Keep The Change

Recording from a doctor’s office before a PRP facial, Coco Dee expands on “girl math” and how jokingly justifying spending (like buying more because it’s on sale) can keep women stuck, especially those who already struggle with money. 

Coco reframes money as a simple game with clear parameters, pointing to compound interest as proof of how powerful small, consistent choices can be over 10–20 years and how “girl math” can compound against you, too. 

Her core reminder is that today’s decisions are seeds: you often feel the results two to three years later, just like training or leaving an unhealthy relationship has a messy middle before the payoff. 

She encourages being expansive, but not reckless, and to make choices that build wealth, legacy, or a financial buffer.

00:00 Doctor Office Intro

00:26 What Girl Math Means

02:01 Money Game and Compounding

03:41 Choices Plant Seeds

05:01 Messy Middle and Rewards

06:03 Garden Analogy for Money

06:26 PRP and Skin Investment

07:08 No Scrooge Final Reminder

07:33 Wrap Up and Goodbye

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Coco shares a clip from the  Women’s Wealth Week workshop on adding immediate cash flow to household and business budgets (often $100–$400+ per week), emphasizing that cutting expenses isn’t the only lever and that income goals must be worked backwards with tax to reach the desired post-tax amount. 

Participants discuss targets (including replacing lost or part-time income), burnout, and time constraints, while the speaker offers practical, non-glamorous ways to earn more by solving everyday problems child pickup support, ironing, domestic cleaning, lunch prep, dog walking/poo pickup, bin cleaning, letterbox dropping, mending, driving neighbors, display home hosting, renting storage or space, and delivery work like Uber Eats, paired with setting boundaries, family buy-in, and short-term discomfort. 

The session also addresses mindset blocks, especially guilt and fear of asking for money, reframing selling as helping and not deciding “no” on others’ behalf.

00:00 Welcome and Setup

00:18 Money Goals Workshop

01:42 Reality Check With Tax

03:33 Why Past Attempts Failed

05:24 Discomfort and Hustle Season

06:49 Grandma Helper Post

10:15 Family Buy In Boundaries

11:47 Skills That Pay Fast

12:46 Simple Side Hustle Ideas

15:25 Solve Real Problems

16:07 Behind the Scenes Grind

17:05 Childcare Build Delays

17:39 Start Simple Side Hustles

18:51 Rapid Fire Local Ideas

19:58 Bins and Boomers Market

21:08 More Low Effort Gigs

23:18 Why She Moved Abroad

24:18 Renting Space for Cash

25:29 Excuses and Money Mindset

28:07 Guilt Charging for Work

29:21 Beck’s Weekend Income Stack

31:54 Reframing the Ask

33:27 Closing Mom Gang Energy

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Coco welcomes her longtime friend Tamz to Keep The Change to unpack a Louis Theroux documentary on “the manosphere,” described as online communities and influencers focused on male identity, framed around men “losing power” and regaining dominance through money, status, and control often at women’s expense. They recommend watching the documentary (ideally with teenagers) and discuss how the featured figures monetize attention through livestream gifts, referral-style financial promotions, courses, and OnlyFans management, arguing much of it is performative rage-bait marketing. They highlight contradictions like demeaning sex workers while profiting from them, a “one-way monogamy” relationship, and claims dismissing women’s inventions, while noting fatherlessness and identity loss tied to provider roles. They compare this to predatory influencer dynamics in women’s spaces, touch on AI-driven economic shifts, and close with advice for women: education, asking questions, and maintaining financial literacy and independence (including having a separate bank account).

