How much could a career break really be costing your super and what can you actually do to catch up? 👶

This is the final episode in our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust, and Molly's back with her newest sidekick, baby Amali! This week she sits down with Ruth to unpack five practical ways Aussie women can catch up on their super after time away from work, whether that's for raising kids, caring for elderly parents, or just taking some time out.

Whether you've paused work to look after a family member, took a few years off, or you've come back and have no idea if you're "behind," this episode is for you.

In this episode, you'll learn:
The difference between concessional and non-concessional super contributions, and how much you can add to each
How spouse contribution splitting works and why it's a fairness play, not a tax one
What the government co-contribution scheme is and how it could add up to $500 to your super
How the spouse contribution tax offset works if your partner tops up your account
What the concessional carry-forward rule is and how to use unused caps from previous years
Why checking your fund's fees, performance and whether to consolidate matters just as much as making contributions
Molly's own experience using spouse splitting while on maternity leave
Ruth's advice for anyone who's been avoiding their super altogether

Perfect for: Aussie women returning to work after a career break, mums on maternity leave, anyone who's taken time out to care for family, and women who want simple, no-jargon ways to feel more confident about their super.

The biggest takeaway from this episode? You don't need a huge overhaul, small, consistent moves now can make a massive difference to your super down the track. 🎧

The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.

 

 

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


💌 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.]

How much could a career break really be costing your super and what can you actually do to catch up? 👶
This is the final episode in our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust, and Molly's back with her newest sidekick, baby Amali! This week she sits down with Ruth to unpack five practical ways Aussie women can catch up on their super after time away from work, whether that's for raising kids, caring for elderly parents, or just taking some time out.
Whether you've paused work to look after a family member, took a few years off, or you've come back and have no idea if you're "behind," this episode is for you.
In this episode, you'll learn:
<ul>
<li aria-level="1">The difference between concessional and non-concessional super contributions, and how much you can add to each</li>
<li aria-level="1">How spouse contribution splitting works and why it's a fairness play, not a tax one</li>
<li aria-level="1">What the government co-contribution scheme is and how it could add up to $500 to your super</li>
<li aria-level="1">How the spouse contribution tax offset works if your partner tops up your account</li>
<li aria-level="1">What the concessional carry-forward rule is and how to use unused caps from previous years</li>
<li aria-level="1">Why checking your fund's fees, performance and whether to consolidate matters just as much as making contributions</li>
<li aria-level="1">Molly's own experience using spouse splitting while on maternity leave</li>
<li aria-level="1">Ruth's advice for anyone who's been avoiding their super altogether</li>
</ul>
Perfect for: Aussie women returning to work after a career break, mums on maternity leave, anyone who's taken time out to care for family, and women who want simple, no-jargon ways to feel more confident about their super.
The biggest takeaway from this episode? You don't need a huge overhaul, small, consistent moves now can make a massive difference to your super down the track. 🎧
The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you&rsquo;re still unsure, speak with a financial adviser.
&nbsp;
&nbsp;
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! </a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 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.]

Took a Career Break? 5 Ways to Catch Up on Your Super

How does retirement with super actually work, and how do you know when you've got "enough"? In episode 4 of our five-part series helping Aussie women get super at Super, proudly brought to you by Australian Retirement Trust, Molly sits down with superannuation expert Ruth to unpack exactly what happens to your money once you retire, practical answers for women who want to feel in control of their retirement income.

Whether you've been putting off thinking about "what happens next" with your super, aren't sure if you need to notify your fund the moment you retire, or just want to know how much is actually "enough," this episode is for you.

In this episode, you'll learn:
Why you don't have to touch your super the moment you retire, and when it makes sense to leave it invested
The difference between taking a lump sum and setting up an income account (and why most people don't realise they have a choice)
Why your super keeps earning returns even after you retire, and why running out is less common than you'd think
The real tax perks of moving your money into an income account after 60
What "comfortable retirement" actually costs for a single woman vs a couple, in real numbers
How the Age Pension asset and income tests work (and why your home isn't counted)
How to think about your super independently from your partner's, including what happens if you separate or they pass away
Why healthcare and aged care costs deserve a place in your planning, even though they're hard to predict
The biggest mistakes women make with their super at retirement
The single most powerful move you can make if you're 10 years out from retiring

Perfect for: Australian women approaching retirement, anyone who's ever wondered "do I have enough?", and women who want to make sure their super works as hard for them in retirement as it did while they were saving it.

The biggest takeaway from this episode? Your super doesn't stop working for you the day you retire, and there's more flexibility (and more of a safety net) than most women realise. 🎧

The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.

