Sometimes the biggest secret to success isn’t a service or product, but about the strength of partnership.

Scott and Elle Madden are the dynamic couple behind the fast-growing health and athleisure brand, FWD Form. This isn't your typical success story; it's a testament to resilience forged through fire.

In today’s episode, these co-founders share the wild origin story of FWD Form, the financial and emotional challenges of being partners in life and business and why they prioritise consistency over quick-fix trends.

They candidly share the impact of unexpectedly losing both their fathers within weeks and the difficult realities of grieving while running a company.

Sometimes the biggest secret to success isn&rsquo;t a service or product, but about the strength of partnership.
Scott and Elle Madden are the dynamic couple behind the fast-growing health and athleisure brand, FWD Form. This isn't your typical success story; it's a testament to resilience forged through fire.
In today&rsquo;s episode, these co-founders share the wild origin story of FWD Form, the financial and emotional challenges of being partners in life and business and why they prioritise consistency over quick-fix trends.
They candidly share the impact of unexpectedly losing both their fathers within weeks and the difficult realities of grieving while running a company.

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

Finding Balance As Co-Founding Spouses with Elle & Scott Madden

Grief isn’t the only cost of loss. 

Melissa Reader discovered this hard truth after living through the unimaginable: becoming a full–time caregiver to her husband, Mauro, whilst raising three young children and keeping their co–owned business afloat. This all came crashing down after Mauro passed away.

In today’s episode, Melissa is here to confront the financial aftershocks of serious illness and death that most of us are completely unprepared for. 

Melissa Reader is the CEO of Violet, a national NFP helping families plan for the later chapters of life, and founder and CEO of Vera, a digital platform supporting families through the ageing journey. Her work sits at the intersection of care, technology and wellbeing, helping people navigate later life with greater clarity, dignity and confidence - long before crisis hits.

Grief isn&rsquo;t the only cost of loss.&nbsp;
Melissa Reader discovered this hard truth after living through the unimaginable: becoming a full&ndash;time caregiver to her husband, Mauro, whilst raising three young children and keeping their co&ndash;owned business afloat. This all came crashing down after Mauro passed away.
In today&rsquo;s episode, Melissa is here to confront the financial aftershocks of serious illness and death that most of us are completely unprepared for.&nbsp;
Melissa Reader is the CEO of&nbsp;<a href="https://www.violet.org.au/" data-saferedirecturl="https://www.google.com/url?q=https://www.violet.org.au/&amp;source=gmail&amp;ust=1770092325904000&amp;usg=AOvVaw3bRnuD2a7zaZ3hSKGOluSJ">Violet,</a>&nbsp;a national NFP helping families&nbsp;plan for the later chapters of life, and founder and CEO of&nbsp;<a href="https://vera.guide/" data-saferedirecturl="https://www.google.com/url?q=https://vera.guide/&amp;source=gmail&amp;ust=1770092325904000&amp;usg=AOvVaw09rP0Y7XPrCX3FhCCQ1C_v">Vera</a>, a digital platform supporting families through the ageing journey. Her work sits at the intersection of care, technology and wellbeing, helping people navigate later life with greater clarity, dignity and confidence - long before crisis hits.

The Hidden Costs of Grief with Melissa Reader 

If you’re a full-time working parent who often feels like you just don't have time for this, I implore you to make time for this episode. 

Kate Reeves and Gemma Pranita are the powerhouse hosts of the viral podcast We Don’t Have Time For This and are today's guests on The Pay Off. They’re two childhood best friends who turned their time-poor, opinion-rich dynamic into a booming business.

We dive deep into the messy, glorious reality of working motherhood. Kate and Gemma share how they protected their friendship while building an empire, why they’re tired of being asked how they ‘juggle it all’ and their metrics for feeling rich in life. 

This chat is frighteningly relatable and is sure to give you a full body LOL. 

If you&rsquo;re a full-time working parent who often feels like you just don't have time for this, I implore you to make time for this episode.&nbsp;
Kate Reeves and Gemma Pranita are the powerhouse hosts of the viral podcast We Don&rsquo;t Have Time For This and are today's guests on The Pay Off. They&rsquo;re two childhood best friends who turned their time-poor, opinion-rich dynamic into a booming business.
We dive deep into the messy, glorious reality of working motherhood. Kate and Gemma share how they protected their friendship while building an empire, why they&rsquo;re tired of being asked how they &lsquo;juggle it all&rsquo; and their metrics for feeling rich in life.&nbsp;
This chat is frighteningly relatable and is sure to give you a full body LOL.&nbsp;

Surviving The Parenting Trenches with Kate Reeves & Gemma Pranita

For many of us, crypto still feels like a foreign language — but not for today's guest. 

Jason Titman is the CEO of Australia's leading crypto exchange, SwyftX and joins The Pay Off to help demystify the world of digital currency.

Jason, whose fascinating career spans from computer auditing and hotels to being a "King of Crypto," explains the tangible assets behind crypto and why the industry is shifting "from hoodies to suits." 

From the ‘typical investor’ to the relationship between crypto and traditional banks, Jason shares his two cents on the future of finance. He also discusses his investment mindset, why AI will never override human behaviour in financial markets and his most enduring business lessons. 

Disclaimer: The information contained in this episode is general in nature and does not take into account your personal objectives, financial situation or needs. Therefore, you should consider whether the information is appropriate to your circumstances before acting on it, and where appropriate, seek professional advice from a finance professional.

For many of us, crypto still feels like a foreign language &mdash; but not for today's guest.&nbsp;
Jason Titman is the CEO of Australia's leading crypto exchange, SwyftX and joins The Pay Off to help demystify the world of digital currency.
Jason, whose fascinating career spans from computer auditing and hotels to being a "King of Crypto," explains the tangible assets behind crypto and why the industry is shifting "from hoodies to suits."&nbsp;
From the &lsquo;typical investor&rsquo; to the relationship between crypto and traditional banks, Jason shares his two cents on the future of finance. He also discusses his investment mindset, why AI will never override human behaviour in financial markets and his most enduring business lessons. 
Disclaimer: The information contained in this episode is general in nature and does not take into account your personal objectives, financial situation or needs. Therefore, you should consider whether the information is appropriate to your circumstances before acting on it, and where appropriate, seek professional advice from a finance professional.

Finding Balance As Co-Founding Spouses with Elle & Scott Madden

The Pay Off with Sylvia Jeffreys

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The Pay Off with Sylvia Jeffreys

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