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Good With Money

Feel good finance podcast, packed with frank and honest money conversations, and practical tips to help you be better with money.

Emma Edwards

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4 psychological reasons you cant stop spending money (and what to do about it)

16 things I did to prepare my finances for parenthood part 2

16 things I did to prepare my finances for parenthood, part 1

In this episode, I reflect on five things I did around five years ago that are paying off in a big way now — from scrappy investing beginnings to mindset shifts that changed everything. It's a reminder that small, imperfect actions compound over time in ways you simply can't see when you're in the thick of it. Key takeaways:  Starting to invest with just $5 a week can grow into something significant — consistency beats waiting for the "perfect" moment Paying off debt isn't just about clearing a balance; it builds the behavioural habits that fund every financial goal that comes after Delaying a lifestyle upgrade by even one or two years can mean making the move from a far stronger financial foundation Staying in a "comfortable" job can be just as costly as staying in a bad one  Letting go of a victim mindset around money (like "I just got unlucky") is what opens the door to actually changing your situation The hardest part of any financial goal is the early stages — but looking back is one of the best tools for staying motivated to keep going. See omnystudio.com/listener for privacy information.

5 things I did with my finances 5 years ago that are paying off now

I'm not being dramatic when I say my side hustles changed my life and finances forever. They truly did, both from a numbers perspective and in terms of my career. But nothing happens overnight! In this episode I'm talking through the 4 main side hustles I've had that've changed my life forever, including tips and advice on getting started yourself, and insights from everything I've learned along the way.See omnystudio.com/listener for privacy information.

The 4 side hustles that changed my life and my finances

In this episode I'm joined by Trish Gregory from our new podcast partner, Hayes & Co, to talk all things personal insurances. Insurance is one of the less sexy sides of personal finance, but it can actually have a profound impact on your financial future.  In this episode we talk about the role of insurance in building your financial confidence, the types of insurance you can get and what it can offer, and how to take insurance matters out of the too hard basket. Book a meeting with Trish to discuss your insurance requirements: https://calendly.com/trish-hcis/initial-insurance-meeting-bg Content contained in this episode is for educational purposes only and does not consider your personal circumstances. Broke Media Pty, trading as The Broke Generation (ABN: 22 681 944 141) is a Corporate Authorised Representative No. 001322176 of Rask Licensing Pty Ltd (ABN: 32 681 073 478) (AFSL: 563 907). The information, tools and content provided are general financial advice only. That means the advice does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate before acting. Always read the PDS and TMD before making any decision. If you are unsure, seek personal financial advice from a licensed adviser. Please read our Privacy Policy and Financial Services Guide. Past performance is not indicative of future returns. Investing always carries risk of loss.See omnystudio.com/listener for privacy information.

Hot girls have their insurances sorted, with Trish Gregory

Welcome again to another monthly wrap where I take you through an overview of what's been going on in my life, money and business. This is the last monthly wrap until August so buckle in for a bumper episode as I yap about all things new foundation, winding down work for maternity leave, and navigating the massive life change that's about to come.  Thanks again to PocketSmith for being the official partner of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of the standard plan.See omnystudio.com/listener for privacy information.

The Monthly Wrap: June

In this episode I'm joined again by Tash Etschmann from Tash Invests to dissect a particularly eye opening mortgage misconception I found on Reddit. A true lesson in why financial literacy and mortgage education should be a duty of care from lenders to would-be mortgage holders, we unpack how one first home buyer thought they were going to be making repayments at over 90% of their take home pay after a miscalculation blunder.See omnystudio.com/listener for privacy information.

The importance of financial literacy before homeownership: Reddit Rants, with Tash Etschmann

In this episode, I explore how replacing a rigid financial map with a values-driven compass can transform the way you manage money. Rather than chasing fixed numbers and linear plans, I share why understanding your deeper values leads to better financial decisions — especially in a world where careers, costs, and life circumstances are constantly shifting. Key takeaways:  Why rigid financial plans fail to account for real life changes The difference between a financial "map" vs. a financial "compass" How your values — not numbers — should guide your money decisions The three types of money values: spending values, short-term priorities, and big-picture values Why skipping the values work means you may reach your goals but still feel empty How a compass approach helps you honour both present and future you along the way See omnystudio.com/listener for privacy information.

Why having a "financial compass" will set you up for success

In this episode I'm joined by Tash Etschmann of Tash Invests to discuss the concept of lifestyle creep versus values-based spending, and how we keep on top of small expenses adding up while still enjoying our money and experiencing life now. Inspired by my recent $21 spend on coffee and hash browns on hotel room service, we unpack value versus values, the psychological concept of category limits, simplifying financial decisions with money rules, and keeping spending runways in check before they derail your progress.See omnystudio.com/listener for privacy information.

How do we balance lifestyle creep with still enjoying our money? With Tash Etschmann

In this episode I'm talking about a VERY important part of any goal: the pointless phase (don't worry, I'll explain). Nobody ever speaks about this aspect of personal finance, and often the advice we hear is coming from people on the other side of that struggle, leaving us psychologically disconnected from what we're being told. When we learn to recognise the pointless phase when we're in it, we can stay the course, get over the pointless hump, and finally start seeing progress. See omnystudio.com/listener for privacy information.

Why the “pointless phase” is a critical part of any goal

Another month has flown by so let's take a look back at what went down in my life, money and business in May! Thank you as always to PocketSmith for being the official sponsor of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's Standard plan.See omnystudio.com/listener for privacy information.

The Monthly Wrap May

There's a creeping cultural narrative that ambition is cringe, having goals is naïve, and if you're still trying to get ahead financially or professionally, you've somehow missed the memo that everything is pointless. And I get it. The disillusionment is real and it's earned. The system has genuine problems. But somewhere along the way, valid critique of broken structures has quietly morphed into a collective permission slip to abandon personal growth altogether. In this episode I'm unpacking that shift, questioning whether it's actually serving us, and making the case that you're still allowed to want better for yourself. Key takeaways:  Critiquing a broken system and abandoning all personal ambition are two very different things. ou can hold both the frustration and the drive at the same time Collective cynicism can feel like solidarity but it can quietly become a comfortable place to stay stuck Humans are psychologically wired for growth. Self-determination theory tells us that the drive toward competence and progress is a core human need, not a capitalist invention Getting better with money, pursuing meaningful work, or having personal goals isn't selling out. See omnystudio.com/listener for privacy information.

Why did trying become uncool?

Money is one of the last areas where we resist turning inward — and it's costing us. In this episode, I'm digging into why financial self-awareness is the missing piece for so many of us who feel stuck with money. We talk about pop psychology, the shame avoidance cycle, and why our brains are wired to work against us financially. The human brain isn't rational, and pretending money is just maths is exactly why so many of us can't get the outcomes we want. It's time to apply the same curiosity we bring to our relationships and our habits to our finances. Key takeaways:  Money is deeply emotional — our spending is driven far more by feelings, conditioning and habit loops than by logic, no matter how "mathematical" it looks on paper The shame avoidance cycle is real: when we feel shame about our finances, we avoid them — which only makes things worse over time Understanding why you behave the way you do with money is more powerful than trying to restrict or stop the behaviour cold Social media and marketing are constantly triggering emotionally driven spending — self-awareness helps you recognise those triggers before they hit your bank account The goal isn't perfection, it's curiosity — approaching your financial behaviour as an observer, without judgement, is where real change begins See omnystudio.com/listener for privacy information.

The power of financial self awareness

The Australian Government 5% Deposit Scheme and the Australian Government Help to Buy Scheme are two different pathways to homeownership for Australians – but do you know the difference between the two? If you're buying a home in the near future, these schemes may be relevant to you, and may support or shift the way you approach home buying. I've deep dived into both schemes, including the benefits, risks and considerations, and who they're best suited to, so you can feel more informed. PLUS I took your questions right from your fingertips to the top to get the answers. Highlights:  The difference between the two schemes Who is best suited to each (and who isn't) Considerations when buying using a scheme, and risks to be aware of Recent changes to the schemes that open them up to more people, including people who haven't owned property in the last 10 years, or single parents buying out a former partner Case studies from people who have used the schemes and how it impacted their home ownership journey.  Head to www.firsthomebuyers.gov.au to find out more and check your eligibility. This episode was created for educational purposes only, in partnership with the Australian Government.See omnystudio.com/listener for privacy information.

