The Pay Off with Sylvia Jeffreys
Money is a constant contradiction. You’ve got to spend money to enjoy life but save every cent for the future. It’s why Australians are caught between impossible expectations and an economic system that feels stacked against them. So, how do you keep up the juggling act when the stakes just keep getting higher? In The Pay Off Sylvia Jeffreys sits down with leading experts and entrepreneurs to uncover tips and tricks from some of the sharpest business minds in the game.
Episodes
Buy Now Or Wait? The Property Market With Westpac's Carolyn McCann
Property prices are falling, but higher interest rates are squeezing borrowing power. So, should you buy now or wait? Westpac’s latest Home Ownership Report reveals buyers are holding back, waiting for rates to settle or prices to fall further. But how do you weigh that uncertainty against your own circumstances? Sylvia Jeffreys is joined by Westpac’s Chief Executive, Consumer, Carolyn
ETFs, AI And Why Women Are Better Investors Than They Think
Women make up two in three beginner investors. But as investing gets more advanced, that representation starts to fall away. Global X portfolio manager Jessica Leung thinks confidence is a big part of the problem — and she knows what it’s like to feel out of place in finance, having spent much of her early career as the only woman on her team. Jessica joins Sylvia to strip investing ba
Job hunting? The new rules of getting hired
Why does a strong CV disappear into a recruitment black hole? Former recruiter and Project Roar founder Catherine Harris joins Sylvia Jeffreys to explain how hiring has changed, what can stop your application reaching a person, and why spending hours on job boards may be getting you nowhere. They cover: How to make your CV easier for recruitment software and recruiters to read What to do if
Will Interest Rates Rise Again? Inside the RBA With Chief Economist Sarah Hunter
Australia is one week out from the RBA’s next interest rate decision — and the possibility of another rate hike is firmly in focus. So what is the Reserve Bank actually watching? RBA Chief Economist and Assistant Governor Sarah Hunter joins Sylvia Jeffreys to take us inside how the bank thinks about interest rates, inflation and the Australian economy — and bust some of the bigge
Reuben Williams Quit His Own Company. Then Bought It Back.
SportsGrad founder Reuben Williams quit his own company — then figured out how to buy it back. But that’s only part of his story. Reuben has gone from landing his dream job at Cricket Australia, to redundancy, entrepreneurship and almost losing the business he built. He’s helped close to 850 people find jobs in sport, travelled the world chasing some of its biggest events, and re
Who Gets a Seat at the Table? Phoebe Saintilan-Stocks on Media and Power
Phoebe Saintilan-Stocks has built her career around a question: who gets heard — and who gets a seat at the table? After working inside Parliament House, she founded Missing Perspectives to give young women a bigger voice in media. What started as a Squarespace blog has grown into a global media platform, backed by major brands and amplified by the likes of Reese Witherspoon. Now, her
How Sundae Body Reached 10,000 Stores — And Nearly Broke Along the Way
Sundae Body sells a product every six seconds and is stocked in more than 10,000 stores across 14 countries. But behind the rapid growth of the colourful Australian beauty brand are some costly mistakes and hard-earned business lessons. Lizzie Binks went from working in a call centre and receiving a school score of 59 to building one of Australia’s fastest-growing beauty brands. The Su
What Does $100B Do to a Friendship? Inside the Atlassian Story
Mike Cannon-Brookes and Scott Farquhar started Atlassian as two university friends with $10,000 in credit card debt. They went on to build a global software giant worth more than $100 billion — and become two of Australia’s richest people. But behind the extraordinary success, their friendship was beginning to fracture. Tech Bros authors and senior business journalists John Stensholt a
Rates, Housing and AI: What's Really Happening to Australia's Economy?
