Over the next two decades, trillions of dollars will move from one generation to the next, and women will be at the centre of it. From inheritances and divorce settlements to entrepreneurship and family wealth, women are increasingly stepping into the role of financial decision-maker.

In this episode, I’m joined by Maria Lykouras, former CEO of JBWere and the force behind the Growth of Women and Wealth white paper. Together, we explore what this historic shift means for women, families, and the generations to come. We unpack the “eldest-daughter effect,” the rise of the Bank of Mum and Dad, why self-education is so important, and the three key things every woman should do to be ready when money flows her way.

Maria has chosen Janet Jackson’s Control as her pop culture pick, which is a perfect anthem for women taking ownership of their financial future. Just like Janet, it’s time to say: “I’ve got my own mind, I want to make my own decisions.”

We discuss two white papers that Maria commissioned - here are the links to both.

https://www.jbwere.com.au/content/dam/jbwere/documents/campaigns/JBWere-Growth-of-Women-and-Wealth.pdf

https://www.jbwere.com.au/content/dam/jbwere/documents/campaigns/JBWere-Bequest-Report.pdf

Tune in and discover how to prepare, where to start, and why having the right information will build your confidence to prepare you for when the time comes.

Retirement isn’t just about stepping away from work: it’s about designing the LIFE you want to live.

So much of preparing for retirement is about the financial preparation, however there is arguably a more important aspect - the emotional or psychological transition. In this episode of Her Money Matters, Naomi Holmes and Helene explore what it really means to design your retirement life, drawing on Naomi’s four-step LIFE framework. Inspired by David Bowie’s Ch-ch-ch-changes and that retirement is one of the most significant events in a person’s life, this conversation dives into the non-financial side of retirement.

The LIFE framework breaks retirement design into four steps:

• L – Lifestyle & Wellbeing: Creating daily routines that support the life you want, while prioritising health as your real wealth.

• I – Identity & Purpose: Exploring your ‘who-ness', and finding the “why” that makes this next chapter meaningful.

• F – Financial & Security: We don’t unpack this piece in today’s episode, but it’s part of the bigger picture, the element of knowing your resources are secure so you can live with confidence.

• E – Engagement (Social & Relationships): Staying connected through friendships, community, and family, because your relationships matter just as much as your retirement plan.

Together, Naomi and Helene share insights, examples, and practical ways to start preparing 1–2 years before retirement. You will have everything you need to know so that when the time comes, you are completely prepared and ready to jump into retirement with open arms.

Saving money often feels impossible — like MC Hammer says, “Can’t touch this.” But what if $10,000 in a year wasn’t a dream, but a plan?

In this episode of Her Money Matters, Naomi breaks down the psychology of why saving is so hard — why our brains crave instant rewards, why we avoid long-term goals, and how to flip the script by linking your savings to your values. Because when your goals align with what really matters — security, family, freedom, adventure — saving suddenly feels worth it.

Naomi then counts down 10 practical, bite-sized ways to save $1,000 each, from switching mortgages and shopping around your insurance, to meal planning, packing lunch, and even side hustles you can start tomorrow. Ten steps, $1,000 at a time, adds up to your $10K year — and to more choices, more confidence, and more freedom with your money.

What you’ll learn in this episode:

• Why saving feels so hard (and how to change that mindset).

• How to tie savings goals to your personal values.

• 10 practical, real-world strategies to save $1,000 each.

• How small, consistent steps lead to big wealth over time.

Saving $10K isn’t untouchable. You can touch this.

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Share this episode with a friend — because your money matters, your future matters, and you matter.