A deep dive into the Australian Government 5% Deposit Scheme and Australian Government Help to Buy Scheme

Trigger warning: this episode contains discussions around pregnancy and fertility. Back again with another Monthly Wrap sharing what's been going in my finances, and a look at what's going down in life, money and business. Plus, I share some personal news that I've been keeping under wraps for a while!  Mentioned in this episode:  Manners London trousers*: https://go.shopmy.us/p-51197832 Recipe Tin Eats fishcakes: https://www.recipetineats.com/salmon-patties/  Thank you as always to PocketSmith for being the official sponsor of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's Standard plan.See omnystudio.com/listener for privacy information.

The Monthly Wrap April

A rainbow literally appeared while I was speaking to you in this episode and if that's not a sign to open your mind up to all the ways you maybe CAN do the thing your brain is telling you you can't, I don't know what is.  In this episode I take you through a simple mindset shift that'll take you from fixed, restrictive thinking to a mindset of possibility and opportunity – and you'll barely recognise your finances once you try it.See omnystudio.com/listener for privacy information.

Why shifting from an "I can't because..." mindset to an "I can because..." mindset will change your finances immediately

One of your MOST LOVED eps from last year was all about upgrading your life without spending a fortune, so I'm back with more ways to do exactly that. From what you drink your morning coffee out of, to how you unwind when you're stressed, these 10 little upgrades are absolutely overflowing in lifestyle value and bang-for-buck.See omnystudio.com/listener for privacy information.

10 MORE ways to upgrade your life and feel like a baddie (without spending a fortune)

Ever feel like your brain is constantly running a background tab called "am I spending this right?" This episode is all about quieting that noise. Money rules can help you simplify your financial decisions and allow money to be a resource in your life. Instead of relying on willpower in the moment, your 'personal policies' let you pre-decide, so your future self doesn't have to. In this episode, we break down what money rules are, why they work (hint: systems always beat willpower), and how to build your own using a simple three-part framework.See omnystudio.com/listener for privacy information.

How to create money rules to simplify your financial mental load

Welcome back once again to The Monthly Wrap: what's been cracking in life, money and business over here at Broke HQ. Thanks as always to PocketSmith for sponsoring this episode. Each month I'll take you through:  The monthly mood: what was the vibe of my finances last month? An overview of the month in life, money and business RECEIPTS: where my money went, using my PocketSmith dashboard for insights The money mirror: what was my transaction list reflecting back at me BOARD MEETING: business updates, projects and challenges GROUP CHAT: life updates, hacks, recipes, and hot goss Next month's focus and 3 quick hit goals to focus on  Head to www.pocketsmith.com/thebrokegeneration to check out PocketSmith's foundation plan and snag yourself 2 months at 50% off.See omnystudio.com/listener for privacy information.

The Monthly Wrap: March

In this episode I'm diving into the doom spending narrative that's spreading online, including why we're tempted to do it, why it's unhelpful, and what to do instead. ORDER THE WARDROBE PROJECT!  Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx   ORDER MY FIRST BOOK, GOOD WITH MONEY  Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg  Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Don't doom spend right now – do this instead

In this episode I'm talking about a piece of advice that has come up over and over again in conversations about money in recent months, which is this: manage your money and your life like its a business and you're in charge. Developing emotional intelligence around your money is a critical part of being good with money – but we're not taught how to do it. Starting with this business-style approach to managing your money helps you see it like a tool, rather than an extension of your identity or a representation of your worth. Highlights:  Treating your life like a business to give you the clarity you need for success Allocating funds to your different life "departments" Being proactive and reactive accordingly Investing in growth and efficiency Adopting a "margin mindset" Identifying when your lifestyle isn't viable (and what to do instead) Viewing things from a big picture perspective by taking an annual approach to expenses  ORDER THE WARDROBE PROJECT!  Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx   ORDER MY FIRST BOOK, GOOD WITH MONEY  Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg  Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

How to manage your money and life like a business: build your financial EQ

Welcome back to another Monthly Wrap episode thanks to my friends at PocketSmith. Each month I'll take you through:  The monthly mood: what was the vibe of my finances last month? An overview of the month in life, money and business RECEIPTS: where my money went, using my PocketSmith dashboard for insights The money mirror: what was my transaction list reflecting back at me BOARD MEETING: business updates, projects and challenges GROUP CHAT: life updates, hacks, recipes, and hot goss Next month's focus and 3 quick hit goals to focus on  Head to www.pocketsmith.com/thebrokegeneration to check out PocketSmith's foundation plan and snag yourself 2 months at 50% off. Mentioned in this episode:  Cat probiotics https://amzn.to/4rTbAhm See omnystudio.com/listener for privacy information.

The Monthly Wrap: February in review

I'm back with a new instalment of my 'thank yourself in 10 years' series, so get your hot little butt out for a walk and listen to the next batch of stuff you can do to make life easier for yourself in a decade's time. Mentioned in this episode:  How to like yourself part 1: https://open.spotify.com/episode/1SkrdHK8Nn4jpp38lfyJUE How to like yourself part 2: https://open.spotify.com/episode/4O7qznE9gmMRzXB4gTbOXM   See omnystudio.com/listener for privacy information.

Things you'll thank yourself for in 10 years, part 3

n this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership. Episode 3 highlights:  The cost of common pet conditions/emergencies to be aware of How much to have saved if you don't have insurance  How to communicate with your vet over financial aspects of pet care How telehealth can help you reduce unnecessary trips to the vet and get immediate advice at home  PLUS there's a special offer for The Broke Generation listeners: use code VET10 to get 10% off your VetChat Plus membership and get unlimited telehealth appointments at any time of day, plus cover for 5 common pet emergencies https://www.vetchat.com.au/vetchat-plus?utm_source=the-broke-generation&utm_medium=podcast&utm_campaign=vetchat   Where to find Claire and VetChat on social media: https://www.instagram.com/vetchataustralia/See omnystudio.com/listener for privacy information.

Pet Finances Miniseries: how to build a financial safety net for your pet, with vet Claire Jenkins

In this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership. Episode 2 highlights:  Financial anxiety as a pet parent and what causes it Common red flags to look out for in your pets What mix of savings/insurance/coverage/check ups is ideal to stay on top of pet costs A vet's advice for keeping your pet healthy when they hate going to the vet  PLUS there's a special offer for The Broke Generation listeners: use code VET10 to get 10% off your VetChat Plus membership and get unlimited telehealth appointments at any time of day, plus cover for 5 common pet emergencies https://www.vetchat.com.au/vetchat-plus?utm_source=the-broke-generation&utm_medium=podcast&utm_campaign=vetchat   Where to find Claire and VetChat on social media: https://www.instagram.com/vetchataustralia/See omnystudio.com/listener for privacy information.

Pet Finances Miniseries: A vet’s advice on managing financial anxiety as a pet parent, with vet Claire Jenkins

In this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership. Episode 1 highlights:  Is pet insurance really worth it? How do I understand my policy better? What if I don't have it and it's too late now? The role of telehealth in managing your pet's health  PLUS there's a special offer for The Broke Generation listeners: use code VET10 to get 10% off your VetChat Plus membership and get unlimited telehealth appointments at any time of day, plus cover for 5 common pet emergencies https://www.vetchat.com.au/vetchat-plus?utm_source=the-broke-generation&utm_medium=podcast&utm_campaign=vetchat   Where to find Claire and VetChat on social media: https://www.instagram.com/vetchataustralia/See omnystudio.com/listener for privacy information.

Pet Finances Miniseries: Is pet insurance worth the cost? (and what to do if you don't have it) feat. vet and founder of VetChat Claire Jenkins

In 2025 I committed going one whole year without buying clothes... for a SECOND TIME! In this episode I take you through what I learned, the challenges, the wins, and how it differed from the first time around. The Wardrobe Project group challenge is now open for enrolment for our next cohort starting March 1st, and early bird pricing is available until 12th Feb! Save your spot here: https://thebrokegeneration.com/product/the-wardrobe-project-cohort-3/ Mentioned in this episode:  My new book, The Wardrobe Project: A year of buying less and liking yourself more: https://amzn.to/4qpQEge Previous episode about my experience giving up buying clothes for a year: https://thebrokegeneration.com/blog/episodes/i-didnt-buy-clothes-for-one-year-heres-everything-i-learned/?portfolioCats=362  ORDER THE WARDROBE PROJECT!  Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx   ORDER MY FIRST BOOK, GOOD WITH MONEY  Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg  Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

What I learned during my SECOND year of not buying any clothes

 The Monthly Wrap is BACK, BABY!!! A loved episode format from many moons ago, I'm thrilled to bring back my monthly wrap up of goings on in my finances, life and business, in partnership with my friends at PocketSmith. Each month I'll take you through:  The monthly mood: what was the vibe of my finances last month? An overview of the month in life, money and business RECEIPTS: where my money went, using my PocketSmith dashboard for insights The money mirror: what was my transaction list reflecting back at me BOARD MEETING: business updates, projects and challenges GROUP CHAT: life updates, hacks, recipes, and hot goss Next month's focus and 3 quick hit goals to focus on  Head to www.pocketsmith.com/thebrokegeneration to check out PocketSmith's foundation plan and snag yourself 2 months at 50% off. Mentioned in this episode:  Baguette recipe: https://www.aberdeenskitchen.com/2020/08/classic-crusty-french-baguettes/ See omnystudio.com/listener for privacy information.

