The podcast where real parents build real wealth in freedom, time, energy and life. We don't skip the mud. The sleep-deprived juggle of the ambitious parent who refuses to choose between money and family. Bc often we're only shown the endpoint success and we're left wondering: but how?? Maybe I'm just not extraordinary like them. But you are.
I'm Majella. Lawyer, toddler mum, pregnant with baby #2, one micro step ahead of you, not ten.
Building a wealthy life while raising a family is possible. It has to be.
Watch me step into the life I was meant to live, while you step into yours.
#25 Removing Guilt and Shame From Our Budget Saved Us $50k (in 1 year)
Our family budget system took us from $0 to $350K net worth in 3 years. Here's the exact bank account setup we used.
We used this same cash flow system to save $50,000 in 2025 on top of buying an investment property.
It's a sinking funds and bank account budgeting system we've built and refined over 7 years, specifically designed for parents who deal with money anxiety, spending guilt, or shame around money.
In this episode I break down:
-Why normal budgets fail (the "mental gymnastics" problem)-What sinking funds are and how to set them up
-Our 14 bank accounts, explained one by one-The buffer account: the single biggest fix in this whole system-How we split financial admin as a couple
-Percentage-based vs. dollar-based budgeting
-What changed when we had zero income
-How this system is funding our maternity leave and next property purchase right now
TIMESTAMPS
0:00 Why This Bill Kept Wrecking Our Budget
0:45 From $0 to $350K Net Worth in 3 Years
1:24 The Mental Gymnastics Problem With Normal Budgets
3:27 The Problem With One Spending Account
5:40 How to Know What You Can Spend in 2 Seconds
6:07 Spending Guilt, Shame Spirals and the Money Hangover
7:57 Why We Use 14 Bank Accounts (14 sinking funds)
9:10 Every Bank Account Explained
9:51 The Bills Account: Never Get Blindsided Again
11:06 The Presents and Gifts Sinking Fund
11:52 The Buffer Account: Our #1 Budgeting Hack
12:47 Physical Cards for Every Spending Category
14:07 The Spreadsheet Split: Moving Money Each Pay Period
14:51 How We Manage Money as a Couple
17:17 Why Budgeting Systems Need Iteration
18:24 Percentage-Based vs Dollar-Based Budgeting
20:32 The Guilt-Free Fun Account Explained
22:32 How This System Changed Our Money Conversations
23:31 What a True Rich Life Actually Looks Like
25:09 Saving for Maternity Leave and Our Next Property
26:08 The Best Budget Fits Who You Actually Are
27:13 Design Money Systems Around Your Real Life
The Wealthy Parent is the Australian podcast about building real wealth as a parent and becoming truly rich in money, time, and life.
🎙 I'm Majella: Australian lawyer, toddler mum, pregnant with baby #2. I'm not a financial advisor. This isn't financial advice; it's the real system we use to manage money, reduce decision fatigue, and stop letting predictable bills wreck our progress.
📱 Instagram: @bymajella and @thewealthyparentpod
📺 YouTube: https://www.youtube.com/@TheWealthyParentbyMajella
📩 Business enquiries: bymajella@gmail.com (mailto:bymajella@gmail.com)
BOOKS I RECOMMEND:
1. Atomic Habits - James Clear
2. Deep Work - Cal Newport
3. The secret wealth advantage by Akhil Patel
4. The secret life of realestate and banking by Phil Anderson
5. Principles by Ray Dalio
6. Rich dad poor dad by Robert Kiyosaki
PODCASTS I LOVE:
1. Pumped on Property (Also my personal buyers agents)
2. The Mel Robbins Podcast
3. Working Hard with Grace Beverly
4. Busy Blooming with Tess Barclay
5. The Mindset Mentor
6. Iced Coffee Hour
7. Aspire with Emma Grede
8. This is Property with John Pidgeon
General educational content only. Not financial advice. Please consult a licensed financial adviser for guidance specific to your situation. Majella is not liable for any loss arising from reliance on information provided in this video.
Music: Anno Domini Beats
Can't wait to see you WIN!! K, love you byeee xxx
7 Apr 2026
#24 I Set Big Financial Goals for 2026. My Body Had Other Plans.
I came into 2026 with more momentum than I'd ever had. We hit every single financial goal in 2025 — for the first time in my life. I had the system, the clarity, the plan.
Ten days in, everything stopped.
I found out I was pregnant with baby number two — and the first trimester hit me in a way I could never have prepared for. For three months I couldn't cook, couldn't exercise, couldn't work on my business, and couldn't stick to our budget. Every goal I'd set for 2026 fell away one by one.
