Malcolm Boyd is the Principal and Director of Stewardship Wealth Management in Sydney. He has many years of experience in financial advice and wealth management, and his publicly listed focus areas include wealth preservation, tax positioning, wealth transfer, protection, and philanthropic giving

Key Takeaways:
Understanding Wealth Disparity: Women typically hold less wealth than men, making financial planning crucial, especially as they approach 40 and beyond.
Importance of Housing Stability: Ensuring a secure living environment can play a significant role in long-term financial security.
Planning for Life Transitions: Be prepared for significant life changes such as divorce or redundancy by having a financial plan that prioritises liquidity.
Value of Financial Education: Regardless of current knowledge or financial status, proactive financial education can significantly improve one's financial situation.
Role of Financial Management: Professional financial advice can help tailor strategies to individual circumstances, fostering better financial outcomes and security.

Notable Quotes:
"Divorce can be a really painful wealth destroying event. It has financial impacts, it has impacts on the family." - Malcolm Boyd
"Wealth is built slowly over time. Just make some progress, that's still progress." - Malcolm Boyd
"If you can practice saving and get some momentum around that, those goals will come." - Malcolm Boyd
"It's good to have oversight over your finances of your family. So, yeah, it's being aware of it, how much you've got, and where it is that's really important." - Malcolm Boyd
"Trying to make sure that people aren't paying too much tax, making sure the investments are being well behaved and stay on target." - Malcolm Boyd

Resources:
Stewardship Financial Planning: Learn more about Malcolm Boyd's services and approach to financial planning. Website here
Rich Dad Poor Dad: A book mentioned that discusses buying assets versus liabilities.

 

Malcolm Boyd is the Principal and Director of Stewardship Wealth Management in Sydney. He has many years of experience in financial advice and wealth management, and his publicly listed focus areas include wealth preservation, tax positioning, wealth transfer, protection, and philanthropic giving
Key Takeaways:
<ul>
<li>Understanding Wealth Disparity: Women typically hold less wealth than men, making financial planning crucial, especially as they approach 40 and beyond.</li>
<li>Importance of Housing Stability: Ensuring a secure living environment can play a significant role in long-term financial security.</li>
<li>Planning for Life Transitions: Be prepared for significant life changes such as divorce or redundancy by having a financial plan that prioritises liquidity.</li>
<li>Value of Financial Education: Regardless of current knowledge or financial status, proactive financial education can significantly improve one's financial situation.</li>
<li>Role of Financial Management: Professional financial advice can help tailor strategies to individual circumstances, fostering better financial outcomes and security.</li>
</ul>
Notable Quotes:
<ol>
<li>"Divorce can be a really painful wealth destroying event. It has financial impacts, it has impacts on the family." - Malcolm Boyd</li>
<li>"Wealth is built slowly over time. Just make some progress, that's still progress." - Malcolm Boyd</li>
<li>"If you can practice saving and get some momentum around that, those goals will come." - Malcolm Boyd</li>
<li>"It's good to have oversight over your finances of your family. So, yeah, it's being aware of it, how much you've got, and where it is that's really important." - Malcolm Boyd</li>
<li>"Trying to make sure that people aren't paying too much tax, making sure the investments are being well behaved and stay on target." - Malcolm Boyd</li>
</ol>
Resources:
<ul>
<li>Stewardship Financial Planning: Learn more about Malcolm Boyd's services and approach to financial planning. <a href="https://stewardship.net.au/">Website here</a></li>
<li><a href="https://www.amazon.com.au/Rich-Dad-Poor-Teach-Middle/dp/1612680194">Rich Dad Poor Dad</a>: A book mentioned that discusses buying assets versus liabilities.</li>
</ul>
&nbsp;

She Wasn’t Born Yesterday tackles the many unique issues affecting women who are 40+ fabulous.

“Nothing’s off limits and we dive headfirst into topics from homelessness to women using porn, true crime obsession and life after divorce and DV,” says Janet. “We think women (and hopefully guys too) will resonate. 

She Wasn’t Born Yesterday is available on the Hope 103.2 app and major podcast platforms.

Listen to more from our Hope Podcasts collection at hopepodcasts.com.au. And send the team a message via Hope 103.2’s app, Facebook or Instagram.

She Wasn’t Born Yesterday tackles the many unique issues affecting women who are 40+ fabulous.
“Nothing’s off limits and we dive headfirst into topics from homelessness to women using porn, true crime obsession and life after divorce and DV,” says Janet. “We think women (and hopefully guys too) will resonate. 
She Wasn’t Born Yesterday is available on the <a href="https://hope1032.com.au/listen/#apps">Hope 103.2 app</a> and major podcast platforms.
Listen to more from our Hope Podcasts collection at <a href="http://www.hopepodcasts.com.au/">hopepodcasts.com.au</a>. And send the team a message via <a href="https://hope1032.com.au/listen/#apps">Hope 103.2’s app</a>, <a href="https://www.facebook.com/Hope103.2">Facebook</a> or <a href="https://www.instagram.com/sydneyshope1032/">Instagram</a>.