00:00 Welcome and guest intro

00:39 Why this documentary

02:16 Meet Tamz

03:17 Louis Theroux approach

04:21 What is manosphere

05:30 Teens and influence

06:47 Predatory marketing tactics

08:14 Performative misogyny exposed

10:30 Three figures overview

10:37 Hs Ticky Talky breakdown

13:39 Family dynamics and fatherlessness

16:25 How influencers profit

19:20 Teaching kids media literacy

21:29 Courses and reality TV effect

27:11 Trad wife parallels

28:59 Salesmanship and ethics

30:20 Unbothered For Pay

31:07 OnlyFans And Fresh Fit

32:09 Farmer Belle Case Study

33:35 Justin Waller Profile

37:18 Women Sphere Parallels

41:17 Dismantling Patriarchy

42:35 AI And Social Shifts

47:32 Smoke And Mirrors Wealth

50:18 Why Manosphere Rising

55:50 Financial Impact On Women

58:57 Never Be Dependent

01:02:44 Wrap Up And Goodbye

Instagram - Tamz Jade - https://tinyurl.com/u7npcymc

Tiktok Video - Myrone Gaines - https://tinyurl.com/fdw2yuz4

TIktok VIideo Nara Smith - https://vt.tiktok.com/ZSHJhjGNC/

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Coco shares a short, fiery snippet from Women’s Wealth Week day three, reminding listeners that even the wealthiest people have lost huge amounts of money and that losing money is often part of business. 

She unpacks the myth of “overnight success” with examples of long, behind-the-scenes timelines, including a singer-songwriter who spent 13 years writing for others before being asked to perform her own hit, and a friend whose simple Kindle strap idea became a multimillion-dollar product. 

Coco challenges the “cut your coffee” scarcity mindset, arguing small savings won’t meaningfully shift a household budget and can crush joy, and instead prompts listeners to identify what’s really stopping them from making more money, time, fear, habits, or not knowing what’s possible then to share their takeaways with her.

00:00 Podcast Intro and Snippet

01:20 Wealthy People Lose Money

03:26 Overnight Success Myth

06:07 Kindle Straps Shark Tank

08:12 Stop Scrimping Start Earning

10:19 What Blocks You From More

11:11 Wrap Up and Call to Action

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In this short, sharp episode from Women’s Wealth Week, Coco Dee  tackles the “I’m too old” story and why it makes us give up just as life is calling us forward. She shares powerful perspective-shifters like Anna Rose’s podcast interview with her 70-year-old mother, a single mum of five who survived domestic violence, kept going, and now owns her home and reminds us that success often comes later than we think (like Louise Hay becoming known at 68). 

Coco unpacks how we unconsciously seek evidence to validate victimhood, why chasing external validation keeps you stuck, and why problems don’t disappear with bigger income highlighting a founder with a $100M business still doing basic tasks herself and losing $50K without stopping. 

She closes by challenging vague “how” questions, urging better questions, intuition, and pointing listeners to episode 83, “The How.”

00:00 Welcome and Setup

01:11 Too Old Mindset

02:42 Stop Feeding Stories

04:09 Mom Guilt and Support

04:50 No One Owes You

06:08 100M Founder Reality

09:38 Go All In Intuition

10:33 Step Up Alternative

11:30 Ask Better Questions

14:38 Abrupt Cut and Wrap

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On day one of Women’s Wealth Week, Coco explores why women avoid money, drawing from audience responses such as feeling not smart enough, family money programming, fear of wrong decisions, scarcity beliefs, and fear of losing freedom or security. She focuses on the common fear of losing money, arguing that high earners lose money regularly and that risk and mistakes are part of wealth-building. 

She shares her own history of early property success, hitting a mindset “ceiling,” divorce, rebuilding from scratch, and losing millions multiple times, framing these losses as pivotal lessons. 

Coco challenges listeners to identify the real “why” behind their fear, confront comfort-zone attachment, reject toxic positivity, and choose the difficult actions that plant seeds for future results, including while parenting and navigating relationships.