 

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


💌 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.]

How does retirement with super actually work, and how do you know when you've got "enough"? In episode 4 of our five-part series helping Aussie women get super at Super, proudly brought to you by Australian Retirement Trust, Molly sits down with superannuation expert Ruth to unpack exactly what happens to your money once you retire, practical answers for women who want to feel in control of their retirement income.
Whether you've been putting off thinking about "what happens next" with your super, aren't sure if you need to notify your fund the moment you retire, or just want to know how much is actually "enough," this episode is for you.
In this episode, you'll learn:
<ul>
<li aria-level="1">Why you don't have to touch your super the moment you retire, and when it makes sense to leave it invested</li>
<li aria-level="1">The difference between taking a lump sum and setting up an income account (and why most people don't realise they have a choice)</li>
<li aria-level="1">Why your super keeps earning returns even after you retire, and why running out is less common than you'd think</li>
<li aria-level="1">The real tax perks of moving your money into an income account after 60</li>
<li aria-level="1">What "comfortable retirement" actually costs for a single woman vs a couple, in real numbers</li>
<li aria-level="1">How the Age Pension asset and income tests work (and why your home isn't counted)</li>
<li aria-level="1">How to think about your super independently from your partner's, including what happens if you separate or they pass away</li>
<li aria-level="1">Why healthcare and aged care costs deserve a place in your planning, even though they're hard to predict</li>
<li aria-level="1">The biggest mistakes women make with their super at retirement</li>
<li aria-level="1">The single most powerful move you can make if you're 10 years out from retiring</li>
</ul>
Perfect for: Australian women approaching retirement, anyone who's ever wondered "do I have enough?", and women who want to make sure their super works as hard for them in retirement as it did while they were saving it.
The biggest takeaway from this episode? Your super doesn't stop working for you the day you retire, and there's more flexibility (and more of a safety net) than most women realise. 🎧 The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you&rsquo;re still unsure, speak with a financial adviser.
&nbsp;
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! </a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 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.]

How Does Superannuation Work in Retirement? What Every Woman Needs to Know

If you're a woman in your 50s and you've ever looked at your super and thought, “Is this actually enough?”, this episode is for you

Your 50s can be a bit of a financial wake-up call. Retirement suddenly feels closer, while you might still be supporting grown-up kids, helping ageing parents, paying off the mortgage or recovering from years out of the workforce.

But being behind on super doesn't mean you've missed your chance.
Molly chats with Ruth from Australian Retirement Trust about superannuation for women over 50, including how to catch up, make the most of your remaining working years and feel more confident about retirement.

In this episode, we cover:
💰 How much super you might need for a comfortable retirement
📈 What to do if you're behind on your super at 50
💸 Catch-up contributions and how they work
💰 Salary sacrifice and why small contributions can add up
👩‍👧 How career breaks and raising children can affect women's super
💔 What happens to super during separation or divorce
🏠 How downsizing and inheritances can potentially boost your super
📊 Why your investment timeframe doesn't necessarily end when you retire
🔄 Transition to Retirement and accessing some of your super while still working
🧠 How to stop panicking about your super and start taking action

The biggest message?

It's not too late.

If you've been avoiding your super because you're worried about what you'll find, this conversation is a great place to start.

This episode is part of our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust.

This episode contains general information only and doesn't take into account your personal circumstances. Consider seeking professional financial advice before making decisions about your superannuation.

The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.

 

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


💌 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.]

If you're a woman in your 50s and you've ever looked at your super and thought, &ldquo;Is this actually enough?&rdquo;, this episode is for you
Your 50s can be a bit of a financial wake-up call. Retirement suddenly feels closer, while you might still be supporting grown-up kids, helping ageing parents, paying off the mortgage or recovering from years out of the workforce.
But being behind on super doesn't mean you've missed your chance. Molly chats with Ruth from Australian Retirement Trust about superannuation for women over 50, including how to catch up, make the most of your remaining working years and feel more confident about retirement.
In this episode, we cover: 💰 How much super you might need for a comfortable retirement 📈 What to do if you're behind on your super at 50 💸 Catch-up contributions and how they work 💰 Salary sacrifice and why small contributions can add up 👩&zwj;👧 How career breaks and raising children can affect women's super 💔 What happens to super during separation or divorce 🏠 How downsizing and inheritances can potentially boost your super 📊 Why your investment timeframe doesn't necessarily end when you retire 🔄 Transition to Retirement and accessing some of your super while still working 🧠 How to stop panicking about your super and start taking action
The biggest message?
It's not too late.
If you've been avoiding your super because you're worried about what you'll find, this conversation is a great place to start.
This episode is part of our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust.
This episode contains general information only and doesn't take into account your personal circumstances. Consider seeking professional financial advice before making decisions about your superannuation.
The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you&rsquo;re still unsure, speak with a financial adviser.
&nbsp;
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! </a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 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.]

