My Happy Money Journey with Phoebe Blamey
Claim This Podcastby Phoebe Blamey retired financial and mortgage advisor, podcaster, coach and course creator
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Podcast Overview
<p><strong>Life changes as we get older.</strong> Kids grow up. Parents need care. Divorce, grief, and career curveballs can hit hard and suddenly, by choice or by chance, you’re in the financial driver’s seat.</p> <p>My Happy Money Journey is the go to money podcast for women over 40 in Australia who are ready to take control of their finances, pay off debt, buy a home, invest build wealth, and live a fabulous life!</p> <p><strong>Phoebe Blamey</strong> is a bestselling author, former award winning financial services business owner turned small business coach. The podcast explores real conversations about money, midlife transitions, financial freedom, and difficult topics like sexually transmitted debt, death, inheritance and spending, all while making money simple, manageable and doable. This is real money talk for real people.</p> <p>Super qualified Phoebe has a Graduate Certificate in Financial Planning, a Diploma in Mortgage Broking, an MBA, and a Graduate Certificate in Executive Coaching Phoebe brings 20+ years of expertise to help women heal their money stories, make smart financial choices, and thrive in this powerful life stage.</p> <p>Disclaimer: The information in this podcast is general in nature and does not constitute personal financial advice or recommendations.</p>
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Publishing Since
1/23/2023
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Recent Episodes
July 1, 2026
S4 E29 Yep, another EOFY Podcast!
It is the end of financial year, and if this week has been all receipts, logbooks and bookkeeper calls, you have had plenty of money conversations already. Every one of them was with someone else. The tax office. Your accountant. A portal at ten at night. This episode is about the one conversation you have not had yet, the one with yourself, and why the first of July is the cleanest fresh start you will get all year. Grab a pen, put the kettle on, and let's have it. The four conversations to have with yourself before the new financial year gets going: Where am I right now? Work out your net worth. What you own minus what you owe: home equity, super, savings, investments, loans, cards. Most of us know our income cold and go blank on our net worth. Log in and find your actual super balance, even if it is confronting. What do I actually want? Stop asking only "can I afford it" and start asking "what am I building." Picture three pools of money: lifestyle (the everyday), project (the renovation, course, trip, business) and future (super, investments, assets). Trouble starts when they all swim in one account and the project quietly eats the future. Name the thing you keep not letting yourself do, then decide which pool it belongs to. Who do I need to become? We change our behaviour when it matches who we believe we are. Move from "I'm hopeless with the money stuff" to the present tense: "I'm someone who takes leadership of my financial future. I'm someone who knows her own numbers." Nobody was born knowing this. Who am I going to say it to? The first three happen in your head. This one has to leave it. Text your sister, book the call with your super fund or accountant, ring a financial counsellor if you are stuck. The women who talk about money make better decisions about money. The number worth knowing: the ASFA benchmark for a comfortable retirement for a single homeowner now sits around $630,000 in super (ASFA Retirement Standard, updated February 2026). Knowing you are behind is not the bad news. Not knowing is. On the downsizer super strategy mentioned in the episode: if you are 55 or older and sell a home you have owned for 10 years or more, you may be able to contribute up to $300,000 per person ($600,000 for a couple) from the sale proceeds into super as a downsizer contribution, within 90 days of settlement. It sits outside the usual concessional and non-concessional contribution caps, which is what makes it powerful for topping up super later in life. It does count toward your total super balance and can affect Age Pension entitlements, so it is worth getting advice on the timing. Full rules and the form are on the ATO page linked below. Your next step this week Pick one of the four conversations. Not all of them. One. Have the honest one and find your super balance, or have the out-loud one and text one person the words "I'm finally getting on top of my money." One conversation this week changes which version of you walks into the new financial year. Links and resources The Happy Money Society (now live, free and paid options): phoebeblamey.com.au — links also in the episode notes Work with Phoebe: phoebeblamey.com.au ATO — downsizer super contributions: ato.gov.au ASFA Retirement Standard (the comfortable-retirement benchmarks): superannuation.asn.au ASIC Moneysmart (free, independent money guidance and calculators): moneysmart.gov.au National Debt Helpline (free, confidential financial counselling): 1800 007 007, ndh.org.au A quick note Everything in this episode is general information to get you thinking. It is not personal financial advice and it does not take your own circumstances into account. Please get advice tailored to you before making any big financial moves. Until next week, whatever you're doing, wherever you're doing it, and whoever you're doing it with, enjoy your journey.