The Monthly Wrap: January

In this episode I take you through an epic guided framework to help you create a blueprint for your hottest money year ever. Combining both objective and subjective elements of your finances, this blueprint will give you a complete look at your finances and establish the most bang-for-buck areas to focus on in 2026. Mentioned in this episode:  Payday routine episode: https://thebrokegeneration.com/blog/episodes/a-payday-routine-is-your-superpower-spendtember/ Financial values episode: https://thebrokegeneration.com/blog/episodes/bonus-miniseries-understanding-financial-values-and-how-to-spend-in-alignment-with-them/ Reflect & Reset 2 part workshop DISCOUNTED PRICE: https://thebrokegeneration.com/product/reflect-reset-2025/  ORDER THE WARDROBE PROJECT!  Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx   ORDER MY FIRST BOOK, GOOD WITH MONEY  Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg  Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

A blueprint for your hottest money year ever

Welcome to 2026!! In this episode I'm unpacking the power of pride (and the momentum it generates) in your personal finances and exploring what we can do to make ourselves proud this time next year.  Mentioned in this episode: Reflect & Reset | The two part workshop: https://thebrokegeneration.com/product/reflect-reset-2025/ ORDER THE WARDROBE PROJECT!  Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx   ORDER MY FIRST BOOK, GOOD WITH MONEY  Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg  Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Why self-pride should be your number one success metric for 2026

BOOM we are hitting the ground running this January with a red hot look at where I spent my money in 2025 and what my plans are for it in 2026. Special thanks to PocketSmith for making this episode possible. Visit www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan. ORDER THE WARDROBE PROJECT!  Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx   ORDER MY FIRST BOOK, GOOD WITH MONEY  Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg  Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Where my money went in 2025 and where I want it to go in 2026

It's that time of year again! Join me as I rattle through 26 goals for 2026, in the realms of money, business, health, and happiness. ORDER THE WARDROBE PROJECT!  Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx   ORDER MY FIRST BOOK, GOOD WITH MONEY  Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg  Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

26 goals for 2026

 Welcome to the annual TBG end of year guided money reflection! Grab your notebooks, pour yourself something tasty, and buckle in for a series of reflective questions about your year in money. Want more? Dive deeper with my two part workshop series, Reflect & Reset, available instantly on demand, with a Money on a Page worksheet to complete between sessions. https://thebrokegeneration.com/product/reflect-reset-2025/ Thank you so much for being a part of the podcast this year, I appreciate you SO much! Here's to 2026. ORDER THE WARDROBE PROJECT!  Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx   ORDER MY FIRST BOOK, GOOD WITH MONEY  Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg  Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

End of year guided money reflection

It's that time of year! Join me as I review my 25 goals I set for 2025 and cover off which ones I achieved, which ones I didn't, and what I learned along the way. Mentioned in this episode:   The spending trap of thrifting: https://open.spotify.com/episode/1ytJRW47lzqxfzWJT9x1SG?si=3A7SSXmySauLAPH95zz8CA  ORDER THE WARDROBE PROJECT!  Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx   ORDER MY FIRST BOOK, GOOD WITH MONEY  Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg  Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

GOAL REVIEW: 25 goals for 25

In this episode I'm joined by Tash Etschmann (@tashinvests) for a chat about all things POINTS! We unpack everything from Qantas versus Velocity for frequent flyer points, Everyday Rewards vs FlyBuys, and other programs that offer added benefits.  Join me as an Everyday Extra gal here: https://rewards.app.link/wc7wWEYYoOb ORDER THE WARDROBE PROJECT!  Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx   ORDER MY FIRST BOOK, GOOD WITH MONEY  Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg  Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.  See omnystudio.com/listener for privacy information.

Reviewing the best points and rewards programs in Australia, with Tash Etschmann

We're back again with another week in our wallets brought to you by PocketSmith. This week Victoria galivants around Japan while Emma has a low key week of hustling. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan.See omnystudio.com/listener for privacy information.

A week in our wallets: The Comments Section with E & V

In this episode I'm joined by Kim Heironymous, education manager at AustralianSuper, to talk all things superannuation and how to get engaged with your superfund for the benefit of your future self. Highlights:  Understanding how super contributions work How you can make up for years of low/no super How spousal splitting and co-contributions can help you level the super playing field in your relationship The impact of small additional contributions Small ways you can take steps towards a better retirement  Take your Super Snapshot here to see how you’re tracking! - Disclaimers: If you’re considering making a decision about AustralianSuper, please read the relevant PDS and TMD available at www.australiansuper.com. Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super. Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. AustralianSuper modelling projections show a high school graduate who starts their retail career at 18yo and earns 12% SG on their Ordinary Times Earnings (OTE) of $56,000 throughout their working life can expect a balance of $556,000 when they retire at 67. At 20yo, they change their investment option from Balanced to High Growth. They continue to earn 12% SG on their OTE of $56,000 throughout their working life. By changing their investment option, they can now expect a balance of $641,000 when they retire at 67 – that’s $85,000 more than if they hadn’t taken action. The projection is only an estimate and isn’t a guarantee. The actual benefits you receive will depend on a range of factors including future economic conditions, investment performance and legislative change. Assumptions: Calculations at September 2025. Salary as per General Retail Industry Award (Retail Employee Level 4) 1 at 25 June 2025. Salary indexed at 3.5% pa. AustralianSuper administration fees of $1 pw and 0.10% of account balance (capped at $350 pa) and AustralianSuper average insurance costs of $450 p.a. Assumes member will receive a tax benefit of 15% on any administration fees and any insurance fees deducted directly from the account. Investment returns projected over the working lifetime are 6.5% p.a. for the Balanced option and 7.0% p.a. for the High Growth option, net of fees and applicable taxes. SG contributions are 12% pa from 1 July 2025. Assumes member works full-time throughout the projection period with no career breaks. See omnystudio.com/listener for privacy information.

How to make 2026 the year you get engaged with your superfund, with AustralianSuper

Welcome back to another episode of A Week In Our Wallets, this time brought to you by our fabulous friends at PocketSmith! Head to www.pocketsmith.com/thebrokegeneration to try PocketSmith for yourself. See omnystudio.com/listener for privacy information.

Welcome back to things you'll thank yourself for in 10 years. If you haven't listened to part one yet, go and do so. This week I'm diving into more small things you can do for your life, health and finances that you'll thank yourself for in the future. Share this with someone you think will enjoy it!  See omnystudio.com/listener for privacy information.

5 things you'll thank yourself for in 10 years PART TWO

Welcome to the annual Black Friday episode where I take you through my observations on the sales sentiment this year, comb through retail reports on what the industry is seeing, and of course, leave you with my top tips, mindsets to embrace and traps to avoid to ensure you're happy with your spending by the end of it all! See omnystudio.com/listener for privacy information.

How to not overspend this Black Friday

It's officially release day for The Wardrobe Project (in Australia, anyway!). Rest of world, you're only about a week or so away! In this special release day episode I take you through a bit about the writing process, my 5 favourite things about the book, and a sneak peek reading of a few pages. Get your tickets to one of the launch events below – I can't wait to see you! Melbourne: https://www.trybooking.com/events/landing/1496871 Sydney: https://www.trybooking.com/events/landing/1489984 Order your copy!  Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  UK: https://shorturl.at/fKH5O  Non-Amazon UK: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx   Or Google search "The Wardrobe Project by Emma Edwards" in your region for local results.  See omnystudio.com/listener for privacy information.

