Good With Money

Welcome back to The Monthly Wrap, where I take you through an overview of life, money and business. This month I take you through September, adjusting to life as part-stay-at-home-mum-part-self-employed-business-owner, share my first advent calendar purchase, and the slow but steady stabilisation of post-post-partum financials.

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.

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This week I'm hitting replay on an episode from my The Wardrobe Project mini series last year! The year I chose not to buy clothes was one of the most transformative things I ever did for my confidence and my finances, and I'm telling all in this episode. 

Welcome back to episode 3 of The Wardrobe Project mini series! For our final episode I'm talking about the other side of the coin: what happens when you complete a year long experiment to not buy a single item of clothing? How does it feel? Did anything change? And what is life like on the other side of an obsession with clothes? I tell all in this final episode of the series.

Mentioned in this episode

If you've enjoyed this mini series I'd so appreciate you snapping up a preorder of the book! Your receipt will get you access to an upcoming webinar and the ability to enter the prize draw that's coming very soon. Stay tuned for more info! 

Preorder your copy below or Google search "The Wardrobe Project Emma Edwards" for local results in your region.

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This week we're hitting replay on one of your favourite episodes of the podcast ever.

In this solo episode I'm taking you three behavioural turning points that fundamentally changed my finances forever. From identifying cycles that are keeping you stuck to always investigating the beliefs that your behaviour is upholding, this punchy ep is a masterclass in owning your own financial mindset and making positive change.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome back to The Monthly Wrap, where I take you through an overview of life, money and business. This month's episode is a combo episode of July and August as I have recently welcomed my first baby into the world. Buckle in for chats on the financial aspect of pet loss, navigating finances through grief and joy, the duality of love and loss, postpartum impulse purchases, and approaching my finances with a whole new outlook as a mum.

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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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:

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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.

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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.

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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.

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.

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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:

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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.

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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. 

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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.

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:

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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:

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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:

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.

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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:

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.

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.

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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.

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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.

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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:

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.

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!

ORDER MY FIRST BOOK, GOOD WITH MONEY

Where to find me

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue:the money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

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:

ORDER THE WARDROBE PROJECT!

ORDER MY FIRST BOOK, GOOD WITH MONEY

Where to find me

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue:the money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome back to another Monthly Wrap episode thanks to my friends at PocketSmith.

Each month I'll take you through:

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:

See omnystudio.com/listener for privacy information.

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:

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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:

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.

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:

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.

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:

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.

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:

ORDER THE WARDROBE PROJECT!

ORDER MY FIRST BOOK, GOOD WITH MONEY

Where to find me

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

 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:

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:

See omnystudio.com/listener for privacy information.

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:

ORDER THE WARDROBE PROJECT!

ORDER MY FIRST BOOK, GOOD WITH MONEY

Where to find me

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

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!

ORDER MY FIRST BOOK, GOOD WITH MONEY

Where to find me

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

BOOM we are hitting the ground running this January with a red hot look at where I spent my money in 2025 and what my plans are for it in 2026. Special thanks to PocketSmith for making this episode possible. Visit www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan.

ORDER THE WARDROBE PROJECT!

ORDER MY FIRST BOOK, GOOD WITH MONEY

Where to find me

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

It's that time of year again! Join me as I rattle through 26 goals for 2026, in the realms of money, business, health, and happiness.

ORDER THE WARDROBE PROJECT!

ORDER MY FIRST BOOK, GOOD WITH MONEY

Where to find me

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

 Welcome to the annual TBG end of year guided money reflection! Grab your notebooks, pour yourself something tasty, and buckle in for a series of reflective questions about your year in money.

Want more? Dive deeper with my two part workshop series, Reflect & Reset, available instantly on demand, with a Money on a Page worksheet to complete between sessions. https://thebrokegeneration.com/product/reflect-reset-2025/

Thank you so much for being a part of the podcast this year, I appreciate you SO much! Here's to 2026.

ORDER THE WARDROBE PROJECT!

ORDER MY FIRST BOOK, GOOD WITH MONEY

Where to find me

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

It's that time of year! Join me as I review my 25 goals I set for 2025 and cover off which ones I achieved, which ones I didn't, and what I learned along the way.

