Explore every episode of the podcast Good With Money

Welcome back to The Monthly Wrap, where I take you through an overview of life, money and business. This month I take you through September, adjusting to life as part-stay-at-home-mum-part-self-employed-business-owner, share my first advent calendar purchase, and the slow but steady stabilisation of post-post-partum financials.

Thanks again to PocketSmith for being the official partner of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of the standard plan.

See omnystudio.com/listener for privacy information.

This week I'm hitting replay on an episode from my The Wardrobe Project mini series last year! The year I chose not to buy clothes was one of the most transformative things I ever did for my confidence and my finances, and I'm telling all in this episode. 

Welcome back to episode 3 of The Wardrobe Project mini series! For our final episode I'm talking about the other side of the coin: what happens when you complete a year long experiment to not buy a single item of clothing? How does it feel? Did anything change? And what is life like on the other side of an obsession with clothes? I tell all in this final episode of the series.

Mentioned in this episode

• Podcast episode: What's it like to buy again after a year long wardrobe freeze?: https://open.spotify.com/episode/7cokG9nD8HHgHXsCeA3hIo?si=cd9d5345eaec4c1b

If you've enjoyed this mini series I'd so appreciate you snapping up a preorder of the book! Your receipt will get you access to an upcoming webinar and the ability to enter the prize draw that's coming very soon. Stay tuned for more info! 

Preorder your copy below or Google search "The Wardrobe Project Emma Edwards" for local results in your region.

• Order in Australia/NZ: https://amzn.to/3Jatx9x 
• Non-Amazon AU/NZ options: Booktopia 
• Order in the UK: https://shorturl.at/fKH5O 
• Non-Amazon UK: Bookshop.org 
• Order in the US: https://shorturl.at/9KNyb 
• Order in Canada: https://shorturl.at/PgcJx 

See omnystudio.com/listener for privacy information.

This week we're hitting replay on one of your favourite episodes of the podcast ever.

In this solo episode I'm taking you three behavioural turning points that fundamentally changed my finances forever. From identifying cycles that are keeping you stuck to always investigating the beliefs that your behaviour is upholding, this punchy ep is a masterclass in owning your own financial mindset and making positive change.

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

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.

Welcome back to The Monthly Wrap, where I take you through an overview of life, money and business. This month's episode is a combo episode of July and August as I have recently welcomed my first baby into the world. Buckle in for chats on the financial aspect of pet loss, navigating finances through grief and joy, the duality of love and loss, postpartum impulse purchases, and approaching my finances with a whole new outlook as a mum.

Thanks again to PocketSmith for being the official partner of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of the standard plan.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

In this episode, I reflect on five things I did around five years ago that are paying off in a big way now — from scrappy investing beginnings to mindset shifts that changed everything. It's a reminder that small, imperfect actions compound over time in ways you simply can't see when you're in the thick of it.

Key takeaways:

• Starting to invest with just $5 a week can grow into something significant — consistency beats waiting for the "perfect" moment
• Paying off debt isn't just about clearing a balance; it builds the behavioural habits that fund every financial goal that comes after
• Delaying a lifestyle upgrade by even one or two years can mean making the move from a far stronger financial foundation
• Staying in a "comfortable" job can be just as costly as staying in a bad one 
• Letting go of a victim mindset around money (like "I just got unlucky") is what opens the door to actually changing your situation
• The hardest part of any financial goal is the early stages — but looking back is one of the best tools for staying motivated to keep going.

See omnystudio.com/listener for privacy information.

I'm not being dramatic when I say my side hustles changed my life and finances forever. They truly did, both from a numbers perspective and in terms of my career. But nothing happens overnight! In this episode I'm talking through the 4 main side hustles I've had that've changed my life forever, including tips and advice on getting started yourself, and insights from everything I've learned along the way.

See omnystudio.com/listener for privacy information.

In this episode I'm joined by Trish Gregory from our new podcast partner, Hayes & Co, to talk all things personal insurances. Insurance is one of the less sexy sides of personal finance, but it can actually have a profound impact on your financial future. 