The Wardrobe Project is HERE! Book release special + sneak peek

In part one of this new series, I'm sharing a raft of things you'll thank yourself for in 10 years. No matter what age or stage of life you're at, there's something to be said about doing something now that'll pay off in the future. Often we wait around for the perfect time to start something, only to realise that the years have passed anyway, and we'd be so much further along with something if we'd just taken that one first step a decade ago. PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

5 things you'll thank yourself for in 10 years (part 1)

WE'RE BACK BABY!!!! In this episode, I'm joined by KJ. a passionate financial advocate openly sharing her financial journey. KJ discusses her experiences migrating to the UK from Zambia aged 7, detailing her struggles and triumphs with debt management and living her 'best boujiest life' while building financial confidence. From her educational background in law to a rewarding consulting career, her story highlights the importance of financial literacy and emotional resilience. KJ also touches on the concept of 'black tax,' the pressures of being an eldest daughter, and her strategies for effective budgeting and financial planning. Her journey showcases how overcoming financial challenges requires internal growth and practical techniques. Highlights:  The shame of debt and debt cycles The "black tax" and family expectations within cultures Early money conversations and how they shape us Cultivating a drive for success and growth Navigating a career in consulting and doubling your salary Believing in yourself when the world doesn't Budgeting while living your best boujiest life  Where to find KJ: https://www.tiktok.com/@kjkas4?_r=1&_t=ZS-918LdLIfd48See omnystudio.com/listener for privacy information.

Repaying debt, doubling your salary, and striving for success when the tide is against you, with KJ Kasuka

A short message from Emma to let you know the podcast is taking a teeny tiny 2.5 week break to catch up on editing and making the show the best it can be for your favourite months of episodes: December and January!  Here are five of the greatest hits episodes from the back catalogue to listen to while I'm gone:  3 things that fundamentally changed my finances forever 10 things to do instead of self-soothing with spending 7 money mindset shifts I’ve had to go through on my finance journey so far Is it unfeminist to discuss women’s spending habits? SPENDTEMBER with Emma & Victoria “Spending” vs “investing in yourself”  Or why not head over to Broke Business and have a listen to the money podcast for business owners! See omnystudio.com/listener for privacy information.

The podcast is taking a short break!

This was a hotly requested episode as we hurtle closer towards gift-giving season, so settle in for a deep dive into why gift giving is its own unique taboo, and some strategies for addressing expensive traditions or norms.  PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

How to handle expensive gift-giving traditions in families and friend groups

In this solo episode I'm talking all things THRIFTING! Shopping second hand can feel like the perfect loop hole for your little treats, without breaking the bank or the environment. But the guilt-free dopamine dispenser of shopping second hand, whether on apps like Vinted and Depop, or in op shops, charity shops and vintage stores, can lead to unhelpful behavioural cycles that leave you with more questions than answers. In my year-long experiment of not buying any clothes, I banned thrifting too. Now, I'm learning to integrate second hand shopping back into my overall approach to clothing and style, and WOW, I learned a lot. This episode will share my insights into the dopamine trap of second hand shopping, and the skills to master in order to be able to do it mindfully. Mentioned in this episode:  Money Sleepover Retreat https://www.yogablewellbeing.com/themoneysleepover   PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.  See omnystudio.com/listener for privacy information.

The hidden spending trap of thrifting (and how to do it mindfully!)

In this solo episode I'm sharing with you the One Win Rule: a framework I developed to help you connect your beliefs and behaviours in order to break unhelpful money cycles. Whether you keep spending money when you don't plan to, or you feel like you'll never get ahead at work, or you feel like your business/side hustle is failing, the "One Win Rule" can help you intercept any pattern using principles from financial psychology.  PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

How to use the "One Win Rule" to break unhelpful money patterns

Welcome back to another Emma's Dilemma. Today we're unpacking a curly one about what happens when we cut off one area of spending... but just spend the same amount in another area. In this episode I dive into:  The difference between being pulled to spend on one specific area vs spending as a behaviour more generally An exercise to understand the unmet needs we might be responding to with spending transference The concept of hedonic adaptation and how we can combat it The PERMA model from Positive Psychology and how it can help us get more meaningful value from our money  PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Emma's Dilemma: HELP! I stopped buying clothes, but kept spending everywhere else...

In this episode I take you through the concept of "following up" with yourself, and how you can use it to change your behaviour in a way that ACTUALLY works for your brain, rather than against it.  PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Why following up with yourself is the ultimate behavioural hack (and how to do it!)

Welcome back to Emma's Dilemma, where I take your dilemmas and answer them with piping hot advice on life and money. Today's dilemma is all about untangling that overwhelming feeling of having competing priorities and deciding which direction your life is going to go in next.  In this episode, we cover:  "Holding space" for that feeling of overwhelm Addressing what we're avoiding by allowing the overwhelm to win A matrix for helping you plot out what matters most to you Turning that into an action plan for what's next.  Mentioned in this episode: printable matrix template for goal prioritisation https://thebrokegeneration.com/wp-content/uploads/2025/09/Goal-Priority-Matrix.pdf  PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Emma's Dilemma: how do I manage competing life priorities when everything feels messy?

Welcome to the final episode in our 3 part mini series with mortgage broker, Kobe Clarke-Jacobs. In this final instalment we're debunking how a change in income or circumstances changes and impacts your ability to buy a home. Whether you're planning on going on parental leave, taking a pay cut or changing jobs or industries, you'll find all the home loan insights you need in this nifty ep. Where to find Kobe: Instagram: @financewithkobe TikTok: https://www.tiktok.com/@financewithkobe  Website: https://financewithkobe.com.au/ See omnystudio.com/listener for privacy information.

Can I buy a home if... my income is going to change soon? With Kobe Clarke-Jacobs

In this episode we're debunking the myth that it's too hard to buy property if you're self employed, freelance or run your own business. Mortgage broker and friend of the pod Kobe Clarke-Jacobs breaks down what you need to know, how lending works for self employed earners, and why you don't need to buy into the lie that it's too hard to borrow. Where to find Kobe: Instagram: @financewithkobe TikTok: https://www.tiktok.com/@financewithkobe  Website: https://financewithkobe.com.au/ See omnystudio.com/listener for privacy information.

Can I buy a home if... I'm self employed? With Kobe Clarke-Jacobs

Welcome to a hot new little mini series with mortgage broker, Kobe Clarke-Jacobs, where we debunk the reasons you might think you can't buy a home, and break down how we go about buying if we're in some of those scenarios. First up: we're looking at you, single pringles. Buying solo gets a bad rap, but it's absolutely possible, and in this episode, Kobe explains how. Where to find Kobe: Instagram: @financewithkobe TikTok: https://www.tiktok.com/@financewithkobe  Website: https://financewithkobe.com.au/ See omnystudio.com/listener for privacy information.

Can I buy a home if... I'm single? With Kobe Clarke-Jacobs

Hello shareholders and welcome to the Broke HQ Annual General Meeting (read: very yappy, chatty podcast giving you a behind the scenes look at what's been happening at The Firm, Broke HQ). PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Business BTS: what's been happening at The Firm

Welcome back to episode 3 of The Wardrobe Project mini series! For our final episode I'm talking about the other side of the coin: what happens when you complete a year long experiment to not buy a single item of clothing? How does it feel? Did anything change? And what is life like on the other side of an obsession with clothes? I tell all in this final episode of the series. Mentioned in this episode  Podcast episode: What's it like to buy again after a year long wardrobe freeze?: https://open.spotify.com/episode/7cokG9nD8HHgHXsCeA3hIo?si=cd9d5345eaec4c1b  If you've enjoyed this mini series I'd so appreciate you snapping up a preorder of the book! Your receipt will get you access to an upcoming webinar and the ability to enter the prize draw that's coming very soon. Stay tuned for more info!  Preorder your copy below or Google search "The Wardrobe Project Emma Edwards" for local results in your region.  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   PLUS follow @thewardrobeprojectbook on Instagram for all preorder incentive updates, workshops and launch events plus exclusive clothing content.See omnystudio.com/listener for privacy information.

What really happens after a year of not buying clothes? The Wardrobe Project Mini Series

In episode 2 of The Wardrobe Project Mini Series, I'm taking you through 10 things that drive irrational clothing purchases, and why we're so often left feeling like we have nothing to wear despite staring at a wardrobe full of clothes. From emotional soothing, to dopamine-seeking, to misattributing the feelings of shopping, there are so many nuggets to explore in this episode. If you enjoy it, you'll love my new book, The Wardrobe Project, coming November 2025. Preorder your copy below or Google search "The Wardrobe Project Emma Edwards" for local results in your region.  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   PLUS follow @thewardrobeprojectbook on Instagram for all preorder incentive updates, workshops and launch events plus exclusive clothing content.See omnystudio.com/listener for privacy information.

