By choice or by chance, our lives change in our 40s and 50s. Kids grow up. Parents age. Relationships fracture. Careers stall. Suddenly, we’re carrying everyone — emotionally, financially, physically — and nobody seems to notice that we’re drowning.

This episode is raw and real.I’m digging into what it really feels like to be a woman in the thick of it: invisible, exhausted, expected to hold it all together… while secretly falling apart.

What do we do when it all falls apart, because we were meant to be the generation that had it all!! Instead we are getting divorced, losing our jobs and finding ourselves with no real plan. This is the emotional and financial burden we don't talk about. But we need to.

Because here’s the truth: You are not lazy. You are not crazy. You are not alone. And you are not out of options.

• Why midlife is hitting women harder than ever before

• The trap of being the default caregiver — even when we’re crumbling

• Domestic violence, adult children, ageing parents, and financial burnout

• The uncomfortable but necessary steps to start putting yourself first again

• Transition-to-retirement strategies, Centrelink options, and topping up super

• How curiosity beats defeat — especially when you're rebuilding your life

• Free Workbook: My Mindful Money Journey

• 30-Day Spend Cleanse: Join Now

• Instagram: @thehappymoneyjourney

• Facebook Group: Happy Honeys

If this episode hit home, share it with a woman you love. Rate, review, and subscribe — it helps get this message to more women who need to hear they’re not alone.

It’s that time again — the ATO wants a date, and you’ve got receipts (somewhere, probably…). But what if we told you tax time isn’t just a necessary evil? It’s actually a chance to get financially fierce and turn your spring clean into a wealth strategy.

In this empowering episode, Phoebe breaks down:

• Why tax time is your secret weapon for building wealth

• How to rethink deductions (it’s not just about work expenses)

• The truth about tax myths that keep women playing small

• How to use this time to spot leaks, set goals, and invest smart

• A mini pep talk about claiming your worth (because YES, you can pay less tax and still sleep at night)

Whether you're a side hustler, small biz owner, PAYG employee, or just tired of financial fog, this episode has something for you.

💥 No dry ATO speak. Just practical, powerful steps to take control of your money narrative — minus the shame spiral.

• 📥 Grab your FREE 30-Day Spend Cleanse Plan

• 📚 Read The Happy Money Journey Book

• 🧠 Join the 30 Day Spend Cleanse

• 🎉 Work with Phoebe 1:1 or in group coaching

• 💛 Join the Happy Honeys Facebook Group

• 🎧 Listen to more episodes

00:00 – Welcome to the power of tax time 02:40 – Why women are overpaying and under-claiming 07:30 – How tax can be part of your abundance plan 12:15 – The mindset shift: receipts are data 16:00 – Deductions decoded: what you might be missing 18:30 – Next steps: reclaim your financial power

Buying a home can be overwhelming — especially when life is messy. What if you’re going through a divorce? What if you’ve inherited a property? What if you just don’t know where to start?

Enter Antoinette Sagaria, powerhouse Buyer’s Advocate at Entourage Property. In this episode, she reveals how to make smarter, calmer, and far more strategic property decisions — no matter where you’re at on your journey.

From first‑time buyers finding their feet, to those starting over after separation, Antoinette takes the emotion out of buying and selling. You’ll learn why having a trusted advocate can save you money, time, and heartache, how to align your expectations with the reality of the market, and why every dollar you invest needs to work harder for you.

This one’s an absolute must‑listen for anyone dreaming of financial freedom through property — because buying well is how we build generational wealth.

Listen now and get ready to rewrite your own property story.

[00:00] Introduction & Acknowledgement of Country Welcome to My Happy Money Journey, Phoebe Blamey acknowledges traditional owners and sets the scene for this episode.

[01:00] Meet Antoinette Sagaria — Buyer’s Advocate at Entourage Property How Antoinette guides clients through buying, selling, and property management, focusing on making property a holistic part of their life.

[03:00] Property & Family Dynamics Antoinette shares her experience with family dynamics, succession planning, and renovations — making sense of inherited properties.

[06:00] Property Advice & Finance Why working with a Buyer’s Advocate from the start can save heartbreak down the track, especially in divorce or separation scenarios.

[08:00] Setting Realistic Property Expectations How Antoinette helps couples align their ideas about what to buy and where — making sure the search is a match for the market.

[10:00] Helping First‑Time Buyers & Divorcing Couples Why guidance is critical when starting fresh after separation, and making sure the next chapter is built on solid financial ground.

[14:00] The Role of Property in Generational Wealth Buying for long‑term stability, making smart decisions about inherited properties, and looking at the bigger picture of family wealth.

[18:00] Navigating the Sale of a Family Home Why an expert advocate can save money and reduce stress when splitting a household post‑divorce.

[22:00] Property as an Asset You Can Control How to balance emotion and financial reality when making big decisions about the family home or inherited property.

[26:00] The Importance of Tailored Property Advice Buying interstate versus in Victoria, making confident decisions, and knowing when and why you might diversify your investments.

[29:00] Final Thoughts and Best Advice Why a trusted team of professionals gives you the confidence to create long‑term, generational wealth and a happy money journey.

About Antionette:

#BuyingProperty #BuyersAdvocate #FinancialFreedom #PropertyInvestment #PropertyAdvice #DivorceAndProperty #FirstTimeBuyer #InvestmentProperty #WealthBuilding #HappyMoneyJourney #WomenAndWealth #PropertyTips #AustralianProperty #FinancialEducation #RealEstate