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		<title><![CDATA[She Owns It | Property, Wealth & Financial Freedom with Anissa Cavallo]]></title>
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		<copyright>© 2026 She Owns It / Anissa Cavallo</copyright>
		<itunes:keywords>gender wealth gap, superannuation, financial abuse, post-divorce recovery, women and money, financial safety, property leverage</itunes:keywords>
		<itunes:author>Anissa Cavallo</itunes:author>
		<itunes:subtitle>Your Money. Your Power. Your Rules</itunes:subtitle>
		<itunes:summary><![CDATA[<p><strong>She Owns It with Anissa Cavallo</strong> is the no-BS podcast for women ready to take control of their money, mindsets, and financial destiny. Hosted by financial services expert and property strategist Anissa Cavallo, this show tackles the raw realities facing modern women today—from closing the gender wealth gap and optimising superannuation strategies to navigating post-divorce resets, mastering property leverage, and exposing systemic issues like financial abuse and homelessness in middle-aged women.</p><p>Every second week, Anissa sits down with incredible women entrepreneurs to share their real-world journeys, alternating with solo deep dives packed with actionable strategy. Whether you&#39;re starting from scratch, rebuilding after a life pivot, or looking to scale your wealth, <em>She Owns It</em> delivers candid conversations to help you build passive income, overcome financial trauma, and back yourself with confidence.</p><br><p><strong>Inside the Episodes:</strong></p><ul><li><strong>Property &amp; Wealth:</strong> Smart investing, leverage, and building passive income.</li><li><strong>Financial Safety:</strong> Post-divorce recovery, coercive control, and starting over.</li><li><strong>Money Mindset:</strong> Overcoming financial anxiety and stepping into power.</li><li><strong>Real Stories:</strong> Fortnightly interviews with incredible women entrepreneurs, founders, and trailblazers.</li></ul><p><br></p><p><em>Financial independence isn&#39;t a luxury, it&#39;s your strategy for freedom. Stop settling for financial security by chance, and start building it by design</em>. </p><br><p><strong>🔗 Connect &amp; Follow</strong></p><ul><li><strong>Instagram:</strong> <u><a href="https://www.instagram.com/anissa_she_owns_it" rel="noopener noreferrer" target="_blank">@anissa_she_owns_it</a></u></li><li><strong>Website / Strategy:</strong> <u><a href="https://edaproperty.com.au" rel="noopener noreferrer" target="_blank">edaproperty.com.au</a></u></li></ul><p><br></p><p><strong>Production &amp; Strategy: Dash Made Studios</strong></p><p><a href="www.dashmade.com.au" rel="noopener noreferrer" target="_blank">www.dashmade.com.au</a></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		<description><![CDATA[<p><strong>She Owns It with Anissa Cavallo</strong> is the no-BS podcast for women ready to take control of their money, mindsets, and financial destiny. Hosted by financial services expert and property strategist Anissa Cavallo, this show tackles the raw realities facing modern women today—from closing the gender wealth gap and optimising superannuation strategies to navigating post-divorce resets, mastering property leverage, and exposing systemic issues like financial abuse and homelessness in middle-aged women.</p><p>Every second week, Anissa sits down with incredible women entrepreneurs to share their real-world journeys, alternating with solo deep dives packed with actionable strategy. Whether you&#39;re starting from scratch, rebuilding after a life pivot, or looking to scale your wealth, <em>She Owns It</em> delivers candid conversations to help you build passive income, overcome financial trauma, and back yourself with confidence.</p><br><p><strong>Inside the Episodes:</strong></p><ul><li><strong>Property &amp; Wealth:</strong> Smart investing, leverage, and building passive income.</li><li><strong>Financial Safety:</strong> Post-divorce recovery, coercive control, and starting over.</li><li><strong>Money Mindset:</strong> Overcoming financial anxiety and stepping into power.</li><li><strong>Real Stories:</strong> Fortnightly interviews with incredible women entrepreneurs, founders, and trailblazers.</li></ul><p><br></p><p><em>Financial independence isn&#39;t a luxury, it&#39;s your strategy for freedom. Stop settling for financial security by chance, and start building it by design</em>. </p><br><p><strong>🔗 Connect &amp; Follow</strong></p><ul><li><strong>Instagram:</strong> <u><a href="https://www.instagram.com/anissa_she_owns_it" rel="noopener noreferrer" target="_blank">@anissa_she_owns_it</a></u></li><li><strong>Website / Strategy:</strong> <u><a href="https://edaproperty.com.au" rel="noopener noreferrer" target="_blank">edaproperty.com.au</a></u></li></ul><p><br></p><p><strong>Production &amp; Strategy: Dash Made Studios</strong></p><p><a href="www.dashmade.com.au" rel="noopener noreferrer" target="_blank">www.dashmade.com.au</a></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
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			<title><![CDATA[Building in the In-Between Moments: E-Commerce Truths & Content Monetisation with Emma Mazur]]></title>
			<itunes:title><![CDATA[Building in the In-Between Moments: E-Commerce Truths & Content Monetisation with Emma Mazur]]></itunes:title>
			<pubDate>Mon, 02 Nov 2026 22:53:21 GMT</pubDate>
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			<itunes:episode>13</itunes:episode>
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			<description><![CDATA[<p>In this episode of <em>She Owns It</em>, host Anissa Cavallo sits down social media creator educator Emma Mazur. Emma opens up about her evolving relationship with money, starting from her upbringing in New Zealand where financial literacy wasn&#39;t taught at home or school, to climbing the corporate ranks in IT sales at tech giant Cisco, and eventually stepping out on her own as an entrepreneur. Emma candidly explores the complex reality of female financial independence during motherhood. She shares how taking time away from corporate work to manage unpaid labor at home wasn&#39;t a loss of independence, but a strategic team effort with her husband that ultimately allowed them to clear their home mortgage by age 35. Rather than waiting for dedicated full-time blocks, Emma built her entrepreneurial foundations in the &quot;in-between moments&quot;—during baby nap times, school hours, and late evenings.</p><br><p>Emma pulls back the curtain on how she pivoted her gifting expertise into a thriving personal brand, After Hours Gifting, growing her audience to nearly 200,000 followers. She breaks down the psychology of viral, value-first content, the formula for simple 60-second video storytelling, and how she monetises her online presence through high-value brand partnerships.</p><br><p><strong>Resources &amp; Links Mentioned</strong></p><p><br></p><ul><li> Follow Emma on Instagram: afterhoursgifting</li><li> Uniqlo AIRism Men&#39;s T-Shirt ($24.90 AUD) —is available on the <u><a href="https://www.uniqlo.com/au/en/products/E465185-000/00" rel="noopener noreferrer" target="_blank">UNIQLO Australia store</a></u>.</li><li> Subscribe to Listen to More Episodes: Search for <em>She Owns It</em> on Apple Podcasts, Spotify, or your favourite podcast app.</li><li> Website: <a href="edaproperty.com.au" rel="noopener noreferrer" target="_blank">edaproperty.com.au</a></li><li> Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In this episode of <em>She Owns It</em>, host Anissa Cavallo sits down social media creator educator Emma Mazur. Emma opens up about her evolving relationship with money, starting from her upbringing in New Zealand where financial literacy wasn&#39;t taught at home or school, to climbing the corporate ranks in IT sales at tech giant Cisco, and eventually stepping out on her own as an entrepreneur. Emma candidly explores the complex reality of female financial independence during motherhood. She shares how taking time away from corporate work to manage unpaid labor at home wasn&#39;t a loss of independence, but a strategic team effort with her husband that ultimately allowed them to clear their home mortgage by age 35. Rather than waiting for dedicated full-time blocks, Emma built her entrepreneurial foundations in the &quot;in-between moments&quot;—during baby nap times, school hours, and late evenings.</p><br><p>Emma pulls back the curtain on how she pivoted her gifting expertise into a thriving personal brand, After Hours Gifting, growing her audience to nearly 200,000 followers. She breaks down the psychology of viral, value-first content, the formula for simple 60-second video storytelling, and how she monetises her online presence through high-value brand partnerships.</p><br><p><strong>Resources &amp; Links Mentioned</strong></p><p><br></p><ul><li> Follow Emma on Instagram: afterhoursgifting</li><li> Uniqlo AIRism Men&#39;s T-Shirt ($24.90 AUD) —is available on the <u><a href="https://www.uniqlo.com/au/en/products/E465185-000/00" rel="noopener noreferrer" target="_blank">UNIQLO Australia store</a></u>.</li><li> Subscribe to Listen to More Episodes: Search for <em>She Owns It</em> on Apple Podcasts, Spotify, or your favourite podcast app.</li><li> Website: <a href="edaproperty.com.au" rel="noopener noreferrer" target="_blank">edaproperty.com.au</a></li><li> Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Retaining Your Power: Demystifying Family Law, Mediation with Dianne Loveday</title>
			<itunes:title>Retaining Your Power: Demystifying Family Law, Mediation with Dianne Loveday</itunes:title>
			<pubDate>Mon, 26 Oct 2026 22:13:46 GMT</pubDate>
