1 00:00:00,280 --> 00:00:03,920 Speaker 1: This podcast is recorded on gaddigal Land Always was, always 2 00:00:03,920 --> 00:00:13,480 Speaker 1: will be Aboriginal Land. Hey Chicks, I'm sal and I'm 3 00:00:13,480 --> 00:00:15,200 Speaker 1: out and this is Two Break Chicks, the show that 4 00:00:15,240 --> 00:00:18,520 Speaker 1: shares life lessons and tips to help make you rich 5 00:00:18,800 --> 00:00:22,599 Speaker 1: in life. And today we are joined by Victoria Vivente, 6 00:00:22,800 --> 00:00:27,240 Speaker 1: and accredited financial counselor money crisis specialist and author of 7 00:00:27,400 --> 00:00:30,280 Speaker 1: the book Know Your Worth. You may know her as 8 00:00:30,320 --> 00:00:33,400 Speaker 1: Bad Bitch Money on Instagram and she currently works as 9 00:00:33,400 --> 00:00:37,360 Speaker 1: a vulnerability specialist in banking. In today's EPP, we're going 10 00:00:37,400 --> 00:00:39,440 Speaker 1: to be talking to Victoria about how to build a 11 00:00:39,479 --> 00:00:43,319 Speaker 1: budget in your twenties, strategies to track your expenses, and 12 00:00:43,400 --> 00:00:46,080 Speaker 1: how much you need in your emergency fund, and a 13 00:00:46,120 --> 00:00:46,920 Speaker 1: whole lot more. 14 00:00:47,159 --> 00:00:51,880 Speaker 2: So let's get into the chato. Hello, Hello, Hello Vicky. 15 00:00:52,920 --> 00:00:57,040 Speaker 2: Oh my gosh. Spoiler alert. I absolutely detest being called Vicky. 16 00:00:57,160 --> 00:01:00,840 Speaker 2: I heard it, So anything else, anything else? Please? 17 00:01:04,000 --> 00:01:04,160 Speaker 1: Now? 18 00:01:04,200 --> 00:01:09,200 Speaker 3: It's bvv love. Welcome to the show. We're so excited 19 00:01:09,240 --> 00:01:11,440 Speaker 3: to have you on. I can already tell this is 20 00:01:11,440 --> 00:01:12,640 Speaker 3: going to be a good episode. 21 00:01:12,760 --> 00:01:13,360 Speaker 2: I'm excited. 22 00:01:13,480 --> 00:01:15,640 Speaker 3: But before we get into the questions, we love to 23 00:01:15,640 --> 00:01:17,880 Speaker 3: start with a life lesson of the week, So would 24 00:01:17,880 --> 00:01:18,880 Speaker 3: you like to start us. 25 00:01:18,760 --> 00:01:22,039 Speaker 2: Off my life? Lesson of this week is such a 26 00:01:22,040 --> 00:01:22,520 Speaker 2: good one. 27 00:01:23,040 --> 00:01:27,200 Speaker 4: I was watching a real by the Financial Diet Chelsea, 28 00:01:27,360 --> 00:01:30,320 Speaker 4: and she was saying, if you want to stop yourself 29 00:01:30,319 --> 00:01:35,120 Speaker 4: from being miserable in your life and having comparison syndrome, 30 00:01:35,760 --> 00:01:40,160 Speaker 4: diversify what you are focused on in your life. She's like, 31 00:01:40,200 --> 00:01:43,000 Speaker 4: because if you are, for example, just focused on your career, 32 00:01:43,640 --> 00:01:47,080 Speaker 4: or you're just focused on you know, your social media 33 00:01:47,440 --> 00:01:52,040 Speaker 4: or your relationship or your degree, whatever it happens to be, 34 00:01:52,080 --> 00:01:55,280 Speaker 4: and you're solely focused on that, then you will always 35 00:01:55,320 --> 00:01:59,400 Speaker 4: compare yourself to people in that category. Whereas if you 36 00:01:59,480 --> 00:02:03,000 Speaker 4: diversify what's important to you and what you value and 37 00:02:03,080 --> 00:02:07,800 Speaker 4: spend your energy on, you'll always have a buffer from 38 00:02:07,800 --> 00:02:08,760 Speaker 4: comparing yourself. 39 00:02:08,800 --> 00:02:10,160 Speaker 2: I was like, Oh, that is magic. 40 00:02:10,360 --> 00:02:14,480 Speaker 3: That is amazing. I love that because you physically can't 41 00:02:14,639 --> 00:02:17,280 Speaker 3: compare yourself to every single facet of your life. 42 00:02:17,440 --> 00:02:17,639 Speaker 2: Yeah. 43 00:02:17,880 --> 00:02:20,200 Speaker 3: Yeah, don't put all of your ex in one maask exactly. 44 00:02:20,240 --> 00:02:22,280 Speaker 1: There's also a good quote in the Let Them Theory 45 00:02:22,320 --> 00:02:25,800 Speaker 1: book that says comparison will either be teacher or torture. 46 00:02:28,680 --> 00:02:31,880 Speaker 3: I was like, thank you, I feel like it's always torture. 47 00:02:32,639 --> 00:02:35,359 Speaker 1: You can use it as a teacher, so you can 48 00:02:35,480 --> 00:02:38,160 Speaker 1: use it to learn things and realize maybe what's valuable 49 00:02:38,160 --> 00:02:39,880 Speaker 1: to you or what you want to do more of, 50 00:02:40,120 --> 00:02:40,680 Speaker 1: or things like that. 51 00:02:40,760 --> 00:02:41,680 Speaker 3: She has a whole chapter on. 52 00:02:41,639 --> 00:02:44,760 Speaker 1: How you can use comparison because it's basically impossible to 53 00:02:44,840 --> 00:02:45,440 Speaker 1: not do it. 54 00:02:45,639 --> 00:02:46,800 Speaker 3: Yeah, but I thought. 55 00:02:46,600 --> 00:02:49,040 Speaker 1: That was very good to maybe think maybe to yourself. 56 00:02:49,080 --> 00:02:52,400 Speaker 1: Am I teaching myself or torturing myself with this comparison? 57 00:02:52,480 --> 00:02:54,640 Speaker 1: And I was like, I like it. I'm gonna use 58 00:02:54,680 --> 00:02:55,119 Speaker 1: dead Yeah. 59 00:02:55,200 --> 00:02:58,440 Speaker 3: We love a slogan. I was like, thanks, mail kil 60 00:02:58,600 --> 00:02:59,359 Speaker 3: what's your life lesson? 61 00:02:59,480 --> 00:02:59,960 Speaker 2: What is my life? 62 00:03:00,600 --> 00:03:01,000 Speaker 3: Okay? 63 00:03:01,240 --> 00:03:04,520 Speaker 1: My life lesson of the week is surprise surprise. I 64 00:03:04,520 --> 00:03:07,160 Speaker 1: bid off more than I could chwo workwise. Oh guys, 65 00:03:07,240 --> 00:03:12,640 Speaker 1: I thought your word of the year was less Yeah. 66 00:03:13,200 --> 00:03:16,480 Speaker 1: Someone actually said that to me in a message, So yes. 67 00:03:16,880 --> 00:03:20,720 Speaker 1: So I this year started a second podcast called The 68 00:03:20,720 --> 00:03:25,480 Speaker 1: Basic Bitch book Club, which I just do from bed, research, record, 69 00:03:25,760 --> 00:03:27,000 Speaker 1: edit and post from bed. 70 00:03:27,040 --> 00:03:29,079 Speaker 2: It's great. I love it, but. 71 00:03:29,240 --> 00:03:31,639 Speaker 1: I was like, what if we did a second episode 72 00:03:31,639 --> 00:03:33,520 Speaker 1: a week where we all read the same book and 73 00:03:33,560 --> 00:03:36,640 Speaker 1: we do catch ups every week and book club essentially 74 00:03:36,720 --> 00:03:40,760 Speaker 1: it's a new concepts out. It's absolutely not that it's 75 00:03:40,920 --> 00:03:45,600 Speaker 1: completely original, please And anyway, I was doing it and 76 00:03:45,680 --> 00:03:48,560 Speaker 1: I was like, fuck, what have I done? I was like, 77 00:03:48,600 --> 00:03:52,160 Speaker 1: I did not have enough time to do two episodes 78 00:03:52,200 --> 00:03:54,120 Speaker 1: of this per week on top of the two we 79 00:03:54,160 --> 00:03:57,160 Speaker 1: already do, as well as like every seventeen other billion 80 00:03:57,160 --> 00:03:59,440 Speaker 1: things we do. Love doing them, by the way, not complaining, 81 00:04:00,080 --> 00:04:01,560 Speaker 1: and I like put up a story and I was like, 82 00:04:01,680 --> 00:04:05,760 Speaker 1: I feel I have done the same thing that I 83 00:04:05,840 --> 00:04:07,720 Speaker 1: always do and bitten off more than I can chew. 84 00:04:08,560 --> 00:04:10,920 Speaker 1: So the episode is not coming out today, but like 85 00:04:10,920 --> 00:04:13,480 Speaker 1: I'll do my best to like get it tomorrow. And 86 00:04:13,840 --> 00:04:18,880 Speaker 1: I just got an influx of messages from people saying, girl, 87 00:04:19,040 --> 00:04:21,960 Speaker 1: just do it monthly, like stop. They're like, we don't 88 00:04:22,000 --> 00:04:24,320 Speaker 1: want you to burn out, Like we'll just do it monthly. 