Why are so many smart women still struggling with money?

Ep. 37 How to Build a Million-Dollar Retirement Without Hustling Harder with Kieran Menzie

Most people think retirement is something you figure out later.That mindset could be costing you hundreds of thousands of dollars. In this episode of the RichHer Podcast, Sarah Coombes sits down with financial advisor Kieran Menzie to unpack the truth about superannuation, wealth building, and the hidden tax advantages most Australians completely overlook. Because here’s the reality: the difference between retiring stressed and retiring wealthy often comes down to the financial decisions you make in your 30s and 40s — not your income level. Kieran breaks down why so many Australians misunderstand super, the expensive mistakes people make when they ignore it, and how simple weekly contributions can quietly build serious long-term wealth. He also explains why emotional investing during market downturns destroys wealth for everyday people — and what financially successful people do instead. Inside this episode:• The super mistakes costing Australians thousands in lost retirement wealth• How to legally build wealth in one of the most tax-effective systems available• Why investing just small amounts early can snowball into massive long-term gains• The difference between wealth strategies in your 30s, 40s, and 50s• The biggest myths stopping people from taking super seriously• How market downturns actually create opportunities for long-term investors• Why waiting “until later” to think about retirement could seriously impact your future freedom• The mindset shift wealthy people have around retirement planning and long-term investing Kieran shares practical, no-jargon advice that makes retirement planning feel less overwhelming and far more achievable — whether you’re just starting out or trying to catch up later in life. If you’ve ever wondered:“Am I doing enough for retirement?”“Why does nobody actually teach this stuff?”“How do wealthy people legally reduce tax while building long-term wealth?”— this episode is for you. About the Guest:Kieran Menzie is a certified financial planner at Financial Foundations Australia, known for helping Australians simplify superannuation, build long-term wealth, and make smarter financial decisions without fear or confusion. Disclaimer:This podcast episode is intended for educational and entertainment purposes only and should not be considered financial, legal, or tax advice. Please seek independent professional advice relevant to your personal circumstances before making financial decisions. 🎙 RichHer Podcast — For Women Who Want More.New episodes weekly on Spotify and Apple Podcasts.

Not all Mothers are Toxic - Some are the Blueprint.

We hear a lot about the mothers who got it wrong. The absent ones. The toxic ones. The ones people are healing from. But what about the mothers who showed up? The ones who loved deeply. Who created safe homes. Who balanced family, work, friendships, and somehow made it all feel steady. This episode is for them. Because great mothers don’t always get the air time they deserve. In this episode, I share the lessons my mum taught me — not through lectures, but through how she lived. From choosing family over career pressure… To showing me that rest isn’t earned, it’s deserved… To teaching me when to speak — and when to walk away… This is about the kind of woman who shapes generations. And maybe… it’ll make you stop and think about the women who shaped you too. Because if we’re going to talk about motherhood — Let’s start giving the great ones the credit they deserve. Happy Birthday Yvonny - you're one of a kind old gal.

How to Change Your Financial Future in 12 Months | Money Planning & Wealth Building for Women With Ashley Lee

Are you earning good money but still feel broke? Struggling with budgeting, saving, or keeping up with rising costs? In this episode of the RichHer Podcast, Sarah Coombes sits down with money coach Ashley Lee (Founder of Her Money Mastery) to break down the real reason so many women feel stuck financially—and how to fix it. This is a powerful conversation about the importance of financial planning, building strong money habits, and escaping the pressure of “keeping up with the Joneses.” If you’ve ever felt like you’re doing everything right but still not getting ahead, this episode will show you exactly how to reset your money strategy and change your financial future in the next 12 months. In this episode, we cover: • How to create a financial plan that actually works • Why budgeting alone isn’t enough to build wealth • The truth about lifestyle creep and overspending • How to stop living paycheck to paycheck • Essential money skills every woman should know (saving, debt payoff, investing basics) • How to build wealth without burnout or restriction • Practical steps to improve your financial situation in 12 months This episode is perfect for women who want to take control of their money, reduce financial stress, and start building long-term wealth with confidence. Keywords: financial planning for women, how to budget money, money mindset for women, wealth building strategies, how to save money fast, paying off debt, investing for beginners, personal finance podcast, how to stop living paycheck to paycheck, money habits for success, financial freedom for women About Ashley:Ashley Lee is a money coach and founder of Her Money Mastery, a coaching business that empowers women to take control of their money and build wealth. With a focus on mindset, lifestyle-based budgeting, saving, debt payoff, and investing, Ashley helps women break free from the paycheck-to-paycheck cycle and achieve financial security. Her Money Mastery’s mission is to make money knowledge accessible and achievable for women around the world. About your host: Our host, Sarah Coombes, is a wife, mum of 3, an educator… and now a multimillionaire. But a few years ago? She took a $50K pay cut… moved 15 times in 12 months with two babies… and had two weeks to find $110K. So no—this isn’t theory. This is experience. Sarah built her wealth from survival mode—and now she helps women do it smarter because one income isn’t safe anymore… and burnout isn’t the price of success. Disclaimer: This podcast is for educational and informational purposes only and does not constitute financial advice. Always do your own research and seek professional advice before making financial decisions.

