The Broke Generation

The Monthly Wrap May 02.06.2026 42mnt

Another month has flown by so let's take a look back at what went down in my life, money and business in May! Thank you as always to PocketSmith for being the official sponsor of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's Standard plan.See omnystudio.com/listener for privacy information.

Why did trying become uncool? 18.05.2026 18mnt

There's a creeping cultural narrative that ambition is cringe, having goals is naïve, and if you're still trying to get ahead financially or professionally, you've somehow missed the memo that everything is pointless. And I get it. The disillusionment is real and it's earned. The system has genuine problems. But somewhere along the way, valid critique of broken structures has quietly morphed into a collective permission slip to abandon personal growth altogether. In this episode I'm unpacking that shift, questioning whether it's actually serving us, and making the case that you're still allowed to want better for yourself. Key takeaways: Critiquing a broken system and abandoning all personal ambition are two very different things. ou can hold both the frustration and the drive at the same time Collective cynicism can feel like solidarity but it can quietly become a comfortable place to stay stuck Humans are psychologically wired for growth. Self-determination theory tells us that the drive toward competence and progress is a core human need, not a capitalist invention Getting better with money, pursuing meaningful work, or having personal goals isn't selling out. See omnystudio.com/listener for privacy information.

The power of financial self awareness 11.05.2026 22mnt

Money is one of the last areas where we resist turning inward — and it's costing us. In this episode, I'm digging into why financial self-awareness is the missing piece for so many of us who feel stuck with money. We talk about pop psychology, the shame avoidance cycle, and why our brains are wired to work against us financially. The human brain isn't rational, and pretending money is just maths is exactly why so many of us can't get the outcomes we want. It's time to apply the same curiosity we bring to our relationships and our habits to our finances. Key takeaways: Money is deeply emotional — our spending is driven far more by feelings, conditioning and habit loops than by logic, no matter how "mathematical" it looks on paper The shame avoidance cycle is real: when we feel shame about our finances, we avoid them — which only makes things worse over time Understanding why you behave the way you do with money is more powerful than trying to restrict or stop the behaviour cold Social media and marketing are constantly triggering emotionally driven spending — self-awareness helps you recognise those triggers before they hit your bank account The goal isn't perfection, it's curiosity — approaching your financial behaviour as an observer, without judgement, is where real change begins See omnystudio.com/listener for privacy information.

A deep dive into the Australian Government 5% Deposit Scheme and Australian Government Help to Buy Scheme 08.05.2026 39mnt

The Australian Government 5% Deposit Scheme and the Australian Government Help to Buy Scheme are two different pathways to homeownership for Australians – but do you know the difference between the two? If you're buying a home in the near future, these schemes may be relevant to you, and may support or shift the way you approach home buying. I've deep dived into both schemes, including the benefits, risks and considerations, and who they're best suited to, so you can feel more informed. PLUS I took your questions right from your fingertips to the top to get the answers. Highlights: The difference between the two schemes Who is best suited to each (and who isn't) Considerations when buying using a scheme, and risks to be aware of Recent changes to the schemes that open them up to more people, including people who haven't owned property in the last 10 years, or single parents buying out a former partner Case studies from people who have used the schemes and how it impacted their home ownership journey. Head to www.firsthomebuyers.gov.au to find out more and check your eligibility. This episode was created for educational purposes only, in partnership with the Australian Government.See omnystudio.com/listener for privacy information.

The Monthly Wrap April 04.05.2026 47mnt

Trigger warning: this episode contains discussions around pregnancy and fertility. Back again with another Monthly Wrap sharing what's been going in my finances, and a look at what's going down in life, money and business. Plus, I share some personal news that I've been keeping under wraps for a while!  Mentioned in this episode: Manners London trousers*: https://go.shopmy.us/p-51197832 Recipe Tin Eats fishcakes: https://www.recipetineats.com/salmon-patties/ Thank you as always to PocketSmith for being the official sponsor of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's Standard plan.See omnystudio.com/listener for privacy information.

Why shifting from an "I can't because..." mindset to an "I can because..." mindset will change your finances immediately 27.04.2026 22mnt

A rainbow literally appeared while I was speaking to you in this episode and if that's not a sign to open your mind up to all the ways you maybe CAN do the thing your brain is telling you you can't, I don't know what is.  In this episode I take you through a simple mindset shift that'll take you from fixed, restrictive thinking to a mindset of possibility and opportunity – and you'll barely recognise your finances once you try it.See omnystudio.com/listener for privacy information.

