Feeling behind on investing? Wondering if it’s too late, too risky, or just too complicated? In this episode of My Happy Money Journey, I walk you through the exact steps to start investing—no jargon, no pressure. We’ll cover how to choose the right investment types for your age and goals, explain what ETFs, shares, managed funds and index funds actually are, and talk about diversification, risk, and returns.

Whether you’re just getting started or finally ready to make your money work harder than your savings account ever will, this one’s for you.

What You'll Learn:

• Why cash is not king when it comes to long-term wealth

• What a Big Mac can teach you about inflation

• The difference between shares, ETFs, managed funds, and index funds

• How to choose investments based on your time horizon (not your anxiety level)

• What diversification really means (and why you already have more of it than you think)

• How tax works on different investments

• Why you should not check your portfolio every day

• My real-life story of a $10K investment that’s now worth $6K—and why I’m not panicking

Listener Takeaway: You don’t have to be perfect to be profitable—you just have to be curious and willing to start.

Sponsor: This episode is proudly brought to you by Entourage Finance and Property, helping Australians grow their wealth through home loans, property advocacy and car finance. Learn more at entourage.com.au

Disclaimer: The information in this episode is general in nature. For tailored financial advice, please speak with a licensed adviser or financial planner.

Welcome to another episode of My Happy Money Journey with Phoebe Blamey! This week, we're lifting the veil on debt and looking at it in a totally new light. Forget the stories of brown rice and Vegemite as you pay off your mortgage—it's time to rethink the "debt is bad" narrative and use it as a tool for building wealth. 🏡💡

In this episode, Phoebe dives into:

• The Real Cost of Debt: Understanding the difference between good and bad debt

• Using Debt to Build Wealth: How leveraging debt for assets and investments can work for you

• Impulse vs Strategy: Why focusing on long-term wealth creation is better than reacting to short-term desires

• Home Loans & Car Loans: How strategic debt can create freedom and peace of mind

• Smart Money Moves: The benefits of investing, leveraging property, and using debt as part of your wealth-building strategy

Phoebe also shares real-life examples of how using debt wisely can change your financial outlook, and why it's crucial to focus on strategic debt over knee-jerk reactions like impulse buying.

So, let's stop feeling guilty about having debt and start thinking about how to use it to level up in life.

Resources Mentioned:

• The Motley Fool article

  https://www.fool.com.au/2024/12/02/heres-the-average-asx-stock-market-return-over-the-last-10-years-and-what-it-means-for-the-next-10-years/

Previous episodes on getting debt-free without losing joy, and shifting your mindset around debt#money #moneymindset #debtfree #womenandmoney #wealth #wealthcreation #makemoremoney

🔗 Links:

• Motley Fool article

• Getting Debt-Free Without Losing Your Joy

• Shifting Your Mindset Around Debt

• More on Investment Types & Strategy Coming Soon!

Bruised

💥 Episode Summary: If you’ve ever felt like money just slips through your fingers... or worse, like you’re not meant to be wealthy — this episode is for you.

Phoebe gets real about the emotional side of money — the stuff no spreadsheet can fix. We’re diving deep into the four core money wounds that quietly shape the way women save, spend, and sabotage their finances:

• The Safety Wound: when you save obsessively but never feel secure

• The Worth Wound: when you overgive or undercharge because you don’t feel “ready”

• The Avoidance Wound: when you ignore money entirely (but call it being too busy)

• The Neglect Wound: when no one ever taught you how to build wealth — and now you don’t know where to start

This is your wake-up call and warm hug rolled into one. You’ll leave with a deeper understanding of what’s been blocking your money journey — and a practical first step to start healing it.

✨ In this episode, Phoebe covers:

• Why traditional financial advice falls short for most women

• The origin story behind each money wound (and how to spot yours)

• Relatable examples that will make you say “Oh my god, that’s me”

• One powerful, doable action step for each wound to start your healing today

• How healing your money wounds unlocks true financial freedom — on your terms

🔗 Resources & Links:

• Grab the free workbook: My Mindful Money Journey

• Join the 30-Day Spend Cleanse: Click here

• 🧠 Quote to remember:

“You are not bad with money. You are a woman healing. And healed women build wealth.”

💬 Love this episode? Leave a review on Apple Podcasts or share this episode with a friend who’s ready to stop avoiding their bank balance and start owning their financial power.