Why are so many smart women still struggling with money?

Most women aren’t bad with money — they’ve just never been taught how the game actually works. In this episode, I sit down with Rachel Covert, who reached financial independence in her 30s and now helps women build wealth without strict budgets or shame. We talk about the money myths keeping smart women stuck, the red flags in your money mindset, and why earning more alone won’t fix the problem. If you’ve ever felt behind financially, this conversation might completely change the way you think about money. Money Coach & Founder, Electri FI Wealth. I'm not a financial planner or advisor, so please refrain from referring to me with those titles. Also, (I know this one is hard) if at all possible, please try not to use the word advice in the questions. Words like suggestions, thoughts, ideas etc are better since there are super strict regulations in the US around financial "advice".  About the Guest Bio: Rachel Covert “retired” from her career as the VP of a women’s fashion brand at 36 after achieving financial independence. She quickly discovered that being fully retired in her 30’s was a misguided goal and that she needed a career pivot instead of retirement. After traveling the world for the better part of a year, she realized that her gift is to help people with their money, and that women in particular are severely in need of financial education. Rachel launched her money coaching business, Electri FI Wealth, and has helped over 400 women build wealth and pay off debt without strict budgets! Our host, Sarah Coombes, is a wife, mum of 3, an educator… and now a multimillionaire. But a few years ago? She took a $50K pay cut… moved 15 times in 12 months with two babies… and had two weeks to find $110K. So no—this isn’t theory. This is experience. Sarah built my wealth from survival mode— and now she helps women do it smarter because one income isn’t safe anymore… and burnout isn’t the price of success.

AI Is Replacing Skills… But This One Will Make You Richer Than Ever

We’re living in a time where trust is getting harder to earn, technology is moving faster than ever, and the skills that built businesses in the past are rapidly changing. In this episode of the RichHer Podcast, Sarah sits down with Caroline Warnes to talk about the shifting landscape of business — from the growing trust recession in the digital world, to how AI is reshaping the skills that will matter most in the years ahead. As automation accelerates, one thing is becoming clear: human connection is becoming more valuable, not less. Caroline shares why building genuine relationships, growing your network, and having the courage to start conversations with people you’ve never met before is one of the most underestimated skills when starting a business. In this episode we explore: * What the trust recession means for business and influence * How AI is changing the future skills landscape * Why relationship-building will become even more valuable in an automated world * How entrepreneurs can create opportunities by reaching out and starting conversations * Why this often-overlooked sales skill can be a powerful accelerator when building a business If you're building something of your own, growing a network, or looking for practical ways to create opportunities instead of waiting for them — this conversation will give you a powerful perspective on what skills really matter moving forward. Because sometimes the opportunities you're waiting for don’t appear online. About the Host – Sarah Coombes Sarah Coombes is the host of the RichHer Podcast, where she has honest conversations about money, opportunity, and building wealth as a woman. Her journey into wealth didn’t start with comfort or security. She moved countries and took a $60,000 pay cut. At one point Sarah had two weeks to find $110,000.  While on maternity leave with two babies under two, her husband suffered a disabling back injury that wiped out their only source of income overnight. During that period, the family were living in a garages and moving 15 times in a year just to keep going. Those experiences forced Sarah to become resourceful quickly — learning about money, property, and how to create multiple income streams so her family would never be weeks away from financial disaster again. Today Sarah is a mum of three, educator, property investor, and entrepreneur who shares practical lessons, real stories, and conversations with experts to help women build wealth, expand their opportunities, and create lives that feel rich in every sense of the word. Disclaimer The information shared on the RichHer Podcast is for educational and informational purposes only and should not be considered financial, legal, or professional advice. The views expressed by the host and guests are their own. Please seek advice from a qualified professional before making financial, legal, or investment decisions.