Interest rates remain at 4.35%, house prices are falling across much of Australia, and households are still feeling the cost-of-living squeeze. So, what happens next? Westpac Chief Economist and former Reserve Bank Assistant Governor Luci Ellis joins Sylvia Jeffreys to unpack the RBA’s latest decision, what it means for mortgage holders and why Australia’s housing downturn isn’t
Can Tech Save Democracy? Why 600,000 Aussies Used Lizzie Hedding's Voting Tool
What if technology could help us become better voters? Climate advocate, former elite long jumper and Build a Ballot co-founder Lizzie Hedding is trying to do exactly that. Her non-partisan voting platform attracted more than 600,000 users during the last federal election, helping Australians cut through political noise and make more informed decisions at the ballot box. In this episode of The Pay
What Astronaut Katherine Bennell-Pegg Wants You To Know About Achieving the Impossible
What does it take to dedicate decades of your life to a dream that feels out of reach? In this episode of The Pay Off, Sylvia Jeffreys sits down with 2026 Australian of the Year Katherine Bennell-Pegg, Australia’s first qualified astronaut, to explore what it really takes to pursue an extraordinary goal. From stargazing in her Sydney backyard to completing one of the world’s most deman
How to Fund, Start and Scale with Edible Blooms’ Kelly Jamieson and Westpac’s Tamara Bryden
Starting a business is exciting. Building one that lasts is something else entirely. In this episode of The Pay Off, Sylvia Jeffreys is joined by Edible Blooms Co-founder and Managing Director Kelly Jamieson and Westpac Managing Director of Business Lending Tamara Bryden to unpack what it really takes to launch and grow a successful business. Kelly shares how she turned a kitchen-table idea into o
Where Australia’s Top Stock Picker Is Investing Right Now, with Jun Bei Liu
Jun Bei Liu arrived in Australia from China at 16 with little English but big ambitions. Today, she's the co-founder of Ten Cap, one of Australia's top-performing hedge funds, and one of the country's most respected stock pickers. In this episode of The Pay Off, Sylvia Jeffreys sits down with Jun Bei to unpack where she's finding opportunities in today's market, why she's avoiding some of the bigg
The Money Habits That Build Financial Freedom, with Canna Campbell
It started with a drawer overflowing with sticky $5 and $10 tips, tucked away after gruelling 3am bar shifts while trying to survive university. That mountain of cash eventually triggered an unexpected bank investigation, a furious confrontation with her father and a lifelong obsession with building financial freedom for herself and others. In this episode of The Pay Off, Sylvia Jeffreys sit
Made Redundant? Here's How to Bounce Back Stronger, with Natalie MacDonald
It came in a midnight email, despite having just kicked some huge goals for her company, and just six weeks after returning from parental leave. Redundancy. Something that's being faced by people in their thousands right now. In this episode, Sylvia Jeffreys sits down with Natalie MacDonald. As a former business journalist and a founding member of the LinkedIn News Australia team, Natalie spent ne
The Anti-Influencer Guide to Nailing Your Budget and Spending with Intention, with Breana Davison (Bree on a Budget)
Your days of wondering where all your money went are over. In this empowering episode, full-time nurse turned anti-influencer Breana Davison (@breeonabudget) reveals how she broke free from a debilitating mountain of debt to buy her first home, a secure financial foundation and absolute control over her spending and lifestyle. In this episode: the reality of a life of intentional spending and min
How Authenticity Still Drives Everything for Steph Claire Smith (KIC)
There's plenty of advice out there about fostering a social media, building a multi-million dollar business, or creating an utterly devoted community. Steph Claire Smith, founder of KIC, one of Australia's biggest wellness brands, has done all of these things. But her key is a little more simple than most: above all, keep it real. Not only that, this principle has also steered her through some of
The Scams Out to Get You Right Now - and How to Stop Them, with Ben Young (Westpac Head of Scam and Fraud Prevention)
If you thought an EOFY sale was the biggest threat to your savings right now, this episode will make you think again. Ben Young, Head of Fraud and Scams Prevention at Westpac, pulls back the curtain on the scams he encounters - and fights - every day. From 'flavour of the month' tactics specifically designed for tax time, to emotion-triggering texts, the long cons of investment or romance scams, t
Why Menopause is Corporate Australia’s Hidden Problem, with Mary Coustas
Australian actress and comedian Mary Coustas - and her famous and fabulous alter-ego Effie - have been responsible for decades of laughter. But away from the stage and screen, she's faced struggles shared by millions of other women: a grueling 23-cycle IVF journey, navigating the profound grief of a stillbirth and symptoms of menopause that, surprisingly, were hardest to deal with of all. In this
How Ex-Journo Talitha Cummins Honestly Disrupted the Diamond Industry
