The Pay Off with Sylvia Jeffreys

Boost Juice, Shark Tank and Survivor Australia all have one thing in common… Janine Allis.  She’s the uber successful business mogul with the impressive resume to match, and today, she’s sharing all of her insights on The Pay Off.  In this episode, Janine shares a few unexpected (and unbelievable) travel stories from her 20s, her thoughts on ‘imposter syndrome’ , how Boost Juice went from an idea to a 900-store business and what makes for a successful business pitch.See omnystudio.com/listener for privacy information.

“A Lululemon ambassador and influencer”. That’s how some media outlets described today’s podcast guest, Milly Rose Bannister, earlier this year after she appeared at Parliament House to break down the Federal Budget for young people…  Milly is the founder of the Gen Z mental health charity ALLKND… Funny that this undeniably impressive undertaking didn't get a mention in her introduction or title? (Note: Sarcasm present).  In today’s episode, Milly unpacks her passion for helping young people find their purpose and their people, reducing anxiety and eliminating the loneliness epidemic which has its grip firmly on the younger generation. Milly's Instagram: www.instagram.com/millyrosebannister/ ALLKND's free mental health training: www.allknd.org/goodmatetraining Cause Club volunteering events: www.allknd.org/causeclub Mental health helplines: allknd.org/help See omnystudio.com/listener for privacy information.

Sometimes, the best way to talk about something difficult is to find a way to laugh about it.  That's exactly what my guest today, Mark Humphries, does. He’s a master of using satire to tackle tough topics, from the political arena to the current economic climate. Mark is on The Pay Off to discuss his new documentary, SOLD! Who Broke the Australian Dream?, which looks at the growing housing crisis issue.  In this episode, Mark talks about his personal drive to explore this topic, why it’s not just about buyers but also renters, his advice for anyone pursuing a career in comedy and unheard stories from the Logies.See omnystudio.com/listener for privacy information.

It’s official - were deep in an affordability crisis. So, can someone explain why young people are still paying so much tax and struggling to get a foothold in the housing market? We’re all ears. Cost-of-living pressures are through the roof, homeownership feels out of reach, and "bracket creep" is quietly eroding our hard-earned dollars. Leading the charge for a fairer system is Allegra Spender, the Independent MP for Wentworth. In this episode, Allegra talks about her bold tax reform plan, why she's standing as a 'teal' independent, negative gearing and the controversy surrounding flexible work. See omnystudio.com/listener for privacy information.

Women SHOULD run the world—just ask Queen B.  So, can someone explain why we’re so underrepresented in leadership and key decision making roles? I’ll wait.  The gender pay gap still looms, workplace discrimination remains deeply ingrained, and the boardroom is still missing too many female voices.  Leading the charge for change is Helen McCabe, founder of Future Women. In this episode, Sylvia chats to Helen about how we can empower women to break barriers and create greater gender equality.See omnystudio.com/listener for privacy information.

For many of us, the mid-year slump is creeping in.  It’s that halfway point in the year where the only remedy to your exhaustion is putting on your Out Of Office email and travelling somewhere which won’t completely break the bank.  One woman helping cure those mid-year woes for millions of people is Susan Wheeldon, Airbnb’s Country Manager for Australia & New Zealand.  Susan is a powerhouse businesswoman who’s built an extraordinary career, and in this episode, she’s revealing how you could be sitting on a goldmine inside your own home…  Susan’s here to prove how Airbnb isn’t just giving you the chance to travel to those bucket-list destinations in affordable style, but how hosting could actually help PAY for your next holiday…See omnystudio.com/listener for privacy information.

If you get it, you get it. If you don't, talk to Chris Kohler.  When it comes to complex financial issues, Chris has an unbelievable ability to break it down in a way which ACTUALLY makes sense and cuts through the BS. Today's episode is no different. Chris sits down with Sylvia to talk about the power of "silly" socials, the money lessons his father Alan Kohler taught him, the year's best and worst performing assets, crypto, interest rates, the property ladder, ETFs... The knowledge is endless.  We promise if you hit play on this episode, you won't regret it. See omnystudio.com/listener for privacy information.

What if the secret to building a multi-million brand wasn't about following a grand plan, but just... starting? From navigating the Wild West of early online content creation to bootstrapping her wildly successful fashion label, FAYT, powerhouse entrepreneur Brittney Saunders pulls back the curtain on the REAL hustle. In this episode, Brittney aka. “Just a girl for Newy" opens up leaving school early to pursue a ‘gut feeling’ about entrepreneurship, why she calls BS on companies who don’t stock beyond a Size 12, the daunting process of writing her first book ‘Just Getting Started’ and why you shouldn’t play it in the safe lane.   If you’ve ever wanted to start your own business, or felt like you’ve always been destined for more, make sure you check out this episode. See omnystudio.com/listener for privacy information.

