August 24, 2025 • 36 mins
What if your investment choices could align with your values—and create lasting change in the world?
In this episode, I speak with Dionn Payn, founder of Women 4 Homes, whose mission is to inspire 1 million women to invest $5,000 to end homelessness by 2030.
Dionn is passionate about helping people—especially women—grow wealth through ethical investing that uplifts communities, preserves the environment, and supports meaningful causes.
As a purpose-led entrepreneur and speaker, Dionn brings a refreshing perspective on what it means to be wealthy: not just financially secure, but deeply fulfilled, values-aligned, and making a difference.
This conversation is ideal for quiet achievers, introverted leaders, and conscious professionals seeking greater impact, authenticity, and alignment with their money and life.
In this episode, we explore:
- What impact investing is and why it's a powerful alternative to traditional investing
- Dionn’s personal journey from people-pleasing and burnout to self-trust and purpose
- How women can feel empowered around wealth and decision-making
- The mindset shifts that help you go from survival to spaciousness
- What to do when your life’s purpose no longer fits into the corporate box
- The power of community, mentorship, and investing in your values
- A fresh way to think about success: not just what you accumulate, but what you create and contribute
Whether you're starting your wealth journey, feeling disillusioned with traditional finance, or curious about conscious entrepreneurship, Dionn’s story will inspire you to lead—and live—with impact.
Connect with Dionn Payn:
Website: www.women4homes.com
Link.tree: https://linktr.ee/women4homes
Enjoying the podcast?
Subscribe, rate, and leave a 5-star review to help more quiet leaders and changemakers find their voice.
Join The Visible Introvert community for exclusive insights, podcast updates and resources at https://serenalow.com.au
This episode was edited by Aura House Productions
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hi, I'm Serena Loh.
If you're used to hearing thatintroverts are shy, anxious,
antisocial and lack goodcommunication and leadership
skills, then this podcast is foryou.
You're about to fall in lovewith the calm, introspective and
profound person that you are.
Discover what's fun, unique andpowerful about being an
(00:21):
introvert, and how to make theelegant transition from quiet
achiever to quiet warrior inyour life and work anytime you
want, in more ways than youimagined possible.
Welcome.
Speaker 2 (00:36):
Hello and welcome to the Quiet Warrior podcast.
Today I have a special guestwhose mission is to inspire 1
million women to invest $5,000to end homelessness by 2030,
whilst being financiallyempowered along the way.
Her name is Dr Dionne Payne andshe's the founder of Women for
Homes, a company whose missionis to inspire 1 million women by
(01:00):
2030.
Dionne has over 10 years in theproperty industry, has
developed affordable housingprojects, raises funds for
ethical property developmentsand has helped over 40 investors
achieve double-digit returnsthrough property.
She's also the author of thenumber one Amazon best-selling
book, ethical Property Investing, and regularly writes and
(01:21):
speaks on the topic.
Welcome, dr Dionne Payne, tothe Quiet Warrior podcast.
Thank you, serena Dionne.
I would love to start by askingyou a little bit about your
background and your career storyand how you come to be doing
what you now do.
Speaker 3 (01:40):
Well my background.
So I'm from the UK.
I was born to Jamaican parents,so I'm first-generation British
.
My grandparents and parentswhen they migrated to the UK in
the 60s, they encountered a lotof racism and, as a result, the
(02:04):
message that I got when I wasgrowing up was I need to work
hard, nobody's ever going togive me a break, and you know
just the sort of working hardmentality was really important,
just to be able to get ahead andto be on an even pegging with
everybody else.
So that really shaped meactually, and I did work hard
(02:29):
and I still work hard, andsometimes I have to remember
that I don't have to work sohard.
That was a model that served meand served my family many years
ago, but I can see that theusefulness of that belief isn't
as useful today as it was then.
So part of that working hardwas doing all of the right
(02:51):
things academically.
So I was quite smart as a childand I went to university.
I ended up doing a PhD, which ishow I ended up in Australia.
Actually, I came over here justfor a year, managed to get a
PhD scholarship and stayed, andthen that gave me enough points
to stay.
So for me, it was a bit of anaccident that I ended up staying
(03:13):
in Australia.
I've been here 20 years now andI really didn't expect to be
here this long, but I fell inlove with Australia and the
outdoor lifestyle, yeah.
So that's kind of how I gothere.
But my PhD was not anything todo with what I do now.
My PhD was a catalyst forstaying here.
(03:36):
But when I finished that PhD andI just thought, well, what am I
going to do next?
I was pregnant at the time, soI had my children.
I got to be a stay-at-home mum,which was just divine.
I really enjoyed that beinghome with the kids.
But what it meant was that ourearning capacity as a household
was a lot less than it couldhave been, and I consciously
(04:00):
made that choice.
But even then, I was not verysatisfied with not being able to
buy the home that I wanted to.
So that was what spurred me onto learn about property
investing and propertydevelopment.
I must admit, I got very seducedby the idea that I could build
(04:21):
a townhouse, or build a fewtownhouses, and make hundreds of
thousands of dollars, and I waslike, great, how do we do that?
And so our journey.
This is myself and my husband.
Our journey was to partner withsomebody that had more cash
than time.
We definitely had more timethan cash, and that was how we
(04:41):
got started.
So we did our first development.
It was a very small developmenta renovation and a subdivision
but when I got the check at theend of that I was like, wow,
this was my blood, sweat andtears and I got to benefit from
that, which was amazing.
So, yeah, that spurred me onand I just saw that property was
transforming my life andtransforming what I believed
(05:05):
that I could do, going fromacademia to something that was
purely about making money.
It was very different and veryinspiring for me to just know,
oh well, yeah, okay, I don'thave to fit this mold, I can
move into something else andmake money, and it's actually
(05:26):
quite lucrative.
So that's what got me intoproperty in the first place.
And from then I did some moreprojects and the turning point
for me from doing justdevelopment to doing affordable
housing was that once I got afew of these smaller projects
(05:47):
under my belt and I looked atwell, I was just looking around
I was like, yep, I'm ready forsomething a bit bigger now, and
I saw a piece of land.
It had development approval for14 one-bedroom townhouses.
I ran the numbers and realizedthat I could make it work and I
was like, yes, and again, it wasall about partners.
I realised that we would needto have partners to go in with
(06:11):
to make this work.
So I found some partners and Iwent on with the build and what
changed for me was actually itwas interesting because my joint
venture partner was veryfocused on the money, more so
than I was.
Once I got that there was somesocial good in that, then I was
(06:32):
really.
It wasn't that I didn't wantthe money, it wasn't that at all
but my joint venture partnerwas much more about squeezing
every dollar out of thetransaction, whereas I realized
that there was a social benefit,an environmental benefit and a
financial benefit and I wantedto maximise all of those.
I think the key thing for mewas realising that I had friends
(06:54):
in the area that could buy intothese properties and afford
these properties.
At the time, we were sellingthem for an average of 350 000
when the median house price was650 000.
So it was.
It was quite significant, andwhen I realized that teachers
and paramedics and nurses wereable to buy into this, I was
like this is really cool, and some and my joint venture partner
(07:21):
eventually ended up going wastebecause our values weren't
aligned.
