Podcast · Business

Uncensored Money

by Melissa Browne: Ex-accountant, Ex-Financial Advisor & Ex-Working till I dro · English · Business

Join me, Melissa Browne, ex-financial advisor, ex-accountant, ex-working till I drop. Now serial entrepreneur, best selling author and financial educator as I talk all things money. Why a podcast about money? That's because as women we're choosing not to talk about it and when it comes to dealin

New episodes: Weekly
Typical length: 29 min
Latest: 2 Jul 2026
Language: English

Latest episode

2 Jul 2026 · 41 min

New Financial Year Beats New Year's Resolutions: 5 Things To Actually Do This July

Your New Year's resolutions were never going to work, and it's not because you're lazy. You made them drunk on champagne and optimism, on behalf of a version of you with far more bandwidth than you actually have on a wet Tuesday in February. So if those January money goals quietly died months ago? Good. Let them. Because it's the first of July. New financial year . New payslips, fresh tax year, super statements landing, and twelve months of real numbers you can finally look at instead of guess at. This , not January , is the reset that actually has machinery behind it. In this episode, Mel…

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Earlier episodes 29 most recent

S8 · E11 · 25 Jun 2026 · 22 min
I Have PTSD. Here's What It Did To My Finances.
Nobody in finance talks about this. How trauma responses — freeze, flight, fight, fawn — show up in your financial decisions. And what they're actually costing you. In this episode I share something personal: I have PTSD from experiences in my teenage years. And for a long time I didn't connect that to my finances. Looking back — it was there in everything. This episode covers: — What a trauma response actually is (and why it's not what most people think) — How freeze, flight, fight and fawn show up specifically in financial behaviour — The fawn response — the one that costs women the most…
S8 · E10 · 18 Jun 2026 · 51 min
The Financial Ick — 10 Money Habits That Are an Instant Turn-Off (And What They Really Reveal)
You know the ick. That tiny thing someone does that you just can't unsee. Turns out money has them too. This week Mel and Lawsie rate 10 financial icks out of 10 and then, because they can't help themselves, they flip every single one over to show what it's actually hiding underneath. Because here's the thing: nobody does the icky money stuff because they're a bad person. They do it because of a story. It's funny. It's a little bit savage. And it ends somewhere that actually matters . In this episode: The Calculator at Dinner — boundaries vs the surprise audit The Bargain Brag — why a…
S8 · E9 · 11 Jun 2026 · 37 min
Financial Coercive Control: The 6 Red Flags Every Woman Needs to Know
Content warning: This episode discusses financial abuse, coercive control, and intimate partner violence. Support services are listed at the end of these notes, including 1800RESPECT on 1800 737 732. If anything in this episode is distressing, please reach out. In New South Wales, on 1 July 2024, coercive control became a criminal offence in intimate partner relationships. Queensland followed in May 2025. In 2026, the federal family law reform formally recognised financial abuse for the first time in Australian history. Which means a lot of the behaviours we've spent decades calling "a…
S8 · E8 · 20 May 2026 · 47 min
Why I'm shutting down a 7 figure (annually) program in my business
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…
S8 · E8 · 13 May 2026 · 26 min
The Budget without the BS: What the 2026/27 Federal Budget Actually Means for Your Money
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…
S8 · E6 · 18 Mar 2026 · 28 min
Uncensored Money Season Eight: Interest Rates, Inflation & Uncertainty: How to Stay Calm With Your Money
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…
S8 · E5 · 11 Mar 2026 · 28 min
If I Was Turning 50 Again, Here's What I'd Do (Money, The Gen X Edition)
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…
S8 · E4 · 4 Mar 2026 · 47 min
Daring to be Wealthy
What if the world of finance was never designed with women in mind? In this special episode, Mel sits down with Lawsie to talk about her new book, Dare to Be Wealthy and the deeper truth behind why wealth still feels uncomfortable, taboo or "not for us" for so many women. This isn't just a conversation about investing, debt or super. It's about the subtle messages women absorb over a lifetime that shape how we earn, spend, save and dream, often without even realising it. Mel shares the personal experiences she's never spoken about publicly before, why she believes women need a financial…
S8 · E3 · 25 Feb 2026 · 39 min