Being honest has done a lot for Talitha Cummins. It's allowed her to pivot her skills as a prominent television journo into becoming the founder and design director of Australian fine jewelry house The Cut. It's generated sales across the world with zero in paid marketing. It's ruffled the feathers of her competition. It's helped her heal from addiction and it's encouraged countless others to
Navigating a "Swirling Economy": Westpac CEO Anthony Miller’s Honest Verdict on the Budget, Housing Supply and More
Australia is caught in a complicated, fast-moving financial landscape—what Westpac CEO Anthony Miller calls a "swirling economy." In this episode, Sylvia sits down with the leader of one of the nation’s Big Four banks for an unfiltered, data-backed assessment of the country's economic future. Anthony shares his candid perspective on the structural hurdles holding Australia back a
Is Private Education Worth It? with Skye Predavec
It's the question that weighs upon every parent: where do I send my kids to school?But with yearly tuition fees for private schooling reaching truly staggering numbers, another question often follows: is it worth it? In this eye-opening episode, Skye Predavec, researcher behind the Australia Institute's recent report on private schooling unpacks the data and the stark structural realities of our s
The Tips and Techniques to Make Your Kids Rich, with Sarah Megginson
If you've ever wanted to ensure you're giving your kids the best possible financial start - imparting not just wealth, but the means for them to generate and handle their own wealth throughout their lives, this is the episode for you! Finance expert, mother of three and author of 'How to Raise Rich Kids' Sarah Megginson is here to share her expertise, including: What rich really means
Why Scott Phillips is Optimistic About Your Financial Future
Between the cost-of-living crisis, a brutal housing market, and the constant "doom-scrolling" of financial news, it’s easy to feel financially disheartened. But today’s guest has a different perspective. In this episode, Sylvia sits down with Scott Phillips, Chief Investment Officer at The Motley Fool Australia to explain why (and how) your long-term financial future could be brighter
Shares vs. Property: Shifting Wealth Strategies Post-Budget with Ben Nash
Sylvia Jeffreys and financial advisor Ben Nash continue dissecting the latest federal budget, exploring how the proposed property tax and CGT changes will affect young Australians. And if they become law, what are some other investment opportunities for younger Aussies to mull over?See omnystudio.com/listener for privacy information.
Bringing an Athlete Attitude to Business, with Luke Trickett
What happens when you take the "blinkered" focus of an elite swimmer and apply it to the high-stakes world of stockbroking, fintech and entrepreneurship? The success of Luke Trickett, ex-competitive swimmer and founder of Marmalade and Blue Stamp Company, is the answer. Luke reveals why "satisfaction" is a foreign concept to him, the reality of transitioning from the pool to stockbroking
Charlie Blomfield: Fuel to Food Crisis?
Are we sleepwalking into a national food crisis? A war in the Middle East, a global shipping bottleneck, blown-up fuel and LNG plants are contributing to a global fuel crisis. But beyond fuel, it's the effect on fertiliser supply that might shock Australians if the crisis isn't solved sometime soon. Farmer and social media star Charlie Blomfield joins Sylvia to talk about the massive geopolitical
Leading Through the Unthinkable: Kellie Sloane at Bondi and After
On December 14 2025, an evening of Hanukkah celebration in Dover Heights rapidly became something very different for NSW Opposition Leader Kellie Sloane. In this raw and deeply personal conversation, Kellie recounts the moments she jumped into a Hatzolah ambulance to race toward the danger of Bondi beach, arriving at the scene as the final shots were being fired. Kellie provides a visceral, first-
Emergency Episode: What the budget means for you
With a generational overhaul of property taxes, family trusts, and negative gearing, the government has finally picked a side in the housing war. Sylvia, Amy Remeikis, and Joel Gibson dig into who wins and who loses, why your rentvesting strategy just hit a wall, and if the broken promise of this budget will actually be forgiven at the ballot box.See omnystudio.com/listener for privacy infor
'How to Get' the Big Issues This Budget, with Chris Kohler
Next week, the federal budget drops. For most of us, it’s a flurry of headlines and jargon that feels a world away from our daily bank balance. But behind the billion-dollar figures are the decisions that dictate your rent, your grocery bills, and your job security. And luckily, to help us 'get it', there's Nine Finance Editor Chris Kohler. In this episode, Chris breaks down what might be th
Rate Hike Realities EXPLAINED, with Diana Mousina (AMP Deputy Chief Economist)
Sylvia sits down with AMP Deputy Chief Economist Diana Mousina to analyze the RBA's latest rise and exactly what it means for your family budget. In this episode: Exactly how much more the average new mortgage holder is looking at from recent hikes How rising petrol and diesel prices act like a "hidden" interest rate rise on top of the RBA’s decision The potential for costs to be pass
