The Money Brew

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The Money Brew Money talk, minus the mansplaining. Weโ€™re not here for shame spirals or financial jargon that sounds like a bad w**e list.

At The Money Brew, we help women unpack their money stories and rewrite them with clarity, courage and a dash of caffeine.

Anthony turned 60 on the weekend, so we threw him a 60s party. His 87-year-old mum was the life of it. Fringe vest, flar...
12/10/2026

Anthony turned 60 on the weekend, so we threw him a 60s party. His 87-year-old mum was the life of it. Fringe vest, flares, peace sign. Full commitment.

She and Anthony's late dad came to Australia from Gozo, in Malta, when they were newly married. No money. Just a dream. They worked hard their entire lives.

I grew up in housing commission with my aunt. I wasn't given the support or the education I deserved.

Then I married into this family. And Anthony's mum has been better to me than my own aunt.

Watching her that night got me thinking about the people who shape us. Mostly they do it just by the way they live.

Who's influenced the way you live? Tell me about them below.

23/09/2026

I built systems for years. None of them stuck.

Because I'd never looked at how I actually thought about money. I'd never planned for a future either. I'd spent my whole life surviving the present.

Money has three layers. How you think about it. How you manage it. How you plan for it.

Most of us only ever do the middle one, because that's the layer with the apps and the spreadsheets. Then we wonder why it falls over by March.

All three together is the only thing I've ever seen make a woman feel genuinely calm about money.

That's why I teach them in that order. Mindset first, always.

Comment KIT for the free starter kit.

General information only. Not personal financial advice.

You earn good money. You're not reckless. And somehow there's still nothing to show for it.It's rarely the big stuff. It...
20/09/2026

You earn good money. You're not reckless. And somehow there's still nothing to show for it.

It's rarely the big stuff. It's the $80 here and $140 there that nobody decided on, it just happened on the way home.

Number 6 is the one that stings. Knowing what's left changes every other decision.

Save this for the next time you're standing at the counter โ˜•

And if you want to go further than the seven questions, comment KIT and I'll send you my free Brew Your Money Story starter kit.

16/09/2026

You're not bad with money. You're running a money story you didn't write.

Most of what you believe about money was set before you turned ten. You didn't sit down and choose it. You absorbed it.

The tone in the kitchen when a bill arrived. Whether money got talked about at all. Who handled it, and who wasn't allowed to.

Mine was that we didn't talk about money. I carried that straight into a career in finance, while sitting on a pile of debt I'd told nobody about.

Here's why it matters. The story fires before the logic does. So you can know exactly what you should do and still not do it.

That's not weakness. That's the story doing its job.

You can change it. But you have to hear it first.

Comment KIT and I'll send you the free starter kit.

General information only. Not personal financial advice.

I didn't learn about money at a dinner table. I learned it by watching what happens when there isn't any. ๐Ÿ‘‡I grew up in ...
14/09/2026

I didn't learn about money at a dinner table. I learned it by watching what happens when there isn't any. ๐Ÿ‘‡

I grew up in housing commission. Money was tight, and it was tense, and nobody explained any of it. You just felt it.

People sometimes ask why I bring that up. Not for sympathy. I'm doing fine now, and this isn't a sob story.

It's because it's the whole reason The Money Brew is built the way it is. Judgement-free. No jargon. No assuming you already know things nobody ever taught you.

I know what it feels like to think everyone got a manual you missed. You didn't miss it. Most of us never got one.

So wherever you're starting from with money, that's fine. That's exactly where we start. ๐Ÿ’›

General info only, not personal advice.

Coco has reviewed the household budget and she has notes.Her position is that the food line is underfunded and everythin...
13/09/2026

Coco has reviewed the household budget and she has notes.

Her position is that the food line is underfunded and everything else is negotiable. She has held this position for four years and has never once been talked out of it.

Honestly, there's something in it. She knows exactly what she values and she funds it without apology, without guilt, and without a spreadsheet.

Most of us do it the other way round. We fund everything else first, then feel bad about the flat white.

Anyway. That's the Sunday thought. Pat something. โ˜•

Comment KIT if you want the free starter kit. Coco is not on commission.

