I’m chatting with an absolute rockstar in the women’s finance world today, Effie Zahos. Effie is the Editor-at-Large at Canstar, one of Australia's largest financial comparison sites and has more than two decades of experience helping Aussies make the most of their money. I know you’re going to get so much value from this conversation as Effie shares her tips and insights on how to give your finances a money makeover. 



Effie Zahos regularly features on Channel Nine’s Today Show as a money expert, and has written a number of books that we love here at LFS, including A Real Girl’s Guide to Money and Ditch the Debt and Get Rich. In her fun and casual way, Effie helps others makes the most of what they have and it’s such a delight to have her on the show today.



In this episode, Effie explains the five money personalities and how understanding your money behaviour can help you put measures in place to curb impulsive spending, save more and really make your money work for you. 



We talk about the marketing mind games that get played on us, common mistakes Effie sees people make with their money and some of the biggest lessons she has learned personally when it comes to money. Effie also shares her thoughts on why it’s so important for women to start thinking about investing and building wealth.


If you’re ready to take action on your money makeover, Effie shares her expert advice and tips on what to do first and it’s all about keeping it simple. Small consistent things every day will go a long way to transforming your money game!



RESOURCES MENTIONED:

Super Calculator



CONNECT WITH EFFIE ZAHOS
Instagram: @effiezahos/
Twitter: @effiezahos
Books: Ditch the Debt and Get Rich & A Real Girl's Guide to Money



CONNECT WITH LADIES FINANCE CLUB

Join our free facebook group - Ladies Finance Club Money Chat

Website: https://www.ladiesfinanceclub.com/

Instagram: https://www.instagram.com/ladiesfinanceclub/

LinkedIn: https://www.linkedin.com/company/ladies-finance-club/

I’m chatting with an absolute rockstar in the women’s finance world today, Effie Zahos. Effie is the Editor-at-Large at Canstar, one of Australia's largest financial comparison sites and has more than two decades of experience helping Aussies make the most of their money. I know you’re going to get so much value from this conversation as Effie shares her tips and insights on how to give your finances a money makeover. 
 
Effie Zahos regularly features on Channel Nine’s Today Show as a money expert, and has written a number of books that we love here at LFS, including A Real Girl’s Guide to Money and Ditch the Debt and Get Rich. In her fun and casual way, Effie helps others makes the most of what they have and it’s such a delight to have her on the show today.
 
In this episode, Effie explains the five money personalities and how understanding your money behaviour can help you put measures in place to curb impulsive spending, save more and really make your money work for you. 
 
We talk about the marketing mind games that get played on us, common mistakes Effie sees people make with their money and some of the biggest lessons she has learned personally when it comes to money. Effie also shares her thoughts on why it’s so important for women to start thinking about investing and building wealth.
 If you’re ready to take action on your money makeover, Effie shares her expert advice and tips on what to do first and it’s all about keeping it simple. Small consistent things every day will go a long way to transforming your money game!
 RESOURCES MENTIONED:
<a href="https://moneysmart.gov.au/how-super-works/superannuation-calculator">Super Calculator</a>
 
CONNECT WITH EFFIE ZAHOS
<ul>
<li>Instagram: <a href="https://www.instagram.com/effiezahos/">@effiezahos/</a></li>
<li>Twitter:<a href="https://twitter.com/effiezahos?s=20&amp;t=gujTSFqtb4ACP4IqNJ-A6w"> @effiezahos</a></li>
<li>Books: <a href="https://www.booktopia.com.au/ditch-the-debt-and-get-rich-effie-zahos/book/9781925865585.html">Ditch the Debt and Get Rich</a> &amp; <a href="https://www.booktopia.com.au/a-real-girl-s-guide-to-money-effie-zahos/book/9781761221217.html">A Real Girl's Guide to Money</a></li>
</ul>
 
CONNECT WITH LADIES FINANCE CLUB
Join our free facebook group -<a href="https://www.facebook.com/LadiesFinanceClub/"> Ladies Finance Club Money Chat</a>
Website:<a href="https://www.ladiesfinanceclub.com/"> https://www.ladiesfinanceclub.com/</a>
Instagram:<a href="https://www.instagram.com/ladiesfinanceclub/"> https://www.instagram.com/ladiesfinanceclub/</a>
LinkedIn:<a href="https://www.linkedin.com/company/ladies-finance-club/"> https://www.linkedin.com/company/ladies-finance-club/</a>

Welcome to Get Rich by Ladies Finance Club - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.  

We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.  

Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered.   Hit subscribe and let’s get rich (and stay rich) together.

Welcome to Get Rich by <a href="https://instagram.com/ladiesfinanceclub">Ladies Finance Club</a> - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game. &nbsp;
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away. &nbsp;
Whether you&rsquo;re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. &nbsp; Hit subscribe and let&rsquo;s get rich (and stay rich) together.