Mentioned in this episode: 

ORDER THE WARDROBE PROJECT!

ORDER MY FIRST BOOK, GOOD WITH MONEY

Where to find me

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode I'm joined by Tash Etschmann (@tashinvests) for a chat about all things POINTS! We unpack everything from Qantas versus Velocity for frequent flyer points, Everyday Rewards vs FlyBuys, and other programs that offer added benefits. 

Join me as an Everyday Extra gal here: https://rewards.app.link/wc7wWEYYoOb

ORDER THE WARDROBE PROJECT!

ORDER MY FIRST BOOK, GOOD WITH MONEY

Where to find me

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

We're back again with another week in our wallets brought to you by PocketSmith. This week Victoria galivants around Japan while Emma has a low key week of hustling.

Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan.

See omnystudio.com/listener for privacy information.

In this episode I'm joined by Kim Heironymous, education manager at AustralianSuper, to talk all things superannuation and how to get engaged with your superfund for the benefit of your future self.

Highlights:

Take your Super Snapshot here to see how you’re tracking!

-

Disclaimers:

If you’re considering making a decision about AustralianSuper, please read the relevant PDS and TMD available at www.australiansuper.com.

Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover.

If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed.

AustralianSuper modelling projections show a high school graduate who starts their retail career at 18yo and earns 12% SG on their Ordinary Times Earnings (OTE) of $56,000 throughout their working life can expect a balance of $556,000 when they retire at 67. At 20yo, they change their investment option from Balanced to High Growth. They continue to earn 12% SG on their OTE of $56,000 throughout their working life. By changing their investment option, they can now expect a balance of $641,000 when they retire at 67 – that’s $85,000 more than if they hadn’t taken action.

The projection is only an estimate and isn’t a guarantee. The actual benefits you receive will depend on a range of factors including future economic conditions, investment performance and legislative change. Assumptions: Calculations at September 2025. Salary as per General Retail Industry Award (Retail Employee Level 4) 1 at 25 June 2025. Salary indexed at 3.5% pa. AustralianSuper administration fees of $1 pw and 0.10% of account balance (capped at $350 pa) and AustralianSuper average insurance costs of $450 p.a. Assumes member will receive a tax benefit of 15% on any administration fees and any insurance fees deducted directly from the account. Investment returns projected over the working lifetime are 6.5% p.a. for the Balanced option and 7.0% p.a. for the High Growth option, net of fees and applicable taxes. SG contributions are 12% pa from 1 July 2025. Assumes member works full-time throughout the projection period with no career breaks. 

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Welcome back to another episode of A Week In Our Wallets, this time brought to you by our fabulous friends at PocketSmith! Head to www.pocketsmith.com/thebrokegeneration to try PocketSmith for yourself. 

See omnystudio.com/listener for privacy information.

Welcome back to things you'll thank yourself for in 10 years. If you haven't listened to part one yet, go and do so. This week I'm diving into more small things you can do for your life, health and finances that you'll thank yourself for in the future. Share this with someone you think will enjoy it!

See omnystudio.com/listener for privacy information.

Welcome to the annual Black Friday episode where I take you through my observations on the sales sentiment this year, comb through retail reports on what the industry is seeing, and of course, leave you with my top tips, mindsets to embrace and traps to avoid to ensure you're happy with your spending by the end of it all! 

See omnystudio.com/listener for privacy information.

It's officially release day for The Wardrobe Project (in Australia, anyway!). Rest of world, you're only about a week or so away! In this special release day episode I take you through a bit about the writing process, my 5 favourite things about the book, and a sneak peek reading of a few pages. Get your tickets to one of the launch events below – I can't wait to see you!

Melbourne: https://www.trybooking.com/events/landing/1496871

Sydney: https://www.trybooking.com/events/landing/1489984

Order your copy!

Or Google search "The Wardrobe Project by Emma Edwards" in your region for local results.

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WE'RE BACK BABY!!!! In this episode, I'm joined by KJ. a passionate financial advocate openly sharing her financial journey. KJ discusses her experiences migrating to the UK from Zambia aged 7, detailing her struggles and triumphs with debt management and living her 'best boujiest life' while building financial confidence. From her educational background in law to a rewarding consulting career, her story highlights the importance of financial literacy and emotional resilience. KJ also touches on the concept of 'black tax,' the pressures of being an eldest daughter, and her strategies for effective budgeting and financial planning. Her journey showcases how overcoming financial challenges requires internal growth and practical techniques.

