Join me as I welcome my fabulous friend, long time client and absolute legend, Melissa Browne. Mel is a renowned financial educator, to discuss her journey from a challenging upbringing in Western Sydney to becoming a successful businesswoman and author. In this episode, Mel shares insights from her new book, 'Dare to Be Wealthy,' highlights her passion for empowering women in financial literacy, and addresses the impact of patriarchy on women's financial confidence. Mel and Tina also delve into practical advice on investing, overcoming limiting beliefs, and the importance of setting personal boundaries for long-term success. This episode is packed with actionable tips and inspiring stories aimed at helping women achieve financial independence and build a wealthier future. Don't miss Mel's candid and motivating conversation that could change the way you think about your financial future.

Get Mel's awesome resources: https://www.melissabrowne.com.au/herempirebuilder

Get the book, Dare To Be Wealthy: https://amzn.to/3NTkvA8

Where to find Tina:

Join us inside Her Empire Builder: https://www.herempirebuilder.com/join

Her Empire Builder: https://www.herempirebuilder.com/

Instagram: https://www.instagram.com/tina_tower/?hl=en

Key moments:

00:00 Welcome and Introduction to Today's Guest

01:22 Mel Brown's Background and Achievements

03:44 Discussing Mel's New Book: Dare to Be Wealthy

04:26 Impact of Patriarchy on Women's Finances

05:09 Gender Differences in Investment Behavior

10:59 Mel's Personal Financial Journey

15:30 Challenges and Strategies for Women in Finance

23:20 The Importance of Language in Finance

26:58 Dealing with Negative Comments and Trolls

29:59 Rallying Positivity in the Face of Negativity

30:58 Balancing Public Persona and Personal Boundaries

34:36 The Drive to Keep Building and Giving Back

38:29 Empowering Women to Start Investing at Any Age

45:42 Navigating Debt and Investment Strategies

50:37 Secrets to a Successful Financial Education Business

56:07 Final Thoughts and Encouragement

About Melissa Browne:

Mel is an award-winning, ex-accountant, ex-financial advisor and now financial educator who is licensed to give general advice. She founded her own successful accounting and financial planning firm before selling to an ASX listed company just before Covid. Over the past 13 years, Mel has also written 5 books about business

and money including the global bestseller, Unf*ck Your Finances, and her latest book (released Feb 2026), Dare to be Wealthy.

So, she has the theory. But Mel also has the life experience. She grew up in the Western Suburbs of Sydney in a violent, often inconsistent household and came back from less than nothing in her early thirties, after giving all of her money to charity (a move she instantly regretted). Despite these starts, set-backs and mistakes – she is now a multi-millionaire gaining financial independence from the strategies she put in place for herself. Mel genuinely believes, as a result of her own story and working with tens of thousands of women and families, that understanding how to build wealth shouldn't be abdicated or just for the select few who can afford it – but is something that everyone can achieve.

Mel is regularly asked to comment on money and finances making regular TV and radio appearances including Triple J's The Hack, the Today Show, Weekend Sunrise, Weekend Today, Sky Business and The Daily Edition. She has also been featured in or written articles for a variety of places including CEO Magazine, Cosmopolitan, Who, Vogue, Yahoo Finance and had a fortnightly column in the Sydney Morning Herald and Melbourne's Age for 7 years.

Is the online course industry dead? Not even close, but the $2K prerecorded course model definitely is. If your launches feel stale, your webinars aren't converting, or you're wondering how to compete in an AI-saturated market, this episode breaks down exactly what's working now: deeper transformation, always-on sales systems, intimate experiences that scale, and how to use AI without losing your human edge.

Where to find Tina Tower:

Her Empire Builder: https://www.herempirebuilder.com/

Instagram: https://www.instagram.com/tina_tower/

YouTube: https://www.youtube.com/@herempirebuilder

Happy New Year! As we step into 2026, I am embracing a new vibe. It's a fresh approach to the podcast, social media and how I'm running, well, everything. I'm talking about experimentation and failure, dropping the facade of perfection and the practical things I'm changing this year to have more fun.

Let me know what you're changing to be more aligned in 2026!

