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Speaker 1: Welcome back to Sugar Mamma's Fireplay, the podcast where we

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Speaker 1: ignite your financial independence. Together, we fuel your early retirement

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Speaker 1: goals and dreams, and I help you build long term

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Speaker 1: sustainable wealth and financial harmony. Today, I want to talk

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Speaker 1: about something that I believe sits at the core of

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Speaker 1: every financial success story, and that is motivation. I'm not

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Speaker 1: talking about a quick burst of inspiration and definitely not

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Speaker 1: a fleeting moment of energy. Instead, I'm talking about that deep,

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Speaker 1: sustainable motivation, that money motivation, the kind that gets you

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Speaker 1: through those really hard, even boring, and uncomfortable parts of

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Speaker 1: your financial journey, the nitty gritty, frustrating, confronting money management,

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Speaker 1: and the motivation that you build can actually carry you

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Speaker 1: into a future where you're actually unrecognizable from the person

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Speaker 1: that you are today before you began. So right now,

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Speaker 1: so many of us, including myself, are really starting to

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Speaker 1: run low on money motivation. You know, we're three quarters

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Speaker 1: of the way through the year, and it feels already

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Speaker 1: so long, and the goals that we set out to

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Speaker 1: achieve can seem so far away, and life is already

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Speaker 1: getting in the way. But the thing is, motivation isn't

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Speaker 1: something you either have or don't have. We need to

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Speaker 1: remember it's actually something that we create for ourselves, something

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Speaker 1: that we consistently nurture, and of course something that we

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Speaker 1: protect at all times. Now, this episode is actually inspired

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Speaker 1: by something I recently listened to and it is called

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Speaker 1: The Motivation Manifesto by Brendan Bouchard. And in listening to this,

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Speaker 1: I was so inspired and motivated myself and I found

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Speaker 1: it so incredibly insightful. So today's episode I wanted to help,

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Speaker 1: I guess, bring the key messages and the ideas and

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Speaker 1: what it this book really triggered and ignited for me,

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Speaker 1: and share this with you to help build this particular

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Speaker 1: episode being your very own money Motivation Manifesto and take

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Speaker 1: you through a step by step plan of things that

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Speaker 1: I learned and things that I actually do myself to

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Speaker 1: help you keep your own financial drive alive and burning

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Speaker 1: strong so that you can achieve your own financial freedom goals,

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Speaker 1: the financial freedom goals that I believe in you and

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Speaker 1: that I believe you really deserve. So let's get cracking.

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Speaker 1: Let's go to the heart of this, like what is

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Speaker 1: really motivation? Like? What is it all about? What is

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Speaker 1: motivation does look like? How do we know we've got it.

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Speaker 1: So motivation is actually not a personality trait. It's something

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Speaker 1: that we practice. It's not about waiting for the right

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Speaker 1: mood or hoping that you'll magically wake up one morning

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Speaker 1: and feel like doing those hard things. It's about deliberately

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Speaker 1: creating the energy and the focus to actually act to

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Speaker 1: do the work even when it is most inconvenient, most confronting,

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Speaker 1: and most uncomfortable and frustrating. In terms of money, motivation

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Speaker 1: drives you to go and finally do that budget instead

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Speaker 1: of just avoiding the numbers and continuing to bury your

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Speaker 1: head in the sand. It's what forces you to go

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Speaker 1: through your bank transactions and see why your budget didn't

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Speaker 1: work this month. It's the motivation that makes you go

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Speaker 1: and invest that five hundred dollars instead of going and

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Speaker 1: splurging it somewhere else. It's the motivation that makes you

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Speaker 1: go and check your seranuation fees and the investments and

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Speaker 1: look at how it's performing instead of just ignoring the statement,

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Speaker 1: pressing delete, or just throwing it in the bin. Is

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Speaker 1: the motivation that actually helps you start paying down debt

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Speaker 1: and see dollar by dollar your debt, your responsibilities, reducing

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Speaker 1: instead of continuing to just ignore it and watch that

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Speaker 1: debt plateau or even worse, skyrocket. Motivation is the bridge

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Speaker 1: between where we are right now today and where we

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Speaker 1: want to be financially in the future. If we don't

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Speaker 1: have this motivation, we are going to drift, and drifting

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Speaker 1: is so dangerous. This is where the years slip by

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Speaker 1: and all those opportunities to build wealth quietly pass us by,

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Speaker 1: and years later we're left scratching my head going what happened?

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Speaker 1: What did I miss? Why did I do anything? And

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Speaker 1: you know, this is why people always say to me, Canna,

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Speaker 1: why didn't I come and see you years and years ago?

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Speaker 1: So let's stop that right now, in this very moment together.

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Speaker 1: So the next thing I really want to explain, and

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Speaker 1: this was probably one of the most powerful insights from

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Speaker 1: this particular book, is understanding where fear and freedom sit

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Speaker 1: with motivation and how they work against each other. So

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Speaker 1: when it comes to motivation, there is often two driving forces,

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Speaker 1: the first being fear, the second being freedom. Now, fear

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Speaker 1: might look like, you know, the fear of running out

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Speaker 1: of money and retirement, or the fear of being stuck

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Speaker 1: in a job that you absolutely hate, or the fear

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Speaker 1: of having to rely on the government, or retiring in poverty,

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Speaker 1: or the fear of leaving your family in a financially

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Speaker 1: vulnerable position, or actually the most common one that I

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Speaker 1: would hear all the time is the fear of not repeating,

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Speaker 1: or the fear of repeating I should say a childhood instability.