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			<description><![CDATA[<p>Going through a separation or divorce is emotionally draining, but navigating the complex legal and financial system without information can cost you your financial independence. In this episode of <em>She Owns It</em>, host Anissa Cavallo sits down with Dianne Loveday (Principal Mediator &amp; Owner at Bayside Mediation, Co-host of <em>A Lawyer and A Mediator Walk Into a Bar</em>). With a background in psychology and decades of experience guiding families through separation, Dianne sheds light on how women can protect themselves financially, drop damaging money mindsets, and avoid spending tens of thousands of dollars in unnecessary legal battles. From unravelling common family law myths to taking practical steps before leaving a relationship, this episode is an essential guide for any woman wanting to safeguard her future and take ownership of her financial security.</p><br><p><strong> Key Takeaways </strong></p><ul><li>From Psychology to Mediation: Dianne shares her journey from a psychology degree and single motherhood into establishing her own private family mediation practice.</li><li>The Hidden Cost of Family Law Litigation: Why full court proceedings can easily cost $100,000 to $150,000+ per party and how legal expenses strip equity away from families.</li><li>Why You Don&#39;t Always Need a Court Fight: Unpacking the statistic that only 11% of divorcing couples go to a final court hearing.</li><li>Do Prenups (BFAs) Actually Work? The truth about prenuptial agreements, discretionary jurisdiction, and what happens when children enter the picture.</li><li>Joint vs. Separate Bank Accounts: Why separate accounts won&#39;t hide assets and how joint visibility fosters trust and transparency.</li><li>De-bunking the &quot;50/50&quot; Myth &amp; Non-Financial Contributions: Why earning the income doesn&#39;t make it exclusively his, and how family law evaluates domestic and parenting contributions.</li><li>Recent Changes to Family Law in Australia: How family violence, asset wastage, and housing needs for children are now formally evaluated in property settlements.</li><li>Practical Checklist Before Separating: How to gather essential financial documents, secure your personal devices, and establish financial safety nets.</li><li>Superannuation Splitting Explained: Why women must address super in property settlements rather than walking away empty-handed.</li></ul><p><br></p><p><strong>Key Quotes</strong></p><p><em>&quot;Just because he earned it doesn&#39;t make it his. If you’ve provided the lifestyle, home, and child-rearing that enabled him to build a career, your contribution holds equal value.&quot;</em> — Dianne Loveday</p><br><p><em>&quot;Knowledge is power. You have to step up, pull on your big girl pants, and ask the uncomfortable financial questions.&quot;</em> — Dianne Loveday</p><br><p><em>&quot;We teach women that financial literacy isn&#39;t just a bonus—it&#39;s security and freedom.&quot;</em> — Anissa Cavallo</p><br><p><strong>Resources &amp; Links Mentioned</strong></p><ul><li>Bayside Mediation: <u><a href="https://baysidemediation.com.au" rel="noopener noreferrer" target="_blank">baysidemediation.com.au</a></u></li><li>Podcast: <em>A Lawyer and A Mediator Walk Into a Bar</em> (Co-hosted by Dianne Loveday) <a href="https://lawyermediatorbar.com/" rel="noopener noreferrer" target="_blank">https://lawyermediatorbar.com/</a></li><li>Subscribe to Listen to More Episodes: Search for <em>She Owns It</em> on Apple Podcasts, Spotify, or your favourite podcast app.</li><li>🌐 Website: <a href="edaproperty.com.au" rel="noopener noreferrer" target="_blank">edaproperty.com.au</a></li><li>📱 Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Going through a separation or divorce is emotionally draining, but navigating the complex legal and financial system without information can cost you your financial independence. In this episode of <em>She Owns It</em>, host Anissa Cavallo sits down with Dianne Loveday (Principal Mediator &amp; Owner at Bayside Mediation, Co-host of <em>A Lawyer and A Mediator Walk Into a Bar</em>). With a background in psychology and decades of experience guiding families through separation, Dianne sheds light on how women can protect themselves financially, drop damaging money mindsets, and avoid spending tens of thousands of dollars in unnecessary legal battles. From unravelling common family law myths to taking practical steps before leaving a relationship, this episode is an essential guide for any woman wanting to safeguard her future and take ownership of her financial security.</p><br><p><strong> Key Takeaways </strong></p><ul><li>From Psychology to Mediation: Dianne shares her journey from a psychology degree and single motherhood into establishing her own private family mediation practice.</li><li>The Hidden Cost of Family Law Litigation: Why full court proceedings can easily cost $100,000 to $150,000+ per party and how legal expenses strip equity away from families.</li><li>Why You Don&#39;t Always Need a Court Fight: Unpacking the statistic that only 11% of divorcing couples go to a final court hearing.</li><li>Do Prenups (BFAs) Actually Work? The truth about prenuptial agreements, discretionary jurisdiction, and what happens when children enter the picture.</li><li>Joint vs. Separate Bank Accounts: Why separate accounts won&#39;t hide assets and how joint visibility fosters trust and transparency.</li><li>De-bunking the &quot;50/50&quot; Myth &amp; Non-Financial Contributions: Why earning the income doesn&#39;t make it exclusively his, and how family law evaluates domestic and parenting contributions.</li><li>Recent Changes to Family Law in Australia: How family violence, asset wastage, and housing needs for children are now formally evaluated in property settlements.</li><li>Practical Checklist Before Separating: How to gather essential financial documents, secure your personal devices, and establish financial safety nets.</li><li>Superannuation Splitting Explained: Why women must address super in property settlements rather than walking away empty-handed.</li></ul><p><br></p><p><strong>Key Quotes</strong></p><p><em>&quot;Just because he earned it doesn&#39;t make it his. If you’ve provided the lifestyle, home, and child-rearing that enabled him to build a career, your contribution holds equal value.&quot;</em> — Dianne Loveday</p><br><p><em>&quot;Knowledge is power. You have to step up, pull on your big girl pants, and ask the uncomfortable financial questions.&quot;</em> — Dianne Loveday</p><br><p><em>&quot;We teach women that financial literacy isn&#39;t just a bonus—it&#39;s security and freedom.&quot;</em> — Anissa Cavallo</p><br><p><strong>Resources &amp; Links Mentioned</strong></p><ul><li>Bayside Mediation: <u><a href="https://baysidemediation.com.au" rel="noopener noreferrer" target="_blank">baysidemediation.com.au</a></u></li><li>Podcast: <em>A Lawyer and A Mediator Walk Into a Bar</em> (Co-hosted by Dianne Loveday) <a href="https://lawyermediatorbar.com/" rel="noopener noreferrer" target="_blank">https://lawyermediatorbar.com/</a></li><li>Subscribe to Listen to More Episodes: Search for <em>She Owns It</em> on Apple Podcasts, Spotify, or your favourite podcast app.</li><li>🌐 Website: <a href="edaproperty.com.au" rel="noopener noreferrer" target="_blank">edaproperty.com.au</a></li><li>📱 Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title><![CDATA[How to Stop Impulse Buying & Fix Hidden Spending Leaks]]></title>
			<itunes:title><![CDATA[How to Stop Impulse Buying & Fix Hidden Spending Leaks]]></itunes:title>
			<pubDate>Mon, 19 Oct 2026 17:00:00 GMT</pubDate>
			<itunes:duration>27:07</itunes:duration>
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			<itunes:episode>11</itunes:episode>
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			<description><![CDATA[<p>Are hidden spending leaks and impulse shopping holding you back from financial independence? In this episode of <em>She Owns It</em>, host Anissa Cavallo breaks down the psychological and practical reasons we overspend, from $3,000 in forgotten Apple subscriptions to $48-a-week impulse buys and provides a step-by-step framework to stop cash flow leaks for good.</p><br><p>In This Episode: Overcoming Impulse Shopping &amp; Cash Flow Leaks</p><ul><li><strong>The Income Myth:</strong> Why building wealth isn&#39;t just about making more money but managing cash flow and eliminating small recurring expenses.</li><li><strong>Australian Spending Statistics:</strong> The real cost of &quot;ghost&quot; subscriptions ($1,700/year average), household food waste ($2,000–$2,700/year), and weekly impulse shopping.</li><li><strong>The $300,000 Compound Savings Rule:</strong> How cutting 20% off retail purchases and stopping unused subscriptions turns into $140,000 in 10 years (and $300,000 in 20 years at a 7% return).</li><li><strong>The Psychology of Shopping Remorse:</strong> How dopamine drives the <em>anticipation</em> of buying rather than the joy of owning, and why payment methods like Buy Now Pay Later (BNPL) and tap-and-go remove essential spending friction.</li><li><strong>The &quot;Find, Plug, Redirect&quot; Framework:</strong> Practical strategies to audit subscriptions, enforce a 72-hour purchase pause, and automate savings directly from your pay check.</li></ul><p><br></p><p><strong>Related Resources &amp; Links</strong></p><ul><li><strong>App Mentioned:</strong> Frollo (Free Expense Tracking &amp; Budgeting App)</li><li>🌐 Website: edaproperty.com.au</li><li>📱 Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li><li>🎧 Subscribe to She Owns It where you get your podcasts</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Are hidden spending leaks and impulse shopping holding you back from financial independence? In this episode of <em>She Owns It</em>, host Anissa Cavallo breaks down the psychological and practical reasons we overspend, from $3,000 in forgotten Apple subscriptions to $48-a-week impulse buys and provides a step-by-step framework to stop cash flow leaks for good.</p><br><p>In This Episode: Overcoming Impulse Shopping &amp; Cash Flow Leaks</p><ul><li><strong>The Income Myth:</strong> Why building wealth isn&#39;t just about making more money but managing cash flow and eliminating small recurring expenses.</li><li><strong>Australian Spending Statistics:</strong> The real cost of &quot;ghost&quot; subscriptions ($1,700/year average), household food waste ($2,000–$2,700/year), and weekly impulse shopping.</li><li><strong>The $300,000 Compound Savings Rule:</strong> How cutting 20% off retail purchases and stopping unused subscriptions turns into $140,000 in 10 years (and $300,000 in 20 years at a 7% return).</li><li><strong>The Psychology of Shopping Remorse:</strong> How dopamine drives the <em>anticipation</em> of buying rather than the joy of owning, and why payment methods like Buy Now Pay Later (BNPL) and tap-and-go remove essential spending friction.</li><li><strong>The &quot;Find, Plug, Redirect&quot; Framework:</strong> Practical strategies to audit subscriptions, enforce a 72-hour purchase pause, and automate savings directly from your pay check.</li></ul><p><br></p><p><strong>Related Resources &amp; Links</strong></p><ul><li><strong>App Mentioned:</strong> Frollo (Free Expense Tracking &amp; Budgeting App)</li><li>🌐 Website: edaproperty.com.au</li><li>📱 Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li><li>🎧 Subscribe to She Owns It where you get your podcasts</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>The Realities of Bootstrapping a Startup with Trinity Scarf</title>
			<itunes:title>The Realities of Bootstrapping a Startup with Trinity Scarf</itunes:title>
			<pubDate>Mon, 12 Oct 2026 17:00:00 GMT</pubDate>
			<itunes:duration>35:59</itunes:duration>
