

Rates, Housing and AI: What's Really Happening to Australia's Economy?
Interest rates remain at 4.35%, house prices are falling across much of Australia, and households are still feeling the cost-of-living squeeze. So, what happens next? Westpac Chief Economist and former Reserve Bank Assistant Governor Luci Ellis joins Sylvia Jeffreys to unpack the RBA’s latest deci…

Can Tech Save Democracy? Why 600,000 Aussies Used Lizzie Hedding's Voting Tool
What if technology could help us become better voters? Climate advocate, former elite long jumper and Build a Ballot co-founder Lizzie Hedding is trying to do exactly that. Her non-partisan voting platform attracted more than 600,000 users during the last federal election, helping Australians cut …

What Astronaut Katherine Bennell-Pegg Wants You To Know About Achieving the Impossible
What does it take to dedicate decades of your life to a dream that feels out of reach? In this episode of The Pay Off, Sylvia Jeffreys sits down with 2026 Australian of the Year Katherine Bennell-Pegg, Australia’s first qualified astronaut, to explore what it really takes to pursue an extraordinar…

How to Fund, Start and Scale with Edible Blooms’ Kelly Jamieson and Westpac’s Tamara Bryden
Starting a business is exciting. Building one that lasts is something else entirely. In this episode of The Pay Off, Sylvia Jeffreys is joined by Edible Blooms Co-founder and Managing Director Kelly Jamieson and Westpac Managing Director of Business Lending Tamara Bryden to unpack what it really t…

Where Australia’s Top Stock Picker Is Investing Right Now, with Jun Bei Liu
Jun Bei Liu arrived in Australia from China at 16 with little English but big ambitions. Today, she's the co-founder of Ten Cap, one of Australia's top-performing hedge funds, and one of the country's most respected stock pickers. In this episode of The Pay Off, Sylvia Jeffreys sits down with Jun…

The Money Habits That Build Financial Freedom, with Canna Campbell
It started with a drawer overflowing with sticky $5 and $10 tips, tucked away after gruelling 3am bar shifts while trying to survive university. That mountain of cash eventually triggered an unexpected bank investigation, a furious confrontation with her father and a lifelong obsession with buildin…

Made Redundant? Here's How to Bounce Back Stronger, with Natalie MacDonald
It came in a midnight email, despite having just kicked some huge goals for her company, and just six weeks after returning from parental leave. Redundancy. Something that's being faced by people in their thousands right now. In this episode, Sylvia Jeffreys sits down with Natalie MacDonald. As a …

The Anti-Influencer Guide to Nailing Your Budget and Spending with Intention, with Breana Davison (Bree on a Budget)
Your days of wondering where all your money went are over. In this empowering episode, full-time nurse turned anti-influencer Breana Davison (@breeonabudget) reveals how she broke free from a debilitating mountain of debt to buy her first home, a secure financial foundation and absolute control ove…

How Authenticity Still Drives Everything for Steph Claire Smith (KIC)
There's plenty of advice out there about fostering a social media, building a multi-million dollar business, or creating an utterly devoted community. Steph Claire Smith, founder of KIC, one of Australia's biggest wellness brands, has done all of these things. But her key is a little more simple t…

The Scams Out to Get You Right Now - and How to Stop Them, with Ben Young (Westpac Head of Scam and Fraud Prevention)
If you thought an EOFY sale was the biggest threat to your savings right now, this episode will make you think again. Ben Young, Head of Fraud and Scams Prevention at Westpac, pulls back the curtain on the scams he encounters - and fights - every day. From 'flavour of the month' tactics specificall…