Money with Alpha

Alpha Schulte
  • 5.0 (4)
  • SELF-IMPROVEMENT

Welcome to Money with Alpha, where I share simple tips for how to make, save and invest money, while also connecting your values with your lifestyle, so you can achieve the life you really want. You will also hear interviews from real people as they share the ups and downs of their money journey. After all, we are all on a journey and what better way to learn about money, then to hear what hasn't and has worked!

  1. Ep200 Navigating Steep Learning Curves

    2 DAYS AGO

    Ep200 Navigating Steep Learning Curves

    In this 200th episode of Money with Alpha, I take you behind the scenes of building my new financial app, and the unexpectedly powerful parallels it revealed about women and money. I am not a tech person. In fact, I've been on one of the steepest learning curves of my life, navigating tech stacks, hosting regions, API keys, compliance requirements, and software integrations. There were days when my head felt like it might explode. And then it hit me: This is exactly how many women feel about money. Not incapable. Not unintelligent. Just unfamiliar with the language, systems, and tools. In this episode, I unpack the five biggest hurdles I've encountered while building the app, and how they mirror the common blocks women face when managing money: Language – Jargon creates overwhelm. Knowledge gaps – Not knowing where to start. Cost (visible and invisible) – The price of action vs. the price of inaction. The Build – Creating visibility and systems. The Tech/Tools – Finding the right tool changes everything. You'll hear why: You don't need to be a "numbers person" to build wealth. Investing doesn't have to be complicated (hello ETFs and micro-investing). The real cost is often doing nothing. The right tool can fast-track your confidence and clarity. You are not behind, you're simply on a learning curve. This episode is about empowerment. If I can build a tech app from scratch with zero background, you can absolutely learn to manage and grow your money. You might not be there yet, but you are getting there. 🎧 Listen now 📌 Join the waitlist for the upcoming app at www.money-madesimple.com.au

    24 min
  2. Ep199 - How to Reach Your Number

    16 FEB

    Ep199 - How to Reach Your Number

    So much of the anxiety we feel around money doesn't come from a lack of income, it comes from a lack of clarity. In this practical and grounding episode of Money with Alpha, Alpha walks you through a simple but powerful exercise to help you identify your retirement number. Not to overwhelm you, but to give you something solid to aim for. If the future feels like a big black hole… If you're doing "all the right things" but still feel unsure… If money feels like one more thing you don't have the mental space to deal with… This episode is for you. Alpha breaks down: Why uncertainty fuels money anxiety How having a number changes your present-day decisions A simple, step-by-step way to calculate your retirement target How to assess your current net worth (without judgment) What to do once you see the gap, and why it's not as scary as it sounds The small, realistic money levers that actually move the needle Why momentum matters more than perfection This isn't about scrimping, sacrificing, or living a joyless life now for a future that may never come. It's about clarity, intention, and balance, so you can enjoy your life now and later. 🎧 You may want a pen and paper for this one or listen once, then come back to it. 🔗 Join the waitlist for Alpha's upcoming app (designed to make all of this easier): 👉 www.money-madesimple.com.au

    20 min
  3. Ep198 Your Nervous System & Wealth

    9 FEB

    Ep198 Your Nervous System & Wealth

    There is a lot of focus and information on "money mindset", and while that is important, it misses how your body responds to money.  This applies to what you currently have or don't have, and where you want to be (which is often an arbitrary "I want more money").   Before you can have more, your body needs to recognise and feel that it's safe to have more, and that's where your nervous system comes into it. In this episode of Money with Alpha, Alpha explores the powerful (and often overlooked) relationship between your nervous system and your financial capacity. Drawing on her own journey, including personal growth, and years of working with women around money, Alpha unpacks why sudden financial growth can feel unsafe, why incremental change matters, and why success can feel more threatening than failure. This episode is for you if you: Feel like you want more money, but struggle to hold onto it Notice self-sabotage when things start going well Feel conflicted between wanting more and judging yourself for it Know you need both practical money systems and emotional safety In this episode, we explore: Why success (not failure) often disregulates the nervous system The difference between safety and security with money Why lottery winners often lose everything Money as energy: inflow, outflow, and intentional circulation How confidence is built through small, consistent actions Why self-judgment is more damaging than external judgment How clarity, visibility, and flexibility support financial growth Alpha invites you to reflect on where you are right now: safety, security, energy, confidence, or judgment, and how you might begin expanding your capacity to hold more, without overwhelming your system. 🎧 Listen now and discover how to grow your wealth without overloading your nervous system.

