Traditional 9-5 jobs are getting the sack.

The challenge is no longer just landing a job—it’s staying relevant, employable, and ahead of the curve. How do we future-proof our careers when the rise of AI makes us fear becoming replaceable?  

In today’s episode, Sylvia chats to Bianca Hartge-Hazelman, the Co-founder, Editor and CEO of Financy HQ about the gender pay gap, the rise of AI and why you need to start networking. 

Traditional 9-5 jobs are getting the sack.
The challenge is no longer just landing a job&mdash;it&rsquo;s staying relevant, employable, and ahead of the curve. How do we future-proof our careers when the rise of AI makes us fear becoming replaceable?&nbsp;&nbsp;
In today&rsquo;s episode, Sylvia chats to Bianca Hartge-Hazelman, the Co-founder, Editor and CEO of Financy HQ about the gender pay gap, the rise of AI and why you need to start networking.&nbsp;

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

You Earn What You Learn with Bianca Hartge-Hazelman

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;

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.

You Earn What You Learn with Bianca Hartge-Hazelman

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