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Hey, I'm Mel.

I'm an ex-accountant, ex-financial adviser, best-selling author and now financial educator. I run Finstincts, host Uncensored Money and speak to organisations who've realised financial wellbeing is a workplace issue, not a Sunday-morning one.

25 yrs
Practicing experience
87k+
Instagram followers
35k+
Newsletter subscribers
5
Books published
AS SEEN ON: TODAY EXTRA • WEEKEND SUNRISE • DOUBLE A CHATTERY • THE PAYOFF • WE DON'T HAVE TIME FOR THIS • FORTY
AS SEEN IN: AFR • YAHOO finance • CEO MAGAZINE • SMH & THE AGE • MAMAMIA •  VOGUE • MONEY MAG •  ELLE

So I have the theory but I've also lived it

I'm a Western Sydney chick who grew up believing that money was something other people had. Despite my dad being an accountant, it wasn't something we talked about.

As an adult I made big money mistakes. Credit cards. Store cards. And then, in my early thirties, I gave every cent of my divorce proceeds, and everything in my business and personal accounts, to charity. As a result of my ex-husband saying I'd never make it on my own. An emotional mistake that I instantly regretted. It meant moving into a share house with four mates and going into five figures of debt.

To say I was ashamed was an understatement. I was an accountant. Someone who was supposed to make smart money decisions. But that experience means I know what it feels like to not be at the age and stage you thought you should be.

My story didn't end there. I built back from less than nothing. Not because I had some brilliant plan, but because I finally sat with the money behaviour I'd been running from and did the actual work. Building income. Understanding why I did what I did. Learning how to invest.

Today I'm financially independent and have so much choice. That's what I believe wealth is. And it's why I teach and create the products the way I do. I want you to realise money isn't overwhelming or difficult or something you file away and feel bad about later.

Instead, it's simply a tool to help you support the life you want.

There's loads of people speaking about money. 

Here's what I believe.

01

It's not a confidence issue, it's a systems one.

Too many people believe the world of money is complicated and overwhelming. And a whole industry was designed around that. The truth is, having great finances should be simple. That's why Finstincts exists and why I do what I do.

02

Budgets don't work. Behaviour does.

Restrictive spreadsheets don't fail because the math is wrong. They fail in the same way diets fail. I believe great money education starts with the human, with understanding who you are and the habits that will best support you.

03

There's no such thing as being behind.

Yes, you might not believe that. But behind who? Instead, there's only where you are now and where you want to go. The comparison game is the single most expensive habit most people have. It's why so many people flee, freeze or fawn financially.

04

I'm not scared to say the uncomfortable truths

Spend on what you actually value and cut the rest without guilt. Invest early, boringly and often. Afterpay makes people spend 54% more. 90% of people shouldn't have a credit card, and no, the points aren't worth it. And yes, Crocs really are hideous.

MEET LAWSIE

Hey, I'm Lauren Law.

If you're in Fincoaching, I'm the person you'll work with 1:1.

I'm Mel's work wife and I've worked with her for over 16 years. I'm an ex-accountant and ex-financial adviser who cracked the money-management puzzle in my 30s by tapping into the power of great habits and a plan that motivated me.

The result? In my 40s, I'll be financially independent too, with the choice to travel, work, or clock out for an early retirement. How I did that?

  • set crystal-clear financial goals and worked out how much is actually enough
  • built up the financial assets that fund my version of financial independence
  • developed the habits that let me enjoy today while saving for future me

Off the clock: you'll find me far, far away from my laptop, most likely somewhere in the outdoors where I'll be riding, running, hiking, camping... and enjoying #vanlife.

TWO WAYS TO WORK WITH US

Want to play? Pick your door. 

If it's for you personally? Enter door one below and the world of Finstincts, Australia's first financial streaming platform. If it's for your team or organisation? Enter door two below and discover how you can work with Mel for a moment or for momentum.

Streaming on Finstincts
FOR YOU

Streaming on Finstincts

Everything they never taught you about money.

Australia's first financial education streaming networtk. Debt, shares, property, kids, business, mindset. 20+ shows, plus the workbooks and tools to actually do something with them. From $14.99 a month.

Learn more and start watching →
Bring Mel to your organisation
FOR YOUR TEAM

Bring Mel to your organisation

Keynotes, webinars and Finstincts.

Live or virtual keynotes and webinars with Mel for the moment. Finstincts across your whole team for the momentum. Or both, Financial wellbeing your people will actually use.

Find Out More →

General Financial Advice Warning
Mel Browne Money Pty Ltd (ABN: 75 143 850 864) is a Corporate Authorised Representative No. 1316933 of Rask Licensing Pty Ltd (ABN: 32 681 073 478) (AFSL: 563 907).
The information, tools and content on this website is general financial advice only. That means, the advice/information from Mel Browne Money and its staff does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. In addition, you should obtain and read the product disclosure statement (PDS) and Target Market Determination (TMD) before making a decision to acquire any financial product. If you don’t know what your needs are, you should consult a trusted and licensed financial adviser who can provide you with personal financial product advice. Please read our Terms and Financial Services Guide before using this website. Past performance is not indicative of future performance, and investing can result in permanent capital loss.