If I Was Turning 40 Again, Here's What I'd Do Differently (Money Edition)
Turning 40 isn't a crisis. It's clarity. In this episode, Mel and LL unpack what they'd do differently financially if they were entering their 40s again . F rom investing myths to hormone health, divorce realities and reinvention. Because here's the truth: Your 40s aren't too late. They're often where confidence, income and courage finally align. We cover: • Why women (but not men) think they've "left it too late" to start investing • How $500 per month invested for 30 years could approach $1 million • Why investing doesn't have to be complicated (yes, even one broad-based ETF can be enough)…
S8 · E2 · 18 Feb 2026 · 33 min
If I Was in My 30s Again, Here's What I'd Do (Money Edition)
Your 30s are loud. Careers accelerate. Babies arrive (or don't ). Relationships change. Houses get bought. Everyone looks like they've figured it out and suddenly money decisions feel heavier and more permanent. In this episode, Mel and Lawsie talk about the decade where momentum matters more than perfection. Because wealth in your 30s isn't built through dramatic moves. It's built through consistent ones… and by refusing to compare your life to someone else's highlight reel. We cover: – why small, boring investing still wins (even now) – the super conversation couples avoid and why women…
S8 · E1 · 11 Feb 2026 · 30 min
If I Was in My 20s Again, Here's What I'd Do Differently (Money Edition)
If you could rewind to your 20s … would you actually change anything? In this episode, we're not doing regret, we're doing perspective. Because your 20s aren't about earning the most money. They're about owning the most valuable asset you'll ever have: time . And whether you're currently 25, 45 or 55, understanding what a "time millionaire" is might completely change how you think about your finances today. Mel and Lawsie unpack the money moves that matter early (and the ones that quietly derail women for decades): – why bad debt steals your future without you noticing – how a few…
S7 · E10 · 20 Jul 2025 · 16 min
What a difference no bad debt makes to a decade
This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. This episode is the fourth in our miniseries where we're t alking about the big impact a decade can really have on your finances. We've covered where you're at, and where you might want to go, and today, we're talking about getting rid of bad debt – completely. Bad debt is like a gaslighting, toxic boyfriend. It seems okay, but the reality is that it's keeping you trapped and controlled. If you want to build a better future, one of the best places to start is with kicking…
S7 · E9 · 13 Jul 2025 · 15 min
Conquering Lifestyle Creep for Financial Freedom
This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. This episode is the third in our miniseries where we're t alking about the big impact a decade can really have on your finances. We started off by looking at financially where you're at now and then dove deeper into what that looks like, as well as where you'd like to go. In this episode, we continue with this, and Mel talks about challenging what you're working with. Lifestyle creep is something that all of us can fall victim to, as our expenses rise with our income. A…
S7 · E8 · 28 Jun 2025 · 16 min
Understanding where you're at financially
This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. This episode is the second in a where we're talking about the big impact a decade can really have on your finances. We started off by looking at where you're at now financially and giving yourself a score out of 10. This week, we're looking deeper into that now, really examining where you are now, and where you want to go. It's an easy thing to say but putting it into practice is where things get tricky. Understanding where you are now can be confronting, and knowing…
S7 · E7 · 8 Jun 2025 · 17 min
Who will you be in 10 years time?
This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today we're talking about the big impact a decade can really have on your finances. Starting off, Mel asks the question, how old you'll be in 10 years time. For some of you it's a number you're itching to get to, while for others that number can be confronting. Society today is all about living in the moment, it's built on ageism, valuing youth and beauty and as a result for so many women, looking ahead can be daunting at best, and frightening at worst. While we can't…
S7 · E6 · 1 Jun 2025 · 17 min
Investing during Uncertain times – has it all gone back to normal now?
