In this follow-up episode, I share four more behavioural hacks to make managing money feel easier and more enjoyable. I explore psychological approaches that can transform your relationship with budgeting and saving while still living a life you love.

 

Episode Highlights:
Why building small joys into your budget is essential for long-term financial success
Creating a "dream budget" as a tool to identify what you truly value
The "ins and outs" method for balancing financial priorities each month
How visual connections to your goals can trigger powerful behavioral changes
When taking a strategic "budget break" might actually benefit your financial journey


Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration

Order my book, Good with Money!https://amzn.to/4jnBupb

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

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

The Broke Generation

Financial behaviour hacks to make money simpler, part 2

In this episode I'm joined by Tash Etschmann (@tashinvests) for a chat about all things POINTS! We unpack everything from Qantas versus Velocity for frequent flyer points, Everyday Rewards vs FlyBuys, and other programs that offer added benefits. 

Join me as an Everyday Extra gal here: https://rewards.app.link/wc7wWEYYoOb

ORDER THE WARDROBE PROJECT!
Australia/NZ: https://amzn.to/3Jatx9x 
UK: https://shorturl.at/fKH5O 
Non-Amazon UK Preorder: Bookshop.org 
US: https://shorturl.at/9KNyb 
Canada: https://shorturl.at/PgcJx 

ORDER MY FIRST BOOK, GOOD WITH MONEY
Australia/NZ: https://amzn.to/4aoSWbe
UK: https://shorturl.at/WQsjo
US: https://shorturl.at/zrmtg

Where to find me

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

 

In this episode I'm joined by Tash Etschmann (@tashinvests) for a chat about all things POINTS! We unpack everything from Qantas versus Velocity for frequent flyer points, Everyday Rewards vs FlyBuys, and other programs that offer added benefits.&nbsp;
Join me as an Everyday Extra gal here: <a href="https://rewards.app.link/wc7wWEYYoOb">https://rewards.app.link/wc7wWEYYoOb</a>
ORDER THE WARDROBE PROJECT!
<ul>
<li>Australia/NZ:&nbsp;<a href="https://amzn.to/3Jatx9x">https://amzn.to/3Jatx9x</a>&nbsp;</li>
<li>UK:&nbsp;<a href="https://shorturl.at/fKH5O">https://shorturl.at/fKH5O</a>&nbsp;</li>
<li>Non-Amazon UK Preorder:&nbsp;<a href="https://uk.bookshop.org/p/books/put-together-emma-edwards/7870598?ean=9781394376810">Bookshop.org&nbsp;</a></li>
<li>US:&nbsp;<a href="https://shorturl.at/9KNyb">https://shorturl.at/9KNyb</a>&nbsp;</li>
<li>Canada:&nbsp;<a href="https://shorturl.at/PgcJx">https://shorturl.at/PgcJx</a><a href="https://shorturl.at/PgcJx%C2%A0">&nbsp;</a></li>
</ul>
ORDER MY FIRST BOOK, GOOD WITH MONEY
<ul>
<li>Australia/NZ: https://amzn.to/4aoSWbe</li>
<li>UK: https://shorturl.at/WQsjo</li>
<li>US: https://shorturl.at/zrmtg</li>
</ul>
Where to find me
Website: <a href="https://thebrokegeneration.com/subscribe/?utm_source=podcast&amp;utm_medium=link&amp;utm_campaign=newsletter_subscribe_link_click&amp;utm_id=Podcast+Show+Notes">https://thebrokegeneration.com/</a> Instagram: <a href="https://instagram.com/the.brokegeneration">https://instagram.com/the.brokegeneration</a> TikTok: <a href="https://www.tiktok.com/@the.brokegeneration">https://www.tiktok.com/@the.brokegeneration</a> &nbsp;
Sign up to The Glue: the weekly money psychology and mindset newsletter<a href="https://thebrokegeneration.com/subscribe/?utm_source=podcast&amp;utm_medium=link&amp;utm_campaign=newsletter_subscribe_link_click&amp;utm_id=Podcast+Show+Notes"> www.thebrokegeneration.com/subscribe</a>, where you&rsquo;ll also get your free Financial Values workbook.
&nbsp;

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

We're back again with another week in our wallets brought to you by PocketSmith. This week Victoria galivants around Japan while Emma has a low key week of hustling.

Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan.

We're back again with another week in our wallets brought to you by PocketSmith. This week Victoria galivants around Japan while Emma has a low key week of hustling.
Head to <a href="https://www.pocketsmith.com/thebrokegeneration">www.pocketsmith.com/thebrokegeneration</a> to get 50% off your first two months of PocketSmith's foundation plan.