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Speaker 1: You know, fear isn't bad necessarily because it can spark

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Speaker 1: that initial required action, But if you're using fear to

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Speaker 1: fuel your motivation, that's not sustainable. The real power comes

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Speaker 1: from when you learn how to shift that fear into freedom,

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Speaker 1: because freedom is then sustainable. You know, freedom is the

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Speaker 1: one that you know pulls you towards paying off your home.

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Speaker 1: Freedom is the one that pulls you towards finally making

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Speaker 1: that investment, and then making that next investment and next investment,

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Speaker 1: and start building that passive income. Freedom is where you

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Speaker 1: are driven towards choosing a career path that you love,

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Speaker 1: not because you need to go down that path. And

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Speaker 1: freedom is obviously building up passive income so that you

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Speaker 1: never have to stress about the bills. You know, fear

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Speaker 1: it can be great to give you that initial kickup

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Speaker 1: the ass to get you started, but the moment you're

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Speaker 1: on your way. You need to learn how to convert

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Speaker 1: that to flick the switch with fear and shift it

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Speaker 1: into freedom. So this is a really great practical tip

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Speaker 1: that I highly recommend and something I've done with a

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Speaker 1: lot of my clients in the past to try and

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Speaker 1: rewire and reframe their fears into a sense of freedom.

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Speaker 1: So what I recommend you do is you write down

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Speaker 1: your biggest fears. It doesn't matter what they are, it

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Speaker 1: doesn't matter how silly they are, just write them down

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Speaker 1: because we need to acknowledge them so that we can

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Speaker 1: then dissect them, break them down, question them, challenge them,

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Speaker 1: and then flick the switch and rework them so that

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Speaker 1: they actually create a sense of freedom to drive us

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Speaker 1: and build that motivation. So, for example, you might write

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Speaker 1: down the fear and I'm maybe even going to use

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Speaker 1: myself here, you know, the fear of losing my home,

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Speaker 1: or actually one of my biggest fears is my fear

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Speaker 1: of financial instability, you know, which is something that was

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Speaker 1: for me through my eyes, was triggered from childhood in

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Speaker 1: seeing you know, volatility in finances. That's a fear of mine. Now,

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Speaker 1: if I use that fear to use for my money motivation,

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Speaker 1: it's not going to last very long, and it's also

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Speaker 1: very toxic to my body and my mindset. But instead

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Speaker 1: I focused and rewired this, and rewritten this as changing

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Speaker 1: it to freedom, freedom of having consistent financial stability and

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Speaker 1: even financial harmony. And what that really looks like, which

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Speaker 1: for me is having savings, emergency savings, the right amount

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Speaker 1: of emergency savings, having other sources of income, having passive

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Speaker 1: income sources, growing passive income sources, making sure that debt

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Speaker 1: is always very manageable, and that it is going south

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Speaker 1: in the direction that I want. So when you do

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Speaker 1: this and you learn to rewrite these fears, you can

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Speaker 1: really see how it sits differently in your body. It

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Speaker 1: goes from feeling tense and aggressive, even even somewhat ill

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Speaker 1: and toxic, to feeling light, to feeling empowered, to feeling inspired,

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Speaker 1: to feeling a sense of clarity and purpose. So, for example,

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Speaker 1: your fear, as I said example before your fear of

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Speaker 1: maybe losing your home, you would flick this to freedom.

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Speaker 1: So your freedom goal is paying off your homecome completely.

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Speaker 1: Your fear of leaving your family in a financially vulnerable position, well,

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Speaker 1: you switch that to the freedom and desire to build

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Speaker 1: emergency money, the freedom and desire to be able to

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Speaker 1: manage your cash flow and to allocate your money into

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Speaker 1: your various accounts so that you've always got money there.

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Speaker 1: Your fear of not being able to retire, or retiring

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Speaker 1: in poverty, or retiring when you're completely reliant on the government,

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Speaker 1: flick that too, being able to retire financially independent, being

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Speaker 1: completely reliant on yourself, and feeling proud. See how the

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Speaker 1: difference sits in your body. As I said, freedom statements,

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Speaker 1: when you write them down, they feel expansive, they feel inspiring,

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Speaker 1: they feel energizing. That's where lasting motivation lives. And when

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Speaker 1: we can do this, we can tap into this at

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Speaker 1: any time because we've learned to ignite it, light it

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Speaker 1: up within us, and it now sits within us. So

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Speaker 1: whenever we're feeling fearful, we just flick back to the

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Speaker 1: freedom feeling within ourselves. Then, of course we need to

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Speaker 1: understand the importance of fuel when it comes to building

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Speaker 1: that sustainable motivation in our lives. Motivation is never a

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Speaker 1: one time spark. You've got to keep feeding your own motivation.

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Speaker 1: So what I recommend you do is you get crystal

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Speaker 1: clear with your goals I always say, and I think

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Speaker 1: this saying comes from Denise Stuffer Phil Thomas is money

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Speaker 1: loves definition and clarity. Don't have these flaky goals. I

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Speaker 1: want to be rich. Get really detailed, get juicy, get like,

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Speaker 1: get in there. I want fifty thousand dollars a year

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Speaker 1: and passive income from my share portfolio very age fifty five,

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Speaker 1: or I want seventy thousand dollars saved up in my

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Speaker 1: online home deposit savings account by the first of December

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Speaker 1: twenty twenty seven. Make sure it is really clear with

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Speaker 1: what you want. Then once you've got your big sexy goal,

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Speaker 1: break it down. We're backwards from that. And this is

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Speaker 1: what I do with my financial planning clients. I look

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Speaker 1: at where they want to land. Then I draw the

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Speaker 1: roadmap or the flight path from the ending endpoint, the

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Speaker 1: last destination, all the way back to where they stand today.