Superannuation for Women Over 40 + 50: How to Boost Your Retirement Savings

What is salary sacrificing into super, and could it help you grow your superannuation faster without significantly reducing your take-home pay?

Salary sacrificing into super can sound complicated, and the word “sacrificing” makes it sound like you're giving something up. But salary sacrifice super can be a simple and tax-effective way to make additional superannuation contributions while you're working.

In part two of our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust, Molly sits down with Ruth Weaver, Team Leader, Key Client Education at ART, to explain salary sacrificing into super, how it works, who it can benefit and what you need to know before getting started.

Because understanding your superannuation isn't just about retirement. It's about understanding how super contributions, tax and government incentives can work together to help you build more wealth over time.

In this episode, you'll learn:
What salary sacrificing into super actually means and how it can affect your take-home pay
Why $100 of your salary could become $85 in your super instead of $68 in your bank account
Who salary sacrifice super can work well for, and who may not benefit as much
What high-income and low-income earners need to know about salary sacrificing
How self-employed women can make additional super contributions and potentially claim a tax deduction
What the Australian Government super co-contribution is and how contributing $1,000 could potentially result in up to $500 from the government, depending on eligibility
What the Low Income Super Tax Offset (LISTO) is and who may be eligible
How concessional contribution caps work
How the carry-forward concessional contributions rule could allow you to use unused contribution cap amounts from previous years
How to check your super contribution limits through myGov
Whether salary sacrificing into super locks you into anything, and what happens when you want to change your contributions

If you've ever searched “how does salary sacrificing into super work?”, wondered “is salary sacrifice worth it?”, or simply thought, “I know I should understand my super, but where do I start?”, this episode is for you.

The big takeaway? Salary sacrificing into super doesn't have to mean a huge hit to your take-home pay. Understanding how salary sacrifice, tax and super contribution rules work could help you make more informed decisions about your money today and your retirement savings in the future.

Listen to the episode and learn how salary sacrificing into super works. 🎧


The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.

 

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


💌 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.]

What is salary sacrificing into super, and could it help you grow your superannuation faster without significantly reducing your take-home pay?
Salary sacrificing into super can sound complicated, and the word &ldquo;sacrificing&rdquo; makes it sound like you're giving something up. But salary sacrifice super can be a simple and tax-effective way to make additional superannuation contributions while you're working.
In part two of our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust, Molly sits down with Ruth Weaver, Team Leader, Key Client Education at ART, to explain salary sacrificing into super, how it works, who it can benefit and what you need to know before getting started.
Because understanding your superannuation isn't just about retirement. It's about understanding how super contributions, tax and government incentives can work together to help you build more wealth over time.
In this episode, you'll learn:
<ul>
<li aria-level="1">What salary sacrificing into super actually means and how it can affect your take-home pay</li>
<li aria-level="1">Why $100 of your salary could become $85 in your super instead of $68 in your bank account</li>
<li aria-level="1">Who salary sacrifice super can work well for, and who may not benefit as much</li>
<li aria-level="1">What high-income and low-income earners need to know about salary sacrificing</li>
<li aria-level="1">How self-employed women can make additional super contributions and potentially claim a tax deduction</li>
<li aria-level="1">What the Australian Government super co-contribution is and how contributing $1,000 could potentially result in up to $500 from the government, depending on eligibility</li>
<li aria-level="1">What the Low Income Super Tax Offset (LISTO) is and who may be eligible</li>
<li aria-level="1">How concessional contribution caps work</li>
<li aria-level="1">How the carry-forward concessional contributions rule could allow you to use unused contribution cap amounts from previous years</li>
<li aria-level="1">How to check your super contribution limits through myGov</li>
<li aria-level="1">Whether salary sacrificing into super locks you into anything, and what happens when you want to change your contributions</li>
</ul>
If you've ever searched &ldquo;how does salary sacrificing into super work?&rdquo;, wondered &ldquo;is salary sacrifice worth it?&rdquo;, or simply thought, &ldquo;I know I should understand my super, but where do I start?&rdquo;, this episode is for you.
The big takeaway? Salary sacrificing into super doesn't have to mean a huge hit to your take-home pay. Understanding how salary sacrifice, tax and super contribution rules work could help you make more informed decisions about your money today and your retirement savings in the future.
Listen to the episode and learn how salary sacrificing into super works. 🎧 
The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you&rsquo;re still unsure, speak with a financial adviser.
&nbsp;
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! </a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 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.]

