What if the biggest thing holding you back isn’t your bank balance — it’s your mindset?

Dr. Rebecca Ray—clinical psychologist and bestselling author— reveals how money shapes our emotions, fuels our fears, and holds us back. 

From financial anxiety to reclaiming control, we’re diving deep into the psychology of money—and how to make it work for you, not against you.

What if the biggest thing holding you back isn&rsquo;t your bank balance &mdash; it&rsquo;s your mindset?
Dr. Rebecca Ray&mdash;clinical psychologist and bestselling author&mdash; reveals how money shapes our emotions, fuels our fears, and holds us back.&nbsp;
From financial anxiety to reclaiming control, we&rsquo;re diving deep into the psychology of money&mdash;and how to make it work for you, not against you.

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

Your Money Mindset Will Make Or Break You with Dr Rebecca Ray

How more Australians can enter into the property market - how they can have dignified, secure housing that delivers good capital growth - is the multi-million dollar question.
And it's one that Evan Thornley might have an answer to.

In this episode, the tech pioneer, founder of LongView and co-founder of GoodStart, argues that while the system is fundamentally broken, there is a data-driven path to home ownership that is easier to access and better long term than the traditional means of being indebted to a bank. 

In this episode, you’ll learn:


Why the family home remains the "single best investment in the history of the world"


How analyzing 50 years of data across 11 million properties helps identify the specific types of homes that consistently outperform the market


The potential held by shared equity and housing funds


Evan's personal journey from a single-parent family to Silicon Valley success, why he’s now dedicated to fixing the housing ladder for the next generation and his own biggest lessons

How more Australians can enter into the property market - how they can have dignified, secure housing that delivers good capital growth - is the multi-million dollar question. And it's one that Evan Thornley might have an answer to.
In this episode, the tech pioneer, founder of LongView and co-founder of GoodStart, argues that while the system is fundamentally broken, there is a data-driven path to home ownership that is easier to access and better long term than the traditional means of being indebted to a bank.&nbsp;
In this episode, you&rsquo;ll learn:
<ul data-path-to-node="7">
<li>
Why the family home remains the "single best investment in the history of the world"
</li>
<li>
How analyzing 50 years of data across 11 million properties helps identify the specific types of homes that consistently outperform the market
</li>
<li>
The potential held by shared equity and housing funds
</li>
<li>
Evan's personal journey from a single-parent family to Silicon Valley success, why he&rsquo;s now dedicated to fixing the housing ladder for the next generation and his own biggest lessons
</li>
</ul>

Buying the Right Home Sooner, with Evan Thornley (LongView, GoodStart, LookSmart)

Sylvia sits down with Alice Stoltz from Domain—often called the "walking encyclopedia" of Australian real estate—to cut through the headlines and give you the data-driven truth about what’s happening right now. If you’ve been feeling "handcuffed" by interest rates or worried about the "choppy" nature of recent auctions, this is for you.

In this episode:
Which segment of the market is feeling the heat and what it signals for the rest of us.
Why 1950s brick homes are becoming the gold standard for savvy long-term buyers.
Which parts of the country hold the real value lies for families right now.
What is affecting consumer confidence and how it's showing up at auctions
Is it time to return to the "old fashioned" view of property?

Sylvia sits down with Alice Stoltz from Domain&mdash;often called the "walking encyclopedia" of Australian real estate&mdash;to cut through the headlines and give you the data-driven truth about what&rsquo;s happening right now. If you&rsquo;ve been feeling "handcuffed" by interest rates or worried about the "choppy" nature of recent auctions, this is for you.
In this episode:
<ul>
<li>Which segment of the market is feeling the heat and what it signals for the rest of us.</li>
<li>Why 1950s brick homes are becoming the gold standard for savvy long-term buyers.</li>
<li>Which parts of the country hold the real value lies for families right now.</li>
<li>What is affecting consumer confidence and how it's showing up at auctions</li>
<li>Is it time to return to the "old fashioned" view of property?</li>
</ul>

No. 1 Property Expert Shares her 2026 Playbook, with Alice Stolz

At 15, all Matt Moran knew is that he didn't want to be in school anymore. At 22, he had his first restaurant. And now, he has a name synonymous with success and excellence. 

Matt opens up about his humble beginnings, the reality of the high-pressure world of professional kitchens, and just how far a desire to work, to learn, to ask the right questions, to trust the right people - and above all to become obsessed - can take you.

At 15, all Matt Moran knew is that he didn't want to be in school anymore. At 22, he had his first restaurant. And now, he has a name synonymous with success and excellence.&nbsp;
Matt opens up about his humble beginnings, the reality of the high-pressure world of professional kitchens, and just how far a desire to work, to learn, to ask the right questions, to trust the right people - and above all to become obsessed - can take you.

Your Money Mindset Will Make Or Break You with Dr Rebecca Ray

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The Pay Off with Sylvia Jeffreys

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