• 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

• 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)

• 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.”

• 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

• 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).

• 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

This is part one of a two-part series focusing on Family and Domestic Violence. Did you know that 27% of Australian women over the age of 15 have experienced violence, emotional abuse or economic abuse from a partner which represents 1 in 4 women. Breaking that down a little further,

• 17% (1.7 million) who have experienced partner violence (physical and/or sexual)
• 23% (2.3 million) who have experienced partner emotional abuse
• 16% (1.6 million) who have experienced partner economic abuse

This means that women that have been subjected to this type of abuse are sitting in our friendship groups, our workplaces, and very likely, listening to this podcast right now. This is a highly sensitive, multi-faceted and complex area, and the women that are victims may or may not recognise what is happening. Physical abuse is obvious and abhorrent, however the more coercive types of abuse such as emotional, technological and financial abuse may be more subtle and patterns from the perpetrator may evolve over time.

• The four faces of abuse — coercive control, financial abuse, tech-facilitated abuse and physical abuse, and how they often show up together rather than as one clean category
• Why safety planning comes before legal strategy — including the doubt so many women feel ("is this even serious enough?") and how Stockholm syndrome makes it harder to see clearly
• Why leaving is actually the most dangerous moment, and what that means for safety planning
• What the law says about children who witness violence against a parent — and why "staying for the kids" isn't the protection it can feel like
• Why trauma changes the way victims tell their own story — and why inconsistency or minimising isn't a red flag

• Website: https://www.oloanfamilylaw.com.au/

• Your Money Story — how your upbringing, education and experiences shaped the way you think about money today
• Your Money Toolkit — building surplus cash flow and making the most of assets, windfalls and inheritances
• Budgeting & Cash Flow — the four things everyone should know: what you earn, spend, own and owe
• Debt & Investing — mortgages, interest rates, and the fundamentals of investing (asset classes, risk, diversification, compound interest and more)
• Tax & Super — the basics of income tax, CGT, and the six things you need to know about your super
• Retirement Planning — moving from super to pension, understanding Centrelink and the age pension, and working out how much you actually need
• Families & Legacies — the sandwich generation, the bank of mum and dad, ageing parents, insurance and estate planning
• Pulling It All Together — writing your plan and deciding how to allocate your resources to reach your goals

• The early signs of dementia families to look out for
• Why a dementia diagnosis can take years, and why getting one matters
• How to register for My Aged Care, and what Louise's team actually helps with
• What to weigh up when choosing an aged care facility — care needs, location and affordability
• Why carer isolation is so common, and where to find real support, including dementia cafes
• What the research says about reducing your own risk of dementia
• Louise's new resource for Dementia Action Week, Discussing Dementia [placeholder — confirm cost and availability]

• My Aged Care — 1800 200 422 / myagedcare.gov.au
• Dementia Australia / National Dementia Helpline — 1800 100 500 (24/7) / dementia.org.au

So often we hear "I wish someone had taught me this at school,”. It's the single most common piece of feedback Naomi and Helene hear they are having a bit of fun with this episode and going back to their 21-year-old selves and handing over the six money lessons they wish they'd known sooner: Three from Naomi and three from Helene.

This is a great episode to share with your kids / kidults and to share some of this really important money lessons we all wish we had known much earlier in life.

1. Start saving from your first pay cheque. The habit matters more than the amount. Automate a transfer the day you get paid, even if it starts small — the earlier the habit forms, the less it ever has to compete against a lifestyle that's already grown to fill the gap.

2. Understand what refinancing your mortgage actually resets. Every home loan is front-loaded with interest, and refinancing back to a fresh 25 or 30-year term resets that interest-heavy curve all over again. Naomi explains how to refinance for a better rate without quietly resetting the clock every few years.

3. Start investing early — even in tiny amounts. A micro-investing account lets you build comfort with market movement while the stakes are still small, so investing feels normal well before you have "real money" to put in.

4. Compound interest is more powerful than it feels when you're young. You don't need a meaningful amount to start — the magic is in the time, not the size of the deposit. Helene's advice: start absurdly small and let time do the rest.\

5. Super is the one she wishes she'd paid attention to sooner. Helene shares that she wished someone had talked to her about the importance of super so much earlier. Super became compulsory in 1992 and had she paid attention to it all the way back then, she would have been in a significantly stronger position today.

6. Budgeting is a habit worth building early. For Helene, budgeting is about information: knowing where your money actually goes, so you get to make decisions on purpose. Building that habit young means you get take make the most of that information much earlier in life.

This episode is sponsored by NGS Super. Sponsorship does not influence the general information shared in this episode, and nothing discussed should be taken as a recommendation of any NGS Super product or service. This content is general information only and does not take into account your personal objectives, financial situation or needs — it is not financial product advice. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, AFSL 557729. Past performance in not an indicator of future performance.

Is your trust still worth having? That's the question Naomi puts to Justine Wilson, Director at Altus Financial, in this deep dive into two of the biggest changes to come out of the May 2026 Federal Budget — the proposed 30% minimum tax on discretionary trusts, and the change to how capital gains tax is calculated on assets you already own.

Naomi and Justine get into who these changes were designed to target, and who is actually likely to feel them. If you have a trust, you're thinking about setting one up, or you just want to understand what's settled law versus what's still just a proposal, this episode is your plain-English guide.

• Whether a discretionary trust is still worth having, and who is genuinely affected by the proposed minimum tax
• Why the classic "bucket company" strategy is effectively ending
• The proposed three-year window to restructure out of a trust, and why state stamp duty could still get in the way
• What the CGT cost base indexation change (already law, from 1 July 2027) means for assets you already hold
• Why you don't need to panic and get everything valued by 30 June 2027

Justine Wilson is the Director of Altus Financial, where she works with clients on structuring, tax and asset protection decisions — including whether a trust is the right vehicle for their circumstances. Justine has been closely following the development of the 2026 Budget trust and CGT measures as they move through consultation.

You can find Justine at justine.wilson@altusfinancial.com.au, and https://www.altusfinancial.com.au/.

If this episode helped make sense of what's actually changing — and what isn't — the best thing you can do is leave a review wherever you listen. It takes less than two minutes and helps more women find this show.

And if you know someone who's been asking "should I still have a trust?", send them this episode.

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. 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.

This episode is sponsored by Global X ETFs. Sponsorship does not influence the general information shared in this episode, and nothing discussed should be taken as a recommendation of any Global X product or service.

A note on legislative status: the negative gearing and CGT cost base indexation changes discussed in this episode passed Parliament and received royal assent on 25 June 2026 as the Treasury Laws Amendment (Tax Reform No. 1) Act 2026 — these are now law. The proposed 30% minimum tax on discretionary trusts is a separate measure from the same Budget that has not yet been legislated — Treasury's consultation process closed 31 July 2026 and exposure draft legislation has not yet been released. Everything discussed about trusts in this episode reflects the current best-available information at time of recording and is subject to change.