But in the process of doing thatproject, what I realized was
that we could.
We could have it all.
We could make a social andenvironmental impact and we
could actually make money aswell, and that really spurred me
on to do more of that.
I realized I wasn't going to dothat from a developer
perspective, because that routeactually caused burnout for me,
(07:45):
but I could certainly facilitateit by helping other property
developers that were focusing onaffordable and sustainable
housing.
I could raise money for them,and so that's what I've been
doing for the past four years.
My business, high impactproperty investment started four
years ago, and in November Istarted a sister organisation,
which is Women for Homes,because I realised that there's
(08:07):
such a big disconnect for womenbeing able to get into property
and there's all of thesesystemic barriers that are
making it harder for women tobuild wealth for themselves, and
that lack of financialindependence is what is causing
homelessness, which I'm reallykeen to stamp out as quickly as
possible, and so that was whereWomen for Homes was born, it was
(08:29):
really about, okay, how can wegalvanize a movement of women to
really make a difference, toend homelessness and be
financially empowered as well?
That has been quite the journeyfor you.
Speaker 2 (08:40):
That has been quite the journey for you and I want
to take you back to when youfirst said your ethos that you
had inherited from the familywas working hard, and to you at
the time that meant doing allthe right things, the things
that we are expected to do byour family, by community, by
(09:01):
society.
And as long as you stick to thatpath, you work hard, you do the
right things, you musteventually succeed.
Right, and I love also that youtook time off to raise your
family.
You said that was a divine timefor you that being able to
spend that time solely for yourfamily.
But you also acknowledged therewas a financial impact and I
(09:22):
think a lot of our audience will, our listeners will resonate
with that, because that exactlyis the thing, isn't it?
With women and with thefinancial impact of certain
decisions that we make, partlyby choice, but partly also
because there is a socialexpectation that it is the women
who stay home to look after thechildren?
It is the women who stay hometo look after the children.
(09:46):
So let's talk about thesystemic barriers and how that
is affecting women and theirhousing situation.
Speaker 3 (09:58):
Yeah, good question.
So I mean, we talk a lot aboutthe gender pay gap and that is
something that is absolutelytrue, but most people know about
that.
There's some other aspects tothere's some other systemic
barriers that I really do thinkthat are worth bringing up, and
one of those things that youmentioned there about the
(10:19):
societal roles of women stayinghome and their better place to
stay home, and maybe they are,you know, as women we are more
nurturing.
I'm not saying that we have to,I'm just saying that maybe
there is, yeah, maybe there is aplace for that.
But what that leads to, andsomething that I have to be
(10:42):
constantly on my guard about, isthat an equal distribution of
labour.
So, you know, it's the, becauseit's the women's role to be the
nurturer.
Then it falls on the women'sshoulders to, you know, be the
cook and the cleaner and theperson that takes the kids
everywhere, and sometimes thatrole isn't recognized.
(11:09):
I remember reading um or hearing, actually a few years ago, that
if we were to outsource um, therole of mother and and all of
those different jobs that wetake on as mother, we would have
to pay that person or that team, because it's more like a team
of people that needs to do that.
We would be paying $200,000 ayear for that role, and I
(11:37):
certainly wasn't being paid that.
And look, there's nothingagainst my husband or anything
like that.
We weren't even thinking aboutthose kinds of things at all.
Nothing against my husband oranything like that.
We weren't even thinking aboutthose kinds of things at all.
But, um, it is that burden ofunpaid labor that is not
recognized.
And I do believe that if we put, if we had that value of what
(11:57):
women bring, or, let's put itthis way, if we have that value
of what the caregiver brings inthe raising of a family and
keeping a home, um, and wequantified that and we actually
looked after the caregiver inthat way.
So what would that lookingafter look like?
It would be paying supercontributions for the time that
(12:20):
that caregiver is out of theworkforce.
It would be, you know, sort ofhaving support in place so that
it's not all falling on oneperson's shoulders.
So there's a mental load,there's a financial load, yeah,
(12:49):
and it it's just really unfairnow because it just because it's
not being recognized that thecontribution that has been made.
And so, yeah, we talk about thegender pay gap.
I think it goes a bit deeperthan that.
And then, you know, to expandon that even more, because it's
(13:11):
getting harder for young peopleto be able to leave home and to
be able to afford to purchaseproperty or even rent properties
.
When they do stay home withtheir parents and maybe a single
mum that they're staying homewith the single mum is still in
the mindset of, well, I've gotto look after my child, I've got
to provide for my child, eventhough they're staying home with
the single mum is still in themindset of, well, I've got to
(13:32):
look after my child, I've got toprovide for my child, even
though they're older.
So then her needs are not beingmet in the same way.
So this cycle ofunderappreciation and
undervaluing is a real barrier,and it's not just an external
barrier.
Sometimes we place that barrieron ourselves as women as well.
(13:52):
So then we don't go for thethings that we want to go for
because, oh well, we've got anobligation to look after our
kids over here, or we've got anobligation to look after our
parents, because there's alsoyou know, we're in that what
they call it, the sandwichgeneration, where we're not just
caregiving for our children,we're caregiving for our parents
as well.
So it's the weight of thesocietal expectations, it's the
(14:21):
weight of our own expectationson ourselves.
Speaker 2 (14:25):
Those are some of the structural barriers that I'm
really seeing, and I think toadd to that also, the other part
of the cycle is because whenmen and women in the same role
start off already with that paygap, the perception then is that
it's easier for the woman to bethe one to give up the job to
stay home.
(14:45):
But then of course that startsthat whole cycle of can't
contribute to your super.
Take time away from your careerand not all places value career
breaks equally.
So when you come back after,say, five years, you know you
have to update your skills again.
You have to explain your careerbreak.
Sometimes to certainorganizations.
It may be looked upon not veryfavorably depending on how you
(15:06):
craft your story and then youcome back into it.
But again you are a step behindyou're playing catch up, so
you're perpetually playing catchup yeah yeah, so what can we do
about this?
and how does propertydevelopment, or property as a
vehicle itself?
How does that help someone tobreak the cycle?
Speaker 3 (15:35):
Well, I think, first of all, it starts off with
valuing ourselves and valuingour contribution.
So and I'm going to speak formyself here if I had recognised
and really sort of understoodand embodied that my role as a
mother was $200,000 a year andwas worth that, I would have
made some really differentdecisions.
So, number one, I would havespoken to my husband and said,
(15:58):
well, hey look, I'm staying homewith the kids.
I need to make sure I've gotsuper annuation as well.
Let's put some supercontributions into my account
too.
And that's one area that I couldthink of.
Another area is I rememberbeing at home with the kids and,
(16:19):
like I said, I loved it and Iwould never change it at all.
Um, but I do remember feeling,um, just a little bit uncertain
of, you know, like if I wantedto go and do something and I
needed to get some money from myhusband, I'd have this kind of
like oh well, I shouldn't really, because you know I'd just get
(16:40):
to stay home all day, you know.
So there was a lack of valuingmyself and the role that I was
doing, which fed into the lackof confidence when it came back
to going into the workforce.
