Her Money Matters

Naomi Holmes
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Her Money Matters is the podcast helping women take ownership of their money and shape the future they want. Hosted by Naomi Holmes, a Financial Educator and coach with over 27 years in the industry, this show is about helping women understand their financial position through education, clear guidance, and trusted insights from a community of experts. We’ll talk about everything from investing and super, to caring for parents and helping your kids financially, paying down debt, leaving a legacy, navigating death and divorce, and what’s holding you back when it comes to money. Through expert insights and personal reflections, you’ll get the information we were never taught in school - but should have. New episodes drop each week. So, tune in and hit subscribe and start building the financial future you truly own. Because... Your Money Matters.

  1. 3d ago

    74 What Is Ethical Investing? Your Guide to What It Is, How It Works and How To Get Started

    What is ethical investing? In a nutshell it means choosing investments based on your personal values and principles, not just the numbers. In practice, that usually works two ways: steering clear of companies involved in things like tobacco, weapons or gambling, and actively choosing to put money into companies doing something you'd stand behind, like renewable energy or healthcare. The goal is to have your money reflect what you actually care about, while still aiming for a solid financial return. In this episode, I'm joined by Leah Willis, Head of Distribution at Australian Ethical.  Australian Ethical are a fund manager that's been running ethical investments since 1986, and Leah takes us inside the process: how a universe of investable companies gets screened down, what gets excluded and why, and what's actively chosen instead. Ethical investing in Australia now sits at roughly $1.6 trillion, so if you are interested in looking at how you can invest your money so it is not doing harm this episode will provide you all the information you need to better understand it. In this episode: What ethical investing actually means How Australian Ethical builds its investment universe The two-step process: the ethical screen, then the financial screen Real case studies: Mining Alcohol, tobacco and gambling Animal Cruelty AI I get a lot of questions about ethical investing so this is a great episode if you are looking to learn more about it.   If you would like to learn more about Australian Ethical you can find more information here:  https://www.australianethical.com.au/ This episode contains general information only and does not take into account your personal objectives, financial situation or needs. It is not financial product advice, and nothing discussed should be taken as a recommendation to invest in any particular product, including any Australian Ethical fund. Before acting on anything discussed, consider whether it's appropriate for your circumstances and seek advice from a qualified professional.  Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, Australian Financial Services Licence 557729. This episode is not sponsored — Leah Willis appears as a guest expert and discusses her employer's process and products because it's her area of expertise; this affiliation is disclosed here in the interest of transparency.  Past performance is not a reliable indicator of future performance. Performance figures discussed are sourced from Australian Ethical's own published fund commentary.

  2. Sep 27

    73 Family and Domestic Violence: Recognising Abuse and Protecting You and Your Family

    Today’s topic is a sensitive and potentially distressing topic.  If you or someone you now needs support: 1800RESPECT (1800 737 732) is Australia's national domestic, family and sexual violence counselling line, available 24/7. If you are in immediate danger, call 000.    This is part one of a two-part series focusing on Family and Domestic Violence.  Did you know that 27% of Australian women over the age of 15 have experienced violence, emotional abuse or economic abuse from a partner which represents 1 in 4 women.  Breaking that down a little further, 17% (1.7 million) who have experienced partner violence (physical and/or sexual) 23% (2.3 million) who have experienced partner emotional abuse 16% (1.6 million) who have experienced partner economic abuse This means that women that have been subjected to this type of abuse are sitting in our friendship groups, our workplaces, and very likely, listening to this podcast right now.  This is a highly sensitive, multi-faceted and complex area, and the women that are victims may or may not recognise what is happening.  Physical abuse is obvious and abhorrent, however the more coercive types of abuse such as emotional, technological and financial abuse may be more subtle and patterns from the perpetrator may evolve over time.   So in this episode, Naomi sits down with Bron O’Loan, Principal Director at O'Loan Family Law and an Accredited Specialist in Family Law to discuss: The four faces of abuse — coercive control, financial abuse, tech-facilitated abuse and physical abuse, and how they often show up together rather than as one clean category Why safety planning comes before legal strategy — including the doubt so many women feel ("is this even serious enough?") and how Stockholm syndrome makes it harder to see clearly Why leaving is actually the most dangerous moment, and what that means for safety planning What the law says about children who witness violence against a parent — and why "staying for the kids" isn't the protection it can feel like Why trauma changes the way victims tell their own story — and why inconsistency or minimising isn't a red flag   Should you wish to connect with Bron, you can find her at: O'Loan Family Law: Website:  https://www.oloanfamilylaw.com.au/   If this episode resonated with you, please share it with someone who might need to hear it — your sister, your daughter, your best friend. You can find Naomi at Her Money Matters | hermoneymatters.com.au    Disclaimer: Everything discussed in this episode is general information only. It doesn't take into account your personal objectives, financial situation or needs. Naomi is not providing financial product advice in this episode. Before making any decisions based on what you hear, please consider whether this information is appropriate for your circumstances, and speak to a qualified professional if you need personal advice. Bron is speaking in her professional capacity as a family lawyer, sharing general legal information based on her experience.  This is not legal advice, and it does not create a lawyer-client relationship. Neither Naomi nor our guest are providing medical, psychological or therapeutic advice in this episode.    Some of today's content discusses trauma responses and family violence, which some listeners may find distressing. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, Australian Financial Services Licence 557729.

