Understand how hidden emotions about money show up in business decisions, why success requires trust in your money, and how to create a healthier, more grounded relationship with it. Phoebe walks through five steps you can start immediately to reduce anxiety, increase clarity, and expand your capacity to earn and receive.

You don’t need to obsess over money to be successful, but you do need a relationship with it that is honest, respectful, and supportive.

If this episode resonated, follow Phoebe on Instagram for daily money insights and join the Happy Money Society’s free basic plan to keep building your confidence with money.

00:00 Why You Need to Like Money to Succeed (The Honest Confession) 01:28 Money Trust Issues: How Resentment Shows Up in Business 03:53 Step 1 — Awareness: Notice Your Real Money Emotions 05:53 Step 2 — Respect: Give Every Dollar a Job 07:45 Step 3 — Safety: Stop Self-Sabotage & Build Money Confidence 10:36 Step 4 — Connection: Link Money to Your Values & Life Vision 12:37 Step 5 — Appreciation: Gratitude That Improves Decisions 15:11 Wrap-Up: The 5-Step Recap + Where to Learn More

As we get older we stop thinking we will be fine in retirement and start to pay attention! Today we share the secrets to retireing well...because high income doesn’t automatically equal long-term security.

In this episode, Phoebe takes a strategic, grown-up look at what retirement readiness actually means for women over 50 especially those who’ve been busy building careers, businesses, and families while quietly outsourcing their future.

This is not a financial planning session. It’s a clarity session.

We talk about housing security, superannuation realities, tax structures, generational wealth, and the hidden risks that catch even successful women off guard.

If you’ve ever thought, “I really should understand this better” this episode is for you.

• Why housing security matters more than your super balance • The difference between earning well and being financially secure • How super actually works — and why drifting is expensive • What “concessional”, “carry-forward”, and “Division 293” really mean • Why many high-income women underuse the system • How risk and investment choices shape long-term outcomes • The importance of having money outside super • Why inheritance should never be your retirement plan • What changes when you’re already financially comfortable • How to take strategic ownership without becoming an expert • The questions every woman should be able to ask her adviser

You don’t need to manage your own investments, but you do need to understand your position.

Outsourcing your future completely is not a strategy.

Clarity, structure, and informed decision-making are what protect your freedom later in life.

• Australian Taxation Office (ATO) — Super rules and contribution limits • ASIC MoneySmart — Retirement calculators and guidance • ASFA Retirement Standard — Lifestyle benchmarks • Services Australia — Age Pension information

February Money Reset – Getting Back in Control After Summer

January in Australia is magic. Sun, beach, long lunches, late nights. Life feels light and money barely registers. And then February arrives and everything lands at once. Christmas. School costs. Credit cards. Quiet business months suddenly picking up again.

Suddenly you’re thinking, “Wow. This feels a bit out of control.”

In this episode, Phoebe shares why February has become her annual reset month and how she uses simple habits, practical clean-ups, and mindset shifts to get back into calm, confident money mode every year.

There’s no shame in this conversation. No spreadsheets. No deprivation. No pretending you should “know better by now.” Just real, doable ways to feel clearer, more organised, and more in charge of your finances.

You’ll hear why clutter affects spending, how to spot your money leaks, how to shift from low-value to high-value habits, and why awareness beats perfection every time.

If February usually feels messy for you, this episode will help you reset and move forward without beating yourself up.