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

In this episode I'm joined by Kim Heironymous, education manager at AustralianSuper, to talk all things superannuation and how to get engaged with your superfund for the benefit of your future self.

Highlights:
Understanding how super contributions work
How you can make up for years of low/no super
How spousal splitting and co-contributions can help you level the super playing field in your relationship
The impact of small additional contributions
Small ways you can take steps towards a better retirement

Take your Super Snapshot here to see how you’re tracking!

-

Disclaimers:

If you’re considering making a decision about AustralianSuper, please read the relevant PDS and TMD available at www.australiansuper.com.

Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover.

If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed.

AustralianSuper modelling projections show a high school graduate who starts their retail career at 18yo and earns 12% SG on their Ordinary Times Earnings (OTE) of $56,000 throughout their working life can expect a balance of $556,000 when they retire at 67. At 20yo, they change their investment option from Balanced to High Growth. They continue to earn 12% SG on their OTE of $56,000 throughout their working life. By changing their investment option, they can now expect a balance of $641,000 when they retire at 67 – that’s $85,000 more than if they hadn’t taken action.

The projection is only an estimate and isn’t a guarantee. The actual benefits you receive will depend on a range of factors including future economic conditions, investment performance and legislative change. Assumptions: Calculations at September 2025. Salary as per General Retail Industry Award (Retail Employee Level 4) 1 at 25 June 2025. Salary indexed at 3.5% pa. AustralianSuper administration fees of $1 pw and 0.10% of account balance (capped at $350 pa) and AustralianSuper average insurance costs of $450 p.a. Assumes member will receive a tax benefit of 15% on any administration fees and any insurance fees deducted directly from the account. Investment returns projected over the working lifetime are 6.5% p.a. for the Balanced option and 7.0% p.a. for the High Growth option, net of fees and applicable taxes. SG contributions are 12% pa from 1 July 2025. Assumes member works full-time throughout the projection period with no career breaks. 

In this episode I'm joined by Kim Heironymous, education manager at AustralianSuper, to talk all things superannuation and how to get engaged with your superfund for the benefit of your future self.
Highlights:
<ul>
<li>Understanding how super contributions work</li>
<li>How you can make up for years of low/no super</li>
<li>How spousal splitting and co-contributions can help you level the super playing field in your relationship</li>
<li>The impact of small additional contributions</li>
<li>Small ways you can take steps towards a better retirement</li>
</ul>
Take your Super Snapshot <a href="https://www.australiansuper.com/campaigns/super-snapshot?utm_medium=digital&amp;utm_source=the_broke_generation&amp;utm_campaign=pr_campaign%7Cstay%7Cfy26%7Cq2%7Cnovember" data-renderer-mark="true" data-is-router-link="false" data-testid="link-with-safety">here</a> to see how you&rsquo;re tracking!
-
Disclaimers:
If you&rsquo;re considering making a decision about AustralianSuper, please read the relevant PDS and TMD available at www.australiansuper.com.
Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover.
If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.
Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed.
AustralianSuper modelling projections show a high school graduate who starts their retail career at 18yo and earns 12% SG on their Ordinary Times Earnings (OTE) of $56,000 throughout their working life can expect a balance of $556,000 when they retire at 67. At 20yo, they change their investment option from Balanced to High Growth. They continue to earn 12% SG on their OTE of $56,000 throughout their working life. By changing their investment option, they can now expect a balance of $641,000 when they retire at 67 &ndash; that&rsquo;s $85,000 more than if they hadn&rsquo;t taken action.
The projection is only an estimate and isn&rsquo;t a guarantee. The actual benefits you receive will depend on a range of factors including future economic conditions, investment performance and legislative change. Assumptions: Calculations at September 2025. Salary as per General Retail Industry Award (Retail Employee Level 4) 1 at 25 June 2025. Salary indexed at 3.5% pa. AustralianSuper administration fees of $1 pw and 0.10% of account balance (capped at $350 pa) and AustralianSuper average insurance costs of $450 p.a. Assumes member will receive a tax benefit of 15% on any administration fees and any insurance fees deducted directly from the account. Investment returns projected over the working lifetime are 6.5% p.a. for the Balanced option and 7.0% p.a. for the High Growth option, net of fees and applicable taxes. SG contributions are 12% pa from 1 July 2025. Assumes member works full-time throughout the projection period with no career breaks.&nbsp;

Financial behaviour hacks to make money simpler, part 2

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