How clarity changes financial anxiety Why "How much do I need?" is the wrong starting question The power of building flexibility into your system How automation builds wealth without constant effort ✨ Stop guessing. ✨ Start growing. ✨ Let money support your life.

In this episode of Money with Alpha, we're talking about the silent tug-of-war so many women live in every day: managing immediate financial pressures while completely avoiding long-term wealth building. Payroll. School fees. Groceries. Mortgage. Clients. Staff. The next invoice. The end of the month. When you're juggling so much in the "now," thinking about retirement, investing, or wealth can feel overwhelming, unrealistic, or even impossible. But, avoiding it doesn't make it disappear. In this episode, Alpha shares: Why the "I'll deal with it later" mindset is quietly costing you time and money Why wealth is not about earning more, it's about starting and working with what you have now Different investing pathways (property, ETFs, shares, superannuation), and how to choose what suits your personality, age and risk profile Why clarity and knowledge reduces overwhelm instantly How small, incremental actions shift your financial future dramatically The emotional patterns of hoarding vs spending, and how to find balance Why money gives you one powerful thing above all else: choice How the Money Pie Framework connects your day-to-day cashflow with long-term wealth If you've been telling yourself: "I don't have time." "I don't earn enough." "It's too complicated." "It's too late for me." This episode is your gentle wake-up call. Because you are not behind. You are not incapable. You are not bad with money. You've just been stuck in survival mode. And it's time to shift.

Wealth. It's a word that can trigger excitement… or a full-body freeze. In this episode of Money with Alpha, I'm unpacking why wealth is absolutely available to you, even if: No one in your family has ever been wealthy You think you're "bad with money" You believe you don't earn enough to invest You feel like managing money is complex, time-consuming, or overwhelming I'm breaking this down into seven key areas that shift you from doubt and avoidance into clarity, confidence and momentum. In This Episode We Cover: Identity & Beliefs The stories you've absorbed about who you are, "I'm not good with money," "I make bad decisions," "We're not wealthy people", and how those beliefs quietly shape your financial results. Habits & Stories How beliefs create habits (late payments, minimum repayments, avoiding investing) and how those habits reinforce the same old story. Defining Wealth Wealth doesn't have to mean private jets and millions in the bank. For many women, wealth is about choice. What does it mean for you? Purpose Why building wealth just for "more money" rarely works, and how aligning it to your values changes everything. Confidence Confidence isn't something you wait for. It's built through small, consistent action. Calm (Hint: Automation) How systems and automation remove the mental load and create physiological calm around money. Momentum Why momentum, not perfection, is what accelerates wealth. This episode is your invitation to stop outsourcing your financial power and start building wealth in a way that feels aligned, calm and possible. You can do this. Now it's time to believe that you can.

In this 200th episode of Money with Alpha, I take you behind the scenes of building my new financial app, and the unexpectedly powerful parallels it revealed about women and money. I am not a tech person. In fact, I've been on one of the steepest learning curves of my life, navigating tech stacks, hosting regions, API keys, compliance requirements, and software integrations. There were days when my head felt like it might explode. And then it hit me: This is exactly how many women feel about money. Not incapable. Not unintelligent. Just unfamiliar with the language, systems, and tools. In this episode, I unpack the five biggest hurdles I've encountered while building the app, and how they mirror the common blocks women face when managing money: Language – Jargon creates overwhelm. Knowledge gaps – Not knowing where to start. Cost (visible and invisible) – The price of action vs. the price of inaction. The Build – Creating visibility and systems. The Tech/Tools – Finding the right tool changes everything. You'll hear why: You don't need to be a "numbers person" to build wealth. Investing doesn't have to be complicated (hello ETFs and micro-investing). The real cost is often doing nothing. The right tool can fast-track your confidence and clarity. You are not behind, you're simply on a learning curve. This episode is about empowerment. If I can build a tech app from scratch with zero background, you can absolutely learn to manage and grow your money. You might not be there yet, but you are getting there. 🎧 Listen now 📌 Join the waitlist for the upcoming app at www.money-madesimple.com.au

So much of the anxiety we feel around money doesn't come from a lack of income, it comes from a lack of clarity. In this practical and grounding episode of Money with Alpha, Alpha walks you through a simple but powerful exercise to help you identify your retirement number. Not to overwhelm you, but to give you something solid to aim for. If the future feels like a big black hole… If you're doing "all the right things" but still feel unsure… If money feels like one more thing you don't have the mental space to deal with… This episode is for you. Alpha breaks down: Why uncertainty fuels money anxiety How having a number changes your present-day decisions A simple, step-by-step way to calculate your retirement target How to assess your current net worth (without judgment) What to do once you see the gap, and why it's not as scary as it sounds The small, realistic money levers that actually move the needle Why momentum matters more than perfection This isn't about scrimping, sacrificing, or living a joyless life now for a future that may never come. It's about clarity, intention, and balance, so you can enjoy your life now and later. 🎧 You may want a pen and paper for this one or listen once, then come back to it. 🔗 Join the waitlist for Alpha's upcoming app (designed to make all of this easier): 👉 www.money-madesimple.com.au 

