My Happy Money Journey: money for mid life women with Phoebe Blamey

ou have a bit of money to work with, and you have realised you are the one deciding what happens to it now. That is a real shift, and it comes with a question almost every woman asks me like a confession: how do I know what to do, and how do I know I am not about to get ripped off? This episode is the answer. Over the next couple of decades an enormous amount of wealth is going to land in the hand...

It is the end of financial year, and if this week has been all receipts, logbooks and bookkeeper calls, you have had plenty of money conversations already. Every one of them was with someone else. The tax office. Your accountant. A portal at ten at night. This episode is about the one conversation you have not had yet, the one with yourself, and why the first of July is the cleanest fresh start yo...

Remember Cristina Yang turning to Meredith, right as she was leaving the show for good, telling her not to let what someone else wants eclipse what she needs. He's very dreamy, but he's not the sun. You are. We forget that. There is even a term for it: role engulfment. We get so caught up in the doing for everyone else that our own self, and our own financial life, fades into the background, and i...

The 12 May federal budget made big moves on family trusts, capital gains tax and negative gearing. Phoebe walks through what actually changed, who it affects, and the steps to take now, with women at the centre of the conversation. The federal budget handed down on 12 May proposed three major tax changes. First, from 1 July 2028, discretionary (family) trusts will pay a minimum of 30 percent tax o...

The Bank of Mum and Dad is now somewhere between the fifth and ninth largest mortgage lender in Australia. That's not a metaphor. That's Finder research from 2025. Seventeen percent of first-home buyers now receive help from their parents to save a deposit — up from eleven percent in 2022. Seventy-five percent of that help is gifted, not loaned. And the average gift sits at $74,040… though in real...

When my friend Kate (not her real name) broke down on the phone to me three weeks into managing her father's estate, and the line she said that I have heard from a hundred women: "I'm doing all this and I haven't even looked at my own super in years." I had one thought! There's a phrase doing the rounds; eldest daughter syndrome! It's funny on Instagram until you realise the finance industry has b...

Think women are bad with money? Think again. In this episode, we unpack the truth about spending habits, financial confidence, and why intelligent spending—not restriction—is the real key to taking control of your money. If you’ve ever felt guilty after buying something, avoided checking your bank account, or swung between being overly frugal and overspending, you’re not alone. And more importantl...

If you’re suddenly finding yourself pausing before you open your banking app, this episode will hit close to home. Because the pressure is real right now,  rising costs, inconsistent income, tax debt, family responsibilities… it adds up. For most of us, it doesn’t explode overnight — it quietly builds until things feel tight, overwhelming, or just not sustainable anymore. In this episode, Phoebe B...

You’re smart. Capable. Experienced. You run businesses, families, teams, and entire lives. So why does the conversation about money still make you go quiet? In this episode, Phoebe breaks down one of the biggest hidden issues facing women — not a lack of intelligence, but a lack of financial language. When you don’t fully understand money, you don’t lean in… you retreat. And that avoidance quietly...

If you’ve ever reached a point where you’re wondering what comes next, this conversation will help you reconnect with your own direction and start designing the next chapter intentionally. In this episode of My Happy Money Journey, Phoebe explores why this question can feel so difficult — and why midlife is actually the most powerful moment to answer it. You’ll learn how identity, motivation and e...

If nothing about your life changed financially in the next ten years… Your income stayed the same. Your savings stayed the same. Your health stayed the same. Would you feel calm about the future or worried? In this episode, Phoebe Blamey explores why midlife may be the most powerful decade to reshape your financial future. With greater earning capacity, life experience, and clarity about what trul...

Making a major life change is hard enough. But what happens when the world shifts underneath you after you’ve already made the decision? You leave the job. Start the business. End the relationship. Invest in something new. And then suddenly the economy changes, interest rates move, the news cycle fills with fear, and everything starts to feel uncertain. In this episode of My Happy Money Journey, P...