    18 min
  4. Ep197 How I Invest

    2 FEB

    Ep197 How I Invest

    Investing can feel like a black hole: confusing, intimidating, and risky, especially when you've worked hard for every dollar you've earned. In this episode of Money with Alpha, I share my real, lived investing journey. Not from a financial markets background, but as someone who had to figure it out step by step. I walk you through: The difference between income returns and capital growth (and why this matters more than most people realise) How to understand your risk profile beyond generic questionnaires What diversification actually means (and what it definitely isn't) How I structure my own portfolio, including defensive vs growth assets Why I invest in ETFs and micro-investing Why "time in the market" always outperforms "timing the market" How consistent, boring investing quietly builds wealth over time. This episode is about taking the fear out of investing, simplifying your decisions, and helping you feel more confident taking action, even if you're starting small. 🎧 Listen now and discover why investing doesn't have to feel like gambling.

    34 min
  5. Ep196 Date Your Money

    26 JAN

    Ep196 Date Your Money

    In this episode, Alpha invites you to rethink your relationship with money. Not as something to fear or avoid, but as something to get to know and to come at with curiosity rather than confusion. Using the metaphor of dating, Alpha walks through simple, practical steps to help you reconnect with your finances, gain clarity, and reduce money anxiety. In this episode, you'll learn: Why avoidance makes money stress worse (not better) How your past money "mistakes" can become learning points The five key steps to building visibility and clarity with money Why knowing when bills hit matters as much as how much they are How to create a money date that actually feels supportive Takeaway: Money doesn't need perfection, it needs attention. A little curiosity can transform your entire financial relationship.

    11 min
  6. Ep194 Micro-Changes Instead of Resolutions

    12 JAN

    Ep194 Micro-Changes Instead of Resolutions

    Big New Year's resolutions often lead to big overwhelm, and very little follow-through. In this episode, Alpha explores why micro-changes are the real key to sustainable financial growth and confidence. Rather than focusing on drastic transformations, Alpha invites you to look at the small shifts in awareness, habits, language, and identity that quietly create powerful momentum over time. In This Episode, We Cover: Why New Year's money resolutions often fail The role of identity in financial behaviour How beliefs, stories, and language shape your money habits The difference between intentional money management and avoidance Why micro-investing and small automations are so powerful How to create CEO-level clarity without micromanaging your finances Simple micro-actions you can implement immediately This episode is perfect for anyone who feels overwhelmed by money, short on time, or stuck in cycles of avoidance, and is ready for a gentler, smarter way forward. 🎧 Tune in and start building momentum through micro-changes.

    16 min
  7. Ep193 Alpha's Money Story

    5 JAN

    Ep193 Alpha's Money Story

    In this solo episode, Alpha invites listeners behind the scenes of her personal money journey.  From her multicultural upbringing in Australia, shaped by financial scarcity and cultural expectations, to discovering her passion for financial empowerment for women. Alpha dives into: Growing up as a daughter of migrants who had no money when they were growing up How money stories are inherited from generations before us — even when no one talks about money directly Why she became a "squirreler" with money, and the pivotal moment she realised she needed to learn how money really works The career path that didn't fit — including depression, burnout, and a brave leap into something new The spark that led her to financial education, property investing, and ultimately launching Money Made Simple How her love of travel helped her reconnect with joy and lifestyle vision in mid-life Why the Money Pie framework was born, and why "simple + intentional" will always beat complexity ✨This episode is your reminder that your past does not dictate your financial future, and that it's never too late to rewrite your money story with intention.

    30 min
  8. Ep192 What Financial Advisors Do with Dylon Mackriel

    22/12/2025

    Ep192 What Financial Advisors Do with Dylon Mackriel

    In this episode of Money with Alpha, Alpha sits down with financial advisor Dylon Mackriel, founder of DreamWise Financial Services, to unpack what financial planning actually involves — beyond the jargon, beyond the misconceptions, and beyond the old-school commission-driven model many people still fear. Dylon shares his personal journey from South Africa to Australia, shifting from accounting into financial planning, and why the emotional side of money plays such a huge role in his work. You'll hear: ✨ In this episode, we explore: Why everyone earning an income can benefit from financial advice What financial planners do beyond investing How superannuation, insurance, and retirement strategies really work The truth about self-managed super funds (SMSFs) — who they're for and who they're not ETFs vs direct shares vs SMAs (and why diversification is essential) How to choose the right advisor, and why education is a non-negotiable part of quality advice The emotional and behavioural side of money Dylon's personal money story, including growing up with limited resources and how that shaped his mission This is an empowering conversation that helps remove the mystery from financial planning — so you can make smarter decisions, feel more confident, and understand the mechanics behind wealth-building… at any age. Connect with Dylon: DreamWise Financial Services – DreamWise Financial Services Dylon Mackriel | LinkedIn

    47 min
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5
out of 5
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About

Welcome to Money with Alpha, where I share simple tips for how to make, save and invest money, while also connecting your values with your lifestyle, so you can achieve the life you really want. You will also hear interviews from real people as they share the ups and downs of their money journey. After all, we are all on a journey and what better way to learn about money, then to hear what hasn't and has worked!

Information

  • Creator
    Alpha Schulte
  • Years Active
    2022 - 2026
  • Episodes
    199
  • Rating
    Clean
  • Copyright
    © 2022
  • Show Website
    Money with Alpha