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

    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.

  2. 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.

  3. 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.

  4. 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.

  5. Aug 9

    66 Super Fund Performance 2026: Are You Ahead or Behind?

    Your super has one job — to grow your money for retirement. So how do you actually know if it's doing it? In this episode, Naomi and Helene check this year's super fund performance against the market performance.  We explore the factors that impacted investments over the 2025/26 year, from interest rates going one way then the other, to the AI boom, to a genuine escalation in the Middle East, and what all of it actually meant for Australian shares, property, bonds and cash. We break down the five risk categories super funds use and walks through performance across the 1, 5 and 10 year view.  We explain exactly what to look for so you can read your statement with fresh eyes.  This episode connects to Episode 21 — The Super Audit. If you haven't done your audit yet, that's a great companion listen. This episode is proudly sponsored by NGS Super. IN THIS EPISODE YOU WILL LEARN A quick recap of the three-part super audit from Episode 21: fees, where your money is invested, and performance The story behind FY26's returns: interest rates, the AI capex boom, the March 2026 Middle East escalation, and ongoing trade uncertainty The performance of the major asset classes in Australia over the past 12 months The five risk categories super funds use, broken down by growth vs defensive asset split How performance looks across three different time frames FY26 SUPER FUND PERFORMANCE BY RISK CATEGORY Figures current as at 30 June 2026. Source: Chant West Super Fund Performance Survey. Shown net of investment fees and tax, before administration fees and adviser commissions. Past performance is not a reliable indicator of future performance.  Risk Category Growth / Defensive Split 1 Year 5 Years (p.a.) 10 Years (p.a.) All Growth 96–100% growth 12.4% 8.4% 9.6% High Growth 81–95% growth 10.9% 7.9% 9.5% Growth 61–80% growth 9.5% 6.9% 7.8% Balanced 41–60% growth 7.6% 5.6% 6.3% Conservative 21–40% growth 6.0% 4.2% 4.6% Plain-text version, in case your podcast platform doesn't render tables (Apple Podcasts and Spotify usually strip formatting from episode descriptions): RISK CATEGORY (growth/defensive split) — 1 YEAR | 5 YEARS (p.a.) | 10 YEARS (p.a.) All Growth (96–100% growth) — 12.4% | 8.4% | 9.6% High Growth (81–95% growth) — 10.9% | 7.9% | 9.5% Growth (61–80% growth) — 9.5% | 6.9% | 7.8% Balanced (41–60% growth) — 7.6% | 5.6% | 6.3% Conservative (21–40% growth) — 6.0% | 4.2% | 4.6%   ENJOYED THIS EPISODE? If this episode helped you check in on your super with a bit more confidence, the best thing you can do is leave a review wherever you listen. It takes less than two minutes and it helps more women find this show. And if you know someone who hasn't looked at their super in a while, send this episode to her today. 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. NGS Super is a sponsor of this episode. Sponsorship does not influence the general information we share. Any performance data or fund names referenced, including NGS Super's own, relates to third-party Chant West research and is not a recommendation of NGS Super specifically. Past performance is not a reliable indicator of future performance. All performance figures in this episode are current as at 30 June 2026, sourced from Chant West.

  6. Aug 2

    65 How to Negotiate Salary Without Feeling Pushy

    How do you negotiate salary without feeling pushy, ungrateful, or "too much"? That's exactly what this episode is about. Naomi sits down with salary negotiation coach Angela Langmann to unpack why so many women avoid asking for a raise, and the simple strategy that changes it. Australia's gender pay gap currently sits at 21.1%, meaning for every dollar a man earns, a woman earns just under 79 cents. The reality is that there are many reasons for this,  one of the big challenges being the moment an offer lands on the table, or a review rolls around, one person asks for more while another says thank you and moves on. Angela is a former corporate hiring manager who spent years watching hundreds of candidates go through exactly that moment, and who now runs her own business helping women over 45 have the salary conversations.  Angela's message is simple and genuinely reframes the whole conversation: this isn't a confidence problem. It's a strategy problem. And strategy can be taught. They cover the data behind why women negotiate less often than men, the real (and often irrational) fears that stop us from asking, why our last salary anchors our next one, and Angela's own collaborative-but-assertive negotiation method which is illustrated with two real client stories, including one that turned into equity and a sign-on bonus instead of just a bigger base salary. IN THIS EPISODE YOU WILL LEARN The negotiation data: why women are significantly less likely than men to negotiate an actual offer, even when they raise expectations early in the process The real reasons women hold back from asking - fear of backlash, weaker access to salary information, and beliefs about what asking "makes you" Why your last salary becomes an anchor for your next one, and how to break that pattern What a negotiation coach actually does, and how it's different from a career coach or mentor Angela's negotiation strategy — collaborative, non-threatening, and assertive, all at once Two real case studies: one that turned a rejected request into a 16% increase, and one that resulted in equity participation and a sign-on bonus instead of just a bigger number ABOUT ANGELA LANGMANN Angela spent years in corporate as a hiring manager, sitting across the table from hundreds of candidates at the exact moment salary negotiations happened. After noticing a consistent pattern — men negotiating more often and opening higher, women far more likely to simply accept what was offered — she left corporate to build her own negotiation coaching business under her own name, working specifically with women over 45 to close that gap for themselves. You can find her at:  https://angelalangmann.com/ And LinkedIn: https://www.linkedin.com/in/angelalangmann?originalSubdomain=au SOURCES MENTIONED IN THIS EPISODE Gender pay gap (21.1%, total remuneration) — Workplace Gender Equality Agency (WGEA), 2025 data The "broken rung" (first promotion to management) — McKinsey, Women in the Workplace 2025 Negotiation rates by gender (67%/36% women, 78%/55% men at interview vs. offer stage) — Korn Ferry 60% of women have never negotiated their pay vs. 48% of men — Randstad Angela's client results (16–20% average increase) and the "15% more income" negotiation benchmark are drawn from Angela Langmann's own coaching data ⚠️ source to be confirmed with Angela before publishing CONNECT WITH US Naomi Holmes — Her Money Matters Instagram: @hermoneymatters Website: hermoneymatters.com.au Email: naomi@hermoneymatters.com.au ENJOYED THIS EPISODE? If this episode gave you something to think about before your next review or offer, the best thing you can do is leave a review wherever you listen. It takes less than two minutes and it helps more women find this show. And if you know a woman with a performance review coming up, or who's just received an offer — send her this episode before she walks in. 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.

