『Natural Health with Emma Sutherland』のカバーアート

Natural Health with Emma Sutherland

Natural Health with Emma Sutherland

著者： Emma Sutherland
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 Welcome to my channel! I’m Emma Sutherland — clinical naturopath, author, mum, and your host. With over 20 years in clinical practice, I’ve helped thousands of women and families transform their health using evidence-based, integrative strategies. I’m deeply passionate about making science simple and actionable, so you feel confident and empowered in your health decisions. This channel is your go-to for trusted insights, expert conversations, and practical tools that support your real-life wellness!Emma Sutherland 衛生・健康的な生活
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  • One Missed "Buy Now, Pay Later" (BNPL) Payment Could Cost You $10,000+ (Here's Why) | Part 2 of 4

    One Missed "Buy Now, Pay Later" (BNPL) Payment Could Cost You $10,000+ (Here's Why) | Part 2 of 4
    2026/01/19

    What if one forgotten parking fine could block your rental application 3 years later?

    Most teens think "Buy Now, Pay Later" (BNPL) is harmless, minimum credit card payments are "fine," and credit scores don't matter until you're buying a house.

    They're wrong. And it's costing them thousands.

    I'm Emma—mum and naturopath who sees daily how financial mistakes create stress that lasts for YEARS. Part 2 of the Teen Money Toolkit exposes the credit traps targeting young people—and exactly how to avoid them.

    🚨 What you need to know:

    • → Good credit score = 11% car loan. Bad score = 22%. ($8,000+ difference on a $20,000 loan!)

    • → Miss ONE "Buy Now, Pay Later" (BNPL) payment? Face 30% interest on EVERYTHING

    • → $1,000 credit card debt with minimum payments? 67 months to pay off, $1,662 total cost

    ⚡ In this episode:

    • ✓ Your credit file explained: what it is, how to check it FREE

    • ✓ The 4 ways to destroy your credit score (and protect it instead)

    • ✓ "Buy Now, Pay Later" (BNPL) exposed: why "0% interest" isn't free

    • ✓ Consumer loans: reading the trap-filled fine print

    • ✓ Credit cards: the minimum payment nightmare with real math

    • ✓ How one parking fine affects you for 3+ years

    Real example: That $1,000 credit card? Most of your $25 minimum payment just covers interest. Your actual debt barely moves. That's why it takes 67 months (over 5 years!) and costs $1,662 total.

    This information protects your financial future. Listen together, pause for questions, and have the credit conversations that could save thousands.

    📺 Coming up:

    Part 3: Budgeting that works + investing with $5

    Part 4: Compound interest—how $10/week becomes $228,000

    Subscribe so you don't miss them!

    About Emma: Mum, naturopath & author who sees financial mistakes create lasting stress. Passionate about credit education BEFORE costly lessons happen.

    🤗Say hi on social:

    Emma’s Instagram: https://www.instagram.com/_emmasutherland

    Emma’s Clinic, Studio You https://www.instagram.com/girlsfromstudioyou

    Sign up for my weekly newsletter: https://www.studio-you.com.au/subscribe-newsletter/

    New patient inquiries: https://studioyou.cliniko.com/bookings#service

    Subscribe to Emma’s Practitioner Podcast

    Apple Podcasts: https://podcasts.apple.com/au/podcast/fx-medicine-podcast-central/id897414147

    Spotify: https://open.spotify.com/show/6t6AlIjHCj1SLH3ZVCDaNU?si=ef11c2dc37404d49

    Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cuZnhtZWRpY2luZS5jb20uYXUvcG9kY2FzdC9wb2RjYXN0LnhtbA

    ⚠️ FINANCIAL DISCLAIMER:The content in my YouTube videos and podcast episodes SHALL NOT be construed as financial advice. The information shared is for educational and general information purposes only and is not intended to be a substitute for personalised financial advice. I am not a licensed financial adviser, and this content does not take into account your personal objectives, financial situation, or needs. You should consider seeking advice from a qualified financial adviser before making any financial decisions. It is your responsibility to verify all information and assess its relevance to your individual circumstances.
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    11 分
  • Teen Money 101: Understanding Your Payslip & Worker Rights | Part 1 of 4

    Teen Money 101: Understanding Your Payslip & Worker Rights | Part 1 of 4
    2026/01/05

    If your teen has ever looked at their payslip wondering where their money disappeared to, this episode is for you. As a mum and clinical naturopath, I see daily how financial stress impacts family wellbeing—and I'm determined to equip the next generation with the money skills they need to thrive.

    What if your teen could master financial literacy now, instead of learning through costly mistakes?

    In Part 1 of this 4-part Ultimate Teen Money Toolkit series, I'm breaking down everything young workers need to know about pay, tax, superannuation, and their legal rights at work. No confusing jargon—just clear, practical information that empowers teens and gives parents peace of mind.

    In this episode, you'll discover:

    • ✓ How to read a payslip and understand gross vs net pay

    • ✓ When teens start paying tax (and the $23,230 threshold that matters)

    • ✓ Why superannuation is the secret wealth-building tool for young workers

    • ✓ How to navigate the Fair Work website to check worker rights

    • ✓ Understanding HECS debt for university-bound teens

    • ✓ Common payslip mistakes and how to spot underpayment

    • ✓ Why that single $22 super contribution today becomes $10,000+ by retirement

    This series is designed for families. Listen together, pause for questions, and have the money conversations that genuinely change your teen's future.

