She can Finance

The most expensive lessons don’t show up as losses. They show up as time, delay, and mental load.

I didn’t fail financially — but I certainly wish I learnt these rules a lot earlier. Because slow learning has a cost.

If you’re earlier on this journey, take the shortcut.



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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

I realised how big the topic is when a friend of mine separated and how much I didn’t know. When a third of marriages end in a divorce. We owe it to ourselves to get informed.

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 “I worked for everything.”

In Australian family law, asset division doesn’t just look at income. It looks at contributions over the entire relationship.

That includes:

- Direct financial income
- Property brought into the relationship
- Raising children
- Managing the household
- Supporting a partner’s career
- Sacrificing earning capacity

Non-financial contributions are legally recognised.

But here’s the practical reality:

If one partner scales back paid work for 5–15 years, there are long-term effects:

- Lower super accumulation
- Slower wage progression
- Reduced professional network
- Reduced financial confidence

By the average divorce age (mid-40s for women in Australia), rebuilding income and retirement savings can feel overwhelming.



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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

Did you know the average age of divorce is 44 for a woman in Australia?

At 44, most women are in their peak earning years, raising children, paying down a mortgage and within 15–20 years until retirement

And yet, it’s not uncommon for many not to have full visibility over
– Super balances
– Debt structures
– Investment accounts
– Asset ownership

In Australia, both parties must legally provide full financial disclosure during separation. But disclosure is stressful when you’re seeing the numbers properly for the first time.

This isn’t about assuming your marriage will fail. It’s about not outsourcing your financial awareness.

Working inside the home is work.
Working outside the home is work.
But both people should understand the money.

Especially at 44.



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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

I've been hearing a lot about yield lately.

So what about NDIS properties?

NDIS properties are often marketed as high-yield, government-backed and stable. All of that can be true but it’s not the full picture.

NDIS investing isn’t just buying a property.

You’re effectively stepping into a regulated housing business.

That means:
• strict design and compliance standards
• higher upfront capital
• location-specific demand (oversupply matters)
• specialist property management
• income that follows the participant, not the property

Yes, yields can be materially higher than standard residential.

Yes, the social impact is real and meaningful.

But this only works when:
→ the location is right
→ the design matches actual demand
→ cash flow is modelled conservatively
→ and you’re comfortable with complexity

NDIS property isn’t good or bad.

Not financial advice. Just context people deserve before getting excited by the numbers.



Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

Not every higher price equals a bad decision.

But paying more without a clear reason usually is.
From my experience, the difference comes down to strategy vs emotion — not the market, not the agent, not the headline.

This isn’t advice. It’s a reminder to slow down and think clearly when emotions run high.


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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

I cringe a little when I hear ‘I am doing xyz for negative gearing’.

Negative gearing can be part of property investing.

But it should never be the reason you buy.

The goal is not to lose money so you can pay slightly less tax.

The goal is to buy quality assets, manage cash flow, and build long-term wealth.

AI isn’t just a tech story.

Massive spending.
Uncertain revenue timing.
Concentrated market exposure.

Things worth thinking about:

Are my investments overly exposed to large-cap US tech?

Do I actually understand what’s inside my ETF or managed fund?

If AI boosts productivity, which sectors benefit?

If AI reduces jobs in certain industries, what does that mean for housing demand and consumption?

Major shifts create opportunity.

Not financial advice. Just something to think about.


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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

Buying a home and buying an investment are two completely different decisions.

Same asset.
Different rules.

If you assess an investment property the way you assessed your own home, you’ll overpay, overspend, or box yourself in for the next purchase.

Understanding this early is what makes investing feel structured instead of overwhelming.




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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.

Under the current system, many investors holding assets long term can access a 50% CGT discount.

Let’s say that you made a $200k capital gain:

roughly half may be ignored and the remaining half may be taxed at your marginal tax rate

The proposed framework changes that calculation. Instead of automatically halving the gain:

the asset’s cost base may first be adjusted for inflation (indexation)

then the remaining “real gain” may be taxed

with proposals also referencing a minimum 30% tax rate on net capital gains

Which means inflation becomes far more important.

For example: if property prices rose partly because inflation pushed up prices generally, that inflation component may first be removed before calculating the taxable gain.

Because under the current rules, large long-term capital growth has historically been rewarded very heavily.

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Disclaimer: The information provided is general in nature and does not take into account your personal objectives, financial situation or needs. It is not intended as financial advice. Please consider speaking to a qualified professional before making any financial decisions.