89 00:04:24,320 --> 00:04:26,200 Speaker 1: Why don't we do this? And everyone was like giving 90 00:04:26,200 --> 00:04:29,360 Speaker 1: suggestions and someone even wrote in and was like, please 91 00:04:29,400 --> 00:04:31,719 Speaker 1: don't forget your word of the year was less and fun, 92 00:04:32,040 --> 00:04:35,600 Speaker 1: not less fun, like less and fun. Yeah, and they 93 00:04:35,800 --> 00:04:40,920 Speaker 1: like it was just so fucking nice that my life 94 00:04:41,000 --> 00:04:43,040 Speaker 1: lesson of the way, And absolutely I was like, I 95 00:04:43,080 --> 00:04:44,960 Speaker 1: have bitten off more than I can chew, and I 96 00:04:45,000 --> 00:04:46,640 Speaker 1: need to do less because I don't ever want this 97 00:04:46,680 --> 00:04:48,760 Speaker 1: to feel like work. I want this to feel like fun. 98 00:04:48,960 --> 00:04:51,880 Speaker 1: And my life lesson of the week is when you're honest, 99 00:04:52,480 --> 00:04:54,520 Speaker 1: I think people will be a lot more understanding than 100 00:04:54,560 --> 00:04:55,920 Speaker 1: what you think they will be. 101 00:04:55,839 --> 00:04:56,440 Speaker 2: Because I was like, I. 102 00:04:56,440 --> 00:04:57,800 Speaker 1: Don't want to let people down. I don't want to 103 00:04:57,800 --> 00:04:59,680 Speaker 1: disappoint people. I told people I'm gonna do this, and 104 00:04:59,720 --> 00:05:02,760 Speaker 1: now I'm not. And I'm like, at the end of 105 00:05:02,760 --> 00:05:04,400 Speaker 1: the day, no one's gonna be fucking upset that I'm 106 00:05:04,440 --> 00:05:07,080 Speaker 1: not talking about like four chapters of a book once 107 00:05:07,120 --> 00:05:10,240 Speaker 1: a week, you know. And it was just so nice. 108 00:05:10,400 --> 00:05:12,520 Speaker 3: I think you guys are really nice. Yeah, I love 109 00:05:12,600 --> 00:05:13,800 Speaker 3: that that. 110 00:05:13,920 --> 00:05:15,440 Speaker 2: It was just really really good. 111 00:05:15,520 --> 00:05:20,800 Speaker 1: So if you are feeling overwhelmed, I absolutely recommend maybe 112 00:05:20,880 --> 00:05:23,800 Speaker 1: sharing how that is. And I do think nine times 113 00:05:23,880 --> 00:05:26,000 Speaker 1: out of ten people will be a lot more understanding 114 00:05:26,000 --> 00:05:27,640 Speaker 1: than you think they will be. And even the one 115 00:05:27,680 --> 00:05:30,279 Speaker 1: percent that maybe isn't fuck them. 116 00:05:30,360 --> 00:05:34,040 Speaker 3: Yeah, honestly, began, people are so much more forgiving than 117 00:05:34,080 --> 00:05:36,719 Speaker 3: what you think. Yeah, we're always our own worst critics 118 00:05:36,720 --> 00:05:38,920 Speaker 3: and hold ourselves to a standard so much higher than 119 00:05:39,760 --> 00:05:40,840 Speaker 3: anybody else does. 120 00:05:40,920 --> 00:05:43,120 Speaker 1: And I'm stressing about a situation that didn't even happen. 121 00:05:44,800 --> 00:05:49,719 Speaker 3: The special Yeah, TM love it. Okay, my life lesson 122 00:05:49,760 --> 00:05:52,080 Speaker 3: of the week. I've decided to swap it out and 123 00:05:52,160 --> 00:05:55,240 Speaker 3: it's something I just learned, and it's a good reminder 124 00:05:55,520 --> 00:05:58,840 Speaker 3: to ask people if they want to hug before you 125 00:05:58,920 --> 00:06:03,920 Speaker 3: hug them. Because Victoria came in, I have my arms 126 00:06:03,960 --> 00:06:06,200 Speaker 3: out and she said, are you a hugger? Because she's 127 00:06:06,240 --> 00:06:09,360 Speaker 3: a hugger too, and I was like, oh my god, yes, ship, 128 00:06:09,560 --> 00:06:12,040 Speaker 3: I definitely should be asking people before I just like 129 00:06:12,160 --> 00:06:16,760 Speaker 3: get them in a nookie and never hugging and give 130 00:06:16,800 --> 00:06:19,640 Speaker 3: them a forehead kiss because not everybody is a physical 131 00:06:19,720 --> 00:06:23,640 Speaker 3: touch person true, like we are. And I'm like, how 132 00:06:23,640 --> 00:06:26,360 Speaker 3: many people have I made feel uncomfortable. 133 00:06:27,560 --> 00:06:30,680 Speaker 1: Anyone? I think, like it's to read the room situation. 134 00:06:30,880 --> 00:06:33,240 Speaker 2: I do think that's a great just being like, are 135 00:06:33,279 --> 00:06:36,520 Speaker 2: you a hugger? Yeah? And if not, a handshake or. 136 00:06:36,440 --> 00:06:37,520 Speaker 3: Something else will suffice. 137 00:06:37,720 --> 00:06:38,480 Speaker 1: Yeah. 138 00:06:38,600 --> 00:06:42,239 Speaker 2: I did not get my kiss on the head? Okay, Okay, 139 00:06:43,000 --> 00:06:43,400 Speaker 2: there's a. 140 00:06:43,360 --> 00:06:46,160 Speaker 1: One star review on Apple podcast like did not get 141 00:06:46,160 --> 00:06:47,200 Speaker 1: a kiss on the forehead? 142 00:06:47,279 --> 00:06:50,760 Speaker 2: One star promised, Yeah, exactly. 143 00:06:50,360 --> 00:06:52,800 Speaker 3: So false advertising. Shall we get into the episode, let's 144 00:06:52,800 --> 00:07:02,560 Speaker 3: do it. Let's kick things off with budgeting, so we know, 145 00:07:02,640 --> 00:07:05,839 Speaker 3: there are lots of different strategies, and a lot of 146 00:07:05,880 --> 00:07:09,120 Speaker 3: the time when we talk budgeting with experts, you know, 147 00:07:09,160 --> 00:07:12,480 Speaker 3: they're like, it really depends on your needs and this 148 00:07:12,520 --> 00:07:15,560 Speaker 3: and that, which I totally understand, but we want you 149 00:07:15,640 --> 00:07:19,640 Speaker 3: to walk us through one strategy for setting up a budget. 150 00:07:19,800 --> 00:07:21,960 Speaker 3: And we've got a bit of a scenario for you. 151 00:07:23,000 --> 00:07:26,080 Speaker 3: So let's say you earn seventy eight thousand dollars a year, 152 00:07:26,240 --> 00:07:29,680 Speaker 3: so you're working with a fifteen hundred dollars salary per week. 153 00:07:30,280 --> 00:07:32,440 Speaker 3: How are you setting up your budget. 154 00:07:34,480 --> 00:07:38,080 Speaker 4: My big thing with budgeting is I really like a 155 00:07:38,240 --> 00:07:42,560 Speaker 4: mind map method. So I really struggle to use Excel, 156 00:07:42,840 --> 00:07:44,600 Speaker 4: which is I don't know if that's embarrassing or not, 157 00:07:44,640 --> 00:07:48,040 Speaker 4: but I just hate it, and I really like a 158 00:07:48,160 --> 00:07:50,760 Speaker 4: visual and I like with a mind map. What I 159 00:07:50,840 --> 00:07:52,760 Speaker 4: like about it is that everything is on an even 160 00:07:52,880 --> 00:07:58,440 Speaker 4: playing field because it's spread out rather than a list downwards, right, 161 00:07:58,520 --> 00:08:01,280 Speaker 4: So it's not like you're making one thing more important 162 00:08:01,720 --> 00:08:04,240 Speaker 4: than the other when you kind of look at it 163 00:08:04,240 --> 00:08:06,880 Speaker 4: from a high level. Obviously, there are some things that 164 00:08:06,960 --> 00:08:10,080 Speaker 4: are regrettably more important than others. And so where I 165 00:08:10,080 --> 00:08:12,560 Speaker 4: would probably start with that is, you know, let's look 166 00:08:12,560 --> 00:08:15,520 Speaker 4: at what your regular expenses are, let's work out that amount, 167 00:08:16,320 --> 00:08:20,120 Speaker 4: and then let's work out what your irregular expenses are. 168 00:08:20,160 --> 00:08:21,360 Speaker 2: And this is such. 169 00:08:21,200 --> 00:08:25,040 Speaker 4: A like a fall down for so many people. You know, 170 00:08:25,040 --> 00:08:28,520 Speaker 4: we think about our regular stuff, how weekly, fortnightly, monthly things, 171 00:08:28,520 --> 00:08:31,040 Speaker 4: and we forget about those kind of big things that 172 00:08:31,120 --> 00:08:35,160 Speaker 4: happen yearly or maybe quarterly, you know, stuff like going 173 00:08:35,160 --> 00:08:39,280 Speaker 4: to the dentist and getting your car serviced and paying 174 00:08:39,280 --> 00:08:42,840 Speaker 4: your redgo you know, if you pay your pet insurance annually, 175 00:08:43,000 --> 00:08:46,040 Speaker 4: for example, all of those things. So setting up a 176 00:08:46,200 --> 00:08:50,600 Speaker 4: second account where you put an amount every week for those. 177 00:08:50,360 --> 00:08:53,000 Speaker 1: Things, those are the things that I find that are tricky. 178 00:08:53,160 --> 00:08:54,800 Speaker 1: So it's like because you're like, that's not every week, 179 00:08:54,840 --> 00:08:56,000 Speaker 1: that's not every month. 180 00:08:56,760 --> 00:08:58,720 Speaker 4: And so then you just like tuck it aside because 181 00:08:58,760 --> 00:09:00,640 Speaker 4: I don't. What I find is that if I have 182 00:09:00,679 --> 00:09:02,800 Speaker 4: too much cash, like too much of. 183 00:09:02,760 --> 00:09:03,840 Speaker 2: A high amount. 