No, you're not locked out of the property market because you drink lattes or take the occasional holiday. The truth? Buying a home today is wildly different to what previous generations faced and the data proves it. In this episode, Jess breaks down what’s really going on with property prices, houses vs apartments, interest rates, and the rent vs buy vs invest decision. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.sph...
Jul 13, 2025•31 min
Think tax time is your golden ticket to financial success? Think again. In this episode, Jess unpacks what employed people can actually claim, what the ATO definitely won't allow (spoiler: no, you can’t claim an engagement ring), and why obsessing over tax deductions might be distracting you from building real wealth. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insu...
Jul 06, 2025•29 min
Jess is back! After a few unexpected health curveballs she's finally back behind the mic and sharing exactly what happened and everything she's learned. This ep is packed with real talk about the financial toll of getting unwell and why you *need* to have a backup plan. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au To organise a...
Jun 29, 2025•34 min
Looking to strike a balance between enjoying life now and reaching your long-term goals? Here's a hot take: keep spending if you want—but consider how it might impact your ability to achieve the life you truly desire. Jess dives into this topic, offering practical tips to help you rein in your spending so you can stay on track for those big life goals. This is a replay from season 1! Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out h...
Jun 22, 2025•46 min
When you're at a crossroads with your money, it's easy to let the anxiety wash over you. But not making any decision is also a decision. In this episode Jess unpacks a listener question around whether it's time to focus on investing in shares OR focus on building a house deposit. This is a replay from season 1! Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted at ht...
Jun 15, 2025•44 min
Keen to narrow down and get focused on some goals? You need this episode stat! Jess shares her method for determining your values and goals so you can move forward with intention. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted at https://skye.com.au To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhous...
Jun 08, 2025•52 min
We've all stumbled when it comes to money, but let's learn from those missteps and strive to sidestep any future financial regrets! In this throwback episode of season 1 Jess shares the most common money mistakes and regrets she's seen with clients. Check out Jess's 2-part investing series below: 102 how to start investing part 1 103 how to start investing part 2 Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehome...
Jun 01, 2025•48 min
Jess unpacks what you need to be on top of in your 40s. It's not too late and there's so much you can be doing to support your financial life now and in the future. This is another top episode from last year! Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted at https://skye.com.au To organise a clarity call chat with Jess, or to check out either The Evergreen Money ...
May 25, 2025•43 min
Let's talk about money in your 30s! Costs are heating up and you're likely hitting some significant life moments. In this popular episode from last year, Jess shares what you need to know to handle the financial side of your 30s well. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted at https://skye.com.au To organise a clarity call chat with Jess, or to check out e...
May 18, 2025•37 min
Missing your regular episodes? Jess jumps on to share why there’s been a short break and to let you know that we’ll be back to normal programming in no time! Hosted on Acast. See acast.com/privacy for more information.
May 11, 2025•3 min
In today's episode Jess tackles your hard hitting questions: My partner and I can't get on the same page about money, any advice? Should we be investing in international shares during a trade war? Should I pay my HELP debt now or wait till after the election? Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au HELP debt reduction and ...
Apr 20, 2025•27 min
In today's chat Jess is joined by Rachelle Kroon from Sphere Home Loans to answer all your burning mortgage questions. From whether to pay off your HELP debt before buying, to what happens to your borrowing power when babies or besties enter the picture, this one’s packed with real talk and strategy. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to ht...
Apr 13, 2025•46 min
Please do not panic. Jess welcomes Glen James to the podcast to discuss what to do when markets get the wobbles. Full episode on YouTube here: https://youtu.be/xHNAhZrtBNE?si=6tpql5SOt7kfwP4r The Quick-Start Guide to Investing (book): https://amzn.to/4iQ9qua ======================================================== Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted at...
Apr 06, 2025•1 hr 3 min
When Anne was diagnosed with stage 4 melanoma, everything changed - physically, emotionally and financially. In this powerful chat, she and Jess talk about the reality of navigating serious illness as a single parent, the role insurance played in giving her options, and the subtle but damaging ways we’re sold the “tanned ideal.” Anne now shares her story to raise awareness about sun safety and challenge the cultural norms that nearly cost her her life. Learn more about Anne's story and work: htt...
Mar 30, 2025•1 hr 9 min
If you've ever felt out of control with money or habits you're not alone. In today's interview, Chris shares his raw and powerful story of quitting alcohol, the financial and personal clarity he gained, and how addictive behaviours show up in our spending. Chris now helps others in his role as Head of Client Engagement at Clean Slate Clinic and is a compassionate advocate for destigmatising substance dependence to remove the barrier for accessing addiction treatment services. Find out more at cl...
Mar 23, 2025•49 min
Worried about all the talk of recessions, tariffs, and market drops? Jess dives into what’s really going on, how to keep a cool head, and what smart investors do during uncertain times. If you're feeling overwhelmed by the news, this one’s for you. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted at https://skye.com.au To organise a clarity call chat with Jess, or ...