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			<itunes:episode>10</itunes:episode>
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			<description><![CDATA[<p><strong>A quick note from the producer:</strong> <em>Full disclosure, we actually recorded this episode over a year ago, so it’s definitely time to get Trinity back on the mic for an update on where she’s at! That said, I swung by her sanctuary just last week for a sound bath to keep my Sagittarian energy flowing, and I can confirm firsthand, she is absolutely smashing it out of the park. </em></p><br><p>In this week&#39;s episode of She Owns It, host Anissa sits down with Trinity Scarf to explore her transition from a 25-year corporate career in marketing and communications into the founder of Trinity Curated Wellness. Trinity opens up about the gritty realities of entrepreneurship, from trading a comfortable salary for 80-hour work weeks to navigating the financial hurdles of a new startup. She shares candid insights on why enforcing boundaries is a crucial form of self-love, how she manages team turnover, and the non-negotiable wellness habits that keep her grounded.</p><br><p><strong>Key Takeaways</strong></p><ul><li><strong>The Financial Leap:</strong> Trinity transitioned from a lucrative career to working 80-hour weeks for zero initial pay, emphasizing that intense financial sacrifice and reliance on savings are often standard for new founders.</li><li><strong>Embracing Mistakes:</strong> Being a founder requires making quick decisions, recognizing errors without ego, and pivoting before too much time is lost.</li><li><strong>Team Evolution: </strong>Startups often require generalists rather than specialists, and Trinity had to learn that early employees who are perfect for the first year might naturally move on as the business structure changes.</li><li><strong>Boundaries as Self-Love:</strong> Establishing firm boundaries—whether revoking early employee perks that no longer make business sense or protecting personal time—is an essential practice of self-respect and professional kindness.</li><li><strong>Non-Negotiable Grounding:</strong> Protecting eight to nine hours of sleep is Trinity&#39;s ultimate boundary, which she supports by using magnesium oil and engaging in hot-cold bathhouse therapy to regulate her nervous system.</li><li><strong>Having It All:</strong> Trinity defines true success as a blend of enjoying whatever food she wants, maintaining a happy family life, nurturing friendships, pursuing a fulfilling career, and traveling.</li></ul><p><br></p><p><strong>Related Resources &amp; Links</strong></p><ul><li><strong>Trinity Curated Wellness: </strong>An elevated &quot;home away from home&quot; sanctuary that offers a diverse range of services, including massage, bathhouse facials, breathwork, meditation, sound baths, yoga, Pilates, and an LED lounge.</li><li>Trinity website: Where you can explore the space and book treatments - https://trinityco.com.au/</li><li><a href="https://www.instagram.com/trinitycuratedwellness/" rel="noopener noreferrer" target="_blank">Follow Trinity Wellness on Instagram:</a> https://www.instagram.com/trinitycuratedwellness/</li><li><a href="edaproperty.com.au" rel="noopener noreferrer" target="_blank">EDA website</a>: edaproperty.com.au</li><li><a href="https://www.instagram.com/anissa_she_owns_it/" rel="noopener noreferrer" target="_blank">Follow Anissa Cavallo on Instagram:</a> https://www.instagram.com/anissa_she_owns_it/</li><li>Subscribe to She Owns It where you get your podcasts</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p><strong>A quick note from the producer:</strong> <em>Full disclosure, we actually recorded this episode over a year ago, so it’s definitely time to get Trinity back on the mic for an update on where she’s at! That said, I swung by her sanctuary just last week for a sound bath to keep my Sagittarian energy flowing, and I can confirm firsthand, she is absolutely smashing it out of the park. </em></p><br><p>In this week&#39;s episode of She Owns It, host Anissa sits down with Trinity Scarf to explore her transition from a 25-year corporate career in marketing and communications into the founder of Trinity Curated Wellness. Trinity opens up about the gritty realities of entrepreneurship, from trading a comfortable salary for 80-hour work weeks to navigating the financial hurdles of a new startup. She shares candid insights on why enforcing boundaries is a crucial form of self-love, how she manages team turnover, and the non-negotiable wellness habits that keep her grounded.</p><br><p><strong>Key Takeaways</strong></p><ul><li><strong>The Financial Leap:</strong> Trinity transitioned from a lucrative career to working 80-hour weeks for zero initial pay, emphasizing that intense financial sacrifice and reliance on savings are often standard for new founders.</li><li><strong>Embracing Mistakes:</strong> Being a founder requires making quick decisions, recognizing errors without ego, and pivoting before too much time is lost.</li><li><strong>Team Evolution: </strong>Startups often require generalists rather than specialists, and Trinity had to learn that early employees who are perfect for the first year might naturally move on as the business structure changes.</li><li><strong>Boundaries as Self-Love:</strong> Establishing firm boundaries—whether revoking early employee perks that no longer make business sense or protecting personal time—is an essential practice of self-respect and professional kindness.</li><li><strong>Non-Negotiable Grounding:</strong> Protecting eight to nine hours of sleep is Trinity&#39;s ultimate boundary, which she supports by using magnesium oil and engaging in hot-cold bathhouse therapy to regulate her nervous system.</li><li><strong>Having It All:</strong> Trinity defines true success as a blend of enjoying whatever food she wants, maintaining a happy family life, nurturing friendships, pursuing a fulfilling career, and traveling.</li></ul><p><br></p><p><strong>Related Resources &amp; Links</strong></p><ul><li><strong>Trinity Curated Wellness: </strong>An elevated &quot;home away from home&quot; sanctuary that offers a diverse range of services, including massage, bathhouse facials, breathwork, meditation, sound baths, yoga, Pilates, and an LED lounge.</li><li>Trinity website: Where you can explore the space and book treatments - https://trinityco.com.au/</li><li><a href="https://www.instagram.com/trinitycuratedwellness/" rel="noopener noreferrer" target="_blank">Follow Trinity Wellness on Instagram:</a> https://www.instagram.com/trinitycuratedwellness/</li><li><a href="edaproperty.com.au" rel="noopener noreferrer" target="_blank">EDA website</a>: edaproperty.com.au</li><li><a href="https://www.instagram.com/anissa_she_owns_it/" rel="noopener noreferrer" target="_blank">Follow Anissa Cavallo on Instagram:</a> https://www.instagram.com/anissa_she_owns_it/</li><li>Subscribe to She Owns It where you get your podcasts</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title><![CDATA[Interest Rates, Inflation & Property: What the Headlines Aren’t Telling You ]]></title>
			<itunes:title><![CDATA[Interest Rates, Inflation & Property: What the Headlines Aren’t Telling You ]]></itunes:title>
			<pubDate>Mon, 05 Oct 2026 17:00:00 GMT</pubDate>
			<itunes:duration>28:00</itunes:duration>
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			<itunes:subtitle>edaproperty.com.au</itunes:subtitle>
			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>9</itunes:episode>
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			<description><![CDATA[<p>In this episode of <strong><em>She Owns It</em></strong>, host Anissa Cavallo breaks down the economic concepts every investor needs to understand to achieve true financial independence. With constant doom-and-gloom headlines about rising interest rates, property price drops, and potential stagnation, separating noise from truth is harder than ever. Anissa cuts through the panic, laying out five foundational economic principles that explain how market cycles actually work and why a long-term approach is the key to building wealth.</p><p><strong>Key Takeaways:</strong></p><ul><li>Separating Noise from Truth: Headline forecasts are often short-term (looking 3 months ahead) and frequently miss the mark, whereas property is a long-term investment asset.</li><li>The 9-Year Rule: Historically, over 91% of Australian residential properties held for 9–10+ years made a profit, while short-term holders (&lt;4 years) were far more likely to experience losses.</li><li>Understanding Inflation: Inflation devalues the purchasing power of your money over time—but it also erodes the real value of fixed debt over long timeframes.</li><li>The Reality of Interest Rates: The long-term historical average interest rate sits around 5%. Today&#39;s environment isn&#39;t at record highs; it&#39;s a return to normal following an unprecedented 15-year stretch of low rates.</li><li>Supply &amp; Demand as the Core Engine: Interest rate changes create short-term market friction, but long-term property values are ultimately driven by population growth and structural housing shortages.</li></ul><p><strong>The 5 Economic Essentials Covered:</strong></p><ol><li><strong>Inflation:</strong> How it erodes savings, impacts debt, and why simply holding cash won&#39;t build long-term wealth.</li><li><strong>Interest Rates &amp; the RBA:</strong> Why the Reserve Bank uses rate levers to manage inflation and what &quot;normal&quot; interest rates look like.</li><li><strong>Economic Cycles: </strong>Recognising that market downturns occur roughly every decade and why holding through them is crucial.</li><li><strong>Supply vs. Demand: </strong>Why a persistent shortage of housing creates long-term upward pressure on property prices.</li><li><strong>Global Impacts vs. Local Realities: </strong>How international events (oil prices, US markets, wars) trickle into Australia&#39;s economy and how to evaluate what truly matters to your assets.</li></ol><p><br></p><p><strong>Related Resources &amp; Links</strong></p><ul><li>🌐 Website: edaproperty.com.au</li><li>📱 Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li><li>🎧 Subscribe to She Owns It where you get your podcasts</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert. </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In this episode of <strong><em>She Owns It</em></strong>, host Anissa Cavallo breaks down the economic concepts every investor needs to understand to achieve true financial independence. With constant doom-and-gloom headlines about rising interest rates, property price drops, and potential stagnation, separating noise from truth is harder than ever. Anissa cuts through the panic, laying out five foundational economic principles that explain how market cycles actually work and why a long-term approach is the key to building wealth.