  3. Sep 20

    72 The Her Money Masterclass: A Look Inside The Money Course for Women, Topic by Topic

    This episode is sponsored by Global X. Ever wondered what is covered in a money course built specifically for women? In this episode, Helene puts Naomi in the hot seat to walk through the 8 money-focused weeks of our 12-week 'Her Money Masterclass’.  This is just the money side of the story as in the next episode, Helene takes the lead on the four money mindset topics that round out the full 12-week course. We go through week by week of the course and what topics we cover: Your Money Story — how your upbringing, education and experiences shaped the way you think about money today Your Money Toolkit — building surplus cash flow and making the most of assets, windfalls and inheritances Budgeting & Cash Flow — the four things everyone should know: what you earn, spend, own and owe Debt & Investing — mortgages, interest rates, and the fundamentals of investing (asset classes, risk, diversification, compound interest and more) Tax & Super — the basics of income tax, CGT, and the six things you need to know about your super Retirement Planning — moving from super to pension, understanding Centrelink and the age pension, and working out how much you actually need Families & Legacies — the sandwich generation, the bank of mum and dad, ageing parents, insurance and estate planning Pulling It All Together — writing your plan and deciding how to allocate your resources to reach your goals If this has you curious about doing the course yourself, we are registering interest for our next intake, which will be February/March 2027. Head to https://www.hermoneymatters.com.au/courses to join the waitlist. This episode contains general information only and does not take into account your personal objectives, financial situation or needs. It is not financial product advice. Before acting on anything discussed, consider whether it's appropriate for your circumstances and seek advice from a qualified professional. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, AFSL 557729. Global X is a sponsor of this episode. Sponsorship does not influence the general information we share, and nothing discussed is a recommendation of any Global X product specifically.

  4. Sep 13

    71 Supporting a Loved One With Dementia: What You Need To Know

    Dementia is now Australia's leading cause of death, yet most families still don't talk about it until they're already in crisis. In this episode, Naomi sits down with Co-Founder of Aged Care Conversations, Louise Greene to unpack what it actually looks like to support a loved one through a dementia diagnosis. Louise works alongside families every day as they navigate a dementia diagnosis, helping them find the right support through My Aged Care and connect with the community that makes caring for someone with dementia a little less isolating.  In this episode: The early signs of dementia families to look out for Why a dementia diagnosis can take years, and why getting one matters How to register for My Aged Care, and what Louise's team actually helps with What to weigh up when choosing an aged care facility — care needs, location and affordability Why carer isolation is so common, and where to find real support, including dementia cafes What the research says about reducing your own risk of dementia Louise's new resource for Dementia Action Week, Discussing Dementia [placeholder — confirm cost and availability] Share this episode with the friend who's quietly worrying about a parent, or about themselves. Leave us a review on Apple Podcasts or Spotify — it helps more women find this show.   If you would like to connect with Louise, you can find her at https://agedcareconversations.com.au/. Resources mentioned: My Aged Care — 1800 200 422 / myagedcare.gov.au Dementia Australia / National Dementia Helpline — 1800 100 500 (24/7) / dementia.org.au The numbers behind this episode: An estimated 446,500 Australians are currently living with dementia, with around 1.7 million people involved in caring for them (Dementia Australia). Dementia is Australia's leading cause of death (Australian Bureau of Statistics; Australian Institute of Health and Welfare, Dementia in Australia report, 2026). Professor Henry Brodaty AO, the 2026 Senior Australian of the Year, is referenced on dementia prevention research (UNSW).

