Her Money Matters

Her Money Matters

By Naomi HolmesBusinessInvesting
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Her Money Matters episodes

  • 07 Wicked Games and Taking Back Your Power - From Financial Coercion and Control to Freedom
    What happens when you realise you’ve been playing by someone else’s rules with your money and it’s time to take the pen back and write a new story?
     
    In this episode of Her Money Matters, we use Chris Isaak’s haunting Wicked Game as the soundtrack to a conversation about regaining control, rebuilding confidence, and designing a financial future on your own terms. You’ll hear:
    • How financial control can creep in and how to recognise when it’s happening
    • Helene’s inspiring story of reclaiming her independence and rewriting her financial life
    • The practical steps that helped her move from confusion to clarity and confidence
    • Why knowing your numbers is one of the most powerful tools for freedom and choice
     
    By the end of this episode, you’ll feel uplifted and inspired by what’s possible when you decide to take ownership of your money and your future.
     
    If you’d like support in building clarity and confidence with your finances, you can find out more about coaching at:
    https://www.hermoneymatters.com.au/coaching
     
    So join us for this powerful episode because you deserve to be in the driver’s seat of your financial life, and it’s never too late to take it back.
    48 min
  • 06 Your Never Ending Money Story - How It Shapes Your Habits and Beliefs
    We all have a money story. It’s shaped by our upbringing, what we learned (or didn’t) about money, our life experiences, and the beliefs we’ve carried along the way. And the good news? Your story isn’t fixed. 
     
    In this episode of Her Money Matters, we’ll use a little pop culture nostalgia—yes, we’re talking The NeverEnding Story—to unpack why your financial past doesn’t have to define your future. You’ll discover:
    • How your upbringing shapes your beliefs about money
    • Why education is key to rewriting your financial story 
    • How your lived experiences with money influence the choices you make today
    • The most common limiting beliefs that hold women back—and how to start challenging them
     
    You’ll also hear a powerful real-life story of a client who completely transformed her money mindset and changed her trajectory—and how you can do the same.
     
    💡 At the end of this episode, you’ll feel clearer on your money story, more confident about what’s shaped it, and ready to start writing a new chapter—one that puts you in charge of the ending.
     
    👉 If you’d like support in unpacking your money story or building a clear plan for what’s next, you can find out more about coaching at:
    https://www.hermoneymatters.com.au/coaching
     
    So tune in, grab a notebook, and let’s dive into your money story—because it’s never too late to change the narrative.
    32 min
  • 05 From $10k to Financial Freedom - What every Independent Woman needs to know about Investing
    In true Independent Women fashion, this episode is all about learning what most of us were never taught: what you need to know about investing and demystifying the jargon. Destiny’s Child gave us the anthem, but being an independent woman today also means knowing how to invest, build wealth, and make confident financial decisions.
    So in this episode we will focus on:
    • The four main asset classes
    • What benchmarks are really telling you
    • Why compound interest is the quiet achiever of the investing world
    • And how one woman’s $10K inheritance could’ve turned into $237K if only she’d known what to do with it
      This isn’t about being perfect. It’s about being informed so that when the money does land in your lap, whether through inheritance, divorce, or decades of hard work — you’ll be ready.
      🎶 You’re an independent woman. Let’s make sure your money is too.
      47 min
    • 04 Show Me The Money - The Surprising Secret to Building Wealth
      We often think wealth is about earning more but the real magic happens when you keep more of what you earn. That’s where surplus cashflow comes in. It’s not flashy, but it’s one of the most powerful ways to build long-term financial security, and it’s completely within your control.
       

      In this episode of Her Money Matters, we break down why surplus cashflow is potentially the single biggest key to building wealth. You’ll learn:

      • Why earning more doesn’t always mean getting ahead

      • What surplus cashflow actually is (and why it’s not about restriction)

      • How to spot the hidden leaks in your money habits

      • And how a few simple tweaks can help you create the breathing space to save, invest, and plan for the future

        We’ll also talk about how to reframe budgeting—so it feels less like punishment and more like empowerment.
         
