The Pay Off with Sylvia Jeffreys

From the high-stakes pressure of Silicon Valley’s dot-com boom to leading one of Australia's largest telecommunications giants through a national crisis, Kelly Bayer Rosmarin has navigated a career defined by massive shifts and "deep end" learning. In this insightful episode, the former Optus CEO joins Sylvia to discuss her new chapter as the head of Australian Unity and the hard-won lessons she’s gathered along the way.See omnystudio.com/listener for privacy information.

How more Australians can enter into the property market - how they can have dignified, secure housing that delivers good capital growth - is the multi-million dollar question.And it's one that Evan Thornley might have an answer to. In this episode, the tech pioneer, founder of LongView and co-founder of GoodStart, argues that while the system is fundamentally broken, there is a data-driven path to home ownership that is easier to access and better long term than the traditional means of being indebted to a bank.  In this episode, you’ll learn: Why the family home remains the "single best investment in the history of the world" How analyzing 50 years of data across 11 million properties helps identify the specific types of homes that consistently outperform the market The potential held by shared equity and housing funds Evan's personal journey from a single-parent family to Silicon Valley success, why he’s now dedicated to fixing the housing ladder for the next generation and his own biggest lessons See omnystudio.com/listener for privacy information.

Sylvia sits down with Alice Stoltz from Domain—often called the "walking encyclopedia" of Australian real estate—to cut through the headlines and give you the data-driven truth about what’s happening right now. If you’ve been feeling "handcuffed" by interest rates or worried about the "choppy" nature of recent auctions, this is for you. In this episode: Which segment of the market is feeling the heat and what it signals for the rest of us. Why 1950s brick homes are becoming the gold standard for savvy long-term buyers. Which parts of the country hold the real value lies for families right now. What is affecting consumer confidence and how it's showing up at auctions Is it time to return to the "old fashioned" view of property? See omnystudio.com/listener for privacy information.

At 15, all Matt Moran knew is that he didn't want to be in school anymore. At 22, he had his first restaurant. And now, he has a name synonymous with success and excellence.  Matt opens up about his humble beginnings, the reality of the high-pressure world of professional kitchens, and just how far a desire to work, to learn, to ask the right questions, to trust the right people - and above all to become obsessed - can take you.See omnystudio.com/listener for privacy information.

Experts are calling this the worst fuel crisis in history.And despite petrol station closures and record costs to fill the tank, there are some effects that are still yet to be seen. Expert economist Evan Lucas helps break down exactly we could expect - the products we might see disappear from our supermarkets and stores, the downstream effects of $4+ per litre, how it could change policy and behaviour for good, and the situation's spooky similarities to what we saw during COVID. See omnystudio.com/listener for privacy information.

In our teens, most of us are figuring out our laundry. But Andrea Horwood was launching a magazine that would define a generation: Australian Style. And she hasn't stopped since then. Andrea is the ultimate serial entrepreneur: from that legendary magazine to creating the Australian summer staple, Invisible Zinc, and the globally successful wellness brand, WelleCo. Andrea has an insider's perspective on what it takes succeed again and again - using research, finding potential, pioneering impactful new products and doing it all in a way you can be proud of.See omnystudio.com/listener for privacy information.

Amidst the potential for unprecedented prices at the bowser and the checkout and likely increases to interest rates, Nine News Money Editor and consumer champion Effie Zahos tells us everything we need to know to stay financial afloat. See omnystudio.com/listener for privacy information.

Asher Keddie is, without a doubt, one of Australia's most loved actors - a title earned by many relatable and heartfelt roles. But the time in her career that feels most powerful and rewarding is happening now.  In this conversation, she tells Sylvia: How she learned about life on set Pivoting roles, backing yourself and finding a voice Going into a business partnership that is meaningful to her The power of giving back Proving those who doubt wrong  See omnystudio.com/listener for privacy information.

With actions in the Middle East wiping billions from the market and from super, what are the crucial things we should (or shouldn't) be doing right now? Chris Brycki, founder and CEO of Stockspot breaks it all down, including what is causing the volatility, how long it's likely to last, the biggest mistakes to make sure you avoid, as well as the potential opportunities that exist at this moment. See omnystudio.com/listener for privacy information.

The panic you feel when checking your bank balance? The cycle of overspending or over-saving? It's not just about numbers—it's about the deep, unconscious money scripts running your life. Dr. Shefali Tsabary, the clinical psychologist, New York Times best-selling author, and revolutionary thinker famously endorsed by Oprah joins The Pay Off to talk about our approach to money.  Dr. Shefali shares how the ego dictates our decisions around debt, spending, and saving, how to conquer the paralysis of financial fear and how the emotional legacies of our childhoods shape our bank accounts today.See omnystudio.com/listener for privacy information.

Melissa Browne, author and financial expert, knows what it takes to build wealth as a woman on her own. But in the process, she encountered some barriers and obstacles that not only took her by surprise, but illuminated an insidious systemic problem faced by nearly all women. Mel not only shares her raw powerful and personal story, but the exact methods and actions she took to rebuild her wealth. She also talks about: why the financial world wasn't built with women in mind how gendered language and ideas still create roadblocks what true wealth really means the unseen costs of menopause a better kind of 'girl math' Find more from Mel, including her new book Dare to be Wealthy, hereSee omnystudio.com/listener for privacy information.

How do you win an Olympic medal when you’re locked in a dark room with a concussion? In this powerful and raw chat, one of our most successful Winter Olympians of all time discusses what it took to reach the summit of her sport, the challenges she overcame, the power of belief, the thing that was even harder than competition (that she’s even more proud of) and a confession of what her own lack of financial literacy cost her.See omnystudio.com/listener for privacy information.