184 00:09:07,840 --> 00:09:13,160 Speaker 4: Much in my transaction account, like in my daily like 185 00:09:13,240 --> 00:09:18,360 Speaker 4: tappy tat account, I just cannot I cannot save it 186 00:09:18,440 --> 00:09:20,320 Speaker 4: for later. I'm not very good at it, so I 187 00:09:20,360 --> 00:09:22,760 Speaker 4: have to move it out of my own way. And 188 00:09:22,840 --> 00:09:26,240 Speaker 4: so having that account for your irregular expenses is just 189 00:09:26,760 --> 00:09:28,200 Speaker 4: I find for most. 190 00:09:28,080 --> 00:09:30,480 Speaker 2: People the best way to take care of that, because. 191 00:09:30,280 --> 00:09:33,040 Speaker 4: Then if you're like, yes, I'm making such great progress, 192 00:09:33,480 --> 00:09:35,360 Speaker 4: and then all of a sudden, this eight hundred dollars 193 00:09:35,400 --> 00:09:36,480 Speaker 4: bill comes out. 194 00:09:36,760 --> 00:09:39,160 Speaker 2: You know, maybe it's a tax bill. If you if 195 00:09:39,160 --> 00:09:40,199 Speaker 2: you get a tax bill, or. 196 00:09:40,440 --> 00:09:42,720 Speaker 4: You know, you're regio your regio' is like, oh you're 197 00:09:42,840 --> 00:09:43,400 Speaker 4: what do you have here? 198 00:09:43,480 --> 00:09:47,480 Speaker 2: Green slip, pink slip. There's two slip and they're all 199 00:09:48,240 --> 00:09:49,200 Speaker 2: exactly whatever. 200 00:09:51,080 --> 00:09:53,400 Speaker 1: Yeah, it's the CTP and all that ship. 201 00:09:53,520 --> 00:09:57,880 Speaker 2: Yeah, your car regio. Yeah, your car regio. And and then. 202 00:09:57,880 --> 00:10:02,920 Speaker 4: You basically why out that week's worth of normal money, 203 00:10:02,960 --> 00:10:05,480 Speaker 4: and then it throws you out of your pattern, and 204 00:10:05,520 --> 00:10:06,960 Speaker 4: then it all just gets a bit of a mess. 205 00:10:06,960 --> 00:10:09,200 Speaker 4: So that's always my number one. People like, what's your 206 00:10:09,280 --> 00:10:11,560 Speaker 4: number one budgeting tip? I'm like, budget for stuff that 207 00:10:11,720 --> 00:10:15,760 Speaker 4: is not regular, and then I do have a bit 208 00:10:15,800 --> 00:10:18,600 Speaker 4: of a controversial take on what should come next. So 209 00:10:18,760 --> 00:10:20,880 Speaker 4: a lot of people say, you know, after you kind 210 00:10:20,880 --> 00:10:23,200 Speaker 4: of take care of those things, start saving for your 211 00:10:23,200 --> 00:10:25,839 Speaker 4: emergency fund, start paying down your debt, like kind of 212 00:10:25,880 --> 00:10:28,880 Speaker 4: smash through the hard things. And I am a little 213 00:10:28,920 --> 00:10:31,679 Speaker 4: bit more whimsy, which you know, I know that we 214 00:10:31,760 --> 00:10:35,439 Speaker 4: love in our whimsy era, and I tend to recommend 215 00:10:35,480 --> 00:10:41,520 Speaker 4: to people wherever possible, have something of joy first. And 216 00:10:41,559 --> 00:10:43,800 Speaker 4: so after your regular and a regular it is taken 217 00:10:43,840 --> 00:10:47,800 Speaker 4: care of, implement your joy part at least one thing 218 00:10:48,040 --> 00:10:50,560 Speaker 4: your joy fund, Yeah, your joy fund, or whether that's 219 00:10:50,559 --> 00:10:53,080 Speaker 4: like your treats or if you've got a goal that 220 00:10:53,160 --> 00:10:56,160 Speaker 4: you're really wanting to say for that's like a travel 221 00:10:56,200 --> 00:11:00,640 Speaker 4: goal or you know, a non critical fun goal, build 222 00:11:00,679 --> 00:11:04,120 Speaker 4: that in next, because it's actually going to keep you 223 00:11:04,640 --> 00:11:09,120 Speaker 4: on track far more than trying to like white knuckle 224 00:11:09,160 --> 00:11:11,560 Speaker 4: your way through doing all of the things that you 225 00:11:11,559 --> 00:11:14,920 Speaker 4: think that you should do first. And then after that 226 00:11:15,640 --> 00:11:17,640 Speaker 4: start looking out, Okay, what are my debt if I 227 00:11:17,640 --> 00:11:20,000 Speaker 4: have debt, what are my debt repayments? And you know, 228 00:11:20,160 --> 00:11:22,000 Speaker 4: generally you want to make sure at least your minimums 229 00:11:22,000 --> 00:11:25,320 Speaker 4: are taken care of, and then if you can more 230 00:11:25,640 --> 00:11:29,319 Speaker 4: is excellent, and if you can't, that's okay, and then 231 00:11:30,200 --> 00:11:33,280 Speaker 4: what else then? And then also your emergency fund as 232 00:11:33,280 --> 00:11:36,000 Speaker 4: well or your you know, whether you call it an 233 00:11:36,040 --> 00:11:38,920 Speaker 4: emergency fund or not is up to you. But really 234 00:11:39,600 --> 00:11:42,160 Speaker 4: doing it in that sort of order and inserting that 235 00:11:42,200 --> 00:11:48,319 Speaker 4: little bit of dopamine almost before, but otherwise it's so otherwise, like, 236 00:11:48,360 --> 00:11:50,360 Speaker 4: why would you want to It's not dignidating. 237 00:11:50,840 --> 00:11:52,679 Speaker 2: I wouldn't want to sty restricting. 238 00:11:53,200 --> 00:11:56,520 Speaker 3: If you were looking at a fifteen hundred dollars summary 239 00:11:56,640 --> 00:12:00,400 Speaker 3: for per week, for example, how much ideally would you 240 00:12:00,480 --> 00:12:06,720 Speaker 3: be putting towards your fun fund and your emergency fund, 241 00:12:07,200 --> 00:12:11,720 Speaker 3: because obviously the amount that you're spending on your essentials 242 00:12:12,080 --> 00:12:14,400 Speaker 3: is going to impact that. But if we had to 243 00:12:14,400 --> 00:12:18,439 Speaker 3: give an example of what you would do personally, sure, 244 00:12:18,559 --> 00:12:20,719 Speaker 3: so if you had let's. 245 00:12:20,480 --> 00:12:26,960 Speaker 4: Say your regular expenses your rent or your mortgage or 246 00:12:27,000 --> 00:12:30,640 Speaker 4: your housing costs, and your utilities and your food and 247 00:12:30,720 --> 00:12:33,360 Speaker 4: you know, stuff like your phone bill, all of those things. 248 00:12:33,360 --> 00:12:36,160 Speaker 2: If that's roughly let's say eight. 249 00:12:36,040 --> 00:12:41,839 Speaker 4: Hundred for example, and then your irregular stuff is, Oh, realistically, 250 00:12:41,880 --> 00:12:42,960 Speaker 4: you're probably looking at a. 251 00:12:43,520 --> 00:12:47,200 Speaker 2: Good few thousand over the year. Right. Pains me to say, 252 00:12:47,200 --> 00:12:47,960 Speaker 2: but it's true. 253 00:12:48,120 --> 00:12:50,160 Speaker 4: And so if that was like around the sixty five 254 00:12:50,280 --> 00:12:57,520 Speaker 4: dollar mark, let's say, then for example, something with the 255 00:12:57,600 --> 00:12:59,920 Speaker 4: treats fund. What I would say is, if you are 256 00:13:00,160 --> 00:13:04,360 Speaker 4: already quite good with money, you can often get away 257 00:13:04,360 --> 00:13:06,480 Speaker 4: with a little bit less. But if you have traditionally 258 00:13:06,920 --> 00:13:10,240 Speaker 4: had a messy relationship with money, I always say, do 259 00:13:10,360 --> 00:13:14,240 Speaker 4: the maximum that you can that you can squeeze out 260 00:13:14,280 --> 00:13:17,800 Speaker 4: of it, because when you give yourself a really really 261 00:13:17,800 --> 00:13:21,480 Speaker 4: decent amount, you're much less likely to spend it all 262 00:13:21,640 --> 00:13:25,280 Speaker 4: and you build trust. It's like reverse psychology, and it 263 00:13:25,400 --> 00:13:30,360 Speaker 4: works every time, every time. And so for example, if 264 00:13:30,400 --> 00:13:35,240 Speaker 4: you had like your debts, let's say were I don't know, 265 00:13:35,320 --> 00:13:37,800 Speaker 4: roughly one hundred and seventy a week or something like that, 266 00:13:38,280 --> 00:13:42,040 Speaker 4: then I would say, if you want to, you max 267 00:13:42,120 --> 00:13:45,079 Speaker 4: out that that treat fund at like two hundred and 268 00:13:45,080 --> 00:13:48,960 Speaker 4: fifty two seventy five even, and it will seem crazy, 269 00:13:49,000 --> 00:13:50,640 Speaker 4: it will seem like a wild amount of money. 270 00:13:50,920 --> 00:13:51,600 Speaker 2: But when you. 271 00:13:51,480 --> 00:13:56,080 Speaker 4: Actually then can spend it guilt free instead of not 272 00:13:56,120 --> 00:13:58,480 Speaker 4: having any or giving yourself like, you know, fifty dollars 273 00:13:58,600 --> 00:14:00,480 Speaker 4: or something, and then you're always blowing your budget. 