There is a lot of focus and information on "money mindset", and while that is important, it misses how your body responds to money.  This applies to what you currently have or don't have, and where you want to be (which is often an arbitrary "I want more money").   Before you can have more, your body needs to recognise and feel that it's safe to have more, and that's where your nervous system comes into it. In this episode of Money with Alpha, Alpha explores the powerful (and often overlooked) relationship between your nervous system and your financial capacity. Drawing on her own journey, including personal growth, and years of working with women around money, Alpha unpacks why sudden financial growth can feel unsafe, why incremental change matters, and why success can feel more threatening than failure. This episode is for you if you: Feel like you want more money, but struggle to hold onto it Notice self-sabotage when things start going well Feel conflicted between wanting more and judging yourself for it Know you need both practical money systems and emotional safety In this episode, we explore: Why success (not failure) often disregulates the nervous system The difference between safety and security with money Why lottery winners often lose everything Money as energy: inflow, outflow, and intentional circulation How confidence is built through small, consistent actions Why self-judgment is more damaging than external judgment How clarity, visibility, and flexibility support financial growth Alpha invites you to reflect on where you are right now: safety, security, energy, confidence, or judgment, and how you might begin expanding your capacity to hold more, without overwhelming your system. 🎧 Listen now and discover how to grow your wealth without overloading your nervous system.

Investing can feel like a black hole: confusing, intimidating, and risky, especially when you've worked hard for every dollar you've earned. In this episode of Money with Alpha, I share my real, lived investing journey. Not from a financial markets background, but as someone who had to figure it out step by step. I walk you through: The difference between income returns and capital growth (and why this matters more than most people realise) How to understand your risk profile beyond generic questionnaires What diversification actually means (and what it definitely isn't) How I structure my own portfolio, including defensive vs growth assets Why I invest in ETFs and micro-investing Why "time in the market" always outperforms "timing the market" How consistent, boring investing quietly builds wealth over time. This episode is about taking the fear out of investing, simplifying your decisions, and helping you feel more confident taking action, even if you're starting small. 🎧 Listen now and discover why investing doesn't have to feel like gambling.

In this episode, Alpha invites you to rethink your relationship with money. Not as something to fear or avoid, but as something to get to know and to come at with curiosity rather than confusion. Using the metaphor of dating, Alpha walks through simple, practical steps to help you reconnect with your finances, gain clarity, and reduce money anxiety. In this episode, you'll learn: Why avoidance makes money stress worse (not better) How your past money "mistakes" can become learning points The five key steps to building visibility and clarity with money Why knowing when bills hit matters as much as how much they are How to create a money date that actually feels supportive Takeaway: Money doesn't need perfection, it needs attention. A little curiosity can transform your entire financial relationship.

Big New Year's resolutions often lead to big overwhelm, and very little follow-through. In this episode, Alpha explores why micro-changes are the real key to sustainable financial growth and confidence. Rather than focusing on drastic transformations, Alpha invites you to look at the small shifts in awareness, habits, language, and identity that quietly create powerful momentum over time. In This Episode, We Cover: Why New Year's money resolutions often fail The role of identity in financial behaviour How beliefs, stories, and language shape your money habits The difference between intentional money management and avoidance Why micro-investing and small automations are so powerful How to create CEO-level clarity without micromanaging your finances Simple micro-actions you can implement immediately This episode is perfect for anyone who feels overwhelmed by money, short on time, or stuck in cycles of avoidance, and is ready for a gentler, smarter way forward. 🎧 Tune in and start building momentum through micro-changes.

In this solo episode, Alpha invites listeners behind the scenes of her personal money journey.  From her multicultural upbringing in Australia, shaped by financial scarcity and cultural expectations, to discovering her passion for financial empowerment for women. Alpha dives into: Growing up as a daughter of migrants who had no money when they were growing up How money stories are inherited from generations before us — even when no one talks about money directly Why she became a "squirreler" with money, and the pivotal moment she realised she needed to learn how money really works The career path that didn't fit — including depression, burnout, and a brave leap into something new The spark that led her to financial education, property investing, and ultimately launching Money Made Simple How her love of travel helped her reconnect with joy and lifestyle vision in mid-life Why the Money Pie framework was born, and why "simple + intentional" will always beat complexity ✨This episode is your reminder that your past does not dictate your financial future, and that it's never too late to rewrite your money story with intention.