June 25, 2026
S4 E28 Be the center of your financial universe
Remember Cristina Yang turning to Meredith, right as she was leaving the show for good, telling her not to let what someone else wants eclipse what she needs. He's very dreamy, but he's not the sun. You are. We forget that. There is even a term for it: role engulfment. We get so caught up in the doing for everyone else that our own self, and our own financial life, fades into the background, and it costs us. One day you are comforting a friend who has just been through a brutal divorce, the lights go on, and you think, this could be me. This episode is about taking the wheel. If you have been carrying the worry without ever holding the wheel, this one is for you. Phoebe walks through why so many capable, high-earning women end up financially invisible in their own lives, why that gap is exactly where women get hurt, and the five things you can do this week, on one page, at your kitchen table, to put yourself back in the centre of your own financial universe. You are not the moon orbiting everyone else's money. You are the sun. Why this matters for you now Australia is moving through its largest ever transfer of wealth between generations, estimated at around $3.5 trillion (some research puts it closer to $5 trillion), with roughly 65% of it expected to land with women. Family money tends to flow to the eldest daughter. It can arrive through divorce. It can arrive through the death of a partner. The women who get hurt are not the careless ones. They are the ones who never knew where the money was. This episode gets you ready to hold it. What you will take away Your money map. How to work out your net worth in one sitting, and why you cannot run a universe you have never looked at. What is yours. The difference between money in your name and money in joint names, and why every financially adult woman needs her own account. Your protection documents. A current will, a binding death benefit nomination on your super, and an enduring power of attorney, and why your super does not follow your will. Your safety buffer. The runway money in your own name that means you are never trapped in a situation you want to leave. Your dashboard. The handful of money concepts that let you ask a good question and recognise a bad answer, without becoming a financial planner. Plus: who belongs in your financial universe, how to choose advisers you trust instead of inheriting ones you do not, and why talking to your friends about money is one of the most powerful financial moves you can make.
June 2, 2026
S4 E27 The things you need to know about the Federal Budget 2026
The 12 May federal budget made big moves on family trusts, capital gains tax and negative gearing. Phoebe walks through what actually changed, who it affects, and the steps to take now, with women at the centre of the conversation. The federal budget handed down on 12 May proposed three major tax changes. First, from 1 July 2028, discretionary (family) trusts will pay a minimum of 30 percent tax on their taxable income, effectively ending the income splitting strategy that has run Australian family businesses for fifty years. Second, from 1 July 2027, the 50 percent capital gains tax discount is being replaced by cost base indexation with a 30 percent minimum tax on the gain. Third, negative gearing losses on residential property purchased after 7.30pm on 12 May 2026 will only be deductible against other residential property income, not against salary or wages. None of these measures are law yet. Women are often the beneficiaries of family trusts they did not set up, which makes the trust change especially worth understanding. This episode is general in nature and is not personal financial or tax advice. None of these measures are law yet; they are proposed. Phoebe's key sources were the ATO explainer sheets. Speak to your accountant or licensed financial adviser about your own situation.
150 total episodes available
Recent guests on My Happy Money Journey with Phoebe Blamey
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Antionette Sagaria
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Phoebe Blamey
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Scott Malcolm
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- What is My Happy Money Journey with Phoebe Blamey?
<p><strong>Life changes as we get older.</strong> Kids grow up. Parents need care. Divorce, grief, and career curveballs can hit hard and suddenly, by choice or by chance, you’re in the financial driver’s seat.</p> <p>My Happy Money Journey is the go to money podcast for women over 40 in Australia who are ready to take control of their finances, pay off debt, buy a home, invest build wealth, and live a fabulous life!</p> <p><strong>Phoebe Blamey</strong> is a bestselling author, former award winning financial services business owner turned small business coach. The podcast explores real conversations about money, midlife transitions, financial freedom, and difficult topics like sexually transmitted debt, death, inheritance and spending, all while making money simple, manageable and doable. This is real money talk for real people.</p> <p>Super qualified Phoebe has a Graduate Certificate in Financial Planning, a Diploma in Mortgage Broking, an MBA, and a Graduate Certificate in Executive Coaching Phoebe brings 20+ years of expertise to help women heal their money stories, make smart financial choices, and thrive in this powerful life stage.</p> <p>Disclaimer: The information in this podcast is general in nature and does not constitute personal financial advice or recommendations.</p> - How often does this podcast release new episodes?
This podcast updates daily.
- Where can I listen to this podcast?
This podcast is available on 8 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
Information about guest appearances is not available.
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