Her Money Matters copertina

Her Money Matters

Her Money Matters

Di: Naomi Holmes
Ascolta gratuitamente

Offerte di stagione | 0,99 €/mese per i primi 3 mesi

A seguire 9,99 €/mese – si applicano condizioni. Puoi disdire mensilmente.
Her Money Matters is the podcast helping women take ownership of their money and shape the future they want. Hosted by Naomi Holmes, a Financial Educator and coach with over 27 years in the industry, this show is about helping women understand their financial position through education, clear guidance, and trusted insights from a community of experts. We’ll talk about everything from investing and super, to caring for parents and helping your kids financially, paying down debt, leaving a legacy, navigating death and divorce, and what’s holding you back when it comes to money. Through expert insights and personal reflections, you’ll get the information we were never taught in school - but should have. New episodes drop each week. So, tune in and hit subscribe and start building the financial future you truly own. Because... Your Money Matters.Copyright 2025 All rights reserved. Economia Finanza personale
Episodi
  • 76 “Who Can Afford to Die?” A Mum With a Terminal Illness on Her Lessons on Life Insurance, Super and Planning Ahead

    76 “Who Can Afford to Die?” A Mum With a Terminal Illness on Her Lessons on Life Insurance, Super and Planning Ahead
    Oct 18 2026
    In 2023, Kristy Parker was 28, a mum of three young children, and building a career she’d worked hard for when she was diagnosed with motor neurone disease (MND). Three years on, she sits down with Naomi to share her story, from the first sore wrist to the diagnosis, what life and money look like for her family now, and the lessons she wants every one of us to hear. This is a money podcast, and Kristy’s story touches on almost everything we talk about here: insurance, super, emergency savings, estate planning and being prepared for the unexpected. It’s also a story about a mum, a family, a supportive employer and the kindness of strangers. Parts of it are hard to hear, and it’s full of love, honesty and practical lessons for every one of us, whatever our age. In this episode:
    • The reality of MND
    • Why life insurance inside her super was so important
    • The impact of non-disclosure, and her advice: “Tell them everything”
    • Why she hopes your insurance turns out to be a waste of money
    • The birthday cards she has written for her children up to their 21st birthdays
    • The day a stranger surprised her in a chemist, and the generosity of people she has never met
    Support Kristy and her family Kristy’s GoFundMe: https://www.gofundme.com/f/kristys-mnd-fight-and-memories TikTok: @kribiu Instagram: https://www.instagram.com/kristy.michelle/ Watch The Fading Symphony MND Australia’s 2015 campaign with Tim Minchin and the Sydney Symphony Orchestra: https://www.youtube.com/watch?v=jr9f1pfib_8 If this episode brings up big feelings, support is available:
    • MND Info Line: 1800 777 175 (information and support for people living with MND, their families and carers)
    • Lifeline: 13 11 14 (24 hours a day, 7 days a week)
    If Kristy’s story moved you, please share this episode with someone you love: your sister, your mum, your daughter, your bestie. It might be the nudge they need to check their insurance, sort their will, or finally book that doctor’s appointment. This episode contains general information only and does not take into account your personal objectives, financial situation or needs. It is not financial product advice, or medical or psychological advice. Kristy is sharing her own personal experience, and nothing in this episode is a comment on any particular insurer or a recommendation of any financial product. Before acting on anything discussed, consider whether it’s appropriate for your circumstances and seek advice from a qualified professional. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, AFSL 557729.
    Mostra di più Mostra meno
    1 ora e 4 min
  • 75 I’ve Left It Too Late and I Don’t Have Enough Super. Is That True?