274 00:14:00,920 --> 00:14:02,520 Speaker 2: When you have that huge. 275 00:14:02,200 --> 00:14:07,120 Speaker 4: Amount guilt free, you basically within a few weeks you're 276 00:14:07,160 --> 00:14:09,200 Speaker 4: not using it all because you're like, oh, like they're 277 00:14:09,320 --> 00:14:12,960 Speaker 4: so I'm so abundant. I'm so abundant there. And then 278 00:14:13,000 --> 00:14:15,480 Speaker 4: you can naturally over time if you want to reduce it. 279 00:14:15,600 --> 00:14:18,400 Speaker 4: But if it's a choice between a lower amount and 280 00:14:18,440 --> 00:14:20,280 Speaker 4: a higher amount, start with a higher amount. 281 00:14:20,560 --> 00:14:23,200 Speaker 1: I love that would you say, that's the fast fail 282 00:14:23,320 --> 00:14:26,960 Speaker 1: method is restricting your budget too much, Like having a 283 00:14:27,000 --> 00:14:30,520 Speaker 1: budget that's too hard to stick to is the fastest 284 00:14:30,520 --> 00:14:31,120 Speaker 1: way to fail. 285 00:14:32,840 --> 00:14:36,800 Speaker 4: Definitely, that is right, And that is where people fall 286 00:14:36,840 --> 00:14:40,480 Speaker 4: down is they create this dream budget, right like basically 287 00:14:40,640 --> 00:14:46,320 Speaker 4: my fitness pal toxing toxic energy exactly exactly like stop 288 00:14:46,440 --> 00:14:48,760 Speaker 4: treating stop treating your budget like it's bloody in my 289 00:14:48,800 --> 00:14:51,280 Speaker 4: fitness power because it's just not ever going to serve you. 290 00:14:52,040 --> 00:14:55,360 Speaker 4: And then the fail fast method comes on top of that, right, 291 00:14:55,680 --> 00:14:59,280 Speaker 4: which is like you pick your strategy and you implement 292 00:14:59,360 --> 00:15:03,840 Speaker 4: it with the mindset of I'm testing this and it 293 00:15:03,920 --> 00:15:07,440 Speaker 4: may not work out, rather than I must stick with 294 00:15:07,520 --> 00:15:10,280 Speaker 4: this and I must make it work. It's like a 295 00:15:10,680 --> 00:15:13,360 Speaker 4: I'm going to like fast fail is something that they 296 00:15:13,480 --> 00:15:18,280 Speaker 4: use in in tech and behavioral behavioral psychology, and basically 297 00:15:18,960 --> 00:15:22,400 Speaker 4: you go into it any changes with the intention that 298 00:15:22,480 --> 00:15:24,840 Speaker 4: at some point it is going to fall down, and 299 00:15:24,880 --> 00:15:28,320 Speaker 4: so you're less You're you're less what's the word that 300 00:15:28,320 --> 00:15:29,960 Speaker 4: I want? You're less likely to It's. 301 00:15:29,840 --> 00:15:30,680 Speaker 1: Like you're manifesting. 302 00:15:31,080 --> 00:15:34,640 Speaker 4: Yeah, and so when it does fail, you're like, that's okay, 303 00:15:34,680 --> 00:15:36,680 Speaker 4: I was expecting this and I'm going to tweak and 304 00:15:36,720 --> 00:15:40,400 Speaker 4: try again, rather than being like it's this or nothing, 305 00:15:40,640 --> 00:15:43,680 Speaker 4: and if when, if, and when it fails, I'm the failure. 306 00:15:44,200 --> 00:15:47,680 Speaker 4: It's like, no, we're we're testing something. So it might 307 00:15:47,720 --> 00:15:51,040 Speaker 4: be starting with something really small, right, like increasing the 308 00:15:51,080 --> 00:15:55,440 Speaker 4: amount in the treat fund, or trying to pay down 309 00:15:55,760 --> 00:15:59,440 Speaker 4: one debt faster, or setting up one savings account for example, 310 00:15:59,440 --> 00:16:02,960 Speaker 4: for a particular purpose, and you just trial it rather 311 00:16:03,040 --> 00:16:07,240 Speaker 4: than you know, try and overhaul your life it, which 312 00:16:07,280 --> 00:16:08,800 Speaker 4: is a trap that we fall into. We're like, I'm 313 00:16:08,800 --> 00:16:12,400 Speaker 4: going to overhaul everything and get first of. 314 00:16:12,400 --> 00:16:15,840 Speaker 1: January, I'm going to drink seventeen liters of water, do 315 00:16:16,040 --> 00:16:19,520 Speaker 1: four hit classes per day, and pull my mum seventeen 316 00:16:19,560 --> 00:16:20,920 Speaker 1: times an hour and. 317 00:16:21,080 --> 00:16:24,080 Speaker 2: Sleep ten hours an hour. Yeah exactly. 318 00:16:24,120 --> 00:16:27,360 Speaker 4: And so then you do that one thing and you 319 00:16:27,480 --> 00:16:31,520 Speaker 4: just try it. But then you're removing the internalizing the failure. 320 00:16:31,680 --> 00:16:35,120 Speaker 4: If you will, it becomes an experiment external to you, 321 00:16:35,520 --> 00:16:37,800 Speaker 4: which means that you're much more likely if you fall 322 00:16:37,840 --> 00:16:39,640 Speaker 4: down or if you need to tweak it, that you 323 00:16:39,680 --> 00:16:42,560 Speaker 4: don't think of yourself as a problem. 324 00:16:43,080 --> 00:16:45,119 Speaker 1: That's so interesting, that's really. 325 00:16:44,840 --> 00:16:48,400 Speaker 3: Cool, And I think you can't build a budget without 326 00:16:48,480 --> 00:16:52,520 Speaker 3: tracking your expenses so what strategy do you use to 327 00:16:52,720 --> 00:16:55,480 Speaker 3: track your expenses and do you have any apps or 328 00:16:55,520 --> 00:16:56,960 Speaker 3: tools that you use to help with that? 329 00:16:57,440 --> 00:16:58,280 Speaker 2: Yeah, great question. 330 00:16:59,240 --> 00:17:02,400 Speaker 4: Spoiler alert. I love just being honest when I'm also 331 00:17:02,640 --> 00:17:05,080 Speaker 4: a messy money person. So I didn't track my expenses 332 00:17:05,160 --> 00:17:08,920 Speaker 4: for honestly until I was in my late twenties. I 333 00:17:09,240 --> 00:17:13,439 Speaker 4: just kind of roughed it and hoped for the best 334 00:17:13,520 --> 00:17:15,479 Speaker 4: and had enough accounts. 335 00:17:15,000 --> 00:17:16,960 Speaker 2: That it just sort of worked. 336 00:17:17,680 --> 00:17:20,159 Speaker 4: And then as I kind of came into my mid 337 00:17:20,240 --> 00:17:21,040 Speaker 4: to late twenties, I. 338 00:17:20,960 --> 00:17:23,160 Speaker 2: Was like, oh, I would really like to start. 339 00:17:22,960 --> 00:17:26,000 Speaker 4: Reflecting on some of my spending and just what it 340 00:17:26,040 --> 00:17:30,879 Speaker 4: tells me. Rather than keeping things tight within a category, 341 00:17:30,920 --> 00:17:32,800 Speaker 4: it's more just like, oh, like, what did my spending 342 00:17:32,840 --> 00:17:35,480 Speaker 4: look like when I look back over the from the 343 00:17:35,600 --> 00:17:36,160 Speaker 4: end of the month. 344 00:17:36,760 --> 00:17:38,440 Speaker 2: And I use this app. It's very basic. 345 00:17:38,960 --> 00:17:42,199 Speaker 4: It's called the Spending Tracker, and it's this in the 346 00:17:42,280 --> 00:17:45,520 Speaker 4: app store. It's this little brown wallet, like a like 347 00:17:45,560 --> 00:17:48,640 Speaker 4: a Grandpa wallet, is the best way I can describe it. 348 00:17:49,000 --> 00:17:52,200 Speaker 4: And it's super basic, very manual, and you can put 349 00:17:52,240 --> 00:17:55,040 Speaker 4: in all your income, all your expenses, and then you 350 00:17:55,119 --> 00:17:58,439 Speaker 4: categorize them and you can save categories of course, and 351 00:17:58,520 --> 00:18:01,119 Speaker 4: I use that because it forced me to enter it 352 00:18:01,200 --> 00:18:04,240 Speaker 4: manually because then I'm thinking about it as i'm doing. 353 00:18:04,040 --> 00:18:05,720 Speaker 1: It, so I don't have to link it to your 354 00:18:05,760 --> 00:18:06,400 Speaker 1: bank account. 355 00:18:06,480 --> 00:18:08,680 Speaker 4: No love that, Yes, because I'm a bit funny about 356 00:18:08,680 --> 00:18:11,399 Speaker 4: that sort of thing. Yeah, And it just forces me 357 00:18:11,440 --> 00:18:14,359 Speaker 4: to think, Okay, well, how would I categorize this? And 358 00:18:15,040 --> 00:18:18,480 Speaker 4: I have lots of categories because I split them up 359 00:18:18,920 --> 00:18:20,800 Speaker 4: just kind of see more patterns. So like food, I 360 00:18:20,840 --> 00:18:23,040 Speaker 4: split up in a few different ways, like was this 361 00:18:23,119 --> 00:18:26,160 Speaker 4: a normal shop or was this like a bougie shop 362 00:18:26,200 --> 00:18:30,119 Speaker 4: where I've tablets? 363 00:18:29,440 --> 00:18:32,400 Speaker 2: That's shop. If I need a dish washing. 364 00:18:32,160 --> 00:18:37,560 Speaker 1: Tablet and cheese ten dollars for a bag of grated cheese. 