• Why retirement planning starts with Future You and the decisions you’re making today
• How to get your 'financial house' in order before thinking about retirement
• Understanding cashflow, income and 'open the front-door costs'
• How lifestyle creep can derail retirement plans
• The key decisions that shape retirement, including housing, surplus cashflow and super

• High school education costs — what families really pay under the public system, Catholic schools, and independent schools, and why high school is often where education becomes a meaningful cashflow decision.

• University costs and HECS-HELP — how much a typical degree costs, how the HECS system works, and the long-term impact of paying upfront versus carrying education debt.

• Helping the next generation — the role parents and grandparents often play in funding education, and how options like education bonds can provide a structured and intentional way to support future learning.

This episode is Part Two of our two-part goal-setting series for 2026, and it’s all about what happens after the inspiration fades. Last week, we talked about why goals matter, the psychology behind them, and how to get clear on what you want through things like vision boards and manifestation. This week, we move into the real work, which is how to stay on track.

Joined by my partner in crime, Helene Psarakis, we unpack the systems, structures and behaviours that actually help goals survive real life. We talk about why motivation isn’t enough, how habits and small steps create momentum, and why accountability can dramatically improve follow-through.

We also dive into the importance of recording and tracking your goals, the role automation can play in reducing friction, and how to set yourself up for consistency rather than perfection. Along the way, we bust the 21-day habit myth, share the research that really matters, and give you practical ways to put all of this into action.

And yes — we bring in a little pop culture fun with I’m So Excited by the Pointer Sisters, because that feeling of excitement doesn’t come from thinking about goals. It comes from knowing you’ve started.

• Why staying on track is harder than setting goals

• The psychology behind habits, small steps and consistency

• How recording and tracking goals increases follow-through

• Why accountability buddies work — and how to use them properly

• The truth about habit formation and the 21-day myth

• How automation removes friction and supports progress

• Practical ways to keep goals alive throughout the year

If you set goals for 2026 and want to actually achieve them, this episode will help you put the right structures in place — without pressure, guilt or unrealistic expectations.

Welcome to the first episode of 2026.

Every January, we dust off the same New Year’s resolution playbook. Do better. Be more disciplined. Finally get your money sorted. And every year, most of those resolutions quietly disappear by the end of January, leaving a familiar mix of frustration and self blame behind.

In this episode, I talk about why that happens, and why it has very little to do with motivation or willpower. Resolutions are usually disconnected from real life, especially for women in their forties, fifties and sixties who are juggling work, family, money, ageing parents and everything else that comes with this stage of life.

We dig into why money resolutions feel particularly heavy, how deeply held beliefs and identity shape behaviour far more than good intentions, and why chasing outcomes without changing how you see yourself rarely leads to lasting change.

From there, the conversation shifts to a different approach.

I break down the science behind manifestation in a practical, no nonsense way, focusing on what actually works. We talk about focus, visualisation and emotion, why clarity matters, and how tools like vision boards and designing your ideal day can help turn intention into action when they are grounded in reality.

This episode is about starting 2026 without the pressure to fix yourself. It is about designing your days with intention, building momentum in a way that feels sustainable, and creating a year that supports the life you actually want to live.

Here is the link to The Wheel Of Life https://cdn.moble.com/w/1847/2293062/file/wheel-of-life-coaching_0c909efaa5323.pdf

As we wrap up 2025, we’re revisiting the episode that resonated more than any other this year - Episode 16: Are You a Spender, Planner or Avoider? The 5 Money Personas and the Limiting Beliefs Holding You Back.

This conversation struck a chord because it helped women see themselves clearly, in the behaviours, habits, and the stories we carry about money. In this episode, we unpack the five core money personas, how they show up in everyday life, and the beliefs that can either support your progress or hold you back.

What really made this episode a standout was the pop-culture reference we used to tie it all together. With Sex and the City as our theme, we explored how Carrie, Charlotte, Miranda and Samantha each represent a different relationship with money, and why recognising yourself in one of them can be surprisingly powerful. It was a heap of fun, and gave language to something many women feel but rarely articulate.