10 motivators of irrational clothing spending: The Wardrobe Project Mini Series

WELCOME TO THE WARDROBE PROJECT MINI SERIES, BABY! In celebration of launching my upcoming second book, The Wardrobe Project, this mini series will give you a little taster of the contents of the book and the year challenge I set myself to not buy clothes. In this first episode we're breaking down the 5 key things that made me want to investigate my clothes buying habits, from money leaks and emotional spending hanging around after my debt pay off, to lockdown confidence challenges and cognitive dissonance around sustainability. Preorder your copy of The Wardrobe Project below, or Google search "The Wardrobe Project Emma Edwards" for local results in your region.  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   PLUS follow @thewardrobeprojectbook on Instagram for all preorder incentive updates, workshops and launch events plus exclusive clothing content.See omnystudio.com/listener for privacy information.

5 things that made me want to change my relationship with buying clothes: The Wardrobe Project Mini Series

Everyone's talking about "locking in" and setting up their September to December sprint. So as always I'm here to be your brain-obsessed behavioural guide to designing your own lock in that doesn't leave you borrowing inspiration from everyone's TikToks.  In this episode, I cover:  How to get double the progress for half the effort by borrowing motivation from another goal Choosing your focus areas with intention How to stay the course for the rest of the year (and why most of your energy shouldn't be spent trying to go hard for 12 whole weeks) Why the energy you bring to your lock in matters, and why it might be different depending on where you are in the world. The importance of reflecting as you go through your lock in  PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

The great "lock in" of 2025: how to design your own blueprint for September to December

In this solo episode I'm taking you through 5 powerful money conversations to have with people in your life that will rock your relationship with money, shatter your limiting beliefs and shift your self-understanding into lightbulb moment territory.  Come on retreat with us this November 20th - 23rd in Samford, Queensland! Spend 4 days at our luxury retreat centre and have meaningful money conversations, like these, alongside money workshops, yoga, crafts, pool swims, saunas, naps, and delicious feeds from a private chef. Reserve your spot here: https://www.yogablewellbeing.com/themoneysleepover Mentioned in this episode: @tashinvests  PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.  See omnystudio.com/listener for privacy information.

5 money conversations that'll start to shift your financial perspective and self-understanding

In this solo episode I’m sharing why September is my FAVE month for working on your financial goals, and offer you a hot little plan to see you to the end of 2025. Highlights:  Why motivation is higher in September than January, and why landmarking our pursuits of change is helpful The power of a shorter runway to success The value of imminent reward The 3 Ps of short deadlines: procrastination, priorities and perfectionism A plan for your next 4 months A mindset to keep you motivated  JOIN SMART SPEND-TEMBER FOR JUST AU$28! https://thebrokegeneration.com/product/smart-spendtember/See omnystudio.com/listener for privacy information.

Why September is the best time to work on your money goals (and how to make the most of it)

In this solo episode I'm taking you three behavioural turning points that fundamentally changed my finances forever. From identifying cycles that are keeping you stuck to always investigating the beliefs that your behaviour is upholding, this punchy ep is a masterclass in owning your own financial mindset and making positive change. PREORDER THE WARDROBE PROJECT!  Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

3 things that fundamentally changed my finances forever

Welcome back to another week in our wallets, where we take you through what we spent in a week, why, and how we felt about it after. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaft Book: Know Your Worth, Victoria Vivente (9781923022430) — Readings BooksSee omnystudio.com/listener for privacy information.

A week in our wallets. Cat food, charcuterie and a gastroscopy: The Comments Section with E&V

In this final episode of my mini-series with financial advisor Jess Brady, we dive into the crucial but often overlooked topic of risk management and insurance. Jess shares her personal experience of becoming uninsurable and making insurance claims, highlighting why timing matters when it comes to protecting your financial future. We explore the different types of insurance available and how to balance protection with affordability. Highlights:  Why protecting your wealth is just as important as growing it The three key risk categories: income, assets, and expenses Jess's personal story of becoming uninsurable and claiming on income protection The reality of insurance claims processes and what insurers actually do A shocking private health insurance story that cost over $7,000 out of pocket  You will learn:  How to objectively assess the financial risks you face in life The different types of insurance available and when you might need them Why getting insurance while young and healthy is crucial for your financial future How to find and work with insurance specialists rather than going it alone The importance of understanding what you're NOT covered for in any insurance policy  Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG Where to find me: Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! https://amzn.to/4jnBupb  **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe See omnystudio.com/listener for privacy information.

Grow your money mini series: Risk management, with Jess Brady

In this second episode of my mini-series with financial advisor Jess Brady, we explore the concept of a "Freedom Fund" and why investing doesn't have to be about becoming ultra-wealthy. Jess breaks down how to reframe investing as a tool for creating choices and opportunities in your life, rather than just chasing passive income. We discuss the psychological barriers that keep people from starting their investment journey and introduce Jess's six-step investment framework. Highlights:  Why Jess calls it a "Freedom Fund" instead of an investment portfolio The difference between "freedom from" and "freedom to" in financial planning How investing $5 can be a gateway to building wealth over time The shocking story of a gas station worker who built an $8 million portfolio Why market volatility preparation matters more than perfect timing  You will learn:  How to reframe investing as a tool for creating life choices rather than just wealth accumulation The psychological barriers that prevent people from starting and continuing their investment journey Why consistency in investing matters more than sophisticated strategies How to prepare mentally for market downturns with a "sleep at night plan"  Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG   Where to find me: Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! https://amzn.to/4jnBupb  Preorder my new book, The Wardrobe Project, coming November 26th!   Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx   **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe See omnystudio.com/listener for privacy information.

Grow your money mini series: Building your Freedom Fund, with Jess Brady

In the first instalment of this three-part mini series, financial adviser and educator Jess Brady shares candid insights into her journey, experiences, and expertise. This episode sets the tone for an inspiring and practical series, where Jess unpacks lessons learned from building a career in finance, running her own business, and empowering others to take control of their money.  Episode 1 focuses on your money memoir – all of those experiences and memories that form your relationship with money. Together we discuss the power of understanding your history with money and how it can unlock the softer skills of personal finance. Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBGSee omnystudio.com/listener for privacy information.

Grow your money mini series: Your "money memoir", with Jess Brady

In this episode we dissect the dynamic between a trust fund kid and a minimum wage worker, as depicted in a recent video by @Cut on Instagram: https://www.instagram.com/reel/DMx7GErP_QE/?igsh=MXZjcXVuNzVwb29qbg%3D%3D  We explore why the rich feel the need to be vague when asked about their wealth, whether financial transparency more broadly is always a good thing, and the ways in which money doesn't guarantee happiness. See omnystudio.com/listener for privacy information.

Trust funds, financial secrecy, and the pros and cons of financial transparency: The Comments Section with E & V

In this voice-note style ramble, I unpack how the elusive idea of being "cool" can impact the way we spend our money, particularly if we've got old wounds from not being one of the cool kids in high school. From expensive hobbies to dressing for who you wished you were, there's still something so idealised about being "cool" even as an adult, and as years rattle by and we we ride the ups and downs of life, can "coolness" catch us out at any age? Where to find me: Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! https://amzn.to/4jnBupb  **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe See omnystudio.com/listener for privacy information.

The cost of being cool: do old wounds die hard?

New episode style alert! Join us as we take you through a week in our wallets: what we spent, why, and how we felt afterwards. You might love it, you might hate it, but we'll never know if we don't give it a whirl. Whack this on while driving, cleaning the kitchen or on your walk around the block when you hit your limit on work BS. Like it? Slide into our DMs to let us know you want more!  See omnystudio.com/listener for privacy information.

