Her Money Matters

What is ethical investing? In a nutshell it means choosing investments based on your personal values and principles, not just the numbers. In practice, that usually works two ways: steering clear of companies involved in things like tobacco, weapons or gambling, and actively choosing to put money into companies doing something you'd stand behind, like renewable energy or healthcare. The goal is to...

Today’s topic is a sensitive and potentially distressing topic.  If you or someone you now needs support: 1800RESPECT (1800 737 732) is Australia's national domestic, family and sexual violence counselling line, available 24/7. If you are in immediate danger, call 000.    This is part one of a two-part series focusing on Family and Domestic Violence.  Did you know that 27% of Australian women over...

This episode is sponsored by Global X. Ever wondered what is covered in a money course built specifically for women? In this episode, Helene puts Naomi in the hot seat to walk through the 8 money-focused weeks of our 12-week 'Her Money Masterclass’.  This is just the money side of the story as in the next episode, Helene takes the lead on the four money mindset topics that round out the full 12-we...

Dementia is now Australia's leading cause of death, yet most families still don't talk about it until they're already in crisis. In this episode, Naomi sits down with Co-Founder of Aged Care Conversations, Louise Greene to unpack what it actually looks like to support a loved one through a dementia diagnosis. Louise works alongside families every day as they navigate a dementia diagnosis, helping...

So often we hear "I wish someone had taught me this at school,”.  It's the single most common piece of feedback Naomi and Helene hear they are having a bit of fun with this episode and going back to their 21-year-old selves and handing over the six money lessons they wish they'd known sooner: Three from Naomi and three from Helene.  This is a great episode to share with your kids / kidults and to...

Is your trust still worth having? That's the question Naomi puts to Justine Wilson, Director at Altus Financial, in this deep dive into two of the biggest changes to come out of the May 2026 Federal Budget — the proposed 30% minimum tax on discretionary trusts, and the change to how capital gains tax is calculated on assets you already own. Naomi and Justine get into who these changes were designe...

Almost every woman going through a divorce has this conversation. Not about the superannuation. Not about the investments. About the house. And it usually sounds something like — I don't care about anything else. I just need to keep the house. In this episode Helene shares her own experience — and the very real cost of the decision she made — to have an honest conversation about what's really driv...

The 2026-27 Federal Budget delivered the biggest overhaul to property investing this country has seen in decades, and it has now passed into law. Negative gearing has been abolished for established residential properties purchased after 7:30pm on 12 May 2026, and the 50% capital gains tax discount is being replaced with cost base indexation and a 30% minimum tax on gains, both taking effect from 1...

Your super has one job — to grow your money for retirement. So how do you actually know if it's doing it? In this episode, Naomi and Helene check this year's super fund performance against the market performance.  We explore the factors that impacted investments over the 2025/26 year, from interest rates going one way then the other, to the AI boom, to a genuine escalation in the Middle East, and...

How do you negotiate salary without feeling pushy, ungrateful, or "too much"? That's exactly what this episode is about. Naomi sits down with salary negotiation coach Angela Langmann to unpack why so many women avoid asking for a raise, and the simple strategy that changes it. Australia's gender pay gap currently sits at 21.1%, meaning for every dollar a man earns, a woman earns just under 79 cent...

Most of us already know what we should be doing with money: save more, spend less, charge what we're worth, and actually look at the numbers. So why do so many smart, capable women still find themselves stuck in the exact same patterns, year after year?   In this episode, Naomi and Helene unpack the psychology behind our money habits, the automatic and often invisible patterns that are running our...

Stephanie Duran's story is not one chapter, it is three. It begins in childhood, in a home where money was unpredictable and frightening, and where those early lessons left their mark on everything that followed. The second chapter is a marriage of twenty-one years, and then a divorce followed by the financial reckoning that comes with it. And then the third chapter: falling in love again, buildin...

