So Invested

At the beginning of every year, we are filled with new motivation and an attitude for change. But here’s the thing - motivation is a terrible long term strategy. Instead, we need consistent systems in place to actually achieve our goals, for when motivation (undoubtedly) dips!!In this episode, we break down why most people don’t fail because they’re lazy or undisciplined - they fail because they never set up the systems to support the outcome they want.We cover:Why relying on motivation will always let you downWhy choosing one goal is the fastest way to make progressAnd the four systems we’re putting in place this year to ensure we actually hit our North Star goalThis is the practical, no-fluff conversation about designing your environment, habits, and workflows so progress happens by default!If you hear us yapping our reflection in our Rich Girl Habits - here’s a template to start your own: Reflection prompts and if you hear us to continue to yap about Notion, here is the event Maddy is talking on Notion: Build your life's work !Find us on ⁠Instagram⁠ or ⁠TikTok⁠, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow).We hope you’re So Invested 🧡This episode was brought to you by ⁠Up⁠, sign up today using our code SoInvested20 and get $20 in your account.

Are you feeling stuck in your job but also overwhelmed at the thought of finding something new? We have been having so many of these conversations with friends so it got us thinking - let's create a playbook, using AI (so it takes out a lot of the brunt work) to land your dream job come the new year. So in this episode, we’re breaking down a six-week playbook to help you prepare, explore, and land your next role - from figuring out what excites you, to networking, to polishing your resume and actually applying. Basically, we’ve taken all the WhatsApp notes, voice memos, and AI tools we’ve been playing with, and put it into one episode for you.This week, we cover:How to define your values, lifestyle goals, and dream work in a way that’s realistic but excitingTools you can use to remove friction from the job hunt process A week-by-week structure that incrementally builds so the process doesn't feel overwhelming By the end of this episode, you’ll have a clear roadmap so that by January you can hit the job market feeling prepared, confident, and energised.Use the following template, linked here for all the prompts you need for this six week playbook. As always, find us on Instagram or TikTok and if you haven’t already, hit follow in your podcast app - it really helps our small business grow.We hope you’re So Invested.

TikTok might be about to change forever. The U.S. government has pushed through a forced sale - and one of the biggest questions on everyone’s mind is: who’s buying it, and what happens next?This week, we’re unpacking how the TikTok sale came to be, what it means for creators, and whether this could actually become the newest “Big Tech” investment story.We cover:✨ Why the TikTok sale is happening - and who’s stepping up to buy it✨ What it means for Oracle to control the algorithm ✨ How Oracle’s public stock makes this a real investment story for everyday people✨ What it means if you're a creator on the platformFind us on ⁠Instagram⁠ or ⁠TikTok⁠, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow).We hope you’re So Invested.

Is hustle culture making a comeback or are we just redefining what ambition looks like?This week, we’re unpacking the messy middle between chasing success and protecting our sanity. As ambitious women, we’ve felt the tension between striving, setting boundaries, and the burnout that inevitably follows when those boundaries slip. So, we’re asking: what does success actually mean now, and how do we build lives that don’t run us into the ground?We unpack:✨ Why hustle culture is creeping back into the conversation ✨ The difference between ambition and overextension✨ Redefining success beyond money and titles✨ Why we are all feeling so burnout !! Plus, an all time favourite community dilemma about splitting bills. Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow).We hope you’re So Invested.

A LinkedIn post from Lucy Wark got us thinking about our 'career brands'... your personal brand but in a career setting. Your career isn’t about climbing a ladder, it’s about building an identity that grows and changes as you progress and the best way to do that is through building a career brand. In this episode, we unpack how to create transferable skills that let you pivot between roles, the art of rebranding yourself to elevate your career, and tangible strategies for building a career or personal brand that lasts. Think of it as your playbook for staying relevant, future-proofing your work identity, and standing out in a noisy job market.And of course, Rich Girl Habits! Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow).We hope you're So Invested.