So, yeah, I think how do webreak this cycle, really valuing
the contribution that we makeand having that confidence in
(17:03):
ourselves to say, well, yeah,I'm worth this and no, okay,
I've been out of the workforcefor five years but I've been
raising a family and these areall the things that I've been
doingand this is what I can bring to
an organisation.
And no, I'm not going to acceptsome crappy pay deal, because I
value myself and you know theskill I've got additional skills
(17:27):
to what I left the workforcewith when I raised my children
or before I raised my children.
So I think there's a definitemindset shift and a definite
appreciation and valuing ofourselves.
That's really important.
And then where does propertyfit into that?
I think it's not just property,it's wealth creation.
(17:50):
I think.
And it's not just property,it's wealth creation.
I think when you value yourselffor what you bring, whether
it's to an organisation or to afamily, it's much easier to
think about.
You know, how do I contributeor how do I build wealth for
myself and my family from thisplace, and so property is just
(18:11):
one vehicle.
Right, there's shares andthere's, you know, crypto, if
you're so inclined, and there'sdefinitely lots of vehicles to
be, to be growing wealth and fitthat probably.
I love property and I've hadsuch good experiences from it,
so I can wax lyrical about it.
Um, but just starting from thatplace of, well, yep, I value
(18:32):
myself and I'm going to createwealth for myself and my family,
um, and whatever vehicle Ichoose to do that in.
I'm going to learn and applywhat I learn until I succeed in
what I'm doing.
So, um, but let's talk aboutproperty and let's talk about it
from the perspective of womenfor homes.
What I saw was, yes, we do havethese systemic barriers.
(18:53):
Women are not aware of thosesystemic barriers or they don't
think that they're going toapply to them.
So then they just ignore it and, you know, make excuses like,
oh, I'm not very good atfinances and you know I'll think
about that later or I'll thinkabout that when I've got some
time.
And yes, it it's, it's with,without awareness, we end up
(19:24):
making choices that are not inour best interest.
So, women for homes number oneis about I'll call it financial
education.
It's not really that we've gota plethora of financial
education, but what I wanted todo with Women for Homes was to
make that education relevant andpractical, women-specific, and
(19:46):
actually have it make adifference, have it be joyful
and fun and not just a boringreading of the Australian
Financial Review and I apologiseif you love reading the
Australian Financial Review, buteven I saw it today and I was
like whoa, there's some reallytough terminology in there.
What about if we make investingand talking about money and
(20:07):
talking about what you know,what salary do you get and what
salary do you get anddemystifying this whole thing.
So, again, it's about raisingawareness.
So one of the things that we doin Women for Homes is have a
podcast which is called theFinancially Empowered Women
podcast, and just before we goton the call, I had an episode
(20:27):
with a lady who was talkingabout rent, vesting and
purchasing property and propertyinvesting and the things that
she was saying.
That these are things that Iknow, but I know a lot of people
don't know this kind ofinformation.
So it's really about bringingeducation that is not
necessarily widely out there tothe forefront so people can
(20:49):
women specifically can makebetter choices.
And then the other side ofthings is around the investing
piece.
And when I looked at, well, whyare women at such a
disadvantage?
Why are women ending uphomeless in the first place?
We do have the financialeducation piece that I mentioned
(21:10):
, but we also have.
We just need to build morehomes.
So you know it's building morehomes takes money.
What if there's a way thatwomen who are learning about
money and building theirconfidence in money have a way
to invest in something that hasthe potential to end a huge
(21:32):
social issue, and so Women forHomes is also going to be a fund
.
So basically, it's a way ofwomen investing together to
collate a large sum of moneythat can be then invested into
building affordable andsustainable housing, which then
(21:53):
means that they can earn anabove market return on their
investments.
So it's I don't want to saykilling two birds with one stone
, but I can't think of a betterword for that at the moment.
Speaker 2 (22:05):
It's financially empowering women and it's also
solving the problem, soeverybody gets to be part of the
solution and that goes back towhat you said earlier, when you
said you had a parting of theways with your joint venture
partner, because your values aresocial good, financial benefit
as well as environmental impact.
So would it be right to saythat women for homes would be
(22:28):
addressing all these values?
Speaker 3 (22:32):
Absolutely, absolutely.
And I'll tell you why.
I mean, if we don't address theaffordability and the wealth
inequality let's just talk aboutit like that then we are
creating a whole generation ofpeople who are disenfranchised,
who are angry, and that's goingto lead to civil unrest.
(22:53):
It absolutely what we've seenit happen before, even in
australia, where we're the luckycountry.
Um, if we don't address the, thechanging climate, and the, the,
the building industry, theconstruction industry, is one of
the biggest contributors togreenhouse gases.
So if we're not addressing thatand if we're just building the
(23:15):
same old, same old, then we'rekicking the can down the road
and we've got a big problemthat's going to bite us in the
bottoms a few years down theline.
Anyway, it already is, we'vealready seen the impacts of it,
but we actually do stand achance of mitigating it.
And why not do that with one ofthe biggest industries that we
have in this country and acrossthe world?
(23:35):
And so, yeah, we're taking careof the, the environmental
aspect, we're taking care of thesocial aspect and we're taking
care of the financial aspect,and we're bringing all of these
women who are interested in allof these things together to make
it work.
And I just look at this andthink it's an absolute
(23:57):
win-win-win on lots of differentlevels.
Speaker 2 (23:59):
Yes, because I know we have a housing crisis.
They keep talking about it thatin australia we have a housing
crisis.
We're not building enough homes.
There's also a incredibly longwait list for public housing and
some people have to wait yearsand years just to get a house,
an apartment right.
So tell us more about Women forHomes At the moment.
(24:21):
Where are you up to with theinvesting and the construction
side of things?
Speaker 3 (24:28):
Okay.
So at the moment, with theinvesting, we are getting
expressions of interest fromwomen.
The reason I'm doing that is Ithink this is a very good idea
and it's a bit of a sanity check, in a sense, to see do other
people think it's a good ideaand do other people want to get
(24:49):
involved in it.
And we've started small.
It's very grassroots.
We've got 100 women over 100women that have registered their
interest so far.
Building a retail fund is apretty expensive endeavour and I
wanted to make sure that we hadenough women that were
interested so we could get tothat critical mass at the
(25:11):
beginning and then take it fromthere.
So once I know that we've got,you know, $25 million that has
been pledged, then that amountof money justifies us going and
building a retail fund.
So that's where we're up to atthe moment.
We've got just over 100 women.
(25:32):
I'm looking at partnerships withother organisations that are in
alignment with our values and,yeah, that's looking really
promising.
I'm hoping that in the next fewweeks that we do have
partnership with a organisation,which will really jumpstart us
(25:57):
and get us to starting the funda lot more quickly.
And what I'm recognising aswell is that collaboration is
really important.
Now, obviously, I've alwaysknown about this.
This is something that we know.
Collaborating does help thingswork better, but I'm really
seeing the benefit of it at themoment.
So I'm getting that experienceof collaboration which again, I
(26:22):
talk about investing andlearning about money and being
financially empowered assomething that should be joyful
and fun.