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Speaker 1: And we do this by lots of small goals. You know,

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Speaker 1: big goals naturally feel overwhelming, So what you do is

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Speaker 1: you slice them and dice them into really small achievable winds,

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Speaker 1: even like daily winds. And it's exactly the same principle

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Speaker 1: behind what I did with a thousand dollar project. You know,

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Speaker 1: one thousand dollars at a times what I focused on.

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Speaker 1: I didn't ever set out to build a three hundred

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Speaker 1: and fifty thousand dollars share portfolio. It just went, Okay,

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Speaker 1: what can I do right now? What feels achievable, what's manageable,

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Speaker 1: what can I believe in myself doing well? It's a

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Speaker 1: thousand dollars. So that's all I did, and I just

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Speaker 1: Rinston repeated, Rinston repeated, over and over again. Break those

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Speaker 1: goals down, work from where you want to land, work

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Speaker 1: all the way backwards to where you are today, and

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Speaker 1: don't worry about how much you can do. Just do

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Speaker 1: your best. Then, of course I want you you look

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Speaker 1: at really challenging complacency when you're working on your motivation,

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Speaker 1: ask yourself, is this really the very best that I

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Speaker 1: can do? Settling for fine? It might feel safe, it

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Speaker 1: might feel comfortable, it might even feel relaxing. But the

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Speaker 1: problem with this is when we're just settling for fine,

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Speaker 1: it can keep us from really discovering what is truly

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Speaker 1: possible us for us, It can hold us back. It

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Speaker 1: can really, I guess, put a bit of a block

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Speaker 1: into what we really could achieve. For ourselves. It's really limiting.

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Speaker 1: It's okay to be in this place for a little bit,

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Speaker 1: to be able to reflect, recharge, even recalibrate, but not

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Speaker 1: for very long. We need to get back in driving,

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Speaker 1: in moving, in growing, not just settling with complacency. So

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Speaker 1: go and channe that complacency, and when you ask yourself,

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Speaker 1: is it just really the best I can do? You

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Speaker 1: will know what that honest answer really looks like. And

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Speaker 1: if your answer is, actually, I could probably be doing

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Speaker 1: a little bit more, listen to it and then act

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Speaker 1: on it. This is not about punishing yourself, being mean

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Speaker 1: to yourself, or burning yourself up. It's about really tapping

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Speaker 1: into what truly exists within you already and honoring that

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Speaker 1: to give yourself the best life possible. And when you

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Speaker 1: do this, you actually discover it's like an onion. You

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Speaker 1: discover there's more about yourself that you can actually do

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Speaker 1: better at. And then you do better, and then you go, actually,

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Speaker 1: I can go further with this. It's like, obviously, like

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Speaker 1: a muscle, it gets stronger and stronger. That is what

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Speaker 1: happens when you face complacency and look at dead in

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Speaker 1: the eyes with honesty. Next is obviously to look at

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Speaker 1: celebrating all the progress. You know, every five hundred dollars

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Speaker 1: that you have saved, every thousand dollars you've got invested,

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Speaker 1: every one hundred dollars that you've salary sacrificed. You know,

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Speaker 1: every dollar that you've even put towards that buy now

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Speaker 1: pay letter debt or that credit card debt that's been

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Speaker 1: chasing you for far too long. Every little win matters,

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Speaker 1: It really does matter. And it's important that we go

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Speaker 1: and recognize this because that's what fuels our motivation and

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Speaker 1: it allows us to respect the power of consistency when

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Speaker 1: it comes to our financial journey and maintaining our money motivation.

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Speaker 1: And of course we've got to make sure we review

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Speaker 1: this on a regular basis. You know. I like to

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Speaker 1: check in on our budget and our cash flow and

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Speaker 1: our transactions at least twice a week. You know. It

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Speaker 1: means that we catch things, We stay focused, we stay

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Speaker 1: in control, and if something does blow out, I can

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Speaker 1: quickly and easily jump on it. So I recommend everyone

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Speaker 1: checks in with their motivation on a regular basis. Are

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Speaker 1: these goals still alignment to my values and my purpose

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Speaker 1: and my desires? Do I need to make some adjustments.

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Speaker 1: Do I need to make some tweaks and changes, and

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Speaker 1: of course how am I tracking? Don't be afraid to

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Speaker 1: make changes. That's perfectly fine, and that's actually a really

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Speaker 1: good sign because it means you're getting a deeper understanding

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Speaker 1: as to what's important to you and where you really

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Speaker 1: want to go. And when you make those tweaks and changes,

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Speaker 1: you're making it even better for yourself. You're making it

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Speaker 1: even more personal, more meaningful, even deeper financially in what

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Speaker 1: it's going to take for you, not just your bank balance,

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Speaker 1: but for your own personal growth and development. And then

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Speaker 1: of course you need to look at expectancy. This is

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Speaker 1: about faith, building your own faith. Faith is that quiet

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Speaker 1: force that keeps you going when the results feel invisible

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Speaker 1: and completely unachievable. You know, you invest five hundred dollars

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Speaker 1: per month in dividend paying shares. At first, you may

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Speaker 1: be starting with say five dollars and dividends and it

