The Broke Generation
Feel good finance podcast, packed with frank and honest money conversations, and practical tips to help you be better with money.
How to make 2026 the year you get engaged with your superfund, with Australian Super
In this episode I'm joined by Kim Heironymous, education manager at Australian Super, to talk all things superannuation and how to get engaged with your superfund for the benefit of your future self.
Highlights:
Understanding how super contributions work How you can make up for years of low/no super How spousal splitting and co-contributions can help you level the super playing field in your relationship The impact of small additional contributions Small ways you can take steps towards a better retirement-
Disclaimers:
If you’re considering making a decision ab...
A week in our wallets: The Comments Section with E & V
Welcome back to another episode of A Week In Our Wallets, this time brought to you by our fabulous friends at PocketSmith! Head to www.pocketsmith.com/thebrokegeneration to try PocketSmith for yourself.
See omnystudio.com/listener for privacy information.
5 things you'll thank yourself for in 10 years PART TWO
Welcome back to things you'll thank yourself for in 10 years. If you haven't listened to part one yet, go and do so. This week I'm diving into more small things you can do for your life, health and finances that you'll thank yourself for in the future. Share this with someone you think will enjoy it!
See omnystudio.com/listener for privacy information.
How to not overspend this Black Friday
Welcome to the annual Black Friday episode where I take you through my observations on the sales sentiment this year, comb through retail reports on what the industry is seeing, and of course, leave you with my top tips, mindsets to embrace and traps to avoid to ensure you're happy with your spending by the end of it all!
See omnystudio.com/listener for privacy information.
The Wardrobe Project is HERE! Book release special + sneak peek
It's officially release day for The Wardrobe Project (in Australia, anyway!). Rest of world, you're only about a week or so away! In this special release day episode I take you through a bit about the writing process, my 5 favourite things about the book, and a sneak peek reading of a few pages. Get your tickets to one of the launch events below – I can't wait to see you!
Melbourne: https://www.trybooking.com/events/landing/1496871
Sydney: https://www.trybooking.com/events/landing/1489984
Order your copy!
Australia/NZ: https://amzn.to/3Jatx9x ...5 things you'll thank yourself for in 10 years (part 1)
In part one of this new series, I'm sharing a raft of things you'll thank yourself for in 10 years. No matter what age or stage of life you're at, there's something to be said about doing something now that'll pay off in the future. Often we wait around for the perfect time to start something, only to realise that the years have passed anyway, and we'd be so much further along with something if we'd just taken that one first step a decade ago.
PREORDER THE WARDROBE PROJECT!
Preorder in Australia/NZ: https://amzn.to/3Jatx9x...Repaying debt, doubling your salary, and striving for success when the tide is against you, with KJ Kasuka
WE'RE BACK BABY!!!! In this episode, I'm joined by KJ. a passionate financial advocate openly sharing her financial journey. KJ discusses her experiences migrating to the UK from Zambia aged 7, detailing her struggles and triumphs with debt management and living her 'best boujiest life' while building financial confidence. From her educational background in law to a rewarding consulting career, her story highlights the importance of financial literacy and emotional resilience. KJ also touches on the concept of 'black tax,' the pressures of being an eldest daughter, and her strategies for effective budgeting and financial planning. Her journey showcases...
The podcast is taking a short break!
A short message from Emma to let you know the podcast is taking a teeny tiny 2.5 week break to catch up on editing and making the show the best it can be for your favourite months of episodes: December and January!
Here are five of the greatest hits episodes from the back catalogue to listen to while I'm gone:
3 things that fundamentally changed my finances forever 10 things to do instead of self-soothing with spending 7 money mindset shifts I’ve had to go through on my finance journey so far Is it unfeminist to discuss women’s spend...How to handle expensive gift-giving traditions in families and friend groups
This was a hotly requested episode as we hurtle closer towards gift-giving season, so settle in for a deep dive into why gift giving is its own unique taboo, and some strategies for addressing expensive traditions or norms.
PREORDER THE WARDROBE PROJECT!