I believe when we'recollaborating with values,
aligned organisations and people, then that is also spreading
that joy and fun as well.
So, yeah, when I think aboutWomen for Homes, that's what I
(26:45):
think about.
It's like how do we share thisand how do we get this out there
, Not as a oh, we've got to dosomething about homelessness,
but as a we've got the power tochange this.
Let's do it.
Speaker 2 (26:58):
It's more like a movement, something that people
can get behind if they shareyour values.
So what is the ultimate dreamor the ultimate goal for Women?
For Homes?
Speaker 3 (27:07):
Yes, oh, that we get to our million women and that's,
you know, not just a millionnames on a list, it's a million
women that are motivated andinspired to invest $5,000.
That brings us to $5 billionthat we can put into creating
(27:28):
affordable and sustainablehousing, and that $5 billion
doesn't stop there.
That unlocks more capital aswell to be able to really make a
difference, and I think thatending homelessness really is a
solvable problem.
It's something that canabsolutely be done.
One of the things that reallyencourages me is that during the
(27:49):
pandemic, there were lots ofcities around the world that
just realised that they couldn'thave lots of homeless people
walking around and spreadingCOVID.
So, because people weren'tflying anywhere, there were lots
of spaces that were unoccupied,and so a lot of homeless people
(28:11):
were housed during that time.
So I find that reallyencouraging, because we've done
it once and we can do it again.
Speaker 2 (28:19):
Yes, I did read those updates as well.
It was very heartening to seethat they were being housed in
nice hotel rooms.
They were being fed, they werebeing looked after, they felt
safe and, for the first timeperhaps, they felt dignified,
that they were seen, that theywere treated just like a normal
human being.
Right, because I'm sure youknow, without having any lived
(28:42):
experience, that just byobservation, it must be
tremendously difficult anddignity-robbing to not have a
roof over your head, to not havea place that you can call home
and go to every night and knowthat these four walls, you know,
this place is mine, this iswhere I belong, this is where
(29:02):
I'm safe, and to have toconstantly look and look and,
you know, hope and pray forsomething better to show up.
So I did wonder, you know, likeas soon as things sort of went
back to normal, you know why wecouldn't have used that
resourcefulness to repurposesome other facilities that were
not being used for accommodationpurposes.
(29:23):
But I'm sure that's part of abigger conversation and I'm sure
other organisations are lookinginto that as well.
So where do you see Women forHomes in 10 years' time to that?
Speaker 3 (29:33):
as well.
So where do you see Women forHomes in 10 years time?
Oh, that's a great question.
I see that we have endedhomelessness by that point and
we're looking at well, what'sthe next thing that we can do,
what's the next thing that wecan tackle?
I love that.
Speaker 2 (29:50):
Yeah, I love that, because right now, if you said
2030, that's five years from now.
Speaker 3 (29:56):
Five years away, yeah .
That's exciting, it is reallyexciting, and what I love about
it is and you said the wordbefore movement I've always felt
that this is a movement, andwhen I think of some of the most
amazing movements that we allknow about, somebody started off
(30:22):
with an idea, and then it wasall of these people coming
together and bringing theirenergy to this cause to make a
difference, and that's whatcreates that momentum, that's
what creates that movement.
So it then, you know, I thinkabout this in terms of, well,
yes, okay, we're aiming to endhomelessness, but it's not a
(30:45):
linear okay, we're going to dothis and we're going to do this
and we're going to do this.
In a sense, it is because, ofcourse, we're going to be
investing into more homes, but Ijust feel that there are, there
is an unseen energy.
That is what is going to makethis work.
(31:05):
So this, this people power,this, um, women power, and this
sense of purpose in comingtogether and there's not
necessarily a word for that,it's not necessarily a visible
thing.
The visibility of it comes fromthe actions that are being
taken and the change that hasbeen made.
Speaker 2 (31:29):
Yes, I think that's how all movements start, isn't
it?
With an idea that can changethe world, and it sounds like a
huge thing at the beginning,until you realize, by
communicating and telling yourstory again and again to one
person, five persons, tenpersons, and you hear how other
people respond to your idea yourcrazy idea and you realize it's
(31:51):
not so crazy.
Respond to your idea your crazyidea and you realize it's not
so crazy by myself.
Maybe I can't do it, but with10 people, with 100 people who
share this ethos and this vision, just as you did when you
started your property journey,you didn't just launch into it
by yourself.
You found a business partnerwho complemented what you had.
You had more time, they hadmore money, so you made a good
(32:13):
team.
So I think, in the same way too,collaboration has been a theme
of this conversation too findingthe right partners, doing your
due diligence, being clear onyour own personal ethos.
How do you align with otherpeople as you share this vision
with them?
And making sure the sanitycheck you said like to somebody
else who's hearing it for thefirst time.
(32:34):
They may get very enthusiastic,but then you also want to help
them moderate.
Some of that just in case,because we know we've made those
decisions.
We just jumped in two feet andthen we regret it because we
didn't wait long enough to letit all play out.
So I think that's what you'retrying to do too to hold your
horses.
Let's make sure we've got allthe structures in place.
(32:55):
It's, you know, compliant, it'ssafe, it's ethical.
You've considered this and allthe other things, and here are
the loopholes and here are therisks, and so on.
So where do people who arelistening to this and getting
excited about the thought thatmaybe in 10 years time,
homelessness will be a thing ofthe past, and especially a thing
(33:16):
of the past for women?
Speaker 3 (33:23):
where can they find out more and connect with you?
Well, the most logical placewould be to go to the Women for
Homes website, which iswomen4homescom, so women4h
homescom, so women for homescom.
There they can?
Um become a member of women forhomes.
Um, it's free to become amember.
(33:43):
There's lots of resources there, and there's the podcast, the
financially empoweredfinancially empowered women
podcast that I mentioned before.
Um, we have watch party, acommunity where, when we do the
podcast, the day before it goesout, uh, on general release, we
have the guest of the podcastcome in and speak um again and
(34:05):
um, that's really that's.
That's always really good fun.
Um, we have courses in there aswell.
So there's there's a lot ofresources that are available and
it's a really good way ofpeople just staying connected to
what it is that we're doing.
We share updates and thingslike that.
Otherwise, I am most talkativeor typative, if that's even a
(34:29):
word on LinkedIn.
So I share lots of content onLinkedIn.
I'm always finding in myLinkedIn feed some really
interesting information, and sojust sharing that and seeing
people doing things in differentways, seeing some amazing
housing projects, sharing aboutamazing housing projects that
I'm involved in as well but,yeah, that's the place to join
(34:52):
the conversation too.
Speaker 2 (34:54):
Fabulous.
So to connect with you, toconnect with Dr Dionne Payne,
make sure you connect with heron LinkedIn, which is where she
spends the most time, and alsocheck out her podcast, the
Financially Empowered Womenpodcast, where she provides
financial education resources,but also the community, which I
think is really important,because that's what women want
(35:14):
to be a part of.
We don't just want to knowthings, we also want to hang out
with people who are like us andwho like the same sorts of
things, isn't it?
Because that's more joyful andfun when we are doing it
together.
