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 our finances.
Key takeaways:
Money is deeply emotional — our spending is driven far more by feelings, conditioning and habit loops than by logic, no matter how "mathematical" it looks on paper
The shame avoidance cycle is real: when we feel shame about our finances, we avoid them — which only makes things worse over time
Understanding why you behave the way you do with money is more powerful than trying to restrict or stop the behaviour cold
Social media and marketing are constantly triggering emotionally driven spending — self-awareness helps you recognise those triggers before they hit your bank account
The goal isn't perfection, it's curiosity — approaching your financial behaviour as an observer, without judgement, is where real change begins
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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.
Highlights:
The difference between the two schemes
Who is best suited to each (and who isn't)
Considerations when buying using a scheme, and risks to be aware of
Recent changes to the schemes that open them up to more people, including people who haven't owned property in the last 10 years, or single parents buying out a former partner
Case studies from people who have used the schemes and how it impacted their home ownership journey.
Head to www.firsthomebuyers.gov.au to find out more and check your eligibility.
This episode was created for educational purposes only, in partnership with the Australian Government.
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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:
Manners London trousers*: https://go.shopmy.us/p-51197832
Recipe Tin Eats fishcakes: https://www.recipetineats.com/salmon-patties/
Thank you as always to PocketSmith for being the official sponsor of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's Standard plan.
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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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