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Speaker 1: feels pointless, you knowing, what's the point, Like this is

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Speaker 1: nothing I'm not getting anywhere. But here's the secret. Staying consistent,

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Speaker 1: reinvesting every divid end, or you know, continuing on with

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Speaker 1: a savage sacrificing strategy, or a debt payment plan, or

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Speaker 1: building up your deposit money, just staying consistent, reinvesting those

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Speaker 1: in the interest adding to it when you can years

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Speaker 1: later that five dollars you invested, all those five dollars

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Speaker 1: in dead ends, or that thousand dollars you put into savings,

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Speaker 1: or that twenty thousand dollars savings account that then becomes

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Speaker 1: so much bigger. That's where you see the six figure

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Speaker 1: share portfolio. You see six figures in your savings account,

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Speaker 1: you see six or even seven figures in your superannuation

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Speaker 1: investment portfolio. The growth happens if you can trust in

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Speaker 1: the process and respect it and stick to it. You know,

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Speaker 1: motivation without expectancy it can be fragile, but expectancy is

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Speaker 1: what builds unshakable belief so that you keep going even

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Speaker 1: when times are tough, they're confronting, they're fearful, or you're

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Speaker 1: just simply exhausted and tired. You've got to have that

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Speaker 1: faith in yourself to keep going, to stay focused, and

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Speaker 1: to keep your eye on the price. And then the

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Speaker 1: great thing for motivation and money motivation is using visualization

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Speaker 1: as a really powerful tool. It's one of my favorite tools,

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Speaker 1: particularly when it comes to manifestation, and in fact, in

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Speaker 1: my money manifestation course that I run, I talk and

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Speaker 1: share some really powerful practices when it comes to doing

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Speaker 1: visualization and incorporating into your daily habit system. You know,

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Speaker 1: it's such an underused tool for building motivation and to

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Speaker 1: actually seeing not just your successes financially, but in so

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Speaker 1: many other areas of your life. So spend time imagining

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Speaker 1: yourself doing the beginning, the middle, and the end. Don't

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Speaker 1: just rush towards the end where you're signing the contract

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Speaker 1: for your new job, or getting the keys in your

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Speaker 1: hand for your new home, or you know, quitting job

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Speaker 1: because you're nar retired. You've got to go through the beginning,

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Speaker 1: getting started, the middle, even those tough times, and overcoming

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Speaker 1: and rising above those challenging times, all the way through

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Speaker 1: to the end. Watch yourself in the first person and

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Speaker 1: in the third person. Watch yourself transferring money from your

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Speaker 1: savings account to your credit card debt. Watch yourself buying

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Speaker 1: another parcel of shares, Watch yourself inspecting properties. Watch yourself

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Speaker 1: having a phone call with your solicitor organizing to exchange contracts.

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Speaker 1: Watch yourself or imagine yourself in a meeting with your

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Speaker 1: mortgage broker talking about all the different loan options. Watch

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Speaker 1: yourself checking your superannuation account and seeing how much income

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Speaker 1: that portfolio has earned you. Visualization is unbelievable. It is

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Speaker 1: not just about a dreaming. It's actually about building neural

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Speaker 1: pathways in your brain makes your own behavior so much

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Speaker 1: easier to do in real life. In fact, you don't

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Speaker 1: even try and do it or think about it, You

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Speaker 1: just organically do it. It's like a mental dress rehearsal

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Speaker 1: for success. You know, it is incredible when you do

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Speaker 1: this because you start to not just achieve your goals,

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Speaker 1: but you start to exceed them without actually trying too hard.

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Speaker 1: And those goals that you may have initially thought were

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Speaker 1: ridiculous and impossible, but you thought, hey, why not, I'll

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Speaker 1: have them anyway, they start to actually become possible. It's

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Speaker 1: a really eye awakening experience. So what I love to

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Speaker 1: do myself personally, and what I highly recommend, and I

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Speaker 1: talk about this in the Money Manifestation course, is, you know,

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Speaker 1: every night before you go to bed, or also in

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Speaker 1: the morning, which is even more powerful, is just spending

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Speaker 1: two minutes visualizing yourself doing the work working on your

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Speaker 1: money goals, you know, reviewing your budget saying you know what, actually,

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Speaker 1: I'm not going to go and buy that dress, even

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Speaker 1: though I'd love it, it looks great and I'd love

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Speaker 1: to wear it, I'd actually really like to put that

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Speaker 1: five hundred dollars or one hundred dollars, whatever it may be,

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Speaker 1: into my share portfolio. And what yourself feel really proud,

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Speaker 1: a sense of respect and self control. Notice how much

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Speaker 1: easier and more enjoyable the whole process of working on

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Speaker 1: your money comes when you incorporate visualization on a regular

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Speaker 1: daily basis into your life and how it fuels your

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Speaker 1: own money motivation to new levels where you won't even

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Speaker 1: recognize yourself. And then we need to talk about money

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Speaker 1: motivation and the power of now, the power of today.

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Speaker 1: One of the biggest killers of motivation is living in

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Speaker 1: the past, looking in the rear vision mirror. Particularly, I

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Speaker 1: like to say this when it comes to investing, regretting

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Speaker 1: those decisions, wishing you could should have started earlier, comparing

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Speaker 1: yourselves to others, which is the thief of joy. None

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Speaker 1: of this serves you in any positive way whatsoever. Sure, yes,

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Speaker 1: I agree, the past can definitely inform us. It gives

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Speaker 1: us wisdom. It gives us lessons, it gives us messages,

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Speaker 1: but is nothing that we can change. We can only

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Speaker 1: take what we've gained in a positive way and move forward.