In this episode we talk about the role of insurance in building your financial confidence, the types of insurance you can get and what it can offer, and how to take insurance matters out of the too hard basket.

Book a meeting with Trish to discuss your insurance requirements: https://calendly.com/trish-hcis/initial-insurance-meeting-bg

Content contained in this episode is for educational purposes only and does not consider your personal circumstances.

Broke Media Pty, trading as The Broke Generation (ABN: 22 681 944 141) is a Corporate Authorised Representative No. 001322176 of Rask Licensing Pty Ltd (ABN: 32 681 073 478) (AFSL: 563 907). The information, tools and content provided are general financial advice only. That means the advice does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate before acting. Always read the PDS and TMD before making any decision. If you are unsure, seek personal financial advice from a licensed adviser. Please read our Privacy Policy and Financial Services Guide. Past performance is not indicative of future returns. Investing always carries risk of loss.

See omnystudio.com/listener for privacy information.

Welcome again to another monthly wrap where I take you through an overview of what's been going on in my life, money and business. This is the last monthly wrap until August so buckle in for a bumper episode as I yap about all things new foundation, winding down work for maternity leave, and navigating the massive life change that's about to come. 

Thanks again to PocketSmith for being the official partner of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of the standard plan.

See omnystudio.com/listener for privacy information.

In this episode I'm joined again by Tash Etschmann from Tash Invests to dissect a particularly eye opening mortgage misconception I found on Reddit. A true lesson in why financial literacy and mortgage education should be a duty of care from lenders to would-be mortgage holders, we unpack how one first home buyer thought they were going to be making repayments at over 90% of their take home pay after a miscalculation blunder.

See omnystudio.com/listener for privacy information.

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 joined by Tash Etschmann of Tash Invests to discuss the concept of lifestyle creep versus values-based spending, and how we keep on top of small expenses adding up while still enjoying our money and experiencing life now. Inspired by my recent $21 spend on coffee and hash browns on hotel room service, we unpack value versus values, the psychological concept of category limits, simplifying financial decisions with money rules, and keeping spending runways in check before they derail your progress.

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.

Another month has flown by so let's take a look back at what went down in my life, money and business in May!

Thank you as always to PocketSmith for being the official sponsor of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's Standard plan.

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.

Money is one of the last areas where we resist turning inward — and it's costing us. In this episode, I'm digging into why financial self-awareness is the missing piece for so many of us who feel stuck with money. We talk about pop psychology, the shame avoidance cycle, and why our brains are wired to work against us financially. The human brain isn't rational, and pretending money is just maths is exactly why so many of us can't get the outcomes we want. It's time to apply the same curiosity we bring to our relationships and our habits to our finances.

Key takeaways:

• Money is deeply emotional — our spending is driven far more by feelings, conditioning and habit loops than by logic, no matter how "mathematical" it looks on paper
• The shame avoidance cycle is real: when we feel shame about our finances, we avoid them — which only makes things worse over time
• Understanding why you behave the way you do with money is more powerful than trying to restrict or stop the behaviour cold
• Social media and marketing are constantly triggering emotionally driven spending — self-awareness helps you recognise those triggers before they hit your bank account
• The goal isn't perfection, it's curiosity — approaching your financial behaviour as an observer, without judgement, is where real change begins

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.

Trigger warning: this episode contains discussions around pregnancy and fertility.

Back again with another Monthly Wrap sharing what's been going in my finances, and a look at what's going down in life, money and business. Plus, I share some personal news that I've been keeping under wraps for a while! 

Mentioned in this episode:

• Manners London trousers*: https://go.shopmy.us/p-51197832
• Recipe Tin Eats fishcakes: https://www.recipetineats.com/salmon-patties/

Thank you as always to PocketSmith for being the official sponsor of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's Standard plan.

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.