Resources:

Get on the waitlist for the Her Empire Builder launch here: https://www.herempirebuilder.com/waitlist

Check out Welcome to Adulting here: https://www.welcometoadulting.co/

And that viral social post here: https://www.instagram.com/p/DQ3gk8aEZWz/

YouTube: https://www.youtube.com/@herempirebuilder

In the last episode of the year, Tina Tower invites you to close out 2025 with intention, reflection, and rest. This isn't about squeezing out more results—it's about acknowledging your progress, letting yourself feel proud, and entering the holiday season with peace and presence. Whether you're celebrating big wins, learning from missteps, or simply embracing rest, this episode is your gentle reminder: you have done enough.

• Gratitude and Celebration: Tina Tower thanks all listeners for their support throughout the year and encourages everyone to reach out via Instagram for some holiday cheer.

• Closing the Year with Intention: Instead of succumbing to end-of-year pressure, consciously reflect on both your achievements and areas for growth.

• Reflection vs. Review: Go beyond numbers—journal or record reflections on personal growth, habits, what you let go of, and what you're proud of.

• Pause Before Planning: Don't rush into planning for 2026. Take time to rest and integrate lessons learned before setting new goals.

• Rest is Productive: Stepping back and allowing yourself a real break is vital. Your best plans come from a place of restoration, not exhaustion.

• You Are Not Behind: Success doesn't happen on a fixed timeline. Trust your journey, accept the ups and downs, and acknowledge that you are exactly where you need to be.

• Celebrate Yourself: Take time to recognize all you've accomplished—especially as a solopreneur. Create your own year-end rituals and gratitude letters.

• Close with Ritual: Finish the year with a physical or symbolic ritual—clear your space, write thank you notes, and unplug.

• Set Your Intention for the New Year: Choose how you want to enter 2026—rested, full-hearted, and ready.

As you wrap up this episode—and this year—I hope you give yourself the gift of slowing down, breathing deeply, and honouring just how far you've come. Let this be your permission slip to close 2025 with softness, gratitude, and trust in your own unfolding. You don't need to earn your rest; you've already done more than enough. So step into the holiday season with presence, celebrate the human behind all the hard work, and allow yourself to enter 2026 restored, grounded, and ready for what's next.

Free Canva Annual Planner: https://www.herempirebuilder.com/planner

Where to find Tina:

Her Empire Builder: https://www.herempirebuilder.com/

Instagram: https://www.instagram.com/tina_tower/

YouTube: https://www.youtube.com/@herempirebuilder

In this reflective and inspiring solo episode, Tina Tower shares her most impactful business and personal lessons from 2025. As the year draws to a close, Tina pulls back the curtain to reveal the decisions, pivots, and strategies that led to her most expansive, profitable, and joy-filled year to date.

• Design Your Business Around What Matters: Tina Tower emphasizes aligning your business to your values and lifestyle goals, highlighting how she achieved the best balance ever this year.

• Information Courses Are Dead: There's a major industry shift; pure information is now easily accessible via AI. What sells is transformation, accountability, and live, high-touch elements tailored for true results.

• AI Is a Game Changer: Tina Tower leaned heavily into AI, streamlining operations and freeing up more time for client connection and creativity. She discusses specific tools (Delphi, Freepik, custom GPTs) and how they enhanced delivery and impact.

• Brand Consolidation for Simplicity: After experimenting with multiple spin-off brands, she consolidated everything back under Her Empire Builder for clarity and ease—making the customer experience and promotions much simpler.

• Small But Mighty Team: Tina Tower optimized her team to just a few core members, focusing on high trust, strong culture, and prioritizing profitability and lifestyle over scale.

• Evergreen Funnels & Consistent Revenue: Significant investment and effort in building robust evergreen funnels and leveraging affiliate sales have enabled consistent revenue throughout the year, reducing launch dependence.

• Prioritizing Health & Energy: Personal wellbeing had a transformative ripple effect on her business performance, boundaries, and overall happiness.

• Strong Boundaries Create Greater Joy: Being intentional and sometimes "selfish" with time and commitments allowed Tina Tower to focus energy where it mattered most.

• Travel & Creativity: A year rich with travel (both for work and leisure) fuelled creativity and underscored the importance of enjoying success along the journey—not just at "retirement."

• Intimate Masterminds Are Most Impactful: Smaller groups and deeper connections have delivered more value both for members and for Tina's fulfillment as a coach.

