Author, founder, and finance creator Queenie Tan shares her journey from frugal beginnings to building a $1 million net worth, launching a business, and making finance fun. In this episode of the Australian Finance Podcast, Owen Rask chats with Queenie Tan – finance creator, new author, and founder of the budgeting app Billroo. They explore: – The money stories Queenie learned from her parents – Why she believes finance should be fun and balanced – How she built a $1 million net worth over 10 years – Launching a successful fintech startup – Her three-part budgeting framework: foundation, fun, and freedom – Tips for reflecting on your money mindset – How she uses “mini retirements” to enjoy life now – What she means by ETFs being like lolly bags 🍬 If you’ve ever struggled to find joy in budgeting or felt torn between saving and spending, Queenie’s advice is a must-listen. Subscribe for weekly episodes via Apple, Spotify, YouTube, or your favorite podcast app. Follow us on Instagram and TikTok for more money insights. Topics Covered – Queenie’s early money experiences and her parents’ financial values – When she first got excited about saving and investing – Building her first $100k (and then $1m net worth!) – How money mindsets are shaped by childhood – “Shadow self” concept and how it influences spending – Launching Billroo: Queenie’s budgeting tool – The 3Fs budgeting method: foundation, fun, freedom – Mini retirements and building a life you don’t need to escape from – Why Queenie says ETFs are like lolly bags 🍭 Resources for this episode 📘 Pre-order Queenie’s new book “The Fun Finance Formula”: https://www.investwithqueenie.com/the-fun-finance-formula/ 📲 Follow Queenie on Instagram: https://www.instagram.com/investwithqueenie/?hl=en 🌐 Learn more at Queenie’s website: https://www.investwithqueenie.com/ 💰 Try Queenie’s budgeting app: https://www.billroo.com/ 🎙️ Listen to Queenie’s past episodes with Rask 📈 Take our free course: financial independence in Australia – https://bit.ly/R-FIRE 📋 Learn about Rask money coaching – https://bit.ly/R-coach 📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. It does not take into account your objectives, financial situation or needs. Always consider if the information is appropriate to your personal circumstances and seek advice from a licensed financial planner. The Rask Group is not a qualified tax agent or financial adviser. Access our Financial Services Guide (FSG) – https://www.rask.com.au/fsg