Ladies Finance Club - Get Rich

Do you know what you’d do if Mum or Dad suddenly needed care, and could you afford it? 💛
Most of us don’t think about aged care until it’s thrust upon us, and by then we’re usually making big financial decisions in the middle of a crisis. This week on Get Rich, Molly sits down with Brenda Will, Financial Adviser and Aged Care Specialist at Bruining Partners, to break it all down. There’s no jargon and no overwhelm, just clear, practical guidance for women who are starting to navigate this for their parents or grandparents (and for their own future).
Whether you’ve been avoiding the topic because it feels too big and too sad, you’re not sure where to start, or you’re worried about how much it will really cost, this episode is for you.
In this episode, you’ll learn:
How to bring up the aged care conversation with your parents, and why wills and enduring power of attorney are the easiest way in
The different types of aged care in Australia, from staying at home to retirement villages and residential care
What changed under the new Aged Care Act on 1 November 2025, and why home care now costs more for many people
How long the wait for government-funded support at home really is
What aged care actually costs, from home support through to refundable accommodation deposits
Why you can’t just give your money away to qualify for subsidised care
The biggest shocks Brenda sees families face when care is needed urgently
Why planning early gives your parents more choice, and what to look for in retirement villages and their contracts
Perfect for: Australian women with parents or grandparents who are getting older, anyone who’s about to navigate aged care and doesn’t know where to start, and women who grew up in families where money and ageing were never talked about and want to do things differently.
The biggest takeaway? Planning for aged care isn’t about expecting the worst. It’s about giving the people you love the choices, confidence and say in how they age, before a crisis makes the decisions for them. 🎧

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/

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Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25
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The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]
Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc
See omnystudio.com/listener for privacy information.

How much could a career break really be costing your super and what can you actually do to catch up? 👶
This is the final episode in our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust, and Molly's back with her newest sidekick, baby Amali! This week she sits down with Ruth to unpack five practical ways Aussie women can catch up on their super after time away from work, whether that's for raising kids, caring for elderly parents, or just taking some time out.
Whether you've paused work to look after a family member, took a few years off, or you've come back and have no idea if you're "behind," this episode is for you.
In this episode, you'll learn:
The difference between concessional and non-concessional super contributions, and how much you can add to each
How spouse contribution splitting works and why it's a fairness play, not a tax one
What the government co-contribution scheme is and how it could add up to $500 to your super
How the spouse contribution tax offset works if your partner tops up your account
What the concessional carry-forward rule is and how to use unused caps from previous years
Why checking your fund's fees, performance and whether to consolidate matters just as much as making contributions
Molly's own experience using spouse splitting while on maternity leave
Ruth's advice for anyone who's been avoiding their super altogether
Perfect for: Aussie women returning to work after a career break, mums on maternity leave, anyone who's taken time out to care for family, and women who want simple, no-jargon ways to feel more confident about their super.
The biggest takeaway from this episode? You don't need a huge overhaul, small, consistent moves now can make a massive difference to your super down the track. 🎧
The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.


Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25
Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]
Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc
See omnystudio.com/listener for privacy information.

How does retirement with super actually work, and how do you know when you've got "enough"? In episode 4 of our five-part series helping Aussie women get super at Super, proudly brought to you by Australian Retirement Trust, Molly sits down with superannuation expert Ruth to unpack exactly what happens to your money once you retire, practical answers for women who want to feel in control of their retirement income.
Whether you've been putting off thinking about "what happens next" with your super, aren't sure if you need to notify your fund the moment you retire, or just want to know how much is actually "enough," this episode is for you.
In this episode, you'll learn:
Why you don't have to touch your super the moment you retire, and when it makes sense to leave it invested
The difference between taking a lump sum and setting up an income account (and why most people don't realise they have a choice)
Why your super keeps earning returns even after you retire, and why running out is less common than you'd think
The real tax perks of moving your money into an income account after 60
What "comfortable retirement" actually costs for a single woman vs a couple, in real numbers
How the Age Pension asset and income tests work (and why your home isn't counted)
How to think about your super independently from your partner's, including what happens if you separate or they pass away
Why healthcare and aged care costs deserve a place in your planning, even though they're hard to predict
The biggest mistakes women make with their super at retirement
The single most powerful move you can make if you're 10 years out from retiring
Perfect for: Australian women approaching retirement, anyone who's ever wondered "do I have enough?", and women who want to make sure their super works as hard for them in retirement as it did while they were saving it.
The biggest takeaway from this episode? Your super doesn't stop working for you the day you retire, and there's more flexibility (and more of a safety net) than most women realise. 🎧

