It was a statement that broke the internet—and simultaneously hit the nail on the head.

“It is extremely difficult to be a 30-year-old in Australia right now” was the powerful sentiment which sent today’s guest viral online… So let’s talk about it. 

Advertising giant, podcaster and media personality, Russel Howcroft, joins The Pay Off today for some real talk. Russel doesn't mince words: he explains exactly why it's never been tougher for young people to get ahead financially right now. 

From the clever tactics companies use to get you to spend your cash to how Gruen changed the trajectory of his career, Russel shares the best advice and most engaging anecdotes we could pack into one episode.

It was a statement that broke the internet&mdash;and simultaneously hit the nail on the head.
&ldquo;It is extremely difficult to be a 30-year-old in Australia right now&rdquo; was the powerful sentiment which sent today&rsquo;s guest viral online&hellip; So let&rsquo;s talk about it.&nbsp;
Advertising giant, podcaster and media personality, Russel Howcroft, joins The Pay Off today for some real talk. Russel doesn't mince words: he explains exactly why it's never been tougher for young people to get ahead financially right now.&nbsp;
From the clever tactics companies use to get you to spend your cash to how Gruen changed the trajectory of his career, Russel shares the best advice and most engaging anecdotes we could pack into one episode.

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

It’s Tough Being A Young Person Right Now with Russel Howcroft

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.

Making Sense Of The Crypto Craze with Jason Titman 

You might feel like a hot mess, but your money habits don’t have to be. 

The financial fresh start you need for the new year is here and who better to kick this all off with than Emma Edwards, a certified financial behaviour specialist and founder of BROKE MEDIA. 

In this episode, Emma, a self-proclaimed hot mess millennial, breaks down the insights from her best-selling book Good With Money and shares the practical tools from her new journey, The Wardrobe Project. 

From better interrupting those automated spending habits to the savings dopamine hack you never thought was possible, you’re bound to walk away from this chat feeling in control of your finances. 

You might feel like a hot mess, but your money habits don&rsquo;t have to be.&nbsp;
The financial fresh start you need for the new year is here and who better to kick this all off with than Emma Edwards, a certified financial behaviour specialist and founder of BROKE MEDIA.&nbsp;
In this episode, Emma, a self-proclaimed hot mess millennial, breaks down the insights from her best-selling book Good With Money and shares the practical tools from her new journey, The Wardrobe Project.&nbsp;
From better interrupting those automated spending habits to the savings dopamine hack you never thought was possible, you&rsquo;re bound to walk away from this chat feeling in control of your finances.&nbsp;

New Year, New Money Habits with Emma Edwards  

Welcome to your masterclass for transforming extra income into lasting wealth.

This "Best Of" episode is dedicated to unlocking the inside secrets from four incredible guests who successfully scaled their passion projects into full-blown, revenue-generating business empires!

We've condensed hours of transformative interviews into a single, high-impact listen, giving you the proven playbooks and mindset shifts to make 2026 the year you become your own boss.

Welcome to your masterclass for transforming extra income into lasting wealth.
This "Best Of" episode is dedicated to unlocking the inside secrets from four incredible guests who successfully scaled their passion projects into full-blown, revenue-generating business empires!
We've condensed hours of transformative interviews into a single, high-impact listen, giving you the proven playbooks and mindset shifts to make 2026 the year you become your own boss.

It’s Tough Being A Young Person Right Now with Russel Howcroft

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The Pay Off with Sylvia Jeffreys

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