Uncensored Money

After more than a decade, 6,000+ women and many of their partners, and more financial transformations than we can count, Mel is closing the My Financial Adulting Plan. For good. 
Yes, she's closing rather than selling her continuing her 7 figure business. 
You might think she's crazy (she does a little too, that's OK.) 
But in this episode, Lawsie turns the microphone around and asks Mel the questions everyone has been too polite to ask. Why? What did it cost her personally to keep going? Was there a moment she almost changed her mind? And what does she hope the 6,000+ women who've been through MFAP actually walk away with? 
This is an honest, unscripted conversation between two people who built something together and are figuring out in real time what it means to close it. No sales script. No polished answers. Just Mel and Lawsie the way you love them. 
If MFAP has ever been on your radar, there are two rounds left. This conversation is the best reason to stop waiting. You can check out MFAP here: https://www.melissabrowne.com.au/financialadulting  
For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected]. 

Links mentioned in the episode are below
My Financial Adulting Plan can be found at  melissabrowne.com.au/financialadulting 

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

Last night's Federal Budget made a splash — but did it go far enough? In this episode, Mel gives you her unfiltered take on the 2026/27 Budget and walks you through exactly what's changing, who's affected, and what (if anything) you actually need to do about it. 

No political spin. No media clickbait. Just plain-English answers from someone who's spent 25 years in accounting and financial education. 

In this episode, Mel covers: 

Her honest take on the Budget — and why she thinks Labor stumbled on the biggest reform opportunity 


The Working Australians Tax Offset and the lifted $1,000 receipt-free deduction threshold 


Negative gearing changes for established properties — who's affected, who isn't, and the critical timeline 


The new build exemption and why Mel has thoughts 


Capital Gains Tax explained through Maxine's story — a worked example showing how the 50% discount, indexation, and the new minimum 30% tax rule all fit together 


What happens to pre-1985 assets (this one matters for older investors) 


The crackdown on discretionary trusts and income splitting 


Small business wins — including the permanent $20,000 instant asset write-off and loss carry-back rules 


The NDIS overhaul and what it means for 160,000 Australians 


Support changes for young people at risk of homelessness 


Mel's action list — five things to actually do with this information 


This podcast contains general information only and does not take into account your personal circumstances, objectives or needs. Please speak to a licensed financial adviser, accountant, or tax professional before making any financial decisions based on the content of this episode. 

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected]. 
Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

After more than a decade, 6,000+ women and many of their partners, and more financial transformations than we can count, Mel is closing the My Financial Adulting Plan. For good. 
Yes, she's closing rather than selling her continuing her 7 figure business. 
You might think she's crazy (she does a little too, that's OK.) 
But in this episode, Lawsie turns the microphone around and asks Mel the questions everyone has been too polite to ask. Why? What did it cost her personally to keep going? Was there a moment she almost changed her mind? And what does she hope the 6,000+ women who've been through MFAP actually walk away with? 
This is an honest, unscripted conversation between two people who built something together and are figuring out in real time what it means to close it. No sales script. No polished answers. Just Mel and Lawsie the way you love them. 
If MFAP has ever been on your radar, there are two rounds left. This conversation is the best reason to stop waiting. You can check out MFAP here: https://www.melissabrowne.com.au/financialadulting  
For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected]. 

Links mentioned in the episode are below
My Financial Adulting Plan can be found at  melissabrowne.com.au/financialadulting 

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

If it feels like everything is getting more expensive right now… you're not imagining it. 
Petrol prices are rising. 
Inflation is back in the headlines. 
Interest rates may move again. 
And share markets are bouncing around. 
Add global uncertainty into the mix and it's no wonder so many people are feeling nervous about their finances. 
In this episode, Mel talk through what's actually going on and more importantly, what you can do about it. 
This isn't about panic or drastic changes. 
It's about coming back to the fundamentals and building a strategy that works no matter what's happening in the economy. 
For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected]. 

Links mentioned in the episode are below
Find $10K in 12 Months Freebie can be found at  melissabrowne.com.au/find$10kin12months 
Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.

If you're in your 50s and thinking it might be "too late" to change your financial future, this episode is for you. 

In this Gen X edition of the series, Mel shares what she would do differently if she was turning 50 again when it comes to money, investing and financial independence. 

Because while time matters, strategy matters more. 

Too many women in their 50s are focused solely on paying off the mortgage, assuming investing is over, or avoiding the uncomfortable question of "how much do I actually need?" 

This episode is about replacing wishful thinking with clarity and making the next decade financially powerful. 

We cover why your home is an asset but not necessarily a retirement plan, why knowing your "number" matters more than ever, and how to find more cash without working yourself into the ground. 

If you're Gen X, consider this your financial pep talk. 

Because we've adapted before and we can absolutely do it again. 

In This Episode, We Discuss 

• Why focusing only on paying off the mortgage can limit your retirement strategy • The difference between assets and investments • Why knowing your retirement "number" matters in your 50s • How to find more cash and create more financial choice • Why investing is not "over" just because you're in your 50s • Using superannuation and investing strategically in this stage of life • Rethinking housing options including downsizing, rentvesting or alternative living arrangements • Why financial literacy becomes even more important for women as we age 

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected]. 

Links mentioned in the episode are below
My Financial Adulting Plan can be found at  melissabrowne.com.au/financialadulting 

Find $10K in 12 Months Freebie can be found at  melissabrowne.com.au/find$10kin12months 
Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.