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What to do when you can't get ahead
05/20/2026
What to do when you can't get ahead
We are back with an episode talking about something we know a lot of people are feeling right now. It’s that frustrating sense that no matter how hard you work or how much you try to be responsible, you just can’t seem to get ahead – or even stay on top of your day-to-day expenses. Mel kicks things off with an honest money update of her own, sharing why her family has gone back through the numbers and tightened spending. Darlene talks about the money lessons that come with having a teenager earning her first pay cheque – and why letting kids work things out for themselves is sometimes the most valuable lesson of all. We unpack what to do when you feel like you’re constantly treading water financially, how to get a clear picture of where your money is actually going, and why understanding your numbers can be confronting, but incredibly empowering. In this episode, we chat about: The shame that comes from feeling like you’re struggling financially – and how to move through it How a spending review can help you stop guessing, face the reality of your finances, and make clearer decisions Why feeling stuck isn’t always about how much you earn – and often comes back to your systems, habits and mindset Why prioritising your financial wellbeing is just as important as making time for your mental and physical wellbeing Plus, in our new educational segment, we break down the changes to negative gearing and capital gains tax, and what they could mean if you own an investment property or are planning to buy one If you’ve been feeling stressed about money lately, we hope this is a helpful reminder that you’re not alone. ABOUT THE MONEY COLLECTIVE PODCAST Financial Wellbeing with The Money Collective brings together the stories and experiences of working with thousands of Australians when it comes to money, this is no holds barred, honest podcast. Darlene and Mel have been working in banking and finance for over 50 years and break down the barriers that we face everyday when it comes to our relationships, families and finances. READY TO GO ON THE JOURNEY OF FINANCIAL WELLBEING? Know your cost of living by listing your expenses with our handy spending review spreadsheet: Book a time with us to chat about money to ask questions and talk all things financial wellbeing, home loans, and more. Email Take action and uplift your own level of financial wellbeing with our online course:
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