• What happens to super when your spouse dies in Australia
• Why super does not automatically go through your Will
• Binding death benefit nominations: what they are and why they matter
• Reversionary pensions explained and how they create ongoing income
• The emotional impact of inheriting money and making financial decisions under pressure
• Key conversations to have about super, beneficiaries, and retirement

This is the final episode in our three-part series where we go through end to end how to survive separation and divorce from a financial and emotional stand point.

In Episode 32 of Her Money Matters, we unpacked what to expect emotionally and financially through divorce. In Episode 42 of Her Money Matters, we walked through property settlement and the financial decisions that come with it.

And now… this is the rebuild phase.

This is where things start to shift, and where you begin to find your footing again. This is hopefully where confidence starts to come back and for many women, where dating and repartnering enters the picture bringing both excitement and a whole new layer of financial decisions.

In this episode, Naomi and Helene talk through the emotional and practical realities of life after divorce, from rebuilding your identity and confidence, through to navigating relationships again and avoiding the money mistakes that can come with them.

• Mourning the loss of a relationship, identity and family unit
• Rebuilding confidence and stepping back into your sense of self
• The tension between freedom and fear when making decisions alone
• Guilt, especially around kids, and how it can influence financial choices
• Dating again after divorce and what to expect emotionally
• Repartnering, blended families and the realities behind the scenes
• The financial risks of repartnering, including debt and lack of visibility
• Practical money tips and red flags to watch when entering a new relationship

Take your time. Stay curious about yourself. Stay engaged with your money. And back yourself to make decisions that support the life you’re building next.

This week’s episode is a special one, I am so excited that this is episode 50! How the has flown, especially when I think back to my first recording in June last year and how far the podcast has come since then.

In our conversation for this episode, we focus on the cost of living pressure many households are feeling from multiple angles. Fuel prices have surged, with petrol sitting around $2.50 - $3.50 per litre and pushing even higher in some areas, driven by global supply disruptions and rising oil prices. At the same time, interest rates have continued to rise, with the Reserve Bank of Australia lifting the cash rate multiple times in recent months and the possibility of further increases still on the table.

For homeowners, this is having a very real impact. Higher borrowing costs, rising everyday expenses, and tighter cashflow are becoming part of the day to day reality for many Australians.

In this episode, I sit down with Sharon Bae, Founder of Artemis Finance, to unpack what is happening in the lending market right now: and more importantly, the five key reasons you may want to consider refinancing your mortgage.

• What is driving interest rates and cost of living pressures right now
• How lenders price loans and why loyalty doesn’t always pay
• What happens when fixed rates expire and repayments jump
• How increased equity can unlock better loan options
• When your current loan no longer suits your life
• Using refinancing to simplify and reduce high interest debt

When costs are rising around you, it is easy to absorb it and move on. But your mortgage is one area where a small change can make a meaningful difference. Take the time to review it, ask questions, and explore your options — because the impact can be far bigger than you think.

If this conversation has led you to consider whether refinancing could work in your situation, you can reach out to Sharon Bae via email at Artemis Finance: sharon@artemisfinance.com.au, or via the website: https://artemisfinance.com.au/

Your 60s are a decade where everything starts to shift where for many women we are considering the next phase of life - whatever that looks like - where you potentially have the financial freedom to choose whether or not you continue to work. There are some women who can't wait to retire and head off into the retirement sunset, and others who could think of nothing worse than stopping what they love doing and want to work until they are no longer able.

So in this episode, Naomi and Helene walk through the five things every woman needs to understand about money in her 60s: from accessing your super, to making decisions about work, housing, family, and getting your affairs properly in order.