The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25
Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]
Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc
See omnystudio.com/listener for privacy information.

If you're a woman in your 50s and you've ever looked at your super and thought, “Is this actually enough?”, this episode is for you
Your 50s can be a bit of a financial wake-up call. Retirement suddenly feels closer, while you might still be supporting grown-up kids, helping ageing parents, paying off the mortgage or recovering from years out of the workforce.
But being behind on super doesn't mean you've missed your chance.
Molly chats with Ruth from Australian Retirement Trust about superannuation for women over 50, including how to catch up, make the most of your remaining working years and feel more confident about retirement.
In this episode, we cover:
💰 How much super you might need for a comfortable retirement
📈 What to do if you're behind on your super at 50
💸 Catch-up contributions and how they work
💰 Salary sacrifice and why small contributions can add up
👩‍👧 How career breaks and raising children can affect women's super
💔 What happens to super during separation or divorce
🏠 How downsizing and inheritances can potentially boost your super
📊 Why your investment timeframe doesn't necessarily end when you retire
🔄 Transition to Retirement and accessing some of your super while still working
🧠 How to stop panicking about your super and start taking action
The biggest message?
It's not too late.
If you've been avoiding your super because you're worried about what you'll find, this conversation is a great place to start.
This episode is part of our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust.
This episode contains general information only and doesn't take into account your personal circumstances. Consider seeking professional financial advice before making decisions about your superannuation.
The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25
Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]
Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc
See omnystudio.com/listener for privacy information.

What is salary sacrificing into super, and could it help you grow your superannuation faster without significantly reducing your take-home pay?
Salary sacrificing into super can sound complicated, and the word “sacrificing” makes it sound like you're giving something up. But salary sacrifice super can be a simple and tax-effective way to make additional superannuation contributions while you're working.
In part two of our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust, Molly sits down with Ruth Weaver, Team Leader, Key Client Education at ART, to explain salary sacrificing into super, how it works, who it can benefit and what you need to know before getting started.
Because understanding your superannuation isn't just about retirement. It's about understanding how super contributions, tax and government incentives can work together to help you build more wealth over time.
In this episode, you'll learn:
What salary sacrificing into super actually means and how it can affect your take-home pay
Why $100 of your salary could become $85 in your super instead of $68 in your bank account
Who salary sacrifice super can work well for, and who may not benefit as much
What high-income and low-income earners need to know about salary sacrificing
How self-employed women can make additional super contributions and potentially claim a tax deduction
What the Australian Government super co-contribution is and how contributing $1,000 could potentially result in up to $500 from the government, depending on eligibility
What the Low Income Super Tax Offset (LISTO) is and who may be eligible
How concessional contribution caps work
How the carry-forward concessional contributions rule could allow you to use unused contribution cap amounts from previous years
How to check your super contribution limits through myGov
Whether salary sacrificing into super locks you into anything, and what happens when you want to change your contributions
If you've ever searched “how does salary sacrificing into super work?”, wondered “is salary sacrifice worth it?”, or simply thought, “I know I should understand my super, but where do I start?”, this episode is for you.
The big takeaway? Salary sacrificing into super doesn't have to mean a huge hit to your take-home pay. Understanding how salary sacrifice, tax and super contribution rules work could help you make more informed decisions about your money today and your retirement savings in the future.
Listen to the episode and learn how salary sacrificing into super works. 🎧

The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25
Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]
Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc
See omnystudio.com/listener for privacy information.