In this episode of Money with Alpha, Alpha sits down with financial advisor Dylon Mackriel, founder of DreamWise Financial Services, to unpack what financial planning actually involves — beyond the jargon, beyond the misconceptions, and beyond the old-school commission-driven model many people still fear. Dylon shares his personal journey from South Africa to Australia, shifting from accounting into financial planning, and why the emotional side of money plays such a huge role in his work. You'll hear: ✨ In this episode, we explore: Why everyone earning an income can benefit from financial advice What financial planners do beyond investing How superannuation, insurance, and retirement strategies really work The truth about self-managed super funds (SMSFs) — who they're for and who they're not ETFs vs direct shares vs SMAs (and why diversification is essential) How to choose the right advisor, and why education is a non-negotiable part of quality advice The emotional and behavioural side of money Dylon's personal money story, including growing up with limited resources and how that shaped his mission This is an empowering conversation that helps remove the mystery from financial planning — so you can make smarter decisions, feel more confident, and understand the mechanics behind wealth-building… at any age. Connect with Dylon: DreamWise Financial Services – DreamWise Financial Services Dylon Mackriel | LinkedIn

In this enlightening episode of Money with Alpha, Alpha Schulte sits down with Selena Hillier, Human Design practitioner, life coach, and corporate leader turned soul-led entrepreneur. Together they explore how understanding your unique Human Design type can unlock self-acceptance, release shame, and create alignment in every area of life — including money. Selena shares her journey from corporate sales manager to Human Design guide, explaining how this blend of science and spirituality helps people reconnect with who they truly are. She and Alpha discuss practical ways to apply Human Design in relationships, parenting, business, and even how we relate to money. From breaking free of conditioning and "shoulds," to accepting your natural energy flow, this conversation will inspire you to live—and spend—more consciously and authentically. Key Takeaways Human Design blends science and spirituality using birth data to reveal how you're uniquely wired. Five energy types—Manifestor, Generator, Manifesting Generator, Projector, and Reflector—each operate differently. Self-awareness leads to self-acceptance. Understanding your design removes shame and judgment. Parenting and relationships transform when we honour how others are designed to operate. Money blocks often mirror conditioning. Human Design helps uncover energetic patterns behind financial habits. Goals aren't for everyone. Some people thrive through flow and intuition rather than rigid planning. Connect with Selena Hillier Instagram: www.instagram.com/selena_hillier_/ Website: www.pivotalmoments.com.au

In this reflective episode, Alpha takes you behind the scenes of her 2025 wrap-up — the highs, the lows, the unexpected, and the profoundly transformative. Using her five-part reflection framework (What worked well? What didn't? What did I learn? What do I want more of? What do I want less of?), she shares the real human side of a year filled with growth, disruption, loss, clarity, and powerful financial lessons. You'll hear: ✨ What Worked Well Attracting aligned, entrepreneurial clients who value clarity and empowerment Beautiful stories of couples leaning into shared financial understanding How the Money Pie again proved its power — helping Alpha redirect an extra $12,000 toward her daughter's school plan without sacrificing lifestyle Wins in personal investing and steady long-term growth 💔 What Didn't Go as Planned Delays in launching her software and writing her book A challenging year caring for her father and processing his unexpected passing The shock of funeral expenses — and why emergency funds matter more than we realise The true cost of international travel and the sting of exchange rates 📚 What She Learned The absolute necessity of buffers and emergency funds The importance of transparent financial conversations with family How settling an estate reinforces why wills, enduring powers of attorney, and paperwork matter A deep dive into investment strategies, lump sum decisions, ETFs, super, tax implications, and the emotional side of investing The reminder that clarity comes from education, support, and time — not rushing big financial decisions 🌱 What She Wants More Of in 2026 Calm, joy, and lightness Community, connection, and a safe space for women to talk about money Giving and receiving support (even when it feels uncomfortable) 🔻 What She Wants Less Of Heavy energy, drama, and emotional depletion Busyness that takes her away from creativity and presence Energetic disruptions that drain instead of empower. 📈 Financial Themes Emerging for 2026 Volatile markets and political uncertainty Further increases in property prices and the pressure this puts on buyers The continued rise of ETFs and why they're changing the game Why long-term investing beats market-watching every single time The possibility of interest rate increases — and what that means for your budget. Alpha also shares what's brewing for early 2026: a community-focused program designed to bring women together to grow, learn, and create empowered money momentum. This episode invites you to pause, reflect, and think about your own year — financially, emotionally, and personally — so you can step into the new year with clarity and intention.