She Wasn’t Born Yesterday tackles the many unique issues affecting women who are 40+ fabulous. No topic is too controversial!

She Wasn't Born Yesterday

How do you deal with the ‘pause’? How do you know you’re dating someone with a narcissistic personality disorder? How do you move on from divorce? Behind the scenes of a 40+ influencer and how to reverse the aging process, are just a few topics tackled.

SWBY features Janet Evans, a senior advertising creative and Jenni Woodhouse, a semi retired social worker. A chance interview on radio station Hope 103.2 about the book inspired the podcast.

“So many unique issues affect women of our age, including empty nest syndrome, and nothing’s off limits in SWBY! We really dive headfirst into them, but hopefully with lightness and relevant wit where possible,” Janet commented. “We were incredibly lucky to chat to some very high profile guests, including CEOs of important organisations, who shared their expertise with us and our audience.”

 

Listen to more from our Hope Podcasts collection at hopepodcasts.com.au. And send the team a message via Hope 103.2’s app, Facebook or Instagram.

How do you deal with the &lsquo;pause&rsquo;? How do you know you&rsquo;re dating someone with a narcissistic personality disorder? How do you move on from divorce? Behind the scenes of a 40+ influencer and how to reverse the aging process, are just a few topics tackled.
SWBY features Janet Evans, a senior advertising creative and Jenni Woodhouse, a semi retired social worker. A chance interview on radio station Hope 103.2 about the book inspired the podcast.
&ldquo;So many unique issues affect women of our age, including empty nest syndrome, and nothing&rsquo;s off limits in SWBY! We really dive headfirst into them, but hopefully with lightness and relevant wit where possible,&rdquo; Janet commented. &ldquo;We were incredibly lucky to chat to some very high profile guests, including CEOs of important organisations, who shared their expertise with us and our audience.&rdquo;
&nbsp;
Listen to more from our Hope Podcasts collection at hopepodcasts.com.au. And send the team a message via Hope 103.2&rsquo;s app, Facebook or Instagram.

Women's Money After 40: What No One Told You

Dr. Sandy Kershaw is a General Practitioner with over 16 years of experience working at Long Bay Correctional Complex in Malabar, Sydney. Her professional background is diverse and includes working in homeless health, palliative care, Aboriginal medical health, and with the military. Dr. Kershaw unexpectedly found her calling in corrections health, where she treats a variety of inmates with different medical needs, ranging from acute to chronic conditions.

Key Takeaways:
Dr. Sandy Kershaw has extensive experience in diverse medical fields, and her work in the correctional system emerged from an initial locum stint that became a fulfilling, long-term career.
The complexity and unpredictability of jail healthcare challenge medical professionals to adapt quickly, often dealing with emergencies and long waiting lists.
Despite the harsh environment, Dr. Kershaw highlights the importance of treating every inmate with dignity and the significant impact such care can have.
Dr. Kershaw values the unique medical challenges presented in a correctional environment, offering an opportunity to handle complex cases not commonly seen in regular general practice.
Security protocols and the presence of contraband items significantly influence the healthcare dynamics within a prison, but appropriate measures ensure a surprisingly safe work atmosphere.

Notable Quotes:
"The patients didn't scare me; it was the physical environment. Shawshank Redemption comes to mind—very oppressive."
"You see things you do not see in the average general practice. You see things that otherwise you only see in textbooks."
"A lot of people who committed certain offenses are very often victims themselves."
"It's an insane job, but it is very enjoyable. I love the medicine and the difference you can make."
"Incarceration in Australia is designed to curtail the freedom of movement, not to punish through other mechanisms."

