WOW Women of Wealth Podcast w/ Tracey Sofra

Tracey Sofra
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The Women of Wealth podcast, hosted by Australia's top financial advisor for women, Tracey Sofra, empowers you to take control of your financial life. Through proven strategies and expert guidance, Tracey helps you navigate personal finance, set authentic goals, and simplify your investment strategy. Whether you're a beginner or looking to level up, this podcast is your guide to unlocking financial freedom and abundance. Subscribe now and join the movement of women claiming their power and prosperity like never before.

  1. 4D AGO

    Episode 64: 6 Powerful Resets To Make 2026 Your Best Financial Year Yet

    We’re already well into the new year by now… And if you're like most women, you've probably got a mix of hope and overwhelm swirling around in your head. New goals and fresh intentions…  Big dreams… You get the gist. But here's the thing… Unless you take the time to reflect on what actually happened last year, you risk repeating the same patterns that kept you stuck. The good news? It's not too late to reset. In this practical episode of the Women of Wealth Podcast, I'm walking you through the 6 resets that will help you take control of your finances and your life in 2026. Specifically… They're the exact framework I use myself and with my members to create lasting change. Here's what you'll discover in this episode: The underused tool that successful people swear by (and how to use it to avoid repeating last year's mistakes) A simple exercise that reveals your hidden financial wins from the past year… even if you think you didn't have any The real reason your budget stops working and what to do about it before life gets in the way Why decluttering your finances has a surprising effect on your mental health and energy levels The 3-tier goal-setting method that makes big financial targets feel actually achievable What it really takes to dream big without guilt and why most women have been conditioned to hold themselves back Here's what I want you to remember… No great change has ever come from staying comfortable. If 2026 is going to be different, it starts with doing something different. And that starts right here. Ready to reset and make this your best financial year yet? Click here to listen now>>> Disclaimer: This podcast is intended for educational purposes only and should not be construed as investment advice or a recommendation. Any financial strategies or examples discussed are provided in the context of the theme being explored, and the views expressed are those of the presenter at the time of the recording. Please seek advice from a qualified professional before making any investment decisions.

    23 min

  2. FEB 8

    Episode 63: From Single Mum Survival Mode To Confidence In Her Retirement

    After 20 years as a single mother… Sonia Piani had very little super, no real investment plan, and a retirement future that looked “pretty bleak.” She knew she needed to do something different. But she didn't know where to go, who to trust, or how to even start. Then something kept popping up on her Facebook feed (that something was me pointing the finger, apparently). She took it as a sign…  … and decided to give the Empower program a go. What happened next completely changed her financial trajectory. In this powerful episode of the Women of Wealth Podcast, Sonia shares her raw and emotional transformation story. You'll hear exactly how she went from financial uncertainty to building a diversified portfolio, maximising her super, and even purchasing an investment property…  … all within 12 months. Here's what else you'll discover in this episode: The truth about how much runway you actually need to transform your retirement (it's less than you think) The single investment strategy that Sonia credits for her exponential growth in just 6 months What Sonia changed inside her super that took it from “going nowhere” to finally working for her The real reason so many women struggle to seek financial help, and how Sonia overcame it The unexpected mindset shift that turned a lifelong spender into someone with clear goals and a plan Why learning alongside other women accelerated Sonia's progress faster than going it alone ever could The financial lesson Sonia wishes she'd learned decades ago and now plans to pass on to future generations Sonia is proof that no matter where you’re starting from… … you can still create a retirement that feels secure, confident, and completely on your terms. Ready to hear how she did it? Click here to listen now>>> Disclaimer: This podcast is intended for educational purposes only and should not be construed as investment advice or a recommendation. Any financial strategies or examples discussed are provided in the context of the theme being explored, and the views expressed are those of the presenter at the time of the recording. Please seek advice from a qualified professional before making any investment decisions.

    27 min

  3. 09/21/2025

    Episode 62: 10 Things To Stop Buying To Save Money (Without Living Like A Monk)