A week in our wallets: The Comments Section with Emma & Victoria

This solo episode tackles the familiar feeling of wanting to self-soothe with spending - those moments when you're hurtling toward an "I need a little treat" purchase. I'm sharing 10 practical alternatives that combine behavioural redirects (techniques to help you move through the urge) and behavioural replacements (activities to focus on instead). Whether you're stress shopping, doom scrolling into purchases, or feeling that "fuck it, I'm just gonna order it" moment, this episode provides a toolkit to intercept those spending runways before they take off. The goal isn't to never spend again, but to regain control when your decisions don't feel like your own. Key takeaways  Learn to identify and name the emotions driving your spending urges Use movement and physical activity to shift your mental state Apply the "Tomorrow Rule" with positive, permission-focused language Channel creativity and use what you already own instead of buying new Create pause points between feeling the urge and taking action Build visual anchors that connect you to your bigger financial goals Replace the "see-want-buy" cycle with healthier behavioural patterns Complete small satisfying tasks to get dopamine hits without spending Understand that strong feelings don't equal facts about what you need  Mentioned in this episode: https://www.allrecipes.com/recipe/241038/microwave-chocolate-mug-cake/  Where to find me: Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! https://amzn.to/4jnBupb  **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe See omnystudio.com/listener for privacy information.

10 things to do instead of self-soothing with spending

Content warning: this episode discusses themes of cancer, mortality and fertility. Welcome to another episode of That's Juicy and this week we have a very special guest, friend and colleague of mine, Chloe Adams from PocketSmith. Chloe joins us to share her experience of being diagnosed with ovarian cancer in her thirties, despite having said two weeks prior that she was the healthiest she's ever been.  We discuss how such a life altering diagnosis affects your money mindset, your outlook on the future, and big life decisions, and explore how being financially prudent when you're healthy can pay off big time if you find yourself dealing with a serious illness. I'm pleased to give one spoiler alert that this episode has a happy ending and Chloe is now cancer free. Mentioned in this episode:  Chloe's article for the Ovarian Cancer Foundation NZ: https://ovariancancerfoundation.org.nz/ovarian-cancer-story/ova-achiever-my-struggle-with-ovarian-cancer-at-32/ PocketSmith: the personal finance software for all walks of life www.pocketsmith.com/thebrokegeneration    See omnystudio.com/listener for privacy information.

THAT'S JUICY: Surviving ovarian cancer in your thirties, with Chloe Adams

The title of this episode is far more intellectual than the contents of it. You have been warned. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaft Book: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books  See omnystudio.com/listener for privacy information.

Old money, quiet luxury, and the subtle erasure of women's individuality: The Comments Section with E & V

Welcome back to another Emma's Dilemma episode where I address burning dilemma's from listeners. Today we have an absolute zinger: should I spend all my money now so I don't have regrets later?  Good question. Should you? Watching the world collapse around us naturally creates a fear response in our minds, so it's tempting to make decisions like this to feel like you're empowered and in control. But, while you'd be avoiding some regret, you're not avoiding all regret – and that's the reality we need to get our minds to understand. In this episode, I take you through:  Why it feels like there's no point doing anything good with your money How the brain seeks psychological relief The impact of acting on fear-responsive thoughts A decision framework to help you act from a place of power rather than fear The importance of reframing fear-based thoughts to protect your money mindset over the long term.  Got a dilemma? Email podcast@thebrokegeneration.com or drop it into the Broke Gen Baddies Facebook group: https://www.facebook.com/share/g/16ZLKbV364/  Where to find me: Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! https://amzn.to/4jnBupb  **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe See omnystudio.com/listener for privacy information.

Emma's Dilemma: "Should I spend all my money now and just enjoy life so I don't have regrets?"

Join us as we share our best life hacks for surviving and thriving in chaos, as we do best. From Victoria's "end of trip" routine to Emma's lanyard obsession, we hope you'll find something in this episode that'll make your life a little easier. Plus, we discuss this year's upcoming Prime Day sale and share our best advice for savvy sale shopping. Products mentioned in this episode*: Kindle in "matcha green": https://amzn.to/44qv8Pq Underwear drawer organisers: https://amzn.to/45N1VAB  iPad keyboard: https://amzn.to/4eAMf5R Shoe caps: https://amzn.to/44wh8Uq Bulk dishwasher tablets: https://amzn.to/3ZW2pAM  Emma's favourite spinning cleaning brush: https://amzn.to/4lFOWFxSee omnystudio.com/listener for privacy information.

Tips for surviving and thriving as chaotic queens: The Comments Section with E&V

It's that time of year again! Let's check in with how I'm getting on with the 25 goals I set for 2025, and whether I'm moving in the right direction to tick them off.See omnystudio.com/listener for privacy information.

Mid year check in: 25 goals for 2025

This episode is a recast of my annual guided mid year money review that is PERFECT for taking stock of where you're at as we close out the first half of 2025 and look ahead to what's to come. Even if you've heard this 5-step review process episode before, I encourage you to listen again with this year in mind. These things are always different every time we do them!  The goal of this guided mid year money review is to get you to farm the data from the first half of the year and deploy your learnings into the second half of the year. Often we approach goal setting from a best-case-scenario mindset, which can set us up to fail. By anchoring ourselves in the mid point of the year, and using the real data of Jan - June in our finances to inform what's possible for Jul - Dec, we can set goals and intentions with context, and that set us up for success.  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Mid year money reset: guided review + reflection

We're back with another 20 minute timer episode – this time we're trying to share our best travel hacks, but end up spending way too long talking about our Qantas plane food bingo before our booking in the recording studio was up. We'll finish giving you our best hacks another day, promise! See omnystudio.com/listener for privacy information.

Qantas plane food, expensive suitcases and travel hacks: The Comments Section with E&V

It's Gemini season, which means it's my birthday month, and so it's time for one of your favourite episodes: the birthday ep! Usually, I do something like 30 things I've learned by 30, but now I'm 34, it's getting HARD to come up with 34 things. So instead, I'm taking you through 5 big lessons from my thirties in general, now that I'm well and truly settled in, buckled up and hurting towards my mid thirties at pace.  Highlights:   How your 20s are different to your 30s Why your values matter more than anything  The opportunities of your 30s that are not to be missed Why we shouldn't be trying to stop comparison altogether, but instead manage it better The benefits of seeing compounding efforts pay off See omnystudio.com/listener for privacy information.

Birthday episode: 5 money lessons I've learned from my 30s so far

We set a 20 minute timer and yap about the recent news around Buy Now Pay Later becoming available for food delivery in the US, what this means from a social and financial perspective, and the broader context of our culture of convenient food delivery.See omnystudio.com/listener for privacy information.

BNPL on food delivery + the hell of convenience culture- The Comments Section with E&V

Welcome to a new segment of the podcast, Emma's Dilemma! In these bitey eps I'll be answering your dilemmas with my behavioural and psychological wisdom. This week we're unpacking the dilemma of whether or not to use a voucher or a store reward, what to do when a considered purchase ends up being really disappointing, and what happens when you're on a wardrobe no-buy but you hate everything you own. Got a dilemma? Send it to podcast@thebrokegeneration.com with Emma's Dilemma in the subject line. Mentioned in this episode: https://thebrokegeneration.com/blog/episodes/financial-red-flags-in-a-relationship-with-respect-victoria/ Where to find me: Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! https://amzn.to/4jnBupb  **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe See omnystudio.com/listener for privacy information.

Emma's Dilemma- should I spend a voucher, disappointing purchases, and wanting to buy on a no-buy

Earlier this year, The Guardian published an article on Jo Nemeth: the woman who lives without money. Instead of engaging in paid work and using that income to pay for goods, services and shelter, she contributes to an intergenerational household with unpaid labour.  In this episode, we unpack the concept of living without money, including whether it's a giant leap forward to a society less hamstrung by late stage capitalism, or whether it's a sinister step backwards to a time when women lived without money under the control of their male partners.  Read the full article here: https://www.theguardian.com/lifeandstyle/2025/feb/01/meet-the-woman-who-lives-without-money-i-feel-more-secure-than-when-i-was-earning See omnystudio.com/listener for privacy information.

Could you live without money? The Comments Section with E & V

In this episode I share 6 tips on what to do when life is life-ing and all you want to do is avoid, sabotage, and spend all your money on things you know you don't need. I take you through a recent personal experience of feeling too overwhelmed to do the right thing for my finances and how I got myself out of that without shame or guilt. Highlights:  Treating your emotions like they're a toddler having a tantrum Understanding the role of your sabotage behaviour Observing what your mind wants to do and why Using strategic permission to hold two truths at once and gradually shift your behaviour when you're ready. See omnystudio.com/listener for privacy information.

