Ladies Finance Club - Get Rich

Think budgeting is complicated? Glen James says there are only two types of budgets you’ll ever need and knowing the difference could change your financial life. In this episode of Get Rich, host Molly Benjamin sits down with Glen James, creator of the Glen James Spending Plan and host of the My Millennial Money podcast, to break down top-down vs bottom-up budgeting in a way that’s simple, practical, and actually works in real life. Whether you’re living week-to-week, trying to pay off debt, or saving for your first home, you’ll learn: The two types of budgets explained and which one works best depending on your stage of life How the bottom-up budgeting method works and why it’s perfect for people with existing expenses and commitments How to set up a weekly spending plan that covers bills, goals, and fun money (without the guilt) The 4 levers to pull when your budget isn’t working - including how to cut costs without feeling deprived Why habits matter more than spreadsheets when it comes to sticking to a budget long-term Common budgeting mistakes and myths and how to avoid them If you’ve ever searched how to budget, top-down vs bottom-up budgeting, or how to create a spending plan, this episode will give you a clear framework you can start using today.   💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

How do you know if it’s the right time to get a financial advisor and more importantly, how do you find one you can actually trust? In this episode of Get Rich, host Molly Benjamin chats with Lexi Smith from Wealth Maximizer https://wealthmaximizer.com.au to demystify the world of financial advice in Australia. Whether you’re wondering if you should see a financial advisor, hire a money coach, or handle things yourself, this episode will help you make an informed choice. We cover: The difference between a financial advisor, a money coach, and a financial planner - and when to see each one The red flags when choosing a financial advisor (spoiler: if they promise “guaranteed returns,” run!) How much financial advice really costs in Australia - and the more affordable alternatives available Why so many Australians aren’t getting advice (and how this can impact your wealth) How Wealth Maximizer’s hybrid financial advice model works - combining professional licensed advice with an affordable, online-first approach Who should consider a traditional advisor vs. a digital-first service If you’ve ever asked yourself, “Do I need a financial advisor?”, “How do I choose the right financial planner in Australia?”, or “What are the warning signs of a bad advisor?” - this episode is packed with practical tips, must-ask questions, and insider knowledge to help you protect your money and your future. 🔍 Links & Resources:Wealth Maximizer — Use code LFC (all caps) for 20% off all plans, T&Cs apply, expires 30 Sept 2025 https://www.wealthmaximiser.com.au/Check the ASIC Financial Advisers Register - Verify your advisor is licensed https://moneysmart.gov.au/financial-advice/financial-advisers-registerNational Debt Helpline - Free support for Australians in financial hardship https://ndh.org.au/   💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Interest rates have just been cut - so what does that mean for property prices in 2025? In this episode, Molly Benjamin is joined by property expert Arjun Paliwal (InvestorKit) to break down the latest housing market update. From rising regional hot spots to whether it’s a buyer’s or seller’s market, this is your essential property investing guide for 2025. Here’s what you’ll learn:🏡 How interest rate cuts are shaping property prices (and why it’s not always straightforward)📊 Buyers vs sellers: which markets are heating up and which still favour buyers🌏 Best places to buy property in Australia right now (Queensland, WA, and surprising regional towns)💡 Whether to turn your first home into an investment property or sell and upgrade📈 Why market sentiment and sales activity matter just as much as borrowing capacity💰 What property investors should do before buying or selling in 2025 Whether you’re a first-time buyer, upgrading your home, or building a property portfolio, this episode gives you the data-driven insights to make smarter property decisions in 2025.   💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Pregnant or planning a family? Wondering how much a baby really costs and how to budget for it?In this episode of Get Rich, we share practical, real-world money tips for first-time mums, expecting parents, and anyone preparing for life with a newborn. Molly Benjamin is joined by financial advisor Jayde Jenkins and soon-to-be mum Ash Cam to unpack the true cost of having a baby in Australia and how to get financially ready — without the overwhelm. We cover:✅ How to budget for a baby and create a baby emergency fund✅  Maternity leave money tips — including how to protect your superannuation✅  Public vs private birth costs (and what’s often left out of the budget)✅  The hidden expenses of newborn essentials and pregnancy care✅  Childcare costs, subsidies, and why you need to join waitlists early✅  Key pre-baby life admin: wills, insurance, joint accounts✅ How to start saving or investing for your child’s future Whether you’re an expecting parent or just starting to plan, this episode will help you prepare your finances, avoid common mistakes, and feel confident about your money before your baby arrives.   💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Thinking about getting married, moving in with your partner, or protecting your assets? In this episode, family lawyer Carolina from Lander & Rogers joins Molly to explain the legal and financial steps every Australian should know before they say “I do”. You’ll learn:✅ What is a de facto relationship in Australia (and why the 2-year rule is a myth)✅ How binding financial agreements (prenups) work in Australia and when you should consider one✅ Costs of a prenup in Australia and how to avoid common mistakes✅ How to protect your assets when moving in with a partner✅ Why pet ownership is now recognised in Australian family law✅ Signs your partner may be hiding assets✅ Whether you need to be on the property title when buying together✅ Why “handshake” or “back of the napkin” agreements don’t stand up in court If you’re building wealth, expecting an inheritance, or want to safeguard your finances, this episode will give you practical tips, legal insights, and conversation starters to protect yourself before tying the knot or starting a life together. Moving in or getting married? Listen to this first   💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