Salary Sacrificing: Is It Actually Worth It?

Your super could be one of the biggest assets you ever own. But how much do you actually know about it?

For most women, the answer is probably: not much.

We know we're supposed to have super. We know our employer pays it. We might occasionally check the balance.

But do you know where your super is invested? Whether you're in the right investment option? Whether your employer is paying you correctly? Or what happens to your super when you die?

And here's the uncomfortable part: women currently retire with around 25% less super than men.

In the first episode of our five-part series, Making Aussie Women Super at Super, Molly sits down with Ruth Weaver, Team Leader and Key Client Education at Australian Retirement Trust, to answer the questions most of us should have asked years ago.

No jargon. No finance-speak. Just the stuff you actually need to know.

In this episode:
Why women retire with less super than men, and what you can actually do about it
How super works and where your money goes once it lands in your account
How to check whether your employer is paying the correct 12%
What your investment option actually means, from conservative to high growth
How to work out whether your super is invested appropriately for you
Why constantly switching your super investments could hurt your returns
How salary sacrifice can help you build more super
What the $30,000 concessional contributions cap means
The super check most women put off, but really shouldn't
Why your beneficiary nomination could be one of the most important decisions you make
Three things you can do this week to take control of your super

Because you don't need to become a finance expert.

You just need to understand what's happening to your money while you're busy living your life.

This episode is proudly brought to you by Australian Retirement Trust, trusted by over 2.4 million members.

The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.

 

If you're serious about building long-term wealth, don't miss our Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


💌 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.]

Your super could be one of the biggest assets you ever own. But how much do you actually know about it?
For most women, the answer is probably: not much.
We know we're supposed to have super. We know our employer pays it. We might occasionally check the balance.
But do you know where your super is invested? Whether you're in the right investment option? Whether your employer is paying you correctly? Or what happens to your super when you die?
And here's the uncomfortable part: women currently retire with around 25% less super than men.
In the first episode of our five-part series, Making Aussie Women Super at Super, Molly sits down with Ruth Weaver, Team Leader and Key Client Education at Australian Retirement Trust, to answer the questions most of us should have asked years ago.
No jargon. No finance-speak. Just the stuff you actually need to know.
In this episode:
<ul>
<li>Why women retire with less super than men, and what you can actually do about it</li>
<li>How super works and where your money goes once it lands in your account</li>
<li>How to check whether your employer is paying the correct 12%</li>
<li>What your investment option actually means, from conservative to high growth</li>
<li>How to work out whether your super is invested appropriately for you</li>
<li>Why constantly switching your super investments could hurt your returns</li>
<li>How salary sacrifice can help you build more super</li>
<li>What the $30,000 concessional contributions cap means</li>
<li>The super check most women put off, but really shouldn't</li>
<li>Why your beneficiary nomination could be one of the most important decisions you make</li>
<li>Three things you can do this week to take control of your super</li>
</ul>
Because you don't need to become a finance expert.
You just need to understand what's happening to your money while you're busy living your life.
This episode is proudly brought to you by Australian Retirement Trust, trusted by over 2.4 million members.
The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you&rsquo;re still unsure, speak with a financial adviser.
&nbsp;
If you're serious about building long-term wealth, don't miss our&nbsp;<a href="https://www.ladiesfinanceclub.com/online-wealth-summit-2026">Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026</a>, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance!&nbsp;</a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 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.]

Super 101: Understanding Superannuation for Women in 2026

What money mistakes made you richer in the long run? Molly sits down with entrepreneur, author and founder Lisa Messenger for a refreshingly honest conversation about business, money and reinvention. Lisa's built (and rebuilt) some of Australia's most iconic brands over her 25 years in business, including Collective Hub, the cult magazine-turned-app that's just relaunched for 2026. In this episode, she gets real about the financial mistakes that nearly broke her, why she believes bigger isn't always better, and what she'd do if she only had $5,000 to start a business today, no fluff, no ego, just the lessons she wishes someone had told her earlier.

Whether you're dreaming of starting your own business, trying to get your head around AI and whether you should be using it, or just love hearing successful women talk honestly about the times things didn't go to plan, this episode is packed with wisdom you can actually use. In this episode, you'll learn:
The financial mistake that had Lisa's CFO asking for another $100K, every single day
Why "bigger" isn't always "better" when it comes to profit and business growth
How to reverse engineer worst-case scenarios before you take a financial risk
What Lisa would do with $5,000 to start a business today =
Why you should test demand before you spend a cent on your idea
How to find non-competing partners who can promote you for free
Why women should be adopting AI now, not later, and how to actually use it in your business
How one piece of intellectual property can become five different revenue streams
Lisa's biggest lesson from becoming a mum, and how it's shaped her as a founder

Perfect for: aspiring founders, women thinking about starting a side hustle, and anyone who wants a masterclass in money mindset from someone who's built (and rebuilt) it all.