Fabulous.
So thank you so much, dr DionnePayne, for coming on the Quiet
Warrior podcast today.
Speaker 3 (35:30):
Thank you so much.
It's been a real pleasurespeaking with you.
Speaker 2 (35:35):
If you enjoyed today's episode, be sure to
subscribe to the Quiet Warriorpodcast for more conversations
like this, and remember to leavea five-star rating and review
to help us reach more introvertsand quiet achievers around the
world.
See you on the next episode.
I'm so grateful that you'rehere today.
If you found this contentvaluable, please share it on
(35:56):
your social media channels andsubscribe to the show on your
favorite listening platform.
Together, we can help moreintroverts thrive.
To receive more upliftingcontent like this, connect with
me on Instagram at Serena LoQuiet Warrior Coach.
Thank you for sharing your timeand your energy with me.
See you on the next episode.
Hi, I'm Serena Loh.
If you're used to hearing thatintroverts are shy, anxious,
antisocial and lack goodcommunication and leadership
skills, then this podcast is foryou.
You're about to fall in lovewith the calm, introspective and
profound person that you are.
Discover what's fun, unique andpowerful about being an
(00:21):
introvert, and how to make theelegant transition from quiet
achiever to quiet warrior inyour life and work anytime you
want, in more ways than youimagined possible.
Welcome.
Speaker 2 (00:36):
Hello and welcome to the Quiet Warrior podcast.
Today I have a special guestwhose mission is to inspire 1
million women to invest $5,000to end homelessness by 2030,
whilst being financiallyempowered along the way.
Her name is Dr Dionne Payne andshe's the founder of Women for
Homes, a company whose missionis to inspire 1 million women by
(01:00):
2030.
Dionne has over 10 years in theproperty industry, has
developed affordable housingprojects, raises funds for
ethical property developmentsand has helped over 40 investors
achieve double-digit returnsthrough property.
She's also the author of thenumber one Amazon best-selling
book, ethical Property Investing, and regularly writes and
(01:21):
speaks on the topic.
Welcome, dr Dionne Payne, tothe Quiet Warrior podcast.
Thank you, serena Dionne.
I would love to start by askingyou a little bit about your
background and your career storyand how you come to be doing
what you now do.
Speaker 3 (01:40):
Well my background.
So I'm from the UK.
I was born to Jamaican parents,so I'm first-generation British
.
My grandparents and parentswhen they migrated to the UK in
the 60s, they encountered a lotof racism and, as a result, the
(02:04):
message that I got when I wasgrowing up was I need to work
hard, nobody's ever going togive me a break, and you know
just the sort of working hardmentality was really important,
just to be able to get ahead andto be on an even pegging with
everybody else.
So that really shaped meactually, and I did work hard
(02:29):
and I still work hard, andsometimes I have to remember
that I don't have to work sohard.
That was a model that served meand served my family many years
ago, but I can see that theusefulness of that belief isn't
as useful today as it was then.
So part of that working hardwas doing all of the right
(02:51):
things academically.
So I was quite smart as a childand I went to university.
I ended up doing a PhD, which ishow I ended up in Australia.
Actually, I came over here justfor a year, managed to get a
PhD scholarship and stayed, andthen that gave me enough points
to stay.
So for me, it was a bit of anaccident that I ended up staying
(03:13):
in Australia.
I've been here 20 years now andI really didn't expect to be
here this long, but I fell inlove with Australia and the
outdoor lifestyle, yeah.
So that's kind of how I gothere.
But my PhD was not anything todo with what I do now.
My PhD was a catalyst forstaying here.
(03:36):
But when I finished that PhD andI just thought, well, what am I
going to do next?
I was pregnant at the time, soI had my children.
I got to be a stay-at-home mum,which was just divine.
I really enjoyed that beinghome with the kids.
But what it meant was that ourearning capacity as a household
was a lot less than it couldhave been, and I consciously
(04:00):
made that choice.
But even then, I was not verysatisfied with not being able to
buy the home that I wanted to.
So that was what spurred me onto learn about property
investing and propertydevelopment.
I must admit, I got very seducedby the idea that I could build
(04:21):
a townhouse, or build a fewtownhouses, and make hundreds of
thousands of dollars, and I waslike, great, how do we do that?
And so our journey.
This is myself and my husband.
Our journey was to partner withsomebody that had more cash
than time.
We definitely had more timethan cash, and that was how we
(04:41):
got started.
So we did our first development.
It was a very small developmenta renovation and a subdivision
but when I got the check at theend of that I was like, wow,
this was my blood, sweat andtears and I got to benefit from
that, which was amazing.
So, yeah, that spurred me onand I just saw that property was
transforming my life andtransforming what I believed
(05:05):
that I could do, going fromacademia to something that was
purely about making money.
It was very different and veryinspiring for me to just know,
oh well, yeah, okay, I don'thave to fit this mold, I can
move into something else andmake money, and it's actually
(05:26):
quite lucrative.
So that's what got me intoproperty in the first place.
And from then I did some moreprojects and the turning point
for me from doing justdevelopment to doing affordable
housing was that once I got afew of these smaller projects
(05:47):
under my belt and I looked atwell, I was just looking around
I was like, yep, I'm ready forsomething a bit bigger now, and
I saw a piece of land.
It had development approval for14 one-bedroom townhouses.
I ran the numbers and realizedthat I could make it work and I
was like, yes, and again, it wasall about partners.
I realised that we would needto have partners to go in with
(06:11):
to make this work.
So I found some partners and Iwent on with the build and what
changed for me was actually itwas interesting because my joint
venture partner was veryfocused on the money, more so
than I was.
Once I got that there was somesocial good in that, then I was
(06:32):
really.
It wasn't that I didn't wantthe money, it wasn't that at all
but my joint venture partnerwas much more about squeezing
every dollar out of thetransaction, whereas I realized
that there was a social benefit,an environmental benefit and a
financial benefit and I wantedto maximise all of those.
I think the key thing for mewas realising that I had friends
(06:54):
in the area that could buy intothese properties and afford
these properties.
At the time, we were sellingthem for an average of 350 000
when the median house price was650 000.
So it was.
It was quite significant, andwhen I realized that teachers
and paramedics and nurses wereable to buy into this, I was
like this is really cool, and some and my joint venture partner
(07:21):
eventually ended up going wastebecause our values weren't
aligned.
But in the process of doing thatproject, what I realized was
that we could.
We could have it all.
We could make a social andenvironmental impact and we
could actually make money aswell, and that really spurred me
on to do more of that.
I realized I wasn't going to dothat from a developer
perspective, because that routeactually caused burnout for me,
(07:45):
but I could certainly facilitateit by helping other property
developers that were focusing onaffordable and sustainable
housing.
I could raise money for them,and so that's what I've been
doing for the past four years.
My business, high impactproperty investment started four
years ago, and in November Istarted a sister organisation,
which is Women for Homes,because I realised that there's
(08:07):
such a big disconnect for womenbeing able to get into property
and there's all of thesesystemic barriers that are
making it harder for women tobuild wealth for themselves, and
that lack of financialindependence is what is causing
homelessness, which I'm reallykeen to stamp out as quickly as
possible, and so that was whereWomen for Homes was born, it was
(08:29):
really about, okay, how can wegalvanize a movement of women to
really make a difference, toend homelessness and be
financially empowered as well?