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Speaker 1: The present moment is where all your power lies and

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Speaker 1: lives today. So what I recommend you do is ask yourself,

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Speaker 1: what can I do right now, in this very moment

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Speaker 1: to move forward with my life and my financial journey? Okay,

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Speaker 1: all right? I could go and check my bank accounts,

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Speaker 1: or I could go and check how much money I

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Speaker 1: own credit CUD debt. Or I could go and check

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Speaker 1: and see exactly what my mortgage is. Or I could

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Speaker 1: go and check and see what interest rate I'm being paid.

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Speaker 1: And perhaps I can go and call a mortgage broker

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Speaker 1: and see if they can get me a better deal.

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Speaker 1: Or perhaps I could do some food planning and try

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Speaker 1: and get my grocery bills down tonight for the week.

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Speaker 1: Or perhaps I could go and look at my superannuation

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Speaker 1: investments and maybe do another risk profile and see if

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Speaker 1: my risk profile has changed. Or perhaps I could look

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Speaker 1: at my buyer Now pay letter of payments and see

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Speaker 1: if I can maybe put a random ten dollars on

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Speaker 1: that debt to be that one step closer to being debt.

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Speaker 1: What can I do right now that is in positive

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Speaker 1: alignment for the success of my goals? See how that

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Speaker 1: takes you away and drops you back into the present moment,

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Speaker 1: away from the past, into the present. And also then

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Speaker 1: readjust your head and your eyes and your brain into

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Speaker 1: the future again. See how this makes you feel enthusiastic

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Speaker 1: again and makes you feel grateful, grateful for the opportunity

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Speaker 1: is to what lies ahead for you to learn, build growth,

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Speaker 1: even if it means undoing some of the things you

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Speaker 1: may have done in the past, getting the opportunity to

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Speaker 1: fix things, and to not just fix things, to actually

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Speaker 1: build something that's bigger and better, catch up for lost time,

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Speaker 1: or perhaps build something that's even more powerful. Use everything

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Speaker 1: as a blessing in disguise. You know, those really small,

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Speaker 1: present daily actions are really the building blocks for your

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Speaker 1: future motivation. So think about what you can do today

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Speaker 1: and think about where you are going. You Know, a

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Speaker 1: question I love to ask myself is when I catch

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Speaker 1: myself feeling negative or regretful, or embarrassed or even remorseful

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Speaker 1: or frustrated about something I did. A bad decision, a

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Speaker 1: silly investment, a stupid purchase that didn't work out all right,

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Speaker 1: thinking about this, how does it serve me? And quite

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Speaker 1: often the immediate answer that comes up within myself is

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Speaker 1: it doesn't. Other than going, okay, maybe I need to

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Speaker 1: stop shopping at that shop. Well, maybe I need to

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Speaker 1: spend less time online, or perhaps I just need to

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Speaker 1: do more research when it comes to investing, or bounce

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Speaker 1: this off my accountant before I go and make this

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Speaker 1: big decision. I can then take that going forward, so

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Speaker 1: I minimize those mistakes from ever repeating again. And because

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Speaker 1: I'm focusing on now and I'm looking at where I'm going,

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Speaker 1: eyes wide open into the future, which I'm excited for

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Speaker 1: and I'm incredibly grateful to be able to have. And then,

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Speaker 1: of course the importance of your own thoughts and self talk,

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Speaker 1: and one of my favorite quotes is by Napoleon Hill.

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Speaker 1: We become what we think about. You know, our thoughts

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Speaker 1: really do shape our wealth. You are constantly saying, I'm

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Speaker 1: bad with money, it's too hard, I'm never going to

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Speaker 1: get ahead. Your brain is going to constantly look for proof.

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Speaker 1: It's that confirmation bias. So how do we stop this? Well,

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Speaker 1: we need to stop this immediately. Instead, look to build

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Speaker 1: a positive money mindset. Look at what you are doing

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Speaker 1: in a positive way. You are listening to this podcast

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Speaker 1: right now. That is really positive thing that because you're learning,

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Speaker 1: you're open to learning, You're starting to do, starting to

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Speaker 1: do the practical things. You're changing your mindset, your attitude,

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Speaker 1: your energy. You know, you are learning how to master

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Speaker 1: your money. You are learning how to do a budget.

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Speaker 1: You are listening to how people do different budgets so

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Speaker 1: you can have a go at doing your own. You

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Speaker 1: are learning about the importance of investing and how to

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Speaker 1: actually practically invest, how to buy shares, how to look

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Speaker 1: after your superinnation, how to protect your wealth through personal insurance.

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Speaker 1: You are doing the positive things, whether you realize it

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Speaker 1: or not. I just want to help you make realize

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Speaker 1: help you realize it. You're actually doing great already. Just

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Speaker 1: take a moment to be thankful for yourself and every

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Speaker 1: single day, you know, if you're listening to this podcast

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Speaker 1: or listening to my other episodes, you're getting closer and

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Speaker 1: closer to financial independence. Yes it might be slow, Yes

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Speaker 1: it might be frustrating, but it's not always going to

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Speaker 1: be like this. There are going to be times where

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Speaker 1: you you know it's painfully slow as you pay down debt.