365 00:18:37,720 --> 00:18:45,840 Speaker 4: Even like plastic cheese slices, like call the police crime, crime, robbery, 366 00:18:45,200 --> 00:18:48,360 Speaker 4: And that's how I do it. And it's very it's 367 00:18:48,440 --> 00:18:51,240 Speaker 4: very manual. It doesn't take long. But it just means 368 00:18:51,240 --> 00:18:52,679 Speaker 4: that I can look back and then I look back 369 00:18:52,720 --> 00:18:54,480 Speaker 4: over the month as well, and I see if my 370 00:18:54,640 --> 00:18:57,760 Speaker 4: income was more than my expenses, and some months it 371 00:18:57,880 --> 00:19:01,400 Speaker 4: isn't right because of those irregular So when I had 372 00:19:01,400 --> 00:19:04,040 Speaker 4: a car, sold my car because Sydney life. But when 373 00:19:04,040 --> 00:19:07,320 Speaker 4: I had a car, my regio and you know, a 374 00:19:07,359 --> 00:19:09,200 Speaker 4: lot of my annual expenses would always kind of fall 375 00:19:09,240 --> 00:19:14,400 Speaker 4: around my birthday, and so yeah, like February, Like February 376 00:19:14,480 --> 00:19:16,640 Speaker 4: is always is a write off for me. I need 377 00:19:16,640 --> 00:19:19,320 Speaker 4: like a February fund. Actually, that's a takeaway for me. 378 00:19:19,440 --> 00:19:20,280 Speaker 3: Yeah, that's a good idea. 379 00:19:20,760 --> 00:19:21,320 Speaker 2: I love that. 380 00:19:22,080 --> 00:19:26,760 Speaker 1: Speaking of funds, how much should someone in their twenties 381 00:19:26,880 --> 00:19:29,760 Speaker 1: aim to have in their emergency fund? And what is 382 00:19:29,760 --> 00:19:31,560 Speaker 1: an emergency fund for those who don't. 383 00:19:31,359 --> 00:19:33,680 Speaker 2: Know, So an emergency fund. 384 00:19:33,760 --> 00:19:35,560 Speaker 4: There's a few different ways that people define it, but 385 00:19:35,640 --> 00:19:40,000 Speaker 4: in the traditional sense, an emergency fund is like money 386 00:19:40,000 --> 00:19:44,600 Speaker 4: that you have specifically set aside for unexpected crisis. 387 00:19:44,119 --> 00:19:46,560 Speaker 1: Basically something different they don't I do. 388 00:19:46,600 --> 00:19:48,240 Speaker 2: I call it the empowerment fund. 389 00:19:48,880 --> 00:19:51,760 Speaker 4: And the reason for that is I think that, again 390 00:19:51,880 --> 00:19:54,520 Speaker 4: similar to the treat fund, what I find is that 391 00:19:54,560 --> 00:19:58,840 Speaker 4: people are much more engaged in actually building up funds 392 00:19:58,920 --> 00:20:02,719 Speaker 4: for like a rainy day, if you will, when it's 393 00:20:03,240 --> 00:20:06,240 Speaker 4: it's more you can conceptualize it easier. So when we 394 00:20:06,240 --> 00:20:08,480 Speaker 4: think about an empowerment fund, not only is that for 395 00:20:08,680 --> 00:20:12,520 Speaker 4: emergencies like a root canal or when your cat eats 396 00:20:12,560 --> 00:20:14,040 Speaker 4: a bag of chicken bones and has to go to 397 00:20:14,080 --> 00:20:19,720 Speaker 4: the vet. For example, but it's also things like you 398 00:20:19,920 --> 00:20:21,920 Speaker 4: have had enough of your job and you want to 399 00:20:21,960 --> 00:20:25,480 Speaker 4: be like fucking see you later, or you want to 400 00:20:25,840 --> 00:20:30,560 Speaker 4: leave a relationship, or you want to move into state 401 00:20:30,680 --> 00:20:33,480 Speaker 4: because you've had you know, you've lost I don't know, 402 00:20:33,480 --> 00:20:35,240 Speaker 4: there's been some crisis, you've lost all of your friends, 403 00:20:35,240 --> 00:20:37,439 Speaker 4: you hate where you live, you know you're ready for 404 00:20:37,840 --> 00:20:40,240 Speaker 4: a dramatic romance. 405 00:20:40,920 --> 00:20:46,440 Speaker 2: Overturn wants to Eat Pray Love correct on the you should. 406 00:20:46,640 --> 00:20:48,200 Speaker 2: You could call it your eat Pray Love Fund. 407 00:20:48,280 --> 00:20:53,480 Speaker 4: That that would, And so it's basically it's finding a 408 00:20:53,520 --> 00:20:57,280 Speaker 4: way of rather than having it for emergencies when it's 409 00:20:57,280 --> 00:20:59,680 Speaker 4: so hard to think about what an emergency. 410 00:20:59,240 --> 00:21:00,760 Speaker 2: Might actually look like for us. 411 00:21:00,960 --> 00:21:03,159 Speaker 4: Yeah, whereas when you think about, okay, what's actually going 412 00:21:03,240 --> 00:21:07,760 Speaker 4: to empower me? That's also things like Okay, I forgot 413 00:21:07,760 --> 00:21:09,320 Speaker 4: that I was going to have a tax bill this year. 414 00:21:09,560 --> 00:21:12,600 Speaker 4: My girlfriend just messaged me about this last night. She's like, oh, 415 00:21:12,680 --> 00:21:14,119 Speaker 4: She's like, you'd be so proud of me. She's like, 416 00:21:14,160 --> 00:21:16,879 Speaker 4: I just used my empowerment fund because I forgot that 417 00:21:16,920 --> 00:21:18,520 Speaker 4: my tax bill, Like I had a tax bill and 418 00:21:18,560 --> 00:21:20,959 Speaker 4: it was due this week, and I was like, oh, 419 00:21:21,000 --> 00:21:22,399 Speaker 4: I'm so proud of you. She's like yeah, She's like, 420 00:21:22,400 --> 00:21:24,480 Speaker 4: the fund is obviously not empty. She's like, but I 421 00:21:24,560 --> 00:21:25,640 Speaker 4: had the money was a point. 422 00:21:25,720 --> 00:21:27,200 Speaker 1: Yeah. 423 00:21:27,480 --> 00:21:30,720 Speaker 4: And so when it comes to amounts, amounts is always 424 00:21:30,720 --> 00:21:32,840 Speaker 4: so hard as well, because if you think about like, 425 00:21:32,840 --> 00:21:34,320 Speaker 4: I don't know how much you guys were earning when 426 00:21:34,359 --> 00:21:35,800 Speaker 4: you were twenty, but when I was twenty, it was 427 00:21:35,880 --> 00:21:39,240 Speaker 4: like two bits of nothing, right, and versus someone who's 428 00:21:39,280 --> 00:21:42,760 Speaker 4: like twenty nine, you know, you're maybe in your kind 429 00:21:42,840 --> 00:21:46,359 Speaker 4: of first career job, like you've got more money, you're 430 00:21:46,560 --> 00:21:48,440 Speaker 4: living out of home, but you're in a sharehouse maybe 431 00:21:48,600 --> 00:21:52,640 Speaker 4: or maybe live by yourself. And so when I was 432 00:21:52,720 --> 00:21:54,800 Speaker 4: kind of having a think about I think about this 433 00:21:54,880 --> 00:21:57,399 Speaker 4: a lot because people ask that question so often, like 434 00:21:57,480 --> 00:21:59,520 Speaker 4: how much should I have? And it's like, well, how 435 00:21:59,560 --> 00:22:02,040 Speaker 4: much makes you safe? Like what's going to make you 436 00:22:02,040 --> 00:22:04,080 Speaker 4: feel safe? And you know, I think it's one in 437 00:22:04,240 --> 00:22:09,920 Speaker 4: four gen z have one thousand dollars or less. And 438 00:22:10,240 --> 00:22:13,919 Speaker 4: but for some people, like if you are really good 439 00:22:14,040 --> 00:22:16,440 Speaker 4: with life events changing and kind of flying by the 440 00:22:16,440 --> 00:22:18,720 Speaker 4: seat of your pants and you're very relaxed sort of person, 441 00:22:19,280 --> 00:22:22,119 Speaker 4: you can get away with a lot less because you 442 00:22:22,200 --> 00:22:23,720 Speaker 4: kind of know that you're going to pick yourself up 443 00:22:23,760 --> 00:22:26,520 Speaker 4: and dust yourself off and it'll work out. Whereas for 444 00:22:26,560 --> 00:22:30,320 Speaker 4: someone like me, I'm very very risk aware. I'm very 445 00:22:30,440 --> 00:22:33,520 Speaker 4: sort of always thinking worst case scenario, and so mine 446 00:22:33,600 --> 00:22:39,200 Speaker 4: is ridiculous because that's what makes me feel safe. And yeah, 447 00:22:39,320 --> 00:22:42,200 Speaker 4: I guess for most people, if you can hit four 448 00:22:42,200 --> 00:22:46,119 Speaker 4: figures as a starting point, just as your starting point. 