Mar 17, 2025•50 min
After International Women’s Day, the cupcakes are gone but the pay gap remains. Natalie Flynn, Founder of equidi, joins Jess to break down the real data behind pay inequality, why it still exists, and what can actually be done to fix it. They cover: 👉🏾 the difference between the gender pay gap and pay equity 👉🏿 how new government data is exposing the truth about wages 👉🏻 the problem with tokenistic corporate gestures 👉 how to use data to advocate for yourself at work 👉🏼 where to look if...
Mar 09, 2025•47 min
In today's episode Tyler shares his money story - growing up, finding safety in Sydney’s LGBTQIA+ community, and the price that comes with it. From expensive rent to the pressure to keep up with events and fashion, Tyler shares how he’s finding balance between belonging and building a secure financial future. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted at http...
Mar 02, 2025•47 min
Want to make your next holiday cheaper and easier? Jess shares her best travel hacks, from scoring flight deals to strategically planning your annual leave to get the best bang for buck. She also shares tips for avoiding hidden costs, packing smarter, and making the most of every trip, whether it’s a weekend away or an overseas adventure. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your per...
Feb 23, 2025•37 min
Want to invest your way to financial freedom? Today Jess breaks down what freedom actually means, the different stages of financial independence, and the numbers behind making it happen. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted at https://skye.com.au To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Gr...
Feb 16, 2025•37 min
It's Jess’s birthday week and she’s celebrating by sharing the five biggest money lessons she wishes she’d learned earlier! From managing cash flow to embracing the power of time, these are the lessons that would’ve saved her money, stress, and a whole lot of regret. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted at https://skye.com.au To organise a clarity call ...
Feb 09, 2025•32 min
Debt doesn’t have to be forever! In this episode, Jess breaks down the steps for how to get out of debt and start building real financial security. From choosing the best repayment strategy (snowball vs avalanche) to understanding your debt personality, this is your game plan for finally taking control of your money. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted...
Feb 02, 2025•51 min
In today’s episode, special guest Jess Ruhfus, founder of Collabasaurus and creator of No.2, shares her key lessons from building and working with successful businesses. She reveals her top marketing tips for 2025, plus advice on navigating the ups and downs of entrepreneurship. Jess also discusses bootstrapping versus seeking investors, her biggest mistake, and the power of brand collaborations. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker...
Jan 26, 2025•52 min
Today on the show Jess shares why most resolutions fail and what to do instead to crush your financial goals in 2025. From her "Goldilocks goals" method to actionable visualisation hacks, you’ll get practical, no-BS strategies for staying on track this year. Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted at https://skye.com.au To organise a clarity call chat with...
Jan 19, 2025•45 min
Start 2025 strong with your ultimate new year financial checklist! Jess breaks down simple, actionable steps to align your money with your values and set yourself up for success. Remember, the best money system is the one that works for you and your brain! Grab Jess's free 2025 financial checklist here Financially Fierce is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Get your personal insurance sorted at https://sky...
Jan 12, 2025•35 min
No new episode this week, so here's one of our top episodes from last year to keep you company. Figuring out your financial priorities can lead to a bit of analysis paralysis so in this episode Jess unpacks how to think through your options and make the right call for you. To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhouse Money Growing Program, click here . We hate email spam so we don’t create it! Sign up to the money money mone...
Jan 05, 2025•40 min
In today's episode Jess gives us a fun peek into her personal spending habits, from guilt-free splurges to the things she’ll never spend a cent on! To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhouse Money Growing Program, click here . We hate email spam so we don’t create it! Sign up to the money money money newsletter to get only the valuable money, careers and property info you need. Have a question or topic for the show? Post i...
Dec 29, 2024•49 min
In 2024 Aussies spent over $10 BILLION on beauty and personal care products, insane!!! In this episode Jess pulls back the curtain on the beauty industry’s sneaky tactics and promises of perfection. She reveals how the industry impacts our wallets, self-worth, and the planet and shares tips to help you reclaim your budget and love the skin you’re in. To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhouse Money Growing Program, click h...
Dec 22, 2024•48 min
What a year it’s been! As 2024 winds down, today’s episode is all about taking a moment to pause, reflect, and make sense of it all - the moments, choices, and lessons that shaped your financial journey this year. Jess will help you celebrate your wins, face the challenges head-on, and set thoughtful intentions for the year ahead. So, grab a drink, your journal, and let’s dive in. To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhouse...
Dec 15, 2024•44 min
Ever heard of core and satellite investing but not sure how it works? In today's episode Jess unpacks this popular strategy, breaking down the basics of building a diversified core portfolio and adding satellite investments for flexibility and growth. To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhouse Money Growing Program, click here . We hate email spam so we don’t create it! Sign up to the money money money newsletter to get on...
Dec 08, 2024•38 min