    Have you ever looked at your bank account and wondered... "Where did all the money go?" You're definitely not alone. Even with the best intentions, it's so easy to fall into spending patterns that quietly chip away at your budget and keep you stuck instead of moving toward your financial goals. But here's the thing... I’m not advising you to live like a monk or deprive yourself of everything you enjoy. Rather… I encourage you to align your spending with the life you're actually building, not the fantasy life that social media is trying to sell you. In this practical episode of the Women of Wealth Podcast, I'm sharing the 10 spending traps that I've fallen into myself (and seen countless clients fall into) that quietly sabotage your financial progress. Here's what you'll discover in this episode: Why buying clothes and shoes for your "fantasy life" is one of the biggest money drains (and how to shop for the life you're actually living) The truth about viral fashion trends and why "trending" isn't the same as "timeless" How takeout becomes an expensive default when you're tired, and my simple meal planning strategy to break this habit The subscription box audit that could free up $30-60 per month for your emergency fund or debt reduction Why buying storage solutions before decluttering is just organising clutter (and what to do instead) The guilt gift trap that drains your budget and teaches kids the wrong lesson about love How sales manipulate you into thinking you're saving money when you're actually just spending on things you don't need Why productivity tools won't change your life unless you actually use them consistently My framework for spending according to your values so every dollar moves you closer to your goals Every dollar you spend is a vote for the future life you're building.  The question is… Are your purchases aligned with your values and goals, or are they just noise? When you align your spending with what truly matters to you, staying on track becomes so much easier. Ready to cut the financial noise and focus on what really matters? Click here to listen now>>> Disclaimer: This podcast is intended for educational purposes only and should not be construed as investment advice or a recommendation. Any financial strategies or examples discussed are provided in the context of the theme being explored, and the views expressed are those of the presenter at the time of the recording. Please seek advice from a qualified professional before making any investment decisions.

    19 min

  4. 09/14/2025

    Episode 61: The Hidden Dangers Of Buy Now, Pay Later

    Remember lay-by? If you're from my generation, you'll remember that when you wanted something you couldn't afford, you paid it off bit by bit...  … but you didn't get to take it home until it was fully paid off. These days, we have "buy now, pay later". This gives you instant gratification with the goods in hand immediately. And while it might seem like a harmless middle ground between not having cash and not wanting to use a credit card... The reality is far more concerning than most people realise. Recent research shows that 43% of buy now, pay later users made late payments in the last year alone. Even more alarming…   14% of users are now relying on these loans to pay for groceries and other necessities. In this eye-opening episode of the Women of Wealth Podcast, I'm pulling back the curtain on the buy now, pay later trap that's ensnaring millions of consumers. Here's what you'll discover in this episode: How buy now, pay later companies are partnering with major retailers like Big W, Kmart, and even DoorDash to make debt more accessible than everWhy these "small" loans are actually being treated as personal loans by lenders and how they're destroying people's borrowing capacityThe psychological tricks these companies use to encourage impulse spending and make debt feel "manageable"7 critical things you must know before using buy now, pay later services (including the hidden impact on your credit score)How to break free from the buy now, pay later cycle and create the life you want without accumulating debtMy proven strategies for budgeting, finding discounts, and focusing on quality over quantityThe 3 financial principles that will help you experience more peace and security around your money Remember, these services might feel different from traditional debt, but make no mistake. You are borrowing money that you'll have to pay back… … often with serious consequences if you don't. Don't let the convenience fool you into a financial trap that could impact your future borrowing capacity and financial freedom. Ready to learn how to protect yourself and make smarter financial decisions? Click here to listen now>>> Disclaimer: This podcast is intended for educational purposes only and should not be construed as investment advice or a recommendation. Any financial strategies or examples discussed are provided in the context of the theme being explored, and the views expressed are those of the presenter at the time of the recording. Please seek advice from a qualified professional before making any investment decisions.

    23 min

  5. 09/07/2025

    Episode 60: The 7 Financial Lessons That Transformed My Finances (And Can Change Yours Too)

    "I wish I'd started sooner." "It's too late for me to fix my finances." I hear these phrases all the time from women who feel like they're behind or have missed their chance at financial success. But here's what I want you to know... It's never too late, you're not too old, and you are absolutely not behind. Your financial journey starts the moment you decide to take it seriously… … and that moment can be right here, right now. In this deeply personal episode of the Women of Wealth Podcast, I'm sharing the 7 key financial lessons that completely transformed my finances. These are the exact lessons that took me from credit card debt to saving over $100,000 and building long-term wealth. Some were tough to learn, some were surprising… … but all of them are practical enough for anyone to implement. Here's what you'll discover in this episode: Why building systems around your goals is more important than the goals themselves (and how to automate your way to success)How your circle of influence is secretly sabotaging your money mindset (and what to do about it)The sneaky trap of lifestyle inflation that keeps high earners broke (and my simple strategy to avoid it)Why delaying gratification is one of the most underrated wealth-building tools (plus my 48-hour rule that changed everything)The biggest mistake I made with over $50,000 of my savings (and how you can avoid it)How to use credit cards as a powerful financial tool instead of a dangerous crutchWhy financial success isn't about perfection (and what you should focus on instead) Remember, you don't need to master all seven lessons today.  Just pick one, build the habit, and keep moving forward. Ready to transform your finances with these seven powerful lessons? Click here to listen now>>> Disclaimer: This podcast is intended for educational purposes only and should not be construed as investment advice or a recommendation. Any financial strategies or examples discussed are provided in the context of the theme being explored, and the views expressed are those of the presenter at the time of the recording. Please seek advice from a qualified professional before making any investment decisions.

