『My Happy Money Journey: money for mid life women with Phoebe Blamey』のカバーアート

My Happy Money Journey: money for mid life women with Phoebe Blamey

My Happy Money Journey: money for mid life women with Phoebe Blamey

著者： Phoebe Blamey retired financial and mortgage advisor podcaster coach and course creator
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Life changes as we get older. Kids grow up. Parents need care. Divorce, grief, and career curveballs can hit hard and suddenly, by choice or by chance, you’re in the financial driver’s seat.

My Happy Money Journey is the go to money podcast for women over 40 in Australia who are ready to take control of their finances, pay off debt, buy a home, invest build wealth, and live a fabulous life!

Phoebe Blamey is a bestselling author, former award winning financial services business owner turned small business coach. The podcast explores real conversations about money, midlife transitions, financial freedom, and difficult topics like sexually transmitted debt, death, inheritance and spending, all while making money simple, manageable and doable. This is real money talk for real people.

Super qualified Phoebe has a Graduate Certificate in Financial Planning, a Diploma in Mortgage Broking, an MBA, and a Graduate Certificate in Executive Coaching Phoebe brings 20+ years of expertise to help women heal their money stories, make smart financial choices, and thrive in this powerful life stage.

Disclaimer: The information in this podcast is general in nature and does not constitute personal financial advice or recommendations.

Copyright 2024 All rights reserved. マネジメント マネジメント・リーダーシップ 個人ファイナンス 出世 就職活動 経済学
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  • S4 E30 Hold It Like You Own It: How to Invest, Add to Super, and Spot a Scam Before you lose it all

    S4 E30 Hold It Like You Own It: How to Invest, Add to Super, and Spot a Scam Before you lose it all
    2026/07/08
    ou have a bit of money to work with, and you have realised you are the one deciding what happens to it now. That is a real shift, and it comes with a question almost every woman asks me like a confession: how do I know what to do, and how do I know I am not about to get ripped off? This episode is the answer. Over the next couple of decades an enormous amount of wealth is going to land in the hands of women, through inheritance, through longer lives, through our own earning. We are going to be the ones holding it. This one is about learning to hold it like you own it, not nervously, not so cautiously it never moves for you, but with the confidence of someone who knows how to check. In this episode Why the largest transfer of wealth to women in history means it is time to move from spending well to holding money like you own itThe one-and-a-half-million-dollar story that shows exactly what an unregulated scheme looks like from the inside, and why it fools capable peopleWhat "regulated" really means, and why an Australian Financial Services Licence is the signal, not the polishHow to start investing without studying the stock market, using exchange traded funds, micro-investing, and a first amount so small a wobble won't cost you sleepThe super carry-forward rule, the deadline nobody tells you about, and why this financial year mattersWhat people get wrong about crypto, plus the withdrawal test that exposes a trap wearing an investment's clothes The three questions before your money moves anywhere Are they licensed or registered? AFSL, ASIC, MoneySmart, AUSTRAC. It is free and it takes ten minutes. If they are not on the register, the conversation is over, no matter how good a friend or how persuasive they are.Can I get my money out? Legitimate money lets you leave. New fees, new taxes, new delays, and just-one-more-payment to withdraw is an alarm bell.Is it going where I think it is going? Is the name on the screen the same name as the business you are transferring to? Is your identity being checked? Are there real checks at all? Not one of those questions needs you to be a financial expert. They need you to be the one holding the wheel, willing to ask out loud. Where to check (all free, all official) MoneySmart (moneysmart.gov.au): the government's own money site. Search the Financial Advisers Register to confirm an adviser is legitimate, and the investor alert list for companies and websites not to be trusted.ASIC professional registers: look up whether a business holds an AFSL. If they claim to be licensed, verify it yourself rather than trusting the brochure.AUSTRAC: check whether a crypto exchange is registered as a digital currency exchange before you move anything near it.AFCA, the Australian Financial Complaints Authority: where you take a complaint if something goes wrong inside the system.Scamwatch: search a company name here. Thirty seconds can save you everything. The numbers, checked The concessional (before-tax) super cap for the 2026 to 2027 financial year is $32,500. It was $30,000 until the end of June.Carry-forward lets you use unused cap from up to five years back, provided your total super balance was under $500,000 on 30 June of the previous year. You use the oldest unused year first.The oldest slice still open to you is your unused cap from 2021 to 2022, and it expires on 30 June 2027. Use it or lose it.Crypto exchanges operating in Australia must be AUSTRAC registered, and platforms are being brought into the same AFSL licensing the rest of the finance industry uses. Rules are still tightening. Every situation is different, and the rules change. Confirm current figures with the ATO and MoneySmart, and get advice for your own circumstances before acting. Your one thing this week Log into your super. Look at the balance, look at what is going in, and see whether you have any carry-forward room. If you do, get on the phone to your fund, because your fund has advisers you can talk to. If you have a self-managed fund or serious wealth, speak with your financial adviser. Go deeper If you want to keep building this kind of confidence with women doing the same work, come and join us in the Happy Money Society. It is where a single episode turns into a habit. Find it at phoebeblamey.com.au. A quick, important note This is general information and education only. It is not personal financial advice. Rules change, and every one of us has a completely different situation, so check the current rules with MoneySmart and the ATO, and speak with a licensed financial adviser and your accountant about your own circumstances.
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    23 分
  • S4 E29 Yep, another EOFY Podcast!

