The Pay Off with Sylvia Jeffreys

The panic you feel when checking your bank balance? The cycle of overspending or over-saving? It's not just about numbers—it's about the deep, unconscious money scripts running your life.
Dr. Shefali Tsabary, the clinical psychologist, New York Times best-selling author, and revolutionary thinker famously endorsed by Oprah joins The Pay Off to talk about our approach to money.
Dr. Shefali shares how the ego dictates our decisions around debt, spending, and saving, how to conquer the paralysis of financial fear and how the emotional legacies of our childhoods shape our bank accounts today.
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Melissa Browne, author and financial expert, knows what it takes to build wealth as a woman on her own. But in the process, she encountered some barriers and obstacles that not only took her by surprise, but illuminated an insidious systemic problem faced by nearly all women.
Mel not only shares her raw powerful and personal story, but the exact methods and actions she took to rebuild her wealth. She also talks about:
why the financial world wasn't built with women in mind
how gendered language and ideas still create roadblocks
what true wealth really means
the unseen costs of menopause
a better kind of 'girl math'
Find more from Mel, including her new book Dare to be Wealthy, here
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How do you win an Olympic medal when you’re locked in a dark room with a concussion?
In this powerful and raw chat, one of our most successful Winter Olympians of all time discusses what it took to reach the summit of her sport, the challenges she overcame, the power of belief, the thing that was even harder than competition (that she’s even more proud of) and a confession of what her own lack of financial literacy cost her.
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Sometimes the biggest secret to success isn’t a service or product, but about the strength of partnership.
Scott and Elle Madden are the dynamic couple behind the fast-growing health and athleisure brand, FWD Form. This isn't your typical success story; it's a testament to resilience forged through fire.
In today’s episode, these co-founders share the wild origin story of FWD Form, the financial and emotional challenges of being partners in life and business and why they prioritise consistency over quick-fix trends.
They candidly share the impact of unexpectedly losing both their fathers within weeks and the difficult realities of grieving while running a company.
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Grief isn’t the only cost of loss.
Melissa Reader discovered this hard truth after living through the unimaginable: becoming a full–time caregiver to her husband, Mauro, whilst raising three young children and keeping their co–owned business afloat. This all came crashing down after Mauro passed away.
In today’s episode, Melissa is here to confront the financial aftershocks of serious illness and death that most of us are completely unprepared for.
Melissa Reader is the CEO of Violet, a national NFP helping families plan for the later chapters of life, and founder and CEO of Vera, a digital platform supporting families through the ageing journey. Her work sits at the intersection of care, technology and wellbeing, helping people navigate later life with greater clarity, dignity and confidence - long before crisis hits.
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