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Meet Pay Love

You say Tom-ay-to, I say Tom-ah-to, but we don't want to call the whole thing off! Talking cross-cultural relationships and money...

Season 1, Ep. 12

In this episode, Zoe and Carmel talk and consider how our cultural backgrounds influences the way that we consume products and think about money. They specifically look at relationships between people who’ve been raised in different nationalities or family backgrounds, and Zoe reflects on her own relationship, with her partner Ollie, who’s half-Thai. Carmel and Zoe also hear from a number of voices from their community about the challenges they’ve encountered and strategies for overcoming conflicts about money within their relationships.


Don't forget to follow us on insta for memes and details between the episodes.


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If this has brought up any concerns or triggered any personal feelings for you, always seek help.

We recommend: Lifeline on 13 11 14

QLife (LGBTQIA Specific) on 1800 184 527

Beyondblue on 1300 224 63


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Any views expressed by the podcast host or any guest are their own and do not represent the views of Equity Mates Media or any other employer or associated organisation.

Always remember, all information contained in this podcast is for education and entertainment purposes only. It is not intended as a substitute for professional financial, legal or tax advice. The hosts of Equity Mates are not financial professionals and are not aware of your personal financial circumstances. Before making any financial decisions you should read the Produce Disclosure Statement (PDS) and, if necessary, consult a licensed financial professional.

For more information head to our Disclaimer Page, where you can find resources to search for a registered financial professional near you.


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Have you just started your investing journey? Head over to Get Started Investing – Equity Mates 12-part series with all the fundamentals you need to feel confident to start your investing journey.

Want more Equity Mates? Subscribe to Equity Mates Investing Podcast, social media channels, Thought Starters mailing list and more here


Meet Pay Love is part of the Acast Creator Network.

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  • 13. Season finale: Assets for you, assets for me!

    45:48
    These assets won't quit! In this season finale, Carmel and Zoe chat about assets and how to think about them in your relationship - strategies around being the primary caregiver, superannuation and considerations you and your partner should talk about together. To help them navigate this terrain, they have their guest expert Jessica Brady, from Fox and Hare, who's also the co-founder of Ladies Talk Money. Jess has over fourteen years experience, working with some of the biggest names in finance, including Commbank, Macquarie Group and Zurich.Don't forget to follow us on insta for memes and details between the episodes. *If this has brought up any concerns or triggered any personal feelings for you, always seek help.We recommend: Lifeline on 13 11 14QLife (LGBTQIA Specific) on 1800 184 527Beyondblue on 1300 224 63 *Any views expressed by the podcast host or any guest are their own and do not represent the views of Equity Mates Media or any other employer or associated organisation.Always remember, all information contained in this podcast is for education and entertainment purposes only. It is not intended as a substitute for professional financial, legal or tax advice. The hosts of Equity Mates are not financial professionals and are not aware of your personal financial circumstances. Before making any financial decisions you should read the Produce Disclosure Statement (PDS) and, if necessary, consult a licensed financial professional.For more information head to our Disclaimer Page, where you can find resources to search for a registered financial professional near you. *Have you just started your investing journey? Head over to Get Started Investing – Equity Mates 12-part series with all the fundamentals you need to feel confident to start your investing journey.Want more Equity Mates? Subscribe to Equity Mates Investing Podcast, social media channels, Thought Starters mailing list and more here.  Meet Pay Love is part of the Acast Creator Network.ENLNGSygEUqitxWObzPn
  • 12. Let's roll the dice: is my gambling a problem?

    30:05
    'I'll take a punt', is something heaps of Aussies say, but at what point does gambling turn from a harmless bit of fun, to something that's a problem for your relationship? In this episode Carmel and Zoe think about all the different ways they associate with gambling, and talk to guest expert Tony Clarkson, Head of Professional Development Centre at the Victorian Responsible Gambling Foundation. For more information, please visit their Youtube channel, or visit the website for Gambler's Help.Don't forget to follow us on insta for memes and details between the episodes.*If this has brought up any concerns or triggered any personal feelings for you, always seek help.We recommend: Lifeline on 13 11 14QLife (LGBTQIA Specific) on 1800 184 527Beyondblue on 1300 224 63*Any views expressed by the podcast host or any guest are their own and do not represent the views of Equity Mates Media or any other employer or associated organisation.Always remember, all information contained in this podcast is for education and entertainment purposes only. It is not intended as a substitute for professional financial, legal or tax advice. The hosts of Equity Mates are not financial professionals and are not aware of your personal financial circumstances. Before making any financial decisions you should read the Produce Disclosure Statement (PDS) and, if necessary, consult a licensed financial professional.For more information head to our Disclaimer Page, where you can find resources to search for a registered financial professional near you.*Have you just started your investing journey? Head over to Get Started Investing – Equity Mates 12-part series with all the fundamentals you need to feel confident to start your investing journey.Want more Equity Mates? Subscribe to Equity Mates Investing Podcast, social media channels, Thought Starters mailing list and more here. Meet Pay Love is part of the Acast Creator Network.
  • 10. Unlearnings... unpacking those hard-wired money ideas.