10 MORE ways to upgrade your life and feel like a baddie (without spending a fortune) 20.04.2026 27mnt

One of your MOST LOVED eps from last year was all about upgrading your life without spending a fortune, so I'm back with more ways to do exactly that. From what you drink your morning coffee out of, to how you unwind when you're stressed, these 10 little upgrades are absolutely overflowing in lifestyle value and bang-for-buck.See omnystudio.com/listener for privacy information.

How to create money rules to simplify your financial mental load 13.04.2026 24mnt

Ever feel like your brain is constantly running a background tab called "am I spending this right?" This episode is all about quieting that noise. Money rules can help you simplify your financial decisions and allow money to be a resource in your life. Instead of relying on willpower in the moment, your 'personal policies' let you pre-decide, so your future self doesn't have to. In this episode, we break down what money rules are, why they work (hint: systems always beat willpower), and how to build your own using a simple three-part framework.See omnystudio.com/listener for privacy information.

The Monthly Wrap: March 06.04.2026 34mnt

Welcome back once again to The Monthly Wrap: what's been cracking in life, money and business over here at Broke HQ. Thanks as always to PocketSmith for sponsoring this episode. Each month I'll take you through: The monthly mood: what was the vibe of my finances last month? An overview of the month in life, money and business RECEIPTS: where my money went, using my PocketSmith dashboard for insights The money mirror: what was my transaction list reflecting back at me BOARD MEETING: business updates, projects and challenges GROUP CHAT: life updates, hacks, recipes, and hot goss Next month's focus and 3 quick hit goals to focus on Head to www.pocketsmith.com/thebrokegeneration to check out PocketSmith's foundation plan and snag yourself 2 months at 50% off.See omnystudio.com/listener for privacy information.

Don't doom spend right now – do this instead 31.03.2026 25mnt

In this episode I'm diving into the doom spending narrative that's spreading online, including why we're tempted to do it, why it's unhelpful, and what to do instead. ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

How to manage your money and life like a business: build your financial EQ 16.03.2026 44mnt

In this episode I'm talking about a piece of advice that has come up over and over again in conversations about money in recent months, which is this: manage your money and your life like its a business and you're in charge. Developing emotional intelligence around your money is a critical part of being good with money – but we're not taught how to do it. Starting with this business-style approach to managing your money helps you see it like a tool, rather than an extension of your identity or a representation of your worth. Highlights: Treating your life like a business to give you the clarity you need for success Allocating funds to your different life "departments" Being proactive and reactive accordingly Investing in growth and efficiency Adopting a "margin mindset" Identifying when your lifestyle isn't viable (and what to do instead) Viewing things from a big picture perspective by taking an annual approach to expenses ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

The Monthly Wrap: February in review 02.03.2026 58mnt

Welcome back to another Monthly Wrap episode thanks to my friends at PocketSmith. Each month I'll take you through: The monthly mood: what was the vibe of my finances last month? An overview of the month in life, money and business RECEIPTS: where my money went, using my PocketSmith dashboard for insights The money mirror: what was my transaction list reflecting back at me BOARD MEETING: business updates, projects and challenges GROUP CHAT: life updates, hacks, recipes, and hot goss Next month's focus and 3 quick hit goals to focus on Head to www.pocketsmith.com/thebrokegeneration to check out PocketSmith's foundation plan and snag yourself 2 months at 50% off. Mentioned in this episode: Cat probiotics https://amzn.to/4rTbAhm See omnystudio.com/listener for privacy information.

Things you'll thank yourself for in 10 years, part 3 24.02.2026 27mnt

I'm back with a new instalment of my 'thank yourself in 10 years' series, so get your hot little butt out for a walk and listen to the next batch of stuff you can do to make life easier for yourself in a decade's time. Mentioned in this episode: How to like yourself part 1: https://open.spotify.com/episode/1SkrdHK8Nn4jpp38lfyJUE How to like yourself part 2: https://open.spotify.com/episode/4O7qznE9gmMRzXB4gTbOXM  See omnystudio.com/listener for privacy information.

Pet Finances Miniseries: how to build a financial safety net for your pet, with vet Claire Jenkins 18.02.2026 29mnt

n this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership. Episode 3 highlights: The cost of common pet conditions/emergencies to be aware of How much to have saved if you don't have insurance  How to communicate with your vet over financial aspects of pet care How telehealth can help you reduce unnecessary trips to the vet and get immediate advice at home PLUS there's a special offer for The Broke Generation listeners: use code VET10 to get 10% off your VetChat Plus membership and get unlimited telehealth appointments at any time of day, plus cover for 5 common pet emergencies https://www.vetchat.com.au/vetchat-plus?utm_source=the-broke-generation&utm_medium=podcast&utm_campaign=vetchat   Where to find Claire and VetChat on social media: https://www.instagram.com/vetchataustralia/See omnystudio.com/listener for privacy information.

