Ready to make next year your most impactful yet? We've raided the vault for our most inspiring, business-shifting, and life-changing conversations of the year and distilled them into one powerhouse episode!

Hear the best advice from Meggie Palmer, Molly Benjamin and Dr Rebecca Ray around talking about money, whether it's with your boss, your best mate or on a first date. 

This episode isn't just a look back—it's your clear-cut strategy for leaping forward into 2026.

Ready to make next year your most impactful yet? We've raided the vault for our most inspiring, business-shifting, and life-changing conversations of the year and distilled them into one powerhouse episode!
Hear the best advice from Meggie Palmer, Molly Benjamin and Dr Rebecca Ray around talking about money, whether it's with your boss, your best mate or on a first date.&nbsp;
This episode isn't just a look back&mdash;it's your clear-cut strategy for leaping forward into 2026.

Money is a constant contradiction. You’ve got to spend money to enjoy life but save every cent for the future. 

It’s why Australians are caught between impossible expectations and an economic system that feels stacked against them. So, how do you keep up the juggling act when the stakes just keep getting higher?

In The Pay Off Sylvia Jeffreys sits down with leading experts and entrepreneurs to uncover tips and tricks from some of the sharpest business minds in the game.

You can listen to The Pay Off wherever you get your podcasts, or you can watch every episode on 9Now, search 'The Pay Off 9Now Podcast'

Money is a constant contradiction. You&rsquo;ve got to spend money to enjoy life but save every cent for the future.&nbsp;
It&rsquo;s why Australians are caught between impossible expectations and an economic system that feels stacked against them.&nbsp;So, how do you keep up the juggling act when the stakes just keep getting higher?
In The Pay Off Sylvia Jeffreys sits down with leading experts and entrepreneurs to uncover tips and tricks from some of the sharpest business minds in the game.
You can listen to The Pay Off wherever you get your podcasts, or you can watch every episode on 9Now, search 'The Pay Off 9Now Podcast'

Sylvia Jeffreys sits down with leading experts and entrepreneurs to uncover tips and tricks from some of the sharpest business minds in the game.

The Pay Off with Sylvia Jeffreys

 BEST OF: Your Blueprint for Maximising Life in the New Year

Cashing in is great, but we think banking on yourself is even better. 

That terrifying plunge into entrepreneurship is real, but you shouldn’t let the fear of the unknown sideline your ambition. Today’s guest can attest to exactly that.

Doone Roisin, founder of The Female Startup Club, is on The Pay Off this week giving a masterclass on being bold, building community, and beating the odds. 

In this episode, Doone opens up about her liberating decision to become a full-time entrepreneur, her slightly mischievous tactics for getting a CEO's attention and why she’s spending plenty of her time “talking to smart women”. 

Cashing in is great, but we think banking on yourself is even better.&nbsp;
That terrifying plunge into entrepreneurship is real, but you shouldn&rsquo;t let the fear of the unknown sideline your ambition. Today&rsquo;s guest can attest to exactly that.
Doone Roisin, founder of The Female Startup Club, is on The Pay Off this week giving a masterclass on being bold, building community, and beating the odds.&nbsp;
In this episode, Doone opens up about her liberating decision to become a full-time entrepreneur, her slightly mischievous tactics for getting a CEO's attention and why she&rsquo;s spending plenty of her time &ldquo;talking to smart women&rdquo;.&nbsp;

Trading Fear For Female Empowerment with Doone Roisin

We hear it constantly on this podcast: ETFs are the most powerful tool for building wealth today. But what separates a good ETF from a bad one, and how do you even start?

Sebastian Mullins is the Head of Multi-Asset and Fixed Income at Schroders Australia and joins The Pay Off to provide the ultimate guide on becoming an investing powerhouse.

Sebastian breaks down what an ETF is, how to harness the power of compounding for beginners, and the real cost of "sitting on the sidelines" in today's market.

From Active vs. Passive ETFs, why the traditional 60/40 portfolio is broken, and what a truly modern, diversified portfolio looks like now, Sebastian offers practical advice on how to start investing and what excites him most about the near financial future.

We hear it constantly on this podcast: ETFs are the most powerful tool for building wealth today. But what separates a good ETF from a bad one, and how do you even start?
Sebastian Mullins is the Head of Multi-Asset and Fixed Income at Schroders Australia and joins The Pay Off to provide the ultimate guide on becoming an investing powerhouse.
Sebastian breaks down what an ETF is, how to harness the power of compounding for beginners, and the real cost of "sitting on the sidelines" in today's market.
From Active vs. Passive ETFs, why the traditional 60/40 portfolio is broken, and what a truly modern, diversified portfolio looks like now, Sebastian offers practical advice on how to start investing and what excites him most about the near financial future.

Breaking Down ETFs with Sebastian Mullins

How do you build a billion-dollar beauty empire based on high-end imitation?

For our guest today on The Pay Off, Shelley Sullivan, founder of ModelCo and the explosive mass-market brand MCoBeauty, imitation wasn't just flattery—it was a calculated, brilliant, and controversial marketing strategy.

Shelley's journey began with an entrepreneurial spark, launching a modelling agency at 21 before spotting a gap and revolutionising the industry with "tan-in-a-can" and the first heated lash curler. 

But it was MCoBeauty, launched in 2016 with a "luxe for less" mandate, that became a massive disruptor, recently valued at over $1 billion.

In this conversation, Shelley opens up about the strategic genius and the intense pressure of her business model, her decision to sell her remaining stake in the company and the power of intuition. 

How do you build a billion-dollar beauty empire based on high-end imitation?
For our guest today on The Pay Off, Shelley Sullivan, founder of ModelCo and the explosive mass-market brand MCoBeauty, imitation wasn't just flattery&mdash;it was a calculated, brilliant, and controversial marketing strategy.
Shelley's journey began with an entrepreneurial spark, launching a modelling agency at 21 before spotting a gap and revolutionising the industry with "tan-in-a-can" and the first heated lash curler.&nbsp;
But it was MCoBeauty, launched in 2016 with a "luxe for less" mandate, that became a massive disruptor, recently valued at over $1 billion.
In this conversation, Shelley opens up about the strategic genius and the intense pressure of her business model, her decision to sell her remaining stake in the company and the power of intuition.&nbsp;

BEST OF: Your Blueprint for Maximising Life in the New Year

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