Highlights:

Where to find KJ: https://www.tiktok.com/@kjkas4?_r=1&_t=ZS-918LdLIfd48

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In part one of this new series, I'm sharing a raft of things you'll thank yourself for in 10 years. No matter what age or stage of life you're at, there's something to be said about doing something now that'll pay off in the future. Often we wait around for the perfect time to start something, only to realise that the years have passed anyway, and we'd be so much further along with something if we'd just taken that one first step a decade ago.

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

A short message from Emma to let you know the podcast is taking a teeny tiny 2.5 week break to catch up on editing and making the show the best it can be for your favourite months of episodes: December and January! 

Here are five of the greatest hits episodes from the back catalogue to listen to while I'm gone:

Or why not head over to Broke Business and have a listen to the money podcast for business owners! 

See omnystudio.com/listener for privacy information.

This was a hotly requested episode as we hurtle closer towards gift-giving season, so settle in for a deep dive into why gift giving is its own unique taboo, and some strategies for addressing expensive traditions or norms. 

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this solo episode I'm talking all things THRIFTING! Shopping second hand can feel like the perfect loop hole for your little treats, without breaking the bank or the environment. But the guilt-free dopamine dispenser of shopping second hand, whether on apps like Vinted and Depop, or in op shops, charity shops and vintage stores, can lead to unhelpful behavioural cycles that leave you with more questions than answers.

In my year-long experiment of not buying any clothes, I banned thrifting too. Now, I'm learning to integrate second hand shopping back into my overall approach to clothing and style, and WOW, I learned a lot. This episode will share my insights into the dopamine trap of second hand shopping, and the skills to master in order to be able to do it mindfully.

Mentioned in this episode:

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this solo episode I'm sharing with you the One Win Rule: a framework I developed to help you connect your beliefs and behaviours in order to break unhelpful money cycles. Whether you keep spending money when you don't plan to, or you feel like you'll never get ahead at work, or you feel like your business/side hustle is failing, the "One Win Rule" can help you intercept any pattern using principles from financial psychology. 

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome back to another Emma's Dilemma. Today we're unpacking a curly one about what happens when we cut off one area of spending... but just spend the same amount in another area. In this episode I dive into:

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode I take you through the concept of "following up" with yourself, and how you can use it to change your behaviour in a way that ACTUALLY works for your brain, rather than against it. 

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome back to Emma's Dilemma, where I take your dilemmas and answer them with piping hot advice on life and money. Today's dilemma is all about untangling that overwhelming feeling of having competing priorities and deciding which direction your life is going to go in next. 

In this episode, we cover:

Mentioned in this episode: printable matrix template for goal prioritisation https://thebrokegeneration.com/wp-content/uploads/2025/09/Goal-Priority-Matrix.pdf 

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome to the final episode in our 3 part mini series with mortgage broker, Kobe Clarke-Jacobs. In this final instalment we're debunking how a change in income or circumstances changes and impacts your ability to buy a home. Whether you're planning on going on parental leave, taking a pay cut or changing jobs or industries, you'll find all the home loan insights you need in this nifty ep.

Where to find Kobe:

Instagram: @financewithkobe

TikTok: https://www.tiktok.com/@financewithkobe 

Website: https://financewithkobe.com.au/ 

See omnystudio.com/listener for privacy information.

In this episode we're debunking the myth that it's too hard to buy property if you're self employed, freelance or run your own business. Mortgage broker and friend of the pod Kobe Clarke-Jacobs breaks down what you need to know, how lending works for self employed earners, and why you don't need to buy into the lie that it's too hard to borrow.

Where to find Kobe:

Instagram: @financewithkobe

TikTok: https://www.tiktok.com/@financewithkobe 

Website: https://financewithkobe.com.au/ 

See omnystudio.com/listener for privacy information.

Welcome to a hot new little mini series with mortgage broker, Kobe Clarke-Jacobs, where we debunk the reasons you might think you can't buy a home, and break down how we go about buying if we're in some of those scenarios. First up: we're looking at you, single pringles. Buying solo gets a bad rap, but it's absolutely possible, and in this episode, Kobe explains how.

