The Pay Off with Sylvia Jeffreys

Financial freedom is a mindset, not a milestone. Today’s guest is Queenie Tan, the financial guru helping people reframe their relationship with personal finance. Through her platform, ‘Invest with Queenie’ and recently published book ‘The Fun Finance Formula’, Queenie is on a mission to prove your money doesn’t have to be a source of stress or deprivation, and...

Simple principles to transform your financial habits - that’s what this podcast is all about. It’s also a philosophy our next guest on The Pay Off is sharing with the world. Ben Nash is a financial advisor, best-selling author, and the man behind Pivot Wealth. He’s all about making smart moves with your money, so that you don’t have to sacrifice your lifestyle or give up on...

Retirement isn't an end—it's the start of your most epic chapter. So, forget everything you thought you knew about retirement because Bec Wilson is here to redefine it. In today’s episode, Bec gives a step-by-step guide crafting a retirement which isn't just about ceasing work, but about beginning a new, purpose-filled chapter. Bec also talks about why young Aussies should care more ab...

What does it take to rebuild your career after navigating one of the toughest storms? This week on The Pay Off, Sylvia sits down with Christine Holgate, the former CEO of Australia Post and Group Executive Chairman of Team Global Express. Christine’s career has been marked by both incredible success and immense public scrutiny. But what many people don’t know is that she went from sitt...

You likely know Sam Wood as the handsome bloke from The Bachelor in 2015 or maybe you’ve seen the popularity of his 28 by Sam Wood workouts online…  Today, you’re about to see a new side to Sam.  In this episode, Sam talks about the impact of losing his mum at just 15-years-old, how he fell into the fitness world because he had “no other options”, the genui...

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,...

Boost Juice, Shark Tank and Survivor Australia all have one thing in common… Janine Allis.  She’s the uber successful business mogul with the impressive resume to match, and today, she’s sharing all of her insights on The Pay Off.  In this episode, Janine shares a few unexpected (and unbelievable) travel stories from her 20s, her thoughts on ‘imposter syndrome&rs...

“A Lululemon ambassador and influencer”. That’s how some media outlets described today’s podcast guest, Milly Rose Bannister, earlier this year after she appeared at Parliament House to break down the Federal Budget for young people…  Milly is the founder of the Gen Z mental health charity ALLKND… Funny that this undeniably impressive undertaking didn't g...

Sometimes, the best way to talk about something difficult is to find a way to laugh about it.  That's exactly what my guest today, Mark Humphries, does. He’s a master of using satire to tackle tough topics, from the political arena to the current economic climate. Mark is on The Pay Off to discuss his new documentary, SOLD! Who Broke the Australian Dream?, which looks at the growing hou...

It’s official - were deep in an affordability crisis. So, can someone explain why young people are still paying so much tax and struggling to get a foothold in the housing market? We’re all ears. Cost-of-living pressures are through the roof, homeownership feels out of reach, and "bracket creep" is quietly eroding our hard-earned dollars. Leading the charge for a fairer system is Alleg...

Women SHOULD run the world—just ask Queen B.  So, can someone explain why we’re so underrepresented in leadership and key decision making roles? I’ll wait.  The gender pay gap still looms, workplace discrimination remains deeply ingrained, and the boardroom is still missing too many female voices.  Leading the charge for change is Helen McCabe, founder of Future Wo...

For many of us, the mid-year slump is creeping in.  It’s that halfway point in the year where the only remedy to your exhaustion is putting on your Out Of Office email and travelling somewhere which won’t completely break the bank.  One woman helping cure those mid-year woes for millions of people is Susan Wheeldon, Airbnb’s Country Manager for Australia & New Zeala...

If you get it, you get it. If you don't, talk to Chris Kohler.  When it comes to complex financial issues, Chris has an unbelievable ability to break it down in a way which ACTUALLY makes sense and cuts through the BS. Today's episode is no different. Chris sits down with Sylvia to talk about the power of "silly" socials, the money lessons his father Alan Kohler taught him, the year's best an...

What if the secret to building a multi-million brand wasn't about following a grand plan, but just... starting? From navigating the Wild West of early online content creation to bootstrapping her wildly successful fashion label, FAYT, powerhouse entrepreneur Brittney Saunders pulls back the curtain on the REAL hustle. In this episode, Brittney aka. “Just a girl for Newy" opens up leaving sch...

When it comes to questions around money, there’s no shortage of them out there… So this week, we're handing the mic over to YOU. In this special Q&A episode, Australia's most trusted personal finance expert dives deep into the real-world financial dilemmas listeners like you are facing.  From understanding the power of investments to the credit card versus afterpay debate, Ef...

"Oh, you're just a little girl with a dream".  Those were the words Sammy Robinson heard after pitching her clothing company idea to a male investor. That company, One Mile, now has two Sydney stores (and growing) and sold out on it's first day of launch back in 2020...  In this episode of The Pay Off, Sammy talks about how she feels being labelled an 'influencer', her early days on soci...

Let’s be honest, the thought of tracking every dollar, wrestling with spreadsheets, and saying no to little luxuries? Not exactly thrilling stuff.  What if budgeting wasn’t about restriction though? What if it gave you more freedom, not less?  Enter Jessica Irvine, CommBank’s personal finance guru and perhaps one of the most passionate people about budgeting. In this ep...

There’s not much today’s guest can’t do…  You know her as the co-founder of KIC and a woman dedicated to pushing for and promoting the wellbeing of ALL women… And now, she’s taken that passion one (HUGE) step further.  We’re of course talking about the icon herself, Laura Henshaw. In today’s episode, Laura gets candid about what motherhoo...

Launching a brand isn’t always as glamorous as it seems… I mean, just ask your favourite ‘Gen Z Boss in a Mini’, Rachael Wilde.  The QUEEN of great skin, voluminous hair and million-dollar brand building, Rachael Wilde is the Co-Founder & CMO of tbh skincare and Bouf. If you haven’t heard her name (hello, are you living under a rock?), then there’s a b...

Investing... It's a hot topic on a lot of people's lips.  What's SO good about investing? How do I even get started? Am I too late to the party?! In today's episode, Sylvia sits down with Alex Vynokur, the Founder and CEO of Betashares (one of the Australia's largest ETF providers and fastest growing asset managers - no biggie).  Alex's personal and professional story isn't just interest...

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, n...

Buying your first property is one of life’s most exciting milestones, right?  If you’re looking to buy in Sydney, it will take approximately 6 years if you’re a couple to save a deposit for the median house price… and double that if you’re single. Yep, 12 years.  So, what’s going wrong? When did property become unattainable for so many people? Alice S...

Is the fashion world really as cutthroat as The Devil Wears Prada? Kellie Hush would know. In this episode, the former Harper’s BAZAAR editor lifts the veil on the fashion world and shares how she flipped her industry insider know-how into The Volte, the designer rental platform turning wardrobes into income streams.  From style to side hustle, Kellie reveals how smart fashion investing...

We’re sold the dream of “having it all” — but for many women, the reality feels like an impossible trade-off. Kids or career? Push through or push pause? Well here’s a little reminder: A woman’s potential doesn’t shrink when she becomes a parent — and it’s time our workplaces reflected that.  Enter Georgie Dent, CEO of The Parenthood.&nbsp...

What were you doing at 10 years old? If you’re Chris Brycki, you were already diving into the stock market.  In this episode, Chris shares how his early start in investing led to the creation of Stockspot, a platform designed to make investing smarter and easier for everyone.  From taking big risks to building a business, he explains investing in stocks is one of the best ways to t...