  5. Sep 6

    70 Six Things We Wish We Could Tell Our 21-Year-Old Selves About Money

    So often we hear "I wish someone had taught me this at school,”.  It's the single most common piece of feedback Naomi and Helene hear they are having a bit of fun with this episode and going back to their 21-year-old selves and handing over the six money lessons they wish they'd known sooner: Three from Naomi and three from Helene.  This is a great episode to share with your kids / kidults and to share some of this really important money lessons we all wish we had known much earlier in life. Naomi's Three Money Lessons 1. Start saving from your first pay cheque. The habit matters more than the amount. Automate a transfer the day you get paid, even if it starts small — the earlier the habit forms, the less it ever has to compete against a lifestyle that's already grown to fill the gap. 2. Understand what refinancing your mortgage actually resets. Every home loan is front-loaded with interest, and refinancing back to a fresh 25 or 30-year term resets that interest-heavy curve all over again. Naomi explains how to refinance for a better rate without quietly resetting the clock every few years. 3. Start investing early — even in tiny amounts. A micro-investing account lets you build comfort with market movement while the stakes are still small, so investing feels normal well before you have "real money" to put in. Helene's Three Money Lessons 4. Compound interest is more powerful than it feels when you're young. You don't need a meaningful amount to start — the magic is in the time, not the size of the deposit. Helene's advice: start absurdly small and let time do the rest.\ 5. Super is the one she wishes she'd paid attention to sooner. Helene shares that she wished someone had talked to her about the importance of super so much earlier.  Super became compulsory in 1992 and had she paid attention to it all the way back then, she would have been in a significantly stronger position today. 6. Budgeting is a habit worth building early. For Helene, budgeting is about information: knowing where your money actually goes, so you get to make decisions on purpose. Building that habit young means you get take make the most of that information much earlier in life.   This episode is sponsored by NGS Super. Sponsorship does not influence the general information shared in this episode, and nothing discussed should be taken as a recommendation of any NGS Super product or service. This content is general information only and does not take into account your personal objectives, financial situation or needs — it is not financial product advice. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, AFSL 557729.  Past performance in not an indicator of future performance.

  6. Aug 30

    69 Trusts, CGT and the 2026 Budget: What Has Changed That You Need To Know

    Is your trust still worth having? That's the question Naomi puts to Justine Wilson, Director at Altus Financial, in this deep dive into two of the biggest changes to come out of the May 2026 Federal Budget — the proposed 30% minimum tax on discretionary trusts, and the change to how capital gains tax is calculated on assets you already own. Naomi and Justine get into who these changes were designed to target, and who is actually likely to feel them. If you have a trust, you're thinking about setting one up, or you just want to understand what's settled law versus what's still just a proposal, this episode is your plain-English guide. IN THIS EPISODE YOU WILL LEARN Whether a discretionary trust is still worth having, and who is genuinely affected by the proposed minimum tax Why the classic "bucket company" strategy is effectively ending The proposed three-year window to restructure out of a trust, and why state stamp duty could still get in the way What the CGT cost base indexation change (already law, from 1 July 2027) means for assets you already hold Why you don't need to panic and get everything valued by 30 June 2027 ABOUT JUSTINE WILSON Justine Wilson is the Director of Altus Financial, where she works with clients on structuring, tax and asset protection decisions — including whether a trust is the right vehicle for their circumstances. Justine has been closely following the development of the 2026 Budget trust and CGT measures as they move through consultation. You can find Justine at justine.wilson@altusfinancial.com.au, and https://www.altusfinancial.com.au/. ENJOYED THIS EPISODE? If this episode helped make sense of what's actually changing — and what isn't — the best thing you can do is leave a review wherever you listen. It takes less than two minutes and helps more women find this show. And if you know someone who's been asking "should I still have a trust?", send them this episode. DISCLAIMER This episode contains general information only and does not take into account your personal objectives, financial situation or needs. It is not financial product advice. Before acting on anything discussed, consider whether it's appropriate for your circumstances and seek advice from a qualified professional. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, AFSL 557729. This episode is sponsored by Global X ETFs. Sponsorship does not influence the general information shared in this episode, and nothing discussed should be taken as a recommendation of any Global X product or service. A note on legislative status: the negative gearing and CGT cost base indexation changes discussed in this episode passed Parliament and received royal assent on 25 June 2026 as the Treasury Laws Amendment (Tax Reform No. 1) Act 2026 — these are now law. The proposed 30% minimum tax on discretionary trusts is a separate measure from the same Budget that has not yet been legislated — Treasury's consultation process closed 31 July 2026 and exposure draft legislation has not yet been released. Everything discussed about trusts in this episode reflects the current best-available information at time of recording and is subject to change.