  7. Jul 26

    64 Bad Money Habits vs Good Money Habits: What Actually Changes Them

    Most of us already know what we should be doing with money: save more, spend less, charge what we're worth, and actually look at the numbers. So why do so many smart, capable women still find themselves stuck in the exact same patterns, year after year?   In this episode, Naomi and Helene unpack the psychology behind our money habits, the automatic and often invisible patterns that are running our financial lives. They cover what a habit actually is and why the unhelpful ones compound just like interest, the difference between limiting and expansive habits, where these patterns really come from, and why willpower was never going to be the thing that fixes them.   Using a simple three-part framework: Name It, Place It, Choose, Helene walks through how to spot a limiting money habit, trace it back to where it started, and finally build something new in its place.  IN THIS EPISODE YOU WILL LEARN What a habit actually is, and why unhelpful money habits compound just like interest in the wrong direction The difference between limiting and expansive habits Where our money habits actually come from and why they are almost never really about money Why willpower cannot fix a habit that lives in the part of the brain built to keep you safe The three-part framework for shifting any habit: Name It, Place It, Choose How to build a new, specific habit and make it stick using neuroplasticity — not motivation CONNECT WITH US Naomi Holmes - Her Money Matters Website: www.hermoneymatters.com.au Email: naomi@hermoneymatters.com.au Helene Psarakis - ThinkBowl Website: thinkbowl.com.au Email: helene@thinkbowl.com.au ENJOYED THIS EPISODE? If you heard yourself somewhere in Mel's story, the best thing you can do is share this episode with a woman in your life who needs to hear it. And if this podcast is helping you, please leave a review wherever you listen — it takes less than two minutes and it genuinely helps more women find this show. DISCLAIMER The information shared in this episode is general in nature and does not take into account your personal objectives, financial situation or needs. Neither Naomi nor Helene are providing financial product advice, or medical, psychological or therapeutic advice, in this episode. Before making any decisions about your finances, please consider whether the information is appropriate for your circumstances, and speak to a licensed financial adviser or appropriate qualified professional if you need personal advice.

  8. Jul 19

    63 What Happens…. When the Person You Were Supposed to Grow Old With You Dies Too Soon

    Stephanie Duran's story is not one chapter, it is three. It begins in childhood, in a home where money was unpredictable and frightening, and where those early lessons left their mark on everything that followed. The second chapter is a marriage of twenty-one years, and then a divorce followed by the financial reckoning that comes with it. And then the third chapter: falling in love again, building a business together, and then receiving a terminal cancer diagnosis just three months after opening their doors. From that moment to his death, she had three and a half years: three and a half years of loving someone through the unimaginable, to advocate and fight for his life, and of facing decisions no one should ever have to make in the middle of grief. Somewhere in the middle of telling it, we both ran out of words for a moment as the tears rolled down our cheeks. Some stories don't just inform you, they remind you of what is actually at risk, and what it really means to be a woman navigating money and life and love all at the same time. In this episode we cover: How a childhood shaped by financial chaos follows you into adulthood and what it takes to finally face that story The money lessons Stephanie took from a 21-year marriage, and what she wishes she had known before the divorce The financial reality of a terminal diagnosis: the decisions, and the debt that comes with fighting for someone's life Voluntary Assisted Dying and what it means emotionally, financially, and practically, and why more families need to be having this conversation How Stephanie turned the hardest chapters of her life into Because I Loved You - a memoir about the journey she shared with the love of her life, and why financial advisers and oncology professionals across Australia and the United States are now using it as a resource Stephanie is a former attorney, an ICF certified grief and trauma coach, and the author of Because I Loved You — now being used by financial advisers and oncology professionals across Australia and the United States. This is one of the most important conversations I have had on this podcast. I think you will feel that too. You can purchase the book here through amazon:  https://www.amazon.com.au/Because-Loved-You-Surviving-Unthinkable/dp/B0FCYTYVWX This episode covers grief, terminal illness, early partner loss and divorce. Please take care as you listen.

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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
    70
  • Rating
    Explicit
  • Copyright
    © Copyright 2025 All rights reserved.
  • Show Website
    Her Money Matters

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