</p><p><strong>Key Takeaways:</strong></p><ul><li>Separating Noise from Truth: Headline forecasts are often short-term (looking 3 months ahead) and frequently miss the mark, whereas property is a long-term investment asset.</li><li>The 9-Year Rule: Historically, over 91% of Australian residential properties held for 9–10+ years made a profit, while short-term holders (&lt;4 years) were far more likely to experience losses.</li><li>Understanding Inflation: Inflation devalues the purchasing power of your money over time—but it also erodes the real value of fixed debt over long timeframes.</li><li>The Reality of Interest Rates: The long-term historical average interest rate sits around 5%. Today&#39;s environment isn&#39;t at record highs; it&#39;s a return to normal following an unprecedented 15-year stretch of low rates.</li><li>Supply &amp; Demand as the Core Engine: Interest rate changes create short-term market friction, but long-term property values are ultimately driven by population growth and structural housing shortages.</li></ul><p><strong>The 5 Economic Essentials Covered:</strong></p><ol><li><strong>Inflation:</strong> How it erodes savings, impacts debt, and why simply holding cash won&#39;t build long-term wealth.</li><li><strong>Interest Rates &amp; the RBA:</strong> Why the Reserve Bank uses rate levers to manage inflation and what &quot;normal&quot; interest rates look like.</li><li><strong>Economic Cycles: </strong>Recognising that market downturns occur roughly every decade and why holding through them is crucial.</li><li><strong>Supply vs. Demand: </strong>Why a persistent shortage of housing creates long-term upward pressure on property prices.</li><li><strong>Global Impacts vs. Local Realities: </strong>How international events (oil prices, US markets, wars) trickle into Australia&#39;s economy and how to evaluate what truly matters to your assets.</li></ol><p><br></p><p><strong>Related Resources &amp; Links</strong></p><ul><li>🌐 Website: edaproperty.com.au</li><li>📱 Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li><li>🎧 Subscribe to She Owns It where you get your podcasts</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert. </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Real Estate to Feng Shui: How Spatial Energy Drives Wealth & Alignment with Kelly McCloskey]]></title>
			<itunes:title><![CDATA[Real Estate to Feng Shui: How Spatial Energy Drives Wealth & Alignment with Kelly McCloskey]]></itunes:title>
			<pubDate>Mon, 28 Sep 2026 19:00:00 GMT</pubDate>
			<itunes:duration>36:45</itunes:duration>
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			<acast:episodeUrl>real-estate-to-feng-shui-how-spatial-energy-drives-wealth-al</acast:episodeUrl>
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			<itunes:episode>8</itunes:episode>
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			<description><![CDATA[<p>Are you feeling stuck in your career, experiencing burnout, or wondering why certain areas of your life feel off? In this episode of She Owns It, host Anissa Cavallo sits down with Classical Feng Shui Master Kelly McCloskey to discuss her dramatic career pivot from top-tier Melbourne real estate agent to spatial energy expert. Kelly shares how the physical layout, architecture, and energy flow of your home or office directly impact your financial growth, career opportunities, relationships, and physical health. Plus, she breaks down actionable Feng Shui design rules you can apply immediately to optimise your workspace and home environment.</p><p><strong>In this episode, we explore:</strong></p><ul><li>The Big Career Pivot: Quitting a high-performing corporate real estate career to follow purpose and alignment.</li><li>Classical Feng Shui vs. Trends: Why authentic Tang Dynasty Feng Shui is rooted in natural elements and math, not &quot;new age trinkets&quot;.</li><li>Desk &amp; Office Setup: Why you should never put a desk in your bedroom and how backing your seat against a solid wall boosts focus and authority.</li><li>The Heart of the Home: How keeping the center of your house open prevents energy blockages in health and income.</li></ul><p><strong>Connect with Kelly McCloskey:</strong></p><ul><li>Website: <u><a href="https://kellymccloskey.com" rel="noopener noreferrer" target="_blank">kellymccloskey.com</a></u></li><li>Instagram: <u><a href="https://instagram.com/kellymccloskey_" rel="noopener noreferrer" target="_blank">@kellymccloskey_</a></u></li></ul><p><strong>Connect &amp; Follow Anissa Cavallo:</strong></p><ul><li>Podcast: She Owns It</li><li>Instagram: <u><a href="https://instagram.com/anissa_she_owns_it" rel="noopener noreferrer" target="_blank">@anissa_she_owns_it</a></u></li><li><strong>Property Investment Advisor Australia: EDA Property</strong></li></ul><p><strong>Production &amp; Distribution:</strong></p><ul><li>Executive Producer &amp; Audio Strategy: Dash Made Studios</li></ul><p><u><a href="https://l.instagram.com/?u=http%3A%2F%2Fwww.dashmade.com.au%2F%3Futm_source%3Dig%26utm_medium%3Dsocial%26utm_content%3Dlink_in_bio%26fbclid%3DPAZXh0bgNhZW0CMTEAcGRvZgJzcnRjBmFwcF9pZA85MzY2MTk3NDMzOTI0NTkAAadaqERfWmUChjVpL7_oV1GadTuw04uuF0Qdo_VvC-epoLI9NSj3Yzf6TQF1-Q_aem_YX7qvlXnWjHEodSfD5baMw&amp;e=AUCvtZOkXd9ff9Wv5iwYRdDHkiAPPXlf3QdzXtzt9VElZYo1uM_vzvMUiWMtFGDYXWkmoMnN3jXn1YHOAe2BsgrjWWm_O06ug8jPTxXwMPx4tMCWSN8qFQ1bzRaMRZvv5KR5fFzV_yHRu07_NUJlNZIxImuO" rel="noopener noreferrer" target="_blank">www.dashmade.com.au</a></u></p><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. Before making any financial decision, please seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Are you feeling stuck in your career, experiencing burnout, or wondering why certain areas of your life feel off? In this episode of She Owns It, host Anissa Cavallo sits down with Classical Feng Shui Master Kelly McCloskey to discuss her dramatic career pivot from top-tier Melbourne real estate agent to spatial energy expert. Kelly shares how the physical layout, architecture, and energy flow of your home or office directly impact your financial growth, career opportunities, relationships, and physical health. Plus, she breaks down actionable Feng Shui design rules you can apply immediately to optimise your workspace and home environment.</p><p><strong>In this episode, we explore:</strong></p><ul><li>The Big Career Pivot: Quitting a high-performing corporate real estate career to follow purpose and alignment.</li><li>Classical Feng Shui vs. Trends: Why authentic Tang Dynasty Feng Shui is rooted in natural elements and math, not &quot;new age trinkets&quot;.</li><li>Desk &amp; Office Setup: Why you should never put a desk in your bedroom and how backing your seat against a solid wall boosts focus and authority.</li><li>The Heart of the Home: How keeping the center of your house open prevents energy blockages in health and income.</li></ul><p><strong>Connect with Kelly McCloskey:</strong></p><ul><li>Website: <u><a href="https://kellymccloskey.com" rel="noopener noreferrer" target="_blank">kellymccloskey.com</a></u></li><li>Instagram: <u><a href="https://instagram.com/kellymccloskey_" rel="noopener noreferrer" target="_blank">@kellymccloskey_</a></u></li></ul><p><strong>Connect &amp; Follow Anissa Cavallo:</strong></p><ul><li>Podcast: She Owns It</li><li>Instagram: <u><a href="https://instagram.com/anissa_she_owns_it" rel="noopener noreferrer" target="_blank">@anissa_she_owns_it</a></u></li><li><strong>Property Investment Advisor Australia: EDA Property</strong></li></ul><p><strong>Production &amp; Distribution:</strong></p><ul><li>Executive Producer &amp; Audio Strategy: Dash Made Studios</li></ul><p><u><a href="https://l.instagram.com/?u=http%3A%2F%2Fwww.dashmade.com.au%2F%3Futm_source%3Dig%26utm_medium%3Dsocial%26utm_content%3Dlink_in_bio%26fbclid%3DPAZXh0bgNhZW0CMTEAcGRvZgJzcnRjBmFwcF9pZA85MzY2MTk3NDMzOTI0NTkAAadaqERfWmUChjVpL7_oV1GadTuw04uuF0Qdo_VvC-epoLI9NSj3Yzf6TQF1-Q_aem_YX7qvlXnWjHEodSfD5baMw&amp;e=AUCvtZOkXd9ff9Wv5iwYRdDHkiAPPXlf3QdzXtzt9VElZYo1uM_vzvMUiWMtFGDYXWkmoMnN3jXn1YHOAe2BsgrjWWm_O06ug8jPTxXwMPx4tMCWSN8qFQ1bzRaMRZvv5KR5fFzV_yHRu07_NUJlNZIxImuO" rel="noopener noreferrer" target="_blank">www.dashmade.com.au</a></u></p><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. Before making any financial decision, please seek professional advice from a licensed financial advisor, accountant, or legal expert.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Small Business Funding Options: Using Property Equity vs. Business Loans</title>
			<itunes:title>Small Business Funding Options: Using Property Equity vs. Business Loans</itunes:title>
			<pubDate>Tue, 22 Sep 2026 03:00:00 GMT</pubDate>
			<itunes:duration>21:27</itunes:duration>
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			<itunes:episodeType>full</itunes:episodeType>
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			<itunes:episode>7</itunes:episode>
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			<description><![CDATA[<p>How can small business owners secure capital without taking on high-interest debt or burning through personal savings? In this episode of She Owns It with Anissa Cavallo, Anissa breaks down why over 50% of small businesses fail within three years and how strategic capital deployment can protect your venture. Whether you are navigating a corporate exit, transitioning after a life change, or scaling a growing brand, managing small business cash flow is your highest priority. We explore the difference between traditional business loans and leveraging tangible assets like property equity to fund growth, reduce risk, and maintain financial security.</p><br><p><strong>Key Takeaways &amp; Topics</strong></p><p><strong>Why Small Businesses Fail in the First 3 Years</strong></p><ul><li>The 60% Failure Rate: The vast majority of early-stage small businesses shut down due to a lack of access to capital and cash flow drag rather than a lack of profitability.</li><li>Women in Small Business: Women now account for 36% to 40% of small business owners, often turning to entrepreneurship for flexible working arrangements while managing caretaking responsibilities.</li></ul><p><strong>Small Business Cash Flow Drag Explained</strong></p><ul><li>Profitable on Paper, Broke in the Bank: Long payment delays (sometimes up to two years) mean owners must cover upfront operational costs long before revenue arrives.</li><li>The Risk of Depleting Savings: Funding cash flow delays directly out of personal savings leads to financial depletion rather than long-term asset growth.</li></ul><p><strong>Small Business Loans vs. Raising Capital vs. Property Equity</strong></p><ul><li>Traditional Raising Barriers: Pitching investors or issuing offer documents requires specialised financial literacy and significant upfront costs.