As you reflect on these lessons, let them be an invitation to design a business and a life that feels both profitable and deeply fulfilling. 2025 proved that success isn't about doing more, but about doing what matters with clarity, intention, and joy. As you move into a new year, may Tina's insights remind you that you can simplify, elevate, and still create extraordinary impact. The future is bright, and the best chapters are yet to be written.

Resources Mentioned:

Entrepreneurs Holiday Survival Guide: https://www.herempirebuilder.com/break

Where to find Tina:

Her Empire Builder: https://www.herempirebuilder.com/

Instagram: https://www.instagram.com/tina_tower/

YouTube: https://www.youtube.com/@herempirebuilder

The holidays are fast approaching, and Tina Tower is here with a special survival guide for entrepreneurs who want to enjoy the festive season without letting their businesses fall apart. In this episode, Tina Tower breaks down how she transitioned from working through the holidays to taking a whole month off, and shares actionable strategies to plan ahead, maintain business continuity, avoid financial slowdowns, and set personal boundaries so you can truly rest and recharge.

• To Holiday or Not to Holiday?

  • Tina Tower shares her journey from hustling through Christmas to giving herself—and her business—a well-deserved break.

  • Why taking time off is vital for entrepreneurs, and how it helps both personal wellbeing and business growth.

• Avoiding Last-Minute Stress

  • The importance of planning ahead so you're not overwhelmed when holidays arrive.

  • Creating two separate to-do lists: "Before Break" and "After Break."

• Maintaining Business Continuity

  • How to keep things running smoothly while you're offline, including automation, batching, and leveraging team support.

  • Tips for setting up autoresponders, scheduling social and email content, and communicating clear boundaries with clients.

• Preventing Financial Slowdowns

  • Setting up holiday promotions (like the "12 Days of Christmas" sale) and automating offers to ensure revenue keeps coming in, even when you're away.

• Setting Personal Boundaries

  • Tools and tricks for unplugging, including using apps like Opal to help limit work distractions.

  • Communicating with your team and clients far in advance, so everyone knows what to expect.

• End-of-Year Prep

  • Reviewing budgets, cash flow, and tax obligations before taking time off, so you return refreshed and ready.

  • How a proper mental break leads to creativity and renewed energy.

Taking time off isn't a luxury—it's essential for both you and your business. Plan ahead, set boundaries, and put systems in place so you can enjoy the holidays guilt-free, keep things running smoothly, and return refreshed and ready for the New Year.

Resources Mentioned:

• App: Opal (social media blocker) https://www.opal.so/

• Entrepreneurs Holiday Survival Guide: https://www.herempirebuilder.com/break

Where to find Tina:

Her Empire Builder: https://www.herempirebuilder.com/

Instagram: https://www.instagram.com/tina_tower/

YouTube: https://www.youtube.com/@herempirebuilder

In this heartfelt episode, Tina Tower explores the very real experience of self-doubt as a business owner. Drawing from over two decades in business and personal moments of vulnerability, she shares tangible strategies for recognizing, managing, and overcoming self-doubt at every stage of your entrepreneurial journey.

Key Topics Covered

• Self-Doubt Is Part of the Entrepreneurial Ride

  • Tina Tower normalizes self-doubt, sharing personal stories from her own journey, including reaching 100 members in Her Empire Builder and facing challenges after her son's accident.

• How Self-Doubt Shows Up

  • Procrastination, endlessly tweaking but never launching, underpricing offers, avoiding visibility, and seeking constant validation—all signs of self-doubt.

• Real-Life Solutions and Mindset Tools

  • Naming your self-doubt

  • Using journaling prompts:

    • What would I do if I fully believed in myself?

    • What is the actual fear behind my hesitation?

    • Where have I succeeded before, and what did it take?