Pet Finances Miniseries: A vet’s advice on managing financial anxiety as a pet parent, with vet Claire Jenkins 17.02.2026 24mnt

In this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership. Episode 2 highlights: Financial anxiety as a pet parent and what causes it Common red flags to look out for in your pets What mix of savings/insurance/coverage/check ups is ideal to stay on top of pet costs A vet's advice for keeping your pet healthy when they hate going to the vet PLUS there's a special offer for The Broke Generation listeners: use code VET10 to get 10% off your VetChat Plus membership and get unlimited telehealth appointments at any time of day, plus cover for 5 common pet emergencies https://www.vetchat.com.au/vetchat-plus?utm_source=the-broke-generation&utm_medium=podcast&utm_campaign=vetchat   Where to find Claire and VetChat on social media: https://www.instagram.com/vetchataustralia/See omnystudio.com/listener for privacy information.

Pet Finances Miniseries: Is pet insurance worth the cost? (and what to do if you don't have it) feat. vet and founder of VetChat Claire Jenkins 16.02.2026 27mnt

In this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership. Episode 1 highlights: Is pet insurance really worth it? How do I understand my policy better? What if I don't have it and it's too late now? The role of telehealth in managing your pet's health PLUS there's a special offer for The Broke Generation listeners: use code VET10 to get 10% off your VetChat Plus membership and get unlimited telehealth appointments at any time of day, plus cover for 5 common pet emergencies https://www.vetchat.com.au/vetchat-plus?utm_source=the-broke-generation&utm_medium=podcast&utm_campaign=vetchat   Where to find Claire and VetChat on social media: https://www.instagram.com/vetchataustralia/See omnystudio.com/listener for privacy information.

What I learned during my SECOND year of not buying any clothes 09.02.2026 36mnt

In 2025 I committed going one whole year without buying clothes... for a SECOND TIME! In this episode I take you through what I learned, the challenges, the wins, and how it differed from the first time around. The Wardrobe Project group challenge is now open for enrolment for our next cohort starting March 1st, and early bird pricing is available until 12th Feb! Save your spot here: https://thebrokegeneration.com/product/the-wardrobe-project-cohort-3/ Mentioned in this episode: My new book, The Wardrobe Project: A year of buying less and liking yourself more: https://amzn.to/4qpQEge Previous episode about my experience giving up buying clothes for a year: https://thebrokegeneration.com/blog/episodes/i-didnt-buy-clothes-for-one-year-heres-everything-i-learned/?portfolioCats=362 ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

The Monthly Wrap: January 02.02.2026 44mnt

 The Monthly Wrap is BACK, BABY!!! A loved episode format from many moons ago, I'm thrilled to bring back my monthly wrap up of goings on in my finances, life and business, in partnership with my friends at PocketSmith. Each month I'll take you through: The monthly mood: what was the vibe of my finances last month? An overview of the month in life, money and business RECEIPTS: where my money went, using my PocketSmith dashboard for insights The money mirror: what was my transaction list reflecting back at me BOARD MEETING: business updates, projects and challenges GROUP CHAT: life updates, hacks, recipes, and hot goss Next month's focus and 3 quick hit goals to focus on Head to www.pocketsmith.com/thebrokegeneration to check out PocketSmith's foundation plan and snag yourself 2 months at 50% off. Mentioned in this episode: Baguette recipe: https://www.aberdeenskitchen.com/2020/08/classic-crusty-french-baguettes/ See omnystudio.com/listener for privacy information.

A blueprint for your hottest money year ever 26.01.2026 53mnt

In this episode I take you through an epic guided framework to help you create a blueprint for your hottest money year ever. Combining both objective and subjective elements of your finances, this blueprint will give you a complete look at your finances and establish the most bang-for-buck areas to focus on in 2026. Mentioned in this episode: Payday routine episode: https://thebrokegeneration.com/blog/episodes/a-payday-routine-is-your-superpower-spendtember/ Financial values episode: https://thebrokegeneration.com/blog/episodes/bonus-miniseries-understanding-financial-values-and-how-to-spend-in-alignment-with-them/ Reflect & Reset 2 part workshop DISCOUNTED PRICE: https://thebrokegeneration.com/product/reflect-reset-2025/ ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Why self-pride should be your number one success metric for 2026 19.01.2026 34mnt

Welcome to 2026!! In this episode I'm unpacking the power of pride (and the momentum it generates) in your personal finances and exploring what we can do to make ourselves proud this time next year.  Mentioned in this episode: Reflect & Reset | The two part workshop: https://thebrokegeneration.com/product/reflect-reset-2025/ ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.