Where to find Kobe:

Instagram: @financewithkobe

TikTok: https://www.tiktok.com/@financewithkobe 

Website: https://financewithkobe.com.au/ 

See omnystudio.com/listener for privacy information.

Hello shareholders and welcome to the Broke HQ Annual General Meeting (read: very yappy, chatty podcast giving you a behind the scenes look at what's been happening at The Firm, Broke HQ).

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome back to episode 3 of The Wardrobe Project mini series! For our final episode I'm talking about the other side of the coin: what happens when you complete a year long experiment to not buy a single item of clothing? How does it feel? Did anything change? And what is life like on the other side of an obsession with clothes? I tell all in this final episode of the series.

Mentioned in this episode

If you've enjoyed this mini series I'd so appreciate you snapping up a preorder of the book! Your receipt will get you access to an upcoming webinar and the ability to enter the prize draw that's coming very soon. Stay tuned for more info! 

Preorder your copy below or Google search "The Wardrobe Project Emma Edwards" for local results in your region.

PLUS follow @thewardrobeprojectbook on Instagram for all preorder incentive updates, workshops and launch events plus exclusive clothing content.

See omnystudio.com/listener for privacy information.

In episode 2 of The Wardrobe Project Mini Series, I'm taking you through 10 things that drive irrational clothing purchases, and why we're so often left feeling like we have nothing to wear despite staring at a wardrobe full of clothes. From emotional soothing, to dopamine-seeking, to misattributing the feelings of shopping, there are so many nuggets to explore in this episode.

If you enjoy it, you'll love my new book, The Wardrobe Project, coming November 2025. Preorder your copy below or Google search "The Wardrobe Project Emma Edwards" for local results in your region.

PLUS follow @thewardrobeprojectbook on Instagram for all preorder incentive updates, workshops and launch events plus exclusive clothing content.

See omnystudio.com/listener for privacy information.

WELCOME TO THE WARDROBE PROJECT MINI SERIES, BABY! In celebration of launching my upcoming second book, The Wardrobe Project, this mini series will give you a little taster of the contents of the book and the year challenge I set myself to not buy clothes. In this first episode we're breaking down the 5 key things that made me want to investigate my clothes buying habits, from money leaks and emotional spending hanging around after my debt pay off, to lockdown confidence challenges and cognitive dissonance around sustainability.

Preorder your copy of The Wardrobe Project below, or Google search "The Wardrobe Project Emma Edwards" for local results in your region.

PLUS follow @thewardrobeprojectbook on Instagram for all preorder incentive updates, workshops and launch events plus exclusive clothing content.

See omnystudio.com/listener for privacy information.

Everyone's talking about "locking in" and setting up their September to December sprint. So as always I'm here to be your brain-obsessed behavioural guide to designing your own lock in that doesn't leave you borrowing inspiration from everyone's TikToks. 

In this episode, I cover:

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this solo episode I'm taking you through 5 powerful money conversations to have with people in your life that will rock your relationship with money, shatter your limiting beliefs and shift your self-understanding into lightbulb moment territory. 

Come on retreat with us this November 20th - 23rd in Samford, Queensland! Spend 4 days at our luxury retreat centre and have meaningful money conversations, like these, alongside money workshops, yoga, crafts, pool swims, saunas, naps, and delicious feeds from a private chef. Reserve your spot here: https://www.yogablewellbeing.com/themoneysleepover

Mentioned in this episode: @tashinvests 

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this solo episode I’m sharing why September is my FAVE month for working on your financial goals, and offer you a hot little plan to see you to the end of 2025.

Highlights:

JOIN SMART SPEND-TEMBER FOR JUST AU$28! https://thebrokegeneration.com/product/smart-spendtember/

See omnystudio.com/listener for privacy information.

In this solo episode I'm taking you three behavioural turning points that fundamentally changed my finances forever. From identifying cycles that are keeping you stuck to always investigating the beliefs that your behaviour is upholding, this punchy ep is a masterclass in owning your own financial mindset and making positive change.

PREORDER THE WARDROBE PROJECT!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome back to another week in our wallets, where we take you through what we spent in a week, why, and how we felt about it after.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

Book: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books

See omnystudio.com/listener for privacy information.