In this inspiring episode of Money with Alpha, Alpha sits down with the dynamic Billie Sharp — entrepreneur, public speaker, and founder of multiple thriving businesses — to talk about what it really takes to dream big and create generational wealth. Billie shares her journey from working three jobs as a teenager to becoming the owner of six diverse businesses across industries like tech, e-commerce, and trades. She opens up about: The mindset shift from earning money to creating wealth Building businesses based on real-world gaps rather than rigid plans Using data and intuition to make smart financial and business decisions How she runs multiple companies without running herself ragged Why she and her husband chose to homeschool their daughter and design life on their own terms The lessons she learned from early money mistakes — and how she rewired her habits What generational wealth really means to her (and why it's about more than money) The power of authenticity, confidence, and letting your sparkle shine — even if it's with a tiara! 👑 Billie also talks about her big, audacious goal: to become a billionaire not for status, but to create global change through impact investing — much like the Gates Foundation. 💡 Key takeaway: Money is opportunity. Power is the ability to create change. Dreaming big is not selfish — it's necessary. Connect with Billie Sharp: Instagram: www.instagram.com/billiesharp.official  Facebook: www.facebook.com/billiesharp.official  Website: https://billiesharp.com.au/  The Bizillionaire Academy: https://bizillionaireacademy.billiesharp.com.au/ 

In this heartwarming and eye-opening conversation, Alpha sits down with Raylz Wynyard, co-founder of a family-run NDIS support service built on empathy, lived experience, and integrity. Raylz shares how her journey began when her son was diagnosed with autism, before the NDIS in its current form even existed, and how that personal experience led her to create a business that does things differently. With her husband and adult children now part of the company, Raylz has built more than a business: she's built a legacy of care, community, and respect for people living with disabilities. They talk about: The personal story that inspired Raylz to start her business The importance of empathy, humour, and humanity in disability care Navigating the financial side of NDIS with fairness and transparency Running a family business (and keeping the peace!) How Raylz's daughter (who works in the busiess), at just 20 years old, has already saved a house deposit Creating a business that gives back time, freedom, and stability for future generations. This episode is a celebration of heart-led leadership, resilience, and the power of aligning your values with your business and money decisions. Tune in if you want to: ✔️ Learn how to grow a service business without losing its soul ✔️ Be inspired by a family who turned adversity into impact ✔️ See what real values-driven entrepreneurship looks like in action.

In this episode, Alpha sits down with Feng Shui specialist Suzanne Butler to explore how the energy of your home and workspace influences your money flow, health, and overall wellbeing. Suzanne shares her fascinating journey from the Australian Defence Force to becoming a sought-after Feng Shui expert, helping clients transform chaos into clarity — both energetically and financially. They dive deep into how clutter, blocked spaces, and even the position of your desk can affect your sense of worthiness and ability to attract abundance. Suzanne's story of financial turnaround — from toxic relationships and debt to flow and prosperity — illustrates just how powerful intentional space design can be. In this episode, you'll learn: Why your environment mirrors your inner state (and your bank balance) How clutter, disorganization, and "energy hoarding" create financial blockages The subtle link between worthiness, self-belief, and money flow Practical Feng Shui tips to invite abundance into your home and business The importance of decluttering as an act of self-respect and empowerment Resources Mentioned: www.harmonisingEnergies.com – Suzanne's website with free quizzes Suzanne's podcast WTF is Feng Shui Follow Suzanne on Instagram (@harmonising_energies_fengshui) and Facebook at harmonisingenergiesfengshui

In this episode: The surprising link between your skin health and emotional health How somatic awareness and nervous system regulation can change your energy and appearance Why your body literally stores emotions — and how to listen to its signals What emotional anatomy and face reading can reveal about your inner world How your subconscious beliefs about money are reflected in your body Practical ways to ground, rebalance, and build emotional resilience Key quote: "You can make as much money as you like if you're willing to work on the beliefs your body is holding." Connect with Jayde: 🌐 www.jaydecelieste.com 📸 Instagram: @jayde_celieste 📘 Facebook: @jayde.philips

In this episode of Money with Alpha, we dive into what I like to call Money School — the foundational lessons we all wish we'd been taught about money, but weren't. Just like school gave us structure for learning, we can create our own curriculum for financial wisdom — one that blends knowledge with experience and real-life relevance. There is an upside to learning about money as an adult - we have real-world experience which makes us (hopefully) better able to understand how to apply what we learn to our lives.  The wisdom that comes with age gives us an advantage here! Alpha walks through the five core fundamentals of Money School, helping you move from confusion to clarity, and from reaction to intentional action with your money. In This Episode, You'll Learn: What money really is – beyond numbers and emotions, it's simply a tool for value exchange. How much money you truly need (and want) – and why clarity here changes everything. How you earn – identifying ways to earn aligned with your skills, passions, and lifestyle. What to do with the money you earn – learning the balance between saving, spending, and investing. Why automation is freedom – how setting systems helps you stress less and live more. Key Takeaway: Money is a tool, not a test. When you understand how to earn, use, and automate it, you unlock the freedom to focus on what really matters — living the life you choose. 👉 Listen now to start building your own Money School toolkit for a simpler, calmer, and more abundant financial life.