Welcome to episode two of Backbone! The four part mini series where we discuss the financial side of building a business. Today, we get into the structures that sit underneath your business and the tax impacts of each!Whether you’re just starting out, running a side hustle, or transitioning into something more complex, the way your business is set up has real implications for tax, cash flow, and risk. And yet, this is one of the least openly discussed parts of being a founder.So, this week, we have the candid tax conversation that no one seems to be having.In this episode, we cover:The common business structures available to new and growing business ownersHow and when structures tend to change as your business becomes more complexThe tax realities founders often avoid (and why that’s risky)Our perspective on when to bring in an accountant, bookkeeper, or advisor and what to look forThis episode is brought to you by Notion - and by far one of our favourite tools, Notion Agent. Notion Agent is fundamentally different from typical AI tools. Instead of just suggesting or chatting, it completes tasks end-to-end, turning days of manual work into minutes.It acts like a Notion super user that understands your workspace, your working style, and how you like things done - helping you stay organised, clear, and accountable as you build.Let Notion Agent do the heavy lifting for you at ⁠Notion.⁠

Welcome to Backbone: a four-part mini series all about the financial backbone of building a business, side hustle, or freelance career.We talk endlessly about the exciting parts of building something - the idea, the creativity, the passion, the momentum. But behind the scenes, it’s often the money side that feels confusing, intimidating, or easy to avoid. And more often than not, businesses fail because the financials were ignored.There’s a huge gap in how openly we talk about money as founders. The messy bits. The avoidance. The “I’ll deal with it later” moments. This series is about closing that gap and helping you build confidence with your numbers.Episode one starts with the foundation: accountability. Not outsourcing responsibility, but learning to work alongside experts and developing the mindset that you need to understand what’s happening with the money in your business.In this episode, we cover:What an accountability mindset really meansThe common barriers that stop founders from taking control of their financesHow to shift from pure creativity into commercialPractical, realistic ways to build money check-ins into your routineIf you hear us mention the Money Type Quiz, you can find it here: Money Type QuizAnd if you hear us yapping about finding new communities that support you, we recommend Butter AppThis episode is brought to you by Notion - and by far one of our favourite tools, Notion Agent. Notion Agent is fundamentally different from typical AI tools. Instead of just suggesting or chatting, it completes tasks end-to-end, turning days of manual work into minutes.It acts like a Notion super user that understands your workspace, your working style, and how you like things done - helping you stay organised, clear, and accountable as you build.Let Notion Agent do the heavy lifting for you at ⁠Notion.⁠

How do you grow your income without draining your energy?In this episode, we’re unpacking what it really looks like to earn more sustainably - whether you’re in a 9-5, building something on the side, or working for yourself.After reflecting on the past year (and watching friends + founders in our community navigate career decisions), we realised earning more isn’t about doing more. It’s about creating more value, building leverage, and protecting your energy. We talk about:✨Why working harder doesn’t automatically mean earning more✨The mindset shift from “effort” to “value”✨How to think about bottlenecks in your time✨Boundaries, batching work, and designing your schedule around your energy✨Why thinking time (and yes, even naps) can be productivity strategiesIf you’re in a season of wanting more money, but not more burnout, this one’s for you.Find us on ⁠⁠⁠⁠Instagram⁠⁠⁠⁠ or ⁠⁠⁠⁠TikTok⁠⁠⁠⁠, and if you haven’t already, hit follow in your podcast app - it genuinely helps our small business grow.We hope you’re So Invested 🧡This episode was brought to you by ⁠⁠⁠Up⁠⁠⁠, sign up today using our code SoInvested20 and get $20 in your account.

In episode three of Backbone, we get into the numbers that actually keep your business alive: cash.Profit might look good on paper, but cash is what pays your bills, your team, and you. And yet, cash flow is one of the most misunderstood (and least confidently managed) parts of running a business.So this week, we cover:Why profit ≠ cash, and how profitable businesses still run out of moneyWhy cash flow is the most important metric to understand as a founderHow to think about managing cash flow day-to-day (not just at tax time)Practical measures to safeguard your cash flow as your business growsA simple walk-through of the key line items in a cash flow statement — and what they actually tell youIn need of a cash flow statement template: you can download our basic one here: Backbone Cash Flow StatementIf you have any questions about cash slide into our DMs. We want to keep this conversation going! Find us on the ⁠⁠⁠So Invested Instagram⁠⁠⁠ & Process Instagram and if you haven’t already, hit follow in your podcast app (it really helps our small businesses grow).

