By choice or by chance, our lives change in our 40s and 50s. Kids grow up. Parents age. Relationships fracture. Careers stall. Suddenly, we’re carrying everyone — emotionally, financially, physically — and nobody seems to notice that we’re drowning.

This episode is raw and real.I’m digging into what it really feels like to be a woman in the thick of it: invisible, exhausted, expected to hold it all together… while secretly falling apart.

What do we do when it all falls apart, because we were meant to be the generation that had it all!! Instead we are getting divorced, losing our jobs and finding ourselves with no real plan. This is the emotional and financial burden we don't talk about. But we need to.

Because here’s the truth: You are not lazy. You are not crazy. You are not alone. And you are not out of options.

• Why midlife is hitting women harder than ever before

• The trap of being the default caregiver — even when we’re crumbling

• Domestic violence, adult children, ageing parents, and financial burnout

• The uncomfortable but necessary steps to start putting yourself first again

• Transition-to-retirement strategies, Centrelink options, and topping up super

• How curiosity beats defeat — especially when you're rebuilding your life

• Free Workbook: My Mindful Money Journey

• 30-Day Spend Cleanse: Join Now

• Instagram: @thehappymoneyjourney

• Facebook Group: Happy Honeys

If this episode hit home, share it with a woman you love. Rate, review, and subscribe — it helps get this message to more women who need to hear they’re not alone.

Buying a home can be overwhelming — especially when life is messy. What if you’re going through a divorce? What if you’ve inherited a property? What if you just don’t know where to start?

Enter Antoinette Sagaria, powerhouse Buyer’s Advocate at Entourage Property. In this episode, she reveals how to make smarter, calmer, and far more strategic property decisions — no matter where you’re at on your journey.

From first‑time buyers finding their feet, to those starting over after separation, Antoinette takes the emotion out of buying and selling. You’ll learn why having a trusted advocate can save you money, time, and heartache, how to align your expectations with the reality of the market, and why every dollar you invest needs to work harder for you.

This one’s an absolute must‑listen for anyone dreaming of financial freedom through property — because buying well is how we build generational wealth.

Listen now and get ready to rewrite your own property story.

[00:00] Introduction & Acknowledgement of Country Welcome to My Happy Money Journey, Phoebe Blamey acknowledges traditional owners and sets the scene for this episode.

[01:00] Meet Antoinette Sagaria — Buyer’s Advocate at Entourage Property How Antoinette guides clients through buying, selling, and property management, focusing on making property a holistic part of their life.

[03:00] Property & Family Dynamics Antoinette shares her experience with family dynamics, succession planning, and renovations — making sense of inherited properties.

[06:00] Property Advice & Finance Why working with a Buyer’s Advocate from the start can save heartbreak down the track, especially in divorce or separation scenarios.

[08:00] Setting Realistic Property Expectations How Antoinette helps couples align their ideas about what to buy and where — making sure the search is a match for the market.

[10:00] Helping First‑Time Buyers & Divorcing Couples Why guidance is critical when starting fresh after separation, and making sure the next chapter is built on solid financial ground.

[14:00] The Role of Property in Generational Wealth Buying for long‑term stability, making smart decisions about inherited properties, and looking at the bigger picture of family wealth.

[18:00] Navigating the Sale of a Family Home Why an expert advocate can save money and reduce stress when splitting a household post‑divorce.

[22:00] Property as an Asset You Can Control How to balance emotion and financial reality when making big decisions about the family home or inherited property.

[26:00] The Importance of Tailored Property Advice Buying interstate versus in Victoria, making confident decisions, and knowing when and why you might diversify your investments.

[29:00] Final Thoughts and Best Advice Why a trusted team of professionals gives you the confidence to create long‑term, generational wealth and a happy money journey.

