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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
  • Autism Diet Solutions: What Actually Works ft. Lynn Joels (Part 2 of 2)

    Autism Diet Solutions: What Actually Works ft. Lynn Joels (Part 2 of 2)
    2025/12/21
    Could the foods your child eats be affecting their autism symptoms? This conversation changes everything parents think they know about diet and autism.In Part 2 of our autism series, naturopath Lynn Joels reveals the truth about dietary interventions—from gluten-free and casein-free diets to gut-healing protocols and toxin reduction strategies.What We Uncover: The opioid-peptide hypothesis: why some children can't break down gluten and caseinWhich autistic children are most likely to benefit from GF/CF diets Low-FODMAP diets for managing gut and behavioural symptoms Probiotics, prebiotics, and cutting-edge microbiome interventions Methylation support and why it matters in autism Vitamin D's role in brain function and development Simple household swaps to reduce toxin exposure (BPA, phthalates) How functional lab testing guides personalised protocols Clinical decision-making for individualised treatmentThe Truth: Not every child with autism needs a gluten-free diet—but for those who do, improvements in focus, mood, and behaviour can be remarkable. The key is understanding your individual child's biochemistry.Lynn explains how healing gut inflammation can flow through to better cognitive and behavioural outcomes, and shares practical low-tox resources for reducing chemical exposure at home.This isn't about restriction—it's about targeted, evidence-based interventions that support your child's unique needs.Series Overview: Part 1: Root causes & biological drivers (prenatal nutrition, gut-brain axis, environmental toxins) Part 2: Dietary interventions & treatments (you're here!)About Lynn Joels: Lynn has a passion for the health and wellbeing of children with it being at the heart of her professional life for over 20 years. A fully qualified naturopath and healthcare professional, she has always worked with the goal of improving the lives of the people whom she has the privilege of working with.Relevant Links:https://www.lynnjoels.com/ https://www.linkedin.com/in/lynn-joels-572879b/ https://www.instagram.com/thenaturalfairy/ Low Tox resources:ewg.org moogoo.com.au seedandsprout.com.au naturebaby.com.au ecochild.com.au koh.com koala.eco Research Links:https://pubmed.ncbi.nlm.nih.gov/40531376/ https://pubmed.ncbi.nlm.nih.gov/40481354/ https://www.tandfonline.com/doi/full/10.1080/1028415X.2020.1815332 https://link.springer.com/content/pdf/10.1007/s13668-025-00655-y.pdf https://pmc.ncbi.nlm.nih.gov/articles/PMC8234602/ https://pmc.ncbi.nlm.nih.gov/articles/PMC6893818/ https://link.springer.com/article/10.1007/s00535-025-02269-1 https://www.mdpi.com/2072-6643/17/7/1135 https://arxiv.org/pdf/1909.05198 https://pmc.ncbi.nlm.nih.gov/articles/PMC12289859/ https://link.springer.com/article/10.1007/s12519-025-00924-4 https://www.tandfonline.com/doi/full/10.1080/1028415X.2020.1815332#abstract https://pmc.ncbi.nlm.nih.gov/articles/PMC8394938/ https://www.nature.com/articles/s41598-019-51325-3 https://pmc.ncbi.nlm.nih.gov/articles/PMC10060862/ https://pmc.ncbi.nlm.nih.gov/articles/PMC6571640/ https://www.sciencedirect.com/science/article/pii/S2590097825000199 https://pmc.ncbi.nlm.nih.gov/articles/PMC8746934/ Say hi on social: Emma’s Instagram: https://www.instagram.com/_emmasutherland Emma’s Clinic, Studio You https://www.instagram.com/girlsfromstudioyouSign 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 work with qualified healthcare practitioners for your child's individual needs.#Autism #ASD #AutismDiet #GlutenFree #CaseinFree #GutHealth #AutismNutrition #AutismParents #GFCF #LowFODMAP #Probiotics #ChildrensHealth #Naturopath #FunctionalMedicine #AutismSupport #ToxinFree #GutBrainAxis #AutismTreatment
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    29 分
  • "My Child Isn't Naughty—Their Brain Is On Fire" | Autism & Gut Health ft. Lynn Joels (Part 1 of 2)