449 00:22:45,920 --> 00:22:47,879 Speaker 2: To really you know, have that. 450 00:22:47,880 --> 00:22:50,840 Speaker 4: Ticked off the list, and then you can start thinking 451 00:22:50,840 --> 00:22:53,000 Speaker 4: about because once you have a little bit of money, you. 452 00:22:52,960 --> 00:22:56,639 Speaker 3: Get a bit addicted today saying the number goer. 453 00:22:56,840 --> 00:22:59,359 Speaker 4: And then you also like removes that like that fear 454 00:22:59,400 --> 00:23:02,240 Speaker 4: element of having nothing, like you've got something, and then 455 00:23:02,280 --> 00:23:04,360 Speaker 4: you can start thinking about, Okay, well, what amount would 456 00:23:04,359 --> 00:23:06,399 Speaker 4: actually make me feel really safe. 457 00:23:06,240 --> 00:23:09,080 Speaker 2: Because if you are, you know, some of some of 458 00:23:09,080 --> 00:23:10,840 Speaker 2: our galleyes in their twenties have one. 459 00:23:10,760 --> 00:23:13,720 Speaker 4: Or have kids already, right, so if you've got kids, 460 00:23:13,760 --> 00:23:15,240 Speaker 4: the amount that you need is going to. 461 00:23:15,160 --> 00:23:17,640 Speaker 2: Be so single exactly. 462 00:23:18,200 --> 00:23:21,800 Speaker 4: But yeah, if you can if you can do a thousand, amazing, 463 00:23:22,160 --> 00:23:23,560 Speaker 4: even if you have to do it bloody ten dollars 464 00:23:23,600 --> 00:23:26,439 Speaker 4: at a time. But if all you have is one 465 00:23:26,520 --> 00:23:30,800 Speaker 4: hundred bucks, bloody in underneath the kitchen cutlery draw or 466 00:23:31,160 --> 00:23:32,119 Speaker 4: you've got two fifty. 467 00:23:32,240 --> 00:23:34,320 Speaker 1: I love when you forget about that. Yeah, and then 468 00:23:34,760 --> 00:23:37,040 Speaker 1: like cleaning and you find fifty dollars from your grandma 469 00:23:37,119 --> 00:23:40,200 Speaker 1: for the sixteenth birth, then you're like sleep. But yeah, 470 00:23:40,200 --> 00:23:42,400 Speaker 1: I think that's a really great point of just even 471 00:23:42,440 --> 00:23:45,600 Speaker 1: starting the habit and even having something there you'll find 472 00:23:45,720 --> 00:23:48,920 Speaker 1: is a lot more helpful than having nothing, and even 473 00:23:48,960 --> 00:23:51,920 Speaker 1: just maybe taking that step towards that is like the mindset, 474 00:23:52,359 --> 00:23:54,840 Speaker 1: the mindset of moving. But in your book, Know You're Worth, 475 00:23:55,240 --> 00:23:58,800 Speaker 1: you share a list of normal money, and I would 476 00:23:58,800 --> 00:24:01,359 Speaker 1: love for you to share what normal money looks like 477 00:24:01,440 --> 00:24:02,600 Speaker 1: in your twenties and beyond. 478 00:24:02,960 --> 00:24:06,280 Speaker 4: Yes, So the concept of normal money actually comes from 479 00:24:06,320 --> 00:24:10,399 Speaker 4: the concept of normal eating, which is by this dietitian 480 00:24:11,040 --> 00:24:13,959 Speaker 4: in the States who I actually emailed and I was like, hey, like, 481 00:24:14,200 --> 00:24:17,160 Speaker 4: do you mind if I convert your normal eating into 482 00:24:17,200 --> 00:24:19,880 Speaker 4: a normal money. I think it's really you know, people 483 00:24:19,920 --> 00:24:22,800 Speaker 4: will relate as to how similar it is. And she 484 00:24:22,960 --> 00:24:25,000 Speaker 4: was like, oh, yeah, that sounds awesome, Like please send 485 00:24:25,000 --> 00:24:26,439 Speaker 4: it to me, And I sent it to her and 486 00:24:26,480 --> 00:24:28,360 Speaker 4: she made a couple of tweaks, like recommended a couple 487 00:24:28,400 --> 00:24:30,720 Speaker 4: of tweaks as well, which are so nice. And so 488 00:24:31,400 --> 00:24:35,120 Speaker 4: when we talk about normal money. What that really is 489 00:24:35,119 --> 00:24:39,000 Speaker 4: is like messy money, right, like it. It's not strict 490 00:24:39,040 --> 00:24:42,720 Speaker 4: and it's not tight. It's just like living. And so 491 00:24:42,800 --> 00:24:46,880 Speaker 4: I'll give some examples. So normal money is, for example, 492 00:24:47,000 --> 00:24:50,480 Speaker 4: spending on things that leave you feel feeling satisfied, right, 493 00:24:51,040 --> 00:24:53,800 Speaker 4: choosing to spend money on what you like, not what other. 494 00:24:53,680 --> 00:24:56,600 Speaker 2: People think you should spend it on. This is a 495 00:24:56,640 --> 00:24:57,320 Speaker 2: really good one. 496 00:24:57,840 --> 00:25:00,640 Speaker 4: Giving thought and money to your expense so that your 497 00:25:00,680 --> 00:25:03,760 Speaker 4: needs are taken care of, but not having every dollar 498 00:25:04,320 --> 00:25:07,960 Speaker 4: so tightly accounted for that you have no room to 499 00:25:07,960 --> 00:25:12,040 Speaker 4: breathe because something will happen, right, and then it is 500 00:25:12,080 --> 00:25:16,000 Speaker 4: all out of the window. What else, things like saving, 501 00:25:16,359 --> 00:25:18,600 Speaker 4: So maybe you're saving for big things, or maybe you're 502 00:25:18,640 --> 00:25:21,600 Speaker 4: buying lots of little things and not having to be 503 00:25:21,720 --> 00:25:25,520 Speaker 4: one or the other at all times. It's also things 504 00:25:25,560 --> 00:25:28,600 Speaker 4: like walking away from something and regretting it, or buying 505 00:25:28,640 --> 00:25:30,919 Speaker 4: something and regretting it, and that can go both ways, 506 00:25:31,119 --> 00:25:33,960 Speaker 4: or like donating a piece of clothing and regretting it. Honestly, 507 00:25:34,000 --> 00:25:36,040 Speaker 4: I think about that yellow top all the time. 508 00:25:36,440 --> 00:25:38,560 Speaker 2: I really do. I miss it. It was asymmetrical. 509 00:25:39,160 --> 00:25:41,040 Speaker 4: It has not been in fashion since, but I do 510 00:25:41,119 --> 00:25:46,920 Speaker 4: still miss it, and very much. Normal money is allowing 511 00:25:46,960 --> 00:25:49,240 Speaker 4: money to take up some of your time and energy, 512 00:25:49,560 --> 00:25:53,080 Speaker 4: but not letting it consume your life, and having money 513 00:25:53,119 --> 00:25:57,439 Speaker 4: be flexible and adapting to your goals and situation and needs. 514 00:25:58,640 --> 00:26:00,000 Speaker 2: Yeah, that's nice. 515 00:26:00,240 --> 00:26:03,080 Speaker 1: I think I really like that because it really shows 516 00:26:03,119 --> 00:26:07,680 Speaker 1: that every one's experience with money is so unique to 517 00:26:08,200 --> 00:26:10,719 Speaker 1: the way they grew up, the way they earned their 518 00:26:10,760 --> 00:26:15,920 Speaker 1: first paycheck, the way that they are in certain different circumstances. 519 00:26:16,240 --> 00:26:17,959 Speaker 1: That means the way that they're going to spend their 520 00:26:18,000 --> 00:26:19,600 Speaker 1: money is so unique. 521 00:26:19,640 --> 00:26:21,320 Speaker 2: And we often. 522 00:26:21,040 --> 00:26:24,280 Speaker 1: See these things, especially as women of you know, where 523 00:26:24,320 --> 00:26:26,520 Speaker 1: we're lacking in how we spend our money, and there's 524 00:26:26,560 --> 00:26:30,800 Speaker 1: not often examples of like, no, this is fine, Like yes, 525 00:26:31,200 --> 00:26:33,040 Speaker 1: buying address for your birthday is normal. 526 00:26:33,240 --> 00:26:34,919 Speaker 3: You can do that, and you're allowed to change your 527 00:26:34,920 --> 00:26:39,080 Speaker 3: own money, yes, yeah. And shopping and spending money can 528 00:26:39,119 --> 00:26:43,480 Speaker 3: be really emotional and it can be triggered by a 529 00:26:43,480 --> 00:26:47,479 Speaker 3: lot of things. What is your to buy and not 530 00:26:47,560 --> 00:26:48,919 Speaker 3: to buy? Matrix? 531 00:26:50,000 --> 00:26:53,480 Speaker 4: Oh I have in the book this it's so chaotic, 532 00:26:53,640 --> 00:26:57,760 Speaker 4: but it's a flow chart like a Dolly doctor. You 533 00:26:58,240 --> 00:27:05,320 Speaker 4: choose your own adventures and basically yourn. It comes down 534 00:27:05,359 --> 00:27:08,520 Speaker 4: to a framework. So for people who really struggle with indecision, 535 00:27:08,600 --> 00:27:09,920 Speaker 4: like purchasing indecision. 536 00:27:09,920 --> 00:27:10,560 Speaker 2: Should I buy this? 537 00:27:10,600 --> 00:27:12,200 Speaker 4: Should I not buy it? Like how do I feel 538 00:27:12,200 --> 00:27:14,600 Speaker 4: about it? Is it actually something that I want? And 539 00:27:14,600 --> 00:27:16,879 Speaker 4: then they either you know, don't buy it and regret it, 540 00:27:17,600 --> 00:27:20,160 Speaker 4: or they do buy it and regret it. And and 541 00:27:20,240 --> 00:27:22,760 Speaker 4: so the framework, and there's two frameworks because I did 542 00:27:22,800 --> 00:27:25,679 Speaker 4: one for experiences as well, because it's all well and 543 00:27:25,720 --> 00:27:27,600 Speaker 4: good to have a framework for buying things. 