Preorder in Australia/NZ: https://amzn.to/3Jatx9x Non-Amazon AU/NZ Preorder options: Booktopia Preorder in the UK: https://shorturl.at/fKH5O Non-Amazon UK Preorder: Bookshop.org Preorder in the US: https://shorturl.at/9KNyb Preorder in Canada: https://shorturl.at/PgcJxWhere to find Emma
Website: https://thebrokegeneration.com/
Insta...
The hidden spending trap of thrifting (and how to do it mindfully!)
In this solo episode I'm talking all things THRIFTING! Shopping second hand can feel like the perfect loop hole for your little treats, without breaking the bank or the environment. But the guilt-free dopamine dispenser of shopping second hand, whether on apps like Vinted and Depop, or in op shops, charity shops and vintage stores, can lead to unhelpful behavioural cycles that leave you with more questions than answers.
In my year-long experiment of not buying any clothes, I banned thrifting too. Now, I'm learning to integrate second hand shopping back into my overall approach to clothing...
How to use the "One Win Rule" to break unhelpful money patterns
In this solo episode I'm sharing with you the One Win Rule: a framework I developed to help you connect your beliefs and behaviours in order to break unhelpful money cycles. Whether you keep spending money when you don't plan to, or you feel like you'll never get ahead at work, or you feel like your business/side hustle is failing, the "One Win Rule" can help you intercept any pattern using principles from financial psychology.
PREORDER THE WARDROBE PROJECT!
Preorder in Australia/NZ: https://amzn.to/3Jatx9x Non-Amazon AU/NZ Preorder options: Booktopia Preorder in th...Emma's Dilemma: HELP! I stopped buying clothes, but kept spending everywhere else...
Welcome back to another Emma's Dilemma. Today we're unpacking a curly one about what happens when we cut off one area of spending... but just spend the same amount in another area. In this episode I dive into:
The difference between being pulled to spend on one specific area vs spending as a behaviour more generally An exercise to understand the unmet needs we might be responding to with spending transference The concept of hedonic adaptation and how we can combat it The PERMA model from Positive Psychology and how it can help us get more meaningful value...Why following up with yourself is the ultimate behavioural hack (and how to do it!)
In this episode I take you through the concept of "following up" with yourself, and how you can use it to change your behaviour in a way that ACTUALLY works for your brain, rather than against it.
PREORDER THE WARDROBE PROJECT!
Preorder in Australia/NZ: https://amzn.to/3Jatx9x Non-Amazon AU/NZ Preorder options: Booktopia Preorder in the UK: https://shorturl.at/fKH5O Non-Amazon UK Preorder: Bookshop.org Preorder in the US: https://shorturl.at/9KNyb Preorder in Canada: https://shorturl.at/PgcJxWhere to find Emma
Website: https://thebrokegeneration.com/
Instagram...
Emma's Dilemma: how do I manage competing life priorities when everything feels messy?
Welcome back to Emma's Dilemma, where I take your dilemmas and answer them with piping hot advice on life and money. Today's dilemma is all about untangling that overwhelming feeling of having competing priorities and deciding which direction your life is going to go in next.
In this episode, we cover:
"Holding space" for that feeling of overwhelm Addressing what we're avoiding by allowing the overwhelm to win A matrix for helping you plot out what matters most to you Turning that into an action plan for what's next.Mentioned in this episode: printable matrix t...
Can I buy a home if... my income is going to change soon? With Kobe Clarke-Jacobs
Welcome to the final episode in our 3 part mini series with mortgage broker, Kobe Clarke-Jacobs. In this final instalment we're debunking how a change in income or circumstances changes and impacts your ability to buy a home. Whether you're planning on going on parental leave, taking a pay cut or changing jobs or industries, you'll find all the home loan insights you need in this nifty ep.
Where to find Kobe:
Instagram: @financewithkobe
TikTok: https://www.tiktok.com/@financewithkobe
Website: https://financewithkobe.com.au/
See omnystudio.com/listener for pr...
Can I buy a home if... I'm self employed? With Kobe Clarke-Jacobs
In this episode we're debunking the myth that it's too hard to buy property if you're self employed, freelance or run your own business. Mortgage broker and friend of the pod Kobe Clarke-Jacobs breaks down what you need to know, how lending works for self employed earners, and why you don't need to buy into the lie that it's too hard to borrow.
