The Pay Off with Sylvia Jeffreys

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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. You can listen to The Pay Off wherever you get your podcasts, or you can watch every episode on 9Now, search 'The Pay Off 9Now Podcast'

  1. 3d ago

    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 biggest names in AI, and what every investor should understand before buying into the latest hype. From SpaceX's eye-watering valuation to the future of Australia's banks, Jun Bei shares the frameworks she uses to separate great businesses from great investments — and why the smartest money isn't always going where everyone else is. You'll learn: Why Jun Bei is backing the "picks and shovels" powering the AI boom, rather than trying to pick the winning platform. What the SpaceX IPO can teach everyday investors about hype, valuation and timing. Why volatility and uncertainty can create the best buying opportunities. The investing philosophy Jun Bei learnt from her father — and how she's now teaching it to her own children. Why understanding the business behind the brands you already use can make you a better investor. Whether you're investing for the first time or looking to sharpen your thinking in a rapidly changing market, this conversation is packed with practical insights that will change the way you look at money, markets and opportunity. See omnystudio.com/listener for privacy information.

    Where Australia’s Top Stock Picker Is Investing Right Now, with Jun Bei Liu

  2. Jul 13

    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 sits down with financial planner, best-selling author, and founder of SugarMamma, Canna Campbell (@sugarmammatv).  From the ultimate $1,650 kitchen appliance hack that saves thousands a year, to surviving a massive relationship breakdown and using her professional expertise to grow a $374,000 portfolio from scratch, Canna shares her direct, no-nonsense playbook for creating long-term wealth. Whether you are staring down a 30-year mortgage, trying to navigate changing tax laws, or just wanting to look glamorous on a budget, this conversation is packed with practical strategies to help you make your money work harder. You’ll learn: The mindset shifts that helped Canna rebuild after divorce and create lasting financial resilience  The step-by-step "$1,000 Project" framework for building investment momentum with amounts you can actually afford. How to “pay your future self first” and use passive dividend income to build long-term financial security. Why regularly negotiating your mortgage could save you thousands by avoiding the bank’s “loyalty tax.”  And much more. Find more from Canna here: https://www.sugarmamma.tv/ See omnystudio.com/listener for privacy information.

    The Money Habits That Build Financial Freedom, with Canna Campbell

  3. Jul 8

    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 nearly a decade helping build the digital ecosystem that millions of professionals use every day. But when she faced a sudden redundancy while managing two small children and a tight family budget, she had to pivot fast—transforming a professional setback into a thriving portfolio career. Natalie shares her journey through career grief and how she bounced back, how you too can rebuild your career on your own terms, and how to leverage the tool so many of us know but so few of us have mastered: LinkedIn.  You will learn: The quick operational and financial steps you need to take right after losing a job. Why the cost of invisibility is greater than the cost of 'cringe' when promoting yourself online. Easy profile tweaks to boost your digital storefront, from writing warmer headlines to hitting the right weekly posting frequency. And much much more. Find more from Natalie here: https://www.workingatit.com.au/    See omnystudio.com/listener for privacy information.

    Made Redundant? Here's How to Bounce Back Stronger, with Natalie MacDonald

  4. Jul 1

    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 minimalism - and why it's not about limiting yourself.  The five-step process for stopping impulse purchases in their tracks Bree's biggest budget breakers and her practical hacks for auditing them Why "paying your future self first" will completely transform your financial landscape And much more.  If you are ready to stop comparing yourself to the world, slash unintentional spending and design a life that aligns with your true values, this episode is your definitive action-plan. See omnystudio.com/listener for privacy information.

    The Anti-Influencer Guide to Nailing Your Budget and Spending with Intention, with Breana Davison (Bree on a Budget)

  5. Jun 24

    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 most difficult parts of her life; such as her recovery from disordered eating, hashing out issues with her business partner best friend Laura, and the more recent trials of motherhood. In this episode, she opens up to Sylvia Jeffreys about all of the above, along with the origins of her work-life as as a model, how KIC grew from e-book to empire, her disconnect with the traditional corporate "businesswoman" archetype, the recent launch of KICstudio and more. Plus, keep listening to receive a Pay Off exclusive KIC offer code! This episode contains discussions of body image issues and disordered eating. For support, please contact the Butterfly Foundation at butterfly.org.au or 1800 ED HOPE(1800 33 4673) See omnystudio.com/listener for privacy information.

    How Authenticity Still Drives Everything for Steph Claire Smith (KIC)

  6. Jun 22

    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, to the terrifying and uncanny new world of AI-powered deep fake scams - Ben breaks down how they all work, and our best defenses against them.  See omnystudio.com/listener for privacy information.

    The Scams Out to Get You Right Now - and How to Stop Them, with Ben Young (Westpac Head of Scam and Fraud Prevention)

  7. Jun 17

    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 deeply moving, raw, and validating episode of The Pay Off, Mary opens up about all of these experiences, why every woman and every business needs to be menopause-informed, the origins of Effie and her career, and her new menopause focused health start-up Unpause - all in her trademark style of honesty, vulnerability and humour. See omnystudio.com/listener for privacy information.

    Why Menopause is Corporate Australia’s Hidden Problem, with Mary Coustas

  8. Jun 10

    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 do the same.  In this raw and far-ranging chat, Talitha explains: The myths the diamond industry is based around and the truths they'd rather you didn't hear The true difference between lab grown and natural diamonds and other FAQs Her personal investment history and strategy Her advice for those who run their own business Her story of entering and maintaining sobriety - what it's meant for her and her message for others who are struggling   See omnystudio.com/listener for privacy information.

    How Ex-Journo Talitha Cummins Honestly Disrupted the Diamond Industry
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About

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. You can listen to The Pay Off wherever you get your podcasts, or you can watch every episode on 9Now, search 'The Pay Off 9Now Podcast'

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