In this episode we go through: Why school-style maths and real-life money skills are different The 5 levers that matter more than maths: Beliefs, Technology, Knowledge, Clear Actions, Consistency How to use calculators and automation so progress happens on autopilot The mindset shift from "I work for money" to "money works for me" Practical micro-actions you can take this week (no equations needed) Key takeaways: Remove the label "bad at maths"—it's not a useful metric for money success Use technology to calculate; use your judgment to decide Start small (automate $50/month, review subscriptions, set a monthly money date) Consistency compounds confidence. Take one small action towards your financial health today!

In this week's episode of Money with Alpha, we're tackling one of the most common excuses women make when it comes to managing their money — "I don't have time." Alpha breaks down why this belief is just another myth that keeps you from financial clarity and freedom. Through five practical steps — Beliefs and Stories, Clarity, Visibility, System, and Flexibility — you'll discover how to make space for your money without feeling overwhelmed or deprived. You'll also hear personal stories and relatable examples (including a hilarious one involving a stuffed crocodile!) that remind us how easily we can find time and money for what truly matters — when we decide to. In this episode, you'll learn: Why "not having time" is a story you can rewrite. How your money beliefs may be quietly sabotaging your progress. Why clarity about what lights you up is essential to building financial freedom. The power of visibility — seeing your money clearly and without fear. How to create a simple, flexible system (like the Money Pie framework) that fits your lifestyle.

In this episode we dismantle the belief that you've missed the investing boat because you are too old. Alpha walks you through the five-step pathway:  Clarity  Knowledge Know Yourself Plan Action. Plus, simple compounding examples, how to think about superannuation (retirement savings) + property, and what to do next.   You'll learn: How to define a lifestyle-aligned investing target Why women's investing strengths give us an edge A simple compounding play you can start this month How to sense-check risk with your nervous system Your three levers: investments, superannuation, and debt reduction.

In this episode of Money with Alpha, we tackle one of the most common myths holding women back from financial empowerment: that money is complicated and overwhelming. Alpha shares five simple, practical shifts — clarity, visibility, habits, beliefs, and chunking things down — to help you take the mystery (and fear) out of managing your money. Whether you're an entrepreneur juggling business and personal finances or simply ready to stop procrastinating, this episode will show you that money can, in fact, be simple. You'll learn: Why clarity on your lifestyle vision is the key to financial direction How visibility over your money reduces fear and confusion The role habits play in creating ease with money How to recognise and rewrite limiting money stories The power of taking small, consistent steps Listen in and discover how to shift from overwhelm into confidence and choice.

In this powerful conversation, Alpha and Maree dive deep into the heart of selling — and why traditional "hustle" sales tactics no longer work for modern, service-based women in business. Maree shares her approach to sales that's all about connection, service, and genuine care — without the pressure or "ick factor." They unpack the difference between marketing and sales, why most business owners are "pouring water into leaky buckets," and how women can confidently sell from a place of value, integrity, and empowerment. You'll Learn: Why sales is not about pushing or persuading — it's about helping. The critical distinction between marketing (getting leads) and sales (converting leads). Maree's seven-step sales process and why 80% of sales success happens in the first two steps. How niching by values — not industry — can transform your business. The connection between money flow, mindset, and your ability to sell confidently. Why the sales conversation doesn't end when a client says yes — it's just the beginning. About Maree: Maree Kirkpatrick is a straight-talking, big-hearted sales strategist helping women in business transform how they think and feel about selling. Through her Her Sales Club community and workshops, she teaches women how to sell with confidence, connection, and heart — and build sustainable, profitable businesses without the burnout. Maree's in-person event on the Gold Coast: www.mareekirkpatrick.com/sorted

In this reflective episode of Money with Alpha, I share some personal lessons from navigating grief, decluttering a lifetime of possessions, and rediscovering what truly matters. It's about more than money—it's about experiences, relationships, and creating a life aligned with your values. You'll learn: Why experiences often bring more joy than "stuff" How curating the right relationships strengthens your confidence The power of tracking and capturing your journey Why financial empowerment isn't about how much you spend, but the freedom to choose Simple ways to challenge old patterns and design a money system that works for you If you're ready to move beyond comparison, embrace clarity, and fund your fun, this episode will inspire you to reflect—and act. 👉 Tune in now and let's talk about creating the empowered life you deserve.