  • Reframing failure as part of the messy middle and essential to growth

• The Power of Community and Support

  • Letting yourself be supported by others, especially in tough times

  • Building cheerleader circles and masterminds for external perspective

• Managing Comparison and Keeping Focus

  • Advice on running your own race and putting blinders on to avoid comparison-itis

• Confidence Is Built by Action

  • Confidence doesn't come before success—it grows from repeatedly showing up and taking micro steps

• Protecting Your Energy

  • The importance of morning routines, listening to inspiring content, reducing social media usage, and staying connected to your purpose

• Celebrating Small Wins

  • The value of keeping a "proof file" of positive feedback to revisit during low-confidence moments

• Knowing When to Rest

  • Recognizing the difference between true self-doubt and just needing to recharge

As you step back into your day, remember that self-doubt is simply part of building something meaningful—not a stop sign. Keep taking those small, brave steps, lean on your people when you need to, and celebrate every win along the way. You're doing better than you think, and your confidence will keep growing each time you show up.

Resources Mentioned:

• Books: "No Bad Parts" by Richard Schwartz; "Self Help" by Gabby Bernstein; "Epic Retirement" and "Prime Time" by Beck Wilson

• App: Opal (social media blocker) https://www.opal.so/

Where to find Tina:

Her Empire Builder: https://www.herempirebuilder.com/

Instagram: https://www.instagram.com/tina_tower/

YouTube: https://www.youtube.com/@herempirebuilder

In this episode, Tina Tower dives deep into strategies for achieving consistent sales in your online business without falling into the launch-only trap. She shares her own experience, highlighting the importance of combining evergreen funnels with live launching to avoid burnout and feast-or-famine cycles. Tina provides actionable advice on building evergreen offers, optimizing funnels, leveraging content, and maintaining authentic selling, all designed to help listeners create sustainable, scalable revenue year-round.

Key Topics Covered

• The drawbacks of relying solely on live launches

• Evergreen funnels and systems for consistent weekly sales

• Monthly recurring revenue from memberships and masterminds

• The importance of lead generation, and how to grow your email list

• Creating compelling lead magnets and testing for conversions

• Building and optimizing automated email sequences for follow-up sales

• Organic growth vs. paid ads and which is right for your business stage

• Using weekly content (like podcasting) and soft selling in your regular output

• Strategic bonuses and flash sales to drive urgency for evergreen programs

• Incorporating live touchpoints into evergreen programs for increased results and connection

• Tracking key metrics to tweak and optimize your business systems

Actionable Takeaways:

• Build out an evergreen funnel for your signature offer that's available year-round.

• Create high-value lead magnets and test regularly for the best conversions.

• Maintain a consistent lead generation engine with weekly content (podcasts, emails, Instagram, etc.).

• Optimize your automated email sequences—many evergreen sales happen in the follow-up!

• Consider strategic use of paid ads (especially if starting out) vs. organic growth.

• Offer bonuses or limited-time perks to create urgency for evergreen sales.

• Add live Q&A or touchpoint sessions as value-adds to evergreen programs.

• Track key data weekly (leads, conversions, email performance, etc.) to guide business decisions.

• Use soft but clear calls to action in all content; don't hide your offers.

By using evergreen funnels, high-value content, and strategic live touchpoints, you can create consistent, year-round revenue without the stress of launch-only sales. Track your metrics, optimize your systems, and nurture your leads to build a predictable, scalable business that grows sustainably.

Resources Mentioned:

Deadline Funnel software for creating urgency with evergreen offers

https://www.deadlinefunnel.com/?via=tina-tower

Her Empire Builder free resources: herempirebuilder.com/free

Where to find Tina:

Her Empire Builder: https://www.herempirebuilder.com/

Instagram: https://www.instagram.com/tina_tower/

YouTube: https://www.youtube.com/@herempirebuilder

In this insightful episode, Tina Tower dives deep into how building a personal brand can be one of the most powerful, leveraged assets for entrepreneurs—especially course creators, thought leaders, and those seeking longevity in their business journey. She shares candid stories from her own evolution and breaks down the scalable pillars that help you stand out and thrive in today's business landscape.

• Personal Brand vs Business Brand:

  • Tina Tower shares her early days of physical hustle—newspaper ads and flyers—before realizing the potential of personal branding for free, scalable visibility.

  • Personal brand isn't about your logo or colors; it's about you, your story, and your unique perspective.

• Evolution and Authenticity:

  • The journey from projecting what you "should be" to genuinely showing up as yourself, as Tina Tower recounts her shifts through various business stages and fashion choices.

  • Examples from fellow entrepreneurs like Naomi Simpson highlight how a signature style (like always wearing red) can become a memorable brand cue, yet it's okay to evolve.