One of your MOST LOVED eps from last year was all about upgrading your life without spending a fortune, so I'm back with more ways to do exactly that. From what you drink your morning coffee out of, to how you unwind when you're stressed, these 10 little upgrades are absolutely overflowing in lifestyle value and bang-for-buck.

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.

Welcome back once again to The Monthly Wrap: what's been cracking in life, money and business over here at Broke HQ. Thanks as always to PocketSmith for sponsoring this episode.

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.

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.brokegeneration
TikTok: 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.

In this episode I'm talking about a piece of advice that has come up over and over again in conversations about money in recent months, which is this: manage your money and your life like its a business and you're in charge.

Developing emotional intelligence around your money is a critical part of being good with money – but we're not taught how to do it. Starting with this business-style approach to managing your money helps you see it like a tool, rather than an extension of your identity or a representation of your worth.

Highlights:

• Treating your life like a business to give you the clarity you need for success
• Allocating funds to your different life "departments"
• Being proactive and reactive accordingly
• Investing in growth and efficiency
• Adopting a "margin mindset"
• Identifying when your lifestyle isn't viable (and what to do instead)
• Viewing things from a big picture perspective by taking an annual approach to expenses

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.brokegeneration
TikTok: 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.

I'm back with a new instalment of my 'thank yourself in 10 years' series, so get your hot little butt out for a walk and listen to the next batch of stuff you can do to make life easier for yourself in a decade's time.

Mentioned in this episode:

• How to like yourself part 1: https://open.spotify.com/episode/1SkrdHK8Nn4jpp38lfyJUE
• How to like yourself part 2: https://open.spotify.com/episode/4O7qznE9gmMRzXB4gTbOXM

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 2 highlights:

• Financial anxiety as a pet parent and what causes it
• Common red flags to look out for in your pets
• What mix of savings/insurance/coverage/check ups is ideal to stay on top of pet costs
• A vet's advice for keeping your pet healthy when they hate going to the vet

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.

In 2025 I committed going one whole year without buying clothes... for a SECOND TIME! In this episode I take you through what I learned, the challenges, the wins, and how it differed from the first time around.

The Wardrobe Project group challenge is now open for enrolment for our next cohort starting March 1st, and early bird pricing is available until 12th Feb! Save your spot here: https://thebrokegeneration.com/product/the-wardrobe-project-cohort-3/

Mentioned in this episode:

• My new book, The Wardrobe Project: A year of buying less and liking yourself more: https://amzn.to/4qpQEge
• Previous episode about my experience giving up buying clothes for a year: https://thebrokegeneration.com/blog/episodes/i-didnt-buy-clothes-for-one-year-heres-everything-i-learned/?portfolioCats=362

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.brokegeneration
TikTok: 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.

 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.

In this episode I take you through an epic guided framework to help you create a blueprint for your hottest money year ever. Combining both objective and subjective elements of your finances, this blueprint will give you a complete look at your finances and establish the most bang-for-buck areas to focus on in 2026.

Mentioned in this episode:

• Payday routine episode: https://thebrokegeneration.com/blog/episodes/a-payday-routine-is-your-superpower-spendtember/
• Financial values episode: https://thebrokegeneration.com/blog/episodes/bonus-miniseries-understanding-financial-values-and-how-to-spend-in-alignment-with-them/
• Reflect & Reset 2 part workshop DISCOUNTED PRICE: 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.brokegeneration
TikTok: 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.

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.brokegeneration
TikTok: 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.

BOOM we are hitting the ground running this January with a red hot look at where I spent my money in 2025 and what my plans are for it in 2026. Special thanks to PocketSmith for making this episode possible. Visit www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan.

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.brokegeneration
TikTok: 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.brokegeneration
TikTok: 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.

 Welcome to the annual TBG end of year guided money reflection! Grab your notebooks, pour yourself something tasty, and buckle in for a series of reflective questions about your year in money.

Want more? Dive deeper with my two part workshop series, Reflect & Reset, available instantly on demand, with a Money on a Page worksheet to complete between sessions. https://thebrokegeneration.com/product/reflect-reset-2025/

Thank you so much for being a part of the podcast this year, I appreciate you SO much! Here's to 2026.