In this episode, I sit down with Jodie Eade, a Business Consultant who specializes in Business Systems to explore how simple systems and everyday habits can transform the way you manage money in both business and life. We talk about why systems matter, how habits build financial confidence, and why chasing quick fixes without structure only leads to burnout. You'll also learn a simple playbook you can use to get clear, take control, and finally feel empowered in your financial journey. What You'll Learn in This Episode: Why systems aren't about restriction—they're about freedom. How habits and routines can create money confidence. The danger of shortcuts and quick fixes without structure. A simple 5-step framework to set up your financial playbook. How to overcome fear of success and step into empowerment. If you've ever felt overwhelmed by money or unsure where to focus in your business finances, this episode will give you clarity, confidence, and actionable next steps. Resources & Links Mentioned in This Episode: Jodie Eade – Business Consultant Free strategy session

Money isn't just about numbers—it's about freedom, choices, and building the life you want. But for many women, managing money feels overwhelming or unclear. In this solo episode, I introduce you to the Money Momentum Pathway, a powerful framework designed to help you move from financial confusion to confidence. The pathway is built on three key pillars: Clarity – getting clear on your values and long-term vision so money supports what matters most. Visibility – seeing where your money is going and how it's working for you. Flexibility – adapting your financial plan as your life, priorities, and goals evolve. Together, these three elements create momentum—and with momentum comes motivation. Instead of worrying about "sticking to a budget," you'll find yourself asking, "How much more can I invest this month?" This episode will inspire you to look at money differently—not as something to restrict you, but as a tool to create freedom, security, and joy. What You'll Learn in This Episode: Why clarity about your values is the foundation of empowered money decisions. How financial visibility shifts you from feeling out of control to confident. Why flexibility is essential as life and goals evolve. How momentum makes managing money feel natural, purposeful, and exciting. Resources & Links: Join the waitlist for the Money Momentum Pathway

Having been increasingly "crypto curious", I realised that Sujit Menon has been in this world for many years, and loves sharing what he knows.  In this week's episode we talk about: What actually is money What is Bitcoin and how is it different to other cryptocurrencies How does investing in Bitcoin work, and why it's something we should all be thinking about adding to our portfolios What Bitcoin is going to look like in the future.   A valuable conversation, and one that will get your head reeling!

Money isn't just about dollars—it's about stories, beliefs, and patterns we often inherit without even realizing it. In this episode, we dive into how women can uncover hidden money stories passed down through generations, and how to finally break free from patterns that keep you stuck. You'll learn why money is best seen as a tool, not a burden, and how family history can quietly shape your financial decisions. Plus, we'll explore practical steps to start shifting your mindset and building systems that support your financial empowerment. If you've ever felt like you're working hard but not moving forward, this episode will give you the clarity and confidence to start rewriting your money story. What You'll Learn: How unconscious family patterns shape your relationship with money Why money itself is neutral (and how to start using it as a tool) The hidden "loyalties" that keep you repeating financial struggles Simple, practical steps to claim your financial power Here is where you can find out more, and book in for the Family Constellation - Money Workshop in Brisbane on Saturday 20 September, 2025 - Group Work - Mind and Soul Nurturing

What does it really mean to be financially empowered? In this inspiring episode, I sit down with Prosper Taruvinga, who grew up in Zimbabwe during hyperinflation before moving to Australia to build a thriving business. His story is one of resilience, vision, and the power of owning your money mindset—and your media. We explore: The "money language" we absorb in childhood and how it shapes our decisions Prosper's journey from survival to entrepreneurship Why financial literacy is built step by step, not overnight How to avoid relying too heavily on external systems like social media The importance of creating platforms and processes you truly own If you're a woman business owner who wants to be financially self-empowered, this conversation will help you shift from survival mode to growth mode—and remind you that your past does not define your financial future. Resources and Links: Connect with Prosper Taruvinga on LinkedIn Learn more at Live Long Digital Find Prosper's new book on Amazon For more episodes, visit Money Made Simple

Ever wondered how to keep your finances on track without spending hours every week? In this episode of Money with Alpha, I share my personal monthly money routine—a simple yet powerful process I use to stay in control of both my business and personal finances. You'll learn: Why having a regular "money date" is the key to financial consistency The exact steps I take each month to review my business performance and personal spending How I use my "money pie" method to make sure every dollar has a purpose The importance of buffers (and how they saved me from extra stress during a family emergency) How to shift your mindset so your finances become an enabler, not a restriction Whether you're a business owner or simply want to feel more confident with your money, this episode will help you build a routine that works for your life. No overwhelm, no guilt—just clarity and empowerment. Resources & Links Mentioned: Connect with me on Instagram: @alphamoneymadesimple Visit my website: www.money-madesimple.com.au  If you enjoy this episode, please subscribe and leave a review—it helps more women take control of their money and their future.