This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today we're talking investing during uncertain times, diving into whether it's all 'back to normal' now. When Donald Trump took office, many people were nervous about what might happen to the markets. When he announced tariffs and the markets crashed earlier this year – many people panic paused, sold or bought. When he reversed some of those decisions and the market bounced back – many people think it's back to business as usual. In this episode, I want to give my take on…
S7 · E5 · 27 Apr 2025 · 17 min
Money and hormones
This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today we're talking money and hormones. While we've talked in previous episodes about perimenopause, menopause and money - today we're diving into money and hormones, for those still menstruating. It's about leaning into what we as women already know. We behave and feel differently during different parts of our menstrual cycle. Knowing this, understanding how different stages can impact your behaviour and how you might best set your self up for success. For more tips and…
S7 · E4 · 19 Apr 2025 · 14 min
Money and Unconscious Bias
This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today, we're talking unconscious biases when it comes to money. The episode is the result of reactions to an article Mel wrote for a publication that a very lovely gentleman described as a 'moronic analysic' as it dove into the questions: Are you in an echo chamber where you're just receiving the same answers from people around you because you all believe the same thing? Do you react strongly to something financially without thinking about whether that really is something…
S7 · E3 · 30 Mar 2025 · 20 min
What is financially normal anyway
This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today, Mel is talking about what is normal financially. Am I doing okay? It's a question one of Mel's friends asked her recently, and it's one she hears a lot. What they're asking when they say that is: How am I compared to other women my age How am I compared to how I want to live Todays episode looks at that question more in depth, diving into what is financially normal anyway. If you've ever wondered how you compare, tune in for the episode that answers just that. For…
S7 · E2 · 23 Mar 2025 · 17 min
Ageism and money: why you need to lean in
This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today, Mel is talking about ageism and money, because it's a conversation that just isn't affecting the blokes in the same way. Too often women are opting out of investing because they fear that they're too old and that they've aged out. In reality, it's more important than ever that now is the time to start to lean in. Talking about ageism in money and investing, in this episode Mel is here to give you hop e that no matter what age you are – there's still so much you can…
S7 · E1 · 16 Mar 2025 · 19 min
Panicked by share markets this week? Let's talk about it
It's a new season and we're talking about your Financial Second Act and whatever form that may come in. Today, Mel talks about some of the scary headlines that have been appearing when it comes to share investing and money generally . From the R word – recession – in US markets, to crashes in the US market, global markets, and even in Australian markets, the headlines appearing are far from reassuring. In this solo episode, Mel talks about what she thinks you should be doing, and most importantly what you shouldn't be doing. And maybe even how to turn down that noise a little so that you can…
S6 · E9 · 2 Mar 2025 · 29 min
Insurances: What and how much?
It's a new season and we're heading back to the basics to help you reduce your financial overwhelm and start (or keep) doing money better. This week Mel and Lawsie are talking about a money topic we're sure you've been itching for, all things insurance. Okay, okay, so it's not the most exciting topic. BUT, having insurance when life happens gives you incredible peace of mind while you're dealing with the big things when life inevitably happens. In this super important episode, they're talking about the type of insurance you might want to consider, when you might think about not having…
S6 · E8 · 23 Feb 2025 · 31 min
Our Top tips for a successful business, side hustle or hobby
It's a new season and we're heading back to the basics to help you reduce your financial overwhelm and start (or keep) doing money better. This week Mel and Lawsie talk everything business, side hustle, and hobby related. Starting a business, side hustle, or paying hobby is easier than ever, but if you're going to do it, you may as well be as successful and profitable as you can while you do. In this episode they'll share things they've seen business owners do badly (so you can dodge those same mistakes), top tips, and the things that they've seen business owners do successfully that you…