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.brokegeneration
TikTok: 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! Join me as I review my 25 goals I set for 2025 and cover off which ones I achieved, which ones I didn't, and what I learned along the way.

Mentioned in this episode: 

• The spending trap of thrifting: https://open.spotify.com/episode/1ytJRW47lzqxfzWJT9x1SG?si=3A7SSXmySauLAPH95zz8CA

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.brokegeneration
TikTok: 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.

In this episode I'm joined by Tash Etschmann (@tashinvests) for a chat about all things POINTS! We unpack everything from Qantas versus Velocity for frequent flyer points, Everyday Rewards vs FlyBuys, and other programs that offer added benefits. 

Join me as an Everyday Extra gal here: https://rewards.app.link/wc7wWEYYoOb

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.brokegeneration
TikTok: 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.

We're back again with another week in our wallets brought to you by PocketSmith. This week Victoria galivants around Japan while Emma has a low key week of hustling.

Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan.

See omnystudio.com/listener for privacy information.

In this episode I'm joined by Kim Heironymous, education manager at AustralianSuper, to talk all things superannuation and how to get engaged with your superfund for the benefit of your future self.

Highlights:

• Understanding how super contributions work
• How you can make up for years of low/no super
• How spousal splitting and co-contributions can help you level the super playing field in your relationship
• The impact of small additional contributions
• Small ways you can take steps towards a better retirement

Take your Super Snapshot here to see how you’re tracking!

-

Disclaimers:

If you’re considering making a decision about AustralianSuper, please read the relevant PDS and TMD available at www.australiansuper.com.

Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover.

If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed.

AustralianSuper modelling projections show a high school graduate who starts their retail career at 18yo and earns 12% SG on their Ordinary Times Earnings (OTE) of $56,000 throughout their working life can expect a balance of $556,000 when they retire at 67. At 20yo, they change their investment option from Balanced to High Growth. They continue to earn 12% SG on their OTE of $56,000 throughout their working life. By changing their investment option, they can now expect a balance of $641,000 when they retire at 67 – that’s $85,000 more than if they hadn’t taken action.

The projection is only an estimate and isn’t a guarantee. The actual benefits you receive will depend on a range of factors including future economic conditions, investment performance and legislative change. Assumptions: Calculations at September 2025. Salary as per General Retail Industry Award (Retail Employee Level 4) 1 at 25 June 2025. Salary indexed at 3.5% pa. AustralianSuper administration fees of $1 pw and 0.10% of account balance (capped at $350 pa) and AustralianSuper average insurance costs of $450 p.a. Assumes member will receive a tax benefit of 15% on any administration fees and any insurance fees deducted directly from the account. Investment returns projected over the working lifetime are 6.5% p.a. for the Balanced option and 7.0% p.a. for the High Growth option, net of fees and applicable taxes. SG contributions are 12% pa from 1 July 2025. Assumes member works full-time throughout the projection period with no career breaks. 

See omnystudio.com/listener for privacy information.

Welcome back to another episode of A Week In Our Wallets, this time brought to you by our fabulous friends at PocketSmith! Head to www.pocketsmith.com/thebrokegeneration to try PocketSmith for yourself. 

See omnystudio.com/listener for privacy information.

Welcome back to things you'll thank yourself for in 10 years. If you haven't listened to part one yet, go and do so. This week I'm diving into more small things you can do for your life, health and finances that you'll thank yourself for in the future. Share this with someone you think will enjoy it!

See omnystudio.com/listener for privacy information.

Welcome to the annual Black Friday episode where I take you through my observations on the sales sentiment this year, comb through retail reports on what the industry is seeing, and of course, leave you with my top tips, mindsets to embrace and traps to avoid to ensure you're happy with your spending by the end of it all! 

See omnystudio.com/listener for privacy information.