    Coming up in this series:

    • Part 2: Credit files, Buy Now, Pay Later traps (BNPL), and smart spending

    • Part 3: Budgeting, goal setting, and beginner investing

    • Part 4: Compound interest—how to build wealth while you sleep

    🤗Say hi on social:

    Emma’s Instagram: https://www.instagram.com/_emmasutherland

    Emma’s Clinic, Studio You https://www.instagram.com/girlsfromstudioyou

    Sign up for my weekly newsletter: https://www.studio-you.com.au/subscribe-newsletter/

    New patient inquiries: https://studioyou.cliniko.com/bookings#service

    Subscribe to Emma’s Practitioner Podcast

    Apple Podcasts: https://podcasts.apple.com/au/podcast/fx-medicine-podcast-central/id897414147

    Spotify: https://open.spotify.com/show/6t6AlIjHCj1SLH3ZVCDaNU?si=ef11c2dc37404d49

    Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cuZnhtZWRpY2luZS5jb20uYXUvcG9kY2FzdC9wb2RjYXN0LnhtbA

    About Emma: Emma Sutherland is a mum, clinical naturopath, and author with over 22 years helping families thrive. As someone who sees how financial stress impacts health daily, she's passionate about equipping the next generation with money skills that create lasting wellbeing.

    ⚠️ FINANCIAL DISCLAIMER:The content in my YouTube videos and podcast episodes SHALL NOT be construed as financial advice. The information shared is for educational and general information purposes only and is not intended to be a substitute for personalised financial advice. I am not a licensed financial adviser, and this content does not take into account your personal objectives, financial situation, or needs. You should consider seeking advice from a qualified financial adviser before making any financial decisions. It is your responsibility to verify all information and assess its relevance to your individual circumstances.

    Keywords: teen finance, financial literacy, payslip, superannuation, worker rights, Fair Work, teen money, parenting teens, Australian teens, HECS, tax education, family finance, teen jobs, money skills, financial education
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    6 分
  • "I Think I Have Alzheimer's"—Why Menopause Feels Like You're Losing Your Mind

    "I Think I Have Alzheimer's"—Why Menopause Feels Like You're Losing Your Mind
    2025/12/28
    If you're listening to this between Christmas and New Year, thank you for taking time for reflection and self-care. This might be the most valuable way to spend 30 minutes as we close out 2025—understanding that your memory lapses, brain fog, and cognitive struggles aren't early Alzheimer's. They're hormonal. And heading into 2026 with this knowledge changes everything."I think maybe I have early-stage Alzheimer's starting." This is what I hear from perimenopausal women in clinic almost weekly—and I understand the fear because I've experienced it myself.But here's what you need to know: your memory lapses aren't early dementia. They're hormonal. And understanding the difference changes everything.What's Really Happening: Oestrogen is a neurohormone affecting oxygen levels, memory, serotonin, and oxytocin in your brain. When it drops during perimenopause and menopause, your brain has to actively rewire itself. You're not losing your memory—memory retrieval becomes slower because of lower oestrogen levels affecting the enzymes that help you access stored information.Dr Lisa Mosconi's groundbreaking neuroimaging research shows that as women move through menopause, brain glucose use decreases and white matter volume reduces—BUT the brain compensates by increasing cerebral blood flow and ATP production. Your hippocampus can even produce oestrogen locally to buffer declining levels.It's Not Just Oestrogen: Progesterone declines cause sleep disruption, irritability, mood swings (it has a calming effect on GABA receptors) Testosterone drops affect motivation, energy, confidence, and mood Elevated cortisol from chronic stress contributes to anxiety and irritability The combination makes memory retrieval slower and mood lowerThe Research That Changes Everything: Women in perimenopause are 1.4 times more likely to experience depression (it's called a "window of vulnerability"). But the Study of Women's Health Across the Nation (SWAN) found that the biggest factors in cognitive decline during menopause are financial hardship and hypertension—not just hormones. Your whole life context matters.What I Cover: Why you're not losing your mind (it's memory retrieval, not memory formation) How the menopausal brain actively adapts and rewires Magnesium: the most helpful nutrient for mood, sleep, and memory (my exact protocol) Ginkgo biloba: why I take 120mg daily and what the research shows The Doctrine of Signatures and why ginkgo's leaf structure is so fascinating Practical strategies to support your brain through this transitionMy Personal Experience: I started reversing letters in words when writing—"cabaple" instead of "capable." As someone who's written books and loves the written word, this was terrifying. Understanding it was hormonal, not neurological decline, changed everything.This isn't about accepting cognitive decline. It's about understanding your brain's remarkable ability to adapt and supporting it through this profound hormonal transition as you head into 2026.Research links:https://www.sciencedirect.com/science/article/pii/S0165032724006438https://pubmed.ncbi.nlm.nih.gov/34108509/https://pubmed.ncbi.nlm.nih.gov/38902275/ https://www.swanstudy.org/womens-health-info/cognition/https://pubmed.ncbi.nlm.nih.gov/27472940/ https://www.sciencedirect.com/science/article/pii/S2352364621000079 https://pubmed.ncbi.nlm.nih.gov/38213402/https://pubmed.ncbi.nlm.nih.gov/38817505/ https://pubmed.ncbi.nlm.nih.gov/36558392/ https://pubmed.ncbi.nlm.nih.gov/36994422/🤗Say hi on social: Emma’s Instagram: https://www.instagram.com/_emmasutherland Emma’s Clinic, Studio You https://www.instagram.com/girlsfromstudioyou Sign up for my weekly newsletter: https://www.studio-you.com.au/subscribe-newsletter/ New patient inquiries: https://studioyou.cliniko.com/bookings#service Disclaimer: Educational purposes only. Always consult your healthcare provider about your individual health needs.
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    12 分
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