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Speaker 1: But then you start saving and you realize your savings

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Speaker 1: actually is a lot faster now because you don't have

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Speaker 1: debt holding you back. Or you make that first investment,

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Speaker 1: which is often the hardest investment, the first investment, that

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Speaker 1: first one thousand dollars. But then you're doing it again

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Speaker 1: and you have bursts and spurts. You have time to go, wow,

431
00:25:37,400 --> 00:25:39,600
Speaker 1: I just invested another five thousand dollars. That would happen

432
00:25:39,600 --> 00:25:41,720
Speaker 1: a lot faster than I ever expected I could do.

433
00:25:42,080 --> 00:25:43,600
Speaker 1: But then the next three thousand dolls might be a

434
00:25:43,640 --> 00:25:46,639
Speaker 1: little bit slow. That's just the journey of life, ebbs

435
00:25:46,680 --> 00:25:50,440
Speaker 1: and flows. It comes in waves, big strong, heavy waves,

436
00:25:50,840 --> 00:25:53,040
Speaker 1: and then it might be flat and just might be

437
00:25:53,119 --> 00:25:55,600
Speaker 1: coasting through life. We need to accept that. But we

438
00:25:55,720 --> 00:25:59,640
Speaker 1: always come from a place of positivity and kindness. That's

439
00:26:00,600 --> 00:26:02,520
Speaker 1: the way we talk about ourselves and the way that

440
00:26:02,560 --> 00:26:06,639
Speaker 1: we talk to ourselves internally is really important. You know,

441
00:26:06,840 --> 00:26:10,080
Speaker 1: you've got to learn again to flick that switch. Say

442
00:26:10,119 --> 00:26:13,120
Speaker 1: to yourself, every day, I'm getting closer to financial independence.

443
00:26:13,119 --> 00:26:15,480
Speaker 1: Every day, I'm getting closer to being debt free. Every day,

444
00:26:15,520 --> 00:26:18,919
Speaker 1: I'm building my passive income every day I'm getting closer

445
00:26:18,960 --> 00:26:22,800
Speaker 1: to having a comfortable retirement. You know, the hard work

446
00:26:22,840 --> 00:26:25,920
Speaker 1: that I'm doing is most definitely worth it. And I'm

447
00:26:25,960 --> 00:26:28,000
Speaker 1: going to be so proud of myself. Because I'm already

448
00:26:28,000 --> 00:26:30,920
Speaker 1: proud of myself, I'm going to inspire other people along

449
00:26:30,960 --> 00:26:33,800
Speaker 1: the way. This is not just about how you talk

450
00:26:33,840 --> 00:26:37,080
Speaker 1: about yourself, but also it's about how you talk about

451
00:26:37,080 --> 00:26:40,920
Speaker 1: yourself to others. When you're having conversations with others, whether

452
00:26:40,960 --> 00:26:43,160
Speaker 1: it or your loved ones, your neighbors, your friends, your

453
00:26:43,200 --> 00:26:47,120
Speaker 1: work colleagues. You know, self belief is contagious. You want

454
00:26:47,160 --> 00:26:49,560
Speaker 1: to make sure that your energy is worth catching. And

455
00:26:49,640 --> 00:26:52,119
Speaker 1: when you talked about your journey like, yeah, I'm doing

456
00:26:52,160 --> 00:26:54,359
Speaker 1: the hard work. Yeah, I may have stuffed up in

457
00:26:54,440 --> 00:26:57,359
Speaker 1: my youth, made some silly, regretful mistakes, but I'm learning,

458
00:26:57,359 --> 00:26:58,879
Speaker 1: I'm growing and this is what I'm doing and this

459
00:26:58,920 --> 00:27:00,639
Speaker 1: is why I'm so excited on this. These are my

460
00:27:00,680 --> 00:27:03,000
Speaker 1: goals and this is my dream. Do you know how

461
00:27:03,680 --> 00:27:07,560
Speaker 1: how I can't even speakle my words coming back? Do

462
00:27:07,640 --> 00:27:11,160
Speaker 1: you know how appealing and attractive it is hearing someone

463
00:27:11,200 --> 00:27:14,320
Speaker 1: talk about their goals and talk about their goals with passion,

464
00:27:14,440 --> 00:27:18,080
Speaker 1: even though they may sound ridiculous, but it is something

465
00:27:18,119 --> 00:27:21,840
Speaker 1: that is really inspiring. And energy is contagious, so you

466
00:27:21,880 --> 00:27:25,280
Speaker 1: want to ask yourself, is my energy worth catching? What's

467
00:27:25,320 --> 00:27:28,119
Speaker 1: my vibration like? And I've shared this a long long

468
00:27:28,160 --> 00:27:29,600
Speaker 1: time ago, but I want to share it again because

469
00:27:29,600 --> 00:27:32,639
Speaker 1: I think it's really helpful. But you know, when I

470
00:27:32,680 --> 00:27:34,600
Speaker 1: go to the gym, I always try and make sure

471
00:27:34,600 --> 00:27:37,080
Speaker 1: I go and exercise next to someone who is working

472
00:27:37,080 --> 00:27:39,600
Speaker 1: really hard, someone who is pedaling hard on the bike,

473
00:27:39,720 --> 00:27:42,280
Speaker 1: or running really fast on the treadmill or lifting heavy weights,

474
00:27:42,320 --> 00:27:45,959
Speaker 1: because just having their energy around me and seeing them

475
00:27:46,000 --> 00:27:49,399
Speaker 1: in the corner of my eye working really hard subconsciously

476
00:27:49,840 --> 00:27:53,919
Speaker 1: pushes me harder and faster, and it challenges me and

