Most people see insurance as boring, optional, or something they’ll deal with “later”.
But the truth is, insurance is one of the very few things that can completely change the trajectory of your life, not when things are going well, but when they aren’t.

In this episode of Get Rich, Molly Benjamin is joined by insurance advisor Trish Gregory from Hayes & Co Insurance Services, to break down what insurance actually does, the mistakes people don’t realise they’re making, and the real-life moments where having the right cover makes all the difference.

They unpack income protection, life insurance, total and permanent disability (TPD), and trauma insurance, why so many women are underinsured (even when they earn good money), and why waiting until something goes wrong is often the most expensive mistake of all.

Molly also shares why she only updated her own insurance recently, what she assumed was covered through her super, and the moment she realised she was only protected for two years, not decades.

This is a practical, honest conversation about protecting your income, your future, and your choices, before you need to.

In this episode you'll learn:

• The real difference between life insurance, TPD, trauma, and income protection, and what each one actually covers
• Why so many women are dangerously underinsured, even if they earn “good money”
• The most common insurance mistakes people make, and why fixing them later can cost more
• Real-life examples of when insurance becomes life-changing, not just “nice to have”
• How insurance inside super works, and when it’s not enough on its own
  
• When and how to get insurance set up properly, before health or life changes make it harder

If you want to connect with Trish, Click here - https://directory.ladiesfinanceclub.com/listing/trish-gregory/

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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.]

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Private health insurance in Australia can feel confusing, overwhelming, and expensive, especially when you’re not even sure what you’re paying for or what you need.

In this episode of Get Rich, Molly Benjamin is joined by private health insurance expert Kat Day to break down when private health insurance is actually worth it for Australians, and when it genuinely isn’t.

We talk about why so many people are over-insured, how women end up paying for cover they’ll never use, and how insurance premiums quietly creep up year after year without anyone noticing.

In 15mins you’ll learn:

• When private health insurance is worth it and when it’s not
• The difference between hospital cover and extras (and which to prioritise)
• How the Medicare levy surcharge actually works
• Whether it’s cheaper to pay the levy or take out private cover
• Why being on “gold” doesn’t mean better service
• How often you should be reviewing your policy
• The most common ways Australians overpay for health insurance
• Why switching providers won’t reset your waiting periods
• What ambulance cover actually looks like state by state
  
  

This is a practical, no-jargon episode designed to help you make smarter decisions, save money, and finally understand your private health insurance. Need to review yours? Click here. https://calendly.com/d/cn5c-63k-ggq/switch-save-on-health-insurance-expert-review

General information only. This episode does not constitute financial advice. Always consider your personal circumstances.

💌 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

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.

In this episode of Get Rich, Molly Benjamin sits down with finance journalist and creator Chris Kohler (700k+ on Instagram) to unpack the sneaky ways Australians lose money without even noticing. Based on Chris’s book How They Get You, this chat covers the everyday “money traps” hiding in plain sight, from subscription creep and food delivery markups, to loyalty programs that don’t truly reward you, drip pricing, and the psychology of tap-and-go spending.

You’ll learn how modern payments and marketing are designed to make spending feel painless, why “being loyal” can cost you more, and what small habits quietly blow up your budget over time. Chris also shares his simple “Hell Day” strategy, a practical system for negotiating bills and cutting recurring costs in one focused hit.

If you want to feel more confident, more in control, and way harder for companies to “get”, this episode is a must-listen.

PS – I get asked constantly for a good mortgage broker or financial adviser, so we finally did something about it.

We’ve just launched our new directory of trusted, vetted financial professionals we genuinely recommend.

It’s live now you’ll find the link here 👉 https://directory.ladiesfinanceclub.com/

💌 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

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.

If money feels like it’s constantly slipping through your fingers - this episode is for you.

This week on the Get Rich podcast, I chat with Profit Coach Clare Wood about her simple but powerful money system that takes just 15 minutes a week.

Clare shares:
🧾 How to run a Monday Money Meeting to stay on top of your cash flow
💑 Why she and her husband do Friday Money Dates (and how to make them fun!)
📊 The monthly review that helps her grow wealth - not stress
🚀 How to start a side hustle without a website, logo, or fancy plan

She’s proof that when you treat your money like a business, everything changes.

Clare Wood’s simple cash-flow system, Friday money dates, and monthly reviews for real-life results

💌 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

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.

