If you've ever stared at your HECS-HELP debt and thought, “Should I just pay this off now or use that money to invest instead?” this episode is for you.

In this juicy and jargon-free chat, Molly sits down with financial adviser and podcast host Jess Brady to unpack everything you need to know about your student loan (aka HECS or HELP) in 2025. With indexation rates changing and cost of living pressures rising, it’s no wonder more Aussies are wondering if this debt deserves more attention.

💥 Here’s what you’ll learn:

• What HECS-HELP debt actually is and how it’s calculated

• Why indexation (that sneaky thing that feels like ‘interest’) can make your debt grow even when you’re making repayments

• The new changes to HECS indexation and how they might help you

• When you start paying it back (and how much you'll need to repay based on your income)

• Whether paying it off early is a smart move -or if your money could work harder for you elsewhere (like investing in shares, saving for a home, or boosting your super)

• How your HECS debt could impact your home loan borrowing power

• Strategies for paying it off smarter (especially if you’re a high-income earner or living overseas)

• Tips on weighing up paying off debt vs investing, and how to align your strategy with your goals

Jess also shares real-world examples, a little tough love, and a few clever hacks to help you make the best decision for your future self -whether you want to be debt-free ASAP or grow your wealth over time.

🧠 Whether you're planning to buy a home, go back to study, move overseas or just want to feel more in control of your finances, this episode breaks it all down.

💌 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/ladiesfc

See omnystudio.com/listener for privacy information.

Money, Menopause, and the Financial Curveballs No One Warns You About

Hot flushes? Sure.
Mood swings? Maybe.
But no one tells you about the career breaks, unexpected medical costs, and retirement gaps that menopause can cause — and how much it can shake up your financial future.

In this powerful Get Rich episode with Molly Benjamin and Peita Diamantidis, Financial Freedom Coach & Financial Adviser, we’re lifting the lid on the hidden money impacts of menopause - from navigating income dips and super shortfalls to the real cost of staying healthy during this phase of life.

Whether you're already in it, approaching it, or just want to future-proof your finances, this conversation will leave you feeling informed, empowered, and ready to take control.

Because when it comes to menopause and money, knowledge isn’t just power — it’s financial security.

To grab the course Peita refers to DM her on Instagram here.

💌 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/ladiesfc

See omnystudio.com/listener for privacy information.

👀 Looking for a new job or eyeing that promotion? Then it’s time to update your CV—and this is a must-listen episode.

We’re joined by CV expert Victoria McLean, who’s reviewed over 250,000 CVs and knows exactly what it takes to stand out in today’s competitive job market.

She spills the tea on the top mistakes that get your CV rejected, how to beat the bots scanning your resume, and the best way to talk about career breaks.

🎧 Hit play if you’re ready to land your next role and get rich in the process!

Want our 1-hour CV course? You'll learn how to stand out in today's competitive job market with a killer CV/Resume that gets you the interview for the job of your dreams. Check it here.

💌 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.

🙏 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/ladiesfc

See omnystudio.com/listener for privacy information.