Managing spending when your mental health is slipping

We're baaaaaaack! Well, kinda. While we're not back for a proper new season of The Comments Section, we've got a few special edition yaps that we'll be dropping for your listening pleasure over the coming weeks. Not a full meal, but a tasty morsel that leaves you wanting more (we hope).  In this episode, we're building on a topic we discussed at Victoria's recent book launch in Perth: is "Temu culture" destroying our relationship with money? Spoiler alert: yes. Highlights:  The dangerous 'aestheticification" of our every aspect of our lives  Are fast homewares just as bad as fast fashion? Are our clothes really wearing out, or are we just not mending them? The sinister meaning behind Temu's tagline "shop like a billionaire"  Where to find Emma Website: https://thebrokegeneration.com/See omnystudio.com/listener for privacy information.

Is "temu culture" destroying our relationship with money? The Comments Section with E & V

In this 'That's Juicy' episode, I chat with mortgage broker Jess Bailey about the human side of home buying. We explore how personal circumstances shape financial decisions and how brokers can advocate for clients whose situations fall outside traditional lending norms.   Episode Highlights:  The reality of social media credit card points discourse versus actual travel rewards How having children with special needs changes financial priorities and perspectives Navigating home loans for diverse relationship structures and non-traditional buyers Why understanding what you want your life to look like should inform property decisions Government schemes that can help first home buyers and single parents enter the market  Where to find Jess: Instagram: @lendingsolved Website: https://www.lendingsolved.com.au/ Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration Order my book, Good with Money! https://amzn.to/4jnBupbSee omnystudio.com/listener for privacy information.

THAT'S JUICY: navigating life's curveballs when buying a home, with Jess Bailey

In this follow-up episode, I share four more behavioural hacks to make managing money feel easier and more enjoyable. I explore psychological approaches that can transform your relationship with budgeting and saving while still living a life you love.   Episode Highlights:  Why building small joys into your budget is essential for long-term financial success Creating a "dream budget" as a tool to identify what you truly value The "ins and outs" method for balancing financial priorities each month How visual connections to your goals can trigger powerful behavioral changes When taking a strategic "budget break" might actually benefit your financial journey   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration Order my book, Good with Money! https://amzn.to/4jnBupbSee omnystudio.com/listener for privacy information.

Financial behaviour hacks to make money simpler, part 2

Welcome to a 3-part mini series to celebrate our upcoming retreat in partnership with Yogable, The Money Sleepover this June! In episode one, we're giving you a taster of the types of money conversations we'll be having at the retreat and the type of vibe you can expect, by discussing the concept of a "silent dream". You know, that thing you always kinda wanted to do but think it's too late or that it'll never happen.  Highlights:  What is a "silent dream" and how do we uncover ours? The things people regret not doing when they reach end of life Time is passing – why don't we act? The comfort zone of missed opportunity  - The Money Sleepover is the ultimate women's financial wellness retreat, with all the fun of a sleepover from your youth, but for grown ups. Think: private chef, a sauna, yoga sessions, mindful crafts, facilitated money conversations and empowering finance workshops to help you live a life of joy and purpose. We have a handful of spots left for the retreat, so get yourself booked in here: https://www.yogablewellbeing.com/themoneysleepover   See omnystudio.com/listener for privacy information.

What's your "silent dream" and are you ready to address it? With Tash Etschmann [RETREAT SPECIAL]

In this top loved episode I'm chatting about one of your FAVE topics on the pod: clothing spending. Oh, it's such a beast, isn't it?! If you relate to the feeling of outsourcing your identity to consumption, you'll love this episode.  GET YOUR TICKETS TO MASTER YOUR STYLE MASTER YOUR SPENDING! https://www.trybooking.com/events/landing/1379832?embed Join the waitlist for next round of The Wardrobe Project: https://mailchi.mp/7dbdeba873ab/atq5ho25bz?mc_cid=d857a7f281&mc_eid=9e962acd97  Episode highlights:  Increasing your readiness to change by broadening your understanding of your clothing spending behaviour Why unmet expectations are at the core of the clothing spending cycle Using The Tomorrow Rule to trick your brain into making better buying decisions Using The Rule of 5 when buying clothing to help you make better decisions Focusing on what you're gaining, not what you're giving up The power of behavioural rehearsal   ORDER GOOD WITH MONEY: https://amzn.to/4bC6QV8 GET THE NEWSLETTER: the weekly money psychology and mindset newsletter (that just so happens to have fun bits like a hot & not list, things I didn't buy, and fun updates from behind the scenes. Head to www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration   See omnystudio.com/listener for privacy information.

FRIDAY FAVES: how to break the clothing spending cycle

Money management doesn't have to feel restrictive or complicated. In this episode, I share 4 practical financial behaviour hacks that have transformed my relationship with money and can help make your finances simpler too. Highlights:  Why matching your budget to your actual environment is crucial for financial success The "lazy gal budget" method that eliminates mental gymnastics around spending The power of having small financial goals to guide your decisions Finding the "yes" when you have to say no to yourself financially  Mentioned in this episode:   Expense streamlining calculator: buymeacoffee.com/thebrokegen/e/310925 Melbourne Style and Spending event tickets: https://www.trybooking.com/events/landing/1379832?embed  Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! https://amzn.to/4jnBupb  **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe   See omnystudio.com/listener for privacy information.

Financial behaviour hacks to make money simpler, part 1

Welcome to a new series of the podcast called That's Juicy! where I nab a chat with experts in a range of fields and squeeze the juice out of what they do best, to equip you with the knowledge you need in life and money. This week we're joined by long-time friend of the show, Emily Wallace, who is a prolific Buyer's Advocate here in Melbourne. She knows the property buying process for first and family home buyers like the back of her hand, and in this episode of That's Juicy, she shares her best advice on navigating the confusing world of real estate.  Highlights:  The surprising factor that makes someone a "difficult buyer" Why having rental experience doesn't always make you a better property buyer The hidden value of asking about vendor circumstances A dollar value example of the power of buying off-market.  You will learn:  How to apply the property triangle framework to make better buying decisions Practical strategies for managing outside opinions during your buying journey Insider tips for building relationships with real estate agents Effective negotiation techniques that create win-win situations for buyers and vendors  Where to find Emily: https://wallaceadvocates.com.au/ Instagram: @emily_wallace_ba TikTok: @buyersadvocatemelbourne  Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! https://amzn.to/4jnBupb  **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe See omnystudio.com/listener for privacy information.

THAT'S JUICY: Emily Wallace on insider property knowledge

In this episode, I share why developing a monthly money reflection practice can transform your relationship with money. Instead of waiting until year-end to review your finances, I'll show you how regular reflection can lead to faster improvements and more intentional financial decisions. Highlights:  Why I believe monthly reflection yields better results than solely annual reviews Research on reflection improving performance by 18% My simple framework to make reflection a sustainable habit How to adapt my LILAC framework for monthly money check-ins  You will learn:  How to set up your own monthly money reflection ritual Practical ways I use to review my numbers without judgment Questions I ask that go beyond the numbers to uncover patterns How I use reflection insights to set meaningful intentions My tips for overcoming common reflection challenges  Resources Mentioned  Monthly R.A.P. Template - Get my reflection and planning template Join the Broke Gen Baddies Facebook Group Melbourne Master Your Style Master Your Spending Event  Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! https://amzn.to/4jnBupb  **Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe See omnystudio.com/listener for privacy information.

How to build a regular reflection routine for your money

Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Financial imposter syndrome: what is it and how do we tackle it?

Welcome to the final episode in our 3 part style & spending mini series! Today we're finishing off with the aspect of your style that comes entirely from your mindset. From breaking up with your fantasy self, to finding acceptance for who you are and changing the way you see yourself, we'll leave you inspired to silence that inner critic and start seeing style differently. Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz Download Carted and start your wishlist today: https://www.carted.com/ Where to find Maddy: Instagram: @_madaboutfashion TikTok: @madaboutfashion Website: www.mad-aboutfashion.com.au Where to find Emma: Website: https://thebrokegeneration.com/?v=518f4a738816See omnystudio.com/listener for privacy information.

