My Family Strategist

Christina Spark
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Childcare. Career pivots. Can you afford a second child, or a bigger house? Australian parents are making the biggest decisions of their lives sleep-deprived while running a household with no village. Parenting content is either medical and developmental, or cold finance that ignores how emotional and time-poor parents are. The Family Strategist fills that gap. Christina Spark spent 15 years in business, eight of them in audit at KPMG and Google. She now brings those tools to family strategy. Not perfect parents. Informed ones. myfamilystrategist.com

  1. 1d ago

    Daycares: The Business of Children

    Everything that makes a daycare better for your child — more educators, more experienced educators, better food, more space — is a cost.  And as a society, we have decided to hand over the care of our youngest children to businesses that profit by spending less on them. I spent 8 years as an auditor and then I became a parent. Now I audit daycares. Here’s what I found and why I’m horrified (including the two-minute check every parent should be doing).

  2. Sep 9

    The 5 Qs I Ask Before Any Big Family Decision

    At work I would never sign off on a major decision without analysis. But at home, I paid $5,000 in private school fees to hold a high school placement for my one-year-old, on nothing but social pressure. Our biggest family decisions get the least rigour. Here are the five questions I now use instead.

  3. Sep 3

    Is Parenting Harder Than a Generation Ago?

    Why do I struggle with one child while my parents and in-laws had four kids and made it look easy? I looked at the data to figure out if it really is harder today or if it just feels that way. I ran the Australian numbers on housing, childcare, and how much we're actually parenting. The answer is not what I expected.

  4. Jun 30

    How to Ditch Decision Fatigue & Paralysis (for Overwhelmed Parents)

    Ever feel completely paralysed by the sheer volume of choices you have to make as a parent? Maybe it’s because you’re making 35,000 choices every single day. The constant pressure leads straight to decision fatigue and second-guessing. In this episode, I break down practical, proven methods to conquer decision paralysis and fatigue using frameworks straight from the world of business. I’m going to leverage my 15+ years of business experience to share smart, low-friction hacks to automate your routine and protect your mental bandwidth. Whether you are stressing over childcare choices or what to wear, it's time to move from overwhelmed to prepared. Hit subscribe for your weekly dose of operational and financial strategies built for modern parents. Episode Chapters 00:00 The 35,000 Choices Dilemma 00:43 How to Triage Daily Decisions 03:13 Experiment with low stakes choices 05:45 Analysis Paralysis & The 70% Rule 07:06 Remove Decisions: Automate your Routine  07:34 The Paradox of Choice 11:08 Setting Up Future You 12:36 Outsourcing Decisions Without Micromanaging 14:37 Sharing the Mental Load: The Fair Play Method 17:11 Coming Up Next

  5. Jun 2

    Sophie Tieman on the Working Mum Juggle, Identity Shifts & 2 Under 2

    From national TV to a high-stakes corporate career, followed by the whirlwind of back-to-back babies, I sit down with Sophie Tieman for an incredibly raw, honest look at modern motherhood, identity shifts, and the reality of the working-mum juggle. Many of you know Sophie as a finalist on The Bachelor (S6) or as an incredibly authentic voice in the lifestyle and parenting space, but in this episode, we’re going behind the curtain. Sophie is a wife and mum and she’s currently navigating that intense 'middle ground' of juggling a career in Real Estate while raising two babies born just 12 months apart. We dive deep into the real-life stuff: the anxiety of the reality TV aftermath, the loss of identity that hits when you become a mum, shifting priorities, and the constant need to redefine what success actually looks like, and the honest, daily juggle of a multi-career household. We also get into the big strategic decisions many Australian parents are navigating right now: how to budget with a growing family, buying versus rent-vesting, and the private school debate. We break down the pressures of perfectionism, the intense private school culture in Sydney, and what it actually means to "fake it till you make it". Whether you are currently in the thick of the toddler years, trying to navigate your return to work, or rethinking how you budget for your family’s future, this episode is a beautiful reminder to slow down and smell the roses. EPISODE CHAPTERS: 00:00 Welcome to the MFS Podcast 00:49 The Bachelor Aftermath  03:59 Grieving Your Past Identity  06:17 Becoming a Mum: The Ultimate Identity Shift   08:54  "Irish Twins” & The Ideal Age Gap Debate 11:53 You Can’t Have It All  14:31 Dropping the Glass Ball 16:40 The Financial Shock of Having a Baby 20:14 Commercial vs. Residential Property Investment 23:08 Buy vs Rent-vesting? 25:03 Private vs. Public School? 28:31 Sophie’s Mum’s Influence on her 35:57 Smelling the Roses: What I Want My Kids to Know 37:38 Fake it Till you Make it DISCLAIMER We’ve just had the new budget announcements from the Labour government. While the strategies we discuss in this episode are timeless, tax laws and government incentives can change with the stroke of a pen. I’m a former CPA, but I’m not your accountant, so please use this as a jumping-off point for your own research or a chat with your professional advisor if you want to explore further any topics discussed today.