That has been quite the journeyfor you.
Speaker 2 (08:40):
That has been quite the journey for you and I want
to take you back to when youfirst said your ethos that you
had inherited from the familywas working hard, and to you at
the time that meant doing allthe right things, the things
that we are expected to do byour family, by community, by
(09:01):
society.
And as long as you stick to thatpath, you work hard, you do the
right things, you musteventually succeed.
Right, and I love also that youtook time off to raise your
family.
You said that was a divine timefor you that being able to
spend that time solely for yourfamily.
But you also acknowledged therewas a financial impact and I
(09:22):
think a lot of our audience will, our listeners will resonate
with that, because that exactlyis the thing, isn't it?
With women and with thefinancial impact of certain
decisions that we make, partlyby choice, but partly also
because there is a socialexpectation that it is the women
who stay home to look after thechildren?
It is the women who stay hometo look after the children.
(09:46):
So let's talk about thesystemic barriers and how that
is affecting women and theirhousing situation.
Speaker 3 (09:58):
Yeah, good question.
So I mean, we talk a lot aboutthe gender pay gap and that is
something that is absolutelytrue, but most people know about
that.
There's some other aspects tothere's some other systemic
barriers that I really do thinkthat are worth bringing up, and
one of those things that youmentioned there about the
(10:19):
societal roles of women stayinghome and their better place to
stay home, and maybe they are,you know, as women we are more
nurturing.
I'm not saying that we have to,I'm just saying that maybe
there is, yeah, maybe there is aplace for that.
But what that leads to, andsomething that I have to be
(10:42):
constantly on my guard about, isthat an equal distribution of
labour.
So, you know, it's the, becauseit's the women's role to be the
nurturer.
Then it falls on the women'sshoulders to, you know, be the
cook and the cleaner and theperson that takes the kids
everywhere, and sometimes thatrole isn't recognized.
(11:09):
I remember reading um or hearing, actually a few years ago, that
if we were to outsource um, therole of mother and and all of
those different jobs that wetake on as mother, we would have
to pay that person or that team, because it's more like a team
of people that needs to do that.
We would be paying $200,000 ayear for that role, and I
(11:37):
certainly wasn't being paid that.
And look, there's nothingagainst my husband or anything
like that.
We weren't even thinking aboutthose kinds of things at all.
Nothing against my husband oranything like that.
We weren't even thinking aboutthose kinds of things at all.
But, um, it is that burden ofunpaid labor that is not
recognized.
And I do believe that if we put, if we had that value of what
(11:57):
women bring, or, let's put itthis way, if we have that value
of what the caregiver brings inthe raising of a family and
keeping a home, um, and wequantified that and we actually
looked after the caregiver inthat way.
So what would that lookingafter look like?
It would be paying supercontributions for the time that
(12:20):
that caregiver is out of theworkforce.
It would be, you know, sort ofhaving support in place so that
it's not all falling on oneperson's shoulders.
So there's a mental load,there's a financial load, yeah,
(12:49):
and it it's just really unfairnow because it just because it's
not being recognized that thecontribution that has been made.
And so, yeah, we talk about thegender pay gap.
I think it goes a bit deeperthan that.
And then, you know, to expandon that even more, because it's
(13:11):
getting harder for young peopleto be able to leave home and to
be able to afford to purchaseproperty or even rent properties
.
When they do stay home withtheir parents and maybe a single
mum that they're staying homewith the single mum is still in
the mindset of, well, I've gotto look after my child, I've got
to provide for my child, eventhough they're staying home with
the single mum is still in themindset of, well, I've got to
(13:32):
look after my child, I've got toprovide for my child, even
though they're older.
So then her needs are not beingmet in the same way.
So this cycle ofunderappreciation and
undervaluing is a real barrier,and it's not just an external
barrier.
Sometimes we place that barrieron ourselves as women as well.
(13:52):
So then we don't go for thethings that we want to go for
because, oh well, we've got anobligation to look after our
kids over here, or we've got anobligation to look after our
parents, because there's alsoyou know, we're in that what
they call it, the sandwichgeneration, where we're not just
caregiving for our children,we're caregiving for our parents
as well.
So it's the weight of thesocietal expectations, it's the
(14:21):
weight of our own expectationson ourselves.
Speaker 2 (14:25):
Those are some of the structural barriers that I'm
really seeing, and I think toadd to that also, the other part
of the cycle is because whenmen and women in the same role
start off already with that paygap, the perception then is that
it's easier for the woman to bethe one to give up the job to
stay home.
(14:45):
But then of course that startsthat whole cycle of can't
contribute to your super.
Take time away from your careerand not all places value career
breaks equally.
So when you come back after,say, five years, you know you
have to update your skills again.
You have to explain your careerbreak.
Sometimes to certainorganizations.
It may be looked upon not veryfavorably depending on how you
(15:06):
craft your story and then youcome back into it.
But again you are a step behindyou're playing catch up, so
you're perpetually playing catchup yeah yeah, so what can we do
about this?
and how does propertydevelopment, or property as a
vehicle itself?
How does that help someone tobreak the cycle?
Speaker 3 (15:35):
Well, I think, first of all, it starts off with
valuing ourselves and valuingour contribution.
So and I'm going to speak formyself here if I had recognised
and really sort of understoodand embodied that my role as a
mother was $200,000 a year andwas worth that, I would have
made some really differentdecisions.
So, number one, I would havespoken to my husband and said,
(15:58):
well, hey look, I'm staying homewith the kids.
I need to make sure I've gotsuper annuation as well.
Let's put some supercontributions into my account
too.
And that's one area that I couldthink of.
Another area is I rememberbeing at home with the kids and,
(16:19):
like I said, I loved it and Iwould never change it at all.
Um, but I do remember feeling,um, just a little bit uncertain
of, you know, like if I wantedto go and do something and I
needed to get some money from myhusband, I'd have this kind of
like oh well, I shouldn't really, because you know I'd just get
(16:40):
to stay home all day, you know.
So there was a lack of valuingmyself and the role that I was
doing, which fed into the lackof confidence when it came back
to going into the workforce.
So, yeah, I think how do webreak this cycle, really valuing
the contribution that we makeand having that confidence in
(17:03):
ourselves to say, well, yeah,I'm worth this and no, okay,
I've been out of the workforcefor five years but I've been
raising a family and these areall the things that I've been
doingand this is what I can bring to
an organisation.
And no, I'm not going to acceptsome crappy pay deal, because I
value myself and you know theskill I've got additional skills
(17:27):
to what I left the workforcewith when I raised my children
or before I raised my children.
So I think there's a definitemindset shift and a definite
appreciation and valuing ofourselves.
That's really important.
And then where does propertyfit into that?
I think it's not just property,it's wealth creation.
(17:50):
I think.
And it's not just property,it's wealth creation.
I think when you value yourselffor what you bring, whether
it's to an organisation or to afamily, it's much easier to
think about.