Where to find Kobe:
Instagram: @financewithkobe
TikTok: https://www.tiktok.com/@financewithkobe
Website: https://financewithkobe.com.au/
See omnystudio.com/listener for privacy information.
Can I buy a home if... I'm single? With Kobe Clarke-Jacobs
Welcome to a hot new little mini series with mortgage broker, Kobe Clarke-Jacobs, where we debunk the reasons you might think you can't buy a home, and break down how we go about buying if we're in some of those scenarios. First up: we're looking at you, single pringles. Buying solo gets a bad rap, but it's absolutely possible, and in this episode, Kobe explains how.
Where to find Kobe:
Instagram: @financewithkobe
TikTok: https://www.tiktok.com/@financewithkobe
Website: https://financewithkobe.com.au/
See omnystudio.com/listener for privacy in...
Business BTS: what's been happening at The Firm
Hello shareholders and welcome to the Broke HQ Annual General Meeting (read: very yappy, chatty podcast giving you a behind the scenes look at what's been happening at The Firm, Broke HQ).
PREORDER THE WARDROBE PROJECT!
Preorder in Australia/NZ: https://amzn.to/3Jatx9x Non-Amazon AU/NZ Preorder options: Booktopia Preorder in the UK: https://shorturl.at/fKH5O Non-Amazon UK Preorder: Bookshop.org Preorder in the US: https://shorturl.at/9KNyb Preorder in Canada: https://shorturl.at/PgcJxWhere to find Emma
Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegen...
What really happens after a year of not buying clothes? The Wardrobe Project Mini Series
Welcome back to episode 3 of The Wardrobe Project mini series! For our final episode I'm talking about the other side of the coin: what happens when you complete a year long experiment to not buy a single item of clothing? How does it feel? Did anything change? And what is life like on the other side of an obsession with clothes? I tell all in this final episode of the series.
Mentioned in this episode
Podcast episode: What's it like to buy again after a year long wardrobe freeze?: https://open.spotify.com/episode/7cokG9nD8...10 motivators of irrational clothing spending: The Wardrobe Project Mini Series
In episode 2 of The Wardrobe Project Mini Series, I'm taking you through 10 things that drive irrational clothing purchases, and why we're so often left feeling like we have nothing to wear despite staring at a wardrobe full of clothes. From emotional soothing, to dopamine-seeking, to misattributing the feelings of shopping, there are so many nuggets to explore in this episode.
If you enjoy it, you'll love my new book, The Wardrobe Project, coming November 2025. Preorder your copy below or Google search "The Wardrobe Project Emma Edwards" for local results in your region.
Preorder in Australia/NZ: ht...5 things that made me want to change my relationship with buying clothes: The Wardrobe Project Mini Series
WELCOME TO THE WARDROBE PROJECT MINI SERIES, BABY! In celebration of launching my upcoming second book, The Wardrobe Project, this mini series will give you a little taster of the contents of the book and the year challenge I set myself to not buy clothes. In this first episode we're breaking down the 5 key things that made me want to investigate my clothes buying habits, from money leaks and emotional spending hanging around after my debt pay off, to lockdown confidence challenges and cognitive dissonance around sustainability.
Preorder your copy of The Wardrobe Project below, or Google...
The great "lock in" of 2025: how to design your own blueprint for September to December
Everyone's talking about "locking in" and setting up their September to December sprint. So as always I'm here to be your brain-obsessed behavioural guide to designing your own lock in that doesn't leave you borrowing inspiration from everyone's TikToks.
In this episode, I cover:
How to get double the progress for half the effort by borrowing motivation from another goal Choosing your focus areas with intention How to stay the course for the rest of the year (and why most of your energy shouldn't be spent trying to go hard for 12 whole weeks) Why the energy y...5 money conversations that'll start to shift your financial perspective and self-understanding
In this solo episode I'm taking you through 5 powerful money conversations to have with people in your life that will rock your relationship with money, shatter your limiting beliefs and shift your self-understanding into lightbulb moment territory.
Come on retreat with us this November 20th - 23rd in Samford, Queensland! Spend 4 days at our luxury retreat centre and have meaningful money conversations, like these, alongside money workshops, yoga, crafts, pool swims, saunas, naps, and delicious feeds from a private chef. Reserve your spot here: https://www.yogablewellbeing.com/themoneysleepover
Mentioned in this episode: @tashinvests
...