Ladies Finance Club - Get Rich 

Welcome to Get Rich by Ladies Finance Club- the personal finance podcast that helps women do just that: get rich and stay rich.

Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.  

We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.  

Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered.  

Hit subscribe and let’s get rich (and stay rich) together.

Welcome to Get Rich by Ladies Finance Club- the personal finance podcast that helps women do just that: get rich and stay rich.
Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game. &nbsp;
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away. &nbsp;
Whether you&rsquo;re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. &nbsp;
Hit subscribe and let&rsquo;s get rich (and stay rich) together.

Ladies Finance Club - Get Rich

Money Makeover with Effie Zahos

We talk a lot on Get Rich about how to prevent a financial crisis, building buffers, having the right insurance, and not leaving things until it’s too late.

In this episode, we apply that same thinking to something just as important: your health.

Because a medical crisis doesn’t just affect your body, it can impact your income, savings, super, career, and long-term financial security.

Molly is joined by women’s health GP Joanne Helen Mackson to create a practical, decade-by-decade health checklist for Australian women in their 30s, 40s and 50s, covering what to screen for, what symptoms to take seriously, and how to advocate for yourself in a system that hasn’t always been built with women in mind.

In this episode, we cover:
What health checks actually matter in your 30s, including cervical screening, skin checks, fertility conversations, mental health, and when period pain isn’t normal
What changes in your 40s, including the Medicare 45+ Health Assessment, perimenopause symptoms, bowel cancer screening from 45, and breast screening decisions
What to prioritise in your 50s, including mammograms, bowel screening, bone health, heart health, and chronic disease prevention
Why women often need to push harder for answers, and how to do that effectively
How prevention is one of the smartest financial and life investments you can make

This is the episode to listen to with your notes app open, then book the check-ups you’ve been putting off, and send to a friend who needs it too.

General information only. Always speak with your GP or healthcare professional about what’s right for you.

Health is wealth, and this episode shows you how to protect both.

 

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25

Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub

The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.

Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.

[See omnystudio.com/listener for privacy information.]

We talk a lot on Get Rich about how to prevent a financial crisis, building buffers, having the right insurance, and not leaving things until it&rsquo;s too late.
In this episode, we apply that same thinking to something just as important: your health.
Because a medical crisis doesn&rsquo;t just affect your body, it can impact your income, savings, super, career, and long-term financial security.
Molly is joined by women&rsquo;s health GP Joanne Helen Mackson to create a practical, decade-by-decade health checklist for Australian women in their 30s, 40s and 50s, covering what to screen for, what symptoms to take seriously, and how to advocate for yourself in a system that hasn&rsquo;t always been built with women in mind.
In this episode, we cover:
<ul>
<li aria-level="1">What health checks actually matter in your 30s, including cervical screening, skin checks, fertility conversations, mental health, and when period pain isn&rsquo;t normal</li>
<li aria-level="1">What changes in your 40s, including the Medicare 45+ Health Assessment, perimenopause symptoms, bowel cancer screening from 45, and breast screening decisions</li>
<li aria-level="1">What to prioritise in your 50s, including mammograms, bowel screening, bone health, heart health, and chronic disease prevention</li>
<li aria-level="1">Why women often need to push harder for answers, and how to do that effectively</li>
<li aria-level="1">How prevention is one of the smartest financial and life investments you can make</li>
</ul>
This is the episode to listen to with your notes app open, then book the check-ups you&rsquo;ve been putting off, and send to a friend who needs it too.
General information only. Always speak with your GP or healthcare professional about what&rsquo;s right for you.
Health is wealth, and this episode shows you how to protect both.
&nbsp;
💌&nbsp;Want more money tips straight to your inbox? Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites!<a href="https://www.ladiesfinanceclub.com/newsletter25"> Sign up here at https://www.ladiesfinanceclub.com/newsletter25</a>
Are we friends on Instagram? <a href="https://www.instagram.com/ladiesfinanceclub">Follow us here at https://www.instagram.com/ladiesfinanceclub</a>
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]

Health Is Wealth: The Ultimate 2026 Women’s Health Checklist for Your 30s, 40s & 50s

It’s the start of a new year, which makes it the perfect time to reset your money, without the unrealistic January pressure.

We’re not talking extreme budgeting, never ordering Uber Eats again, or building the world’s most perfect spreadsheet.

In this episode, I’m joined by Gemma Mitchell to walk you through a simple, step-by-step money stocktake that gives you clarity, not guilt.

We cover how to:
✔️ Reset your money after life changes (or that quiet “something’s off” feeling)
✔️ Figure out exactly where you’re at, without overwhelm
✔️ Build realistic habits you can actually stick to past February

This is a calm, practical reset designed for real life, not perfection.

🎧 If you want your money to feel clearer, calmer, and more aligned in 2026, this episode is your starting point.

 

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25

Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub

🙏 A big thank you to our sponsor,InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row.

The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.

Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.

[See omnystudio.com/listener for privacy information.]