If you are unhappy with your super fund or your super fund failed the audit from your review after episode 21, this episode is for you. In Episode 21, Naomi and Helene did a live super audit together and discovered Helene had two crosses out of three in the big areas that matter. So what do you do next? How do you actually find a better fund? And how do you know who to trust when the internet is f...

Did you know that only 13% of women in Australia hold an ETF compared to 27% of men? That means men are more than twice as likely to be investing in one of the most accessible, low-cost, and diversified investment options available on the ASX.  The reason that gap exists is not because women are less capable investors, it is that women tend to be more risk adverse and want to know more about their...

One year. Sixty episodes. And approximately four hundred "ums" in Episode 1 alone. We are putting on our party hats, popping the bubbles, ripping open a bag of party mix lollies, and we are absolutely not sharing the clinkers. This week, there is no homework, no super statements, no spreadsheets — just Naomi and Helene celebrating one gloriously chaotic year by pulling back the curtain on everythi...

Naomi sits down with Maz Farrelly, the creative force behind some of the biggest TV shows on earth, including Big Brother, The X Factor, The Weakest Link, Dancing with the Stars and more, to go behind the scenes of a career built on standing out, backing herself and refusing to shrink.    Maz has a two-word mantra she has used to walk into every terrifying room, every high-stakes negotiation and e...

The end of the financial year is an important point on the Australian calendar and most of us let it pass without making the most of our possible tax deductions.   In this episode, Naomi and Helene break down five superannuation strategies you can action before June 30, plus a quick-fire checklist of tax deductions worth having on your radar. The focus? Super, as it is a great tax-effective invest...

Every time you shop around for a home loan online, you could be silently damaging your credit score. One missed payment can stay on your file for 2 years. A default? 5 years. Most women have never checked their credit report — and some only find out what's on it when the mortgage is declined. Today, we change that. Victoria Coster is the Founder & CEO of Credit Fix Solutions — Australia's #1 t...

In Part 2 of our frequent flyer series, Helene and I break down the practical side of points collecting. We share 10 ways Australians can accumulate points faster using spending they're already doing every day, along with the strategies that can help you get the most value from the points you earn. The reality is that most frequent flyer points are no longer earned from flying. They're earned thro...

Ever wondered how people seem to casually fly business class to Europe while the rest of us are still recovering financially from booking economy seats to Bali? Welcome to the slightly obsessive, highly strategic, and surprisingly entertaining world of frequent flyer points.   As we head into holiday season and everyone starts dreaming about escaping the Australian winter for sunshine, cocktails,...

School fees. University costs. Tutoring. Technology. Uniforms. Excursions. Somehow, every year the cost of education seems to climb even higher and for many families, it can feel like a financial treadmill that never quite slows down. This conversation is not just for parents currently raising children as increasingly, grandparents are stepping in too. Whether it is helping with private school fee...

Self Managed Super Funds(or SMSF’s) can be seen as the next step when it comes to taking ownership of your money. They may carry a certain appeal, being more control, more flexibility, and the ability to make your own investment decisions. For some people that feels empowering however for others, it can feel complex and slightly out of reach. In this episode, Naomi and Helene unpack the reality be...

What happens to your super when your partner dies? And would you actually know what to do next? Superannuation doesn’t automatically form part of your Will, and that one detail can completely change how your money is passed on. For many women, this is the moment when they may find that they have not really engaged with super… to suddenly being responsible for it. In this episode, Naomi is joined b...

This is the final episode in our three-part series where we go through end to end how to survive separation and divorce from a financial and emotional stand point. In Episode 32 of Her Money Matters, we unpacked what to expect emotionally and financially through divorce. In Episode 42 of Her Money Matters, we walked through property settlement and the financial decisions that come with it. And now...

This week’s episode is a special one, I am so excited that this is episode 50!  How the has flown, especially when I think back to my first recording in June last year and how far the podcast has come since then. In our conversation for this episode, we focus on the cost of living pressure many households are feeling from multiple angles. Fuel prices have surged, with petrol sitting around $2.50 -...