In this episode I share 6 tips on what to do when life is life-ing and all you want to do is avoid, sabotage, and spend all your money on things you know you don't need. I take you through a recent personal experience of feeling too overwhelmed to do the right thing for my finances and how I got myself out of that without shame or guilt.

Highlights:
Treating your emotions like they're a toddler having a tantrum
Understanding the role of your sabotage behaviour
Observing what your mind wants to do and why
Using strategic permission to hold two truths at once and gradually shift your behaviour when you're ready.

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

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

The Broke Generation

Managing spending when your mental health is slipping

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;

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

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

Welcome back to another episode of A Week In Our Wallets, this time brought to you by our fabulous friends at PocketSmith! Head to <a href="https://www.pocketsmith.com/thebrokegeneration">www.pocketsmith.com/thebrokegeneration</a> to try PocketSmith for yourself.&nbsp;

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

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

 

Welcome back to things you'll thank yourself for in 10 years. If you haven't listened to part one yet, go and do so. This week I'm diving into more small things you can do for your life, health and finances that you'll thank yourself for in the future. Share this with someone you think will enjoy it!
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Managing spending when your mental health is slipping

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The Broke Generation

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