  7. Aug 23

    68 The Hidden Costs of Keeping the House in a Divorce Settlement

    Almost every woman going through a divorce has this conversation. Not about the superannuation. Not about the investments. About the house. And it usually sounds something like — I don't care about anything else. I just need to keep the house. In this episode Helene shares her own experience — and the very real cost of the decision she made — to have an honest conversation about what's really driving that need, and what it might actually be costing you. IN THIS EPISODE YOU'LL HEAR: Why women fight so hard to keep the family home — and what the research actually says about what children need after separation The financial reality nobody talks about — it's not just the mortgage What it actually means to "keep the house"  — and why it's not always as simple as taking your ex off the mortgage Helene's own story — the numbers, the sacrifice, and the hindsight Practical tips for anyone navigating this decision right now The alternative nobody considers — and why renting is not failing The therapeutic coaching lens — the belief underneath the decision, and a powerful exercise to help you hear what your back brain is actually saying The questions to sit with before you decide anything THE STATS Divorce in Australia increased 4.1% in 2024-25 The average age at divorce is now 47.3 for men and 44.4 for women Women's average superannuation balances at retirement are around 23% lower than men's 30% of retired women relied on their partner's income to meet living costs in 2024-25 Women earn over $12,000 less than men per year 86% of child support recipients via the Australian Child Support Agency are women 22% of single parent families are in housing stress — compared to just 6.9% of couples with dependent children (HILDA Survey) A USEFUL EXERCISE Finish this sentence out loud — don't think too hard, just let it come: "I believe I need to keep the house because..." Whatever came up — that's the belief worth looking at. THE QUESTIONS TO SIT WITH BEFORE YOU DECIDE In five years, will the version of me who made this decision thank me — or be drowning because of me? Am I keeping the house for my kids — or for me? If the house burned down tomorrow and the decision was made for me — what would I do? How would I feel in six months? Is the house the home — or am I the home? RESOURCES MENTIONED 1800RESPECT — 1800 737 732 — available 24/7 for domestic and family violence support Australian Institute of Family Studies — aifs.gov.au AHURI — ahuri.edu.au Federal Circuit and Family Court of Australia — fcfcoa.gov.au MoneySmart — moneysmart.gov.au Simple Split Financials — Julie Garis (add details) CONNECT WITH US Helene Psarakis — ThinkBowl Therapeutic Coaching thinkbowl.com.au | helene@thinkbowl.com.au Naomi Holmes — Her Money Matters hermoneymatters.com.au | naomi@hermoneymatters.com.au DISCLAIMER The information shared in this episode is general in nature and does not constitute legal, financial or therapeutic advice. Please seek appropriate professional advice for your specific circumstances. This episode covers the property tax measures from the 2026-27 Federal Budget, including the abolition of negative gearing for established residential property and the replacement of the CGT discount with cost base indexation. Both have since passed into law as the Treasury Laws Amendment (Tax Reform No. 1) Act 2026, effective 1 July 2027. Related measures — including the treatment of discretionary trusts and a fix for the co-ownership "widow's tax" issue — are still being finalised in follow-up legislation and were not yet settled at the time of recording. Podcasts are a great place to start, but when it comes to your own finances, super or lending position, please get guidance from a qualified professional. If you'd like more support, Naomi offers one-on-one coaching and financial education courses, and Her Money Matters has a panel of licensed financial advisers who can help with personal advice. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, Australian Financial Services Licence 557729. Your money matters. Your future matters. And you? You matter.

