Penelope Rowe giggles when we ask her to describe her relationship with her eldest daughter Jessica.
โHmm, how do I describe Jessica?โ she tells Womanโs Day. โLetโs say she makes me laugh a lot.
โWhen she was tiny, she used to clutch onto my skirt and hide behind me when anyone spoke to me. And sheโs just developed into this resilient, mature and very funny person,โ she adds.
โSheโs the most thoughtful, beautiful daughter.โ

MAKING IT HAPPEN
While itโs hard to imagine the jubilant and outgoing Jess ever being shy, she credits her growth to her mother, who told her from a very early age that she could do anything in her life.
โSheโs the most beautiful mum, sheโs always told us we can do whatever we put our minds to, but itโs up to us to make it happen,โ Jess says.
โMum always gave us the tools to show us that that was possible. And she did that through our close relationship. Weโd always be talking. I always knew I could come to her with whatever I was going through.โ
Jess, 54, and Penelope, 78, are so good at talking, they even spilled their innermost thoughts in a joint memoir, The Best Of Times, The Worst Of Times.
Released 20 years ago this year, at a time when mental illness was rarely discussed by people in the public eye, the book laid bare their experiences dealing with Penelopeโs depression and bipolar disorder.

โTo do that book together, it was an enormous privilege because we were able to write our accounts separately, and then come together to exchange drafts. It was almost a love letter to each other, and it gave me even more insight into mum and into the extraordinary woman that she is.โ
โSome of the things Jessica said I thought, โOh, I didnโt know thatโ, or โOh, thatโs so sad,โ and I imagine probably the same thing happened with some of the things I wrote,โ Penelope adds.
โBut we had built that intimacy and trust beforehand to say, โYes, we can write this book and make it a good book,โโ she says.
โWeโve always been so close.โ

THE SCAM
Having an open forum in their homes has been a saving grace for the pair, particularly recently, when they were both involved in elaborate scams.
With Penelope, a scammer hacked into her friendโs phone and messaged her requesting Apple gift cards as a way of helping them out of financial strife.
Jess had a scammer pose as an assistant for US comedian Chelsea Handler, who, wanting to book Jess on her podcast, was demanding a down payment first. After discussing it each other, the pair were able to shut down the scammers before they gave any money away.
They have now teamed up with the Commonwealth Bank for their Talk To A Loved One campaign, which urges Australians to talk to your loved ones when you feel like something isnโt right.
โItโs all about intergenerational conversations. So mum and I talk a lot, my daughters and I talk a lot. Itโs just about keeping those communication channels open and not being embarrassed at all,โ Jess says, adding that statistics reveal older Australians are more susceptible to scams because of the stigma and shame they feel when they realised theyโve been scammed.
โBut it can happen to any of us at any time, and you think youโre aware, but now some of the modern scams are getting more elaborate and much more tailored. Itโs terrifying!โ

When the pair arenโt thwarting off pesky scammers, Jess says theyโre laughing through life together as if theyโre best friends on a journey.
โWe love to laugh. We love to chat. We love to travel together,โ Jess says.
Just perhaps not any housework. โJessโ folding of the washing is a bit of a problem,โ Penelope laughs of her daughter, who often calls herself a โCrap Housewifeโ.
โMind you, when I was bringing up my three daughters and there was all this washing and they wouldnโt put it away. Iโd just wash it again. Thatโs how I dealt with it.
โBut I have to say, Jess does an amazing roast chook now and her pavlovas are sensational!โ she says with a smile.
For Jess and Penelopeโs tips on how to protect yourself against scams, visit CommBankโs website here.