The Broke Generation

n this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership. Episode 3 highlights: The cost of common pet conditions/emergencies to be aware of How much to have saved if you don't have insurance  How to communicate with your vet over financial aspects of pet care How telehealth can help you reduce unnecessary trips to the vet and get immediate advice at home PLUS there's a special offer for The Broke Generation listeners: use code VET10 to get 10% off your VetChat Plus membership and get unlimited telehealth appointments at any time of day, plus cover for 5 common pet emergencies https://www.vetchat.com.au/vetchat-plus?utm_source=the-broke-generation&utm_medium=podcast&utm_campaign=vetchat   Where to find Claire and VetChat on social media: https://www.instagram.com/vetchataustralia/See omnystudio.com/listener for privacy information.

In this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership. Episode 2 highlights: Financial anxiety as a pet parent and what causes it Common red flags to look out for in your pets What mix of savings/insurance/coverage/check ups is ideal to stay on top of pet costs A vet's advice for keeping your pet healthy when they hate going to the vet PLUS there's a special offer for The Broke Generation listeners: use code VET10 to get 10% off your VetChat Plus membership and get unlimited telehealth appointments at any time of day, plus cover for 5 common pet emergencies https://www.vetchat.com.au/vetchat-plus?utm_source=the-broke-generation&utm_medium=podcast&utm_campaign=vetchat   Where to find Claire and VetChat on social media: https://www.instagram.com/vetchataustralia/See omnystudio.com/listener for privacy information.

In this 3-part mini series I'm joined by vet and founder of VetChat, Claire Jenkins, to talk about the cost of pet ownership and how we can manage the cost of pet care amidst the cost of living crisis. These episodes feature insights from our pet owner survey, as well as tips, tricks and advice from Claire on handling the financial aspect of pet ownership. Episode 1 highlights: Is pet insurance really worth it? How do I understand my policy better? What if I don't have it and it's too late now? The role of telehealth in managing your pet's health PLUS there's a special offer for The Broke Generation listeners: use code VET10 to get 10% off your VetChat Plus membership and get unlimited telehealth appointments at any time of day, plus cover for 5 common pet emergencies https://www.vetchat.com.au/vetchat-plus?utm_source=the-broke-generation&utm_medium=podcast&utm_campaign=vetchat   Where to find Claire and VetChat on social media: https://www.instagram.com/vetchataustralia/See omnystudio.com/listener for privacy information.

In 2025 I committed going one whole year without buying clothes... for a SECOND TIME! In this episode I take you through what I learned, the challenges, the wins, and how it differed from the first time around. The Wardrobe Project group challenge is now open for enrolment for our next cohort starting March 1st, and early bird pricing is available until 12th Feb! Save your spot here: https://thebrokegeneration.com/product/the-wardrobe-project-cohort-3/ Mentioned in this episode: My new book, The Wardrobe Project: A year of buying less and liking yourself more: https://amzn.to/4qpQEge Previous episode about my experience giving up buying clothes for a year: https://thebrokegeneration.com/blog/episodes/i-didnt-buy-clothes-for-one-year-heres-everything-i-learned/?portfolioCats=362 ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

 The Monthly Wrap is BACK, BABY!!! A loved episode format from many moons ago, I'm thrilled to bring back my monthly wrap up of goings on in my finances, life and business, in partnership with my friends at PocketSmith. Each month I'll take you through: The monthly mood: what was the vibe of my finances last month? An overview of the month in life, money and business RECEIPTS: where my money went, using my PocketSmith dashboard for insights The money mirror: what was my transaction list reflecting back at me BOARD MEETING: business updates, projects and challenges GROUP CHAT: life updates, hacks, recipes, and hot goss Next month's focus and 3 quick hit goals to focus on Head to www.pocketsmith.com/thebrokegeneration to check out PocketSmith's foundation plan and snag yourself 2 months at 50% off. Mentioned in this episode: Baguette recipe: https://www.aberdeenskitchen.com/2020/08/classic-crusty-french-baguettes/ See omnystudio.com/listener for privacy information.

