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🎙️ Episode 13: Property Chat — The 5% Deposit for First Home Buyers

Hook:
“You’ve probably heard you only need 5% to buy a home — but what does that really mean?”

Description:In this episode of fireyfemmes, we break down one of the most talked-about property hacks in Australia — the First Home Guarantee scheme, which allows eligible buyers to purchase a home with just a 5% deposit and no Lenders Mortgage Insurance (LMI).

If you’ve been feeling like owning property is out of reach, this episode helps you understand what the 5% scheme actually is, who it’s for, and how to make the most of it — without falling for the hype.

We’ll cover:

• What the First Home Guarantee is and how it works

• Why the government introduced it

• A real-life example showing how much you can save

• The catches: income limits, price caps, and limited spots

• How to prepare and position yourself to qualify

Key takeaway:You don’t need to wait until you’ve saved the full 20%. The first step to owning a home is understanding the system and getting in early.

💡 Resources Mentioned

• Housing Australia – First Home Guarantee: https://www.housingaustralia.gov.au

• Check property price caps and eligibility on the official site before applying.

• Consider speaking with an approved lender or mortgage broker who offers the scheme.

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In this short episode, Sheena breaks down the recent market drop and what it means for investors — especially women building financial freedom. Instead of reacting in fear, Sheena shares practical insights on staying grounded, focusing on the long game, and why diversification is your best defence when markets get rocky.

If you’ve been checking your portfolio a little too often lately, this quick pep talk is for you.

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💬 Episode Summary

In this unapologetically honest episode, Sheena dives into a spicy take: why buying property isn’t always the smartest move — especially for ambitious women building wealth their way.

This isn’t about rejecting real estate. It’s about reframing what financial freedom really looks like in 2025 — when flexibility, autonomy, and aligned living can be more valuable than a 30-year mortgage.

Sheena unpacks the emotional and financial costs of property ownership, the myths we’ve been sold about security, and how to design a wealth strategy that supports your lifestyle — not traps you in it.

• Why the “buy property, settle down” narrative is outdated for many modern women

• The hidden costs of homeownership most people overlook

• How renting or investing elsewhere can give you more freedom and leverage

• Reframing wealth: from accumulation to alignment

• Why optionality is the new definition of security

“Sometimes the most powerful thing you can own is your freedom to choose differently.”

This episode is for educational and entertainment purposes only and does not constitute financial advice. Always seek professional guidance before making investment decisions.

• 🌐 Website: www.fireyfemmes.com

• 🎧 Listen on Spotify, Apple Podcasts, and YouTube

• 💌 Subscribe to the FireyFemmes newsletter for fresh perspectives on wealth, wellness, and reinvention

• 💬 Follow @fireyfemmes on Instagram and LinkedIn

🔥 In This Episode💡 Takeaway Quote🚫 Disclaimer✨ Connect with FireyFemmes

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Have you ever paused and thought about what your ideal life looks like?

How about thinking what an ordinary day in your ideal life looks like?

This is a break from our normal podcast content but rather a fun exercise to do.

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Literally just stop and think about a normal boring day in your dream life.

Do you even have to do all the things you're doing?

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Ever landed the “dream job” — only to realise within weeks that it wasn’t the dream after all?

In this episode of FireyFemmes, I share openly about starting a role I thought would be exciting… and why I now want to leave. We’ll unpack:

✨ The signals that tell you a job isn’t the right fit
✨ Why high-achieving women often ignore their gut instincts
✨ How to reframe a career “detour” as part of your reinvention journey
✨ Why pivots are not failures — but powerful steps toward alignment

If you’ve ever stayed in a role because of the paycheck, prestige, or pressure to “make it work,” this conversation is your permission slip to rethink what success looks like.

Your career path doesn’t have to be a straight line — it’s a series of detours that lead you exactly where you’re meant to be.

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💬 Description:

Ever feel like you’re “late” to your own life? Like everyone else has it all figured out — the job, the investments, the dream house, the glow-up — and you’re still trying to decide what your next chapter even is?

This episode is your reminder: you are not behind — you’re just in a pivot season. And that, my friend, is powerful.

Whether you’re leaving a job, exploring a new path, or just sitting in the in-between, this one’s for you.

💡 What You’ll Learn:

✅ Why feeling “behind” is just a lie we’ve been sold
✅ How to reframe a pivot season as strategy, not failure
✅ My own story of professional detours and personal resets
✅ 3 mindset shifts to help you own your season, not rush through it

❤️ If this episode spoke to you…

• Share it: Screenshot + tag me so I can hype you up

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• Leave a 5-star review: Because we rise together 🙌

  
  

  🔥Connect with FireyFemmes:

• Website: fireyfemmes.com
• Instagram: @fireyfemmes
• Newsletter: Sign Up Here

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🔥 Description: Raise your hand if you thought fintech was just crypto bros yelling “buy the dip” at 2am. Same.

The truth? Fintech is freedom tech — and it’s your secret weapon for making money moves without the boring spreadsheets, awkward bank meetings, or middle-aged mansplainers.

In this episode, I’m spilling the tea on:

• Why ignoring fintech is basically leaving free money on the table

• How I used it to keep my money working while I took a breather from burnout

• Three zero-jargon ways to start TODAY (no trust fund or finance degree required)

  
  

  💡 What You’ll Learn:

  ✅ Why fintech is a must-have in your freedom toolkit
  ✅ How it makes your money life lighter, clearer, and automated
  ✅ 3 quick steps to start using it without overwhelm
  ✅ The exact apps I love for spending, saving, and investing (in my free Starter Kit!)

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🔥 Episode: Burnout to Balance — Reclaiming Your Energy Without Losing Your Ambition

Ever hit every goal on paper but feel completely empty inside? I’ve been there — in 2022, after running on overdrive at Zoom, I hit burnout so hard I walked away from it all and did something radical: a three-week yoga teacher training.

In this episode, I share the honest story of how burnout creeps in, what it taught me about ambition, and three practical steps you can take to reclaim your energy without sacrificing your drive.

✅ The signs of burnout no one talks about
✅ Why rest is not a luxury — it’s maintenance for your success
✅ How to protect your energy while still being ambitious
✅ Three simple shifts to move from burnout to balance

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When you land a dream job in tech, stock options and RSUs feel like a jackpot — until tax time. If you’ve ever been blindsided by a massive tax bill you didn’t see coming, you are not alone.

In this episode, I share a personal lesson (the hard way) about how RSUs and stock options can quietly cost you big, and what every high-earning woman needs to know now to avoid financial and emotional spirals later.

You’ll learn:

✨ The difference between RSUs and stock options — plain English, no jargon

✨ The #1 mistake high-income earners make with vested shares

✨ One simple habit to stay ahead of surprise tax bills

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