Your 30s are loud.

Careers accelerate. Babies arrive (or don't). Relationships change. Houses get bought. Everyone looks like they've figured it out and suddenly money decisions feel heavier and more permanent.

In this episode, Mel and Lawsie talk about the decade where momentum matters more than perfection. Because wealth in your 30s isn't built through dramatic moves. It's built through consistent ones… and by refusing to compare your life to someone else's highlight reel.

We cover:

– why small, boring investing still wins (even now) – the super conversation couples avoid and why women pay for it later – the insurance decisions that need to happen before life happens – avoiding the "dream home" golden handcuffs – lifestyle creep, pay rises and actually keeping your extra income – and the two habits quietly sabotaging women's finances: comparing and pressing pause

This episode is for women earning well and women rebuilding because both can feel behind for different reasons.

You're not late.

You just need to start moving.

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].

Links mentioned in the episode are below: Choicey link: https://calendly.com/d/ctfq-ktz-9zc/switch-save-on-health-insurance-expert-review-mbm

The 10k in 12 months link: melissabrowne.com.au/find$10kin12months

Investing in shares masterclass link: melissabrowne.com.au/shares DTBW: melissabrowne.com.au/books

If you could rewind to your 20s… would you actually change anything?

In this episode, we're not doing regret, we're doing perspective.

Because your 20s aren't about earning the most money. They're about owning the most valuable asset you'll ever have: time. And whether you're currently 25, 45 or 55, understanding what a "time millionaire" is might completely change how you think about your finances today.

Mel and Lawsie unpack the money moves that matter early (and the ones that quietly derail women for decades): – why bad debt steals your future without you noticing – how a few inconvenient years can transform your entire financial trajectory – the shocking long-term power of tiny, consistent investing – the financial truth behind relationships and wealth – and why confidence, not perfection, is the real goal of your 20s

This episode isn't really about your 20s. It's about realising you're not as behind as you think and what to do next, no matter your age.

You're richer than you think

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].

Links mentioned in the episode are below

My Financial Adulting Plan can be found at melissabrowne.com.au/financialadulting

Find $10K in 12 Months Freebie can be found at melissabrowne.com.au/find$10kin12months

Share Investing Masterclass can be found at melissabrowne.com.au/shares

Dare to be Wealthy can be found at melissabrowne.com.au/books

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money.

This episode is the fourth in our miniseries where we're talking about the big impact a decade can really have on your finances. We've covered where you're at, and where you might want to go, and today, we're talking about getting rid of bad debt – completely.

Bad debt is like a gaslighting, toxic boyfriend. It seems okay, but the reality is that it's keeping you trapped and controlled. If you want to build a better future, one of the best places to start is with kicking him out, and getting things under control.

In this episode, Mel dives into the 4 types of debt, the common ways many of us fall victim to bad debt, and gives you tools and tips on how you can manage and get out of it.

If you're ready to break up with your bad debt for good, this is the episode to tune into to learn how to make that happen.

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].

My Financial Adulting Plan is here

25 Ways to find $10K in 12 months is here

What are your Credit Card Points Costing You is here

Her Wealth, Her Way Conference is here

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money.

This episode is the third in our miniseries where we're talking about the big impact a decade can really have on your finances.

We started off by looking at financially where you're at now and then dove deeper into what that looks like, as well as where you'd like to go. In this episode, we continue with this, and Mel talks about challenging what you're working with.

Lifestyle creep is something that all of us can fall victim to, as our expenses rise with our income. And as small an impact as you might think it's making, the reality is over time it's adding up.

In this episode, Mel offers strategies to manage that lifestyle creep, exploring ways you could potentially increase your income to help you maximise your financial potential over the next decade.

If you're stuck wishing you had just a little bit more in your account each pay but have no clue how to make that happen, this is the episode to tune into to make things finally change.

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].

My Financial Adulting Plan is here

25 Ways to find $10K in 12 months is here

Her Wealth, Her Way Conference is here

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money.

This episode is the second in a where we're talking about the big impact a decade can really have on your finances.