Divorce and separation in your 40s can feel overwhelming, emotional, and financially terrifying, especially if you’ve spent years prioritising your family, your partner, or their career over your own. In Australia, the average age women are divorcing is around 44 years old, yet so many women reach this moment feeling unprepared and unsure of their legal and financial rights.

In this episode of Get Rich, Molly Benjamin is joined by Australian family lawyer Samantha Lewis to unpack what women actually need to know before separating, legally, financially, and emotionally.

We cover the biggest myths women believe about divorce, why “just wanting things to be fair” can quietly leave you financially worse off, and the critical mistakes many women make in the first few weeks after separation.

You’ll learn:

• How separating in your 40s is legally and financially different from your 20s or 30s
• Why it doesn’t matter whose name assets, property, or superannuation are in
• How non-financial contributions, like raising children or supporting a partner’s career, are treated under Australian family law
• What to do before money or assets start disappearing
• Why superannuation is often one of the biggest assets in a separation
• How women can fund legal advice, even if they don’t currently have access to money
• The one-year deadline after divorce that could cost you everything if you miss it
• Why it’s never too late to start again financially, even in your 40s or 50s
  
  

This is an empowering, practical conversation for Australian women who are separated, divorcing, thinking about leaving, or supporting a friend who is. It’s not about fear, it’s about clarity, confidence, and knowing your rights before you make life-changing decisions.

🎧 Listen with your notes app open, then send this episode to a woman who needs it.

General information only. This episode does not constitute legal or financial advice. Always seek advice specific to your circumstances.

💌 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

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.

Most people think flying business class is a luxury reserved for celebrities, CEOs, or people spending obscene amounts of money.

But what if it’s actually about systems, not status?

I’ve avoided this topic for a long time, mainly because we work with so many women who are actively getting out of credit card debt. So let me be very clear from the start — this conversation is only for people who already have strong control over their money.

Because when credit cards are used badly, they cost you freedom.
But when they’re used strategically, they can give it back.

In this episode, I’m joined by Steve Hui, founder of iFlyFlat, who hasn’t paid for a flight in over a decade.

We talk about how points actually work, why most people use them backwards, and how to think about credit cards as a payment system, not debt.

This isn’t about spending more.
It’s about using what you already spend… better.

If you love travel, hate wasting money, and want to understand the rules before you play the game, this episode will completely change how you think about points.

💌 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

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.

We talk a lot on Get Rich about how to prevent a financial crisis, building buffers, having the right insurance, and not leaving things until it’s too late.

In this episode, we apply that same thinking to something just as important: your health.

Because a medical crisis doesn’t just affect your body, it can impact your income, savings, super, career, and long-term financial security.

Molly is joined by women’s health GP Joanne Helen Mackson to create a practical, decade-by-decade health checklist for Australian women in their 30s, 40s and 50s, covering what to screen for, what symptoms to take seriously, and how to advocate for yourself in a system that hasn’t always been built with women in mind.

In this episode, we cover:

• What health checks actually matter in your 30s, including cervical screening, skin checks, fertility conversations, mental health, and when period pain isn’t normal
• What changes in your 40s, including the Medicare 45+ Health Assessment, perimenopause symptoms, bowel cancer screening from 45, and breast screening decisions
• What to prioritise in your 50s, including mammograms, bowel screening, bone health, heart health, and chronic disease prevention
• Why women often need to push harder for answers, and how to do that effectively
• How prevention is one of the smartest financial and life investments you can make

This is the episode to listen to with your notes app open, then book the check-ups you’ve been putting off, and send to a friend who needs it too.

General information only. Always speak with your GP or healthcare professional about what’s right for you.

Health is wealth, and this episode shows you how to protect both.

💌 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

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.

It’s the start of a new year, which makes it the perfect time to reset your money, without the unrealistic January pressure.

We’re not talking extreme budgeting, never ordering Uber Eats again, or building the world’s most perfect spreadsheet.

In this episode, I’m joined by Gemma Mitchell to walk you through a simple, step-by-step money stocktake that gives you clarity, not guilt.

We cover how to:
✔️ Reset your money after life changes (or that quiet “something’s off” feeling)
✔️ Figure out exactly where you’re at, without overwhelm
✔️ Build realistic habits you can actually stick to past February

This is a calm, practical reset designed for real life, not perfection.

🎧 If you want your money to feel clearer, calmer, and more aligned in 2026, this episode is your starting point.

💌 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/ladiesfc

See omnystudio.com/listener for privacy information.