The Broke Generation

Money is one of the last areas where we resist turning inward — and it's costing us. In this episode, I'm digging into why financial self-awareness is the missing piece for so many of us who feel stuck with money. We talk about pop psychology, the shame avoidance cycle, and why our brains are wired to work against us financially. The human brain isn't rational, and pretending money is just maths is exactly why so many of us can't get the outcomes we want. It's time to apply the same curiosity we bring to our relationships and our habits to ou...

The Australian Government 5% Deposit Scheme and the Australian Government Help to Buy Scheme are two different pathways to homeownership for Australians – but do you know the difference between the two? If you're buying a home in the near future, these schemes may be relevant to you, and may support or shift the way you approach home buying.

I've deep dived into both schemes, including the benefits, risks and considerations, and who they're best suited to, so you can feel more informed. PLUS I took your questions right from your fingertips to the top to get the answers.

Trigger warning: this episode contains discussions around pregnancy and fertility.

Back again with another Monthly Wrap sharing what's been going in my finances, and a look at what's going down in life, money and business. Plus, I share some personal news that I've been keeping under wraps for a while! 

Mentioned in this episode:

Thank you as always to PocketSmith for being the official sponsor of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to g...

A rainbow literally appeared while I was speaking to you in this episode and if that's not a sign to open your mind up to all the ways you maybe CAN do the thing your brain is telling you you can't, I don't know what is. 

In this episode I take you through a simple mindset shift that'll take you from fixed, restrictive thinking to a mindset of possibility and opportunity – and you'll barely recognise your finances once you try it.

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One of your MOST LOVED eps from last year was all about upgrading your life without spending a fortune, so I'm back with more ways to do exactly that. From what you drink your morning coffee out of, to how you unwind when you're stressed, these 10 little upgrades are absolutely overflowing in lifestyle value and bang-for-buck.

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Ever feel like your brain is constantly running a background tab called "am I spending this right?" This episode is all about quieting that noise.

Money rules can help you simplify your financial decisions and allow money to be a resource in your life. Instead of relying on willpower in the moment, your 'personal policies' let you pre-decide, so your future self doesn't have to.

In this episode, we break down what money rules are, why they work (hint: systems always beat willpower), and how to build your own using a simple three-part framework.

Welcome back once again to The Monthly Wrap: what's been cracking in life, money and business over here at Broke HQ. Thanks as always to PocketSmith for sponsoring this episode.

Each month I'll take you through:

In this episode I'm diving into the doom spending narrative that's spreading online, including why we're tempted to do it, why it's unhelpful, and what to do instead.

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Where to find me

Website: https://thebrokegeneration.com/
Instagram...

In this episode I'm talking about a piece of advice that has come up over and over again in conversations about money in recent months, which is this: manage your money and your life like its a business and you're in charge.

Developing emotional intelligence around your money is a critical part of being good with money – but we're not taught how to do it. Starting with this business-style approach to managing your money helps you see it like a tool, rather than an extension of your identity or a representation of your worth.

Highlights:

Welcome back to another Monthly Wrap episode thanks to my friends at PocketSmith.

Each month I'll take you through:

Head to www.pocketsmith.com...

I'm back with a new instalment of my 'thank yourself in 10 years' series, so get your hot little butt out for a walk and listen to the next batch of stuff you can do to make life easier for yourself in a decade's time.

Mentioned in this episode:

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n this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership.

Episode 3 highlights:

In this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership.

Episode 2 highlights:

In this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership.

Episode 1 highlights:

In 2025 I committed going one whole year without buying clothes... for a SECOND TIME! In this episode I take you through what I learned, the challenges, the wins, and how it differed from the first time around.

The Wardrobe Project group challenge is now open for enrolment for our next cohort starting March 1st, and early bird pricing is available until 12th Feb! Save your spot here: https://thebrokegeneration.com/product/the-wardrobe-project-cohort-3/

Mentioned in this episode:

 The Monthly Wrap is BACK, BABY!!! A loved episode format from many moons ago, I'm thrilled to bring back my monthly wrap up of goings on in my finances, life and business, in partnership with my friends at PocketSmith.

Each month I'll take you through:

In this episode I take you through an epic guided framework to help you create a blueprint for your hottest money year ever. Combining both objective and subjective elements of your finances, this blueprint will give you a complete look at your finances and establish the most bang-for-buck areas to focus on in 2026.

Mentioned in this episode:

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Welcome to 2026!! In this episode I'm unpacking the power of pride (and the momentum it generates) in your personal finances and exploring what we can do to make ourselves proud this time next year. 

Mentioned in this episode:

Reflect & Reset | The two part workshop: https://thebrokegeneration.com/product/reflect-reset-2025/

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BOOM we are hitting the ground running this January with a red hot look at where I spent my money in 2025 and what my plans are for it in 2026. Special thanks to PocketSmith for making this episode possible. Visit www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan.

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It's that time of year again! Join me as I rattle through 26 goals for 2026, in the realms of money, business, health, and happiness.

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ORDER MY FIRST BOOK, GOOD WITH MONEY

Where to find me

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

 Welcome to the annual TBG end of year guided money reflection! Grab your notebooks, pour yourself something tasty, and buckle in for a series of reflective questions about your year in money.

Want more? Dive deeper with my two part workshop series, Reflect & Reset, available instantly on demand, with a Money on a Page worksheet to complete between sessions. https://thebrokegeneration.com/product/reflect-reset-2025/

Thank you so much for being a part of the podcast this year, I appreciate you SO much! Here's to 2026.

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It's that time of year! Join me as I review my 25 goals I set for 2025 and cover off which ones I achieved, which ones I didn't, and what I learned along the way.

Mentioned in this episode: 

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In this episode I'm joined by Tash Etschmann (@tashinvests) for a chat about all things POINTS! We unpack everything from Qantas versus Velocity for frequent flyer points, Everyday Rewards vs FlyBuys, and other programs that offer added benefits. 

Join me as an Everyday Extra gal here: https://rewards.app.link/wc7wWEYYoOb

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ORDER MY FIRST BOOK, GOOD WITH MONEY

We're back again with another week in our wallets brought to you by PocketSmith. This week Victoria galivants around Japan while Emma has a low key week of hustling.

Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan.

See omnystudio.com/listener for privacy information.

In this episode I'm joined by Kim Heironymous, education manager at AustralianSuper, to talk all things superannuation and how to get engaged with your superfund for the benefit of your future self.

Highlights:

Take your Super Snapshot here to see how you’re tracking!

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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. 

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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!

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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! 

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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!

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.

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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...

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:

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!

Where to find Emma

Website: https://thebrokegeneration.com/
Insta...

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...

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. 

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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:

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!

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram...

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:

Mentioned in this episode: printable matrix t...

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...

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.