477
00:27:54,000 --> 00:27:57,320
Speaker 1: dares me and inspires me and empowers me. So be

478
00:27:57,680 --> 00:28:00,119
Speaker 1: aware of the impact you have on others and how

479
00:28:00,200 --> 00:28:02,720
Speaker 1: others have an impact on yourself. And if you're ever

480
00:28:02,800 --> 00:28:04,439
Speaker 1: interested in learning more about it, obviously I'll go and

481
00:28:04,480 --> 00:28:07,399
Speaker 1: link my Money, Mindset Manifestation program because I have so

482
00:28:07,520 --> 00:28:11,200
Speaker 1: many discussions and techniques around this. But anyway, let's keep going,

483
00:28:11,840 --> 00:28:14,560
Speaker 1: you know, And let's also I want to talk about

484
00:28:14,600 --> 00:28:20,280
Speaker 1: keeping it fresh. You know, Motivation thrives on novelty, spicing,

485
00:28:20,320 --> 00:28:22,879
Speaker 1: things up. You know, if your energy dips, which is

486
00:28:22,880 --> 00:28:24,560
Speaker 1: normal and natural that it happens to all of us,

487
00:28:25,119 --> 00:28:27,120
Speaker 1: this is your sign that you need to start shaking

488
00:28:27,160 --> 00:28:30,040
Speaker 1: things up. So do something you haven't done before. Perhaps

489
00:28:30,080 --> 00:28:32,840
Speaker 1: you do a no spend weekend challenge, you know, and

490
00:28:32,880 --> 00:28:34,520
Speaker 1: you make it fun with your family, you do it

491
00:28:34,560 --> 00:28:36,080
Speaker 1: with your friends, or you do it with your partner,

492
00:28:36,600 --> 00:28:39,720
Speaker 1: or you you know, explore a new investment option. Doesn't

493
00:28:39,760 --> 00:28:41,640
Speaker 1: mean you go and do it necessarily because I don't

494
00:28:41,680 --> 00:28:45,480
Speaker 1: to encourage high risk investments, but you explore getting to

495
00:28:45,560 --> 00:28:48,200
Speaker 1: understand something that you don't know about before, you know,

496
00:28:48,360 --> 00:28:51,480
Speaker 1: getting to understand it. Yes, you might end up investing it,

497
00:28:51,480 --> 00:28:53,600
Speaker 1: but yes you might end up understanding going wow, I'm

498
00:28:53,640 --> 00:28:55,560
Speaker 1: so glad I understand this, but actually it's not right

499
00:28:55,600 --> 00:28:57,240
Speaker 1: for me, or it's not right for me right now.

500
00:28:57,280 --> 00:28:58,960
Speaker 1: I can come back to that further down the track.

501
00:28:59,640 --> 00:29:01,320
Speaker 1: Or perhaps you know, you look at taking on like

502
00:29:01,640 --> 00:29:04,880
Speaker 1: a really different side hustle that you've never done before

503
00:29:04,880 --> 00:29:06,080
Speaker 1: that you want to like dip your toe in, like

504
00:29:06,080 --> 00:29:09,160
Speaker 1: a short term burst of a small business that where

505
00:29:09,200 --> 00:29:10,920
Speaker 1: you have all the things that you need, so it

506
00:29:10,920 --> 00:29:13,080
Speaker 1: doesn't necessarily cost you anything, but you can just have

507
00:29:13,160 --> 00:29:16,040
Speaker 1: a burst of a particular service or offering that you

508
00:29:16,080 --> 00:29:18,960
Speaker 1: want to do something different. Perhaps you like set like

509
00:29:19,200 --> 00:29:22,520
Speaker 1: a micro goal like saving five hundred dollars or even

510
00:29:22,560 --> 00:29:25,120
Speaker 1: fifty dollars for the week or for the month. You know,

511
00:29:25,600 --> 00:29:28,120
Speaker 1: keep it fresh, keep it challenging. You know, that is

512
00:29:28,160 --> 00:29:32,920
Speaker 1: what helps bring back excitement, and that excitement helps fuel

513
00:29:33,080 --> 00:29:37,360
Speaker 1: persistence and builds our own money manifestation and our own

514
00:29:37,520 --> 00:29:43,320
Speaker 1: money motivation. And then, of course, be your own role model.

515
00:29:43,760 --> 00:29:47,640
Speaker 1: Don't wait for the mentor to or the role model

516
00:29:47,680 --> 00:29:50,120
Speaker 1: to appear in your life. Become the person that your

517
00:29:50,120 --> 00:29:53,680
Speaker 1: future self would be so proud of, or, if you like,

518
00:29:54,120 --> 00:29:56,680
Speaker 1: build your own imaginary role model, which is something I

519
00:29:56,760 --> 00:30:00,800
Speaker 1: also share in my Money Mindset Manifestation program. You know,

520
00:30:01,040 --> 00:30:03,240
Speaker 1: I think about the people that I admire the most,

521
00:30:03,400 --> 00:30:05,240
Speaker 1: and you know, there are people that inspire me and

522
00:30:05,280 --> 00:30:08,320
Speaker 1: motivate me in relationships. There are people who inspire and

523
00:30:08,440 --> 00:30:11,959
Speaker 1: motivate me around fitness and health and nutrition. And then

524
00:30:12,000 --> 00:30:13,920
Speaker 1: I think about the people who inspire me and motivate

525
00:30:13,960 --> 00:30:17,520
Speaker 1: me through money and financial wellbeing and financial harmony. Some

