September Property Update 2025: The 5% Deposit Scheme, First Home vs Investment, and Finding Growth Locations with Arjun Paliwal
The rules of the property game just changed and you need to know how. In this Get Rich episode, Molly is joined by Arjun Paliwal, CEO of InvestorKit, to unpack the big news: the 5% deposit scheme for first home buyers. What does it mean for property prices? Should you buy your first home to live in, or start with an investment property? And where are the growth hotspots in 2025? We also cover: The impact of the 5% deposit scheme and new price caps When buying to live in isn’t the best move Mortgage vs investment: what should you prioritise? Why you don’t actually need 8–10 properties to retire comfortably Key data points to spot growth locations How kids (yes, really) impact your borrowing power This is your September, straight-talking property market update to help you make smarter moves in 2025. 💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.
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The Only Two Budgets You’ll Ever Need: Top-Down vs Bottom-Up with Glen James
Think budgeting is complicated? Glen James says there are only two types of budgets you’ll ever need and knowing the difference could change your financial life. In this episode of Get Rich, host Molly Benjamin sits down with Glen James, creator of the Glen James Spending Plan and host of the My Millennial Money podcast, to break down top-down vs bottom-up budgeting in a way that’s simple, practical, and actually works in real life. Whether you’re living week-to-week, trying to pay off debt, or saving for your first home, you’ll learn: The two types of budgets explained and which one works best depending on your stage of life How the bottom-up budgeting method works and why it’s perfect for people with existing expenses and commitments How to set up a weekly spending plan that covers bills, goals, and fun money (without the guilt) The 4 levers to pull when your budget isn’t working - including how to cut costs without feeling deprived Why habits matter more than spreadsheets when it comes to sticking to a budget long-term Common budgeting mistakes and myths and how to avoid them If you’ve ever searched how to budget, top-down vs bottom-up budgeting, or how to create a spending plan, this episode will give you a clear framework you can start using today. 💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.
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Finding a Financial Advisor You Can Trust in Australia: Costs, Red Flags & Must-Ask Questions
How do you know if it’s the right time to get a financial advisor and more importantly, how do you find one you can actually trust? In this episode of Get Rich, host Molly Benjamin chats with Lexi Smith from Wealth Maximizer https://wealthmaximizer.com.au to demystify the world of financial advice in Australia. Whether you’re wondering if you should see a financial advisor, hire a money coach, or handle things yourself, this episode will help you make an informed choice. We cover: The difference between a financial advisor, a money coach, and a financial planner - and when to see each one The red flags when choosing a financial advisor (spoiler: if they promise “guaranteed returns,” run!) How much financial advice really costs in Australia - and the more affordable alternatives available Why so many Australians aren’t getting advice (and how this can impact your wealth) How Wealth Maximizer’s hybrid financial advice model works - combining professional licensed advice with an affordable, online-first approach Who should consider a traditional advisor vs. a digital-first service If you’ve ever asked yourself, “Do I need a financial advisor?”, “How do I choose the right financial planner in Australia?”, or “What are the warning signs of a bad advisor?” - this episode is packed with practical tips, must-ask questions, and insider knowledge to help you protect your money and your future. 🔍 Links & Resources:Wealth Maximizer — Use code LFC (all caps) for 20% off all plans, T&Cs apply, expires 30 Sept 2025 https://www.wealthmaximiser.com.au/Check the ASIC Financial Advisers Register - Verify your advisor is licensed https://moneysmart.gov.au/financial-advice/financial-advisers-registerNational Debt Helpline - Free support for Australians in financial hardship https://ndh.org.au/ 💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.
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Australia’s Property Market Update 2025: Interest Rate Cuts, Property Prices & Where to Buy
Interest rates have just been cut - so what does that mean for property prices in 2025? In this episode, Molly Benjamin is joined by property expert Arjun Paliwal (InvestorKit) to break down the latest housing market update. From rising regional hot spots to whether it’s a buyer’s or seller’s market, this is your essential property investing guide for 2025. Here’s what you’ll learn:🏡 How interest rate cuts are shaping property prices (and why it’s not always straightforward)📊 Buyers vs sellers: which markets are heating up and which still favour buyers🌏 Best places to buy property in Australia right now (Queensland, WA, and surprising regional towns)💡 Whether to turn your first home into an investment property or sell and upgrade📈 Why market sentiment and sales activity matter just as much as borrowing capacity💰 What property investors should do before buying or selling in 2025 Whether you’re a first-time buyer, upgrading your home, or building a property portfolio, this episode gives you the data-driven insights to make smarter property decisions in 2025. 💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.
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How to Financially Prepare for a Baby – Budgeting, Super, Childcare & Money Moves with Jayde Jenkins and Ash Cam
Pregnant or planning a family? Wondering how much a baby really costs and how to budget for it?In this episode of Get Rich, we share practical, real-world money tips for first-time mums, expecting parents, and anyone preparing for life with a newborn. Molly Benjamin is joined by financial advisor Jayde Jenkins and soon-to-be mum Ash Cam to unpack the true cost of having a baby in Australia and how to get financially ready — without the overwhelm. We cover:✅ How to budget for a baby and create a baby emergency fund✅ Maternity leave money tips — including how to protect your superannuation✅ Public vs private birth costs (and what’s often left out of the budget)✅ The hidden expenses of newborn essentials and pregnancy care✅ Childcare costs, subsidies, and why you need to join waitlists early✅ Key pre-baby life admin: wills, insurance, joint accounts✅ How to start saving or investing for your child’s future Whether you’re an expecting parent or just starting to plan, this episode will help you prepare your finances, avoid common mistakes, and feel confident about your money before your baby arrives. 💌 Want more money tips straight to your inbox?Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25 Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub 🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169. Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples. [See omnystudio.com/listener for privacy information.]Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.
Welcome to Get Rich by Ladies Finance Club - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.
Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. Hit subscribe and let’s get rich (and stay rich) together.
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