Petrol prices have suddenly become one of the most talked-about topics in Australia. You fill up the car, watch the numbers climb, and suddenly the conversation shifts from fuel to something much bigger; financial uncertainty. In this episode of My Happy Money Journey, Phoebe Blamey explores why rising petrol prices are triggering such strong emotional reaction from so many people, but also and ho...

Something shifts around midlife. You wake up one day and realise this is no longer just about earning money, paying the bills, and keeping all the plates spinning. It becomes about something deeper: how prepared you really are for the next stage of life. In this episode, Phoebe talks about the financial reset so many women need from around 45 onwards. Because by midlife, life no longer looks the s...

You can earn $200,000 a year and still feel financially insecure. In this episode, Phoebe Blamey explores why high-earning women often feel anxious about money despite successful careers and strong incomes. The problem usually isn’t income. It’s the gap between earning money and building wealth. Phoebe breaks down the hidden reasons many successful women feel like they are “winging it” financially...

What does “enough” money actually look like? Most people never answer that question. Instead, the financial goalpost keeps moving — $80K becomes $150K, $150K becomes $300K, and suddenly a million dollars feels like the only way to feel secure. In this episode of My Happy Money Journey, Phoebe explores the psychology of money, happiness, and financial security, and why earning more doesn’t always c...

This week’s episode is a conversation I’ve been wanting to have with you for a while. There’s this belief that you need to be brilliant, sophisticated, or somehow ready before you can make strong decisions about your money. I want to shift that, because you already have everything you need to begin. Money doesn’t have to feel heavy or confusing. It can feel steady. Supportive. Even empowering. And...

Understand how hidden emotions about money show up in business decisions, why success requires trust in your money, and how to create a healthier, more grounded relationship with it. Phoebe walks through five steps you can start immediately to reduce anxiety, increase clarity, and expand your capacity to earn and receive. You don’t need to obsess over money to be successful, but you do need a rela...

As we get older we stop thinking we will be fine in retirement and start to pay attention! Today we share the secrets to retireing well...because high income doesn’t automatically equal long-term security. In this episode, Phoebe takes a strategic, grown-up look at what retirement readiness actually means for women over 50 especially those who’ve been busy building careers, businesses, and familie...

February Money Reset – Getting Back in Control After Summer January in Australia is magic. Sun, beach, long lunches, late nights. Life feels light and money barely registers. And then February arrives and everything lands at once. Christmas. School costs. Credit cards. Quiet business months suddenly picking up again. Suddenly you’re thinking, “Wow. This feels a bit out of control.” In this episode...

Inconsistent income doesn’t mean you’re failing — it means you’re living in the real world. In this episode, Phoebe shares a story about a friend who couldn’t cover rent and bills after a rough business year, and unpacks what so many freelancers, business owners, contractors, creatives, and commission earners experience: feast-and-famine income is normal. The solution isn’t shaming yourself or try...

This New Year episode is a real conversation about what happens after the big change when the noise stops, the adrenaline wears off, and you’re left asking, “Who am I now?” After selling my mortgage broking business at the end of 2024, I stepped into a season I didn’t fully expect. Less hustle. More space. And a whole lot of identity recalibration. This episode is about that in-between phase — the...

The holiday season has a way of turning the volume up on everything, especially money. Suddenly you’re spending more time with family than usual, old dynamics are bubbling up, and money starts to feel heavier. Conversations that normally roll off your back hit differently. You might feel judged, defensive, small, resentful, or weirdly emotional about things you thought you’d already dealt with. Th...

This week’s episode is basically a Christmas ornament box full of truth bombs: sparkly, slightly chaotic, and filled with things you forgot you put away years ago… until you open it and go, “Oh damn, there’s my dream.” Phoebe dives into the messy, magical moment she realised she has stepped into the life she dreamed of five years ago — without even noticing it happening. Hosting the founding round...

Christmas  is not a Hallmark movie. It’s three family lunches in one day, a group chat on fire, 47 “last chance” sales emails, and somehow you’ve become the caterer, the Uber driver, the therapist and the bank. Again. In this pre Christmas episode we are talking about the pressure cooker that is the holiday season – and how you can do it differently. We expolore how old family roles, money wounds...