How 'Giving a Crap' Can Get You Success, with Simon Griffiths (Who Gives a Crap)
Can wiping away what you've been told about profiting lead to your business being flush with cash? Simon Griffiths, the visionary co-founder and CEO of Who Gives a Crap knows so. In fact, in this episode, he shares why giving away 50% of his company's profits not only led to multi-millions donated to the cause of global sanitation, but to a competitive market advantage and success that could not h
NBC Reporter to Kardashian-Approved Fashion Empire - Kathyrn Eisman (High heel Jungle, E News, NBC)
How do you go from being the youngest on-air reporter in NBC history, to a fixture of every red carpet event in LA, to founding a fashion brand worn by Kylie Jenner, Rihanna, and Ariana Grande?In Kathryn Eisman's case: fearlessly. In this episode, the powerhouse entrepreneur, author, and media personality shares her unfiltered journey of radical career pivots, from living in a caravan on a N
EVs: are they REALLY the smart financial move? with James Ward (Drive)
If the problem is sky high fuel costs, could an electric vehicle be the solution? It's the logical question being asked by more and more Australians. But are there hidden costs we don't know about? Are they actually cheaper to run than a standard petrol car? Is Australia's charging infrastructure good enough? And what are the best options right now? Sylvia chats to James Ward, director of content
Two Best Friends, 1,000 Browser Tabs, Half a Million Users - SORTD founders Alexis Aaron & Jodine Wolman
How do you come up with a brilliant business idea simply from browsing online? How do you scale that business to reach hundreds of thousands of users? And how do you do it all with your best friend whilst keeping your relationship as strong as ever? Oh yeah, you can also throw in having a baby and being recognised by Forbes 30 under 30 too. Two young women who have the answers to all of thes
Lessons, Leadership, Resilience, with Kelly Bayer Rosmarin (Optus, Australian Unity, CBA)
From the high-stakes pressure of Silicon Valley’s dot-com boom to leading one of Australia's largest telecommunications giants through a national crisis, Kelly Bayer Rosmarin has navigated a career defined by massive shifts and "deep end" learning. In this insightful episode, the former Optus CEO joins Sylvia to discuss her new chapter as the head of Australian Unity and the hard-won lessons
Buying the Right Home Sooner, with Evan Thornley (LongView, GoodStart, LookSmart)
How more Australians can enter into the property market - how they can have dignified, secure housing that delivers good capital growth - is the multi-million dollar question.And it's one that Evan Thornley might have an answer to. In this episode, the tech pioneer, founder of LongView and co-founder of GoodStart, argues that while the system is fundamentally broken, there is a data-driven path to
No. 1 Property Expert Shares her 2026 Playbook, with Alice Stolz
Sylvia sits down with Alice Stoltz from Domain—often called the "walking encyclopedia" of Australian real estate—to cut through the headlines and give you the data-driven truth about what’s happening right now. If you’ve been feeling "handcuffed" by interest rates or worried about the "choppy" nature of recent auctions, this is for you. In this episode: Which segment of th
How Passion Built an Empire, with Matt Moran
At 15, all Matt Moran knew is that he didn't want to be in school anymore. At 22, he had his first restaurant. And now, he has a name synonymous with success and excellence. Matt opens up about his humble beginnings, the reality of the high-pressure world of professional kitchens, and just how far a desire to work, to learn, to ask the right questions, to trust the right people - and above a
FUEL CRISIS - What you NEED to know, with Expert Economist Evan Lucas
Experts are calling this the worst fuel crisis in history.And despite petrol station closures and record costs to fill the tank, there are some effects that are still yet to be seen. Expert economist Evan Lucas helps break down exactly we could expect - the products we might see disappear from our supermarkets and stores, the downstream effects of $4+ per litre, how it could change policy and beha
Creating What Needs to Exist, with Invisible Zinc and WelleCo's Andrea Horwood
In our teens, most of us are figuring out our laundry. But Andrea Horwood was launching a magazine that would define a generation: Australian Style. And she hasn't stopped since then. Andrea is the ultimate serial entrepreneur: from that legendary magazine to creating the Australian summer staple, Invisible Zinc, and the globally successful wellness brand, WelleCo. Andrea has an insider's perspect
The current "CRISIS for households" - ESSENTIAL tips with Effie Zahos
Amidst the potential for unprecedented prices at the bowser and the checkout and likely increases to interest rates, Nine News Money Editor and consumer champion Effie Zahos tells us everything we need to know to stay financial afloat. See omnystudio.com/listener for privacy information.
