571 | When Your Life Plan Falls Apart, What Happens Next? - Chat with Gemma Mitchell

What happens when the money expert has to hit reset on her own life? 💥

Meet Gemma Mitchell: a financial adviser, money coach, and co-host of The Australian Finance Podcast.

With over 20 years in banking, wealth coaching, and financial services, Gemma has helped thousands of Australians navigate life’s biggest financial curveballs, from divorce and career change to business setbacks and beyond.

But when her own “perfect plan” fell apart, she had to start again and what she discovered changed everything.

Gemma rebuilt her life from the ground up, not just financially, but mentally and emotionally, uncovering what real financial wellbeing looks like.

Now, she’s sharing those lessons in The Money Reset, her 12-step roadmap to help you turn financial setbacks into powerful comebacks. 💪

FREE STUFF MENTIONED

• The Property Couch 2026 Survey 
• Audiobook: How to Retire on $3K a Week
  👉 Spotify (Coming soon to Audible and other major streaming platforms!)
  👉 Moorr
• Moorr's Free Property Reports 
• The Money Reset: Gemma’s 12-Step Financial Reset Plan
• National Debt Helpline
• AFR article: Macquarie Bank Pausing Rates
• Unlicensed Advice Warning: PICA’s callout on the rise of unqualified “property experts” 
• First Guardian & Shield Collapse: ABC report on ASIC and superannuation oversight flaws

Read the full list here >> 

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
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Chapters

• 0:00 571 | When Your Life Plan Falls Apart, What Happens Next? - Chat with Gemma Mitchell
• 0:30 TPC Survey 2026 & Audiobook reminder
• 1:40 Moorr’s Free Property Reports ( + Why this time of year is perfect for research & getting ahead for 2026)
• 8:31 Meet Gemma Mitchell – money coach & author of The Money Reset
• 9:25 Good Habits vs Healthy Habits: When financial discipline turns toxic
• 12:00 Money Story: Mum & Grandma’s influence and the scarcity mindset
• 15:10 The Guilt of Spending and the Pressure to Always Save
• 18:40 From Financial Planner to Money Coach: Burnout & career pivot
• 21:10 Plot Twists & Losing the “Dream Life” Checklist
• 25:58 How The Money Reset was born & unlearning the checklist life
• 28:54 Short- vs Long-Term Planning: Why Financial Flexibility Matters
• 32:29 Finding Her “Village” and support network after setbacks
• 35:04 When You Can’t Afford Paid Help: Free Financial Resources That Help
• 37:34 Defining Non-Negotiables: The Key to Financial Safety and Security
• 39:54 Why Overwhelm Is Normal (and What the 12 Steps Are Really For)
• 41:59 Property Pathways After Setbacks: Rentvesting, Selling or Staying Put
• 43:49 The Biggest Reset Most People Miss: Retirement & Identity Shift
• 45:34 “Beans on Toast” Thinking & How to Stress-Test Your Lifestyle
• 48:33 The Most Important Mindset Shift: You’re Not Stuck – Just Start
• 50:47 Avoiding Risky Catch-Up Investing in Your 50s and Beyond
• 54:04 How to Stay Grounded When Everyone Else Looks Ahead
• 57:54 Final Takeaway: The First Step to Reset Your Money (and Life)
• 1:06:32 Bryce & Ben wrap up with reflections on Gemma’s 12-Step Framework