In this final episode of my mini-series with financial advisor Jess Brady, we dive into the crucial but often overlooked topic of risk management and insurance. Jess shares her personal experience of becoming uninsurable and making insurance claims, highlighting why timing matters when it comes to protecting your financial future. We explore the different types of insurance available and how to balance protection with affordability.

Highlights:

You will learn:

Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG

Where to find me:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

https://amzn.to/4jnBupb 

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

In this second episode of my mini-series with financial advisor Jess Brady, we explore the concept of a "Freedom Fund" and why investing doesn't have to be about becoming ultra-wealthy. Jess breaks down how to reframe investing as a tool for creating choices and opportunities in your life, rather than just chasing passive income. We discuss the psychological barriers that keep people from starting their investment journey and introduce Jess's six-step investment framework.

Highlights:

You will learn:

Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG

Where to find me:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

https://amzn.to/4jnBupb 

Preorder my new book, The Wardrobe Project, coming November 26th! 

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

In the first instalment of this three-part mini series, financial adviser and educator Jess Brady shares candid insights into her journey, experiences, and expertise. This episode sets the tone for an inspiring and practical series, where Jess unpacks lessons learned from building a career in finance, running her own business, and empowering others to take control of their money. 

Episode 1 focuses on your money memoir – all of those experiences and memories that form your relationship with money. Together we discuss the power of understanding your history with money and how it can unlock the softer skills of personal finance.

Join the September cohort of The Greenhouse here: https://courses.jessicabrady.com.au/TheGreenhouseMoneyGrowingProgramxTBG

See omnystudio.com/listener for privacy information.

In this episode we dissect the dynamic between a trust fund kid and a minimum wage worker, as depicted in a recent video by @Cut on Instagram: https://www.instagram.com/reel/DMx7GErP_QE/?igsh=MXZjcXVuNzVwb29qbg%3D%3D 

We explore why the rich feel the need to be vague when asked about their wealth, whether financial transparency more broadly is always a good thing, and the ways in which money doesn't guarantee happiness. 

See omnystudio.com/listener for privacy information.

In this voice-note style ramble, I unpack how the elusive idea of being "cool" can impact the way we spend our money, particularly if we've got old wounds from not being one of the cool kids in high school. From expensive hobbies to dressing for who you wished you were, there's still something so idealised about being "cool" even as an adult, and as years rattle by and we we ride the ups and downs of life, can "coolness" catch us out at any age?

Where to find me:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

https://amzn.to/4jnBupb 

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

New episode style alert! Join us as we take you through a week in our wallets: what we spent, why, and how we felt afterwards. You might love it, you might hate it, but we'll never know if we don't give it a whirl. Whack this on while driving, cleaning the kitchen or on your walk around the block when you hit your limit on work BS.

Like it? Slide into our DMs to let us know you want more!

See omnystudio.com/listener for privacy information.

This solo episode tackles the familiar feeling of wanting to self-soothe with spending - those moments when you're hurtling toward an "I need a little treat" purchase. I'm sharing 10 practical alternatives that combine behavioural redirects (techniques to help you move through the urge) and behavioural replacements (activities to focus on instead). Whether you're stress shopping, doom scrolling into purchases, or feeling that "fuck it, I'm just gonna order it" moment, this episode provides a toolkit to intercept those spending runways before they take off. The goal isn't to never spend again, but to regain control when your decisions don't feel like your own.

Key takeaways

Mentioned in this episode: https://www.allrecipes.com/recipe/241038/microwave-chocolate-mug-cake/ 

Where to find me:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

https://amzn.to/4jnBupb 

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

Content warning: this episode discusses themes of cancer, mortality and fertility.

Welcome to another episode of That's Juicy and this week we have a very special guest, friend and colleague of mine, Chloe Adams from PocketSmith. Chloe joins us to share her experience of being diagnosed with ovarian cancer in her thirties, despite having said two weeks prior that she was the healthiest she's ever been. 

We discuss how such a life altering diagnosis affects your money mindset, your outlook on the future, and big life decisions, and explore how being financially prudent when you're healthy can pay off big time if you find yourself dealing with a serious illness.