In today’s episode, we tackle one of the most common money questions: how much should you actually be saving, and how much should you be investing?We break down how we’re personally thinking about this in 2026, including the specific saving figures we’re aiming for, how we’re prioritising different buckets of money, and how our approach changes depending on life stage and goals.We cover:✨ How we’re approaching saving this year (including real numbers)✨ The difference between “safe” money and “growth” money✨ How we think about investing alongside saving, not instead of it✨ The house dilemma: savings vs investments for a property deposit✨ How to make decisions without feeling like you’re “doing it wrong”Find us on ⁠⁠⁠Instagram⁠⁠⁠ or ⁠⁠⁠TikTok⁠⁠⁠, and if you haven’t already, hit follow in your podcast app - it genuinely helps our small business grow.We hope you’re So Invested 🧡

Today we're sharing the AI tools we actually use to reduce mental load, automate boring life admin, and make better decisions - at work, with money, and in life.We cover: ✨ Why women are adopting AI at lower rates - and why it matters✨ Mental load & admin: Perplexity / Comet, Granola, Lindy.ai✨ Leverage & creativity: Gamma, Nano Banana, Lovable✨ Ease & personal life: Lifenotes.ai, Doji, NotebookLMRecommendations: Acquired episode: Google the AI companyOrenmeetsworld YouTube channelHot Smart Rich episode hereFind us on ⁠⁠Instagram⁠⁠ or ⁠⁠TikTok⁠⁠, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow).We hope you’re So Invested 🧡This episode was brought to you by ⁠⁠Up⁠⁠, sign up today using our code SoInvested20 and get $20 in your account.

We're backkkk! And we have a life update for you!!! It's our first time recording from different places in years, so we discuss why Soph is taking a deliberate pause to rethink her next chapter. The next eight weeks is all about taking you behind the scenes of how we’re setting ourselves up for the year ahead - money-wise, life-wise, all of it.And step one is about zooming out.... You can think of this as our vision board episode. We unpack:✨ Why you need a starting point before you set goals✨ How to audit your life across work, money, relationships, health, fun, and rest✨ The questions that help you land on what’s actually true for you right now✨ Why money without a “why” feels empty✨ And how to build a modern vision board, not a Pinterest boardThis episode lays the foundation for everything that comes next.Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow).We hope you’re So Invested 🧡Article: Are you in tune with you life's season? This episode was brought to you by Up, sign up today using our code SoInvested20 and get $20 in your account.

For our final episode of 2025! We’re closing out the year the only way we know how - with a very honest chat about what actually happened in 2025.From career pivots to money mindset shifts, moments of growth and challenges - we reflect on what we learned, what we’re letting go of, and what we want to bring into 2026.This episode is part reflection, part therapy session, and part goal-setting ritual.We also share the exact Year in Review questions we answered on mic, so you can do your own reflection (linked here ✨).Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow).We hope you’re So Invested.

Surprise! This week’s ep is something a little different... Many of you will know that Maddy's day job is on the investment team at Blackbird. Well this week, on a very special interview episode, Maddy is sitting down with one of the founders that Blackbird invested in - Michelle Battersby - to unpack her company Sunroom's recent acquisition by Fanfix. They get into:✨ How Sunroom changed the game for women creators✨ What Michelle paid herself as a founder✨ When to hold, when to pivot, and when to let go✨ What this journey taught Michelle about resilience, risk, and redefining successThis conversation is an unfiltered look at ambition and endurance, and the lessons that only reveal themselves when you decide to take on the greatest challenges. Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow).And once you're done listening to this episode, we highly recommend heading across to the Wild Hearts feed to check out their other episodes! We hope you’re So Invested.

Hot take: Spotify isn’t just where we listen to music anymore... It’s quietly becoming one of the most powerful tech companies in the world.This week, we unpack the story behind the streaming giant’s wild rise - from solving piracy in a Stockholm apartment to turning its first-ever profit, tripling its share price, and now leading the AI revolution in audio.We cover:✨ The Daniel Ek origin story - how a coder changed the music industry forever✨ How Spotify won the streaming wars through data and design, not celebrity exclusives✨ The business moves that finally made it profitable (and sent its stock soaring 350%)✨ How AI is reshaping your listening experience, from the DJ in your pocket to podcasts translated in the host’s own voice✨ And why Daniel Ek’s decision to step down as CEO might be Spotify’s smartest move yetFrom piracy to playlists to personalised AI, this is the story of how Spotify redefined music - and what its next chapter tells us about the future of creativity, tech, and business.Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow).We hope you’re So Invested.

