Her Money Matters

43 International Women's Day Special: Invest in Yourself with Practical Steps to Grow Your Super

Wed, 04 Mar 2026 06:00:00 +1100

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.

42 Divorce Part 2: After the Settlement – Rebuilding Your Finances and Yourself

Mon, 02 Mar 2026 09:33:27 +1100

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 naomi@hermoneymatters.com.au or visit www.hermoneymatters.com.au and click contact; or Helene at www.hermindsetmatters.com.au or helene@hermindsetmatters.com.au

41 Support Teal Ribbon Day: The Dangers of Ovarian Cancer and Being Prepared Financially

Wed, 25 Feb 2026 06:00:00 +1100

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:
dianna.pecherczyk@mbsinsurance.com.au
https://mbsinsurance.com.au/

40 Build Your Investment Portfolio on Diversification and Open Up a World of Options

Mon, 23 Feb 2026 06:00:00 +1100

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 naomi@hermoneymatters.com.au and I will happily send one through.

39 Considering a Career Change Later in Life? You Have the Experience, Now Design the Direction

Wed, 18 Feb 2026 06:00:00 +1100

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.

38 Lunar New Year 2026: Using Red Envelopes, 8-Course Banquets and the Year of the Fire Horse to Teach Us About Money

Mon, 16 Feb 2026 06:00:00 +1100

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.

37 Selling a Property? Before You Choose a Real Estate Agent, Listen to This

Wed, 11 Feb 2026 06:00:00 +1100

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.

36 Why Money Can Feel So Hard: Avoiding Money Doesn't Mean You Are Bad With It

Mon, 09 Feb 2026 06:00:00 +1100

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.

35 Divorce and Money: What Documents You Need for Financial Disclosure and What to Do if Your Ex-Partner Isn’t Fully Disclosing

Wed, 04 Feb 2026 06:00:00 +1100

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.

34 Learn to 'Love Your Super' - Review Your 2025 Super Fund Returns

Mon, 02 Feb 2026 06:00:00 +1100

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.

33 The Ageing Journey: A Guide for Daughters Supporting Their Parents Before and into Aged Care

Wed, 28 Jan 2026 06:00:00 +1100

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/

32 Divorce, Money & Mindset: Navigating the Emotional and Financial Journey of Separation

Mon, 26 Jan 2026 06:00:00 +1100

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.

31 Retirement Planning: Where to Start and Getting Your Financial House in Order

Wed, 21 Jan 2026 06:00:00 +1100

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.

30 Funding the Cost of Education: High School, HECS-HELP and Helping with Education Funding for Grandkids

Mon, 19 Jan 2026 06:00:00 +1100

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

29 Staying on Track: How to Turn Your 2026 Goals Into Reality (Part 2)

Mon, 12 Jan 2026 06:00:00 +1100

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.

28 Why New Year’s Resolutions Don’t Work and How to Plan an Impactful 2026

Mon, 05 Jan 2026 06:00:00 +1100

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

27 Best of 2025 Replay: The Most Loved Episode for 2025 - The 5 Money Personas and Limiting Beliefs

Mon, 29 Dec 2025 07:00:00 +1100

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.

26 Best of 2025 Replay: Why Super Needs to Be Your Super Hero

Mon, 22 Dec 2025 06:00:00 +1100

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.

25 Planning a Holiday over the Festive Season? Here’s How to Avoid the Holiday Hangover

Mon, 15 Dec 2025 00:00:00 +1100

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.

24 The Heart Behind Insurance Cover: Why it Matters

Mon, 08 Dec 2025 06:00:00 +1100

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.

23 New Year, New Career: Is Now the Time for Change?

Mon, 01 Dec 2025 06:00:00 +1100

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.

22 How to Smash Your 2026 Goals - Recorded LIVE with the Balmain Rozelle

Mon, 24 Nov 2025 06:00:00 +1100

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.

21 What Your Super Statement is Really Trying to Tell You

Mon, 17 Nov 2025 06:00:00 +1100

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.

20 Why a Property Valuation is Your Best Friend to Help You Decide Whether to Stay, Renovate or Move

Mon, 10 Nov 2025 06:00:00 +1100

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.

19 How NOT to give your kids another SHITTY Christmas Present

Mon, 03 Nov 2025 06:00:00 +1100

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. 🎄

18 Exchange Traded Funds - What are They and Why They Belong in Every Portfolio

Mon, 27 Oct 2025 06:00:00 +1100

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/

17 Navigating Divorce - The Legal and Financial Considerations

Mon, 20 Oct 2025 06:00:00 +1100

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 samantha@lewisfamilylawyers.com.au or the website https://lewisfamilylawyers.com.au/.