The biggest takeaway from this episode? You don't need money to start, you need clarity, courage, and a plan for what happens if it doesn't work. 🎧

 

If you're serious about building long-term wealth, don't miss our Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


💌 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.]

What money mistakes made you richer in the long run? Molly sits down with entrepreneur, author and founder Lisa Messenger for a refreshingly honest conversation about business, money and reinvention. Lisa's built (and rebuilt) some of Australia's most iconic brands over her 25 years in business, including Collective Hub, the cult magazine-turned-app that's just relaunched for 2026. In this episode, she gets real about the financial mistakes that nearly broke her, why she believes bigger isn't always better, and what she'd do if she only had $5,000 to start a business today, no fluff, no ego, just the lessons she wishes someone had told her earlier.
Whether you're dreaming of starting your own business, trying to get your head around AI and whether you should be using it, or just love hearing successful women talk honestly about the times things didn't go to plan, this episode is packed with wisdom you can actually use. In this episode, you'll learn:
<ul>
<li>The financial mistake that had Lisa's CFO asking for another $100K, every single day</li>
<li>Why "bigger" isn't always "better" when it comes to profit and business growth</li>
<li>How to reverse engineer worst-case scenarios before you take a financial risk</li>
<li>What Lisa would do with $5,000 to start a business today =</li>
<li>Why you should test demand before you spend a cent on your idea</li>
<li>How to find non-competing partners who can promote you for free</li>
<li>Why women should be adopting AI now, not later, and how to actually use it in your business</li>
<li>How one piece of intellectual property can become five different revenue streams</li>
<li>Lisa's biggest lesson from becoming a mum, and how it's shaped her as a founder</li>
</ul>
Perfect for: aspiring founders, women thinking about starting a side hustle, and anyone who wants a masterclass in money mindset from someone who's built (and rebuilt) it all.
The biggest takeaway from this episode? You don't need money to start, you need clarity, courage, and a plan for what happens if it doesn't work. 🎧
&nbsp;
If you're serious about building long-term wealth, don't miss our&nbsp;<a href="https://www.ladiesfinanceclub.com/online-wealth-summit-2026">Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026</a>, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance!&nbsp;</a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 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.]

Lisa Messenger: The Money Mistakes That Nearly Broke Her

Should you still buy property after the latest Australian Budget changes to negative gearing and capital gains tax?

Molly sits down with buyers’ agent and property investing expert Arjun Paliwal from Investorkit to break down what’s actually changed for Australian property investors and first home buyers, what hasn’t, and whether the recent tax changes should really affect your decision to buy property.

With so much confusion around negative gearing, capital gains tax, new build incentives and property investing, it’s easy to panic and put your plans on hold. This episode cuts through the noise with clear, practical advice, no jargon, no scaremongering.

Whether you're considering buying your first home, investing in property, or you've paused your plans because of the latest government changes, this episode will help you understand what the new rules could mean for you.

In this episode, you'll learn:
What’s actually changed with negative gearing, capital gains tax and new build incentives
What the latest Australian Budget changes mean for property investors and first home buyers
Why property finance applications have reportedly dropped since the Budget
Arjun’s five-point checklist for knowing when it could be the right time to buy
Why new build investment properties aren’t automatically better
What happens if you buy property now, including the July 2027 and July 2028 cut-offs
How interest rate cuts and rising rents could offset some of the impact of negative gearing changes
Who is actually affected by the new property tax rules, and who isn’t
What the proposed capital gains tax discount changes and 30% minimum tax could mean for investors
The “third decade effect” and why time in the market can matter more than perfect timing
Why uncertainty doesn’t necessarily mean you should stop investing

Who is this episode for?

This episode is for Australian women thinking about buying their first home or an investment property, anyone feeling anxious about recent Australian Budget and property tax changes, and women who want to make property investment decisions based on strategy rather than fear.

The biggest takeaway? The property fundamentals haven’t necessarily changed as much as people’s confidence has. And understanding the difference could help you make a much more informed decision about your next move.

🎧 Want more from Arjun?

Arjun Paliwal is one of the speakers joining us at the Online Wealth Summit 2026, a free one-day virtual financial education event designed to help you make smarter, more confident decisions with your money.