I'm pleased to give one spoiler alert that this episode has a happy ending and Chloe is now cancer free.

Mentioned in this episode:

See omnystudio.com/listener for privacy information.

The title of this episode is far more intellectual than the contents of it. You have been warned.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

Book: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books

See omnystudio.com/listener for privacy information.

Welcome back to another Emma's Dilemma episode where I address burning dilemma's from listeners. Today we have an absolute zinger: should I spend all my money now so I don't have regrets later? 

Good question. Should you? Watching the world collapse around us naturally creates a fear response in our minds, so it's tempting to make decisions like this to feel like you're empowered and in control. But, while you'd be avoiding some regret, you're not avoiding all regret – and that's the reality we need to get our minds to understand.

In this episode, I take you through:

Got a dilemma? Email podcast@thebrokegeneration.com or drop it into the Broke Gen Baddies Facebook group: https://www.facebook.com/share/g/16ZLKbV364/ 

Where to find me:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

https://amzn.to/4jnBupb 

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

Join us as we share our best life hacks for surviving and thriving in chaos, as we do best. From Victoria's "end of trip" routine to Emma's lanyard obsession, we hope you'll find something in this episode that'll make your life a little easier.

Plus, we discuss this year's upcoming Prime Day sale and share our best advice for savvy sale shopping.

Products mentioned in this episode*:

Kindle in "matcha green": https://amzn.to/44qv8Pq

Underwear drawer organisers: https://amzn.to/45N1VAB 

iPad keyboard: https://amzn.to/4eAMf5R

Shoe caps: https://amzn.to/44wh8Uq

Bulk dishwasher tablets: https://amzn.to/3ZW2pAM 

Emma's favourite spinning cleaning brush: https://amzn.to/4lFOWFx

See omnystudio.com/listener for privacy information.

It's that time of year again! Let's check in with how I'm getting on with the 25 goals I set for 2025, and whether I'm moving in the right direction to tick them off.

See omnystudio.com/listener for privacy information.

This episode is a recast of my annual guided mid year money review that is PERFECT for taking stock of where you're at as we close out the first half of 2025 and look ahead to what's to come. Even if you've heard this 5-step review process episode before, I encourage you to listen again with this year in mind. These things are always different every time we do them! 

The goal of this guided mid year money review is to get you to farm the data from the first half of the year and deploy your learnings into the second half of the year. Often we approach goal setting from a best-case-scenario mindset, which can set us up to fail. By anchoring ourselves in the mid point of the year, and using the real data of Jan - June in our finances to inform what's possible for Jul - Dec, we can set goals and intentions with context, and that set us up for success. 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

We're back with another 20 minute timer episode – this time we're trying to share our best travel hacks, but end up spending way too long talking about our Qantas plane food bingo before our booking in the recording studio was up. We'll finish giving you our best hacks another day, promise! 

See omnystudio.com/listener for privacy information.

It's Gemini season, which means it's my birthday month, and so it's time for one of your favourite episodes: the birthday ep! Usually, I do something like 30 things I've learned by 30, but now I'm 34, it's getting HARD to come up with 34 things. So instead, I'm taking you through 5 big lessons from my thirties in general, now that I'm well and truly settled in, buckled up and hurting towards my mid thirties at pace. 

Highlights: 

See omnystudio.com/listener for privacy information.

We set a 20 minute timer and yap about the recent news around Buy Now Pay Later becoming available for food delivery in the US, what this means from a social and financial perspective, and the broader context of our culture of convenient food delivery.

See omnystudio.com/listener for privacy information.

Welcome to a new segment of the podcast, Emma's Dilemma! In these bitey eps I'll be answering your dilemmas with my behavioural and psychological wisdom. This week we're unpacking the dilemma of whether or not to use a voucher or a store reward, what to do when a considered purchase ends up being really disappointing, and what happens when you're on a wardrobe no-buy but you hate everything you own.

Got a dilemma? Send it to podcast@thebrokegeneration.com with Emma's Dilemma in the subject line.

Mentioned in this episode: https://thebrokegeneration.com/blog/episodes/financial-red-flags-in-a-relationship-with-respect-victoria/

Where to find me:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

https://amzn.to/4jnBupb 

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

Earlier this year, The Guardian published an article on Jo Nemeth: the woman who lives without money. Instead of engaging in paid work and using that income to pay for goods, services and shelter, she contributes to an intergenerational household with unpaid labour. 

