Want to retire early? I mean, it sounds pretty good in theory… But is it actually possible?

Plenty of us are chasing financial freedom but without recognising just how important our financial habits are in our 20s, 30s and 40s.

One man who knows just how crucial these are is Joel Gibson, a consumer finance expert and the author of Kill Bills and Easy Money. 

In this episode, Joel chats to Sylvia about whether we really need to own our own homes, how much super is needed to retire comfortably and why starting early is your best bet at getting ahead.

Want to retire early? I mean, it sounds pretty good in theory&hellip; But is it actually possible?
Plenty of us are chasing financial freedom but without recognising just how important our financial habits are in our 20s, 30s and 40s.
One man who knows just how crucial these are is Joel Gibson, a consumer finance expert and the author of Kill Bills and Easy Money.&nbsp;
In this episode, Joel chats to Sylvia about whether we really need to own our own homes, how much super is needed to retire comfortably and why starting early is your best bet at getting ahead.

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

How To Help Future You RIGHT NOW with Joel Gibson

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;

Turning 'Inspired By’ Into An Empire with Shelley Sullivan 

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.

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

Sometimes life can feel picture perfect – until it doesn’t. 

In this episode of The Pay Off, Sylvia sits down with financial advisor, professional wealth coach, and author, Gemma Mitchell, to talk about financially rebuilding from the ground up when inevitable curveballs—like divorce or sudden job loss—get thrown our way.

Gemma, who built what looked like the 'perfect life'—the job, the house, the investments—only to have it crumble with a sudden divorce at 28, shares her raw, personal journey and how she’s rewriting her money story.

Gemma dives into the simple, non-negotiable steps we should all take right now to kick off our own Money Reset, as detailed in her new book, The Money Reset.

Sometimes life can feel picture perfect &ndash; until it doesn&rsquo;t.&nbsp;
In this episode of The Pay Off, Sylvia sits down with financial advisor, professional wealth coach, and author, Gemma Mitchell, to talk about financially rebuilding from the ground up when inevitable curveballs&mdash;like divorce or sudden job loss&mdash;get thrown our way.
Gemma, who built what looked like the 'perfect life'&mdash;the job, the house, the investments&mdash;only to have it crumble with a sudden divorce at 28, shares her raw, personal journey and how she&rsquo;s rewriting her money story.
Gemma dives into the simple, non-negotiable steps we should all take right now to kick off our own Money Reset, as detailed in her new book, The Money Reset.

How To Help Future You RIGHT NOW with Joel Gibson

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