Tax Time: 5 Tips To Reduce Tax In Australia Legally
Looking for the best Australian tax tips podcast to get you ready for EOFY? This episode of GET RICH is a must-listen for anyone earning an income in Australia whether you’re employed full-time, have a side hustle, or run your own business. Your host Molly Benjamin, founder of Ladies Finance Club, is joined by Diana Todd, founder of Balance Tax Accountants and one of Australia's most trusted voices on all things tax. Together, they break down how the Australian tax system works and share practical, legal ways to reduce your tax bill, without the stress or confusing jargon. In this EOFY tax tips episode, you’ll learn:✅ The most forgotten tax deductions (and how to make sure you don’t miss them)✅ How to legally pay less tax without getting on the ATO’s radar✅ Side hustle vs hobby: what the ATO actually looks for✅ Sole trader or company: which structure will save you more tax✅ What you can and can’t claim working from home✅ How to reduce capital gains tax on shares or property✅ Why negatively geared properties could boost your refund✅ Medicare Levy vs Medicare Surcharge: how to avoid the extra charge✅ What to do if you haven’t lodged a tax return in years✅ How much to put aside from your side hustle income so you're not caught out If you’re searching for an EOFY podcast episode, ATO tax tips, or how to maximise your tax refund in Australia, this one’s for you. Press play to get savvy, stay compliant, and save money before June 30! Want to know more, join our masterclass here. 💌 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. Are we friends on Instagram? Follow us here. 🙏 A big thank you to our sponsor, InvestorKit! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. 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/ladiesfcSee omnystudio.com/listener for privacy information.
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30:35
How to check performance days and track your super growth in 2025
Superannuation might feel like a “set-and-forget” kind of thing—but ignoring it could cost you tens of thousands in retirement. In this episode, Molly is joined by super expert Gemma Mitchell and Ladies Finance Club member Alana Prick to break down everything you really need to know about whether your super is doing its job. We’re cutting through the jargon to help you:✅ Understand if your super fund is actually performing✅ Know what a “normal” fee looks like (and what’s too much)✅ Get clear on the difference between index vs active investing✅ Learn when and how often you should review your super✅ Figure out the right investment option for your life stage✅ And how to prep your super for retirement—even if it's just around the corner If you’ve had your super on autopilot since your first job, consider this your sign to take a look under the hood. Your future self will thank you! Are you on the countdown to retirement? Join our course now! 💌 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. Are we friends on Instagram? Follow us here. 🙏 A big thank you to our sponsor, InvestorKit! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. 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/ladiesfcSee omnystudio.com/listener for privacy information.
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31:26
HECS HELP Student Debt: Should You Pay It Off or Invest Instead?
If you've ever stared at your HECS-HELP debt and thought, “Should I just pay this off now or use that money to invest instead?” this episode is for you. In this juicy and jargon-free chat, Molly sits down with financial adviser and podcast host Jess Brady to unpack everything you need to know about your student loan (aka HECS or HELP) in 2025. With indexation rates changing and cost of living pressures rising, it’s no wonder more Aussies are wondering if this debt deserves more attention. 💥 Here’s what you’ll learn: What HECS-HELP debt actually is and how it’s calculated Why indexation (that sneaky thing that feels like ‘interest’) can make your debt grow even when you’re making repayments The new changes to HECS indexation and how they might help you When you start paying it back (and how much you'll need to repay based on your income) Whether paying it off early is a smart move -or if your money could work harder for you elsewhere (like investing in shares, saving for a home, or boosting your super) How your HECS debt could impact your home loan borrowing power Strategies for paying it off smarter (especially if you’re a high-income earner or living overseas) Tips on weighing up paying off debt vs investing, and how to align your strategy with your goals Jess also shares real-world examples, a little tough love, and a few clever hacks to help you make the best decision for your future self -whether you want to be debt-free ASAP or grow your wealth over time. 🧠 Whether you're planning to buy a home, go back to study, move overseas or just want to feel more in control of your finances, this episode breaks it all down. 💌 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. Are we friends on Instagram? Follow us here. 🙏 A big thank you to our sponsor, InvestorKit! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. 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/ladiesfcSee omnystudio.com/listener for privacy information.
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16:10
Money & Menopause: What No One Told Us
Money, Menopause, and the Financial Curveballs No One Warns You About Hot flushes? Sure.Mood swings? Maybe.But no one tells you about the career breaks, unexpected medical costs, and retirement gaps that menopause can cause — and how much it can shake up your financial future. In this powerful Get Rich episode with Molly Benjamin and Peita Diamantidis, Financial Freedom Coach & Financial Adviser, we’re lifting the lid on the hidden money impacts of menopause - from navigating income dips and super shortfalls to the real cost of staying healthy during this phase of life. Whether you're already in it, approaching it, or just want to future-proof your finances, this conversation will leave you feeling informed, empowered, and ready to take control. Because when it comes to menopause and money, knowledge isn’t just power — it’s financial security. To grab the course Peita refers to DM her on Instagram here. 💌 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. Are we friends on Instagram? Follow us here. 🙏 A big thank you to our sponsor, InvestorKit! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. 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/ladiesfcSee omnystudio.com/listener for privacy information.
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24:53
Why Your CV Isn’t Getting You Interviews (and How to Fix It)
👀 Looking for a new job or eyeing that promotion? Then it’s time to update your CV—and this is a must-listen episode. We’re joined by CV expert Victoria McLean, who’s reviewed over 250,000 CVs and knows exactly what it takes to stand out in today’s competitive job market. She spills the tea on the top mistakes that get your CV rejected, how to beat the bots scanning your resume, and the best way to talk about career breaks. 🎧 Hit play if you’re ready to land your next role and get rich in the process! Want our 1-hour CV course? You'll learn how to stand out in today's competitive job market with a killer CV/Resume that gets you the interview for the job of your dreams. Check it here. 💌 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. 🙏 A big thank you to our sponsor, InvestorKit! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row. 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/ladiesfcSee omnystudio.com/listener for privacy information.
Welcome to Get Rich by Ladies Finance Club - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.
Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. Hit subscribe and let’s get rich (and stay rich) together.
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