00:00 Welcome And Theme

00:16 Chat Stories On Money

00:57 Fear Of Losing Money

02:41 Digging Into The Why

03:39 Audience Shares Real Fears

05:36 Host Money Backstory

08:41 Losing Millions Twice

09:34 Choosing Hard And Growth

13:09 Comfort Zone Questions

14:30 Comfort Zone Paradox

14:45 Fear of Losing Time

15:35 Partner Blame Story

16:44 Choosing Your Tradeoffs

18:11 Kids See Your Hustle

20:32 Postpartum Survival Mode

22:08 Luck Is Earned

24:41 Friends and New Doors

26:39 Aha Moments and Wrap

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In this episode of Keep the Change, Coco sits down with Kate to break down what due diligence (DD) really means: learning how to research opportunities, spot red flags, and make grounded decisions instead of emotional ones driven by FOMO. They open with an investment loss-and-recovery table to show why protecting capital matters like how a 50% loss requires a 100% gain to break even, and a 90% loss requires 900% and why understanding your downside tolerance humbles you, stabilises your emotions, and protects your long-term compounding.

Coco and Kate explain how “fantasy vs nightmare” thinking can distort judgement, why time and a second set of eyes help make blind spots conscious, and why you should never feel pressured or “bamboozled” by complex language or sales pitches. They share two real examples: a fund marketed as delivering 20% p.a. from Australian shares, and a leveraged crypto trading fund promoted by influencers claiming 12% per month. For the Australian share fund, Kate outlines practical DD checks: unclear strategy descriptions, guaranteed returns, missing ASIC licensing/registration, investors owning units in a structure rather than the underlying shares, liquidity realities of the ASX (especially for small caps), and a major red flag when the referrer said they “got in trouble” for questions. They also discuss incentives—referral fees, what’s “in it” for the person selling it—and why being told not to ask questions is a deal-breaker. Coco  notes ASIC later froze the fund’s assets and alleged it may be a Ponzi scheme, with some investors reportedly putting 100% of their self-managed super into it and losing everything.

In the crypto example, they describe how leverage and a lack of stop-losses led to an intraday volatility event that wiped accounts to zero, with some investors adding more money only to lose it immediately. They highlight behavioural warning signs: inflated hype, promises of replacing income easily, and marketing-driven “instant riches” narratives.

The core message: emotions and money don’t mix; preserving capital is the first job of an investor; ask hard questions, trust your intuition, diversify, avoid guaranteed returns, and walk away when things feel off. They encourage listeners to bet on themselves, move steadily over time, and not let losses destroy confidence and compounding. They invite DMs for questions, ask listeners to share the episode, and emphasise getting more money into the hands of women who are educated and wise about money for community ripple effects.

00:00 Welcome to Keep the Change + What ‘Due Diligence’ Really Means

01:29 Why Losses Hurt More Than Gains: The Investment Loss & Recovery Table

03:54 Staying Grounded: Emotions, ‘Fantasy vs Nightmare,’ and Avoiding FOMO

07:28 Make the Unconscious Conscious: Blind Spots, Second Opinions, and Taking Time

08:53 Real-World Cautionary Tales: Two Investments Going Wrong (Setting the Stage)

11:18 Case Study #1 The ‘20% p.a.’ Fund: Website Hype, Jargon, and Guaranteed Returns

16:27 Regulation & Control: ASIC Licensing, Ownership Structure, and Who Holds the Assets

20:30 Don’t Go All-In: Position Sizing & Capital Allocation Rules

21:32 The Liquidity Reality Check: Why 20% p.a. on Aussie Shares Can Be Impossible

23:53 Due Diligence Pushback: ‘Stop Asking Questions’ as a Major Red Flag

26:31 Structure & Security: Unsecured Investments and ‘Bet on Yourself’

27:55 Follow the Incentives: Referrer Fees, Pushiness, and Conflicts of Interest

29:55 ASIC Steps In: Fund Frozen, Ponzi Allegations, and the Human Cost

32:44 Wrap-Up Principles: Ask Hard Question

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In this episode of Keep the Change, Coco Dee records with her long-time friend Kate Moloney to unpack how market hype drives FOMO and emotional decision-making, particularly for people new to investing. They respond to a viral influencer rant about Bitcoin, noting its 42% drop in six months, and use it as a case study in human behaviour, emotional attachment to assets, validation seeking, and shaming others into buying. 

Kate shares her approach as a systematic share trader, using coded rules, backtesting, stress testing, and clear exit strategies without attachment, and contrasts this with all-in investing that creates nervous system volatility and poor decisions. Together they emphasise capital preservation, having an exit plan, diversification (even within the same asset class), keeping a cash buffer, and running worst-case scenarios. 