About Antionette:

#BuyingProperty #BuyersAdvocate #FinancialFreedom #PropertyInvestment #PropertyAdvice #DivorceAndProperty #FirstTimeBuyer #InvestmentProperty #WealthBuilding #HappyMoneyJourney #WomenAndWealth #PropertyTips #AustralianProperty #FinancialEducation #RealEstate

We talk about the real cost of ignoring your super, how to match your risk profile with your asset allocation, and why even if you’re within 5–10 years of retirement, it’s not too late to take control. Plus, Phoebe shares practical strategies like the transition to retirement pension, the carry-forward contribution rule, and how to audit your super like a boss.

Whether you’re catching up after a career break, planning to wind down work, or just want your super to actually perform, this episode is your permission slip to finally give it some love.

• Why your super is not a set-and-forget savings account

• How your risk profile and asset allocation affect your long-term returns

• The five main investor types and how to know which one you are

• What the accumulation and pension phases of super are—and why they matter

• How to use a transition to retirement strategy to save tax and keep your income flowing

• The carry-forward rule (aka the catch-up contribution hack) to boost your super and reduce your tax

• How to audit your super account: check your investment option, fees, insurance, and contributions

• The difference between scraping by and retiring like a queen (yes, it can be that dramatic)

• You can absolutely course-correct your super strategy, even in your 50s and 60s

• The “default” super option might be costing you thousands in missed growth

• Knowing your investing personality (aka risk profile) helps you make smarter, more aligned decisions

• The carry-forward rule is a tax-saving game changer—especially if you’ve had years off

• It’s your money. Let’s make sure it’s working for you.

• Book a Happy Hour Session: phoebeblamey.com.au

• Super risk profile tools (check with your super fund or financial adviser)

• ATO Superannuation Caps Info: ato.gov.au

• More about the Carry Forward Rule: ATO Catch-Up Contributions

Share it with a friend who’s been ignoring their super for years! Subscribe, leave a review, and follow for more real talk on money, mindset, and building wealth your way.

#superannuation #money #moneytips #budget #womenandmoney #podcast

Feeling behind on investing? Wondering if it’s too late, too risky, or just too complicated? In this episode of My Happy Money Journey, I walk you through the exact steps to start investing—no jargon, no pressure. We’ll cover how to choose the right investment types for your age and goals, explain what ETFs, shares, managed funds and index funds actually are, and talk about diversification, risk, and returns.

Whether you’re just getting started or finally ready to make your money work harder than your savings account ever will, this one’s for you.

What You'll Learn:

• Why cash is not king when it comes to long-term wealth

• What a Big Mac can teach you about inflation

• The difference between shares, ETFs, managed funds, and index funds

• How to choose investments based on your time horizon (not your anxiety level)

• What diversification really means (and why you already have more of it than you think)

• How tax works on different investments

• Why you should not check your portfolio every day

• My real-life story of a $10K investment that’s now worth $6K—and why I’m not panicking

Listener Takeaway: You don’t have to be perfect to be profitable—you just have to be curious and willing to start.

Sponsor: This episode is proudly brought to you by Entourage Finance and Property, helping Australians grow their wealth through home loans, property advocacy and car finance. Learn more at entourage.com.au

Disclaimer: The information in this episode is general in nature. For tailored financial advice, please speak with a licensed adviser or financial planner.

Welcome to another episode of My Happy Money Journey with Phoebe Blamey! This week, we're lifting the veil on debt and looking at it in a totally new light. Forget the stories of brown rice and Vegemite as you pay off your mortgage—it's time to rethink the "debt is bad" narrative and use it as a tool for building wealth. 🏡💡

In this episode, Phoebe dives into:

• The Real Cost of Debt: Understanding the difference between good and bad debt

• Using Debt to Build Wealth: How leveraging debt for assets and investments can work for you

• Impulse vs Strategy: Why focusing on long-term wealth creation is better than reacting to short-term desires

• Home Loans & Car Loans: How strategic debt can create freedom and peace of mind

• Smart Money Moves: The benefits of investing, leveraging property, and using debt as part of your wealth-building strategy

Phoebe also shares real-life examples of how using debt wisely can change your financial outlook, and why it's crucial to focus on strategic debt over knee-jerk reactions like impulse buying.