Dr. Sandy Kershaw is a General Practitioner with over 16 years of experience working at Long Bay Correctional Complex in Malabar, Sydney. Her professional background is diverse and includes working in homeless health, palliative care, Aboriginal medical health, and with the military. Dr. Kershaw unexpectedly found her calling in corrections health, where she treats a variety of inmates with different medical needs, ranging from acute to chronic conditions.
Key Takeaways:
<ul>
<li>Dr. Sandy Kershaw has extensive experience in diverse medical fields, and her work in the correctional system emerged from an initial locum stint that became a fulfilling, long-term career.</li>
<li>The complexity and unpredictability of jail healthcare challenge medical professionals to adapt quickly, often dealing with emergencies and long waiting lists.</li>
<li>Despite the harsh environment, Dr. Kershaw highlights the importance of treating every inmate with dignity and the significant impact such care can have.</li>
<li>Dr. Kershaw values the unique medical challenges presented in a correctional environment, offering an opportunity to handle complex cases not commonly seen in regular general practice.</li>
<li>Security protocols and the presence of contraband items significantly influence the healthcare dynamics within a prison, but appropriate measures ensure a surprisingly safe work atmosphere.</li>
</ul>
Notable Quotes:
<ol>
<li>"The patients didn't scare me; it was the physical environment. Shawshank Redemption comes to mind&mdash;very oppressive."</li>
<li>"You see things you do not see in the average general practice. You see things that otherwise you only see in textbooks."</li>
<li>"A lot of people who committed certain offenses are very often victims themselves."</li>
<li>"It's an insane job, but it is very enjoyable. I love the medicine and the difference you can make."</li>
<li>"Incarceration in Australia is designed to curtail the freedom of movement, not to punish through other mechanisms."</li>
</ol>

Jailhouse Doc: Treating Humans, Not Crimes | Dr. Sandy Kershaw

About the Guest

Colleen Hirst is an accomplished psychologist and family therapist affiliated with Merrylands Counselling. With a rich professional history in psychology and therapy, Colleen specialises in helping individuals understand and break negative relationship patterns. She is proficient in applying various therapeutic models and theories, such as attachment theory and John Gottman's methods, to enhance relationship dynamics and promote personal growth. Her insights are particularly valuable for developing secure attachments and improving interpersonal connections.

Key Takeaways:
Understanding Patterns: Each individual has emotional blueprints shaped by upbringing and life experiences that govern relationship behaviors and attachment styles.
Importance of Self-awareness: Identifying negative patterns is crucial; individuals must recognise their contributions to relationship dynamics to effect change.
John Gottman's Principles: The Four Horsemen model provides insights into destructive relationship behaviors, underscoring the need to replace criticism with soft startups and stonewalling with self-soothing techniques.
Connection Over Communication: True relationship resilience is built on connection and shared meaning, not just communication skills or conflict resolution.
Therapeutic Interventions: Even entrenched patterns can be altered with intentional actions, as therapy can provide a framework for developing more positive interaction cycles.

Notable Quotes:
"We are all patterns, all of us. We've all got these internal working models for how we emotionally connect." — Colleen Hirst
"Good communication is a fantastic and vital skill, but when we lose connection, that's when the conflict comes." — Colleen Hirst
"Every time we say no to our automatic pilot, we're starting to change the internal script." — Colleen Hirst
"My top tip is connection… How can we build this relationship because I want a future with you?" — Colleen Hirst
"The main thing is not about active listening; it's about being there for your partner." — Colleen Hirst

Resources:
Maryland's Counselling: Merrylands Counselling Psychology Practice (Gaining additional insights and support)
John Gottman: Various models discussed, including the Four Horsemen of the Apocalypse and the Sound Relationship House Model.
Attachment Theory: Explored in relation to early life experiences affecting adult relationships.

 

About the Guest
Colleen Hirst is an accomplished psychologist and family therapist affiliated with Merrylands Counselling. With a rich professional history in psychology and therapy, Colleen specialises in helping individuals understand and break negative relationship patterns. She is proficient in applying various therapeutic models and theories, such as attachment theory and John Gottman's methods, to enhance relationship dynamics and promote personal growth. Her insights are particularly valuable for developing secure attachments and improving interpersonal connections.
Key Takeaways:
<ul>
<li>Understanding Patterns: Each individual has emotional blueprints shaped by upbringing and life experiences that govern relationship behaviors and attachment styles.</li>
<li>Importance of Self-awareness: Identifying negative patterns is crucial; individuals must recognise their contributions to relationship dynamics to effect change.</li>
<li>John Gottman's Principles: The Four Horsemen model provides insights into destructive relationship behaviors, underscoring the need to replace criticism with soft startups and stonewalling with self-soothing techniques.</li>
<li>Connection Over Communication: True relationship resilience is built on connection and shared meaning, not just communication skills or conflict resolution.</li>
<li>Therapeutic Interventions: Even entrenched patterns can be altered with intentional actions, as therapy can provide a framework for developing more positive interaction cycles.</li>
</ul>
Notable Quotes:
<ol>
<li>"We are all patterns, all of us. We've all got these internal working models for how we emotionally connect." &mdash; Colleen Hirst</li>
<li>"Good communication is a fantastic and vital skill, but when we lose connection, that's when the conflict comes." &mdash; Colleen Hirst</li>
<li>"Every time we say no to our automatic pilot, we're starting to change the internal script." &mdash; Colleen Hirst</li>
<li>"My top tip is connection&hellip; How can we build this relationship because I want a future with you?" &mdash; Colleen Hirst</li>
<li>"The main thing is not about active listening; it's about being there for your partner." &mdash; Colleen Hirst</li>
</ol>
Resources:
<ul>
<li>Maryland's Counselling: <a href="https://www.merrylandscounselling.com.au/">Merrylands Counselling Psychology Practice</a> (Gaining additional insights and support)</li>
<li>John Gottman: Various models discussed, including the <a href="https://www.gottman.com/blog/the-four-horsemen-recognizing-criticism-contempt-defensiveness-and-stonewalling/">Four Horsemen</a> of the Apocalypse and the <a href="https://www.gottman.com/blog/what-is-the-sound-relationship-house/">Sound Relationship House Model</a>.</li>
<li><a href="https://www.gottman.com/blog/attachment-style-influences-success-relationship/">Attachment Theory</a>: Explored in relation to early life experiences affecting adult relationships.</li>
</ul>
&nbsp;