When it comes to questions around money, there’s no shortage of them out there… So this week, we're handing the mic over to YOU. In this special Q&A episode, Australia's most trusted personal finance expert dives deep into the real-world financial dilemmas listeners like you are facing.  From understanding the power of investments to the credit card versus afterpay debate, Effie cuts through the noise with her trademark no-nonsense advice and easy-to-understand explanations.  We’re banking on the fact you’ll walk away from this episode feeling more empowered and confident when it comes to your financial future. See omnystudio.com/listener for privacy information.

"Oh, you're just a little girl with a dream".  Those were the words Sammy Robinson heard after pitching her clothing company idea to a male investor. That company, One Mile, now has two Sydney stores (and growing) and sold out on it's first day of launch back in 2020...  In this episode of The Pay Off, Sammy talks about how she feels being labelled an 'influencer', her early days on social media, building the One Mile brand, being underestimated and why diversifying your income is crucial.See omnystudio.com/listener for privacy information.

Let’s be honest, the thought of tracking every dollar, wrestling with spreadsheets, and saying no to little luxuries? Not exactly thrilling stuff.  What if budgeting wasn’t about restriction though? What if it gave you more freedom, not less?  Enter Jessica Irvine, CommBank’s personal finance guru and perhaps one of the most passionate people about budgeting. In this episode, Jessica proves why budgeting isn’t about cutting back—it’s about taking control.  For more information or to access CommBank's new free Financial Fitness program, visit commbank.com.au/financialfitnessSee omnystudio.com/listener for privacy information.

There’s not much today’s guest can’t do…  You know her as the co-founder of KIC and a woman dedicated to pushing for and promoting the wellbeing of ALL women… And now, she’s taken that passion one (HUGE) step further.  We’re of course talking about the icon herself, Laura Henshaw. In today’s episode, Laura gets candid about what motherhood means to her, why she’s challenging benevolent sexism in her powerful new mini-series ‘Am I Equal?’, the ‘tradwife’ TikTok trend and her overall mission to help women.  See omnystudio.com/listener for privacy information.

Launching a brand isn’t always as glamorous as it seems… I mean, just ask your favourite ‘Gen Z Boss in a Mini’, Rachael Wilde.  The QUEEN of great skin, voluminous hair and million-dollar brand building, Rachael Wilde is the Co-Founder & CMO of tbh skincare and Bouf. If you haven’t heard her name (hello, are you living under a rock?), then there’s a big chance you’ll recognise her face. Rachael’s taken the social media world by storm by pulling back the curtain on EVERYTHING that goes into building a company - from the branding, to the marketing strategy and even the enormity of the backlash.  In today’s episode, Sylvia chats to Rachael about the reality of running multi-million dollar brands in your twenties, why embracing criticism is one of the BEST things you can do and why there’s nothing more empowering than having control of your finances. See omnystudio.com/listener for privacy information.

Investing... It's a hot topic on a lot of people's lips.  What's SO good about investing? How do I even get started? Am I too late to the party?! In today's episode, Sylvia sits down with Alex Vynokur, the Founder and CEO of Betashares (one of the Australia's largest ETF providers and fastest growing asset managers - no biggie).  Alex's personal and professional story isn't just interesting, but inspiring. Having migrated to Australia as a young boy from Ukraine, Alex shares how his childhood helped shape his view on money, that we're all investors (but just don't realise it) and why when it comes to investing "no time is perfect but everyday is perfect"... See omnystudio.com/listener for privacy information.

What if the biggest thing holding you back isn’t your bank balance — it’s your mindset? Dr. Rebecca Ray—clinical psychologist and bestselling author— reveals how money shapes our emotions, fuels our fears, and holds us back.  From financial anxiety to reclaiming control, we’re diving deep into the psychology of money—and how to make it work for you, not against you.See omnystudio.com/listener for privacy information.

Buying your first property is one of life’s most exciting milestones, right?  If you’re looking to buy in Sydney, it will take approximately 6 years if you’re a couple to save a deposit for the median house price… and double that if you’re single. Yep, 12 years.  So, what’s going wrong? When did property become unattainable for so many people? Alice Stolz is Domain’s National Property Editor and the expert on all things housing. From the raging rental crisis, to a market which seemingly only benefits the wealthy, Alice chats to Sylvia about where to invest and why we need to rethink the way we buy property.See omnystudio.com/listener for privacy information.

Is the fashion world really as cutthroat as The Devil Wears Prada? Kellie Hush would know. In this episode, the former Harper’s BAZAAR editor lifts the veil on the fashion world and shares how she flipped her industry insider know-how into The Volte, the designer rental platform turning wardrobes into income streams.  From style to side hustle, Kellie reveals how smart fashion investing can make you serious cash — and why looking good and getting paid don’t have to be mutually exclusive.See omnystudio.com/listener for privacy information.

We’re sold the dream of “having it all” — but for many women, the reality feels like an impossible trade-off. Kids or career? Push through or push pause? Well here’s a little reminder: A woman’s potential doesn’t shrink when she becomes a parent — and it’s time our workplaces reflected that.  Enter Georgie Dent, CEO of The Parenthood.  In this episode, Georgie joins Sylvia to unpack the real cost of having children, why many are choosing to wait or opt out altogether, and the truth about returning to work as a mum. See omnystudio.com/listener for privacy information.