👉 Register for the 2026 Online Wealth Summit

 

If you're serious about building long-term wealth, don't miss our Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


💌 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.]

Should you still buy property after the latest Australian Budget changes to negative gearing and capital gains tax?
Molly sits down with buyers&rsquo; agent and property investing expert Arjun Paliwal from Investorkit to break down what&rsquo;s actually changed for Australian property investors and first home buyers, what hasn&rsquo;t, and whether the recent tax changes should really affect your decision to buy property.
With so much confusion around negative gearing, capital gains tax, new build incentives and property investing, it&rsquo;s easy to panic and put your plans on hold. This episode cuts through the noise with clear, practical advice, no jargon, no scaremongering.
Whether you're considering buying your first home, investing in property, or you've paused your plans because of the latest government changes, this episode will help you understand what the new rules could mean for you.
In this episode, you'll learn:
<ul>
<li aria-level="1">What&rsquo;s actually changed with negative gearing, capital gains tax and new build incentives</li>
<li aria-level="1">What the latest Australian Budget changes mean for property investors and first home buyers</li>
<li aria-level="1">Why property finance applications have reportedly dropped since the Budget</li>
<li aria-level="1">Arjun&rsquo;s five-point checklist for knowing when it could be the right time to buy</li>
<li aria-level="1">Why new build investment properties aren&rsquo;t automatically better</li>
<li aria-level="1">What happens if you buy property now, including the July 2027 and July 2028 cut-offs</li>
<li aria-level="1">How interest rate cuts and rising rents could offset some of the impact of negative gearing changes</li>
<li aria-level="1">Who is actually affected by the new property tax rules, and who isn&rsquo;t</li>
<li aria-level="1">What the proposed capital gains tax discount changes and 30% minimum tax could mean for investors</li>
<li aria-level="1">The &ldquo;third decade effect&rdquo; and why time in the market can matter more than perfect timing</li>
<li aria-level="1">Why uncertainty doesn&rsquo;t necessarily mean you should stop investing</li>
</ul>
Who is this episode for?
This episode is for Australian women thinking about buying their first home or an investment property, anyone feeling anxious about recent Australian Budget and property tax changes, and women who want to make property investment decisions based on strategy rather than fear.
The biggest takeaway? The property fundamentals haven&rsquo;t necessarily changed as much as people&rsquo;s confidence has. And understanding the difference could help you make a much more informed decision about your next move.
🎧 Want more from Arjun?
Arjun Paliwal is one of the speakers joining us at the Online Wealth Summit 2026, a free one-day virtual financial education event designed to help you make smarter, more confident decisions with your money.
👉 <a href="https://www.ladiesfinanceclub.com/online-wealth-summit-2026">Register for the 2026 Online Wealth Summit</a>
&nbsp;
If you're serious about building long-term wealth, don't miss our&nbsp;<a href="https://www.ladiesfinanceclub.com/online-wealth-summit-2026">Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026</a>, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance!&nbsp;</a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 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.]

Property Investing After the Budget: Buy Now or Wait? Arjun Paliwal Explains

💰 Ever looked at an ETF ticker and felt like you needed a finance degree just to understand it? Same. That's exactly why we brought in the expert.

In this episode, Molly sits down with Jess Leung from Global X ETFs for a masterclass on ETF investing. Jess breaks down some of the most talked-about ETFs on the market right now, from semiconductors (the tiny chips quietly powering the entire AI boom) to copper miners (yes, really and it makes total sense once she explains it).

You'll learn:
✅ How ETFs like semiconductors and AI funds actually work, and why they've become so popular
✅ The "core-satellite" strategy for building a portfolio (explained through a wardrobe analogy you'll never forget)
✅ How to actually buy an ETF, step by step, plus tips on timing your trades
✅ Whether we're in an AI bubble (Jess gives her honest take)

Whether you're just starting to explore investing or you're ready to add a bit more nuance to your portfolio, this episode is packed with practical, real-world insight you can actually use.

🎉 Loved this episode? You'll love the 2026 Online Wealth Summit even more.

This is just a taste of what's coming on Friday, 18 September, 9AM–4PM AEST, live via Zoom and completely free to attend. Jess is back for the full summit, joined by Alec and Bryce from Equity Mates, Arjun Paliwal from InvestorKit, and a stacked lineup of Australia's top money experts, plus Molly herself. 

👉 Grab your spot at the 2026 Online Wealth Summit

 

If you're serious about building long-term wealth, don't miss our Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


💌 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.]