The Art of Backing Yourself, with Asher Keddie
Asher Keddie is, without a doubt, one of Australia's most loved actors - a title earned by many relatable and heartfelt roles. But the time in her career that feels most powerful and rewarding is happening now. In this conversation, she tells Sylvia: How she learned about life on set Pivoting roles, backing yourself and finding a voice Going into a business partnership that is meaningful to
URGENT: ASX down, THIS is what to DO (with Chris Brycki)
With actions in the Middle East wiping billions from the market and from super, what are the crucial things we should (or shouldn't) be doing right now? Chris Brycki, founder and CEO of Stockspot breaks it all down, including what is causing the volatility, how long it's likely to last, the biggest mistakes to make sure you avoid, as well as the potential opportunities that exist at this moment.&n
Raising Kids Who Are RICH In Resilience with Dr. Shefali
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. Shef
From Moldy Basement to Multi-Millionaire with Melissa Browne
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.
Having the Vision to Win with Torah Bright
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
Finding Balance As Co-Founding Spouses with Elle & Scott Madden
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
The Hidden Costs of Grief with Melissa Reader
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 after
Surviving The Parenting Trenches with Kate Reeves & Gemma Pranita
If you’re a full-time working parent who often feels like you just don't have time for this, I implore you to make time for this episode. Kate Reeves and Gemma Pranita are the powerhouse hosts of the viral podcast We Don’t Have Time For This and are today's guests on The Pay Off. They’re two childhood best friends who turned their time-poor, opinion-rich dynamic into a boom
Making Sense Of The Crypto Craze with Jason Titman
For many of us, crypto still feels like a foreign language — but not for today's guest. Jason Titman is the CEO of Australia's leading crypto exchange, SwyftX and joins The Pay Off to help demystify the world of digital currency. Jason, whose fascinating career spans from computer auditing and hotels to being a "King of Crypto," explains the tangible assets behind crypto and why the in
New Year, New Money Habits with Emma Edwards
You might feel like a hot mess, but your money habits don’t have to be. The financial fresh start you need for the new year is here and who better to kick this all off with than Emma Edwards, a certified financial behaviour specialist and founder of BROKE MEDIA. In this episode, Emma, a self-proclaimed hot mess millennial, breaks down the insights from her best-selling book Good
BEST OF: Turning A Side Hustle Into An Empire
Welcome to your masterclass for transforming extra income into lasting wealth. This "Best Of" episode is dedicated to unlocking the inside secrets from four incredible guests who successfully scaled their passion projects into full-blown, revenue-generating business empires! We've condensed hours of transformative interviews into a single, high-impact listen, giving you the proven playbooks and mi
BEST OF: Your Blueprint for Maximising Life in the New Year
Ready to make next year your most impactful yet? We've raided the vault for our most inspiring, business-shifting, and life-changing conversations of the year and distilled them into one powerhouse episode! Hear the best advice from Meggie Palmer, Molly Benjamin and Dr Rebecca Ray around talking about money, whether it's with your boss, your best mate or on a first date. This episode isn't j
Trading Fear For Female Empowerment with Doone Roisin
Cashing in is great, but we think banking on yourself is even better. That terrifying plunge into entrepreneurship is real, but you shouldn’t let the fear of the unknown sideline your ambition. Today’s guest can attest to exactly that. Doone Roisin, founder of The Female Startup Club, is on The Pay Off this week giving a masterclass on being bold, building community, and beating
Breaking Down ETFs with Sebastian Mullins
We hear it constantly on this podcast: ETFs are the most powerful tool for building wealth today. But what separates a good ETF from a bad one, and how do you even start? Sebastian Mullins is the Head of Multi-Asset and Fixed Income at Schroders Australia and joins The Pay Off to provide the ultimate guide on becoming an investing powerhouse. Sebastian breaks down what an ETF is, how to harness th
Turning 'Inspired By’ Into An Empire with Shelley Sullivan
How do you build a billion-dollar beauty empire based on high-end imitation? For our guest today on The Pay Off, Shelley Sullivan, founder of ModelCo and the explosive mass-market brand MCoBeauty, imitation wasn't just flattery—it was a calculated, brilliant, and controversial marketing strategy. Shelley's journey began with an entrepreneurial spark, launching a modelling agency at 21 before