</li><li>High Interest Rates on Business Debt: Bank loans for startups carry high interest rates due to a lack of established business balance sheets.</li><li>The Property Equity Strategy: Borrowing against a tangible asset like residential property offers significantly lower interest rates while the underlying property continues to appreciate in value.</li></ul><p><strong>Mindset &amp; Financial Literacy for Entrepreneurs</strong></p><ul><li>Getting Comfortable with Discomfort: Making significant business transitions requires accepting calculated financial risks and trusting specialised advice.</li></ul><p><br></p><p><strong>Frequently Asked Questions </strong></p><p>Q: What is the primary reason small businesses fail?</p><p>A: Up to 60% of small businesses fail within three years, primarily due to poor cash flow management, inadequate startup capital, and an inability to fund operational gaps before receiving payments.</p><p>Q: How can I fund my small business without a traditional loan?</p><p>A: Small business owners with real estate assets can leverage property equity. Borrowing against property generally yields lower interest rates than traditional business loans or commercial lines of credit, allowing you to fund growth while the underlying asset appreciates.&nbsp;</p><br><p><strong>Related Resources &amp; Links</strong></p><ul><li>🌐 Website: edaproperty.com.au</li><li>📱 Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li><li>🎧 Subscribe to She Owns It where you get your podcasts</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.&nbsp;</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>How can small business owners secure capital without taking on high-interest debt or burning through personal savings? In this episode of She Owns It with Anissa Cavallo, Anissa breaks down why over 50% of small businesses fail within three years and how strategic capital deployment can protect your venture. Whether you are navigating a corporate exit, transitioning after a life change, or scaling a growing brand, managing small business cash flow is your highest priority. We explore the difference between traditional business loans and leveraging tangible assets like property equity to fund growth, reduce risk, and maintain financial security.</p><br><p><strong>Key Takeaways &amp; Topics</strong></p><p><strong>Why Small Businesses Fail in the First 3 Years</strong></p><ul><li>The 60% Failure Rate: The vast majority of early-stage small businesses shut down due to a lack of access to capital and cash flow drag rather than a lack of profitability.</li><li>Women in Small Business: Women now account for 36% to 40% of small business owners, often turning to entrepreneurship for flexible working arrangements while managing caretaking responsibilities.</li></ul><p><strong>Small Business Cash Flow Drag Explained</strong></p><ul><li>Profitable on Paper, Broke in the Bank: Long payment delays (sometimes up to two years) mean owners must cover upfront operational costs long before revenue arrives.</li><li>The Risk of Depleting Savings: Funding cash flow delays directly out of personal savings leads to financial depletion rather than long-term asset growth.</li></ul><p><strong>Small Business Loans vs. Raising Capital vs. Property Equity</strong></p><ul><li>Traditional Raising Barriers: Pitching investors or issuing offer documents requires specialised financial literacy and significant upfront costs.</li><li>High Interest Rates on Business Debt: Bank loans for startups carry high interest rates due to a lack of established business balance sheets.</li><li>The Property Equity Strategy: Borrowing against a tangible asset like residential property offers significantly lower interest rates while the underlying property continues to appreciate in value.</li></ul><p><strong>Mindset &amp; Financial Literacy for Entrepreneurs</strong></p><ul><li>Getting Comfortable with Discomfort: Making significant business transitions requires accepting calculated financial risks and trusting specialised advice.</li></ul><p><br></p><p><strong>Frequently Asked Questions </strong></p><p>Q: What is the primary reason small businesses fail?</p><p>A: Up to 60% of small businesses fail within three years, primarily due to poor cash flow management, inadequate startup capital, and an inability to fund operational gaps before receiving payments.</p><p>Q: How can I fund my small business without a traditional loan?</p><p>A: Small business owners with real estate assets can leverage property equity. Borrowing against property generally yields lower interest rates than traditional business loans or commercial lines of credit, allowing you to fund growth while the underlying asset appreciates.&nbsp;</p><br><p><strong>Related Resources &amp; Links</strong></p><ul><li>🌐 Website: edaproperty.com.au</li><li>📱 Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li><li>🎧 Subscribe to She Owns It where you get your podcasts</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.&nbsp;</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[The Reality of Australian Femicide & Grassroots Action | Sherele Moody]]></title>
			<itunes:title><![CDATA[The Reality of Australian Femicide & Grassroots Action | Sherele Moody]]></itunes:title>
			<pubDate>Tue, 15 Sep 2026 03:00:00 GMT</pubDate>
			<itunes:duration>50:23</itunes:duration>
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			<itunes:subtitle>Journalist and advocate Sherele Moody exposes media bias and discusses documenting domestic violence with the Australian Femicide Watch.</itunes:subtitle>
			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>6</itunes:episode>
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			<description><![CDATA[<p>What does it take to track every single domestic femicide in Australia when newsrooms and policies fail to cover the truth? In this episode, host Anissa Cavallo sits down with advocate, journalist, and founder of <strong>Australian Femicide Watch</strong>, <strong>Sherele Moody</strong>. Sherele opens up about the personal story that ignited her advocacy work, the newsroom pushback that inspired the <strong>Red Heart Campaign</strong>, and the relentless reality of documenting violence against women across the nation.</p><p>Together, we unpack the intersection of financial dependence, coercive control, and domestic violence, exploring why leaving a relationship is often the most dangerous time for a survivor, how Australia&#39;s housing crisis leaves women trapped, and how grassroots projects like <strong>Stacey’s Sanctuary</strong> are providing safety where systemic policy falls short.</p><br><p>In This Episode, We Cover:</p><ul><li><strong>The Origin of the Red Heart Campaign:</strong> How media pushback led to independent, grassroots tracking of domestic violence deaths.</li><li><strong>Coercive Control &amp; Financial Abuse:</strong> How financial dependence is weaponized to prevent survivors from leaving.</li><li><strong>The Danger Zone of Leaving:</strong> Understanding why the period immediately after separation carries the highest risk of severe violence.</li><li><strong>Systemic Housing Shortages:</strong> How the lack of transitional and long-term emergency housing impacts survivor safety.</li><li><strong>Grassroots Solutions:</strong> How Stacey’s Sanctuary and local initiatives are creating practical pathways out of domestic violence.</li></ul><p>Crisis &amp; Emergency Support Services</p><ul><li><strong>Immediate Danger:</strong> Call <strong>000</strong> immediately if you or someone you know is in danger.</li><li><strong>1800RESPECT:</strong> Call 1800 737 732 or text 0458 737 732 (24/7 National Domestic, Family &amp; Sexual Violence Counselling Service) | <u><a href="https://www.1800respect.org.au" rel="noopener noreferrer" target="_blank">1800respect.org.au</a></u></li><li><strong>Safe Steps (Victoria):</strong> Call 1800 015 188 (24/7 Family Violence Crisis &amp; Support Response) | <u><a href="https://www.safesteps.org.au" rel="noopener noreferrer" target="_blank">safesteps.org.au</a></u></li><li><strong>Orange Door (Victoria):</strong> Local access point for women, children, and families seeking support for family violence | <u><a href="https://www.orangedoor.vic.gov.au" rel="noopener noreferrer" target="_blank">orangedoor.vic.gov.au</a></u></li><li><strong>13YARN:</strong> Call 13 92 76 (24/7 National Crisis Support for First Nations people) | <u><a href="https://www.13yarn.org.au" rel="noopener noreferrer" target="_blank">13yarn.org.au</a></u></li><li><strong>Lifeline:</strong> Call 13 11 14 (24/7 Crisis Support) | <u><a href="https://www.lifeline.org.au" rel="noopener noreferrer" target="_blank">lifeline.org.au</a></u></li></ul><p><br></p><p>Connect with Sherele Moody &amp; Support Her Work</p><ul><li><strong>Australian Femicide Watch:</strong> Explore the Memorial Database, view the Red Heart Campaign, or donate at <u><a href="https://australianfemicidewatch.org" rel="noopener noreferrer" target="_blank">australianfemicidewatch.org</a></u></li><li><strong>The She Matters Podcast:</strong> Available on all major streaming platforms or via <u><a href="https://australianfemicidewatch.org" rel="noopener noreferrer" target="_blank">australianfemicidewatch.org</a></u></li><li><strong>Merchandise &amp; Direct Support:</strong> Purchase RED HEART merchandise or donate directly via <u><a href="https://australianfemicidewatch.org" rel="noopener noreferrer" target="_blank">australianfemicidewatch.org</a></u></li></ul><p><br></p><p>Community Housing, Referral &amp; Furniture Support Services</p><ul><li><strong>Elizabeth Morgan House (VIC):</strong> Specialist family violence support and accommodation for Aboriginal women and children | <u><a href="https://emhaws.org.au" rel="noopener noreferrer" target="_blank">emhaws.org.au</a></u></li><li><strong>Re-Generate:</strong> Community organization assisting with pre-loved goods and furniture for transitional setups.</li><li><strong>You Matter (VIC):</strong> Setting up and furnishing transitional homes for women and dependents escaping family violence | <u><a href="https://youmatter.org.au" rel="noopener noreferrer" target="_blank">youmatter.org.au</a></u></li><li><strong>RizeUp (QLD):</strong> Practical support and home setup programs for families moving into safety | <u><a href="https://rizeup.com.au" rel="noopener noreferrer" target="_blank">rizeup.com.au</a></u></li></ul><p><br></p><p><em>Sherele Moody, Australian Femicide Watch, Red Heart Campaign, domestic violence Australia, coercive control, financial abuse, domestic violence housing crisis, Stacey&#39;s Sanctuary, She Matters podcast, emergency crisis support Australia.