The Broke Generation

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...

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!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegen...

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

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.

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...

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:

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 

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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:

JOIN SMART SPEND-TEMBER FOR JUST AU$28! https://thebrokegeneration.com/product/sma...

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!

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...

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:

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:

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...

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.

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...

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.

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...

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...

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

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...

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...

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.

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...

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.

It's Gemini season, which means it's my birthday month, and so it's time for one of your favourite episodes: the birthday ep! Usually, I do something like 30 things I've learned by 30, but now I'm 34, it's getting HARD to come up with 34 things. So instead, I'm taking you through 5 big lessons from my thirties in general, now that I'm well and truly settled in, buckled up and hurting towards my mid thirties at pace. 

Highlights: 

We set a 20 minute timer and yap about the recent news around Buy Now Pay Later becoming available for food delivery in the US, what this means from a social and financial perspective, and the broader context of our culture of convenient food delivery.

See omnystudio.com/listener for privacy information.

Welcome to a new segment of the podcast, Emma's Dilemma! In these bitey eps I'll be answering your dilemmas with my behavioural and psychological wisdom. This week we're unpacking the dilemma of whether or not to use a voucher or a store reward, what to do when a considered purchase ends up being really disappointing, and what happens when you're on a wardrobe no-buy but you hate everything you own.

Got a dilemma? Send it to podcast@thebrokegeneration.com with Emma's Dilemma in the subject line.

Mentioned in this episode: https://thebrokegeneration.com/blog/episodes...

Earlier this year, The Guardian published an article on Jo Nemeth: the woman who lives without money. Instead of engaging in paid work and using that income to pay for goods, services and shelter, she contributes to an intergenerational household with unpaid labour. 

In this episode, we unpack the concept of living without money, including whether it's a giant leap forward to a society less hamstrung by late stage capitalism, or whether it's a sinister step backwards to a time when women lived without money under the control of their male partners. 

Read the full ar...

In this episode I share 6 tips on what to do when life is life-ing and all you want to do is avoid, sabotage, and spend all your money on things you know you don't need. I take you through a recent personal experience of feeling too overwhelmed to do the right thing for my finances and how I got myself out of that without shame or guilt.

Highlights:

We're baaaaaaack! Well, kinda. While we're not back for a proper new season of The Comments Section, we've got a few special edition yaps that we'll be dropping for your listening pleasure over the coming weeks. Not a full meal, but a tasty morsel that leaves you wanting more (we hope). 

In this episode, we're building on a topic we discussed at Victoria's recent book launch in Perth: is "Temu culture" destroying our relationship with money? Spoiler alert: yes.

Highlights:

In this 'That's Juicy' episode, I chat with mortgage broker Jess Bailey about the human side of home buying. We explore how personal circumstances shape financial decisions and how brokers can advocate for clients whose situations fall outside traditional lending norms.

Episode Highlights:

In this follow-up episode, I share four more behavioural hacks to make managing money feel easier and more enjoyable. I explore psychological approaches that can transform your relationship with budgeting and saving while still living a life you love.

Episode Highlights:

We set a 20 minute timer and yap about the recent news around Buy Now Pay Later becoming available for food delivery in the US, what this means from a social and financial perspective, and the broader context of our culture of convenient food delivery.

Hosted on Acast. See acast.com/privacy for more information.

Welcome to a new segment of the podcast, Emma's Dilemma! In these bitey eps I'll be answering your dilemmas with my behavioural and psychological wisdom. This week we're unpacking the dilemma of whether or not to use a voucher or a store reward, what to do when a considered purchase ends up being really disappointing, and what happens when you're on a wardrobe no-buy but you hate everything you own.

Got a dilemma? Send it to podcast@thebrokegeneration.com with Emma's Dilemma in the subject line.

Mentioned in this episode: https://thebrokegeneration.com...

Earlier this year, The Guardian published an article on Jo Nemeth: the woman who lives without money. Instead of engaging in paid work and using that income to pay for goods, services and shelter, she contributes to an intergenerational household with unpaid labour. 

In this episode, we unpack the concept of living without money, including whether it's a giant leap forward to a society less hamstrung by late stage capitalism, or whether it's a sinister step backwards to a time when women lived without money under the control of their male partners. 

Read th...

In this episode I share 6 tips on what to do when life is life-ing and all you want to do is avoid, sabotage, and spend all your money on things you know you don't need. I take you through a recent personal experience of feeling too overwhelmed to do the right thing for my finances and how I got myself out of that without shame or guilt.

Highlights:

Hello fabulous listeners, this "episode" is a quick but important update from me about where I'm at with the podcast, the future of the show and a decision I've made for how to move forward. I appreciate you all SO much, and would love if you had a listen to this quick message so you know what to expect from here.

Hosted on Acast. See acast.com/privacy for more information.

We're baaaaaaack! Well, kinda. While we're not back for a proper new season of The Comments Section, we've got a few special edition yaps that we'll be dropping for your listening pleasure over the coming weeks. Not a full meal, but a tasty morsel that leaves you wanting more (we hope). 

In this episode, we're building on a topic we discussed at Victoria's recent book launch in Perth: is "Temu culture" destroying our relationship with money? Spoiler alert: yes.

Highlights:

In this 'That's Juicy' episode, I chat with mortgage broker Jess Bailey about the human side of home buying. We explore how personal circumstances shape financial decisions and how brokers can advocate for clients whose situations fall outside traditional lending norms.

Episode Highlights:

In this follow-up episode, I share four more behavioural hacks to make managing money feel easier and more enjoyable. I explore psychological approaches that can transform your relationship with budgeting and saving while still living a life you love.

Episode Highlights: