What It Really Costs (And Who Actually Pays For It)

Nobody gives you a straight answer to this question. The baby books don't cover it. Your parents had different costs. And Google will give you a figure so large it either paralyses you or you dismiss it entirely.

In this episode, Hayson and Nikki break down what raising a child actually costs in Australia, including the numbers most people underestimate and have an honest conversation about the career impacts, the superannuation gap, and the financial decisions couples need to make together before the baby arrives.

This isn't about whether you should have children. It's about going in with your eyes open so you can make the transition with clarity, not shock.

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Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional.

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.

What Talking About Money Did To Our Marriage

Two years ago we sat down with a microphone and a question: why aren't couples talking about money? Today, we're marking our second anniversary by turning the lens on ourselves.

In this episode, Nikki and Hayson get personal about why Money Matrimony started, what they've had to unlearn along the way, and the listener stories that have made this community something truly special. They also share what's coming in Year Three — including some episodes they've been too nervous to do until now.

If you've been part of this community from the beginning, this one is for you. And if you're new — welcome. You're in the right place.

• Why money conversations in relationships are still so rare — and what it costs couples when they stay silent
• The misconceptions about money and relationships that Hayson and Nikki have had to revise through making this show
• What listener stories have revealed about the real impact of having these conversations
• The topics coming in Year Three — including the ones that made them nervous

*****Make sure to hit the subscribe button and join the conversation!*****

Follow our socials

Instagram https://www.instagram.com/the.moneymatrimony/

Facebook https://www.facebook.com/themoneymatrimony

Linkedin https://www.linkedin.com/company/the-money-matrimony

Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional.

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.

Inheritance. Ageing parents. Entitlement. Responsibility.

Few family conversations carry more emotion — or more unspoken expectation — than money across generations.

• Should parents leave an inheritance?
• Should children expect one?
• And what happens when ageing parents need financial support later in life?

Most families never clearly talk about these questions.

But silence doesn’t remove expectations.It just hides them.

And hidden expectations around money eventually become pressure, resentment and conflict.

In this episode, we unpack the tension between honour and obligation, provision and entitlement, wisdom and guilt — and what Scripture actually says about legacy, responsibility and family.

Because legacy isn’t just about what money you leave behind.

It’s about the maturity, values and clarity you pass on.

We discuss questions like:

• Should parents leave inheritance to their children?
• Why inheritance should never become an expectation?
• The danger of entitlement across generations?
• What the Bible says about honouring parents financially?
• Supporting ageing parents without destroying your own family stability?
• Why silent expectations fracture marriages and siblings?
• How to have these conversations before crisis forces them

• Don’t build your life assuming money is coming.
• If inheritance comes, receive it with gratitude — not entitlement.
• Raise children who are capable before they are comfortable.
• And honour parents with wisdom, not guilt.
• Because maybe legacy isn’t about how much money moves between generations…
• But about the kind of people we become along the way.

*****Make sure to hit the subscribe button and join the conversation!*****

Follow our socials

Instagram https://www.instagram.com/the.moneymatrimony/

Facebook https://www.facebook.com/themoneymatrimony

Linkedin https://www.linkedin.com/company/the-money-matrimony

Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional.

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.