        💡 Need a tool to help you get started? I’ve included a link to the MoneySmart Budget Planner, a free and practical tool that makes tracking your money simple and clear.
        👉 https://moneysmart.gov.au/budgeting/budget-planner
         
        If you’d like help getting clear on your cashflow and how to use it to build the life you want, I offer personalised financial coaching. You can find out more at:
        👉 https://www.hermoneymatters.com.au/coaching
         
        So tune in, grab a notebook, and let’s start showing you the money—because wealth starts with what you keep.
        43 min
      • 03 Sweet Dreams Are Made of This - Building Your Dream Retirement
        We all have a vision of what retirement could look like—slow mornings, blue skies, freedom to do what you love (and none of what you don’t). But how do you go from daydreaming to actually designing a retirement that works?
         
        In this episode of Her Money Matters, we unpack what it takes to turn sweet dreams into reality. We’ll walk through the key questions you need to be asking right now:
        When will you retire?
        How much income will you need? (This is where we find your number.)
        And how much capital will you need to make that income last?
         
        Once we’ve explored those pieces, we’ll talk about how to start building a plan that’s clear, doable, and designed just for you. Because your dream retirement shouldn’t be left to chance—it should be shaped by choice.
         
        If you would like help planning your own retirement, I offer personalised financial coaching sessions.  You can find out more at: https://www.hermoneymatters.com.au/coaching. 
         
        So tune in and let’s start connecting your numbers to your vision—because sweet dreams are made of this.
         
        SHOW MENTIONS:
         
        ASFA 'Moderate Versus Comfortable Lifestyle' https://www.superannuation.asn.au/wp-content/uploads/2025/06/ASFA_Retirement_Standard_Budgets_Mar_25_quarter.pdf
        36 min
      • 02 Money for Nothing - 6 Ways to Help Your Kids into the Property Market
        As much as we loved that Dire Straits song back in the day, there’s no such thing as money for nothing - especially when it comes to your kids! In this episode, I explore the topic of ‘The Bank of Mum and Dad’, and 6 of the most common ways parents are supporting their kids into the property market.  I will discuss things like whether to ‘gift’ or to ‘loan’ your kids the money for a deposit, and the things you need to consider about these two options.  We look at going guarantor, covering upfront costs or even buying a property together.  Each one comes with things you’ll want to understand before jumping in.   
         
        Very importantly, before you hand over money, sign on as a guarantor, or share property ownership, it’s so important to understand your own financial position. I’ll talk you through what to consider so that any help you give is thoughtful, sustainable, and doesn’t come at the expense of your own security.
         
        Just remember – money isn’t for nothing!  The support you give your kids has impacts both you and them, and it’s okay to take a step back and make sure you’re in the right position to offer it. Because… Your Money Matters.
        26 min
      • 01 Start Me Up - From Humble Beginnings to New Beginnings
        Welcome to the first episode of Her Money Matters. The title, 'From humble beginnings to new beginnings' outlines that I didn't grow up with money and I certainly didn't learn about it at home or at school, but through a life changing sliding doors moment, I was presented an opportunity to learn about money - one that changed my life forever. 
        In this episode, I share what this podcast is all about and what you can expect from each episode. I also talk through my own money story in three parts: the lessons I learned growing up and from my upbringing, the formal education I’ve invested in, and the personal experiences that shaped how I’ve applied the financial knowledge I have learnt.
        I finish with why I started Her Money Matters as I think it is important to in this inaugural episode to outline how the many different parts of my life have led me to this place where I genuinely want to make a meaningful difference in the financial lives of women.
        This is the start of something that matters deeply to me, and I’m so glad to have you here from the very beginning.
        45 min

      About Her Money Matters

      From the publisher's feed

      Her Money Matters is the podcast helping women take ownership of their money and shape the future they want. Hosted by Naomi Holmes, a Financial Educator and coach with over 28 years in the…