The Pay Off with Sylvia Jeffreys

In our teens, most of us are figuring out our laundry. But Andrea Horwood was launching a magazine that would define a generation: Australian Style. And she hasn't stopped since then.

Andrea is the ultimate serial entrepreneur: from that legendary magazine to creating the Australian summer staple, Invisible Zinc, and the globally successful wellness brand, WelleCo. Andrea has an insider's perspective on what it takes succeed again and again - using research, finding potential, pioneering impactful new products and doing it all in a way you can be proud of.

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Amidst the potential for unprecedented prices at the bowser and the checkout and likely increases to interest rates, Nine News Money Editor and consumer champion Effie Zahos tells us everything we need to know to stay financial afloat. 

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Asher Keddie is, without a doubt, one of Australia's most loved actors - a title earned by many relatable and heartfelt roles. But the time in her career that feels most powerful and rewarding is happening now. 

In this conversation, she tells Sylvia:

• How she learned about life on set
• Pivoting roles, backing yourself and finding a voice
• Going into a business partnership that is meaningful to her
• The power of giving back
• Proving those who doubt wrong 

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With actions in the Middle East wiping billions from the market and from super, what are the crucial things we should (or shouldn't) be doing right now?

Chris Brycki, founder and CEO of Stockspot breaks it all down, including what is causing the volatility, how long it's likely to last, the biggest mistakes to make sure you avoid, as well as the potential opportunities that exist at this moment. 

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The panic you feel when checking your bank balance? The cycle of overspending or over-saving? It's not just about numbers—it's about the deep, unconscious money scripts running your life.

Dr. Shefali Tsabary, the clinical psychologist, New York Times best-selling author, and revolutionary thinker famously endorsed by Oprah joins The Pay Off to talk about our approach to money. 

Dr. Shefali shares how the ego dictates our decisions around debt, spending, and saving, how to conquer the paralysis of financial fear and how the emotional legacies of our childhoods shape our bank accounts today.

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Melissa Browne, author and financial expert, knows what it takes to build wealth as a woman on her own. But in the process, she encountered some barriers and obstacles that not only took her by surprise, but illuminated an insidious systemic problem faced by nearly all women.

Mel not only shares her raw powerful and personal story, but the exact methods and actions she took to rebuild her wealth. She also talks about:

• why the financial world wasn't built with women in mind
• how gendered language and ideas still create roadblocks
• what true wealth really means
• the unseen costs of menopause
• a better kind of 'girl math'

Find more from Mel, including her new book Dare to be Wealthy, here

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How do you win an Olympic medal when you’re locked in a dark room with a concussion?

In this powerful and raw chat, one of our most successful Winter Olympians of all time discusses what it took to reach the summit of her sport, the challenges she overcame, the power of belief, the thing that was even harder than competition (that she’s even more proud of) and a confession of what her own lack of financial literacy cost her.

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Sometimes the biggest secret to success isn’t a service or product, but about the strength of partnership.

Scott and Elle Madden are the dynamic couple behind the fast-growing health and athleisure brand, FWD Form. This isn't your typical success story; it's a testament to resilience forged through fire.

In today’s episode, these co-founders share the wild origin story of FWD Form, the financial and emotional challenges of being partners in life and business and why they prioritise consistency over quick-fix trends.

They candidly share the impact of unexpectedly losing both their fathers within weeks and the difficult realities of grieving while running a company.

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Grief isn’t the only cost of loss. 

Melissa Reader discovered this hard truth after living through the unimaginable: becoming a full–time caregiver to her husband, Mauro, whilst raising three young children and keeping their co–owned business afloat. This all came crashing down after Mauro passed away.

In today’s episode, Melissa is here to confront the financial aftershocks of serious illness and death that most of us are completely unprepared for. 

Melissa Reader is the CEO of Violet, a national NFP helping families plan for the later chapters of life, and founder and CEO of Vera, a digital platform supporting families through the ageing journey. Her work sits at the intersection of care, technology and wellbeing, helping people navigate later life with greater clarity, dignity and confidence - long before crisis hits.

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If you’re a full-time working parent who often feels like you just don't have time for this, I implore you to make time for this episode. 

Kate Reeves and Gemma Pranita are the powerhouse hosts of the viral podcast We Don’t Have Time For This and are today's guests on The Pay Off. They’re two childhood best friends who turned their time-poor, opinion-rich dynamic into a booming business.

We dive deep into the messy, glorious reality of working motherhood. Kate and Gemma share how they protected their friendship while building an empire, why they’re tired of being asked how they ‘juggle it all’ and their metrics for feeling rich in life. 

This chat is frighteningly relatable and is sure to give you a full body LOL. 

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