In this episode I take you through an epic guided framework to help you create a blueprint for your hottest money year ever. Combining both objective and subjective elements of your finances, this blueprint will give you a complete look at your finances and establish the most bang-for-buck areas to focus on in 2026. Mentioned in this episode: Payday routine episode: https://thebrokegeneration.com/blog/episodes/a-payday-routine-is-your-superpower-spendtember/ Financial values episode: https://thebrokegeneration.com/blog/episodes/bonus-miniseries-understanding-financial-values-and-how-to-spend-in-alignment-with-them/ Reflect & Reset 2 part workshop DISCOUNTED PRICE: https://thebrokegeneration.com/product/reflect-reset-2025/ ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Welcome to 2026!! In this episode I'm unpacking the power of pride (and the momentum it generates) in your personal finances and exploring what we can do to make ourselves proud this time next year.  Mentioned in this episode: Reflect & Reset | The two part workshop: https://thebrokegeneration.com/product/reflect-reset-2025/ ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

BOOM we are hitting the ground running this January with a red hot look at where I spent my money in 2025 and what my plans are for it in 2026. Special thanks to PocketSmith for making this episode possible. Visit www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan. ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

It's that time of year again! Join me as I rattle through 26 goals for 2026, in the realms of money, business, health, and happiness. ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

 Welcome to the annual TBG end of year guided money reflection! Grab your notebooks, pour yourself something tasty, and buckle in for a series of reflective questions about your year in money. Want more? Dive deeper with my two part workshop series, Reflect & Reset, available instantly on demand, with a Money on a Page worksheet to complete between sessions. https://thebrokegeneration.com/product/reflect-reset-2025/ Thank you so much for being a part of the podcast this year, I appreciate you SO much! Here's to 2026. ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

It's that time of year! Join me as I review my 25 goals I set for 2025 and cover off which ones I achieved, which ones I didn't, and what I learned along the way. Mentioned in this episode:  The spending trap of thrifting: https://open.spotify.com/episode/1ytJRW47lzqxfzWJT9x1SG?si=3A7SSXmySauLAPH95zz8CA ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this episode I'm joined by Tash Etschmann (@tashinvests) for a chat about all things POINTS! We unpack everything from Qantas versus Velocity for frequent flyer points, Everyday Rewards vs FlyBuys, and other programs that offer added benefits.  Join me as an Everyday Extra gal here: https://rewards.app.link/wc7wWEYYoOb ORDER THE WARDROBE PROJECT! Australia/NZ: https://amzn.to/3Jatx9x  UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  ORDER MY FIRST BOOK, GOOD WITH MONEY Australia/NZ: https://amzn.to/4aoSWbe UK: https://shorturl.at/WQsjo US: https://shorturl.at/zrmtg Where to find me Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.  See omnystudio.com/listener for privacy information.

We're back again with another week in our wallets brought to you by PocketSmith. This week Victoria galivants around Japan while Emma has a low key week of hustling. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith's foundation plan.See omnystudio.com/listener for privacy information.

In this episode I'm joined by Kim Heironymous, education manager at AustralianSuper, to talk all things superannuation and how to get engaged with your superfund for the benefit of your future self. Highlights: Understanding how super contributions work How you can make up for years of low/no super How spousal splitting and co-contributions can help you level the super playing field in your relationship The impact of small additional contributions Small ways you can take steps towards a better retirement Take your Super Snapshot here to see how you’re tracking! - Disclaimers: If you’re considering making a decision about AustralianSuper, please read the relevant PDS and TMD available at www.australiansuper.com. Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super. Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. AustralianSuper modelling projections show a high school graduate who starts their retail career at 18yo and earns 12% SG on their Ordinary Times Earnings (OTE) of $56,000 throughout their working life can expect a balance of $556,000 when they retire at 67. At 20yo, they change their investment option from Balanced to High Growth. They continue to earn 12% SG on their OTE of $56,000 throughout their working life. By changing their investment option, they can now expect a balance of $641,000 when they retire at 67 – that’s $85,000 more than if they hadn’t taken action. The projection is only an estimate and isn’t a guarantee. The actual benefits you receive will depend on a range of factors including future economic conditions, investment performance and legislative change. Assumptions: Calculations at September 2025. Salary as per General Retail Industry Award (Retail Employee Level 4) 1 at 25 June 2025. Salary indexed at 3.5% pa. AustralianSuper administration fees of $1 pw and 0.10% of account balance (capped at $350 pa) and AustralianSuper average insurance costs of $450 p.a. Assumes member will receive a tax benefit of 15% on any administration fees and any insurance fees deducted directly from the account. Investment returns projected over the working lifetime are 6.5% p.a. for the Balanced option and 7.0% p.a. for the High Growth option, net of fees and applicable taxes. SG contributions are 12% pa from 1 July 2025. Assumes member works full-time throughout the projection period with no career breaks. See omnystudio.com/listener for privacy information.