    30:58
    In this episode we think about our upbringing and how that might influence the relationship you have with money, and the expectations you have for a partner... or the hunt for a partner. White Ribbon Executive Director Brad Chilcott joins Zoe and Carmel to talk about the work of White Ribbon and his own personal understandings with money. Then the team hear from a number of their community members as they reflect on how their relationship with money has affected their relationships.Don't forget to follow us on insta for memes and details between the episodes.*If this has brought up any concerns or triggered any personal feelings for you, always seek help.We recommend: Lifeline on 13 11 14QLife (LGBTQIA Specific) on 1800 184 527Beyondblue on 1300 224 63*Any views expressed by the podcast host or any guest are their own and do not represent the views of Equity Mates Media or any other employer or associated organisation.Always remember, all information contained in this podcast is for education and entertainment purposes only. It is not intended as a substitute for professional financial, legal or tax advice. The hosts of Equity Mates are not financial professionals and are not aware of your personal financial circumstances. Before making any financial decisions you should read the Produce Disclosure Statement (PDS) and, if necessary, consult a licensed financial professional.For more information head to our Disclaimer Page, where you can find resources to search for a registered financial professional near you.*Have you just started your investing journey? Head over to Get Started Investing – Equity Mates 12-part series with all the fundamentals you need to feel confident to start your investing journey.Want more Equity Mates? Subscribe to Equity Mates Investing Podcast, social media channels, Thought Starters mailing list and more here. Meet Pay Love is part of the Acast Creator Network.
  • 9. Excuse me, my wedding will cost... how much? How to talk $$ before the big day.

    38:42
    Are you dreaming of a white wedding? And if so, how much are you willing to pay for it? Because According to moneysmart.gov.au, the average Australian wedding costs an eye watering $36,000. This week Carmel and Zoe talk to Fiona Dean-Dundas of Couture Wedding planning about how to plan your special day on a budget, families expectations when they've added a little extra to the wedding budget and how to cut costs if you need to! where's the best place to cut costs!Don't forget to follow us on insta for memes and details between the episodes.*If this has brought up any concerns or triggered any personal feelings for you, always seek help.We recommend: Lifeline on 13 11 14QLife (LGBTQIA Specific) on 1800 184 527Beyondblue on 1300 224 63*Any views expressed by the podcast host or any guest are their own and do not represent the views of Equity Mates Media or any other employer or associated organisation.Always remember, all information contained in this podcast is for education and entertainment purposes only. It is not intended as a substitute for professional financial, legal or tax advice. The hosts of Equity Mates are not financial professionals and are not aware of your personal financial circumstances. Before making any financial decisions you should read the Produce Disclosure Statement (PDS) and, if necessary, consult a licensed financial professional.For more information head to our Disclaimer Page, where you can find resources to search for a registered financial professional near you.*Have you just started your investing journey? Head over to Get Started Investing – Equity Mates 12-part series with all the fundamentals you need to feel confident to start your investing journey.Want more Equity Mates? Subscribe to Equity Mates Investing Podcast, social media channels, Thought Starters mailing list and more here. Meet Pay Love is part of the Acast Creator Network.
  • 8. Episode 8 - Home *is* where the heart is... but how do I afford one!?

    44:58
    It’s the Australian dream, right? A spouse or partner, two kids, a house in the ‘burbs with a yard, with prawns cooking on the barbie. Maybe that idyllic picture isn’t for everyone, but for those who do want it -  prices are pushing the property dream further and further out of reach. Plenty of young Aussies are looking at their bank balances, and thinking, 'How am I ever going to scrape together a deposit without a second income to cushion the blow?'In this episode, Zoe and Carmel look at the challenges in place to buy a house, whether you’re single or loved up. They hear from our wider community about their experiences buying their first house, talk about their different perspectives, before interviewing John Fisher, who runs a Mortgage Broking Business in Sydney. He talks about the options available to you, the things to be aware of when accepting monetary gifts for homes, and the other hidden costs you need to be aware of when preparing to buy your first home. Don't forget to follow us on insta for memes and details between the episodes.*If this has brought up any concerns or triggered any personal feelings for you, always seek help.We recommend: Lifeline on 13 11 14QLife (LGBTQIA Specific) on 1800 184 527Beyondblue on 1300 224 63*Any views expressed by the podcast host or any guest are their own and do not represent the views of Equity Mates Media or any other employer or associated organisation.Always remember, all information contained in this podcast is for education and entertainment purposes only. It is not intended as a substitute for professional financial, legal or tax advice. The hosts of Equity Mates are not financial professionals and are not aware of your personal financial circumstances. Before making any financial decisions you should read the Produce Disclosure Statement (PDS) and, if necessary, consult a licensed financial professional.For more information head to our Disclaimer Page, where you can find resources to search for a registered financial professional near you.*Have you just started your investing journey? Head over to Get Started Investing – Equity Mates 12-part series with all the fundamentals you need to feel confident to start your investing journey.Want more Equity Mates? Subscribe to Equity Mates Investing Podcast, social media channels, Thought Starters mailing list and more here. Meet Pay Love is part of the Acast Creator Network.
  • 8. Meet Pay Love announcement