</em></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>What does it take to track every single domestic femicide in Australia when newsrooms and policies fail to cover the truth? In this episode, host Anissa Cavallo sits down with advocate, journalist, and founder of <strong>Australian Femicide Watch</strong>, <strong>Sherele Moody</strong>. Sherele opens up about the personal story that ignited her advocacy work, the newsroom pushback that inspired the <strong>Red Heart Campaign</strong>, and the relentless reality of documenting violence against women across the nation.</p><p>Together, we unpack the intersection of financial dependence, coercive control, and domestic violence, exploring why leaving a relationship is often the most dangerous time for a survivor, how Australia&#39;s housing crisis leaves women trapped, and how grassroots projects like <strong>Stacey’s Sanctuary</strong> are providing safety where systemic policy falls short.</p><br><p>In This Episode, We Cover:</p><ul><li><strong>The Origin of the Red Heart Campaign:</strong> How media pushback led to independent, grassroots tracking of domestic violence deaths.</li><li><strong>Coercive Control &amp; Financial Abuse:</strong> How financial dependence is weaponized to prevent survivors from leaving.</li><li><strong>The Danger Zone of Leaving:</strong> Understanding why the period immediately after separation carries the highest risk of severe violence.</li><li><strong>Systemic Housing Shortages:</strong> How the lack of transitional and long-term emergency housing impacts survivor safety.</li><li><strong>Grassroots Solutions:</strong> How Stacey’s Sanctuary and local initiatives are creating practical pathways out of domestic violence.</li></ul><p>Crisis &amp; Emergency Support Services</p><ul><li><strong>Immediate Danger:</strong> Call <strong>000</strong> immediately if you or someone you know is in danger.</li><li><strong>1800RESPECT:</strong> Call 1800 737 732 or text 0458 737 732 (24/7 National Domestic, Family &amp; Sexual Violence Counselling Service) | <u><a href="https://www.1800respect.org.au" rel="noopener noreferrer" target="_blank">1800respect.org.au</a></u></li><li><strong>Safe Steps (Victoria):</strong> Call 1800 015 188 (24/7 Family Violence Crisis &amp; Support Response) | <u><a href="https://www.safesteps.org.au" rel="noopener noreferrer" target="_blank">safesteps.org.au</a></u></li><li><strong>Orange Door (Victoria):</strong> Local access point for women, children, and families seeking support for family violence | <u><a href="https://www.orangedoor.vic.gov.au" rel="noopener noreferrer" target="_blank">orangedoor.vic.gov.au</a></u></li><li><strong>13YARN:</strong> Call 13 92 76 (24/7 National Crisis Support for First Nations people) | <u><a href="https://www.13yarn.org.au" rel="noopener noreferrer" target="_blank">13yarn.org.au</a></u></li><li><strong>Lifeline:</strong> Call 13 11 14 (24/7 Crisis Support) | <u><a href="https://www.lifeline.org.au" rel="noopener noreferrer" target="_blank">lifeline.org.au</a></u></li></ul><p><br></p><p>Connect with Sherele Moody &amp; Support Her Work</p><ul><li><strong>Australian Femicide Watch:</strong> Explore the Memorial Database, view the Red Heart Campaign, or donate at <u><a href="https://australianfemicidewatch.org" rel="noopener noreferrer" target="_blank">australianfemicidewatch.org</a></u></li><li><strong>The She Matters Podcast:</strong> Available on all major streaming platforms or via <u><a href="https://australianfemicidewatch.org" rel="noopener noreferrer" target="_blank">australianfemicidewatch.org</a></u></li><li><strong>Merchandise &amp; Direct Support:</strong> Purchase RED HEART merchandise or donate directly via <u><a href="https://australianfemicidewatch.org" rel="noopener noreferrer" target="_blank">australianfemicidewatch.org</a></u></li></ul><p><br></p><p>Community Housing, Referral &amp; Furniture Support Services</p><ul><li><strong>Elizabeth Morgan House (VIC):</strong> Specialist family violence support and accommodation for Aboriginal women and children | <u><a href="https://emhaws.org.au" rel="noopener noreferrer" target="_blank">emhaws.org.au</a></u></li><li><strong>Re-Generate:</strong> Community organization assisting with pre-loved goods and furniture for transitional setups.</li><li><strong>You Matter (VIC):</strong> Setting up and furnishing transitional homes for women and dependents escaping family violence | <u><a href="https://youmatter.org.au" rel="noopener noreferrer" target="_blank">youmatter.org.au</a></u></li><li><strong>RizeUp (QLD):</strong> Practical support and home setup programs for families moving into safety | <u><a href="https://rizeup.com.au" rel="noopener noreferrer" target="_blank">rizeup.com.au</a></u></li></ul><p><br></p><p><em>Sherele Moody, Australian Femicide Watch, Red Heart Campaign, domestic violence Australia, coercive control, financial abuse, domestic violence housing crisis, Stacey&#39;s Sanctuary, She Matters podcast, emergency crisis support Australia.</em></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title><![CDATA[Financial Freedom for Women: Overcoming Risk, Yield & Sacrifice]]></title>
			<itunes:title><![CDATA[Financial Freedom for Women: Overcoming Risk, Yield & Sacrifice]]></itunes:title>
			<pubDate>Tue, 08 Sep 2026 03:00:00 GMT</pubDate>
			<itunes:duration>32:10</itunes:duration>
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			<itunes:episode>5</itunes:episode>
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			<description><![CDATA[<p>True financial independence for women requires moving from passive saving to active wealth building. In this episode of She Owns It, host Anissa Cavallo breaks down the three biggest hurdles holding women back from achieving long-term financial security: managing investment risk, mastering financial literacy and terminology, and choosing long-term wealth over short-term lifestyle inflation.</p><p>Whether you want to learn how leverage accelerates property investment or how to calculate your retirement yield, this episode provides actionable strategies to protect yourself from financial vulnerability and build real passive income.</p><br><p><strong>Key Takeaways &amp; Financial Terminology Defined</strong></p><ul><li>Yield: The income an investment generates (e.g., rental income or stock dividends) that creates passive income for your daily life.</li><li>Capital Growth: The increase in the underlying value of an asset over time, which rapidly accelerates your overall net worth.</li><li>Leverage: Using borrowed capital to multiply your buying power so your returns grow on a larger asset base.</li><li>Calculating Retirement Income: Using a standard 5% average yield to work backward from your ideal annual passive income target to determine your required net worth.</li></ul><p><br></p><p><strong>Related Resources &amp; Links</strong></p><ul><li>🌐 Website: edaproperty.com.au</li><li>📱 Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li><li>🎧 Subscribe to She Owns It where you get your podcasts</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.&nbsp;</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>True financial independence for women requires moving from passive saving to active wealth building. In this episode of She Owns It, host Anissa Cavallo breaks down the three biggest hurdles holding women back from achieving long-term financial security: managing investment risk, mastering financial literacy and terminology, and choosing long-term wealth over short-term lifestyle inflation.</p><p>Whether you want to learn how leverage accelerates property investment or how to calculate your retirement yield, this episode provides actionable strategies to protect yourself from financial vulnerability and build real passive income.</p><br><p><strong>Key Takeaways &amp; Financial Terminology Defined</strong></p><ul><li>Yield: The income an investment generates (e.g., rental income or stock dividends) that creates passive income for your daily life.</li><li>Capital Growth: The increase in the underlying value of an asset over time, which rapidly accelerates your overall net worth.</li><li>Leverage: Using borrowed capital to multiply your buying power so your returns grow on a larger asset base.</li><li>Calculating Retirement Income: Using a standard 5% average yield to work backward from your ideal annual passive income target to determine your required net worth.</li></ul><p><br></p><p><strong>Related Resources &amp; Links</strong></p><ul><li>🌐 Website: edaproperty.com.au</li><li>📱 Follow Anissa Cavallo on Instagram: anissa_she_owns_it</li><li>🎧 Subscribe to She Owns It where you get your podcasts</li></ul><p><br></p><p><strong>Enjoyed this episode? Please leave a 5-star rating and review on Apple Podcasts to help more women take control of their financial future!</strong></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.&nbsp;</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
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			<title>From $800,000 in Debt to ARIA Award-Winner with Michelle Grace Hunder</title>
			<itunes:title>From $800,000 in Debt to ARIA Award-Winner with Michelle Grace Hunder</itunes:title>
			<pubDate>Tue, 01 Sep 2026 18:00:00 GMT</pubDate>
			<itunes:duration>43:52</itunes:duration>
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			<itunes:subtitle>Michelle Grace Hunder</itunes:subtitle>
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			<itunes:episode>4</itunes:episode>