Welcome back to another episode of A Week In Our Wallets, this time brought to you by our fabulous friends at PocketSmith! Head to www.pocketsmith.com/thebrokegeneration to try PocketSmith for yourself. See omnystudio.com/listener for privacy information.

Welcome back to things you'll thank yourself for in 10 years. If you haven't listened to part one yet, go and do so. This week I'm diving into more small things you can do for your life, health and finances that you'll thank yourself for in the future. Share this with someone you think will enjoy it!  See omnystudio.com/listener for privacy information.

Welcome to the annual Black Friday episode where I take you through my observations on the sales sentiment this year, comb through retail reports on what the industry is seeing, and of course, leave you with my top tips, mindsets to embrace and traps to avoid to ensure you're happy with your spending by the end of it all! See omnystudio.com/listener for privacy information.

It's officially release day for The Wardrobe Project (in Australia, anyway!). Rest of world, you're only about a week or so away! In this special release day episode I take you through a bit about the writing process, my 5 favourite things about the book, and a sneak peek reading of a few pages. Get your tickets to one of the launch events below – I can't wait to see you! Melbourne: https://www.trybooking.com/events/landing/1496871 Sydney: https://www.trybooking.com/events/landing/1489984 Order your copy! Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  UK: https://shorturl.at/fKH5O  Non-Amazon UK: Bookshop.org  US: https://shorturl.at/9KNyb  Canada: https://shorturl.at/PgcJx  Or Google search "The Wardrobe Project by Emma Edwards" in your region for local results.  See omnystudio.com/listener for privacy information.

WE'RE BACK BABY!!!! In this episode, I'm joined by KJ. a passionate financial advocate openly sharing her financial journey. KJ discusses her experiences migrating to the UK from Zambia aged 7, detailing her struggles and triumphs with debt management and living her 'best boujiest life' while building financial confidence. From her educational background in law to a rewarding consulting career, her story highlights the importance of financial literacy and emotional resilience. KJ also touches on the concept of 'black tax,' the pressures of being an eldest daughter, and her strategies for effective budgeting and financial planning. Her journey showcases how overcoming financial challenges requires internal growth and practical techniques. Highlights: The shame of debt and debt cycles The "black tax" and family expectations within cultures Early money conversations and how they shape us Cultivating a drive for success and growth Navigating a career in consulting and doubling your salary Believing in yourself when the world doesn't Budgeting while living your best boujiest life Where to find KJ: https://www.tiktok.com/@kjkas4?_r=1&_t=ZS-918LdLIfd48See omnystudio.com/listener for privacy information.

In part one of this new series, I'm sharing a raft of things you'll thank yourself for in 10 years. No matter what age or stage of life you're at, there's something to be said about doing something now that'll pay off in the future. Often we wait around for the perfect time to start something, only to realise that the years have passed anyway, and we'd be so much further along with something if we'd just taken that one first step a decade ago. PREORDER THE WARDROBE PROJECT! Preorder in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ Preorder options: Booktopia  Preorder in the UK: https://shorturl.at/fKH5O  Non-Amazon UK Preorder: Bookshop.org  Preorder in the US: https://shorturl.at/9KNyb  Preorder in Canada: https://shorturl.at/PgcJx  Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.