• AI's Impact on Personal Branding:

  • Tina Tower discusses leveraging AI to scale her expertise, but emphasizes the irreplaceable connection that comes from real human interaction.

  • As technology accelerates, authentic personality remains the differentiator.

• Why Personal Brand Matters:

  • Trust, connection, and aligned clients are all built through personal brand.

  • Success and credibility from previous ventures carry over, so you never start from scratch when you've cultivated reputation.

  • Personal brand attracts the "right" people and repels those you're not aligned with—a competitive advantage and a filter.

• Pillars of Scalable Personal Brand:

  • Message: What are you known for? Is your content reflecting this consistently?

  • Media: Cultivating visibility through podcasts, newsletters, social media, articles—be consistent but don't feel pressured to be everywhere.

  • Momentum: Stay visible; use systems, repurpose, and don't let fear of judgment hold you back.

• Overcoming Fear & Judgement:

  • Common blocks like the fear of being "too much" or "not enough," and worrying what friends or family might think.

  • Tina Tower shares practical approaches to quiet those fears and stay focused on your business and personal growth.

• Practical Steps:

  • Build teams and systems once you're earning over $100k to amplify your brand.

  • Collaborate, seek out media features, and show up with confidence and conviction.

  • Get feedback from trusted peers to ensure your brand matches your intentions and current evolution.

As Tina reminds us, your personal brand isn't something you create once—it's something you live and evolve. It's the ongoing story of who you are, what you stand for, and how you show up for the people you serve. Whether you're just starting out or refining your next chapter, remember: your greatest business asset is you. So keep showing up with courage, consistency, and conviction—because the world doesn't need a more polished version of you, it needs the real one.

Where to find Tina:

Her Empire Builder: https://www.herempirebuilder.com/

Instagram: https://www.instagram.com/tina_tower/

YouTube: https://www.youtube.com/@herempirebuilder

In this episode, Tina dives deep into the psychology and strategy behind selling high-ticket courses and masterminds. She explains why selling high-ticket can actually be easier and more rewarding than selling low-ticket offers, and uncovers the essentials needed to communicate, create, and deliver transformational high-end programs.

• Why High-Ticket Is Easier to Sell Tina reveals that selling a $15,000 program often takes the same effort as selling at much lower price points—so why not aim higher? High-ticket programs typically foster greater transformation and deeper relationships.

• Conversion Psychology for High-Ticket Offers Selling high-ticket is not about slick marketing—it's about true connection and deep understanding. Buyers of premium offers are looking for certainty, transformation, relevance, trust, and community.

• Sales Process for High-End Programs Instead of mass marketing, Tina emphasizes personal connections and outreach. She shares how she fills her masterminds (Impact Mastermind, Empress Circle) through curated invitations and powerful relationships—no need for public sales pages or social media blasts.

• What High-Ticket Buyers Really Want

  • Certainty and confidence that the offer delivers results

  • Transformation, not just information

  • Relevance to their situation and goals

  • Trust in the mentor or facilitator

  • Real connection and belonging in a curated community

• Positioning and Messaging High-ticket offers require clarity, confidence, and authority. Focus messaging on attracting the perfect-fit client—you're not trying to be everything to everyone.

• Conversion Triggers & Emotional Drivers Status, certainty, safety (including confidentiality), belonging, and urgency are all powerful triggers for high-ticket buyers. Foster a safe environment and screen participants carefully.

• Discovery Calls & Webinars The goal of calls is to find the right fit, not just "make the sale." Tina shares a personal story of a mastermind misfit and stresses the importance of proper screening for energy and alignment.

• Mindset of the Premium Seller Detach from needing the sale, focus on leadership and conviction, and price based on value and transformation, not just deliverables or hours.

Selling high-ticket offers isn't about harder selling—it's about leading with confidence, connection, and conviction. When you focus on transformation over transaction, your offers—and results—elevate naturally.

• High-End Offer Menu: https://www.herempirebuilder.com/menu

• Apply for Tina's Masterminds (2026 intake): Visit herempirebuilder.com/mastermind

Where to find Tina:

Her Empire Builder: https://www.herempirebuilder.com/

Instagram: https://www.instagram.com/tina_tower/

YouTube: https://www.youtube.com/@herempirebuilder