It’s Tough Being A Young Person Right Now with Russel Howcroft
It was a statement that broke the internet—and simultaneously hit the nail on the head. “It is extremely difficult to be a 30-year-old in Australia right now” was the powerful sentiment which sent today’s guest viral online… So let’s talk about it. Advertising giant, podcaster and media personality, Russel Howcroft, joins The Pay Off today for some real t
It's Time For Your Money Reset with Gemma Mitchell
Sometimes life can feel picture perfect – until it doesn’t. In this episode of The Pay Off, Sylvia sits down with financial advisor, professional wealth coach, and author, Gemma Mitchell, to talk about financially rebuilding from the ground up when inevitable curveballs—like divorce or sudden job loss—get thrown our way. Gemma, who built what looked like the 'perfect
Compounding On ‘Luck’ To Create Luxury with Adam Schwab
With a successful business history like his, you pretty much afford yourself bragging rights for life. And yet, Adam Schwab is unbelievably humble when it comes to discussing his entrepreneurial journey, crediting compounding luck, an incredible team and a loyal customer base of 8-million people to his ongoing success. On this episode of The Pay Off, the Luxury Escapes Co-Founder and c
How Blossom Is Breaking Investment Barriers with Ali & Gaby Rosenberg
On a podcast about money, it’s not uncommon to hear about ‘bonds’. We’re taking a slightly different approach… We’re talking about sisterly bonds. This week’s guests on The Pay Off are sisters and co-founders, Ali & Gaby Rosenberg, whose strong sisterly bond has allowed them to create the successful Fintech company Blossom. In this episode
A Stress Free Financial Future with James Wrigley
With anxiety at an all time high when it comes to the cost of living, the size of your super, and the money in your bank account, is a stress-free financial future an achievable reality? In this episode of The Pay Off, Sylvia sits down with financial advisor, wealth expert, and author, James Wrigley, to talk about replacing that paralysing financial fear with confident, actionable choices. As laid
From Rock Bottom to Reclaiming Your Power With Luke Bateman
He’s a man who unashamedly loves dragons, wizards and fairies… But it would be the inner demons which would spark the greatest change in his life. Luke Bateman is the man making SERIOUS noise on social media, sparking an absolute frenzy across BookTok for his authentic and honest passion for fantasy books. He’s now running his own company, signed a two book deal and
Tackling The Gender Super Gap with Senator Jane Hume
She went from being a banking executive to a Senator determined to fix the system. But is the political fight worth it? On this episode of The Pay Off, Sylvia is joined by Senator Jane Hume, the former financial sector powerhouse who stepped off the corporate ladder and into the Senate. Her mission? To correct the systemic failures that are costing Australian families—and particularly
The Three F's Of Finance You Must Know with Queenie Tan
Financial freedom is a mindset, not a milestone. Today’s guest is Queenie Tan, the financial guru helping people reframe their relationship with personal finance. Through her platform, ‘Invest with Queenie’ and recently published book ‘The Fun Finance Formula’, Queenie is on a mission to prove your money doesn’t have to be a source of stress or deprivation, and
A Life Not Limited By Money with Ben Nash
Simple principles to transform your financial habits - that’s what this podcast is all about. It’s also a philosophy our next guest on The Pay Off is sharing with the world. Ben Nash is a financial advisor, best-selling author, and the man behind Pivot Wealth. He’s all about making smart moves with your money, so that you don’t have to sacrifice your lifestyle or give up on
Super Tools To Get Set for Life with Bec Wilson
Retirement isn't an end—it's the start of your most epic chapter. So, forget everything you thought you knew about retirement because Bec Wilson is here to redefine it. In today’s episode, Bec gives a step-by-step guide crafting a retirement which isn't just about ceasing work, but about beginning a new, purpose-filled chapter. Bec also talks about why young Aussies should care more ab
It’s Worth Weathering The Storm with Christine Holgate
What does it take to rebuild your career after navigating one of the toughest storms? This week on The Pay Off, Sylvia sits down with Christine Holgate, the former CEO of Australia Post and Group Executive Chairman of Team Global Express. Christine’s career has been marked by both incredible success and immense public scrutiny. But what many people don’t know is that she went from sitt
You Earn What You Learn with Bianca Hartge-Hazelman