Coco shares a real business example from opening a childcare where delays doubled the cash required, reinforcing why buffers matter and why you should never invest money you can’t afford to have tied up. 

The episode wraps with a reminder to ignore online noise, avoid pedestal thinking, invest in line with your own risk profile, and let long-term strategy and compounding do the heavy lifting.

00:00 Welcome to Keep the Change + Meet Kate Moloney"

01:23 Why We’re Here: Debunking Hype, FOMO & “Not Financial Advice”

03:43 The Bitcoin Influencer Rant: What It Reveals About Investor Psychology

05:46 Systematic Trading 101: Rules, Backtesting & Zero Emotion

09:11 Capital Preservation & Drawdowns: Why Losses Hurt More Than You Think

13:59 Stress-Testing Any Investment (Property, Business, Anything)

17:22 Buffers & Diversification: Don’t Put All Your Eggs in One Basket

20:57 Get-Rich-Quick Myths vs Compound Interest (and Keeping Cash Aside)

22:55 Know Yourself: Risk Profile, Nervous System & Ignoring Online Noise

24:42 Lessons From Our Own Mistakes + Final Takeaways & Wrap-Up

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In this candid Keep the Change update, I share what I’ve been up to over the past couple of weeks, from celebrating my 40th birthday with surprise parties and family getaways to a deeper appreciation of how both long and short life really is. I then dive into one of the biggest lessons from 20 years in business and investing: time is your greatest asset, and short term thinking leads to emotional, fear based decisions that can wipe people out. I reflect on my early Queensland property portfolio, what I learned from liquidating during my divorce, and why I have no regret, only perspective. 

We talk cycles too, why 2026 is the peak, why new entrants will see different short term results than long term holders, and why steady compounding over decades beats chasing quick wins. I also unpack why money and emotions don’t mix, how I work with my own emotional authority, and why sowing seeds financially, physically, and personally requires patience. I share a behind the scenes look at my mindset work with Nathaly hypnosis, including a current challenge around believing in the permanence of wealth, plus what I’ve found genuinely effective for growth like the Demartini Method. 

I wrap with an update that I’m doing an AI course in February 2026, heading to Australia for a week, and will likely record more episodes soon, 

Also just a reminder to share the podcast and sign up for the summit below. 

00:00 Welcome Back: Raw Audio, No Studio Needed

01:20 Life Update: 40th Birthday Celebrations & Gratitude

02:14 Life Is Long and Short: Time, Wealth, and Patience

03:46 Lessons From Early Property Investing (and Letting Go of FOMO)

04:57 Cycle Talk: Stop Chasing Quick Wins, Think Long-Term

07:51 Money + Emotions Don’t Mix: Sleep on Big Decisions

09:22 Sowing Seeds: Why Growth (and Gains) Take Time

10:09 Behind the Scenes: Self-Judgment, Mindset Work & Hypnosis

12:48 Breaking the Pattern: Building Permanent Wealth (Ego Pushback)

16:48 Coaches, Therapy, and What Actually Works (DiMartini Method)

19:10 What’s Next: AI Course, Australia Trip, and Final Notes

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Hypnosis with Nathaly | Oracle

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In this soul-stirring episode, I go straight for the heart: how guilt is quietly sabotaging your next level of expansion; in wealth, impact, joy and unapologetic living.

We’ve all felt it: that subtle (or not-so-subtle) voice whispering you don’t deserve more, that wanting bigger is “greedy,” that success might come at someone else’s expense, or that past mistakes mean you have to stay small to “make up for it.” But guilt isn’t just an emotion; it’s a contraction that blocks the flow of money, opportunities, and sovereignty.

So when everyone else is buying into the hysteria, worrying about missing out and what their friend group is going to think of them; you are happily building and creating what it is you have always wanted, without a care in the world for what anyone thinks of you.

That, to me, sounds like bliss and what dreams are made of. This can be you too!

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