In this episode of Money with Alpha, I'm diving deep into my Money Pie Framework — a simple yet powerful system I first created for myself and have now shared with countless clients. If you've ever felt overwhelmed by your finances, uncertain where your money is going, or guilty about spending, this framework can help you find clarity, confidence, and freedom. You'll discover the three core pillars of the Money Pie Framework — Visibility, Clarity, and Flexibility — and how they work together to help you see exactly where your money is, align it with what truly matters to you, and adapt as life changes. I share personal stories, client examples, and practical tips for setting up your own money pies in both your personal and business finances, so you can plan ahead without feeling restricted. Whether you want to save for a holiday, pay off debt, prepare for retirement, or simply feel more organised, the Money Pie Framework will give your money purpose — and remove the stress of financial decision-making. What You'll Learn in This Episode: Why simplicity is the key to financial empowerment. How to create separate "money pies" for personal and business finances. The importance of Visibility — knowing exactly what's coming in and going out. How Clarity around your vision and values stops impulse spending. How Flexibility helps you adapt to life's changes without financial chaos. Real-life examples of how the framework has saved clients stress — and even relationships. Resources & Links Mentioned in This Episode: Book a free Clarity Chat with Alpha to explore your own Money Pie Framework. Related episodes: Separating Your Business and Personal Finances Why You Need a Fun Fund

In this deeply relatable episode, Alpha opens up about the emotional side of money—the unspoken reasons why so many of us procrastinate when it comes to our finances. From the fear of judgment to the comfort of familiar (but unhelpful) habits, she dives into five key reasons we put off dealing with money matters, even when we know it's important. Whether you're avoiding your bills, putting off switching providers, or just feel like you "should be better at this by now," this episode reminds you that you're not alone—and you're not broken. 💡 In This Episode, Alpha Shares: Why self-judgment is the real fear behind feeling judged by others How to keep what you love (like coffee or chocolate) and still be smart with money The myth that managing money is "hard"—and how to simplify it Why shame and guilt hold us back from progress How familiarity with discomfort keeps us stuck—and how to gently move forward ✨ Takeaway Message: You don't need to overhaul your finances overnight. Financial empowerment is built through small, safe, and intentional steps that honor where you are now. It's time to bring kindness into the conversation about money—and release the guilt.

For many of us, money was a taboo topic growing up. It wasn't something we talked about—it was something we worried about in silence. In this episode, I'm sharing why I love talking about money and why opening up these conversations is the first step to financial empowerment. In this episode I talk about: ✨ why money is simply energy and how that changes everything ✨ how money gives you freedom, choices, and the ability to help others ✨ the importance of breaking the cycle of shame around money conversations ✨ simple ways to start talking about money with your family and friends Let's take the fear out of finances and start creating a healthy, empowered relationship with money. 🎧 Tune in now and let's normalize money conversations!

In this heartfelt and empowering episode, I share a deeply personal reflection inspired by recent life events that reminded me how precious our time really is. I explore the five "C's" that can transform not only your business but your entire approach to life: Clarity, Courage, Confidence, Commitment, and Consistency. As women business owners, we often put our own dreams on hold while taking care of everyone and everything else. This episode is your invitation to pause, reflect, and reclaim your power. I'll guide you through practical ways to: ✅ Gain clarity about the life and business you truly want ✅ Build the courage to step outside your comfort zone ✅ Grow your confidence to make bold decisions ✅ Commit to your vision and values (while giving yourself grace to pivot) ✅ Stay consistent to create long-term success If you've been waiting for the perfect time to prioritize yourself and your goals, this is your reminder: Your time is now. 🎧 Tune in and take the first step toward an intentional, aligned, and abundant life.

What does business growth mean to you?  What do you think is even possible? These are important questions to ask yourself and to clarify as you build a business.  Otherwise, you become reactionary and may end up building a business that feels more like a cage. Speaking with Business Mentor and Strategist, Paul Farmer, we delve into these topics and more, also talking about what strategy even is, and why it's so important. Here is how you can connect with Paul: Business Coaching, Consulting & Strategies | Mentoris Group Paul Farmer | LinkedIn

In this episode, we're diving into a topic that trips up so many women—especially business owners: expecting strategy when you're only getting compliance. Alpha breaks down the crucial difference between compliance (think: tax returns and BAS statements) and strategy (like cash flow planning and profit analysis). If you've ever assumed your accountant or bookkeeper would "just take care of everything," this episode is a must-listen. You'll learn: Why understanding the limits of your financial professionals matters The types of questions to ask to avoid costly assumptions How to bridge the gap between business finances and your personal lifestyle goals Real examples of where money leaks often hide (spoiler: it's not always shopping!) Whether you feel stuck, uncertain, or ready to take action, this episode will help you start asking the right questions—and take back your financial confidence. 👉 Want to clarify your next steps? Book a free 15-minute clarity chat with Alpha https://www.money-madesimple.com.au/claritychat.