Traditional 9-5 jobs are getting the sack. The challenge is no longer just landing a job—it’s staying relevant, employable, and ahead of the curve. How do we future-proof our careers when the rise of AI makes us fear becoming replaceable? In today’s episode, Sylvia chats to Bianca Hartge-Hazelman, the Co-founder, Editor and CEO of Financy HQ about the gender pay gap,
Janine Allis Doesn't Believe In Imposter Syndrome… Here’s Why
Boost Juice, Shark Tank and Survivor Australia all have one thing in common… Janine Allis. She’s the uber successful business mogul with the impressive resume to match, and today, she’s sharing all of her insights on The Pay Off. In this episode, Janine shares a few unexpected (and unbelievable) travel stories from her 20s, her thoughts on ‘imposter syndrome&rs
Here’s How To Be Rich in LIFE with Milly Rose Bannister
“A Lululemon ambassador and influencer”. That’s how some media outlets described today’s podcast guest, Milly Rose Bannister, earlier this year after she appeared at Parliament House to break down the Federal Budget for young people… Milly is the founder of the Gen Z mental health charity ALLKND… Funny that this undeniably impressive undertaking didn't g
Is The Great Aussie Dream ACTUALLY Dead? Mark Humphries Knows
Sometimes, the best way to talk about something difficult is to find a way to laugh about it. That's exactly what my guest today, Mark Humphries, does. He’s a master of using satire to tackle tough topics, from the political arena to the current economic climate. Mark is on The Pay Off to discuss his new documentary, SOLD! Who Broke the Australian Dream?, which looks at the growing hou
Talk Tax to Me… Allegra Spender Weighs In
It’s official - were deep in an affordability crisis. So, can someone explain why young people are still paying so much tax and struggling to get a foothold in the housing market? We’re all ears. Cost-of-living pressures are through the roof, homeownership feels out of reach, and "bracket creep" is quietly eroding our hard-earned dollars. Leading the charge for a fairer system is Alleg
The Future Is Female with Helen McCabe
Women SHOULD run the world—just ask Queen B. So, can someone explain why we’re so underrepresented in leadership and key decision making roles? I’ll wait. The gender pay gap still looms, workplace discrimination remains deeply ingrained, and the boardroom is still missing too many female voices. Leading the charge for change is Helen McCabe, founder of Future Wo
Hidden Money In Your Home with Susan Wheeldon
For many of us, the mid-year slump is creeping in. It’s that halfway point in the year where the only remedy to your exhaustion is putting on your Out Of Office email and travelling somewhere which won’t completely break the bank. One woman helping cure those mid-year woes for millions of people is Susan Wheeldon, Airbnb’s Country Manager for Australia & New Zeala
Money Talk Which ACTUALLY Makes Sense with Chris Kohler
If you get it, you get it. If you don't, talk to Chris Kohler. When it comes to complex financial issues, Chris has an unbelievable ability to break it down in a way which ACTUALLY makes sense and cuts through the BS. Today's episode is no different. Chris sits down with Sylvia to talk about the power of "silly" socials, the money lessons his father Alan Kohler taught him, the year's best an
Just Getting Started with Brittney Saunders
What if the secret to building a multi-million brand wasn't about following a grand plan, but just... starting? From navigating the Wild West of early online content creation to bootstrapping her wildly successful fashion label, FAYT, powerhouse entrepreneur Brittney Saunders pulls back the curtain on the REAL hustle. In this episode, Brittney aka. “Just a girl for Newy" opens up leaving sch
Effie Zahos Answers Your Burning Money Questions
When it comes to questions around money, there’s no shortage of them out there… So this week, we're handing the mic over to YOU. In this special Q&A episode, Australia's most trusted personal finance expert dives deep into the real-world financial dilemmas listeners like you are facing. From understanding the power of investments to the credit card versus afterpay debate, Ef
Diversifying Your Income Like A Boss with Sammy Robinson
"Oh, you're just a little girl with a dream". Those were the words Sammy Robinson heard after pitching her clothing company idea to a male investor. That company, One Mile, now has two Sydney stores (and growing) and sold out on it's first day of launch back in 2020... In this episode of The Pay Off, Sammy talks about how she feels being labelled an 'influencer', her early days on soci
The Budgeting Glow-Up You NEED with Jess Irvine
Let’s be honest, the thought of tracking every dollar, wrestling with spreadsheets, and saying no to little luxuries? Not exactly thrilling stuff. What if budgeting wasn’t about restriction though? What if it gave you more freedom, not less? Enter Jessica Irvine, CommBank’s personal finance guru and perhaps one of the most passionate people about budgeting. In this ep