    "My Child Isn't Naughty—Their Brain Is On Fire" | Autism & Gut Health ft. Lynn Joels (Part 1 of 2)
    2025/12/14
    Your child isn't being difficult. Their brain is literally inflamed—and it starts in the gut.Children with autism are 4x more likely to have gut issues. That's not a coincidence. The gut sends messages to the brain via a "superhighway" (the vagus nerve), and when there's inflammation in the gut, there's inflammation in the brain. This changes behaviour, sleep, mood, sensory processing—everything.In Part 1 of our autism series, I'm joined by naturopath Lynn Joels, who specialises in treating children with ASD. Lynn reveals what most doctors don't tell you: constipation isn't just a bathroom issue—it's affecting your child's brain, their sleep, their behaviour.What We Uncover: Why "naughty" behaviour is biochemical inability, not disobedience The gut-brain-immune axis and how inflammation travels Why children with autism are 4x more likely to have gut issues How prenatal nutrition (folate, omega-3s, vitamin D) influences brain development Environmental toxins and genetic detox capacity Selective eating as a medical red flag, not pickiness Why constipation is priority #1 (affects brain, sleep, behaviour, detoxification) Oxidative stress and disrupted detox pathways Where to start when everything feels overwhelmingLynn's Clinical Approach: Always start with gut health. If a child is constipated, that becomes priority number one—it affects sleep, behaviour, nutrient absorption, and detoxification. From there, address inflammation, support nutrient absorption, then work on neurotransmitter production and detox pathways.The Most Important Message: This isn't about parent guilt or blame. These are biochemical issues, which means there ARE things you can do. Genes can be turned on and off. Brain inflammation can be reduced. Progress is possible with proper support.As Lynn beautifully says: "Every child with ASD is unique—their brains are just wired with more sparkles."Series Overview: Part 1: Root causes & biological drivers (you're here!) Part 2: Dietary interventions & treatment strategies (coming soon)Relevant Linkshttps://www.lynnjoels.com/https://www.linkedin.com/in/lynn-joels-572879b/ https://www.instagram.com/thenaturalfairy/ Research Linkshttps://link.springer.com/content/pdf/10.1007/s13668-025-00655-y.pdfhttps://www.mdpi.com/2072-6643/17/7/1135 https://link.springer.com/article/10.1007/s00535-025-02269-1 https://www.lynnjoels.com/blog-1-1/httpswwwlynnjoelscom/reducing-the-chemical-loadhttps://www.sciencedirect.com/science/article/abs/pii/S002432052300992X https://arxiv.org/abs/1909.05198 https://link.springer.com/content/pdf/10.1007/s13668-025-00655-y.pdfhttps://pmc.ncbi.nlm.nih.gov/articles/PMC8234602/https://pmc.ncbi.nlm.nih.gov/articles/PMC6893818/https://link.springer.com/article/10.1007/s00535-025-02269-1https://www.mdpi.com/2072-6643/17/7/1135https://arxiv.org/pdf/1909.05198https://pmc.ncbi.nlm.nih.gov/articles/PMC12289859/https://link.springer.com/article/10.1007/s12519-025-00924-4https://www.tandfonline.com/doi/full/10.1080/1028415X.2020.1815332#abstracthttps://pmc.ncbi.nlm.nih.gov/articles/PMC8394938/https://www.nature.com/articles/s41598-019-51325-3https://pmc.ncbi.nlm.nih.gov/articles/PMC10060862/https://pmc.ncbi.nlm.nih.gov/articles/PMC6571640/https://www.sciencedirect.com/science/article/pii/S2590097825000199https://pmc.ncbi.nlm.nih.gov/articles/PMC8746934/🤗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 work with qualified healthcare practitioners for your child's individual needs.
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    34 分
  • Life After GLP-1s: How to Maintain Weight Loss ft. Melissa Laity | Part 4 of 4)

    Life After GLP-1s: How to Maintain Weight Loss ft. Melissa Laity | Part 4 of 4)
    2025/12/09

    You've lost the weight on GLP-1 medications—now what?