Networking gets a bad rap, and honestly... we get it! Walking into a room alone can feel terrifying. But here’s the truth: every opportunity we’ve had, from jobs to friendships to this podcast, has come through our networks.This week, we’re redefining what networking actually means, why it doesn’t have to be awkward or transactional, and how to build relationships that genuinely change your life.We unpack:✨ Why your network is your net worth✨ How to start building connections before you need them✨ The rise of modern girl networking, from TikTok to Club Sup✨ Real-life hacks for surviving events solo (and actually enjoying them)✨ What to say instead of “so, what do you do?”✨ How to sustain relationships day-to-day without feeling forcedThis week's episode was jam packed full of recommendations: The ANTI-NetworkClub SupPONNDMode OfficeRolodex MediaDomeButterAnd for things we're So Invested in... Substack on Arrival Fallacy and Episode 1 of the Do You F*cking Mind mini series 🤍Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow).We hope you’re So Invested.

If you could sit down with your 20-year-old self and talk money… what would you say?This week, inspired by Jay Shetty’s viral money lessons, we’re sharing the lessons we wish someone had told us sooner. From wasting cash on fast fashion and staying stuck in scarcity, to ignoring the power of investing early, these are the money mistakes we’d never repeat… and the reframes that actually changed everything.We unpack:✨ Why stacking skills is the best investment you’ll ever make✨ How to find the fun in earning and diversifying your income✨ The underrated value of generosity (even when you feel broke)✨ Why your reputation is worth as much as your salary✨ And the biggest reframe of all: money as a tool, not a status symbolPlus, we put a twist on Rich Girl Habits: the one habit that set us up best over the last decade, and what we’d start today if we were turning 20 again.Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow).We hope you’re So Invested.

Hot take: Dating in 2025 feels less like romance and more like economics...  Inspired by the film Materialists and the conversations it’s sparked, we unpack the financial impact of the dating apps on modern dating: the rise of financial transparency as a new love language, why accidental “ROI thinking” might be killing the vibe, and of course, the "who pays on the first date" etiquette.  And we weigh in on a community dilemma: should you pay someone back for dates if things don’t work out? Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow). We hope you're So Invested.

Buying a home has always been part of the “Australian dream” but in 2025, it feels like the dream looks a little different. Some people are diving into property, others are choosing to rent and invest elsewhere, and a growing number are packing up and moving overseas instead. So, how are people making it work? In this episode, we unpack: Generational shifts in property – why our 30s look so different to our parents’ 30s Investing vs. lifestyle – should your first property be a home or an investment? Long-term planning – the maths of saving for a deposit and what it really takes The Bank of Mum & Dad – 30% of first-home buyers are getting help from parents… so why does it feel so taboo? We also tackle a community dilemma: “Am I the asshole for not wanting my partner’s parents to chip in for our house deposit?” – unpacking the financial, emotional and relational layers of accepting help. Whether you’re a renter, a soft saver, or already on the property ladder, this conversation is about being honest with where you’re at, and giving yourself permission to start exploring the options. This episode is brought to you by ScaleApp - your personalised solution to navigate the property market.  Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow). We hope you're So Invested.  

For our very first Investment Club episode, we’re diving into the book Die With Zero - a money mindset read that challenges the way we think about saving, spending, and what it really means to live well. We unpack the big ideas, including: Why over-saving might just be scarcity in disguise The concept of the “memory dividend” and how experiences compound over time How to smooth your spending across life stages (aka when to enjoy your money vs. when to save it) Why giving earlier - to your kids, your community, or yourself - creates more impact And the simple exercise of mapping “time buckets” so you don’t miss your best years Whether you’ve read the book or not, this episode is your shortcut to the biggest lessons, and how they apply to your own money, career, and choices today. Plus: a life update from our break, and why we started the Investment Club in the first place. Find us on Instagram or TikTok, and if you haven’t already, hit follow in your podcast app (it really helps our small business grow). Find our recommendations from this episode (and previous ones) on Rave!  We hope you're So Invested.