Financial freedom is a mindset, not a milestone.

Today’s guest is Queenie Tan, the financial guru helping people reframe their relationship with personal finance.

Through her platform, ‘Invest with Queenie’ and recently published book ‘The Fun Finance Formula’, Queenie is on a mission to prove your money doesn’t have to be a source of stress or deprivation, and instead, a wealth of opportunity.

Growing up, Queenie saw the extremes of both her father's frugality and her mother's belief that money was for enjoying life, which led to a personal struggle with finding balance.

Now, her work is guided by the "three Fs"—Foundation, Fun, and Freedom—a framework she uses to help people balance their budgets and lives.

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Simple principles to transform your financial habits - that’s what this podcast is all about. It’s also a philosophy our next guest on The Pay Off is sharing with the world.

Ben Nash is a financial advisor, best-selling author, and the man behind Pivot Wealth. He’s all about making smart moves with your money, so that you don’t have to sacrifice your lifestyle or give up on your dreams. 

In the episode, Ben talks about the 5% rule, investment strategies, the most common questions he receives on social media, the foundations of a good ETF and the risk vs. reward argument around Crypto.

Ben’s new book, Virgin Millionaire; the step-by-step guide to your first million and beyond is out now on Amazon|Audiobook. If you want some help with your money and investing, you can book a call with Pivot Wealth here.

Disclaimer: The information contained in this episode is general in nature and does not take into account your personal objectives, financial situation or needs. Therefore, you should consider whether the information is appropriate to your circumstances before acting on it, and where appropriate, seek professional advice from a finance professional.

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Retirement isn't an end—it's the start of your most epic chapter.

So, forget everything you thought you knew about retirement because Bec Wilson is here to redefine it.

In today’s episode, Bec gives a step-by-step guide crafting a retirement which isn't just about ceasing work, but about beginning a new, purpose-filled chapter.

Bec also talks about why young Aussies should care more about their Super, how you can plan for an epic post-work life and the question on everyone’s lips: at what age can I actually retire?

She also gives an exclusive sneak peek into her latest project, the Epic Retirement Tick.

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What does it take to rebuild your career after navigating one of the toughest storms?

This week on The Pay Off, Sylvia sits down with Christine Holgate, the former CEO of Australia Post and Group Executive Chairman of Team Global Express.

Christine’s career has been marked by both incredible success and immense public scrutiny. But what many people don’t know is that she went from sitting on the brink of homelessness to becoming one of the most powerful women in business. 

In this episode, Christine speaks about life when she didn’t have a dollar to her name, identifying strategic problems within AusPost, the impacts of Cartier-Watch Gate and her advice for people facing setbacks. 

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You likely know Sam Wood as the handsome bloke from The Bachelor in 2015 or maybe you’ve seen the popularity of his 28 by Sam Wood workouts online… 

Today, you’re about to see a new side to Sam. 

In this episode, Sam talks about the impact of losing his mum at just 15-years-old, how he fell into the fitness world because he had “no other options”, the genuine ROI by looking after your health, his take on modern masculinity and what’s next for his business. 

This chat is way more than a conversation about saunas and ice baths… It’s YOUR reminder that life is short and sometimes you’ve got to take the risk. 

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Traditional 9-5 jobs are getting the sack.

The challenge is no longer just landing a job—it’s staying relevant, employable, and ahead of the curve. How do we future-proof our careers when the rise of AI makes us fear becoming replaceable?  

In today’s episode, Sylvia chats to Bianca Hartge-Hazelman, the Co-founder, Editor and CEO of Financy HQ about the gender pay gap, the rise of AI and why you need to start networking. 

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Boost Juice, Shark Tank and Survivor Australia all have one thing in common… Janine Allis. 

She’s the uber successful business mogul with the impressive resume to match, and today, she’s sharing all of her insights on The Pay Off. 

In this episode, Janine shares a few unexpected (and unbelievable) travel stories from her 20s, her thoughts on ‘imposter syndrome’ , how Boost Juice went from an idea to a 900-store business and what makes for a successful business pitch.

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“A Lululemon ambassador and influencer”.

That’s how some media outlets described today’s podcast guest, Milly Rose Bannister, earlier this year after she appeared at Parliament House to break down the Federal Budget for young people… 

Milly is the founder of the Gen Z mental health charity ALLKND… Funny that this undeniably impressive undertaking didn't get a mention in her introduction or title? (Note: Sarcasm present). 

In today’s episode, Milly unpacks her passion for helping young people find their purpose and their people, reducing anxiety and eliminating the loneliness epidemic which has its grip firmly on the younger generation.

• Milly's Instagram: www.instagram.com/millyrosebannister/
• ALLKND's free mental health training: www.allknd.org/goodmatetraining
• Cause Club volunteering events: www.allknd.org/causeclub
• Mental health helplines: allknd.org/help

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Sometimes, the best way to talk about something difficult is to find a way to laugh about it. 

That's exactly what my guest today, Mark Humphries, does. He’s a master of using satire to tackle tough topics, from the political arena to the current economic climate.

Mark is on The Pay Off to discuss his new documentary, SOLD! Who Broke the Australian Dream?, which looks at the growing housing crisis issue. 

In this episode, Mark talks about his personal drive to explore this topic, why it’s not just about buyers but also renters, his advice for anyone pursuing a career in comedy and unheard stories from the Logies.

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It’s official - were deep in an affordability crisis.

So, can someone explain why young people are still paying so much tax and struggling to get a foothold in the housing market? We’re all ears.

Cost-of-living pressures are through the roof, homeownership feels out of reach, and "bracket creep" is quietly eroding our hard-earned dollars.

Leading the charge for a fairer system is Allegra Spender, the Independent MP for Wentworth. In this episode, Allegra talks about her bold tax reform plan, why she's standing as a 'teal' independent, negative gearing and the controversy surrounding flexible work. 

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