If you’re hearing this for the first time, this episode will help you understand why you make certain money decisions and where small shifts can make a big difference. If you listened earlier in the year, this is a great moment to reflect on what’s changed and what you might want to take with you into 2026.

This is our final episode for 2025. Helene and I will be back in person next week to kick off the first episode of 2026, and we cannot wait to continue the conversation with you.

And please remember… Your Money Matters, Your Future Matters, and You - You Matter.

As we ease into the Christmas break — that magical time where no one knows what day it is and leftovers count as a meal — we’re revisiting one of the most popular episodes of the year.

Coming in as our second most-listened-to episode is Why Super Needs to Be Your Super Hero. And we are not surprised this was one of the most listened to episodes.

Superannuation is one of the most powerful financial tools available to women — yet it’s also one of the most misunderstood. In this replay, Naomi pulls together 20 minutes of the very best moments from the original episode, breaking super down in a way that’s practical, relatable, and actually makes sense.

Using the idea of super as your financial cape, this episode explores why we want super to be the hero of your future — not the villain quietly eroded by fees, poor performance, or neglect. Naomi also challenges listeners to think differently about their super by giving it a superhero identity of its own (hers? Lara Croft — bold, strong, adventurous, and absolutely not here to play small).

• Why super really matters — especially for women

• Why you need to actively care about it (even if retirement feels far away)

• What makes super such a tax-efficient structure

• How much choice you actually have when it comes to your fund

• The different types of contributions you can make

• How and when you can access your super

• And the pop culture tie-in to Bonnie Tyler’s Holding Out for a Hero — because your super really can be exactly that

We’re taking a short festive breather, but Naomi is still around if you need support over the break. And from both Naomi and Helene — thank you for being part of this community.

🎄 Wishing you a very Merry Christmas and a safe, happy festive season. 🎙️ We’ll be back with a brand-new live episode on 5 January.

Because your money matters — and so do you.

If there was ever a time to channel Madonna and belt out Holiday — it would be so nice! — it’s the festive season. Between the Christmas chaos, end-of-year burnout, and the annual migration to beaches, airports, and relatives’ spare rooms, the silly season can be a very expensive time to “celebrate.”

In today’s episode, we’re talking all things festive travel — the real costs, the hidden costs, and the “I did not budget for this!” costs. Whether you're heading up the coast, flying interstate, or just trying to escape your own kitchen, we’re breaking down how to plan, budget, and enjoy your holiday without coming home to a financial hangover.

We are taking a page straight out of Madonna’s book, because if Holiday taught us anything, it’s that taking a break should feel joyful, simple, and liberating — not stressful, guilt-ridden, or funded by a credit card you’ll resent until Easter.

We’ll cover: • Why festive-season expenses creep faster than a heatwave • Clever ways to plan your travel budget (that actually stick) • How to avoid blowing the cost-of-living Christmas budget • Smart money moves for accommodation, transport, food and the sneaky extras • And how to start the new year feeling refreshed — not financially frazzled

So grab an iced latte, put on your favourite summer playlist, and let’s make this year’s holiday feel less like a financial avalanche… and a little more Madonna-level fabulous.

When we think about insurance, most of us picture paperwork, premiums, and things going wrong. But behind every policy is something far more meaningful: real people, real families, and real moments where life suddenly changes, and the right cover becomes the difference between crisis and stability.

In this episode, Naomi sits down with Jacqui Lennon, Chief Technology and Transformation Officer at Zurich Insurance Australia, to explore the deeply personal side of insurance — the part we don’t talk about enough. Jacqui has seen first-hand working with customers at their most vulnerable: illness, injury, loss, recovery, and everything in between. She’s encountered what happens when people do have the right cover… and when they don’t.

Together, they dive into:

• The life moments where insurance steps in and holds things together

• Real client stories that show how a claim can change someone’s path, from medical crises to unexpected life twists

• Why GoFundMe shouldn’t be your financial plan

• The emotional decisions we make about insurance, and why so many women put it off

• What the four major covers — Life, TPD, Trauma, and Income Protection — are actually designed to protect

This episode is all about understanding the heart behind the cover — how insurance supports you when the rest of life feels uncertain, and why building this safety net is one of the most powerful gifts you can give yourself and the people you love.