• Turning 65 and what it unlocks: specifically relating to superannuation. We talk about accessing your super, drawing lump sums, and creating new planning opportunities
• The big question: can you afford to stop working, and do you actually want to, including how much is “enough”
• How income is built in retirement and the different options available to generate income, combining super, Centrelink, employment income, and other assets to create sustainable cashflow
• Housing decisions in your 60s - this is about downsizing, retirement living, or modifying your home, and the financial and lifestyle implications of each
• The realities of ageing parents and inheritances and understanding aged care costs, timing, and the options available for your inheritance
• Getting your “life admin” sorted, including your wills, super nominations, powers of attorney, and making sure your affairs are in order

This stage of life is about making clear, informed decisions that support how you want to live, for this decade as well as the years ahead.

There is a bunch of information in this episode to help you navigate the move from working to either reducing your working hours or retiring completely, so pick one area that is the most relevant to you and focus on that. The future is yours!

• Why it’s not too late and how your 50s still offer a powerful window to strengthen your financial position
• The importance of building your asset base and understanding what you actually have working for you
• Why this is the decade to get serious about reducing debt and improving your financial flexibility
• What “things can get messy” really looks like, including things like menopause, illness, redundancy, divorce, and loss of a partner
• The financial and emotional reality of being part of the sandwich generation

Your 40s are often a decade of everything. Peak earning years, peak spending years, and peak responsibility years, and normally this is all happening at once. You might be raising teenagers, supporting ageing parents, navigating a relationship or separation, and stepping up in your career or business… all while wondering, “Am I actually on track financially?”

This is the decade where money starts to feel different. For many women, this is the point where they realise they’ve been managing life… but haven’t fully stepped into their financial world.

In this episode, Naomi and Helene break down the five things every woman needs to know about money in her 40s, combining real-life experience, practical strategies, and the mindset shifts needed to move from reactive to intentional when it comes to your finances.

In this episode, we cover:

• Why your 40s are one of the most financially demanding decades of your life
• How major life events like divorce, career shifts, and caring responsibilities impact your finances
• The mindset shift from “I’ll deal with it later” to “I’m in the room now”
• The 5 biggest things that women need to know about money in their 40’s
• Each of these tips has practical tips that can be applied to help you apply it
• Your loving kick up the bum — how to pick one area and take action this week

Pick one area from this episode that resonated with you — cashflow, debt, super, kids’ costs, or protection — and take one action this week.

If you’d like help getting clarity and direction with your money, you can reach out: naomi@hermoneymatters.com.au www.hermoneymatters.com.au

In today’s episode, Naomi and Helene are discussing one of the most common questions that gets asked - especially by women in their 40s and 50s.

When you have got to the stage in life when you have some surplus cash every month, the million dollar question is ‘What do I do with this’? Do you focus on paying down your mortgage so you can become debt free sooner, or do you contribute more to your super so it has longer to grow and support you in retirement?

On the surface, both options make sense, however there are many factors to consider including things such as timing, tax, risk, lifestyle, and even how you think and feel about money.

• The key difference between paying down your mortgage (certainty) and contributing to super (growth)

• How tax, interest rates and compounding impact the outcome of each strategy
• The psychology behind the decision — security, control and how we think about risk
• A simple real-life example comparing mortgage reduction versus investing in super
• How to decide where your next dollar should go based on your stage of life and goals

• naomi@hermoneymatters.com.au
• helene@hermindsetmatters.com.au

In this episode, Helene and I dive into something that affects a lot of women when it comes to money, career, and life decisions: and that is Imposter Syndrome.

We explore how Imposter Syndrome shows up in the financial world, everything from negotiating salaries and charging what you’re worth, to investing, building a business, or even just speaking confidently about money. We talk about how prevalent it is and especially with women, and the likely places in life that it will occur.

We drill right down into the psychology of Imposter Syndrome, about why your brain event thinks it needs to do this in the first place, through to tips to reduce the impact.

• What imposter syndrome is and why women are particularly prone to it • The role your subconscious brain plays in fear and self-doubt • How imposter syndrome can hold you back in many ways • How doing the “work” helps build new mental pathways and confidence

We’d love to hear any real stories you have about experiencing Imposter Syndrome, so if you would like to send us your story shoot it through to naomi@hermoneymatters.com.au