She’s back! Finance educator and budgeting queen Queenie Tan joins Molly to talk about her brand-new book The Fun Finance Formula and why making money fun is the secret sauce to actually sticking to a budget. In this episode, we deep-dive into how Queenie manages her money (spoiler: it’s not spreadsheets), how she built the app BillRoo to simplify budgeting, and why most people are doing budgeting backwards. Perfect for corporate millennials juggling careers, bills, babies (or fur babies), and a million tabs open in their brain—this episode breaks down: The 4 types of money and how to shift into “fun & skilled” money A step-by-step guide to setting up a budget that actually works Tools and apps (including AI!) that make money management easier How to have regular money check-ins with your partner (without killing the vibe) Tips to stay motivated without guilt or shame Whether you’re saving for a home, planning a wedding, or just tired of wondering where your paycheque went - this episode will get you organised, inspired, and ready to take control of your money.  Listen now and grab Queenie’s new book anywhere you buy your reads (or listens)!   💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Thinking about divorce or separation? Or maybe you’re already in it and feeling overwhelmed? In this episode of Get Rich, Molly chats with Chloe Rattray from Lander & Rogers, one of Australia’s leading family lawyers, to break down the divorce and separation process in clear, simple steps. We cover: ✅  The first legal steps to take when separating✅ What’s considered joint property (spoiler: it includes super and trusts)✅  How property settlements work and what to avoid✅  What happens if one partner hides assets or refuses to cooperate✅  The difference between divorce and de facto relationships✅ How child support and custody are handled✅  The biggest mistakes women make during a split Whether you’re considering separation, already in the thick of it, or supporting a friend through it — this episode is full of insights every woman should know.   💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Wondering where the Australian property market is heading? In this episode of Get Rich, Molly Benjamin is joined by Arjun Paliwal, Director and Head of Research at InvestorKit, to break down the latest property trends.  Whether your borrowing power is $500k or $1 million, Arjun shares smart strategies, property hotspots, and common mistakes first-time investors make (especially women!). They also dive into how to build a winning team, the power of frameworks, and a real story of a first-time investor who turned one property into four — and built over $1 million in equity. If you're ready to buy but feel stuck, this episode is your sign to take action. 🔑 Topics covered:✅ Australian property market update (July 2025)✅ Where to buy with $500k vs $1 million✅ Property investing mistakes to avoid✅ Frameworks to help you take action✅ How to build your investment team✅ Inspirational success story from a first-time female investor 🎧 Tune in for expert tips and real talk about property investing in Australia — and why now might be your time to get started. 💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here. Are we friends on Instagram? Follow us here.  🙏 A big thank you to our sponsor, InvestorKit! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Want to raise kids who are smart with money? Not sure when—or how—to start teaching your child about saving, spending, or investing? In this episode of Get Rich, host Molly Benjamin sits down with Ana Kresina—financial educator and author of Kids Ain’t Cheap—to unpack how to raise financially confident, capable kids. From toddler tantrums in the supermarket to teenagers navigating their first paychecks, we cover it all. You’ll learn:✔️ The #1 mistake most parents make when it comes to money✔️ How to teach toddlers the difference between wants vs. needs✔️ Pocket money tips (and how to avoid reinforcing the gender pay gap)✔️ Easy ways to explain investing and taxes to teens✔️ Why letting your kids make money mistakes is actually a good thing 💡 P.S. If you're interested in setting up an investment account for your kids, check out our earlier episode: “5 Ways to Invest for Your Kids and Avoid the Tax Traps with Daisy Magor” – it's a perfect companion to this one! Whether you're a parent, guardian, aunty, uncle—or just want to break the cycle of generational money stress—this episode will give you the tools to start the conversation early and make it stick. 👉 Listen now and raise the next generation of money-savvy humans. 💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here. Are we friends on Instagram? Follow us here.  🙏 A big thank you to our sponsor, InvestorKit! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Want to live where you love and build a property portfolio? This week on Get Rich, Molly Benjamin chats with James from InvestorKit to unpack the growing trend of rentvesting - renting where you want to live while investing where you can afford. James shares how he turned a $40K deposit into a booming portfolio, what to know before using equity to buy your next property, and the biggest mistakes first-time investors make (hint: don’t take advice from your mum). You’ll learn:✅ What rentvesting is and why it's growing in Australia✅ How to buy smart - even on a low income✅ The difference between good and bad property debt✅ Strategies to build wealth without compromising your lifestyle Whether you're property-curious or portfolio-ready, this episode is packed with practical advice to help you take action. 💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here. Are we friends on Instagram? Follow us here.  🙏 A big thank you to our sponsor, InvestorKit! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.