Why September is the best time to work on your money goals (and how to make the most of it)
In this solo episode I’m sharing why September is my FAVE month for working on your financial goals, and offer you a hot little plan to see you to the end of 2025.
Highlights:
Why motivation is higher in September than January, and why landmarking our pursuits of change is helpful The power of a shorter runway to success The value of imminent reward The 3 Ps of short deadlines: procrastination, priorities and perfectionism A plan for your next 4 months A mindset to keep you motivatedJOIN SMART SPEND-TEMBER FOR JUST AU$28! https://thebrokegeneration.com/product/sma...
3 things that fundamentally changed my finances forever
In this solo episode I'm taking you three behavioural turning points that fundamentally changed my finances forever. From identifying cycles that are keeping you stuck to always investigating the beliefs that your behaviour is upholding, this punchy ep is a masterclass in owning your own financial mindset and making positive change.
PREORDER THE WARDROBE PROJECT!
Preorder in Australia/NZ: https://amzn.to/3Jatx9x Non-Amazon AU/NZ Preorder options: Booktopia Preorder in the UK: https://shorturl.at/fKH5O Non-Amazon UK Preorder: Bookshop.org Preorder in the US: https://shorturl.at/9KNyb Preorder in Canada: https://shorturl.at...A week in our wallets. Cat food, charcuterie and a gastroscopy: The Comments Section with E&V
Welcome back to another week in our wallets, where we take you through what we spent in a week, why, and how we felt about it after.
Where to find Emma
Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration
Order my book, Good with Money!
Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.
Where to find Victoria
Instagram: http...
Grow your money mini series: Risk management, with Jess Brady
In this final episode of my mini-series with financial advisor Jess Brady, we dive into the crucial but often overlooked topic of risk management and insurance. Jess shares her personal experience of becoming uninsurable and making insurance claims, highlighting why timing matters when it comes to protecting your financial future. We explore the different types of insurance available and how to balance protection with affordability.
Highlights:
Why protecting your wealth is just as important as growing it The three key risk categories: income, assets, and expenses Jess's personal story of becoming uninsurable and claiming on income...Grow your money mini series: Building your Freedom Fund, with Jess Brady
In this second episode of my mini-series with financial advisor Jess Brady, we explore the concept of a "Freedom Fund" and why investing doesn't have to be about becoming ultra-wealthy. Jess breaks down how to reframe investing as a tool for creating choices and opportunities in your life, rather than just chasing passive income. We discuss the psychological barriers that keep people from starting their investment journey and introduce Jess's six-step investment framework.
Highlights:
Why Jess calls it a "Freedom Fund" instead of an investment portfolio The difference between "freedom from" and "freedom to" in financial...Grow your money mini series: Your "money memoir", with Jess Brady
In the first instalment of this three-part mini series, financial adviser and educator Jess Brady shares candid insights into her journey, experiences, and expertise. This episode sets the tone for an inspiring and practical series, where Jess unpacks lessons learned from building a career in finance, running her own business, and empowering others to take control of their money.
Episode 1 focuses on your money memoir – all of those experiences and memories that form your relationship with money. Together we discuss the power of understanding your history with money and how it can unlock the softer skills of per...
Trust funds, financial secrecy, and the pros and cons of financial transparency: The Comments Section with E & V
In this episode we dissect the dynamic between a trust fund kid and a minimum wage worker, as depicted in a recent video by @Cut on Instagram: https://www.instagram.com/reel/DMx7GErP_QE/?igsh=MXZjcXVuNzVwb29qbg%3D%3D
We explore why the rich feel the need to be vague when asked about their wealth, whether financial transparency more broadly is always a good thing, and the ways in which money doesn't guarantee happiness.
See omnystudio.com/listener for privacy information.
The cost of being cool: do old wounds die hard?
In this voice-note style ramble, I unpack how the elusive idea of being "cool" can impact the way we spend our money, particularly if we've got old wounds from not being one of the cool kids in high school. From expensive hobbies to dressing for who you wished you were, there's still something so idealised about being "cool" even as an adult, and as years rattle by and we we ride the ups and downs of life, can "coolness" catch us out at any age?