In this episode, we unpack the concept of living without money, including whether it's a giant leap forward to a society less hamstrung by late stage capitalism, or whether it's a sinister step backwards to a time when women lived without money under the control of their male partners. 

Read the full article here: https://www.theguardian.com/lifeandstyle/2025/feb/01/meet-the-woman-who-lives-without-money-i-feel-more-secure-than-when-i-was-earning 

See omnystudio.com/listener for privacy information.

In this episode I share 6 tips on what to do when life is life-ing and all you want to do is avoid, sabotage, and spend all your money on things you know you don't need. I take you through a recent personal experience of feeling too overwhelmed to do the right thing for my finances and how I got myself out of that without shame or guilt.

Highlights:

See omnystudio.com/listener for privacy information.

We're baaaaaaack! Well, kinda. While we're not back for a proper new season of The Comments Section, we've got a few special edition yaps that we'll be dropping for your listening pleasure over the coming weeks. Not a full meal, but a tasty morsel that leaves you wanting more (we hope). 

In this episode, we're building on a topic we discussed at Victoria's recent book launch in Perth: is "Temu culture" destroying our relationship with money? Spoiler alert: yes.

Highlights:

Where to find Emma

Website: https://thebrokegeneration.com/

See omnystudio.com/listener for privacy information.

In this 'That's Juicy' episode, I chat with mortgage broker Jess Bailey about the human side of home buying. We explore how personal circumstances shape financial decisions and how brokers can advocate for clients whose situations fall outside traditional lending norms.

Episode Highlights:

Where to find Jess:

Instagram: @lendingsolved

Website: https://www.lendingsolved.com.au/

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration

Order my book, Good with Money! https://amzn.to/4jnBupb

See omnystudio.com/listener for privacy information.

In this follow-up episode, I share four more behavioural hacks to make managing money feel easier and more enjoyable. I explore psychological approaches that can transform your relationship with budgeting and saving while still living a life you love.

Episode Highlights:

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration

Order my book, Good with Money! https://amzn.to/4jnBupb

See omnystudio.com/listener for privacy information.

Welcome to a 3-part mini series to celebrate our upcoming retreat in partnership with Yogable, The Money Sleepover this June! In episode one, we're giving you a taster of the types of money conversations we'll be having at the retreat and the type of vibe you can expect, by discussing the concept of a "silent dream". You know, that thing you always kinda wanted to do but think it's too late or that it'll never happen. 

Highlights:

-

The Money Sleepover is the ultimate women's financial wellness retreat, with all the fun of a sleepover from your youth, but for grown ups. Think: private chef, a sauna, yoga sessions, mindful crafts, facilitated money conversations and empowering finance workshops to help you live a life of joy and purpose.

We have a handful of spots left for the retreat, so get yourself booked in here: https://www.yogablewellbeing.com/themoneysleepover 

See omnystudio.com/listener for privacy information.

In this top loved episode I'm chatting about one of your FAVE topics on the pod: clothing spending. Oh, it's such a beast, isn't it?! If you relate to the feeling of outsourcing your identity to consumption, you'll love this episode. 

GET YOUR TICKETS TO MASTER YOUR STYLE MASTER YOUR SPENDING! https://www.trybooking.com/events/landing/1379832?embed

Join the waitlist for next round of The Wardrobe Project: https://mailchi.mp/7dbdeba873ab/atq5ho25bz?mc_cid=d857a7f281&mc_eid=9e962acd97 

Episode highlights:

ORDER GOOD WITH MONEY: https://amzn.to/4bC6QV8

GET THE NEWSLETTER:the weekly money psychology and mindset newsletter (that just so happens to have fun bits like a hot & not list, things I didn't buy, and fun updates from behind the scenes. Head to www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

See omnystudio.com/listener for privacy information.

Money management doesn't have to feel restrictive or complicated. In this episode, I share 4 practical financial behaviour hacks that have transformed my relationship with money and can help make your finances simpler too.

Highlights:

Mentioned in this episode: 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

https://amzn.to/4jnBupb 

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

Welcome to a new series of the podcast called That's Juicy! where I nab a chat with experts in a range of fields and squeeze the juice out of what they do best, to equip you with the knowledge you need in life and money.