Style and spending miniseries: your identity

Welcome back to the Master Your Style, Master Your Spending mini series, celebrating our upcoming Melbourne event this May, hosted by me, Emma Edwards, and my cohost and stylist, Maddy Forster. In this episode we're delving into your spending and buying patterns, including vulnerably sharing our own, in order to understand the cycles we might be stuck in, and how we can break them. Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz Download Carted and start your wishlist today: https://www.carted.com/ Where to find Maddy: Instagram: @_madaboutfashion TikTok: @madaboutfashion Website: www.mad-aboutfashion.com.au Where to find Emma: Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Style and spending mini series: your buying patterns

Welcome to the Master Your Style, Master Your Spending mini series, celebrating our upcoming Melbourne event this May, hosted by me, Emma Edwards, and my cohost and stylist, Maddy Forster. In this episode we're starting off in your wardrobe, exploring what we can learn from the things we already have. From what to do with those items you don't wear but can't let go of, to what we can learn from the things we do and don't feel good in, you'll leave this ep hungry to go and get stuck into your wardrobe and audit your clothes. Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz Download Carted and start your wishlist today: https://www.carted.com/ Where to find Maddy: Instagram: @_madaboutfashion TikTok: @madaboutfashion Website: www.mad-aboutfashion.com.au Where to find Emma: Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Style and spending mini series: your wardrobe

Melbourne style and spending event tickets are on sale now!!! Early bird until 7 April https://www.trybooking.com/events/landing/1379832?embed  In this episode I chat to stylist, Maddy Forster from Mad About Fashion about the power of finding your personal style, for your happiness, your bank account, and your confidence.  This episode originally appeared as part of my 6 week group experience, The Wardrobe Project, where we hit pause on our clothing consumption and untangle our spending habits as they relate to our style. Keen to hear when the next round enrols? Join the waitlist here: https://mailchi.mp/e60be6e4205a/eyhjwar1s8 Also mentioned in this episode: I Hired a Stylist and Here's What it Taught Me About Consumption. https://open.spotify.com/episode/0zR3cFszEbKIocRVoUazHr?si=ix9wzCDYSnS-4ps3OGkOBg Where to find Maddy: Instagram: @_madaboutfashion TikTok: @madaboutfashion Website: https://www.mad-aboutfashion.com.au/ Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money!See omnystudio.com/listener for privacy information.

FRIDAY FAVES: why do we never have anything to wear, with Maddy Forster

In this episode, I dive into the critical difference between explanations and excuses when it comes to our financial situations. I explore how identifying this difference can transform our money mindset, help us take meaningful action, and prevent future regrets. By learning to shift from excuse-making to explanation-seeking, we can break through psychological barriers and create genuine financial progress. Episode Highlights:  Explanations vs. Excuses: I break down how explanations clarify with facts and context, while excuses shift responsibility and provide psychological comfort that ultimately holds us back. The Self-Employment Example: I share my personal tendency to use "I'm self-employed, so it's harder" as an excuse, and how transforming this into an explanation creates actionable pathways forward. Four Questions to Identify Excuses: I provide a framework to determine if you're making excuses or giving explanations, including asking if it's specific, if there's a way forward, if you'll stand by it in five years, and if there's anything you're not telling yourself. The Future Self Perspective: I discuss how our future selves will thank us for turning excuses into explanations that we can act upon, rather than letting opportunities pass us by. Life's Regrets: I reference Bronnie Ware's "Top Five Regrets of the Dying" to highlight how excuse-making can lead to unfulfilled dreams and missed opportunities for meaningful connections.  What you will learn:  How to differentiate between legitimate explanations and limiting excuses in your financial life Practical techniques to transform your excuses into explanations that enable action Why psychological comfort from excuses can lead to long-term regret How to balance accepting real financial challenges while still moving forward  Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Explanations versus excuses

When are we buying to fix ourselves, and when are we "investing in ourselves"? In this solo episode I dive into the sometimes-dangerous advice I see on social media about "investing in yourself" (which is basically just fixing yourself and/or emotional spending in disguise), and unpack the differences between healthy investments in yourself and toxic pseudo investments in yourself. Then, we move onto a model you can use to explore 7 ways you can invest in yourself in a meaningful way, and side step that toxic side of self-investment.  Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

FRIDAY FAVES: mindless spending versus investing in yourself

In part two of this slap-a-dappin episode on self-image and financial health, I explore four additional powerful strategies to build self-acceptance and stop the cycle of emotional spending. Building on the foundation laid in part one, this episode dives deeper into identifying your "fantasy self," recognising spending triggers, working with what you already own, and developing a framework to intercept negative self-talk. Discover how liking yourself more can become your financial superpower and free up mental space previously consumed by self-criticism. What you will learn:   How to identify your "fantasy self" and break the spending cycle tied to that unrealistic image Techniques to recognise and distance yourself from triggers that lead to emotional spending Why working with what you already own can radically shift your relationship with yourself A practical A.A.D.E. framework (Acknowledge, Articulate, Dispute, Evidence) to intercept negative self-talk The connection between self-acceptance and improved financial decision-making  Episode Highlights  How identifying your "fantasy self" can help you intercept emotional spending before it happens (5:40) Why your triggers for disliking yourself are powerful clues for changing your relationship with money (12:30) The radical act of deciding you can like yourself with what you already own (18:20) Introduction of the A.A.D.E. framework for transforming negative self-perception (22:35) Why liking yourself is actually a "cheat code" for financial wellbeing (28:15) My personal journey from self-criticism to neutrality and how it transformed my spending (30:25) The connection between women's self-image struggles and engagement with personal finance (32:10)  Mentioned in this episode: The Spending Trap of Your Fantasy Self episode: https://thebrokegeneration.com/blog/episodes/friday-faves-the-spending-trap-of-your-fantasy-self/?portfolioCats=362 Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

How to like yourself more PART TWO

Step into my time machine: for this week's Friday Fave we're going all the way back to 2023 to hear a fave ep about the link between a lack of self love and financial self sabotage, WOOF! Buckle up, it's a juicy one. When we exist in a society that conditions us (especially women and marginalised groups) to constantly pursue "better" versions of ourselves, our finances often suffer as a result. I share how my own struggles with self-esteem in my teens and early twenties led to financial leakage, and how therapy and self-awareness have transformed my relationship with both myself and my money. Highlights:  Emotional Spending Cycles: How using shopping as a coping mechanism creates a vicious cycle of temporary highs followed by financial regret Self-Sabotage Patterns: Why we unconsciously derail our own financial progress when operating from a place of low self-worth The "Worthiness" Factor: How feeling undeserving can prevent you from saving, negotiating better pay, or charging what you're worth Identity-Based Purchasing: The danger of buying things to "become" someone else rather than to enhance who you already are The Awareness Solution: Practical first steps to notice the connection between your self-esteem and spending habits  What you'll learn:  The 7 specific ways low self-love sabotages your financial confidence How to identify when you're spending to fill emotional gaps rather than actual needs Why struggling financially might feel like your "comfort zone" (and how to break free) The psychological difference between healthy vs. toxic identity-based purchasing Simple reflection practices to begin healing your relationship with both yourself and your money  If you're stuck in a cycle of taking one step forward and two steps back with your finances, this episode will help you understand the underlying self-worth issues that might be holding you back. Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

FRIDAY FAVES: is a lack of self love sabotaging your finances?

In this episode I explore the profound connection between self-acceptance and financial wellness. Discover why the journey to liking yourself isn't a simple switch to flip, but rather a transformative process that can revolutionise your relationship with both your self-image and your spending habits. I had SO MUCH TO SAY it's ended up being a two parter, so tune in next Thursday for 4 more ways to like yourself more. What you'll learn:  Why self-acceptance is a gradual journey of neuroplasticity, not an overnight transformation The surprising ways our self-perception drives our financial decisions Practical strategies to break the cycle of "improvement" spending How to begin separating your self-worth from the standards we've been conditioned to meet  Episode Highlights:  The Self-Love Switch MythWhy we've been conditioned to believe self-acceptance is instantaneous rather than a gradual rewiring of our thinking patterns. The Money-Image ConnectionExplore the hidden relationship between how we see ourselves and where our money goes—particularly through "enhancement" purchases that promise to make us more acceptable. Breaking the Consumption-Confidence LoopLearn why stopping certain consumption patterns might actually be more effective than adding new ones when building self-acceptance. The Mirror of JudgmentDiscover how our perception of others directly influences our self-criticism and spending habits, and what we can do to break this pattern. Neutrality Before PositivityMy journey of moving from self-hatred to self-neutrality before reaching self-acceptance, and why this middle step is crucial. The True Cost of Self-CriticismUncover the financial impact of constantly trying to "fix" yourself through purchases, and what happens when you begin to step away from this pattern  Quotable Moments: "When you're relying on that externality, that was just a complete sinkhole of spending because there is no end there. It's just a cycle that's going to keep going around."  "If you see it as a project of changing the way you see yourself, rather than just going from disliking yourself to liking yourself, it will feel a lot more manageable." Stay tuned for Part 2 next week! Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.