Relationship Patterns: How to Break the Cycle | Colleen Hirst

Head to the win page to win a copy of Jo Starling's Book! Hope1032 Win Page

About the Guest:

Jo Starling is the President of the Women’s Recreational Fishing League, Australia’s only nationwide women-focused recreational fishing community. A creative consultant and strategist, Jo uses fishing as a platform to empower women, build confidence, and support personal growth.

Key Takeaways:
Jo Starling's recovery from trauma was significantly bolstered by the empowerment and community found in women's only fishing leagues.
The Women's Recreational Fishing League encourages women to break traditional gender roles and learn skills typically associated with men, fostering a sense of self-reliance and confidence.
Fishing serves as a strategic and engaging activity that allows women to manage stress and remain in the present moment.
The league's initiatives aim to address the gender imbalance in recreational fishing by offering a supportive environment where women can grow and thrive.
Personal growth and professional success can result from challenging limiting beliefs and tackling perceived male-dominant spaces.

Notable Quotes:
"Fishing prowess is not sexually transmitted. It is not something that you can just plug and play."
"The power of recreational fishing is that as a woman, you are gaining the capacity to be self-reliant in every way, which allows you to know that your circumstances are yours."
"You cannot have self-esteem if you do not have control over your circumstances. Fishing gave me back control of my life."
"Women need to stop playing to the masculine and embrace our own leadership styles. It's not about out-menning the men."
"The transformational power of the Women's Recreational Fishing League is demonstrated in how women can now do things they once thought were impossible."

Resources:
Women's Recreational Fishing League on Facebook
Jo Starling's professional mentoring course, "Hooked"

Head to the win page to win a copy of Jo Starling's Book! <a href="https://hope1032.com.au/win/">Hope1032 Win Page</a>
About the Guest:
<a href="https://www.instagram.com/starlet.fishing/">Jo Starling</a> is the President of the <a href="https://wrfleague.org/">Women&rsquo;s Recreational Fishing League</a>, Australia&rsquo;s only nationwide women-focused recreational fishing community. A creative consultant and strategist, Jo uses fishing as a platform to empower women, build confidence, and support personal growth.
Key Takeaways:
<ul>
<li>Jo Starling's recovery from trauma was significantly bolstered by the empowerment and community found in women's only fishing leagues.</li>
<li>The Women's Recreational Fishing League encourages women to break traditional gender roles and learn skills typically associated with men, fostering a sense of self-reliance and confidence.</li>
<li>Fishing serves as a strategic and engaging activity that allows women to manage stress and remain in the present moment.</li>
<li>The league's initiatives aim to address the gender imbalance in recreational fishing by offering a supportive environment where women can grow and thrive.</li>
<li>Personal growth and professional success can result from challenging limiting beliefs and tackling perceived male-dominant spaces.</li>
</ul>
Notable Quotes:
<ol>
<li>"Fishing prowess is not sexually transmitted. It is not something that you can just plug and play."</li>
<li>"The power of recreational fishing is that as a woman, you are gaining the capacity to be self-reliant in every way, which allows you to know that your circumstances are yours."</li>
<li>"You cannot have self-esteem if you do not have control over your circumstances. Fishing gave me back control of my life."</li>
<li>"Women need to stop playing to the masculine and embrace our own leadership styles. It's not about out-menning the men."</li>
<li>"The transformational power of the Women's Recreational Fishing League is demonstrated in how women can now do things they once thought were impossible."</li>
</ol>
Resources:
<ul>
<li>Women's Recreational Fishing League on <a href="https://www.facebook.com/JoStarling.RecFisher/">Facebook</a></li>
<li><a href="https://brandkamp.site/home">Jo Starling's professional mentoring course, "Hooked"</a></li>
</ul>

Women's Money After 40: What No One Told You

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