We started off by looking at where you're at now financially and giving yourself a score out of 10. This week, we're looking deeper into that now, really examining where you are now, and where you want to go.

It's an easy thing to say but putting it into practice is where things get tricky.

Understanding where you are now can be confronting, and knowing where you want to go might be something you haven't thought about till now. But by assessing what you truly want from your finances, rather than just what society expects, you can create the financial plan and future that you've always dreamed of.

In this episode, Mel talks through her own experience with this, covering practical steps to assess your financial health, set achievable goals, and create a roadmap for financial success.

If the idea of looking at your finances in a decade terrified you, make sure to tune into this episode to learn how to get it under control, and what next steps to take.

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].

My Financial Adulting Plan is here

My Financial Focus is here

Her Wealth, Her Way Conference is here

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today we're talking about the big impact a decade can really have on your finances.

Starting off, Mel asks the question, how old you'll be in 10 years time. For some of you it's a number you're itching to get to, while for others that number can be confronting.

Society today is all about living in the moment, it's built on ageism, valuing youth and beauty and as a result for so many women, looking ahead can be daunting at best, and frightening at worst.

While we can't impact how you feel about that age physically, we can help you financially and emotionally, by helping you understand the big impact you can have on your finances in just a decade.

So, if you're thinking of that age you'll be and feeling a little nervous for her, this is the episode for you to tune into.

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].

My Financial Adulting Plan is here

Mel's Money Quiz is here

Her Wealth, Her Way Conference is here

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today we're talking investing during uncertain times, diving into whether it's all 'back to normal' now.

When Donald Trump took office, many people were nervous about what might happen to the markets. When he announced tariffs and the markets crashed earlier this year – many people panic paused, sold or bought. When he reversed some of those decisions and the market bounced back – many people think it's back to business as usual.

In this episode, I want to give my take on what I think we should expect.

And what that means for you, your money and investing.

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].

My Financial Adulting Plan is here

Share Investing Masterclass is here

Double your Business Masterclass is here

Pricing Psychology Masterclass is here

Free 25 Ways to Find $10k in 12 Months download is here

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today we're talking money and hormones.

While we've talked in previous episodes about perimenopause, menopause and money - today we're diving into money and hormones, for those still menstruating.

It's about leaning into what we as women already know. We behave and feel differently during different parts of our menstrual cycle. Knowing this, understanding how different stages can impact your behaviour and how you might best set your self up for success.

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].

My Financial Adulting Plan is here

Listen to my episode talking about Money and Hormones with Dr Ginni Mansberg here.

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today, we're talking unconscious biases when it comes to money.

The episode is the result of reactions to an article Mel wrote for a publication that a very lovely gentleman described as a 'moronic analysic' as it dove into the questions:

• Are you in an echo chamber where you're just receiving the same answers from people around you because you all believe the same thing?
• Do you react strongly to something financially without thinking about whether that really is something that you do?
• What would it mean if you were to let go of unconscious bias and consider an alternative point of view?

Todays episode looks at unconscious bias and loss aversion and how you might be inadvertently sabotaging your finances as a result.

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].

My Financial Adulting Plan is here

What are your credit card points costing you is here

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today, Mel is talking about what is normal financially.

Am I doing okay?

It's a question one of Mel's friends asked her recently, and it's one she hears a lot. What they're asking when they say that is:

• How am I compared to other women my age

• How am I compared to how I want to live

Todays episode looks at that question more in depth, diving into what is financially normal anyway.

If you've ever wondered how you compare, tune in for the episode that answers just that.

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].

My Financial Adulting Plan is here

Share Investing Masterclass is here

25+ ways to find $10K in 1 months is here

Super Catch Up Calculator is here

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today, Mel is talking about ageism and money, because it's a conversation that just isn't affecting the blokes in the same way.

Too often women are opting out of investing because they fear that they're too old and that they've aged out. In reality, it's more important than ever that now is the time to start to lean in.

Talking about ageism in money and investing, in this episode Mel is here to give you hope that no matter what age you are – there's still so much you can do.

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].

My Financial Adulting Plan is here

Share Investing Masterclass is here

25+ ways to find $10K in 1 months is here

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.