544 00:27:27,960 --> 00:27:29,880 Speaker 2: But like if Sabrina Carpenter tickets go on. 545 00:27:29,840 --> 00:27:32,840 Speaker 4: Sale, like you can't afford to wait two weeks to 546 00:27:32,880 --> 00:27:34,159 Speaker 4: think about it if you want to go or not. 547 00:27:34,240 --> 00:27:35,080 Speaker 2: You have to decide. 548 00:27:35,600 --> 00:27:39,520 Speaker 1: Sometimes get fucking Tike Tech waiting room feels like two weeks. Yeah, 549 00:27:39,720 --> 00:27:42,280 Speaker 1: that's so true, true true, know the anxiety that I 550 00:27:42,359 --> 00:27:42,760 Speaker 1: might give it to. 551 00:27:44,040 --> 00:27:46,199 Speaker 2: And so the framework is the first question is do 552 00:27:46,280 --> 00:27:47,480 Speaker 2: I Do I need it? 553 00:27:47,800 --> 00:27:50,280 Speaker 4: And even though that is the first question, what I'll 554 00:27:50,280 --> 00:27:53,240 Speaker 4: say is that there's no outcome on the flow chart 555 00:27:53,320 --> 00:27:54,480 Speaker 4: that says don't buy it. 556 00:27:54,880 --> 00:27:58,399 Speaker 2: The only outcome is reconsider. And that happens when. 557 00:27:58,280 --> 00:28:00,520 Speaker 1: The answer that question is nom. 558 00:28:01,119 --> 00:28:03,000 Speaker 2: So you go to the no section like do I 559 00:28:03,040 --> 00:28:03,320 Speaker 2: need it? 560 00:28:03,400 --> 00:28:03,440 Speaker 3: No? 561 00:28:03,720 --> 00:28:06,160 Speaker 4: And it's like can I so then generally the next 562 00:28:06,160 --> 00:28:08,399 Speaker 4: step is to wait two weeks to make sure that 563 00:28:08,440 --> 00:28:09,080 Speaker 4: you really want it. 564 00:28:09,359 --> 00:28:10,960 Speaker 2: For some people that might be wait overnight. 565 00:28:11,080 --> 00:28:13,320 Speaker 4: If you're like I really need to decide, it's giving 566 00:28:13,320 --> 00:28:16,360 Speaker 4: yourself that break. At the moment, I'm doing something where 567 00:28:16,400 --> 00:28:19,679 Speaker 4: I only allow myself to process online orders once a month. 568 00:28:20,080 --> 00:28:21,760 Speaker 2: So I add to cart all month. 569 00:28:22,160 --> 00:28:23,399 Speaker 4: Yeah, and then I get to the end of the 570 00:28:23,400 --> 00:28:26,200 Speaker 4: month and I prune it back and then I'm like, okay, 571 00:28:26,320 --> 00:28:27,520 Speaker 4: like what are we actually buying. 572 00:28:27,600 --> 00:28:30,399 Speaker 1: I saw someone saying this. They have like a monthly 573 00:28:30,440 --> 00:28:34,640 Speaker 1: wish list very similar to what you're saying, and whenever 574 00:28:34,680 --> 00:28:36,680 Speaker 1: she likes something, she puts it on her wish list 575 00:28:36,880 --> 00:28:38,400 Speaker 1: love and then by the end of the month half 576 00:28:38,400 --> 00:28:40,000 Speaker 1: the time she forgets about it or doesn't want it. 577 00:28:40,000 --> 00:28:42,520 Speaker 4: Anything over it now, yes, Like did I really want 578 00:28:42,520 --> 00:28:43,600 Speaker 4: that bluetooth tooth brush? 579 00:28:43,680 --> 00:28:49,840 Speaker 2: Like probably not while you were like brushing your teeth. 580 00:28:50,400 --> 00:28:52,600 Speaker 4: And after that, you know, it's like you wait two 581 00:28:52,640 --> 00:28:54,400 Speaker 4: weeks and then it's like, okay, does it align with 582 00:28:54,440 --> 00:28:56,800 Speaker 4: my values? Like is this something that I want for me? 583 00:28:57,360 --> 00:29:00,479 Speaker 4: And you can actually make the framework into whatever you 584 00:29:00,480 --> 00:29:02,680 Speaker 4: want it to be, whatever you know as your kind 585 00:29:02,720 --> 00:29:05,480 Speaker 4: of sticking points for when you're trying to make decisions. 586 00:29:05,960 --> 00:29:07,880 Speaker 4: And then you can have that like on a card 587 00:29:08,040 --> 00:29:09,760 Speaker 4: in your wallet if you want to, if you're a 588 00:29:09,800 --> 00:29:13,000 Speaker 4: real like browser and buyer, or you can have it 589 00:29:13,040 --> 00:29:16,280 Speaker 4: on your phone or just in your mind. And it's like, Okay, 590 00:29:16,320 --> 00:29:18,760 Speaker 4: how can I really quickly work my way through this 591 00:29:19,200 --> 00:29:22,480 Speaker 4: and just decide if this is a yay for me 592 00:29:22,800 --> 00:29:26,200 Speaker 4: or a weight weight slash reconsider for me? 593 00:29:26,360 --> 00:29:27,400 Speaker 2: And the answer is never no. 594 00:29:27,520 --> 00:29:29,800 Speaker 4: It's always just like, okay, reconsider and if you still 595 00:29:29,800 --> 00:29:32,000 Speaker 4: want to do it, and then you do realize that 596 00:29:32,040 --> 00:29:35,240 Speaker 4: it wasn't wasn't what you wanted, that's okay, Like that's 597 00:29:35,280 --> 00:29:36,240 Speaker 4: a that's a learning. 598 00:29:36,840 --> 00:29:40,360 Speaker 1: What are the three money goals everyone in their twenties 599 00:29:40,480 --> 00:29:41,000 Speaker 1: should have? 600 00:29:41,560 --> 00:29:45,400 Speaker 4: I would say it's like a triple S scenario, right, 601 00:29:45,720 --> 00:29:51,440 Speaker 4: So it's yourself, your superannuation, and shares and oh yeah, 602 00:29:51,480 --> 00:29:53,520 Speaker 4: and I'll kind of do all of them like like 603 00:29:53,600 --> 00:29:54,600 Speaker 4: quick fire around. 604 00:29:54,680 --> 00:29:57,920 Speaker 2: Right. So in your twenties, if you can take the. 605 00:29:57,920 --> 00:30:00,920 Speaker 4: Time to actually get to know yourself, right and you 606 00:30:00,920 --> 00:30:02,920 Speaker 4: guys talk about this in your book as well, if 607 00:30:02,960 --> 00:30:05,320 Speaker 4: you get to know yourself and what you value and 608 00:30:05,320 --> 00:30:08,560 Speaker 4: what you actually value spending money on that is going 609 00:30:08,600 --> 00:30:11,400 Speaker 4: to save you money for the rest of your life. 610 00:30:11,760 --> 00:30:14,000 Speaker 4: And it's so hard in our twenties because we're so 611 00:30:14,080 --> 00:30:17,560 Speaker 4: busy living to the max. But if you can, and 612 00:30:17,680 --> 00:30:20,000 Speaker 4: good news is it's free. It doesn't actually cost you 613 00:30:20,040 --> 00:30:23,040 Speaker 4: anything to do it, and that is something that will 614 00:30:23,040 --> 00:30:27,080 Speaker 4: pay dividends. Especially also knowing your own style. If you 615 00:30:27,120 --> 00:30:29,240 Speaker 4: can fall in love with your own style in your twenties, 616 00:30:29,280 --> 00:30:31,600 Speaker 4: it's so hard to do, but even in your late twenties, 617 00:30:32,160 --> 00:30:35,080 Speaker 4: it will save you so much money, so much money. 618 00:30:35,280 --> 00:30:38,680 Speaker 4: Super super always sounds so boring, And what I will say, 619 00:30:38,680 --> 00:30:41,360 Speaker 4: if anyone is listening to this, I promise you the 620 00:30:41,440 --> 00:30:44,760 Speaker 4: chapter on superannuation in my book is the most chaotic 621 00:30:44,840 --> 00:30:47,680 Speaker 4: thing you ever read in your life, Like it is 622 00:30:47,880 --> 00:30:50,520 Speaker 4: crazy girl behavior in there. So if you're like, oh, 623 00:30:50,560 --> 00:30:53,800 Speaker 4: it's so boring, like it's going to be hard, trust me, 624 00:30:54,200 --> 00:30:56,160 Speaker 4: it's this is it. 625 00:30:56,000 --> 00:30:58,160 Speaker 2: Like you'll never read anything like it. 626 00:30:58,600 --> 00:31:01,760 Speaker 4: And I sent it to my financial and she was like, ah, 627 00:31:02,480 --> 00:31:02,880 Speaker 4: she's like. 628 00:31:02,840 --> 00:31:05,200 Speaker 2: It's amazing, and I was like, okay, let's hope. So 629 00:31:05,760 --> 00:31:06,920 Speaker 2: and so if you can. 630 00:31:07,000 --> 00:31:10,200 Speaker 4: The thing about super is because it's done for us, 631 00:31:10,640 --> 00:31:13,240 Speaker 4: it's so hard to conceptualize how important it is so 632 00:31:13,280 --> 00:31:15,000 Speaker 4: we're like, oh, we'll worry about that when we get closer. 