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			<description><![CDATA[<p>How do you bounce back when a business collapse leaves you $800,000 in debt? In this episode, host <strong>Anissa</strong> sits down with ARIA Award-winning music photographer and creative director <strong>Michelle Grace Hunder</strong>. Michelle candidly shares the devastating aftermath of the Mod Dance Company collapse, the crushing financial reality that followed, and the exact mindset shifts that saved her. From corporate temping jobs to rebuilding her creative career from the ground up, Michelle breaks down the practical, no-nonsense steps she took to regain financial resilience and build a thriving studio. Whether you are an entrepreneur, creative professional, or business owner facing a setback, this conversation is packed with actionable lessons on recovery, adaptability, and self-belief.</p><br><p>Listen now and get ready to reclaim your power!</p><p>In This Episode, We Cover:</p><ul><li><strong>The $800,000 Collapse:</strong> The reality of business failure and dealing with overwhelming debt.</li><li><strong>Survival &amp; Temping:</strong> How stepping into corporate temp work provided a financial bridge and fresh perspective.</li><li><strong>Mindset Shifts for Recovery:</strong> Overcoming shame, taking radical ownership, and pivoting toward resilience.</li><li><strong>Rebuilding a Creative Career:</strong> From starting over to becoming an ARIA-winning music photographer and creative director.</li><li><strong>Got Next Studios &amp; Her Sound, Her Story:</strong> Launching major documentary and creative studio projects after rock bottom.</li></ul><p>Connect with Michelle Grace Hunder</p><ul><li><strong>Website &amp; Portfolio:</strong> <u><a href="https://www.michellegracehunder.com" rel="noopener noreferrer" target="_blank">michellegracehunder.com</a></u></li><li><strong>Instagram:</strong> <u><a href="https://www.instagram.com/michelleghunder/" rel="noopener noreferrer" target="_blank">@michelleghunder</a></u></li><li><strong>Creative Home / Studio:</strong> <u><a href="https://www.michellegracehunder.com/about-mgh" rel="noopener noreferrer" target="_blank">Got Next Studios</a></u></li><li><strong>Film &amp; Documentary:</strong> <u><a href="https://www.hersoundherstory.com" rel="noopener noreferrer" target="_blank">Her Sound, Her Story</a></u></li><li><strong>Direct Email:</strong> hello@michellegracehunder.com</li></ul><p>Connect with Your Host, Anissa</p><ul><li><strong>Instagram:</strong> <u><a href="https://www.instagram.com/anissacavallo/" rel="noopener noreferrer" target="_blank">@anissacavallo</a></u></li><li><strong>Property &amp; Wealth Advisory:</strong> <u><a href="https://edaproperty.com.au/" rel="noopener noreferrer" target="_blank">EDA Property</a></u></li></ul><p><br></p><p><em>Michelle Grace Hunder, Anissa, business failure recovery, overcoming major debt, creative career pivot, ARIA winning photographer, financial resilience, Mod Dance Company, Her Sound Her Story, Got Next Studios, EDA Property.</em></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>How do you bounce back when a business collapse leaves you $800,000 in debt? In this episode, host <strong>Anissa</strong> sits down with ARIA Award-winning music photographer and creative director <strong>Michelle Grace Hunder</strong>. Michelle candidly shares the devastating aftermath of the Mod Dance Company collapse, the crushing financial reality that followed, and the exact mindset shifts that saved her. From corporate temping jobs to rebuilding her creative career from the ground up, Michelle breaks down the practical, no-nonsense steps she took to regain financial resilience and build a thriving studio. Whether you are an entrepreneur, creative professional, or business owner facing a setback, this conversation is packed with actionable lessons on recovery, adaptability, and self-belief.</p><br><p>Listen now and get ready to reclaim your power!</p><p>In This Episode, We Cover:</p><ul><li><strong>The $800,000 Collapse:</strong> The reality of business failure and dealing with overwhelming debt.</li><li><strong>Survival &amp; Temping:</strong> How stepping into corporate temp work provided a financial bridge and fresh perspective.</li><li><strong>Mindset Shifts for Recovery:</strong> Overcoming shame, taking radical ownership, and pivoting toward resilience.</li><li><strong>Rebuilding a Creative Career:</strong> From starting over to becoming an ARIA-winning music photographer and creative director.</li><li><strong>Got Next Studios &amp; Her Sound, Her Story:</strong> Launching major documentary and creative studio projects after rock bottom.</li></ul><p>Connect with Michelle Grace Hunder</p><ul><li><strong>Website &amp; Portfolio:</strong> <u><a href="https://www.michellegracehunder.com" rel="noopener noreferrer" target="_blank">michellegracehunder.com</a></u></li><li><strong>Instagram:</strong> <u><a href="https://www.instagram.com/michelleghunder/" rel="noopener noreferrer" target="_blank">@michelleghunder</a></u></li><li><strong>Creative Home / Studio:</strong> <u><a href="https://www.michellegracehunder.com/about-mgh" rel="noopener noreferrer" target="_blank">Got Next Studios</a></u></li><li><strong>Film &amp; Documentary:</strong> <u><a href="https://www.hersoundherstory.com" rel="noopener noreferrer" target="_blank">Her Sound, Her Story</a></u></li><li><strong>Direct Email:</strong> hello@michellegracehunder.com</li></ul><p>Connect with Your Host, Anissa</p><ul><li><strong>Instagram:</strong> <u><a href="https://www.instagram.com/anissacavallo/" rel="noopener noreferrer" target="_blank">@anissacavallo</a></u></li><li><strong>Property &amp; Wealth Advisory:</strong> <u><a href="https://edaproperty.com.au/" rel="noopener noreferrer" target="_blank">EDA Property</a></u></li></ul><p><br></p><p><em>Michelle Grace Hunder, Anissa, business failure recovery, overcoming major debt, creative career pivot, ARIA winning photographer, financial resilience, Mod Dance Company, Her Sound Her Story, Got Next Studios, EDA Property.</em></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title><![CDATA[Gender Super Gap & Median vs Average Income — Why Superannuation Isn't Enough (Leverage Strategies for Women)]]></title>
			<itunes:title><![CDATA[Gender Super Gap & Median vs Average Income — Why Superannuation Isn't Enough (Leverage Strategies for Women)]]></itunes:title>
			<pubDate>Tue, 25 Aug 2026 23:04:19 GMT</pubDate>
			<itunes:duration>24:39</itunes:duration>
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			<itunes:episode>3</itunes:episode>
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			<description><![CDATA[<p>Solo episode: Anissa Cavallo breaks down the numbers shaping women's financial futures — why average vs median income matters, how the gender super gap increases retirement-poverty risk, and why saving alone won’t secure financial independence. Practical, actionable steps to use leverage (including property) to build passive income beyond super, plus mindset shifts to protect long-term wealth.</p><br><p><strong>🔗 Links &amp; Resources</strong></p><p>Connect with Anissa on Instagram @anissa_she_owns_it</p><p><a href="https://edaproperty.com.au/" rel="noopener noreferrer" target="_blank">Property Investment Advisor Australia | Eda Property</a></p><p>Retirement Calculator: <a href="https://moneysmart.gov.au/" rel="noopener noreferrer" target="_blank"><u>ASIC Moneysmart Tool</u></a></p><p>Subscribe &amp; Review: If this episode gave you a lightbulb moment, please give us a rate and review on Apple Podcasts or Spotify!</p><p>Next Week's Episode: Tune in next week for an incredible interview with ARIA award-winning music photographer Michelle Grace Hunder on turning creative passion into a booming business.</p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.&nbsp;</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Solo episode: Anissa Cavallo breaks down the numbers shaping women's financial futures — why average vs median income matters, how the gender super gap increases retirement-poverty risk, and why saving alone won’t secure financial independence. Practical, actionable steps to use leverage (including property) to build passive income beyond super, plus mindset shifts to protect long-term wealth.</p><br><p><strong>🔗 Links &amp; Resources</strong></p><p>Connect with Anissa on Instagram @anissa_she_owns_it</p><p><a href="https://edaproperty.com.au/" rel="noopener noreferrer" target="_blank">Property Investment Advisor Australia | Eda Property</a></p><p>Retirement Calculator: <a href="https://moneysmart.gov.au/" rel="noopener noreferrer" target="_blank"><u>ASIC Moneysmart Tool</u></a></p><p>Subscribe &amp; Review: If this episode gave you a lightbulb moment, please give us a rate and review on Apple Podcasts or Spotify!</p><p>Next Week's Episode: Tune in next week for an incredible interview with ARIA award-winning music photographer Michelle Grace Hunder on turning creative passion into a booming business.</p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.&nbsp;</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
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			<title><![CDATA[Retail CEO Secrets, Kind Leadership & Overcoming Burnout | Colleen Callander]]></title>
			<itunes:title><![CDATA[Retail CEO Secrets, Kind Leadership & Overcoming Burnout | Colleen Callander]]></itunes:title>
			<pubDate>Tue, 18 Aug 2026 18:00:00 GMT</pubDate>
			<itunes:duration>37:33</itunes:duration>
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			<acast:episodeUrl>the-myth-of-having-it-all-redefining-leadership-with-coleen</acast:episodeUrl>
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			<itunes:episode>2</itunes:episode>
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			<description><![CDATA[<p>What does it take to rise from a 16-year-old retail floor assistant to the CEO of Australia&#39;s most iconic fashion brands? In this episode, host <strong>Anissa Cavallo</strong> sits down with former <strong>Sportsgirl</strong> and <strong>Sussan</strong> CEO, <strong>Colleen Callander</strong>. Colleen traces her extraordinary career trajectory, revealing the mindset, grit, and strategic leadership that propelled her to the top of Australian retail. Together, Anissa and Colleen unpack what it truly means to lead with kindness, how to reframe the myth of &quot;having it all,&quot; and the essential workplace boundaries needed to overcome corporate burnout. Whether you are navigating career progression, leading a team, or scaling a business, this episode delivers executive-level wisdom on resilience, confidence, and purpose-driven leadership.</p><br><p>Key Discussion Topics:</p><ul><li><strong>From Retail Floor to the Boardroom:</strong> The non-linear path to executive leadership and navigating career growth.</li><li><strong>Kind Leadership in Action:</strong> Why empathy, trust, and kindness are high-performance business strategies.</li><li><strong>Overcoming Corporate Burnout:</strong> How to set firm workplace boundaries and protect your energy at the executive level.</li><li><strong>Reframing &quot;Having It All&quot;:</strong> Redefining success, work-life balance, and expectations for women in business.</li><li><strong>Cultivating Unshakeable Confidence:</strong> Practical tools for stepping into authority and owning your voice.</li></ul><p><br></p><p>Connect with Colleen Callander</p><ul><li><strong>Website:</strong> <u><a href="https://www.colleencallander.com.au/" rel="noopener noreferrer" target="_blank">colleencallander.com.au</a></u></li><li><strong>Business Mentoring Program:</strong> <u><a href="https://www.colleencallander.com.au/mentoring" rel="noopener noreferrer" target="_blank">Mentoring &amp; Leadership with Colleen Callander</a></u></li><li><strong>Instagram:</strong> <u><a href="https://www.instagram.com/colleen_callander/" rel="noopener noreferrer" target="_blank">@colleen_callander</a></u></li></ul><p><br></p><p>Connect with Your Host, Anissa Cavallo</p><ul><li><strong>Instagram:</strong> <u><a href="https://www.instagram.com/anissacavallo/" rel="noopener noreferrer" target="_blank">@anissacavallo</a></u></li><li><strong>Property Investment &amp; Wealth Advisory:</strong> <u><a href="https://edaproperty.com.au/" rel="noopener noreferrer" target="_blank">EDA Property</a></u></li></ul><p><br></p><p><em>Colleen Callander, Anissa Cavallo, Sportsgirl CEO, Sussan CEO, female leadership Australia, kind leadership, overcoming corporate burnout, women in business, career progression advice, Australian retail leadership, EDA Property.