    06:23
    Carmel and Zoe are popping in your ears with a quick announcement about Meet Pay Love, to let you know they’re taking a short break. They’ll be back with the rest of Season 1 before you know it, but while you wait, they want to hear your money stories. So, if you, or someone you know, has a tale about money and relationships that needs untangling, send an email to mpl@equitymates.com Want to hear your voice on the podcast? Specifically we’re looking for couples who are in the process of buying a house, couples saving for a deposit on a house, those in relationships saving for a wedding, couples who’ve negotiated large wage gaps, couples who’ve overcome different cultural understandings of how to manage finances, or gone through the process of unlearning - adjusting their internalised attitudes and behaviours. Get in touch via email, or the contact page. We can’t wait to come back with the rest of Season 1 - we’ll be back in your ears very soon! *****Make sure you don't miss anything Equity Mates related by signing up to our email list. And visit this page if you love everything Equity Mates and want to support our work.*****Any views expressed by the podcast host or any guest are their own and do not represent the views of Equity Mates Media or any other employer or associated organisation.Always remember, all information contained in this podcast is for education and entertainment purposes only. It is not intended as a substitute for professional financial, legal or tax advice. The hosts of Equity Mates are not financial professionals and are not aware of your personal financial circumstances. Before making any financial decisions you should read the Produce Disclosure Statement (PDS) and, if necessary, consult a licensed financial professional.For more information head to our Disclaimer Page, where you can find resources to search for a registered financial professional near you.*****Have you just started your investing journey? Head over to Get Started Investing – Equity Mates 12-part series with all the fundamentals you need to feel confident to start your investing journey.Want more Equity Mates? Come to our website and subscribe to Equity Mates Investing Podcast, social media channels, Thought Starters mailing list and more at or check out our Youtube channel.
  • 7. Episode 7 - Love and other commodities, how do you navigate the world of money, love and dating apps?

    38:10
    So, it’s no secret that here at MPL, we believe the biggest financial decision you’ll ever make is who you spend the rest of your life with… So while we've spent a lot of time speaking about what to do after you meet your partner, we haven’t addressed how you find that special someone.This week we talk to Samantha Jayne of the Husband project about what it’s like in the dating world these days. We address dating apps, types of lovers out there and the awkwardness about how do you decide who pays on the first date and how do men and women view this differently? Carmel and Zoe also talk to two single friends who are out there, in the single market - Dave, and their friend Georgia of the Sh*t Dates podcast. Both give their perspectives on the different aspects of dating! *Don't forget to follow us on insta for memes and details between the episode.*If this has brought up any concerns or triggered any personal feelings for you, always seek help.We recommend: Lifeline on 13 11 14QLife (LGBTQIA Specific) on 1800 184 527Beyondblue on 1300 224 63*Any views expressed by the podcast host or any guest are their own and do not represent the views of Equity Mates Media or any other employer or associated organisation.Always remember, all information contained in this podcast is for education and entertainment purposes only. It is not intended as a substitute for professional financial, legal or tax advice. The hosts of Equity Mates are not financial professionals and are not aware of your personal financial circumstances. Before making any financial decisions you should read the Produce Disclosure Statement (PDS) and, if necessary, consult a licensed financial professional.For more information head to our Disclaimer Page, where you can find resources to search for a registered financial professional near you.*Have you just started your investing journey? Head over to Get Started Investing – Equity Mates 12-part series with all the fundamentals you need to feel confident to start your investing journey.Want more Equity Mates? Subscribe to Equity Mates Investing Podcast, social media channels, Thought Starters mailing list and more here.
  • 6. Episode 6 - Can I afford to have a baby?

    37:53
    Neither Carmel or Zoe want babies anytime soon… but they *do* know that babies are expensive, and it’s got them thinking… just how many dollars do you need? If you’re a couple who are now going to get by on a single income, what should you be thinking about? How does parental leave work? And how long do you have to be working somewhere to qualify for any type of leave? Does the government help you out? And how much money can you qualify for once the baby arrives? To help them untangle some of the questions, they speak to Kelsey Jane from Finance Money Life (that's FML for short). *Don't forget to follow us on insta for memes and details between the episode.*If this has brought up any concerns or triggered any personal feelings for you, always seek help.We recommend: Lifeline on 13 11 14QLife (LGBTQIA Specific) on 1800 184 527Beyondblue on 1300 224 63*Any views expressed by the podcast host or any guest are their own and do not represent the views of Equity Mates Media or any other employer or associated organisation.Always remember, all information contained in this podcast is for education and entertainment purposes only. It is not intended as a substitute for professional financial, legal or tax advice. The hosts of Equity Mates are not financial professionals and are not aware of your personal financial circumstances. Before making any financial decisions you should read the Produce Disclosure Statement (PDS) and, if necessary, consult a licensed financial professional.For more information head to our Disclaimer Page, where you can find resources to search for a registered financial professional near you.*Have you just started your investing journey? Head over to Get Started Investing – Equity Mates 12-part series with all the fundamentals you need to feel confident to start your investing journey.Want more Equity Mates? Subscribe to Equity Mates Investing Podcast, social media channels, Thought Starters mailing list and more here.