    This is the conversation no one is having, and it's the most critical part of your journey.

    In the final episode of our GLP-1 series, I'm joined by clinical nutritionist Melissa Laity, who specialises in helping people transition off medications like Ozempic, Wegovy, and Mounjaro whilst maintaining their weight loss.

    The Reality: When you stop GLP-1s, the medication stops doing the heavy lifting. Appetite, hunger, cravings, and food noise return—often with a vengeance. Without proper planning, the weight comes back quickly.

    We discuss Melissa's proven 4-pillar framework (nutrition, movement, lifestyle, and habit change), managing returning appetite and cravings, rebuilding muscle and metabolism, gut health recovery, and special considerations for midlife women.

    Critical Insight: The planning must start NOW—not after you've already stopped the medication. Success is in the preparation.

    Whether you're currently on GLP-1s, planning to start, or ready to transition off, this episode gives you the roadmap for maintaining your results without rebound weight gain.

    GLP-1 Series:

    • Part 1: What to do before starting

    • Part 2: Protecting muscle, energy & gut health

    • Part 3: Women's hormones & GLP-1s

    • Part 4: Life after GLP-1s (you're here!)


    About Melissa Laity: Melissa is a degree-qualified clinical nutritionist with over 20 years in wellness, specialising in midlife women and GLP-1 transitions.

    🌐 www.melissalaity.com.au | 📱 @melissalaitynutrition


    🤗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 GP before stopping or changing medications.
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    40 分
  • GLP-1s & Women's Hormones: The Essential Guide | Part 3 of 4

    GLP-1s & Women's Hormones: The Essential Guide | Part 3 of 4
    2025/12/03

    If you're a woman taking or considering GLP-1 medications like Ozempic, Wegovy, or Mounjaro, this episode contains essential information you need to hear.


    What You'll Discover:

    • Why women lose up to 40% more weight than men on GLP-1s
    • How oestrogen amplifies medication effectiveness
    • Why women experience more nausea and gastrointestinal side effects
    • The critical 8-week rule before trying to conceive
    • How GLP-1s interfere with oral contraceptives (use barrier methods!)
    • What happens after menopause and how results change
    • How your menstrual cycle influences appetite and cravings
    • Important mood changes to monitor


    Series Overview:

    Part 1: Preparing before you start

    Part 2: Protecting muscle, energy & gut health

    Part 3: Women's hormones (you're here!)

    Part 4: Transitioning off successfully with Melissa Laity (coming soon)


    🤗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


    The research is clear: female hormones dramatically change how GLP-1 medications work. Understanding this connection helps you use these drugs more safely and effectively, whether you're premenopausal, perimenopausal, or postmenopausal.


    Relevant links:

    https://pmc.ncbi.nlm.nih.gov/articles/PMC11733500/

    https://jamanetwork.com/journals/jama/fullarticle/2819128

    https://pubmed.ncbi.nlm.nih.gov/2909416/

    https://pharmaceutical-journal.com/article/news/mhra-urges-women-taking-weight-loss-drugs-urged-to-use-effective-contraception


    Disclaimer: Educational purposes only. Always consult your GP before starting, stopping, or changing medications. Report side effects or mood changes to your doctor immediately.
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    17 分
  • Protecting Muscle, Energy & Gut Health on GLP-1s | Part 2 of 4

    Protecting Muscle, Energy & Gut Health on GLP-1s | Part 2 of 4
    2025/11/25

    If you’re using a GLP-1 and your strength or energy is dipping, there’s a good chance you’re losing muscle — not just fat. It’s one of the most common and least-talked-about issues I see in clinic.

    In this Part 2 of my 4-part GLP-1 series, I’ll show you exactly what to do instead so you stay strong, protect your metabolism, and avoid the mistakes that lead to plateaus, fatigue and unwanted side effects.

    These simple shifts make GLP-1s safer, smoother and far more effective.
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    9 分