If someone handed you an extra $44 a week, what would it actually fix?That's the question sitting under One Nation's sup...
11/09/2026

If someone handed you an extra $44 a week, what would it actually fix?

That's the question sitting under One Nation's super proposal, and it's the one I keep coming back to.

The idea: if you're paying rent or a mortgage, your fund gives you 3% of your super contributions as cash instead of putting it away. Up to three years. Your existing balance isn't touched and your employer still pays the full 12%.

On $90,500 a year, that's about $2,300. Around $44 a week.

Now the other end of it. AMP modelled a 30-year-old earning $108,000. They'd take home $8,557 over the three years and retire with about $91,000 less.

So. Is $44 a week enough to actually change your situation? Not take the edge off. Change it.

Because if it isn't, that's a very big price for a small amount of relief.

And I want to be fair here, because I know how this sounds from someone who works in financial services. For some women $44 a week is the difference between covering the rent and not. I grew up in a house where it would have mattered enormously. I'm not going to pretend it's nothing.

But $8,557 spread over three years works out to roughly twelve weeks of median rent. It's a bridge, and a short one, and you're paying for it with about eleven times as much later.

None of this is law yet. It's an announcement, not a bill. Which makes right now a good time to think about it, rather than in a hurry when there's a form in front of you. โ˜•

Sources: AMP modelling and figures reported by The Senior, 7 September 2026. ABC News, 7 September 2026.

General info only, not personal advice. Your situation is yours, so have a chat with a licensed financial adviser about it.

10/09/2026

You open the app and you don't flinch.

Not because the number's big. Because you already know what's in there and why.

That's the goal. Not rich. Not clever with spreadsheets. Calm.

Calm is standing at the checkout knowing whether you can say yes, instead of opening your phone and quietly doing sums.

Calm is someone asking about your super and you actually have an answer.

That's the whole thing. And it's closer than you think.

Comment KIT and I'll send you the free starter kit.

General information only. Not personal financial advice.

You saw the headline. $1.25 million in super. You did the sums in your head, felt a bit ill, and kept scrolling.That's f...
09/09/2026

You saw the headline. $1.25 million in super. You did the sums in your head, felt a bit ill, and kept scrolling.

That's from an MLC survey this week. Around a third of Australians are aiming for more than $1.25 million, which MLC has cheerfully branded a "ch*****ne retirement". Overseas trips, clinking glasses, the lot.

What the headline skips: most of the women I talk to couldn't tell you what's in their super right now. Not out of carelessness. Logging in feels like stepping on the scales after a big weekend, so it just doesn't happen.

So the number does its job. You feel behind before you've even looked.

For context, ASFA reckons the average Australian needs around $55,900 a year on their own, or $78,566 as a couple. Still not small. But a very different conversation to a million-dollar ch*****ne fantasy.

Your number depends on your rent or mortgage, your health, whether you want cruises or a caravan, and who's sitting next to you.

Nearly every woman who finally checks tells me the same thing. The number was less frightening than the not knowing.

So that's your one job this week. Log in. Look. Close the app. Done.

Source: MLC retirement survey of 2,500 Australians, September 2026, as reported by AAP: https://www.superreview.com.au/third-of-aussies-targeting-ch*****ne-retirement-of-1-2m-in-super ASFA Retirement Standard, March 2026.

Tell me honestly, when did you last check your super? No judgement in this comment section.

General information only, not personal advice.

The most common question in my inbox isn't about investing. It's "where do I even start?" ๐Ÿ‘‡And I get why. When money fee...
05/09/2026

The most common question in my inbox isn't about investing. It's "where do I even start?" ๐Ÿ‘‡

And I get why. When money feels like a mess, "start" feels like a mountain.

But the answer isn't another budgeting app. Not yet.

It's understanding your money story first. The stuff you soaked up growing up about spending, saving, whether there was ever enough, what money meant in your house.

Because once you can see where your habits came from, they stop feeling like flaws. They start making sense. And things that make sense are a lot easier to change.

So before you download anything, get curious about your own history with money. That's the real starting line.

If you want a gentle way in, the free kit walks you through exactly that. Link's in my bio. ๐Ÿ’›

General info only, not personal advice.

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The Ponds, NSW

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