S6 · E7 · 16 Feb 2025 · 33 min
Understanding investing in shares and superannuation
It's a new season and we're heading back to the basics to help you reduce your financial overwhelm and start (or keep) doing money better. Today, Mel and Lawsie are talking investing. Whether it's investing in shares or in superannuation, chances are investing is something that feels confusing, like gambling, or something for future you to think about. By the end of todays episode, Mel and Lawsie want you to feel more confident about investing in shares, and to start giving a sh*t about your superanuation. We'll be talking how to make money for shares, why investing in individual shares…
S6 · E6 · 9 Feb 2025 · 29 min
What you need to know about Property & Home Ownership in 2025
It's a new season and we're heading back to the basics to help you reduce your financial overwhelm and start (or keep) doing money better. Today Mel and Lawsie dive into all things property and home ownership in 2025. We know that so many people don't feel like they're really 'adulting' until they own their own home. Today, we're calling BS on that, sharing why that's simply not true. But, for those of you who do have buying a property (whether its a home, or investment), here's a few tips and tricks to make sure you're being financially smart with what you're doing. From their own…
S6 · E5 · 26 Jan 2025 · 31 min
Cleaning up or getting comfortable with debt
It's a new season and we're heading back to the basics to help you reduce your financial overwhelm and start (or keep) doing money better. Today Lawsie & Mel are talking about all things debt from what to know, why you should get comfortable with it, and what you should focus on. Chances are, one of your new years resolutions is to get into, or out of debt. From getting rid of credit cards or personal loans, to getting into mortgages or investment loans, debt is a big topic many of us have on our mind especially as a new year begins. From the different types to the secrets about debt that…
S6 · E4 · 19 Jan 2025 · 32 min
What you can do today: Quick wins and 101s
It's a new season and we're heading back to the basics to help you reduce your financial overwhelm and start (or keep) doing money better. Today Lawsie & Mel are here to help put a little action in you, sharing things you can start right now with some quick wins and 101s. Chances are you (like us) are someone who loves a quick win, a dopamine hit, or Mel's personal favourite, an attagirl. Today, we wanted to give you a financial quick win, because there's nothing like a quick win or a dopamine hit to keep you motivated with your finances. We're not just talking where to look for quick wins…
S6 · E3 · 12 Jan 2025 · 33 min
What's your number? Let's get financially specific.
It's a new season and we're heading back to the basics to help you reduce your financial overwhelm and start (or keep) doing money better. Today Lawsie & Mel as the question: have you ever asked the question – how much should I be saving? How much should I be investing? Just… how much? By the end of the episode you're going to understand why these are the wrong questions to ask, why most people think 20% is the right amount to invest (and why that's wrong for most of us) and how to figure the right number out for yourself. For more tips and resources, visit us at melissabrowne.com.au, on…
S6 · E2 · 5 Jan 2025 · 32 min
Money Snapshot: Where you are, and where are you going
It's a new season and we're heading back to the basics to help you reduce your financial overwhelm and start (or keep) doing money better. Today we're talking about your money snapshot – where you are now and where you're going. And no, we're not going to tell you to go and start a budget – in fact we're going to talk about why they don't work. But we are going to stop some of you from driving off that financial cliff you're headed towards. As always, Mel & Lawsie share their experiences but also talk about the importance of a money snapshot, how detailed you need to get and give you some…

About Uncensored Money

Uncensored Money is a English business podcast from Melissa Browne: Ex-accountant, Ex-Financial Advisor & Ex-Working till I dro. Melo plays each episode straight from the publisher's own feed — no ads added, no account needed — and remembers where you stopped, in this browser only.

Publisher: Melissa Browne: Ex-accountant, Ex-Financial Advisor & Ex-Working till I dro
Language: English
Category: Business
New episodes: Weekly
Typical length: 29 min
Latest episode: 2 Jul 2026
Feed: RSS — paste into any podcast app
Apple Podcasts: podcasts.apple.com/podcast/id1434504939
Rights: Melissa Browne 2018

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