Where to find me:
Website: https://thebrokegeneration.com/?v=518f4a...
A week in our wallets: The Comments Section with Emma & Victoria
New episode style alert! Join us as we take you through a week in our wallets: what we spent, why, and how we felt afterwards. You might love it, you might hate it, but we'll never know if we don't give it a whirl. Whack this on while driving, cleaning the kitchen or on your walk around the block when you hit your limit on work BS.
Like it? Slide into our DMs to let us know you want more!
See omnystudio.com/listener for privacy information.
10 things to do instead of self-soothing with spending
This solo episode tackles the familiar feeling of wanting to self-soothe with spending - those moments when you're hurtling toward an "I need a little treat" purchase. I'm sharing 10 practical alternatives that combine behavioural redirects (techniques to help you move through the urge) and behavioural replacements (activities to focus on instead). Whether you're stress shopping, doom scrolling into purchases, or feeling that "fuck it, I'm just gonna order it" moment, this episode provides a toolkit to intercept those spending runways before they take off. The goal isn't to never spend again, but to regain control when your decisions don't...
THAT'S JUICY: Surviving ovarian cancer in your thirties, with Chloe Adams
Content warning: this episode discusses themes of cancer, mortality and fertility.
Welcome to another episode of That's Juicy and this week we have a very special guest, friend and colleague of mine, Chloe Adams from PocketSmith. Chloe joins us to share her experience of being diagnosed with ovarian cancer in her thirties, despite having said two weeks prior that she was the healthiest she's ever been.
We discuss how such a life altering diagnosis affects your money mindset, your outlook on the future, and big life decisions, and explore how being financially prudent when you're h...
Old money, quiet luxury, and the subtle erasure of women's individuality: The Comments Section with E & V
The title of this episode is far more intellectual than the contents of it. You have been warned.
Where to find Emma
Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration
Order my book, Good with Money!
Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.
Where to find Victoria
Instagram: https://www.instagram.com/bad.bitch.money/?hl=en
<...Emma's Dilemma: "Should I spend all my money now and just enjoy life so I don't have regrets?"
Welcome back to another Emma's Dilemma episode where I address burning dilemma's from listeners. Today we have an absolute zinger: should I spend all my money now so I don't have regrets later?
Good question. Should you? Watching the world collapse around us naturally creates a fear response in our minds, so it's tempting to make decisions like this to feel like you're empowered and in control. But, while you'd be avoiding some regret, you're not avoiding all regret – and that's the reality we need to get our minds to understand.
In this episode, I tak...
Tips for surviving and thriving as chaotic queens: The Comments Section with E&V
Join us as we share our best life hacks for surviving and thriving in chaos, as we do best. From Victoria's "end of trip" routine to Emma's lanyard obsession, we hope you'll find something in this episode that'll make your life a little easier.
Plus, we discuss this year's upcoming Prime Day sale and share our best advice for savvy sale shopping.
Products mentioned in this episode*:
Kindle in "matcha green": https://amzn.to/44qv8Pq
Underwear drawer organisers: https://amzn.to/45N1VAB
iPad keyboard: https://amzn.to/4e...
Mid year check in: 25 goals for 2025
It's that time of year again! Let's check in with how I'm getting on with the 25 goals I set for 2025, and whether I'm moving in the right direction to tick them off.
See omnystudio.com/listener for privacy information.
Mid year money reset: guided review + reflection
This episode is a recast of my annual guided mid year money review that is PERFECT for taking stock of where you're at as we close out the first half of 2025 and look ahead to what's to come. Even if you've heard this 5-step review process episode before, I encourage you to listen again with this year in mind. These things are always different every time we do them!
The goal of this guided mid year money review is to get you to farm the data from the first half of the year and deploy your learnings i...
Qantas plane food, expensive suitcases and travel hacks: The Comments Section with E&V
We're back with another 20 minute timer episode – this time we're trying to share our best travel hacks, but end up spending way too long talking about our Qantas plane food bingo before our booking in the recording studio was up. We'll finish giving you our best hacks another day, promise!
See omnystudio.com/listener for privacy information.