    S4 E29 Yep, another EOFY Podcast!
    2026/07/01
    It is the end of financial year, and if this week has been all receipts, logbooks and bookkeeper calls, you have had plenty of money conversations already. Every one of them was with someone else. The tax office. Your accountant. A portal at ten at night. This episode is about the one conversation you have not had yet, the one with yourself, and why the first of July is the cleanest fresh start you will get all year. Grab a pen, put the kettle on, and let's have it. The four conversations to have with yourself before the new financial year gets going: Where am I right now? Work out your net worth. What you own minus what you owe: home equity, super, savings, investments, loans, cards. Most of us know our income cold and go blank on our net worth. Log in and find your actual super balance, even if it is confronting.What do I actually want? Stop asking only "can I afford it" and start asking "what am I building." Picture three pools of money: lifestyle (the everyday), project (the renovation, course, trip, business) and future (super, investments, assets). Trouble starts when they all swim in one account and the project quietly eats the future. Name the thing you keep not letting yourself do, then decide which pool it belongs to.Who do I need to become? We change our behaviour when it matches who we believe we are. Move from "I'm hopeless with the money stuff" to the present tense: "I'm someone who takes leadership of my financial future. I'm someone who knows her own numbers." Nobody was born knowing this.Who am I going to say it to? The first three happen in your head. This one has to leave it. Text your sister, book the call with your super fund or accountant, ring a financial counsellor if you are stuck. The women who talk about money make better decisions about money. The number worth knowing: the ASFA benchmark for a comfortable retirement for a single homeowner now sits around $630,000 in super (ASFA Retirement Standard, updated February 2026). Knowing you are behind is not the bad news. Not knowing is. On the downsizer super strategy mentioned in the episode: if you are 55 or older and sell a home you have owned for 10 years or more, you may be able to contribute up to $300,000 per person ($600,000 for a couple) from the sale proceeds into super as a downsizer contribution, within 90 days of settlement. It sits outside the usual concessional and non-concessional contribution caps, which is what makes it powerful for topping up super later in life. It does count toward your total super balance and can affect Age Pension entitlements, so it is worth getting advice on the timing. Full rules and the form are on the ATO page linked below. Your next step this week Pick one of the four conversations. Not all of them. One. Have the honest one and find your super balance, or have the out-loud one and text one person the words "I'm finally getting on top of my money." One conversation this week changes which version of you walks into the new financial year. Links and resources The Happy Money Society (now live, free and paid options): phoebeblamey.com.au — links also in the episode notesWork with Phoebe: phoebeblamey.com.auATO — downsizer super contributions: ato.gov.auASFA Retirement Standard (the comfortable-retirement benchmarks): superannuation.asn.auASIC Moneysmart (free, independent money guidance and calculators): moneysmart.gov.auNational Debt Helpline (free, confidential financial counselling): 1800 007 007, ndh.org.au A quick note Everything in this episode is general information to get you thinking. It is not personal financial advice and it does not take your own circumstances into account. Please get advice tailored to you before making any big financial moves. Until next week, whatever you're doing, wherever you're doing it, and whoever you're doing it with, enjoy your journey.
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    19 分
  • S4 E28 Be the center of your financial universe

    S4 E28 Be the center of your financial universe
    2026/06/25

    Remember Cristina Yang turning to Meredith, right as she was leaving the show for good, telling her not to let what someone else wants eclipse what she needs. He's very dreamy, but he's not the sun. You are.

    We forget that. There is even a term for it: role engulfment. We get so caught up in the doing for everyone else that our own self, and our own financial life, fades into the background, and it costs us. One day you are comforting a friend who has just been through a brutal divorce, the lights go on, and you think, this could be me.

    This episode is about taking the wheel. If you have been carrying the worry without ever holding the wheel, this one is for you. Phoebe walks through why so many capable, high-earning women end up financially invisible in their own lives, why that gap is exactly where women get hurt, and the five things you can do this week, on one page, at your kitchen table, to put yourself back in the centre of your own financial universe. You are not the moon orbiting everyone else's money. You are the sun.

    Why this matters for you now

    Australia is moving through its largest ever transfer of wealth between generations, estimated at around $3.5 trillion (some research puts it closer to $5 trillion), with roughly 65% of it expected to land with women. Family money tends to flow to the eldest daughter. It can arrive through divorce. It can arrive through the death of a partner. The women who get hurt are not the careless ones. They are the ones who never knew where the money was. This episode gets you ready to hold it.

    What you will take away
    1. Your money map. How to work out your net worth in one sitting, and why you cannot run a universe you have never looked at.
    2. What is yours. The difference between money in your name and money in joint names, and why every financially adult woman needs her own account.
    3. Your protection documents. A current will, a binding death benefit nomination on your super, and an enduring power of attorney, and why your super does not follow your will.
    4. Your safety buffer. The runway money in your own name that means you are never trapped in a situation you want to leave.
    5. Your dashboard. The handful of money concepts that let you ask a good question and recognise a bad answer, without becoming a financial planner.

    Plus: who belongs in your financial universe, how to choose advisers you trust instead of inheriting ones you do not, and why talking to your friends about money is one of the most powerful financial moves you can make.
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    20 分
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