It&rsquo;s the start of a new year, which makes it the perfect time to reset your money, without the unrealistic January pressure.
We&rsquo;re not talking extreme budgeting, never ordering Uber Eats again, or building the world&rsquo;s most perfect spreadsheet.
In this episode, I&rsquo;m joined by Gemma Mitchell to walk you through a simple, step-by-step money stocktake that gives you clarity, not guilt.
We cover how to: ✔️&nbsp;Reset your money after life changes (or that quiet &ldquo;something&rsquo;s off&rdquo; feeling) ✔️&nbsp;Figure out exactly where you&rsquo;re at, without overwhelm ✔️&nbsp;Build realistic habits you can actually stick to past February
This is a calm, practical reset designed for real life, not perfection.
🎧 If you want your money to feel clearer, calmer, and more aligned in 2026, this episode is your starting point.
&nbsp;
💌&nbsp;Want more money tips straight to your inbox? Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites!<a href="https://www.ladiesfinanceclub.com/newsletter25"> Sign up here at https://www.ladiesfinanceclub.com/newsletter25</a>
Are we friends on Instagram? <a href="https://www.instagram.com/ladiesfinanceclub">Follow us here at https://www.instagram.com/ladiesfinanceclub</a>
🙏 A big thank you to our sponsor,<a href="https://www.investorkit.com.au/"> InvestorKit at https://www.investorkit.com.au/</a>! The Only Buyer&rsquo;s Agency Awarded as Australia&rsquo;s #1 for 2 Years in A Row.
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]

The Money Reset, How to Start 2026 Without Going Broke by Feb with Gemma Mitchell 

What happens when you grow up below the poverty line, build a high-paying career in finance and still find yourself drowning in debt?

In this powerful episode, Molly sits down with Annette, founder of Kids Get Money, to unpack how early money experiences shape our adult financial habits, and how she went from financial overwhelm to empowerment.

They discuss how generational money patterns are passed down, what to do when you're at breaking point financially, and why teaching kids about money from an early age is non-negotiable in today’s digital world.

If you’ve ever felt ashamed about your money situation or unsure how to break the cycle - for yourself or your kids, this episode is a must-listen.

What you’ll learn:
✔️ How childhood experiences shape your money mindset
✔️ The moment Annette hit financial rock bottom (while living in a million-dollar home)
✔️ Practical steps to rebuild your finances, no matter where you're starting from
✔️ Why money coaching is the missing link before financial advice
✔️ When and how to start teaching kids about money
✔️ How to talk about tap & go, Afterpay, and digital spending with kids
✔️ One simple weekly habit to help your kids get money smart

Whether you’re a mum, aunty, carer or just someone who wants the next generation to have a better relationship with money, this conversation will give you practical language, tools and a big dose of “you’re not alone”.

 

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25

Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub

🙏 A big thank you to our sponsor,InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row.

The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.

Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.

[See omnystudio.com/listener for privacy information.]

What happens when you grow up below the poverty line, build a high-paying career in finance and still find yourself drowning in debt?
In this powerful episode, Molly sits down with Annette, founder of&nbsp;Kids Get Money, to unpack how early money experiences shape our adult financial habits, and how she went from financial overwhelm to empowerment.
They discuss how generational money patterns are passed down, what to do when you're at breaking point financially, and why teaching kids about money from an early age is non-negotiable in today&rsquo;s digital world.
If you&rsquo;ve ever felt ashamed about your money situation or unsure how to break the cycle - for yourself or your kids, this episode is a must-listen.
What you&rsquo;ll learn: ✔️ How childhood experiences shape your money mindset ✔️ The moment Annette hit financial rock bottom (while living in a million-dollar home) ✔️ Practical steps to rebuild your finances, no matter where you're starting from ✔️ Why money coaching is the missing link before financial advice ✔️ When and how to start teaching kids about money ✔️ How to talk about tap &amp; go, Afterpay, and digital spending with kids ✔️ One simple weekly habit to help your kids get money smart
Whether you&rsquo;re a mum, aunty, carer or just someone who wants the next generation to have a better relationship with money, this conversation will give you practical language, tools and a big dose of &ldquo;you&rsquo;re not alone&rdquo;.
&nbsp;
💌 Want more money tips straight to your inbox? Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites!<a href="https://www.ladiesfinanceclub.com/newsletter25"> Sign up here at https://www.ladiesfinanceclub.com/newsletter25</a>
Are we friends on Instagram? <a href="https://www.instagram.com/ladiesfinanceclub">Follow us here at https://www.instagram.com/ladiesfinanceclub</a>
🙏 A big thank you to our sponsor,<a href="https://www.investorkit.com.au/"> InvestorKit at https://www.investorkit.com.au/</a>! The Only Buyer&rsquo;s Agency Awarded as Australia&rsquo;s #1 for 2 Years in A Row.
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]

Money Makeover with Effie Zahos

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