💰 Ever looked at an ETF ticker and felt like you needed a finance degree just to understand it? Same. That's exactly why we brought in the expert.
In this episode, Molly sits down with Jess Leung from Global X ETFs for a masterclass on ETF investing. Jess breaks down some of the most talked-about ETFs on the market right now, from semiconductors (the tiny chips quietly powering the entire AI boom) to copper miners (yes, really and it makes total sense once she explains it).
You'll learn: ✅ How ETFs like semiconductors and AI funds actually work, and why they've become so popular ✅ The "core-satellite" strategy for building a portfolio (explained through a wardrobe analogy you'll never forget) ✅ How to actually buy an ETF, step by step, plus tips on timing your trades ✅ Whether we're in an AI bubble (Jess gives her honest take)
Whether you're just starting to explore investing or you're ready to add a bit more nuance to your portfolio, this episode is packed with practical, real-world insight you can actually use.
🎉 Loved this episode? You'll love the 2026 Online Wealth Summit even more.
This is just a taste of what's coming on Friday, 18 September, 9AM&ndash;4PM AEST, live via Zoom and completely free to attend. Jess is back for the full summit, joined by Alec and Bryce from Equity Mates, Arjun Paliwal from InvestorKit, and a stacked lineup of Australia's top money experts, plus Molly herself.&nbsp;
👉<a href="https://www.ladiesfinanceclub.com/online-wealth-summit-2026"> Grab your spot at the 2026 Online Wealth Summit</a>
&nbsp;
If you're serious about building long-term wealth, don't miss our&nbsp;<a href="https://www.ladiesfinanceclub.com/online-wealth-summit-2026">Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026</a>, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance!&nbsp;</a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 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.]

ETFs UNPACKED: What They Are, How They Work & the Top Performers You Need to Know

Is it actually still impossible to buy your first home in Australia or is that just what the headlines want you to think? 

This week Molly sits down with Rachelle and Glen, the duo behind a brand new book on first home buying, to break down exactly what it takes to get into the property market right now. No jargon, no scare tactics, just clear, practical advice for women who want a real roadmap to homeownership. 

Whether you've been putting off buying because you think you need a bigger deposit, you're overwhelmed by government schemes and grants, or you're not sure if buying to live in or buying to invest is the right first move for you, this episode is for you. In this episode, you'll learn:
The biggest misconceptions Australians have about buying their first home
How recent housing policy and budget changes actually affect first home buyers
What the First Home Super Saver Scheme is and how it could save you thousands in tax
How parental guarantees and rentvesting can get you into the market sooner
The property mistake Rachelle made in her twenties that she'll never repeat
What to look for (and watch out for) when buying an apartment or unit
Whether a buyer's agent is worth it, and when it's not
What to consider before buying property with a sibling or friend
Why the fundamentals of buying a home haven't changed, even with recent budget announcements
The one mindset shift that separates people who become homeowners from those who just talk about it

Perfect for: Australian women thinking about buying their first home, first-time investors weighing up their options, and anyone who feels like the property market has left them behind. 

The biggest takeaway from this episode? It might not happen today, but with the right plan, it doesn't have to feel impossible. 🎧

 

If buying a home is one of your goals, I'd also love you to join us for our FREE How to Buy your First Home Masterclass - https://www.ladiesfinanceclub.com/webinar-2026-how-to-buy-your-first-home, where we'll walk you through exactly what it takes to become property ready.

And if you're serious about building long-term wealth, don't miss our Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


💌 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.]

Is it actually still impossible to buy your first home in Australia or is that just what the headlines want you to think?&nbsp;
This week Molly sits down with Rachelle and Glen, the duo behind a brand new book on first home buying, to break down exactly what it takes to get into the property market right now. No jargon, no scare tactics, just clear, practical advice for women who want a real roadmap to homeownership.&nbsp;
Whether you've been putting off buying because you think you need a bigger deposit, you're overwhelmed by government schemes and grants, or you're not sure if buying to live in or buying to invest is the right first move for you, this episode is for you. In this episode, you'll learn:
<ul>
<li>The biggest misconceptions Australians have about buying their first home</li>
<li>How recent housing policy and budget changes actually affect first home buyers</li>
<li>What the First Home Super Saver Scheme is and how it could save you thousands in tax</li>
<li>How parental guarantees and rentvesting can get you into the market sooner</li>
<li>The property mistake Rachelle made in her twenties that she'll never repeat</li>
<li>What to look for (and watch out for) when buying an apartment or unit</li>
<li>Whether a buyer's agent is worth it, and when it's not</li>
<li>What to consider before buying property with a sibling or friend</li>
<li>Why the fundamentals of buying a home haven't changed, even with recent budget announcements</li>
<li>The one mindset shift that separates people who become homeowners from those who just talk about it</li>
</ul>
Perfect for: Australian women thinking about buying their first home, first-time investors weighing up their options, and anyone who feels like the property market has left them behind.&nbsp;
The biggest takeaway from this episode? It might not happen today, but with the right plan, it doesn't have to feel impossible. 🎧
&nbsp;
If buying a home is one of your goals, I'd also love you to join us for our <a href="https://www.ladiesfinanceclub.com/webinar-2026-how-to-buy-your-first-home">FREE How to Buy your First Home Masterclass - https://www.ladiesfinanceclub.com/webinar-2026-how-to-buy-your-first-home</a>, where we'll walk you through exactly what it takes to become property ready.
And if you're serious about building long-term wealth, don't miss our <a href="https://www.ladiesfinanceclub.com/online-wealth-summit-2026">Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026</a>, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance!&nbsp;</a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 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.]

