The Broke Generation

It's that time of year again! Join me as I rattle through 26 goals for 2026, in the realms of money, business, health, and happiness. ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

 Welcome to the annual TBG end of year guided money reflection! Grab your notebooks, pour yourself something tasty, and buckle in for a series of reflective questions about your year in money. Want more? Dive deeper with my two part workshop series, Reflect & Reset, available instantly on demand, with a Money on a Page worksheet to complete between sessions. https://thebrokegeneration.com/product/reflect-reset-2025/ Thank you so much for being a part of the podcast this year, I appreciate you SO much! Here's to 2026. ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

It's that time of year! Join me as I review my 25 goals I set for 2025 and cover off which ones I achieved, which ones I didn't, and what I learned along the way. Mentioned in this episode:  The spending trap of thrifting: https://open.spotify.com/episode/1ytJRW47lzqxfzWJT9x1SG?si=3A7SSXmySauLAPH95zz8CA ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this episode I'm joined by Tash Etschmann (@tashinvests) for a chat about all things POINTS! We unpack everything from Qantas versus Velocity for frequent flyer points, Everyday Rewards vs FlyBuys, and other programs that offer added benefits.  Join me as an Everyday Extra gal here: https://rewards.app.link/wc7wWEYYoOb ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.  See omnystudio.com/listener for privacy information.

We're back again with another week in our wallets brought to you by PocketSmith. This week Victoria galivants around Japan while Emma has a low key week of hustling. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan.See omnystudio.com/listener for privacy information.

In this episode I'm joined by Kim Heironymous, education manager at AustralianSuper, to talk all things superannuation and how to get engaged with your superfund for the benefit of your future self. Highlights: Understanding how super contributions work How you can make up for years of low/no super How spousal splitting and co-contributions can help you level the super playing field in your relationship The impact of small additional contributions Small ways you can take steps towards a better retirement Take your Super Snapshot here to see how you’re tracking! - Disclaimers: If you’re considering making a decision about AustralianSuper, please read the relevant PDS and TMD available at www.australiansuper.com. Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super. Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. AustralianSuper modelling projections show a high school graduate who starts their retail career at 18yo and earns 12% SG on their Ordinary Times Earnings (OTE) of $56,000 throughout their working life can expect a balance of $556,000 when they retire at 67. At 20yo, they change their investment option from Balanced to High Growth. They continue to earn 12% SG on their OTE of $56,000 throughout their working life. By changing their investment option, they can now expect a balance of $641,000 when they retire at 67 – that’s $85,000 more than if they hadn’t taken action. The projection is only an estimate and isn’t a guarantee. The actual benefits you receive will depend on a range of factors including future economic conditions, investment performance and legislative change. Assumptions: Calculations at September 2025. Salary as per General Retail Industry Award (Retail Employee Level 4) 1 at 25 June 2025. Salary indexed at 3.5% pa. AustralianSuper administration fees of $1 pw and 0.10% of account balance (capped at $350 pa) and AustralianSuper average insurance costs of $450 p.a. Assumes member will receive a tax benefit of 15% on any administration fees and any insurance fees deducted directly from the account. Investment returns projected over the working lifetime are 6.5% p.a. for the Balanced option and 7.0% p.a. for the High Growth option, net of fees and applicable taxes. SG contributions are 12% pa from 1 July 2025. Assumes member works full-time throughout the projection period with no career breaks. See omnystudio.com/listener for privacy information.

Welcome back to another episode of A Week In Our Wallets, this time brought to you by our fabulous friends at PocketSmith! Head to www.pocketsmith.com/thebrokegeneration to try PocketSmith for yourself. See omnystudio.com/listener for privacy information.

Welcome back to things you'll thank yourself for in 10 years. If you haven't listened to part one yet, go and do so. This week I'm diving into more small things you can do for your life, health and finances that you'll thank yourself for in the future. Share this with someone you think will enjoy it!  See omnystudio.com/listener for privacy information.

Welcome to the annual Black Friday episode where I take you through my observations on the sales sentiment this year, comb through retail reports on what the industry is seeing, and of course, leave you with my top tips, mindsets to embrace and traps to avoid to ensure you're happy with your spending by the end of it all! See omnystudio.com/listener for privacy information.

It's officially release day for The Wardrobe Project (in Australia, anyway!). Rest of world, you're only about a week or so away! In this special release day episode I take you through a bit about the writing process, my 5 favourite things about the book, and a sneak peek reading of a few pages. Get your tickets to one of the launch events below – I can't wait to see you! Melbourne: https://www.trybooking.com/events/landing/1496871 Sydney: https://www.trybooking.com/events/landing/1489984 Order your copy! Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  UK: https://shorturl.at/fKH5O  Non-Amazon UK: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  Or Google search "The Wardrobe Project by Emma Edwards" in your region for local results.  See omnystudio.com/listener for privacy information.