In this episode I'm sharing what survival mode actually looks like when you have big financial goals — the identity collapse, the overspending, the arguments with your partner, and the moment that revealed everything about what I'd truly built versus what I was just maintaining.
If you've had the start to 2026 that I have — or if you're in survival mode right now for any reason — this one's for you. It's only April. All is not lost.
In this episode:
What it actually looks like to pursue big financial goals in your first trimester
Why I needed a pregnancy emergency fund — and what it cost us not to have one
The difference between a money system you've built vs one you're just maintaining
The psychology of overspending when you're exhausted and emotionally depleted
How to have better money conversations with your partner before things go wrong
How to tweak your financial goals without giving up on them entirely
The $12 breakfast tweak that started our financial recovery
🎙 I'm Majella — Australian lawyer, toddler mum, pregnant with baby #2. The Wealthy Parent is the Australian podcast about building real wealth as a parent and becoming truly rich in money, time, and life.
📱 Instagram: @bymajella and @thewealthyparentpod
📺 YouTube: https://www.youtube.com/@TheWealthyParentbyMajella
📩 Business enquiries: bymajella@gmail.com (mailto:bymajella@gmail.com)
BOOKS I RECOMMEND:1. Atomic Habits - James Clear 2. Deep Work - Cal Newport 3. The secret wealth advantage by Akhil Patel 4. The secret life of realestate and banking by Phil Anderson 5. Principles by Ray Dalio 6. Rich dad poor dad by Robert KiyosakiPODCASTS I LOVE:1. Pumped on Property (Also my personal buyers agents)2. The Mel Robbins Podcast3. Working Hard with Grace Beverly 4. Busy Blooming with Tess Barclay 5. The Mindset Mentor6. Iced Coffee Hour7. Aspire with Emma Grede8. This is Property with John PidgeonGeneral educational content only. Not financial advice. Please consult a licensed financial adviser for guidance specific to your situation. Majella is not liable for any loss arising from reliance on information provided in this video. Music: Anno Domini BeatsCan't wait to see you WIN in 2026. K, love you byeee xxx
7 Apr 2026
#23 How I Achieved Every Goal in 2025 — It Had Nothing to Do With Discipline
You don't need more discipline. You don't need a better planner. You don't need a 17-step morning routine...you need one thing: to show up.
In 2025 I achieved every single goal I set:
1. two half marathons, a 24-minute PB,
2. an investment property,
3. saved $50,000
4. got a promotion,
5. completed 75 Hard.
And I did all of it as a working Australian mum with a toddler, a full-time legal career, and zero spare time. The reason wasn't motivation or perfection. It was learning how to focus on the minimum viable goal and let the big goals take care of themselves.
If you've ever:
Quit your New Year's resolutions by March without really noticing
Felt undisciplined or lazy when you're actually just overwhelmed
Tried to build a morning routine and watched it fall apart within two weeks
Set big money, fitness or career goals and quietly let them slip
Built the perfect system on paper and then completely failed to execute it
This episode is for you. You're not undisciplined. You've just been aiming at the wrong thing.
Inside I break down:— Why perfection is killing your progress before you even start— The wish list vs daily systems framework from Grace Beverly's Working Hard— What a minimum viable goal actually looks like in real life— How to reduce decision fatigue and build routines on autopilot— Why the first 6–12 weeks of any habit feel like resistance — and why that's normal— How showing up messily still gives you the data you need— How to build routines that work around kids, career and real life chaos as an Australian parent
🎙 I'm Majella — Australian lawyer, toddler mum, pregnant with baby #2. The Wealthy Parent is the Australian podcast about building real wealth as a parent, becoming truly rich in money, time, and life.
📱 Instagram: @bymajella and @thewealthyparentpod
📺 YouTube: https://www.youtube.com/@TheWealthyParentbyMajella
📩 Business enquiries: bymajella@gmail.com (mailto:bymajella@gmail.com)
BOOKS I RECOMMEND:1. Atomic Habits - James Clear 2. Deep Work - Cal Newport 3. The secret wealth advantage by Akhil Patel 4. The secret life of realestate and banking by Phil Anderson 5. Principles by Ray Dalio 6. Rich dad poor dad by Robert KiyosakiPODCASTS I LOVE:1. Pumped on Property (Also my personal buyers agents)2. The Mel Robbins Podcast3. Working Hard with Grace Beverly 4. Busy Blooming with Tess Barclay 5. The Mindset Mentor6. Iced Coffee Hour7. Aspire with Emma Grede8. This is Property with John PidgeonGeneral educational content only. Not financial advice. Please consult a licensed financial adviser for guidance specific to your situation. Majella is not liable for any loss arising from reliance on information provided in this video. Music: Anno Domini BeatsCan't wait to see you WIN in 2026. K, love you byeee xxx
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