</em></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>What does it take to rise from a 16-year-old retail floor assistant to the CEO of Australia&#39;s most iconic fashion brands? In this episode, host <strong>Anissa Cavallo</strong> sits down with former <strong>Sportsgirl</strong> and <strong>Sussan</strong> CEO, <strong>Colleen Callander</strong>. Colleen traces her extraordinary career trajectory, revealing the mindset, grit, and strategic leadership that propelled her to the top of Australian retail. Together, Anissa and Colleen unpack what it truly means to lead with kindness, how to reframe the myth of &quot;having it all,&quot; and the essential workplace boundaries needed to overcome corporate burnout. Whether you are navigating career progression, leading a team, or scaling a business, this episode delivers executive-level wisdom on resilience, confidence, and purpose-driven leadership.</p><br><p>Key Discussion Topics:</p><ul><li><strong>From Retail Floor to the Boardroom:</strong> The non-linear path to executive leadership and navigating career growth.</li><li><strong>Kind Leadership in Action:</strong> Why empathy, trust, and kindness are high-performance business strategies.</li><li><strong>Overcoming Corporate Burnout:</strong> How to set firm workplace boundaries and protect your energy at the executive level.</li><li><strong>Reframing &quot;Having It All&quot;:</strong> Redefining success, work-life balance, and expectations for women in business.</li><li><strong>Cultivating Unshakeable Confidence:</strong> Practical tools for stepping into authority and owning your voice.</li></ul><p><br></p><p>Connect with Colleen Callander</p><ul><li><strong>Website:</strong> <u><a href="https://www.colleencallander.com.au/" rel="noopener noreferrer" target="_blank">colleencallander.com.au</a></u></li><li><strong>Business Mentoring Program:</strong> <u><a href="https://www.colleencallander.com.au/mentoring" rel="noopener noreferrer" target="_blank">Mentoring &amp; Leadership with Colleen Callander</a></u></li><li><strong>Instagram:</strong> <u><a href="https://www.instagram.com/colleen_callander/" rel="noopener noreferrer" target="_blank">@colleen_callander</a></u></li></ul><p><br></p><p>Connect with Your Host, Anissa Cavallo</p><ul><li><strong>Instagram:</strong> <u><a href="https://www.instagram.com/anissacavallo/" rel="noopener noreferrer" target="_blank">@anissacavallo</a></u></li><li><strong>Property Investment &amp; Wealth Advisory:</strong> <u><a href="https://edaproperty.com.au/" rel="noopener noreferrer" target="_blank">EDA Property</a></u></li></ul><p><br></p><p><em>Colleen Callander, Anissa Cavallo, Sportsgirl CEO, Sussan CEO, female leadership Australia, kind leadership, overcoming corporate burnout, women in business, career progression advice, Australian retail leadership, EDA Property.</em></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title><![CDATA[Money Mindset for Women — Rebuild After Property Loss & Financial Setbacks | Anissa Cavallo]]></title>
			<itunes:title><![CDATA[Money Mindset for Women — Rebuild After Property Loss & Financial Setbacks | Anissa Cavallo]]></itunes:title>
			<pubDate>Tue, 18 Aug 2026 18:00:00 GMT</pubDate>
			<itunes:duration>12:03</itunes:duration>
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			<itunes:episode>1</itunes:episode>
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			<description><![CDATA[<p>In this inaugural solo episode, Anissa Cavallo shares her unfiltered money mindset journey,  earning $80k early, losing everything in the property market, sleeping on her parents' couch, and rebuilding. Listen for candid lessons on financial recovery after property loss, practical mindset shifts for women reclaiming financial independence, and a look at systemic risks like rising homelessness among middle-aged women. (12 min)</p><br><p>Key Topics: Money Mindset | Women &amp; Financial Independence | Rebuilding Wealth After Divorce | Property Investment Recovery | Female Financial Literacy | Overcoming Financial Trauma&nbsp;</p><br><p>🔗 Links &amp; Resources</p><p>Connect with Anissa on Instagram @anissa_she_owns_it</p><p><a href="https://edaproperty.com.au/" rel="noopener noreferrer" target="_blank">Property Investment Advisor Australia | Eda Property</a></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.&nbsp;</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In this inaugural solo episode, Anissa Cavallo shares her unfiltered money mindset journey,  earning $80k early, losing everything in the property market, sleeping on her parents' couch, and rebuilding. Listen for candid lessons on financial recovery after property loss, practical mindset shifts for women reclaiming financial independence, and a look at systemic risks like rising homelessness among middle-aged women. (12 min)</p><br><p>Key Topics: Money Mindset | Women &amp; Financial Independence | Rebuilding Wealth After Divorce | Property Investment Recovery | Female Financial Literacy | Overcoming Financial Trauma&nbsp;</p><br><p>🔗 Links &amp; Resources</p><p>Connect with Anissa on Instagram @anissa_she_owns_it</p><p><a href="https://edaproperty.com.au/" rel="noopener noreferrer" target="_blank">Property Investment Advisor Australia | Eda Property</a></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert.&nbsp;</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title><![CDATA[Money Mindset Shift for Women — Build Financial Security & Boundaries (Trailer)]]></title>
			<itunes:title><![CDATA[Money Mindset Shift for Women — Build Financial Security & Boundaries (Trailer)]]></itunes:title>
			<pubDate>Mon, 10 Aug 2026 22:44:43 GMT</pubDate>
			<itunes:duration>1:04</itunes:duration>
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			<acast:showId>688fe89b0bb12601f0961197</acast:showId>
			<acast:episodeUrl>welcome-to-she-owns-it</acast:episodeUrl>
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			<itunes:subtitle>Trailer</itunes:subtitle>
			<itunes:episodeType>trailer</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:image href="https://assets.pippa.io/shows/688fe89b0bb12601f0961197/1793225605234-d868c4f5-e474-47a1-b480-214c68153047.jpeg"/>
			<description><![CDATA[<p>Trailer — Host Anissa Cavallo outlines the money mindset shift women need to build financial security and protect against long-term risk. This episode previews practical mindset changes, boundary-setting techniques, and budgeting habits designed to help women rewrite their money story and move toward financial independence. Why it matters: middle-aged women are the fastest-growing group experiencing homelessness in Australia — long-term security starts with shifting money mindset. Learn more: edaproperty.com.au</p><p>🔔 Subscribe now so you never miss an episode!</p><br><p><strong>Connect &amp; Follow Anissa Cavallo:</strong></p><ul><li>Podcast: She Owns It</li><li>Instagram: <u><a href="https://instagram.com/anissa_she_owns_it" rel="noopener noreferrer" target="_blank">@anissa_she_owns_it</a></u></li><li><strong>Property Investment Advisor Australia: EDA Property</strong></li></ul><p><br></p><p><strong>Production &amp; Distribution:</strong></p><ul><li>Executive Producer &amp; Audio Strategy: Dash Made Studios</li></ul><p><u><a href="https://l.instagram.com/?u=http%3A%2F%2Fwww.dashmade.com.au%2F%3Futm_source%3Dig%26utm_medium%3Dsocial%26utm_content%3Dlink_in_bio%26fbclid%3DPAZXh0bgNhZW0CMTEAcGRvZgJzcnRjBmFwcF9pZA85MzY2MTk3NDMzOTI0NTkAAadaqERfWmUChjVpL7_oV1GadTuw04uuF0Qdo_VvC-epoLI9NSj3Yzf6TQF1-Q_aem_YX7qvlXnWjHEodSfD5baMw&amp;e=AUCvtZOkXd9ff9Wv5iwYRdDHkiAPPXlf3QdzXtzt9VElZYo1uM_vzvMUiWMtFGDYXWkmoMnN3jXn1YHOAe2BsgrjWWm_O06ug8jPTxXwMPx4tMCWSN8qFQ1bzRaMRZvv5KR5fFzV_yHRu07_NUJlNZIxImuO" rel="noopener noreferrer" target="_blank">www.dashmade.com.au</a></u></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert. </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Trailer — Host Anissa Cavallo outlines the money mindset shift women need to build financial security and protect against long-term risk. This episode previews practical mindset changes, boundary-setting techniques, and budgeting habits designed to help women rewrite their money story and move toward financial independence. Why it matters: middle-aged women are the fastest-growing group experiencing homelessness in Australia — long-term security starts with shifting money mindset. Learn more: edaproperty.com.au</p><p>🔔 Subscribe now so you never miss an episode!</p><br><p><strong>Connect &amp; Follow Anissa Cavallo:</strong></p><ul><li>Podcast: She Owns It</li><li>Instagram: <u><a href="https://instagram.com/anissa_she_owns_it" rel="noopener noreferrer" target="_blank">@anissa_she_owns_it</a></u></li><li><strong>Property Investment Advisor Australia: EDA Property</strong></li></ul><p><br></p><p><strong>Production &amp; Distribution:</strong></p><ul><li>Executive Producer &amp; Audio Strategy: Dash Made Studios</li></ul><p><u><a href="https://l.instagram.com/?u=http%3A%2F%2Fwww.dashmade.com.au%2F%3Futm_source%3Dig%26utm_medium%3Dsocial%26utm_content%3Dlink_in_bio%26fbclid%3DPAZXh0bgNhZW0CMTEAcGRvZgJzcnRjBmFwcF9pZA85MzY2MTk3NDMzOTI0NTkAAadaqERfWmUChjVpL7_oV1GadTuw04uuF0Qdo_VvC-epoLI9NSj3Yzf6TQF1-Q_aem_YX7qvlXnWjHEodSfD5baMw&amp;e=AUCvtZOkXd9ff9Wv5iwYRdDHkiAPPXlf3QdzXtzt9VElZYo1uM_vzvMUiWMtFGDYXWkmoMnN3jXn1YHOAe2BsgrjWWm_O06ug8jPTxXwMPx4tMCWSN8qFQ1bzRaMRZvv5KR5fFzV_yHRu07_NUJlNZIxImuO" rel="noopener noreferrer" target="_blank">www.dashmade.com.au</a></u></p><br><p><strong>Disclaimer:</strong></p><p>The information provided in this podcast and show notes is general in nature and for educational and entertainment purposes only. It does not constitute personal financial, legal, or taxation advice. It has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek professional advice from a licensed financial advisor, accountant, or legal expert. </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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    	<itunes:category text="Business"/>
		<itunes:category text="Business">
			<itunes:category text="Entrepreneurship"/>
		</itunes:category>
		<itunes:category text="Society &amp; Culture">
			<itunes:category text="Personal Journals"/>
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