The Broke Generation

Episódios

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  5 things I did with my finances 5 years ago that are paying off now 27.07.2026 29min

  In this episode, I reflect on five things I did around five years ago that are paying off in a big way now — from scrappy investing beginnings to mindset shifts that changed everything. It's a reminder that small, imperfect actions compound over time in ways you simply can't see when you're in the thick of it. Key takeaways: Starting to invest with just $5 a week can grow into something significant — consistency beats waiting for the "perfect" moment Paying off debt isn't just about clearing a balance; it builds the behavioural habits that fund every financial goal that comes after Delaying a lifestyle upgrade by even one or two years can mean making the move from a far stronger financial foundation Staying in a "comfortable" job can be just as costly as staying in a bad one  Letting go of a victim mindset around money (like "I just got unlucky") is what opens the door to actually changing your situation The hardest part of any financial goal is the early stages — but looking back is one of the best tools for staying motivated to keep going. See omnystudio.com/listener for privacy information.
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  The 4 side hustles that changed my life and my finances 20.07.2026 45min

  I'm not being dramatic when I say my side hustles changed my life and finances forever. They truly did, both from a numbers perspective and in terms of my career. But nothing happens overnight! In this episode I'm talking through the 4 main side hustles I've had that've changed my life forever, including tips and advice on getting started yourself, and insights from everything I've learned along the way.See omnystudio.com/listener for privacy information.
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  Hot girls have their insurances sorted, with Trish Gregory 13.07.2026 49min

  In this episode I'm joined by Trish Gregory from our new podcast partner, Hayes & Co, to talk all things personal insurances. Insurance is one of the less sexy sides of personal finance, but it can actually have a profound impact on your financial future.  In this episode we talk about the role of insurance in building your financial confidence, the types of insurance you can get and what it can offer, and how to take insurance matters out of the too hard basket. Book a meeting with Trish to discuss your insurance requirements: https://calendly.com/trish-hcis/initial-insurance-meeting-bg Content contained in this episode is for educational purposes only and does not consider your personal circumstances. Broke Media Pty, trading as The Broke Generation (ABN: 22 681 944 141) is a Corporate Authorised Representative No. 001322176 of Rask Licensing Pty Ltd (ABN: 32 681 073 478) (AFSL: 563 907). The information, tools and content provided are general financial advice only. That means the advice does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate before acting. Always read the PDS and TMD before making any decision. If you are unsure, seek personal financial advice from a licensed adviser. Please read our Privacy Policy and Financial Services Guide. Past performance is not indicative of future returns. Investing always carries risk of loss.See omnystudio.com/listener for privacy information.
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  The Monthly Wrap: June 06.07.2026 1h 1min

  Welcome again to another monthly wrap where I take you through an overview of what's been going on in my life, money and business. This is the last monthly wrap until August so buckle in for a bumper episode as I yap about all things new foundation, winding down work for maternity leave, and navigating the massive life change that's about to come.  Thanks again to PocketSmith for being the official partner of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of the standard plan.See omnystudio.com/listener for privacy information.
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  The importance of financial literacy before homeownership: Reddit Rants, with Tash Etschmann 29.06.2026 24min

  In this episode I'm joined again by Tash Etschmann from Tash Invests to dissect a particularly eye opening mortgage misconception I found on Reddit. A true lesson in why financial literacy and mortgage education should be a duty of care from lenders to would-be mortgage holders, we unpack how one first home buyer thought they were going to be making repayments at over 90% of their take home pay after a miscalculation blunder.See omnystudio.com/listener for privacy information.
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  Why having a "financial compass" will set you up for success 22.06.2026 21min

  In this episode, I explore how replacing a rigid financial map with a values-driven compass can transform the way you manage money. Rather than chasing fixed numbers and linear plans, I share why understanding your deeper values leads to better financial decisions — especially in a world where careers, costs, and life circumstances are constantly shifting. Key takeaways: Why rigid financial plans fail to account for real life changes The difference between a financial "map" vs. a financial "compass" How your values — not numbers — should guide your money decisions The three types of money values: spending values, short-term priorities, and big-picture values Why skipping the values work means you may reach your goals but still feel empty How a compass approach helps you honour both present and future you along the way See omnystudio.com/listener for privacy information.
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  How do we balance lifestyle creep with still enjoying our money? With Tash Etschmann 15.06.2026 39min

  In this episode I'm joined by Tash Etschmann of Tash Invests to discuss the concept of lifestyle creep versus values-based spending, and how we keep on top of small expenses adding up while still enjoying our money and experiencing life now. Inspired by my recent $21 spend on coffee and hash browns on hotel room service, we unpack value versus values, the psychological concept of category limits, simplifying financial decisions with money rules, and keeping spending runways in check before they derail your progress.See omnystudio.com/listener for privacy information.
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  Why the “pointless phase” is a critical part of any goal 08.06.2026 27min

  In this episode I'm talking about a VERY important part of any goal: the pointless phase (don't worry, I'll explain). Nobody ever speaks about this aspect of personal finance, and often the advice we hear is coming from people on the other side of that struggle, leaving us psychologically disconnected from what we're being told. When we learn to recognise the pointless phase when we're in it, we can stay the course, get over the pointless hump, and finally start seeing progress. See omnystudio.com/listener for privacy information.
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  The Monthly Wrap May 02.06.2026 42min

  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.
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  Why did trying become uncool? 18.05.2026 18min

  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.
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  The power of financial self awareness 11.05.2026 22min

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

  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.
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  The Monthly Wrap April 04.05.2026 47min

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

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

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

  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.
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  The Monthly Wrap: March 06.04.2026 34min

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

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

  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.
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  The Monthly Wrap: February in review 02.03.2026 58min

  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.