  8. Aug 16

    67 Negative Gearing Scrapped, CGT Changed: What The Fall Out From the Budget Means for Property Investors

    The 2026-27 Federal Budget delivered the biggest overhaul to property investing this country has seen in decades, and it has now passed into law. Negative gearing has been abolished for established residential properties purchased after 7:30pm on 12 May 2026, and the 50% capital gains tax discount is being replaced with cost base indexation and a 30% minimum tax on gains, both taking effect from 1 July 2027. In Naomi's first-ever two-guest interview, she's joined by property valuer Belinda Botzolis, founder of Add Valuer and a returning guest from Episode 20, and mortgage broker Emma Stephens from Artemis Finance, joining the podcast for the first time. Together they bring two essential lenses to the conversation: what these changes mean for how banks assess your borrowing power, and what they mean for the value of the property you already own. Across the episode, Belinda and Emma break down the new “neutral gearing” term the banks are already using, why every investment property now needs to be valued before 30 June 2027, and how to think through whether to sell, hold or restructure a portfolio without making a decision out of fear. They also cover debt recycling as an alternative way to keep investing, the genuine pros and cons of commercial property, and the recent ban on self-managed super fund loans for residential property, along with what business real property still allows. If you own an investment property, are thinking about buying one, or just want to understand what's changed and why, this episode gives you the practical detail to plan your next move with confidence. KEY TOPICS COVERED What's actually changed: negative gearing abolition and the shift to CGT indexation “Neutral gearing” - the new term reshaping how much you can borrow Why every investment property needs a valuation locked in before 30 June 2027 Should you sell, hold or restructure?  Debt recycling as an alternative strategy for investors Commercial property: the real pros and cons Business real property and the new ban on SMSF loans for residential property MEET THE GUESTS Belinda Botzolis — Founder, Add Valuer A property valuer for over 20 years and a Fellow of the Australian Property Institute. Find her by searching “Belinda the Valuer.” Belinda first joined the podcast back in Episode 20. Emma Stephens — Mortgage Broker, Artemis Finance Emma is the business partner of Sharon Bae, who joined the podcast back in Episode 50 to talk refinancing. Find Artemis Finance at https://artemisfinance.com.au/ or connect with Emma on LinkedIn and Instagram. DISCLAIMER  The information in this podcast is general in nature and doesn’t take into account your personal situation, goals or needs. It’s accurate as at the date of recording, but tax and superannuation law can change, so please confirm the latest position before acting on anything discussed. This episode covers the property tax measures from the 2026-27 Federal Budget, including the abolition of negative gearing for established residential property and the replacement of the CGT discount with cost base indexation. Both have since passed into law as the Treasury Laws Amendment (Tax Reform No. 1) Act 2026, effective 1 July 2027. Related measures — including the treatment of discretionary trusts and a fix for the co-ownership “widow’s tax” issue — are still being finalised in follow-up legislation and were not yet settled at the time of recording. Podcasts are a great place to start, but when it comes to your own finances, super or lending position, please get guidance from a qualified professional. If you’d like more support, Naomi offers one-on-one coaching and financial education courses, and Her Money Matters has a panel of licensed financial advisers who can help with personal advice. Naomi Holmes and Her Money Matters are licensed by Alethea Partners Pty Ltd, Australian Financial Services Licence 557729.  Your money matters. Your future matters. And you? You matter.

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About

Her Money Matters is the podcast helping women take ownership of their money and shape the future they want. Hosted by Naomi Holmes, a Financial Educator and coach with over 27 years in the industry, this show is about helping women understand their financial position through education, clear guidance, and trusted insights from a community of experts. We’ll talk about everything from investing and super, to caring for parents and helping your kids financially, paying down debt, leaving a legacy, navigating death and divorce, and what’s holding you back when it comes to money. Through expert insights and personal reflections, you’ll get the information we were never taught in school - but should have. New episodes drop each week. So, tune in and hit subscribe and start building the financial future you truly own. Because... Your Money Matters.

Information

  • Creator
    Naomi Holmes
  • Years Active
    2025 - 2026
  • Episodes
    74
  • Rating
    Explicit
  • Copyright
    © Copyright 2025 All rights reserved.
  • Show Website
    Her Money Matters

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