For money coaching and financial guidance during separation, reach out to me at naomi@hermoneymatters.com.au 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.

16 Are You a Spender, Planner, or Avoider? - The 5 Money Personas and the Associated Limiting Beliefs Holding you Back

Mon, 13 Oct 2025 06:00:00 +1100

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.

15 Inheritance, Legacy and Control - Everything you need to consider about receiving an inheritance

Mon, 06 Oct 2025 06:00:00 +1100

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.

14 Beyond the Numbers - Designing Your Retirement Life and the True Transition to Retirement

Mon, 29 Sep 2025 06:00:00 +1000

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.

13 Want to save $10,000? Here are 10 ways to save $1,000

Mon, 22 Sep 2025 06:00:00 +1000

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 naomi@hermoneymatters.com.au for coaching and courses.

Share this episode with a friend — because your money matters, your future matters, and you matter.

12 Aligning your money goals with what is most important to you

Mon, 15 Sep 2025 06:00:00 +1000

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.

11 Let’s Talk About Debt, Baby! - How to Save Hundreds of Thousands Off Your Mortgage

Mon, 08 Sep 2025 06:00:00 +1000

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!

10 The Time Warp of Ageing - Steps, Turns, and Twists through from the Active Years to Aged Care with Danni Dixon

Mon, 01 Sep 2025 06:00:00 +1000

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 naomi@hermoneymatters.com.au. 👉 For specialist aged care guidance, you can reach out to my guest Danni Dixon at Aged Care Steps — you can reach her at support@personaladvice.com.au.

09 It’s My Life - The Goal Setting Episode to Dream it. Plan it. Do it.

Mon, 25 Aug 2025 06:00:00 +1000

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.”

08 Holding Out For A Hero - Why Super needs to be your 'Super Hero'

Mon, 18 Aug 2025 06:00:00 +1000

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.

07 Wicked Games and Taking Back Your Power - From Financial Coercion and Control to Freedom

Mon, 11 Aug 2025 06:00:00 +1000

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.

06 Your Never Ending Money Story - How It Shapes Your Habits and Beliefs

Mon, 04 Aug 2025 06:00:00 +1000

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.

05 From $10k to Financial Freedom - What every Independent Woman needs to know about Investing

Mon, 28 Jul 2025 06:00:00 +1000

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.

04 Show Me The Money - The Surprising Secret to Building Wealth

Mon, 21 Jul 2025 06:00:00 +1000

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.

03 Sweet Dreams Are Made of This - Building Your Dream Retirement

Mon, 14 Jul 2025 06:00:00 +1000

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

02 Money for Nothing - 6 Ways to Help Your Kids into the Property Market

Mon, 07 Jul 2025 06:00:00 +1000

As much as we loved that Dire Straits song back in the day, there’s no such thing as money for nothing - especially when it comes to your kids! In this episode, I explore the topic of ‘The Bank of Mum and Dad’, and 6 of the most common ways parents are supporting their kids into the property market. I will discuss things like whether to ‘gift’ or to ‘loan’ your kids the money for a deposit, and the things you need to consider about these two options. We look at going guarantor, covering upfront costs or even buying a property together. Each one comes with things you’ll want to understand before jumping in. Very importantly, before you hand over money, sign on as a guarantor, or share property ownership, it’s so important to understand your own financial position. I’ll talk you through what to consider so that any help you give is thoughtful, sustainable, and doesn’t come at the expense of your own security. Just remember – money isn’t for nothing! The support you give your kids has impacts both you and them, and it’s okay to take a step back and make sure you’re in the right position to offer it. Because… Your Money Matters.

01 Start Me Up - From Humble Beginnings to New Beginnings

Fri, 13 Jun 2025 15:16:21 +1000

Welcome to the first episode of Her Money Matters. The title, 'From humble beginnings to new beginnings' outlines that I didn't grow up with money and I certainly didn't learn about it at home or at school, but through a life changing sliding doors moment, I was presented an opportunity to learn about money - one that changed my life forever. In this episode, I share what this podcast is all about and what you can expect from each episode. I also talk through my own money story in three parts: the lessons I learned growing up and from my upbringing, the formal education I’ve invested in, and the personal experiences that shaped how I’ve applied the financial knowledge I have learnt. I finish with why I started Her Money Matters as I think it is important to in this inaugural episode to outline how the many different parts of my life have led me to this place where I genuinely want to make a meaningful difference in the financial lives of women. This is the start of something that matters deeply to me, and I’m so glad to have you here from the very beginning.