    19 min

  6. 08/31/2025

    Episode 59: From Financial Fear To Financial Freedom: Susan's Inspiring Transformation Story

    What if I told you that a high-earning accounting professional was terrified she'd end up homeless under a bridge in retirement? Sounds impossible at first. But that's exactly where Susan Bell found herself just months ago. Despite earning a top marginal tax bracket income as a partner in a large accounting firm… … Susan was living in complete financial fear. She was making impulsive money decisions, had no real investment plan, and felt completely overwhelmed about her retirement future. But then something changed. In this powerful episode of the Women of Wealth Podcast, I sit down with Susan to hear her incredible transformation story. You'll discover how she went from financial chaos to complete confidence in just a few months through the EMPOWER program. Here's what you'll learn in this episode: Why being a high earner doesn't automatically make you good with money (and why this is actually liberating)The shocking moment Susan realised where her money was really going during a live group callHow fear can actually paralyse you from taking action instead of motivating youThe simple three-word investing philosophy that changed everything for Susan: Simple, Systematic, and SafeWhy understanding your money mindset is just as important as understanding investment strategiesHow financial confidence impacts every other area of your life, not just your bank accountThe real reason why it's never too late to start building wealth, no matter your age Susan's story proves that no matter where you're starting from… … whether you're 44 like her, or 54, or 64… … you can take control of your finances and create the retirement you deserve. Ready to be inspired and learn exactly how she did it? Click here to listen now>>> Disclaimer: This podcast is intended for educational purposes only and should not be construed as investment advice or a recommendation. Any financial strategies or examples discussed are provided in the context of the theme being explored, and the views expressed are those of the presenter at the time of the recording. Please seek advice from a qualified professional before making any investment decisions.

    48 min

  7. 08/24/2025

    Episode 58: Why Every Woman Needs A Total Wellbeing Plan (It's Not What You Think)

    How have you been feeling lately? Are life's responsibilities burning you out or overwhelming you? We can all feel like that from time to time. And when this happens… It’s helpful to have a total well-being plan in place. Now… That might sound a bit fluffy coming from a financial expert. But I can assure you, a well-being plan is something that each and every woman absolutely needs to look at. That's why in this episode of the Women of Wealth Podcast… I'm sharing seven ways a wellbeing plan can benefit you, plus ideas to implement your own plan. Specifically, you'll discover: How maintaining a positive mindset through journaling can act like a detox for your brainWhy improving your physical health doesn't have to be complicatedThe mental health epidemic we're facing and how to create sustainable work-life boundariesThe surprising benefits of strong relationships and social connectionsWhy having better control over your finances is pivotal to overall well-beingThe truth about establishing a self-care routine that goes beyond bubble baths and face peelsHow achieving quality sleep can transform everything (and the nighttime routine that actually works) Here's what I want you to remember… If you're not well, nothing else matters because everything else falls apart. However… When you take care of yourself first, you can thrive in every other area of your life and give the attention that every other area deserves. Click here to listen now>>>

    19 min

  8. 08/17/2025

    Episode 57: The 10 Habits That Separate Successful Women From Everyone Else

    Have you ever wondered how certain women become so successful? What are their tricks to achieving greatness? The reality is… All successful women have certain habits and characteristics in common. That's why in this episode of the Women of Wealth Podcast… I'm sharing 10 habits of successful women that you can start practicing today. Specifically, you'll discover: Why successful women set concrete goals using the SMART framework (and how to do it yourself)How to believe in yourself when self-confidence doesn't come naturallyThe power of saying no sometimes and why successful women protect their time and energyWhy self-care isn't just a buzzword but essential for peak performanceHow having a backup plan helps you pivot when things don't go according to planThe crucial habit of staying on top of your finances and career to prepare for uncertaintyWhy being comfortable with "failure" is actually about learning and growingWhen to ask for and accept help without feeling guilty about it I want you to know that your past doesn't define you. However… The habits you choose today absolutely can determine your future. Ready to start implementing the habits that will transform your success? Click here to listen now>>>

    18 min
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About

The Women of Wealth podcast, hosted by Australia's top financial advisor for women, Tracey Sofra, empowers you to take control of your financial life. Through proven strategies and expert guidance, Tracey helps you navigate personal finance, set authentic goals, and simplify your investment strategy. Whether you're a beginner or looking to level up, this podcast is your guide to unlocking financial freedom and abundance. Subscribe now and join the movement of women claiming their power and prosperity like never before.

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