  6. May 12

    Parent Lifestyle Audit: Save $10,000+ Without Feeling Deprived

    Are you a two-income household earning good money, yet somehow ending the month with a $0 balance? You aren't alone. A Parent Lifestyle Audit isn't about skipping lattes; it's about the $10,000+ structural wins most families miss. In this episode, I expose the "Death by a Thousand Cuts" and big structural changes that drain parents' bank accounts. Whether it’s negotiating a raise or mastering geographic arbitrage, learn the strategic frameworks to save thousands now and millions over your child’s lifetime. Episode Chapters 00:00 – Why two-income households still feel broke 01:19 – Disclaimer 0:45 – Where is my money going?  04:31 – Death by a thousand cuts: hidden daily costs of parenting 05:36 – Easiest way to save: Negotiating a raise or job switching 07:32 – Saving 200%+ on groceries and snacks 09:11 – High-protein, low-cost: The $2 family meal hack 10:52 – "Baby-Safe" marketing vs. reality 11:36 – The Subscription Trap: Extracurriculars  13:11 – Marketplace & Op-Shops 14:27 – Milestone parties: Why less is more for your wallet 15:23 – Big Structural Wins: Novated Lease (EVs) 16:36 – Hidden Gems: Non-profit childcare 19:03 – $650,000 Private School vs. a House  21:22 – Geographic Arbitrage: Moving for Financial freedom Episodes Mentioned: Investing 101: From $0 to Investor in 15 Minutes (A Busy Mum’s Guide)Is Your Family Financially Healthy? How to Track Your Net Worth Disclaimer: The information provided in this podcast is for general education and entertainment purposes only, and does not constitute financial, tax or legal advice. While I am a former Chartered accountant, I'm not your accountant and I do not know your specific financial situation. You should always consult with a licensed financial advisor or professional before making any significant financial decisions.

  7. Apr 28

    Double Income, But Still Broke? A Simple Budget for Families

    Are you earning more than ever but feel like your bank account has a hole in the bottom? You aren’t alone. Even for households earning $200k+, lifestyle inflation and the "unconscious spending" of the 2026 economy can leave you living paycheck to paycheck. In this episode, Christina Spark (former Chartered Accountant and "Family COO") breaks down a simple Budgeting System. Learn how to set up a 5-account structure that automates your wealth, why it’s time to fire your credit cards and a step-by-step tutorial on using AI to categorize 12 months of expenses and save you money, in seconds. Strategy over stress starts here. 00:00 – Why High Earners Feel Broke 01:21 – Disclaimer  01:40 – Budgeting is a Trade-Off, Not a Sacrifice  3:28 – The 50/30/20 Rule in the Current Economy  4:15 – Tip: Using AI to Categorise 12 Months of Expenses 06:21 – Calculating Your Household Income 06:43 – Acct # 1) Savings - Pay Yourself First 07:43 – Acct #2) Needs   08:22 – Is Mortgage Savings or an Expense?  09:55 – Acct #3) Wants   10:28 – Acct # 4 & 5) - Your Struggle Accounts  13:34 – Breaking the Habit of Impulse Spending 15:19 – Why Credit Card Points are Actually Costing You  16:27 – US vs. Australia: The Credit Score Myth  17:29 – Bridging the Gap to a Gold Standard Budget  19:33 –It’s Not What You Make, It’s What You Keep Disclaimer: The information provided in this podcast is for general education and entertainment purposes only, and does not constitute financial tax or legal advice. While I am a former Chartered Accountant, I am not your accountant and I do not know your specific financial situation. You should always consult with a licensed financial advisor or professional before making any significant financial decisions. Connect with Christina: myfamilystrategist.com

  8. Apr 14

    Why I'm "One and Done": What No One Tells You

    I think being "One & Done" is a very misunderstood decision. It isn’t about being selfish; it’s about a purposeful allocation of my time, mental health, marriage, and our financial freedom. The decision to have another child is often led by emotion or social pressure without a real look at the facts. In this episode, I’m peeling back the curtain on why my husband and I decided to be "One and Done"—and why it was a strategic choice to help our family thrive, not just survive. I’m sharing the five data-backed reasons why we are standing firm in this decision, including a deep dive into the "Big 5" structural financial changes that many parents overlook. I also walk you through the Ann Davidman's framework of separating "Desire" from "Decision," and how understanding the Focusing Illusion helped me stop daydreaming about the "fantasy" of a larger family and start focusing on the reality of the child right in front of me. If you’ve ever felt stuck in a pros-and-cons list regarding your family size, this episode will give you the strategist’s playbook to find clarity. Episode Chapters 00:00 - The Most Misunderstood Decision  00:56 - The Desire vs. Decision Framework 03:56 - Disclaimer 04:35 - Debunking the Sibling Myth  05:56 - Prioritising a Mentally Well Parent  07:03 - Reinvesting Time into Marriage and Family  08:29 - Financial Freedom & The "Big 5" Costs 11:17 - Accelerating Retirement by 15 years 13:06 - Managing the Downsides  14:17 - “Focusing Illusion”: a Happiness Paradox 17:05 - Fear of Future Regret 🛑 IMPORTANT DISCLAIMER: While I am a former Chartered Accountant, the math I’m sharing today is based on general data and my own family's risk assessment. Every family portfolio is unique. This is not formal financial advice; it is a framework to help you do your own due diligence. Always consult your own licensed advisor before making major financial moves.

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Childcare. Career pivots. Can you afford a second child, or a bigger house? Australian parents are making the biggest decisions of their lives sleep-deprived while running a household with no village. Parenting content is either medical and developmental, or cold finance that ignores how emotional and time-poor parents are. The Family Strategist fills that gap. Christina Spark spent 15 years in business, eight of them in audit at KPMG and Google. She now brings those tools to family strategy. Not perfect parents. Informed ones. myfamilystrategist.com

Information

  • Creator
    Christina Spark
  • Years Active
    2026
  • Episodes
    19
  • Rating
    Clean
  • Copyright
    © Christina Spark
  • Show Website
    My Family Strategist