633 00:31:15,440 --> 00:31:18,120 Speaker 4: But really, if you can you don't even have to 634 00:31:18,120 --> 00:31:20,320 Speaker 4: really do anything. You just have to learn and understand 635 00:31:20,400 --> 00:31:22,600 Speaker 4: what it's going to do in your twenties, because that 636 00:31:22,840 --> 00:31:26,800 Speaker 4: time is if you get it even close to right, 637 00:31:26,880 --> 00:31:29,560 Speaker 4: even halfway right in your twenties and you know, you 638 00:31:29,640 --> 00:31:31,800 Speaker 4: check that it's going in and you know what's happening 639 00:31:31,840 --> 00:31:35,200 Speaker 4: in there, that is will set you up for life, 640 00:31:35,960 --> 00:31:38,640 Speaker 4: your working life, because you will earn and then you'll 641 00:31:38,680 --> 00:31:40,959 Speaker 4: know and you won't be trying to make up for 642 00:31:41,000 --> 00:31:42,720 Speaker 4: it in your fifties, like you've got all of this 643 00:31:42,800 --> 00:31:46,360 Speaker 4: time for the compounding to take effect. And I really, 644 00:31:46,480 --> 00:31:48,720 Speaker 4: I know, I know it sounds so dry and it 645 00:31:48,800 --> 00:31:52,920 Speaker 4: seems like such a later u problem, but it will you. 646 00:31:52,920 --> 00:31:54,960 Speaker 4: Your thirty year old self, forty year old self, fifty 647 00:31:55,040 --> 00:31:57,800 Speaker 4: old self will thank you later. And then the last 648 00:31:57,840 --> 00:32:01,480 Speaker 4: one is shares, And I say this, I don't. It's 649 00:32:01,520 --> 00:32:03,240 Speaker 4: not something that I talk about in depth in the book. 650 00:32:03,240 --> 00:32:05,560 Speaker 4: I do give some recommended reading on it. But in 651 00:32:05,600 --> 00:32:09,200 Speaker 4: Australia we have this real thing around buying property and 652 00:32:09,280 --> 00:32:13,600 Speaker 4: property being the path to wealth, and there are other 653 00:32:13,680 --> 00:32:16,120 Speaker 4: ways to build wealth, and there are ways that you 654 00:32:16,160 --> 00:32:21,280 Speaker 4: can build wealth without such a huge, one single asset as. 655 00:32:21,160 --> 00:32:22,240 Speaker 2: Your source of wealth. 656 00:32:22,280 --> 00:32:24,400 Speaker 4: And it's really overwhelming in your twenties to be like, oh, 657 00:32:24,600 --> 00:32:25,880 Speaker 4: everyone's telling me I have to buy a house. 658 00:32:25,920 --> 00:32:27,400 Speaker 2: I better buy a house. Let me tell you. 659 00:32:27,480 --> 00:32:29,800 Speaker 4: I bought a house in my twenties. Hated it, fucking 660 00:32:29,880 --> 00:32:31,920 Speaker 4: hated it. One of my well, it's one of my 661 00:32:31,920 --> 00:32:34,080 Speaker 4: biggest regrets. I would never change it because obviously I 662 00:32:34,160 --> 00:32:36,880 Speaker 4: learned so much, but it was a huge regret for 663 00:32:36,960 --> 00:32:40,760 Speaker 4: me in my twenties. Yeah, and I really encourage, like, 664 00:32:40,800 --> 00:32:43,840 Speaker 4: if you're in your twenties or your early thirties, learn 665 00:32:43,920 --> 00:32:45,680 Speaker 4: about you don't have to do anything if you don't 666 00:32:45,680 --> 00:32:48,800 Speaker 4: want to, but just learn around, like what shares are 667 00:32:49,160 --> 00:32:52,160 Speaker 4: and how it works, and the industry makes it sound 668 00:32:52,240 --> 00:32:55,360 Speaker 4: so inaccessible and fancy and hard, and I promise you 669 00:32:55,480 --> 00:32:55,840 Speaker 4: it isn't. 670 00:32:55,880 --> 00:32:58,600 Speaker 1: Do you reckon that's on purpose, yes, for sure. 671 00:32:59,080 --> 00:33:02,880 Speaker 4: And just understanding like the different types of investments that 672 00:33:02,920 --> 00:33:05,680 Speaker 4: there are, and so when people are talking about it, 673 00:33:06,040 --> 00:33:08,520 Speaker 4: you kind of at least have some foundational knowledge and 674 00:33:08,560 --> 00:33:11,719 Speaker 4: you know that there are options for you to build 675 00:33:11,760 --> 00:33:15,160 Speaker 4: a life of happiness and wealth that actually fits with 676 00:33:15,200 --> 00:33:17,840 Speaker 4: your values. Yeah, those would be my three. 677 00:33:17,880 --> 00:33:19,080 Speaker 1: Those are amazing. 678 00:33:19,200 --> 00:33:21,240 Speaker 3: Yeah, that's a strong trilogy. 679 00:33:21,480 --> 00:33:23,800 Speaker 1: Oh good, if you will, thank you stronger than the 680 00:33:23,800 --> 00:33:24,560 Speaker 1: Lord of the Rings. 681 00:33:26,680 --> 00:33:29,640 Speaker 3: I mean, all the book does talk about the matrix, 682 00:33:29,720 --> 00:33:34,560 Speaker 3: so I feel like we can it's still relevant always. 683 00:33:35,080 --> 00:33:38,400 Speaker 3: But for our final question, what is your biggest life 684 00:33:38,480 --> 00:33:40,320 Speaker 3: lesson on your money journey so far? 685 00:33:40,800 --> 00:33:43,880 Speaker 4: Oh, my biggest life lesson on my money journey is 686 00:33:43,880 --> 00:33:46,960 Speaker 4: that my happiness really doesn't have to look like anybody else's. 687 00:33:47,560 --> 00:33:48,880 Speaker 2: And that comes to every. 688 00:33:48,800 --> 00:33:51,360 Speaker 4: Like A huge part of that is your finances and 689 00:33:51,400 --> 00:33:54,760 Speaker 4: how you finances your money, how you spend your money, 690 00:33:54,920 --> 00:33:58,080 Speaker 4: how you save it, what is important to you. So 691 00:33:58,160 --> 00:34:02,000 Speaker 4: for me, I lived by myself for the first time 692 00:34:02,280 --> 00:34:06,719 Speaker 4: last year thirty two, and that to me is money 693 00:34:06,760 --> 00:34:09,200 Speaker 4: that could not be better spent. And you know, you 694 00:34:09,200 --> 00:34:11,480 Speaker 4: pay a premium of course because you're living by yourself, 695 00:34:11,520 --> 00:34:13,080 Speaker 4: but the freedom that that. 696 00:34:13,120 --> 00:34:16,800 Speaker 2: Gives me and the peace is worth every dollar. 697 00:34:16,840 --> 00:34:21,080 Speaker 4: And so for me, really, if I look back understanding 698 00:34:21,120 --> 00:34:25,960 Speaker 4: that my happiness and therefore your happiness and all my galleys, 699 00:34:26,000 --> 00:34:28,920 Speaker 4: your happiness doesn't have to look like anybody else's. And 700 00:34:28,960 --> 00:34:31,000 Speaker 4: that's the most powerful thing that you can have for yourself. 701 00:34:31,280 --> 00:34:33,600 Speaker 1: That's a great note to finish on. I love that. 702 00:34:33,840 --> 00:34:34,719 Speaker 2: Yeah, that's so good. 703 00:34:34,760 --> 00:34:37,040 Speaker 3: Thank you so much for coming on and we really 704 00:34:37,080 --> 00:34:39,600 Speaker 3: appreciate it. Where can the chickies find you? 705 00:34:39,640 --> 00:34:41,640 Speaker 4: Oh, you can find me on Instagram that's probably best 706 00:34:41,719 --> 00:34:45,839 Speaker 4: at bad dot bitch dot money. And you can find 707 00:34:45,880 --> 00:34:47,960 Speaker 4: me on substack actually bad bitch Money. 708 00:34:48,040 --> 00:34:48,239 Speaker 1: Yeah. 709 00:34:48,239 --> 00:34:49,480 Speaker 2: I have a fortnightly newsletter. 710 00:34:49,480 --> 00:34:54,240 Speaker 1: It's always very castack fixation. 711 00:34:54,560 --> 00:34:56,160 Speaker 2: And that's the main channels. 712 00:34:56,560 --> 00:34:58,640 Speaker 4: You can email me Victoria at bad bach Money if 713 00:34:58,640 --> 00:34:59,919 Speaker 4: you really want, you will get a reply. 714 00:35:00,040 --> 00:35:00,960 Speaker 2: I can't say when, but. 715 00:35:00,920 --> 00:35:03,200 Speaker 1: You're gonna message you at midnight being like, should I 716 00:35:03,480 --> 00:35:04,480 Speaker 1: bye coptap? 717 00:35:05,400 --> 00:35:06,239 Speaker 3: Should I just give up? 718 00:35:06,680 --> 00:35:12,080 Speaker 2: The way I would reply as well? Yes you like 719 00:35:12,080 --> 00:35:16,239 Speaker 2: where are you? I'm I'm getting a dressed Oh my god. 720 00:35:16,320 --> 00:35:18,719 Speaker 3: And of course everyone can pick up your book Know 721 00:35:18,800 --> 00:35:20,759 Speaker 3: Your Worth. We'll put a link in the description so 722 00:35:20,800 --> 00:35:22,319 Speaker 3: everybody can add it to their reading list. 723 00:35:22,320 --> 00:35:23,320 Speaker 2: It's an absolute must. 724 00:35:24,120 --> 00:35:27,319 Speaker 3: But thank you so much for such a joy, And 725 00:35:27,360 --> 00:35:29,200 Speaker 3: thanks to you chicks for having us in your ear holes. 726 00:35:29,200 --> 00:35:30,319 Speaker 2: We love to be here. 727 00:35:30,400 --> 00:35:32,600 Speaker 3: And thanks to m I k Made for making today's 728 00:35:32,600 --> 00:35:33,280 Speaker 3: episode happened. 729 00:35:33,440 --> 00:35:34,680 Speaker 2: Love ya bye. 730 00:35:34,719 --> 00:35:41,359 Speaker 3: Chigis