It's officially release day for The Wardrobe Project (in Australia, anyway!). Rest of world, you're only about a week or so away! In this special release day episode I take you through a bit about the writing process, my 5 favourite things about the book, and a sneak peek reading of a few pages. Get your tickets to one of the launch events below – I can't wait to see you!

Melbourne: https://www.trybooking.com/events/landing/1496871

Sydney: https://www.trybooking.com/events/landing/1489984

Order your copy!

• Australia/NZ: https://amzn.to/3Jatx9x 
• Non-Amazon AU/NZ Preorder options: Booktopia 
• UK: https://shorturl.at/fKH5O 
• Non-Amazon UK: Bookshop.org 
• US: https://shorturl.at/9KNyb 
• Canada: https://shorturl.at/PgcJx 

Or Google search "The Wardrobe Project by Emma Edwards" in your region for local results.

See omnystudio.com/listener for privacy information.

WE'RE BACK BABY!!!! In this episode, I'm joined by KJ. a passionate financial advocate openly sharing her financial journey. KJ discusses her experiences migrating to the UK from Zambia aged 7, detailing her struggles and triumphs with debt management and living her 'best boujiest life' while building financial confidence. From her educational background in law to a rewarding consulting career, her story highlights the importance of financial literacy and emotional resilience. KJ also touches on the concept of 'black tax,' the pressures of being an eldest daughter, and her strategies for effective budgeting and financial planning. Her journey showcases how overcoming financial challenges requires internal growth and practical techniques.

Highlights:

• The shame of debt and debt cycles
• The "black tax" and family expectations within cultures
• Early money conversations and how they shape us
• Cultivating a drive for success and growth
• Navigating a career in consulting and doubling your salary
• Believing in yourself when the world doesn't
• Budgeting while living your best boujiest life

Where to find KJ: https://www.tiktok.com/@kjkas4?_r=1&_t=ZS-918LdLIfd48

See omnystudio.com/listener for privacy information.

In part one of this new series, I'm sharing a raft of things you'll thank yourself for in 10 years. No matter what age or stage of life you're at, there's something to be said about doing something now that'll pay off in the future. Often we wait around for the perfect time to start something, only to realise that the years have passed anyway, and we'd be so much further along with something if we'd just taken that one first step a decade ago.

PREORDER THE WARDROBE PROJECT!

• Preorder in Australia/NZ: https://amzn.to/3Jatx9x 
• Non-Amazon AU/NZ Preorder options: Booktopia 
• Preorder in the UK: https://shorturl.at/fKH5O 
• Non-Amazon UK Preorder: Bookshop.org 
• Preorder in the US: https://shorturl.at/9KNyb 
• Preorder in Canada: https://shorturl.at/PgcJx 

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

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.

A short message from Emma to let you know the podcast is taking a teeny tiny 2.5 week break to catch up on editing and making the show the best it can be for your favourite months of episodes: December and January! 

Here are five of the greatest hits episodes from the back catalogue to listen to while I'm gone:

• 3 things that fundamentally changed my finances forever
• 10 things to do instead of self-soothing with spending
• 7 money mindset shifts I’ve had to go through on my finance journey so far
• Is it unfeminist to discuss women’s spending habits? SPENDTEMBER with Emma & Victoria
• “Spending” vs “investing in yourself”

Or why not head over to Broke Business and have a listen to the money podcast for business owners! 

See omnystudio.com/listener for privacy information.

This was a hotly requested episode as we hurtle closer towards gift-giving season, so settle in for a deep dive into why gift giving is its own unique taboo, and some strategies for addressing expensive traditions or norms. 

PREORDER THE WARDROBE PROJECT!

• Preorder in Australia/NZ: https://amzn.to/3Jatx9x 
• Non-Amazon AU/NZ Preorder options: Booktopia 
• Preorder in the UK: https://shorturl.at/fKH5O 
• Non-Amazon UK Preorder: Bookshop.org 
• Preorder in the US: https://shorturl.at/9KNyb 
• Preorder in Canada: https://shorturl.at/PgcJx 

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

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.