This week we're joined by long-time friend of the show, Emily Wallace, who is a prolific Buyer's Advocate here in Melbourne. She knows the property buying process for first and family home buyers like the back of her hand, and in this episode of That's Juicy, she shares her best advice on navigating the confusing world of real estate. 

Highlights:

You will learn:

Where to find Emily:

https://wallaceadvocates.com.au/

Instagram: @emily_wallace_ba

TikTok: @buyersadvocatemelbourne 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

https://amzn.to/4jnBupb 

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

In this episode, I share why developing a monthly money reflection practice can transform your relationship with money. Instead of waiting until year-end to review your finances, I'll show you how regular reflection can lead to faster improvements and more intentional financial decisions.

Highlights:

You will learn:

Resources Mentioned

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

https://amzn.to/4jnBupb 

**Sign up to The Glue: **the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe 

See omnystudio.com/listener for privacy information.

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome to the final episode in our 3 part style & spending mini series! Today we're finishing off with the aspect of your style that comes entirely from your mindset. From breaking up with your fantasy self, to finding acceptance for who you are and changing the way you see yourself, we'll leave you inspired to silence that inner critic and start seeing style differently.

Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed

Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz

Download Carted and start your wishlist today: https://www.carted.com/

Where to find Maddy:

Instagram: @_madaboutfashion

TikTok: @madaboutfashion

Website: www.mad-aboutfashion.com.au

Where to find Emma:

Website: https://thebrokegeneration.com/?v=518f4a738816

See omnystudio.com/listener for privacy information.

Welcome back to the Master Your Style, Master Your Spending mini series, celebrating our upcoming Melbourne event this May, hosted by me, Emma Edwards, and my cohost and stylist, Maddy Forster. In this episode we're delving into your spending and buying patterns, including vulnerably sharing our own, in order to understand the cycles we might be stuck in, and how we can break them.

Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed

Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz

Download Carted and start your wishlist today: https://www.carted.com/

Where to find Maddy:

Instagram: @_madaboutfashion

TikTok: @madaboutfashion

Website: www.mad-aboutfashion.com.au

Where to find Emma:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome to the Master Your Style, Master Your Spending mini series, celebrating our upcoming Melbourne event this May, hosted by me, Emma Edwards, and my cohost and stylist, Maddy Forster. In this episode we're starting off in your wardrobe, exploring what we can learn from the things we already have. From what to do with those items you don't wear but can't let go of, to what we can learn from the things we do and don't feel good in, you'll leave this ep hungry to go and get stuck into your wardrobe and audit your clothes.

Get your event tickets here: https://www.trybooking.com/events/landing/1379832?embed

Join the Wardrobe Project waitlist here: https://mailchi.mp/7dbdeba873ab/atq5ho25bz

Download Carted and start your wishlist today: https://www.carted.com/

Where to find Maddy:

Instagram: @_madaboutfashion

TikTok: @madaboutfashion

Website: www.mad-aboutfashion.com.au

Where to find Emma:

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @the.brokegeneration 

Order my book, Good with Money!

Sign up to The Glue:the weekly money psychology and mindset newsletterwww.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Melbourne style and spending event tickets are on sale now!!! Early bird until 7 April https://www.trybooking.com/events/landing/1379832?embed 

In this episode I chat to stylist, Maddy Forster from Mad About Fashion about the power of finding your personal style, for your happiness, your bank account, and your confidence. 

This episode originally appeared as part of my 6 week group experience, The Wardrobe Project, where we hit pause on our clothing consumption and untangle our spending habits as they relate to our style. Keen to hear when the next round enrols? Join the waitlist here: https://mailchi.mp/e60be6e4205a/eyhjwar1s8

Also mentioned in this episode: I Hired a Stylist and Here's What it Taught Me About Consumption. https://open.spotify.com/episode/0zR3cFszEbKIocRVoUazHr?si=ix9wzCDYSnS-4ps3OGkOBg

Where to find Maddy:

Instagram: @_madaboutfashion

TikTok: @madaboutfashion

Website: https://www.mad-aboutfashion.com.au/

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

See omnystudio.com/listener for privacy information.