The Broke Generation

In this episode, I explore how replacing a rigid financial map with a values-driven compass can transform the way you manage money. Rather than chasing fixed numbers and linear plans, I share why understanding your deeper values leads to better financial decisions — especially in a world where careers, costs, and life circumstances are constantly shifting. Key takeaways: Why rigid financial plans fail to account for real life changes The difference between a financial "map" vs. a financial "compass" How your values — not numbers — should guide your money decisions The three types of money values: spending values, short-term priorities, and big-picture values Why skipping the values work means you may reach your goals but still feel empty How a compass approach helps you honour both present and future you along the way See omnystudio.com/listener for privacy information.

In this episode I'm talking about a VERY important part of any goal: the pointless phase (don't worry, I'll explain). Nobody ever speaks about this aspect of personal finance, and often the advice we hear is coming from people on the other side of that struggle, leaving us psychologically disconnected from what we're being told. When we learn to recognise the pointless phase when we're in it, we can stay the course, get over the pointless hump, and finally start seeing progress. See omnystudio.com/listener for privacy information.

There's a creeping cultural narrative that ambition is cringe, having goals is naïve, and if you're still trying to get ahead financially or professionally, you've somehow missed the memo that everything is pointless. And I get it. The disillusionment is real and it's earned. The system has genuine problems. But somewhere along the way, valid critique of broken structures has quietly morphed into a collective permission slip to abandon personal growth altogether. In this episode I'm unpacking that shift, questioning whether it's actually serving us, and making the case that you're still allowed to want better for yourself. Key takeaways: Critiquing a broken system and abandoning all personal ambition are two very different things. ou can hold both the frustration and the drive at the same time Collective cynicism can feel like solidarity but it can quietly become a comfortable place to stay stuck Humans are psychologically wired for growth. Self-determination theory tells us that the drive toward competence and progress is a core human need, not a capitalist invention Getting better with money, pursuing meaningful work, or having personal goals isn't selling out. See omnystudio.com/listener for privacy information.

The Australian Government 5% Deposit Scheme and the Australian Government Help to Buy Scheme are two different pathways to homeownership for Australians – but do you know the difference between the two? If you're buying a home in the near future, these schemes may be relevant to you, and may support or shift the way you approach home buying. I've deep dived into both schemes, including the benefits, risks and considerations, and who they're best suited to, so you can feel more informed. PLUS I took your questions right from your fingertips to the top to get the answers. Highlights: The difference between the two schemes Who is best suited to each (and who isn't) Considerations when buying using a scheme, and risks to be aware of Recent changes to the schemes that open them up to more people, including people who haven't owned property in the last 10 years, or single parents buying out a former partner Case studies from people who have used the schemes and how it impacted their home ownership journey. Head to www.firsthomebuyers.gov.au to find out more and check your eligibility. This episode was created for educational purposes only, in partnership with the Australian Government.See omnystudio.com/listener for privacy information.

A rainbow literally appeared while I was speaking to you in this episode and if that's not a sign to open your mind up to all the ways you maybe CAN do the thing your brain is telling you you can't, I don't know what is.  In this episode I take you through a simple mindset shift that'll take you from fixed, restrictive thinking to a mindset of possibility and opportunity – and you'll barely recognise your finances once you try it.See omnystudio.com/listener for privacy information.

Ever feel like your brain is constantly running a background tab called "am I spending this right?" This episode is all about quieting that noise. Money rules can help you simplify your financial decisions and allow money to be a resource in your life. Instead of relying on willpower in the moment, your 'personal policies' let you pre-decide, so your future self doesn't have to. In this episode, we break down what money rules are, why they work (hint: systems always beat willpower), and how to build your own using a simple three-part framework.See omnystudio.com/listener for privacy information.

In this episode I'm diving into the doom spending narrative that's spreading online, including why we're tempted to do it, why it's unhelpful, and what to do instead. ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Welcome back to another Monthly Wrap episode thanks to my friends at PocketSmith. Each month I'll take you through: The monthly mood: what was the vibe of my finances last month? An overview of the month in life, money and business RECEIPTS: where my money went, using my PocketSmith dashboard for insights The money mirror: what was my transaction list reflecting back at me BOARD MEETING: business updates, projects and challenges GROUP CHAT: life updates, hacks, recipes, and hot goss Next month's focus and 3 quick hit goals to focus on Head to www.pocketsmith.com/thebrokegeneration to check out PocketSmith's foundation plan and snag yourself 2 months at 50% off. Mentioned in this episode: Cat probiotics https://amzn.to/4rTbAhm See omnystudio.com/listener for privacy information.

n this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership. Episode 3 highlights: The cost of common pet conditions/emergencies to be aware of How much to have saved if you don't have insurance  How to communicate with your vet over financial aspects of pet care How telehealth can help you reduce unnecessary trips to the vet and get immediate advice at home PLUS there's a special offer for The Broke Generation listeners: use code VET10 to get 10% off your VetChat Plus membership and get unlimited telehealth appointments at any time of day, plus cover for 5 common pet emergencies https://www.vetchat.com.au/vetchat-plus?utm_source=the-broke-generation&utm_medium=podcast&utm_campaign=vetchat   Where to find Claire and VetChat on social media: https://www.instagram.com/vetchataustralia/See omnystudio.com/listener for privacy information.

In this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership. Episode 1 highlights: Is pet insurance really worth it? How do I understand my policy better? What if I don't have it and it's too late now? The role of telehealth in managing your pet's health PLUS there's a special offer for The Broke Generation listeners: use code VET10 to get 10% off your VetChat Plus membership and get unlimited telehealth appointments at any time of day, plus cover for 5 common pet emergencies https://www.vetchat.com.au/vetchat-plus?utm_source=the-broke-generation&utm_medium=podcast&utm_campaign=vetchat   Where to find Claire and VetChat on social media: https://www.instagram.com/vetchataustralia/See omnystudio.com/listener for privacy information.

 The Monthly Wrap is BACK, BABY!!! A loved episode format from many moons ago, I'm thrilled to bring back my monthly wrap up of goings on in my finances, life and business, in partnership with my friends at PocketSmith. Each month I'll take you through: The monthly mood: what was the vibe of my finances last month? An overview of the month in life, money and business RECEIPTS: where my money went, using my PocketSmith dashboard for insights The money mirror: what was my transaction list reflecting back at me BOARD MEETING: business updates, projects and challenges GROUP CHAT: life updates, hacks, recipes, and hot goss Next month's focus and 3 quick hit goals to focus on Head to www.pocketsmith.com/thebrokegeneration to check out PocketSmith's foundation plan and snag yourself 2 months at 50% off. Mentioned in this episode: Baguette recipe: https://www.aberdeenskitchen.com/2020/08/classic-crusty-french-baguettes/ See omnystudio.com/listener for privacy information.

Welcome to 2026!! In this episode I'm unpacking the power of pride (and the momentum it generates) in your personal finances and exploring what we can do to make ourselves proud this time next year.  Mentioned in this episode: Reflect & Reset | The two part workshop: https://thebrokegeneration.com/product/reflect-reset-2025/ ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

It's that time of year again! Join me as I rattle through 26 goals for 2026, in the realms of money, business, health, and happiness. ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.