Uncensored Money

Your New Year's resolutions were never going to work, and it's not because you're lazy. You made them drunk on champagne and optimism, on behalf of a version of you with far more bandwidth than you actually have on a wet Tuesday in February.   So if those January money goals quietly died months ago? Good. Let them.   Because it's the first of July. New financial year . New payslips, fresh tax year...

Nobody in finance talks about this.  How trauma responses — freeze, flight, fight, fawn — show up in your financial decisions. And what they're actually costing you.  In this episode I share something personal: I have PTSD from experiences in my teenage years. And for a long time I didn't connect that to my finances.  Looking back — it was there in everything.  This episode covers:  — What a traum...

You know the ick. That tiny thing someone does that you just  can't  unsee. Turns out money has them too.   This week Mel and  Lawsie  rate 10 financial  icks  out of  10  and  then, because they  can't  help themselves, they flip every single one over to show what  it's   actually hiding  underneath. Because  here's  the thing: nobody does the  icky  money stuff because  they're  a bad person. Th...

Content warning: This episode discusses financial abuse, coercive control, and intimate partner violence. Support services are listed at the end of these notes, including 1800RESPECT on 1800 737 732. If anything in this episode is distressing, please reach out.   In New South Wales, on 1 July 2024, coercive control became a criminal offence in intimate partner relationships. Queensland followed in...

After more than a decade, 6,000+ women and many of their partners, and more financial transformations than we can count, Mel is closing the My Financial Adulting Plan. For good.  Yes, she's closing rather than selling her continuing her 7 figure business.  You might think she's crazy (she does a little too, that's OK.)  But in this episode, Lawsie turns the microphone around and asks Mel the quest...

  Last night's Federal Budget made a splash — but did it go far enough? In this episode, Mel gives you her unfiltered take on the 2026/27 Budget and walks you through exactly what's  changing,  who's  affected, and what (if anything) you  actually need  to do about it.   No political spin. No media clickbait. Just plain-English answers from someone  who's  spent 25 years in accounting and financia...

If it feels like everything is getting more expensive right now… you're not imagining it.  Petrol prices are rising.  Inflation is back in the headlines.  Interest rates may move again.  And share markets are bouncing around.  Add global uncertainty into the mix and it's no wonder so many people are feeling nervous about their finances.  In this episode, Mel talk through what's actually going on a...

If  you're  in your 50s and thinking it might be "too late" to change your financial future, this episode is for you.   In this Gen X edition of the series, Mel shares what she would do differently if she  was  turning 50 again when it comes to money,  investing  and financial independence.   Because while time matters, strategy matters more.   Too many women in their 50s are focused solely on pay...

What if the world of finance was never designed with women in mind?   In this special episode, Mel sits down with  Lawsie  to talk about her new book, Dare to Be Wealthy and the deeper truth behind why wealth still feels uncomfortable, taboo or "not for us" for so many women.   This  isn't  just a conversation about investing,  debt  or super.  It's  about the subtle messages women absorb over a l...

Turning 40  isn't  a crisis.   It's clarity.   In this episode, Mel and LL unpack what  they'd  do differently financially if they were entering their 40s again . F rom investing myths to hormone health, divorce  realities  and reinvention.   Because  here's  the truth:   Your 40s  aren't  too late.   They're often where confidence, income and courage finally align.   We cover:   • Why women (but...

Your 30s are loud.   Careers accelerate. Babies arrive (or  don't ). Relationships change. Houses get bought. Everyone looks like  they've  figured it out and suddenly money decisions feel heavier and more permanent.   In this episode, Mel and  Lawsie  talk about the decade where momentum matters more than perfection. Because wealth in your 30s  isn't  built through dramatic moves.  It's  built th...

If you could rewind to your 20s …  would you  actually change  anything?   In this episode,  we're  not doing regret,  we're  doing perspective.   Because your 20s  aren't  about earning the most money.  They're  about owning the most  valuable asset   you'll  ever  have:   time . And whether  you're  currently 25, 45 or 55, understanding what a "time millionaire" is might completely change how yo...

This season  we're  diving into the hot topics and issues that we think you need to know about when it comes to your money.   This episode is the fourth in our miniseries where we're t alking about the  big impact a decade can really have on your finances. We've covered where you're at, and where you might want to go, and today, we're talking about getting rid of bad debt – completely.    Bad debt...

This season  we're  diving into the hot topics and issues that we think you need to know about when it comes to your money.   This episode is the third in our miniseries where we're t alking about the  big impact a decade can really have on your finances.   We started off by looking at financially where you're at now and then dove deeper into what that looks like, as well as where you'd like to go...

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. This episode is the second in a where we're talking about the big impact a decade can really have on your finances. We started off by looking at where you're at now financially and giving yourself a score out of 10. This week, we're looking deeper into that now, really examinin...

This season   we're   diving into the hot topics and issues that we think you need to know about when it comes to your money. Today we're talking about the big impact a decade can really have on your finances. Starting off, Mel asks the question, how old you'll be in 10 years time. For some of you it's a number you're itching to get to, while for others that number can be confronting.  Society tod...

This season   we're   diving into the hot topics and issues that we think you need to know about when it comes to your money. Today we're talking investing during uncertain times, diving into whether it's all 'back to normal' now. When Donald Trump took office, many people were nervous about what might happen to the markets. When he announced tariffs and the markets crashed earlier this year – man...

This season   we're   diving into the hot topics and issues that we think you need to know about when it comes to your money. Today we're talking money and hormones. While we've talked in previous episodes about perimenopause, menopause and money - today we're diving into money and hormones, for those still menstruating.  It's about leaning into what we as women already know. We behave and feel di...

This season   we're   diving into the hot topics and issues that we think you need to know about when it comes to your money. Today, we're talking unconscious biases when it comes to money. The episode is the result of reactions to an article Mel wrote for a publication that a very lovely gentleman described as a 'moronic analysic' as it dove into the questions: Are you in an echo chamber where yo...

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today, Mel is talking about what is normal financially.   Am I doing okay?   It's a question one of Mel's friends asked her recently, and it's one she hears a lot. What they're asking when they say that is:   How am I compared to other women my age   How am I compared to how I...

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today, Mel is talking about ageism and money, because it's a conversation that just isn't affecting the blokes in the same way.   Too often women are opting out of investing because they fear that they're too old and that they've aged out. In reality, it's more important than e...

It's a new season and we're talking about your Financial Second Act and whatever form that may come in. Today, Mel talks about some of the scary headlines that have been appearing when it comes to share investing and money generally . From the R word – recession – in US markets, to crashes in the US market, global markets, and even in Australian markets, the headlines appearing are far from reassu...

It's a new season and we're heading back to the basics to help you reduce your financial overwhelm and start (or keep) doing money better. This week Mel and Lawsie are talking about a money topic we're sure you've been itching for, all things insurance.   Okay, okay, so it's not the most exciting topic. BUT, having insurance when life happens gives you incredible peace of mind while you're dealing...

It's a new season and we're heading back to the basics to help you reduce your financial overwhelm and start (or keep) doing money better. This week Mel and Lawsie talk everything business, side hustle, and hobby related. Starting a business, side hustle, or paying hobby is easier than ever, but if you're going to do it, you may as well be as successful and profitable as you can while you do. In t...

It's a new season and we're heading back to the basics to help you reduce your financial overwhelm and start (or keep) doing money better. Today, Mel and Lawsie are talking investing. Whether it's investing in shares or in superannuation, chances are investing is something that feels confusing, like gambling, or something for future you to think about. By the end of todays episode, Mel and Lawsie...