You know, how do I contributeor how do I build wealth for
myself and my family from thisplace, and so property is just
(18:11):
one vehicle.
Right, there's shares andthere's, you know, crypto, if
you're so inclined, and there'sdefinitely lots of vehicles to
be, to be growing wealth and fitthat probably.
I love property and I've hadsuch good experiences from it,
so I can wax lyrical about it.
Um, but just starting from thatplace of, well, yep, I value
(18:32):
myself and I'm going to createwealth for myself and my family,
um, and whatever vehicle Ichoose to do that in.
I'm going to learn and applywhat I learn until I succeed in
what I'm doing.
So, um, but let's talk aboutproperty and let's talk about it
from the perspective of womenfor homes.
What I saw was, yes, we do havethese systemic barriers.
(18:53):
Women are not aware of thosesystemic barriers or they don't
think that they're going toapply to them.
So then they just ignore it and, you know, make excuses like,
oh, I'm not very good atfinances and you know I'll think
about that later or I'll thinkabout that when I've got some
time.
And yes, it it's, it's with,without awareness, we end up
(19:24):
making choices that are not inour best interest.
So, women for homes number oneis about I'll call it financial
education.
It's not really that we've gota plethora of financial
education, but what I wanted todo with Women for Homes was to
make that education relevant andpractical, women-specific, and
(19:46):
actually have it make adifference, have it be joyful
and fun and not just a boringreading of the Australian
Financial Review and I apologiseif you love reading the
Australian Financial Review, buteven I saw it today and I was
like whoa, there's some reallytough terminology in there.
What about if we make investingand talking about money and
(20:07):
talking about what you know,what salary do you get and what
salary do you get anddemystifying this whole thing.
So, again, it's about raisingawareness.
So one of the things that we doin Women for Homes is have a
podcast which is called theFinancially Empowered Women
podcast, and just before we goton the call, I had an episode
(20:27):
with a lady who was talkingabout rent, vesting and
purchasing property and propertyinvesting and the things that
she was saying.
That these are things that Iknow, but I know a lot of people
don't know this kind ofinformation.
So it's really about bringingeducation that is not
necessarily widely out there tothe forefront so people can
(20:49):
women specifically can makebetter choices.
And then the other side ofthings is around the investing
piece.
And when I looked at, well, whyare women at such a
disadvantage?
Why are women ending uphomeless in the first place?
We do have the financialeducation piece that I mentioned
(21:10):
, but we also have.
We just need to build morehomes.
So you know it's building morehomes takes money.
What if there's a way thatwomen who are learning about
money and building theirconfidence in money have a way
to invest in something that hasthe potential to end a huge
(21:32):
social issue, and so Women forHomes is also going to be a fund
.
So basically, it's a way ofwomen investing together to
collate a large sum of moneythat can be then invested into
building affordable andsustainable housing, which then
(21:53):
means that they can earn anabove market return on their
investments.
So it's I don't want to saykilling two birds with one stone
, but I can't think of a betterword for that at the moment.
Speaker 2 (22:05):
It's financially empowering women and it's also
solving the problem, soeverybody gets to be part of the
solution and that goes back towhat you said earlier, when you
said you had a parting of theways with your joint venture
partner, because your values aresocial good, financial benefit
as well as environmental impact.
So would it be right to saythat women for homes would be
(22:28):
addressing all these values?
Speaker 3 (22:32):
Absolutely, absolutely.
And I'll tell you why.
I mean, if we don't address theaffordability and the wealth
inequality let's just talk aboutit like that then we are
creating a whole generation ofpeople who are disenfranchised,
who are angry, and that's goingto lead to civil unrest.
(22:53):
It absolutely what we've seenit happen before, even in
australia, where we're the luckycountry.
Um, if we don't address the, thechanging climate, and the, the,
the building industry, theconstruction industry, is one of
the biggest contributors togreenhouse gases.
So if we're not addressing thatand if we're just building the
(23:15):
same old, same old, then we'rekicking the can down the road
and we've got a big problemthat's going to bite us in the
bottoms a few years down theline.
Anyway, it already is, we'vealready seen the impacts of it,
but we actually do stand achance of mitigating it.
And why not do that with one ofthe biggest industries that we
have in this country and acrossthe world?
(23:35):
And so, yeah, we're taking careof the, the environmental
aspect, we're taking care of thesocial aspect and we're taking
care of the financial aspect,and we're bringing all of these
women who are interested in allof these things together to make
it work.
And I just look at this andthink it's an absolute
(23:57):
win-win-win on lots of differentlevels.
Speaker 2 (23:59):
Yes, because I know we have a housing crisis.
They keep talking about it thatin australia we have a housing
crisis.
We're not building enough homes.
There's also a incredibly longwait list for public housing and
some people have to wait yearsand years just to get a house,
an apartment right.
So tell us more about Women forHomes At the moment.
(24:21):
Where are you up to with theinvesting and the construction
side of things?
Speaker 3 (24:28):
Okay.
So at the moment, with theinvesting, we are getting
expressions of interest fromwomen.
The reason I'm doing that is Ithink this is a very good idea
and it's a bit of a sanity check, in a sense, to see do other
people think it's a good ideaand do other people want to get
(24:49):
involved in it.
And we've started small.
It's very grassroots.
We've got 100 women over 100women that have registered their
interest so far.
Building a retail fund is apretty expensive endeavour and I
wanted to make sure that we hadenough women that were
interested so we could get tothat critical mass at the
(25:11):
beginning and then take it fromthere.
So once I know that we've got,you know, $25 million that has
been pledged, then that amountof money justifies us going and
building a retail fund.
So that's where we're up to atthe moment.
We've got just over 100 women.
(25:32):
I'm looking at partnerships withother organisations that are in
alignment with our values and,yeah, that's looking really
promising.
I'm hoping that in the next fewweeks that we do have
partnership with a organisation,which will really jumpstart us
(25:57):
and get us to starting the funda lot more quickly.
And what I'm recognising aswell is that collaboration is
really important.
Now, obviously, I've alwaysknown about this.
This is something that we know.
Collaborating does help thingswork better, but I'm really
seeing the benefit of it at themoment.
So I'm getting that experienceof collaboration which again, I
(26:22):
talk about investing andlearning about money and being
financially empowered assomething that should be joyful
and fun.
I believe when we'recollaborating with values,
aligned organisations and people, then that is also spreading
that joy and fun as well.
So, yeah, when I think aboutWomen for Homes, that's what I
(26:45):
think about.
It's like how do we share thisand how do we get this out there
, Not as a oh, we've got to dosomething about homelessness,
but as a we've got the power tochange this.
Let's do it.
Speaker 2 (26:58):
It's more like a movement, something that people
can get behind if they shareyour values.
So what is the ultimate dreamor the ultimate goal for Women?
For Homes?
Speaker 3 (27:07):
Yes, oh, that we get to our million women and that's,
you know, not just a millionnames on a list, it's a million
women that are motivated andinspired to invest $5,000.
That brings us to $5 billionthat we can put into creating
(27:28):
affordable and sustainablehousing, and that $5 billion
doesn't stop there.