    75 I’ve Left It Too Late and I Don’t Have Enough Super. Is That True?
    Oct 11 2026
    Is it too late to save for retirement in your 50s or 60s? For most women, the answer is no. You may not need nearly as much super as you think, and the next 10 years can make a much bigger difference than you’d expect. “I’ve left it too late” and “I’m never going to have enough” are two of the most common things Naomi and Helene hear from women in the Her Money Matters community. In this episode, Naomi and Helene tackle both fears head on. They look at the real numbers, and at the mindset that keeps so many women from even looking at their super. You’ll meet three women at three different stages:
    • Kate, 49, is recently divorced with two kids. She has $80,000 in super and $320,000 from her property settlement. Should she buy a home or focus on super?
    • Jo, 52, has run her own small business for 14 years and has barely paid herself any super.
    • Linda, 60, is convinced she’s out of time and will “have to work until she drops.”
    Kate, Jo and Linda are illustrative examples created for this episode, not real clients. In this episode we cover:
    • Why the $1 million retirement figure is a myth, and what ASFA says you actually need
    • How the Age Pension, your home and your super work together
    • Why owning your home is one of the biggest factors in a secure retirement for women
    • Catch-up strategies, including salary sacrifice, personal deductible contributions and carry-forward contributions
    • What small business owners and sole traders need to know about paying themselves super
    • How child support and Family Tax Benefit can help after divorce, and why they come with a use-by date
    • Your 10(ish) year retirement countdown: what to do at 10 years out, 5 years out and in the final 1 to 2 years
    • The ostrich effect, fresh starts and future-self thinking, plus why avoiding your super makes the fear bigger
    • Five rapid-fire retirement myths, busted
    Key numbers from the episode:
    • Only 41% of Australian women feel financially confident about retirement, compared with 59% of men. 73% of women worry they won’t have enough super (AMP, 2025).
    • The median super balance for women aged 60 to 64 is $174,655, about 26% less than men the same age (ASFA, August 2026).
    • 42% of Australians think they need more than $1 million to retire comfortably. ASFA’s comfortable figure is about $630,000 for a single person and $730,000 for a couple.
    • 94% of Australians who retired in the past five years did so with less than $1 million in super (AustralianSuper/YouGov, 2025).
    • The full Age Pension for a single person who owns their own home is $1,237.70 a fortnight, about $32,000 a year (from 20 September 2026).
    So send this episode to your sister, your best friend or the colleague who has ever said “I’ve left it too late.” She deserves to know the story isn’t finished yet. Important information This episode contains general information only and does not take into account your personal objectives, financial situation or needs. It is not financial product advice, and it is not medical, psychological or therapeutic advice. Before acting on anything discussed, consider whether it’s appropriate for your circumstances and seek advice from a qualified professional. NGS Super is a sponsor of this episode. Sponsorship does not influence the general information shared, and nothing in this episode is a recommendation of NGS Super or any other super fund. The case studies in this episode are illustrative examples, not real people. Projections assume a return of 7% a year after fees, before inflation which is the 10 year historical performance for a typical ‘default fund’ super performance as at 30 June 2026. They’re simplified examples of how the rules work, not predictions. Investment returns are not guaranteed and will go up and down. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, AFSL 557729.
    Mostra di più Mostra meno
    57 min
  • 74 What Is Ethical Investing? Your Guide to What It Is, How It Works and How To Get Started

    74 What Is Ethical Investing? Your Guide to What It Is, How It Works and How To Get Started
    Oct 4 2026
    What is ethical investing? In a nutshell it means choosing investments based on your personal values and principles, not just the numbers. In practice, that usually works two ways: steering clear of companies involved in things like tobacco, weapons or gambling, and actively choosing to put money into companies doing something you'd stand behind, like renewable energy or healthcare. The goal is to have your money reflect what you actually care about, while still aiming for a solid financial return. In this episode, I'm joined by Leah Willis, Head of Distribution at Australian Ethical. Australian Ethical are a fund manager that's been running ethical investments since 1986, and Leah takes us inside the process: how a universe of investable companies gets screened down, what gets excluded and why, and what's actively chosen instead. Ethical investing in Australia now sits at roughly $1.6 trillion, so if you are interested in looking at how you can invest your money so it is not doing harm this episode will provide you all the information you need to better understand it. In this episode:
    • What ethical investing actually means
    • How Australian Ethical builds its investment universe
    • The two-step process: the ethical screen, then the financial screen
    • Real case studies:
      • Mining
      • Alcohol, tobacco and gambling
      • Animal Cruelty
      • AI
    I get a lot of questions about ethical investing so this is a great episode if you are looking to learn more about it. If you would like to learn more about Australian Ethical you can find more information here: https://www.australianethical.com.au/ This episode contains general information only and does not take into account your personal objectives, financial situation or needs. It is not financial product advice, and nothing discussed should be taken as a recommendation to invest in any particular product, including any Australian Ethical fund. Before acting on anything discussed, consider whether it's appropriate for your circumstances and seek advice from a qualified professional. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, Australian Financial Services Licence 557729. This episode is not sponsored — Leah Willis appears as a guest expert and discusses her employer's process and products because it's her area of expertise; this affiliation is disclosed here in the interest of transparency. Past performance is not a reliable indicator of future performance. Performance figures discussed are sourced from Australian Ethical's own published fund commentary.
    Mostra di più Mostra meno
    49 min
adbl_web_anon_alc_button_suppression_t1
Ancora nessuna recensione