What were you doing at 10 years old? If you’re Chris Brycki, you were already diving into the stock market.  In this episode, Chris shares how his early start in investing led to the creation of Stockspot, a platform designed to make investing smarter and easier for everyone.  From taking big risks to building a business, he explains investing in stocks is one of the best ways to transform your financial future and why “boring is brilliant”.See omnystudio.com/listener for privacy information.

Do you ever look at your bank statement and wonder, “Where is my money going?” Molly Benjamin has been there — a self-proclaimed Hot Financial Mess and Money Magician whose dollars seemed to just disappear.  It all changed with pizza, prosecco, and a lightbulb moment in her living room. Now, she’s the founder of Ladies Finance Club, helping women take control of their cash.  In this episode, Sylvia and Molly talk about breaking money taboos, flipping the script on how powerful women are portrayed in the media, and the mindset shift that could change your financial future.See omnystudio.com/listener for privacy information.

A cocktail in hand, lazing by the pool somewhere in the Tropics, whilst making bank is the life afforded by a side hustle, right? Wrong. Really wrong. Just take it from Anaita Sarkar, theCEO and Founder of Hero Packaging, author of How To Sell Anything Online.   In this episode, Anaita shares with Sylvia her top tips for anyone looking to start a side hustle, the risks she believes are worth taking and the moment her whole world changed right before the work Christmas party…See omnystudio.com/listener for privacy information.

Want to retire early? I mean, it sounds pretty good in theory… But is it actually possible? Plenty of us are chasing financial freedom but without recognising just how important our financial habits are in our 20s, 30s and 40s. One man who knows just how crucial these are is Joel Gibson, a consumer finance expert and the author of Kill Bills and Easy Money.  In this episode, Joel chats to Sylvia about whether we really need to own our own homes, how much super is needed to retire comfortably and why starting early is your best bet at getting ahead.See omnystudio.com/listener for privacy information.

Looking at the state of the economy right now, it’s clear something’s got to change, and change quickly. For plenty of Gen Z and Millennials, they’re left wondering when their hard work is going to actually allow them to get ahead?  One woman advocating for young Aussies is Allegra Spender, the independent MP for Wentworth in Sydney and a leading advocate for economic reform. In today’s episode, Allegra talks candidly with Sylvia about the unfair narrative surround young Aussies and how they spend, how the leaders of this country simply aren't doing enough and the invaluable lessons she learnt from her late mum, Carla Zampatti.See omnystudio.com/listener for privacy information.

Success doesn’t happen by chance—it’s built. It’s not just about making ends meet—it’s about building a life of true financial independence. When it comes to success and financial independence, there’s one man whose name rises above the rest - Mark Bouris.  In this episode, Sylvia sits down with Mark to talk about his business ambitions as a 20-year-old, starting a company during the GFC, how the Packer family changed his life and a heartfelt moment with a flight attendant which highlighted his purpose…See omnystudio.com/listener for privacy information.

Some people know how to command the attention of a room… Meggie Palmer is high on that list.  As the Founder and CEO of PepTalkHer, Meggie is the authority on all things women getting what they want (and deserve) in the world of business and finance.  What does it take to walk into a negotiation with confidence? How do you turn a ‘no’ into a ‘yes’ without backing down? Is compromise a sign of weakness or a strategic win? In this episode, Meggie Palmer joins Sylvia to uncover the art of negotiating—how to read the room, leverage your strengths, and keep your cool under pressure.See omnystudio.com/listener for privacy information.

At this year’s federal election, Gen Z and Millennials will for the first time in history outnumber baby boomers at the pooling booth. So your vote really matters. Should Prime Minister Anthony Albanese be re-elected? In this episode, Sylvia sits down with the Prime Minister to talk about housing affordability, HECS debt, inflation and whether or not he’s “lost his mojo”…See omnystudio.com/listener for privacy information.

Young voters deserve to hear directly from the people who want to shape their future on the issues they care about.   So, should the Opposition Leader Peter Dutton be Australia’s next Prime Minister?  In this episode, Peter Dutton shares with Sylvia his approach on fixing the big issues and why he believes the Prime Minister is “out of his depth”...See omnystudio.com/listener for privacy information.

Money is a constant contradiction. You’ve got to spend money to enjoy life but save every cent for the future.  It’s why Australians are caught between impossible expectations and an economic system that feels stacked against them. So, how do you keep up the juggling act when the stakes just keep getting higher? In The Pay Off Sylvia Jeffreys sits down with leading experts and entrepreneurs to uncover tips and tricks from some of the sharpest business minds in the game. You can listen to The Pay Off wherever you get your podcasts, or you can watch every episode on 9Now, search 'The Pay Off 9Now Podcast'See omnystudio.com/listener for privacy information.