That unlocks more capital aswell to be able to really make a
difference, and I think thatending homelessness really is a
solvable problem.
It's something that canabsolutely be done.
One of the things that reallyencourages me is that during the
(27:49):
pandemic, there were lots ofcities around the world that
just realised that they couldn'thave lots of homeless people
walking around and spreadingCOVID.
So, because people weren'tflying anywhere, there were lots
of spaces that were unoccupied,and so a lot of homeless people
(28:11):
were housed during that time.
So I find that reallyencouraging, because we've done
it once and we can do it again.
Speaker 2 (28:19):
Yes, I did read those updates as well.
It was very heartening to seethat they were being housed in
nice hotel rooms.
They were being fed, they werebeing looked after, they felt
safe and, for the first timeperhaps, they felt dignified,
that they were seen, that theywere treated just like a normal
human being.
Right, because I'm sure youknow, without having any lived
(28:42):
experience, that just byobservation, it must be
tremendously difficult anddignity-robbing to not have a
roof over your head, to not havea place that you can call home
and go to every night and knowthat these four walls, you know,
this place is mine, this iswhere I belong, this is where
(29:02):
I'm safe, and to have toconstantly look and look and,
you know, hope and pray forsomething better to show up.
So I did wonder, you know, likeas soon as things sort of went
back to normal, you know why wecouldn't have used that
resourcefulness to repurposesome other facilities that were
not being used for accommodationpurposes.
(29:23):
But I'm sure that's part of abigger conversation and I'm sure
other organisations are lookinginto that as well.
So where do you see Women forHomes in 10 years' time to that?
Speaker 3 (29:33):
as well.
So where do you see Women forHomes in 10 years time?
Oh, that's a great question.
I see that we have endedhomelessness by that point and
we're looking at well, what'sthe next thing that we can do,
what's the next thing that wecan tackle?
I love that.
Speaker 2 (29:50):
Yeah, I love that, because right now, if you said
2030, that's five years from now.
Speaker 3 (29:56):
Five years away, yeah .
That's exciting, it is reallyexciting, and what I love about
it is and you said the wordbefore movement I've always felt
that this is a movement, andwhen I think of some of the most
amazing movements that we allknow about, somebody started off
(30:22):
with an idea, and then it wasall of these people coming
together and bringing theirenergy to this cause to make a
difference, and that's whatcreates that momentum, that's
what creates that movement.
So it then, you know, I thinkabout this in terms of, well,
yes, okay, we're aiming to endhomelessness, but it's not a
(30:45):
linear okay, we're going to dothis and we're going to do this
and we're going to do this.
In a sense, it is because, ofcourse, we're going to be
investing into more homes, but Ijust feel that there are, there
is an unseen energy.
That is what is going to makethis work.
(31:05):
So this, this people power,this, um, women power, and this
sense of purpose in comingtogether and there's not
necessarily a word for that,it's not necessarily a visible
thing.
The visibility of it comes fromthe actions that are being
taken and the change that hasbeen made.
Speaker 2 (31:29):
Yes, I think that's how all movements start, isn't
it?
With an idea that can changethe world, and it sounds like a
huge thing at the beginning,until you realize, by
communicating and telling yourstory again and again to one
person, five persons, tenpersons, and you hear how other
people respond to your idea yourcrazy idea and you realize it's
(31:51):
not so crazy.
Respond to your idea your crazyidea and you realize it's not
so crazy by myself.
Maybe I can't do it, but with10 people, with 100 people who
share this ethos and this vision, just as you did when you
started your property journey,you didn't just launch into it
by yourself.
You found a business partnerwho complemented what you had.
You had more time, they hadmore money, so you made a good
(32:13):
team.
So I think, in the same way too,collaboration has been a theme
of this conversation too findingthe right partners, doing your
due diligence, being clear onyour own personal ethos.
How do you align with otherpeople as you share this vision
with them?
And making sure the sanitycheck you said like to somebody
else who's hearing it for thefirst time.
(32:34):
They may get very enthusiastic,but then you also want to help
them moderate.
Some of that just in case,because we know we've made those
decisions.
We just jumped in two feet andthen we regret it because we
didn't wait long enough to letit all play out.
So I think that's what you'retrying to do too to hold your
horses.
Let's make sure we've got allthe structures in place.
(32:55):
It's, you know, compliant, it'ssafe, it's ethical.
You've considered this and allthe other things, and here are
the loopholes and here are therisks, and so on.
So where do people who arelistening to this and getting
excited about the thought thatmaybe in 10 years time,
homelessness will be a thing ofthe past, and especially a thing
(33:16):
of the past for women?
Speaker 3 (33:23):
where can they find out more and connect with you?
Well, the most logical placewould be to go to the Women for
Homes website, which iswomen4homescom, so women4h
homescom, so women for homescom.
There they can?
Um become a member of women forhomes.
Um, it's free to become amember.
(33:43):
There's lots of resources there, and there's the podcast, the
financially empoweredfinancially empowered women
podcast that I mentioned before.
Um, we have watch party, acommunity where, when we do the
podcast, the day before it goesout, uh, on general release, we
have the guest of the podcastcome in and speak um again and
(34:05):
um, that's really that's.
That's always really good fun.
Um, we have courses in there aswell.
So there's there's a lot ofresources that are available and
it's a really good way ofpeople just staying connected to
what it is that we're doing.
We share updates and thingslike that.
Otherwise, I am most talkativeor typative, if that's even a
(34:29):
word on LinkedIn.
So I share lots of content onLinkedIn.
I'm always finding in myLinkedIn feed some really
interesting information, and sojust sharing that and seeing
people doing things in differentways, seeing some amazing
housing projects, sharing aboutamazing housing projects that
I'm involved in as well but,yeah, that's the place to join
(34:52):
the conversation too.
Speaker 2 (34:54):
Fabulous.
So to connect with you, toconnect with Dr Dionne Payne,
make sure you connect with heron LinkedIn, which is where she
spends the most time, and alsocheck out her podcast, the
Financially Empowered Womenpodcast, where she provides
financial education resources,but also the community, which I
think is really important,because that's what women want
(35:14):
to be a part of.
We don't just want to knowthings, we also want to hang out
with people who are like us andwho like the same sorts of
things, isn't it?
Because that's more joyful andfun when we are doing it
together.
Fabulous.
So thank you so much, dr DionnePayne, for coming on the Quiet
Warrior podcast today.
Speaker 3 (35:30):
Thank you so much.
It's been a real pleasurespeaking with you.
Speaker 2 (35:35):
If you enjoyed today's episode, be sure to
subscribe to the Quiet Warriorpodcast for more conversations
like this, and remember to leavea five-star rating and review
to help us reach more introvertsand quiet achievers around the
world.
See you on the next episode.
I'm so grateful that you'rehere today.
If you found this contentvaluable, please share it on
(35:56):
your social media channels andsubscribe to the show on your
favorite listening platform.
Together, we can help moreintroverts thrive.
To receive more upliftingcontent like this, connect with
me on Instagram at Serena LoQuiet Warrior Coach.
Thank you for sharing your timeand your energy with me.
See you on the next episode.
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