So, let's stop feeling guilty about having debt and start thinking about how to use it to level up in life.

Resources Mentioned:

• The Motley Fool article

  https://www.fool.com.au/2024/12/02/heres-the-average-asx-stock-market-return-over-the-last-10-years-and-what-it-means-for-the-next-10-years/

Previous episodes on getting debt-free without losing joy, and shifting your mindset around debt#money #moneymindset #debtfree #womenandmoney #wealth #wealthcreation #makemoremoney

🔗 Links:

• Motley Fool article

• Getting Debt-Free Without Losing Your Joy

• Shifting Your Mindset Around Debt

• More on Investment Types & Strategy Coming Soon!

Bruised

💥 Episode Summary: If you’ve ever felt like money just slips through your fingers... or worse, like you’re not meant to be wealthy — this episode is for you.

Phoebe gets real about the emotional side of money — the stuff no spreadsheet can fix. We’re diving deep into the four core money wounds that quietly shape the way women save, spend, and sabotage their finances:

• The Safety Wound: when you save obsessively but never feel secure

• The Worth Wound: when you overgive or undercharge because you don’t feel “ready”

• The Avoidance Wound: when you ignore money entirely (but call it being too busy)

• The Neglect Wound: when no one ever taught you how to build wealth — and now you don’t know where to start

This is your wake-up call and warm hug rolled into one. You’ll leave with a deeper understanding of what’s been blocking your money journey — and a practical first step to start healing it.

✨ In this episode, Phoebe covers:

• Why traditional financial advice falls short for most women

• The origin story behind each money wound (and how to spot yours)

• Relatable examples that will make you say “Oh my god, that’s me”

• One powerful, doable action step for each wound to start your healing today

• How healing your money wounds unlocks true financial freedom — on your terms

🔗 Resources & Links:

• Grab the free workbook: My Mindful Money Journey

• Join the 30-Day Spend Cleanse: Click here

• 🧠 Quote to remember:

“You are not bad with money. You are a woman healing. And healed women build wealth.”

💬 Love this episode? Leave a review on Apple Podcasts or share this episode with a friend who’s ready to stop avoiding their bank balance and start owning their financial power.

In this episode of My Happy Money Journey, we're getting deep into the story behind the story — your money story. This is the internal script that's been quietly dictating how you earn, spend, save, and feel about money. And let’s be honest, most of it isn’t even yours. It’s inherited. It’s outdated. It’s patriarchal as hell.

Phoebe unpacks how these generational money stories are passed down like cursed heirlooms — through grandma’s hoarded cash, mum’s hidden shopping bags, and your own beliefs about being “bad with money.” We’ll talk about how history (and hysteria) shaped our scarcity, why your super matters more than your star sign, and how to stop repeating financial history that isn’t yours.

Stick around ‘til the end for a special FREE gift to help you get clear, confident, and unapologetically wealthy.

What You'll Learn:

• What a money story really is and how it's secretly running the show

• Why women are still playing small — and how to stop it

• The role of patriarchy, capitalism, and even kitchen roasts in your beliefs

• How to identify inherited money myths and rewrite them

• The power of taking one empowered action (and what it might be for you)

Special Gift: Get Phoebe’s Money Mindset Journey eBook — your free guide to clearing your money wounds and reclaiming your financial power. [Download Here] https://www.happymoneyjourney.com.au/pl/2147725995

Resources & Mentions:

• Risk profile quizzes from licensed financial planners

• Check your super fund investment mix

Connect with Phoebe: 📸 Instagram: @phoebeblamey 📬 Newsletter: Sign up at myhappymoneyjourney.com 🎧 Subscribe wherever you get your podcasts