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Her Money Matters

Her Money Matters

Written by: Naomi Holmes
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About this listen

 Her Money Matters is the podcast helping women take ownership of their money and shape the future they want. Hosted by Naomi Holmes, a Financial Educator and coach with over 27 years in the industry, this show is about helping women understand their financial position through education, clear guidance, and trusted insights from a community of experts. We’ll talk about everything from investing and super, to caring for parents and helping your kids financially, paying down debt, leaving a legacy, navigating death and divorce, and what’s holding you back when it comes to money. Through expert insights and personal reflections, you’ll get the information we were never taught in school - but should have. New episodes drop each week. So, tune in and hit subscribe and start building the financial future you truly own. Because... Your Money Matters.Copyright 2025 All rights reserved. Economics Personal Finance
Episodes
  • 35 Divorce and Money: What Documents You Need for Financial Disclosure and What to Do if Your Ex-Partner Isn’t Fully Disclosing

    35 Divorce and Money: What Documents You Need for Financial Disclosure and What to Do if Your Ex-Partner Isn’t Fully Disclosing
    Feb 3 2026
    Separation and divorce are emotionally demanding, but for many women it’s the financial side that can be the most confronting. When stepping into the separation process, there is so much emotion and so much to consider. Throw on top of that being asked to gather documents, understand financial disclosure, work with family lawyers, and make decisions that can shape your future - it is an incredibly challenging time. To help understand what is needed, Naomi is joined by Julie Garis, Chartered Accountant, Forensic Accountant and Founder of Simple Split Financials, to unpack the financial realities of divorce. In this episode, we cover:
    • What financial disclosure really means in a divorce
    • The key documents you need to gather and why they matter
    • What forensic accounting is and when it is needed
    • How missing or incomplete disclosure is identified
    We also discuss how Julie works alongside family lawyers, why financial and legal roles are different but complementary, and how the right support team can make this process feel more manageable. If you know anyone who could benefit from this information, please consider sharing it with someone in your world — a sister, mother, daughter, friend, or colleague — who may be facing separation or divorce and could benefit from hearing this conversation.
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    56 mins
  • 34 How Australian Super Funds Performed in 2025 - and Why Learning to 'Love Your Super' Will Help You Pay Attention

    34 How Australian Super Funds Performed in 2025 - and Why Learning to 'Love Your Super' Will Help You Pay Attention
    Feb 1 2026

    In this episode of the Her Money Matters podcast, Naomi and Helene introduce the Love Your Super series — designed to help you think about super based on your life story, and to try and imagine that your super fund is your best friend that follows your through life.

    In this theme, we explore the anthem of You're My Best Friend by Queen as our Pop Culture Reference, we really focus on your life timeline and that super has travelled with you through different jobs, employers, and stages. We also cover why learning to love your super helps you make sense of market ups and downs, including 2025’s super fund returns.

    Naomi breaks down actual calendar-year performance, explaining how balanced super funds are designed to perform across market cycles, and why one negative year doesn’t mean something has gone wrong but it is a reason to check in with your fund. Helene then leads a conversation on the psychology of trust and money, and how feeling safe and connected leads to better financial decisions.

    To support practical action and to provide a simple tool to help uncover what’s really driving your money behaviours, Helene introduces the De Martini Benefits and Drawbacks exercise which you can find here:

    We provide a risk profile tool to help you determine how much of your super fund you should have in growth assets versus defensive assets which you can find here:

    In this episode we cover:

    • Helping you to connect to your super fund and see it as a reflection of your life

    • The actual 2025 super fund returns for Australian shares and Balanced funds

    • The Top 5 performing balanced super funds in 2025

    • The top 5 performing balanced super funds over the past 10 years

    • Why it matters and the difference in performance in actual returns on a balance of $100k over 5 years
    The Loving Kick Up the Bum

    Check in on your super like you would a trusted friend. Open your super app, review your 2025 performance, and get familiar as this will be one of the best things you can do to help the Future You. If you need help reading your statement, head back to Episode 21 or reach out to either Naomi or Helene if you need more help.
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    53 mins
  • 33 The Ageing Journey: A Guide for Daughters Supporting Their Parents Before and into Aged Care

    33 The Ageing Journey: A Guide for Daughters Supporting Their Parents Before and into Aged Care
    Jan 27 2026
    In this episode I’m joined by Brenda Will, a Financial Adviser and Aged Care Specialist from Bruining Partners, who works with families navigating aged care decisions every day. In our discussion, we focus on the role daughters so often play as parents age, and what the ageing journey typically looks like from your perspective. Statistically, women make up the majority of carers in Australia, most commonly in their late 40s and 50s, and very often it is the eldest daughter who steps into this role by default. To ground the conversation, we reflect on The Notebook — a story often remembered as a great romance, but one that also shows the later-in-life reality of ageing, dementia and long-term devotion. It’s a powerful reminder that love doesn’t stop at romance; over time, it often turns into responsibility, advocacy and presence. Together, we walk through the typical ageing journey — from independence in the early 70s, through increasing support needs, to more complex care decisions later in life — and explore how a daughter’s role often evolves at each stage. We talk openly about the time commitment, emotional weight and mental load this role can carry, and why planning early matters not just for your parents, but for your own wellbeing too. In this episode, we cover:
    • Why daughters so often become the default carers for ageing parents
    • What the ageing journey typically looks like from your 70s through to later life
    • How care responsibilities increase over time
    • The emotional and time burden many daughters carry
    • When and why getting professional support can make a meaningful difference
    If this episode strikes a chord and you are either going to be or are already involved in caring for your parents, consider which stage of the ageing journey they’re currently in, what support feels realistic for you right now, and where you might need guidance. If you’re starting to feel unsure or stretched, reaching out for help early can ease both the emotional and practical load. Brenda’s details are included below if you’d like support navigating aged care decisions. https://bruiningpartners.com.au/our_team/brenda-will/
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    1 hr and 13 mins
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