First Home Buyers in 2026: How to Get Into the Australian Property Market

What does it actually mean to raise a "rich" kid and is it even about the money? This week on Get Rich, Molly sits down in-studio for the very first time with Sarah Megginson, author of How to Raise Rich Kids: Build Lasting Wealth for Your Children, for one of those conversations you'll want to share with every mum in your life.

Sarah is a parent of three who has spent years thinking about how to give kids a healthy, confident relationship with money and the result is a book that's as much for parents as it is for their children. Because here's the thing: the money messages we heard growing up? They're still running the show for most of us. And the way we talk (or don't talk) about money around our kids is shaping their financial future right now.

Whether you're a mum, a dad, an aunty, a godparent, or someone who's just trying to unpack their own money story, this one's for you.

In this episode, you'll learn:
Why "we can't afford it" can do more harm than you realise and what to say instead
How to involve your kids in real money decisions at every age (without the stress)
The government co-contribution super hack that could turn $20 a week into nearly $300K for your teenager
Why pocket money works better with a points system than straight cash
How to talk to your kids about what you earn and why Sarah is completely open with her three children about the family finances
What the three sections of How to Raise Rich Kids cover and how to use it based on your child's age
Why buy now, pay later is changing kids' relationship with money and not in a good way
The difference between raising wealthy kids and raising kids who are free to choose their own life

Perfect for: Australian mums with kids of any age, anyone who grew up in a household where money was stressful or off-limits, and women who want to break the cycle and give the next generation a better start.

The biggest takeaway? Rich isn't about how much money your kids have, it's about giving them the choices, confidence, and foundation to build the life they want. 🎧

 

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


💌 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.]

What does it actually mean to raise a "rich" kid and is it even about the money? This week on Get Rich, Molly sits down in-studio for the very first time with Sarah Megginson, author of How to Raise Rich Kids: Build Lasting Wealth for Your Children, for one of those conversations you'll want to share with every mum in your life.
Sarah is a parent of three who has spent years thinking about how to give kids a healthy, confident relationship with money and the result is a book that's as much for parents as it is for their children. Because here's the thing: the money messages we heard growing up? They're still running the show for most of us. And the way we talk (or don't talk) about money around our kids is shaping their financial future right now.
Whether you're a mum, a dad, an aunty, a godparent, or someone who's just trying to unpack their own money story, this one's for you.
In this episode, you'll learn:
<ul>
<li aria-level="1">Why "we can't afford it" can do more harm than you realise and what to say instead</li>
<li aria-level="1">How to involve your kids in real money decisions at every age (without the stress)</li>
<li aria-level="1">The government co-contribution super hack that could turn $20 a week into nearly $300K for your teenager</li>
<li aria-level="1">Why pocket money works better with a points system than straight cash</li>
<li aria-level="1">How to talk to your kids about what you earn and why Sarah is completely open with her three children about the family finances</li>
<li aria-level="1">What the three sections of How to Raise Rich Kids cover and how to use it based on your child's age</li>
<li aria-level="1">Why buy now, pay later is changing kids' relationship with money and not in a good way</li>
<li aria-level="1">The difference between raising wealthy kids and raising kids who are free to choose their own life</li>
</ul>
Perfect for: Australian mums with kids of any age, anyone who grew up in a household where money was stressful or off-limits, and women who want to break the cycle and give the next generation a better start.
The biggest takeaway? Rich isn't about how much money your kids have, it's about giving them the choices, confidence, and foundation to build the life they want. 🎧
&nbsp;
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance!&nbsp;</a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 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.]

How to Raise Rich Kids: Money Lessons Every Parent Should Know

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

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