Regardless of the business structure that you have, it's important to separate your business and personal finances. You have your own personality and Core Values, and so does your business. Think about how you respond to challenges as a business owner versus as a parent. You will come at the problem very differently.   In this episode, I go through:  It's easier to see where and when your business is profitable How you can see where to optimize your business (offers, structure, expenses) Visibility of your personal spending, so you can make it better Setting up systems and processes so you can scale and bring on team Exit Strategy / Succession Planning.

In this joyful and eye-opening episode, Alpha is joined by the vibrant Sammy Barnett—nutritionist, speaker, and soon-to-be author—who shares her powerful journey from childhood panic attacks to helping others reconnect with their bodies through food, fun, and self-awareness. Together, they explore the deep links between nutrition, anxiety, and financial wellbeing—and how slowing down, creating space, and aligning with your values can shift everything. We talk about: Why stress affects your body's ability to absorb nutrients (even when you're eating "right") How nervous system overwhelm impacts your money habits The role of values, boundaries, and delegation in building a thriving life Reframing anxiety and fear as fuel for growth and confidence How to budget not just your money, but your energy and time Whether you're navigating perimenopause, parenting, or entrepreneurship, this episode will inspire you to pause, breathe, and listen to what your body—and your bank account—are trying to tell you. ✨ Pre-order Sammy's upcoming book here: https://www.nutritionwithsammy.com.au/anxietythebestteacher  🎤 Learn more about Sammy's workshops and speaking gigs at: https://www.nutritionwithsammy.com.au https://www.instagram.com/nutritionwithsammy/ https://www.linkedin.com/in/sammy-barnett-nutritionist/ https://www.facebook.com/iam.sammybarnett  

What do you like to do for fun?   If this isn't a question you've asked yourself for a while, then you're OVERDUE to schedule in some fun. If your fun requires funds (money), then make sure your cashflow/budget has money being put aside for you to enjoy your fun without financial regret. It's vital to enjoy fun - it's prioritising you (and let's face it, you're probably holding the world/family around you together), our mental health, physical health and emotional health needs it! This episode is about reminding you of the importance of fun, and how to make sure your finances support it too!

In this episode I talk about that (distant, or not so distant) goal of... retirement! When lifes slows down and we can finally relax and enjoy life...  Well, that's so long as there is enough money to support the lifestyle you want. A few questions and concerns that I hear a lot are: How much do I need to retire? How much will I need to live on in retirement? What can I do now to help me get to where I want to go? I touch on each of these. A rough calculation for your Retirement Number to give you an idea of the number you need when you retire (assuming you won't be working anymore at all, and you have paid off all the debt you have by the time you retire, and you want to live a modest retirement) is - 25 (years) x $50,000 (if you're single), or $75,000 (if you're a couple).  These amounts - $1,250,000 if you're single, or $1,875,000 if you're a couple are based on suggested annual incomes.  You may need more than this in retirement each year, and if so, up that annual number. Next, calculate what you have now in terms of your Current Net Worth (what you own minus what you owe). Then, calculate what you are likely to have over time in terms of savings growth, investment growth and retirement savings (i.e. superannuation) growth.  Here are some calculators to help you: Compound interest calculator - Moneysmart.gov.au Superannuation calculator - Moneysmart.gov.au Using these calculators, calculate what you could have in 5, 10 15, or more years' time, to see what you're Projected Net Worth is. Take your Retirement Number and minus your Projected Net Worth at the time you want to retire, to see what your gap is. To help you see how to pay your home loan off faster, here is a helpful calculator - Mortgage Extra Repayment Calculator | Canstar

Beliefs are powerful and have the ability to either derail us or empower us.  This week's topic was triggered by a realisation that I client of mine had about her beliefs around money.  It was both emotional, heartbreaking and empowering to see her remember what caused one of her core beliefs around money. I wanted to share some of the work I do around money beliefs, so in this episode I go through: What are Beliefs? Why are Beliefs important? What are your Beliefs around money? Where did your Beliefs come from? Test to see if your results match your Beliefs If they do or don't, what you can do about it. It's important to become consciously aware of your Beliefs, so you can start to rewire them!

Micro-investing should form part of everyone's investing strategy, I believe.  It's also a great way to get started on your investing journey, and it's a great way to get kids started too! Here are the areas I cover in this episode: Why do you want to invest? What is your timeframe for investing? What is the difference between passive and active investing What is Asset Allocation and why is it important What is Micro-investing What are some providers out there who offer micro-investing How to get kids involved in micro-investing. If you would like a guide that covers most of this, here is a link to a free guide I've put together. Enjoy!