526
00:30:17,600 --> 00:30:19,880
Speaker 1: of those people I've never even met. Some of those

527
00:30:19,880 --> 00:30:22,080
Speaker 1: people have only had fleeting conversations with and some of

528
00:30:22,080 --> 00:30:24,960
Speaker 1: those people I know intimately, but I've created my own

529
00:30:25,040 --> 00:30:28,400
Speaker 1: imaginary role models. I haven't waited for that person to say, Hey,

530
00:30:28,480 --> 00:30:29,800
Speaker 1: I'm going to be your mentor, I'm going to be

531
00:30:29,840 --> 00:30:33,160
Speaker 1: your role model. I've built it myself. I've built an

532
00:30:33,200 --> 00:30:35,960
Speaker 1: imaginary one, and I've built it within myself. You know,

533
00:30:36,040 --> 00:30:39,000
Speaker 1: a great question that I highly recommend asking yourselves yourself

534
00:30:39,120 --> 00:30:42,400
Speaker 1: is if my ten year old self was watching me

535
00:30:42,800 --> 00:30:45,440
Speaker 1: right now, would they be proud of the decisions that

536
00:30:45,480 --> 00:30:48,400
Speaker 1: I'm making today? Now? This is an uncomfortable one, it's

537
00:30:48,760 --> 00:30:51,680
Speaker 1: a confronting one, and the answers are going to vary

538
00:30:51,720 --> 00:30:54,920
Speaker 1: depending on what particular aspects you look at in your

539
00:30:54,960 --> 00:30:59,480
Speaker 1: financial life. But it's really insightful and it really does

540
00:30:59,600 --> 00:31:02,960
Speaker 1: force it to go deep, reflect and look at where

541
00:31:02,960 --> 00:31:05,200
Speaker 1: we need to improve ourselves if we're serious about our

542
00:31:05,200 --> 00:31:09,600
Speaker 1: future financial growth and development, where financial freedom and harmony

543
00:31:09,680 --> 00:31:11,840
Speaker 1: is something that we really want to achieve for ourselves

544
00:31:11,840 --> 00:31:14,360
Speaker 1: because we can really do it, you know. You know,

545
00:31:14,920 --> 00:31:17,080
Speaker 1: does this mean that you shop for your budget on

546
00:31:17,120 --> 00:31:20,880
Speaker 1: a regular basis? You know, put the action behind that

547
00:31:21,000 --> 00:31:24,040
Speaker 1: being that role model. You know, one of my financial

548
00:31:24,080 --> 00:31:26,880
Speaker 1: mentors and role model is Peter Thornhill. You know, he

549
00:31:26,960 --> 00:31:31,760
Speaker 1: has stuck to his investment plan. He has constantly invested

550
00:31:32,920 --> 00:31:37,760
Speaker 1: long term divid and paying industrial shares. I here is

551
00:31:37,840 --> 00:31:40,400
Speaker 1: my role model, and that is exactly what I have

552
00:31:40,560 --> 00:31:43,640
Speaker 1: mimicked for myself, and I have become my own role model.

553
00:31:44,160 --> 00:31:48,360
Speaker 1: You know, I have protected my financial future fiercely by

554
00:31:49,160 --> 00:31:51,440
Speaker 1: looking at role models for inspiration, but then building it

555
00:31:51,560 --> 00:31:54,800
Speaker 1: up within myself so that I look at myself and go,

556
00:31:54,880 --> 00:31:56,640
Speaker 1: you know what, I'm so proud of what I've built.

557
00:31:56,760 --> 00:31:59,000
Speaker 1: I'm so proud of where I'm going. Yes, I haven't

558
00:31:59,000 --> 00:32:02,840
Speaker 1: achieved my goals completely yet, but I'm on the right

559
00:32:02,880 --> 00:32:05,560
Speaker 1: path and I'm heading in the right direction. And there

560
00:32:05,560 --> 00:32:07,840
Speaker 1: will be times where I have bigger successes and I

561
00:32:07,920 --> 00:32:10,880
Speaker 1: leap frog. But there'll be times where I even backpedal.

562
00:32:11,320 --> 00:32:15,160
Speaker 1: That's okay, But I'm still staying motivated, and that's the

563
00:32:15,280 --> 00:32:17,200
Speaker 1: key here. I'm not quitting and not giving up, but

564
00:32:17,240 --> 00:32:20,920
Speaker 1: I'm throwing the tally in ever. You know, motivation really

565
00:32:20,960 --> 00:32:24,479
Speaker 1: does multiply and magnify when you realize that you're not

566
00:32:24,560 --> 00:32:28,320
Speaker 1: just doing this you know, for yourself, your modeling behavior

567
00:32:28,400 --> 00:32:30,600
Speaker 1: for everyone around you. You know, it's where that energy

568
00:32:30,640 --> 00:32:33,560
Speaker 1: comes in and whether it be for your children, your partner,

569
00:32:34,160 --> 00:32:37,080
Speaker 1: or your community, you know you've got to be that

570
00:32:37,280 --> 00:32:39,200
Speaker 1: change that you want to see in the world. Be

571
00:32:39,280 --> 00:32:42,080
Speaker 1: your own role model, which you've built from drawing out

572
00:32:42,160 --> 00:32:44,120
Speaker 1: the strengths of the people that you love and that

573
00:32:44,200 --> 00:32:47,880
Speaker 1: you find inspiring and empowering around you. So, as we

574
00:32:47,920 --> 00:32:50,080
Speaker 1: wrap up today's episode and apologies is a bit longer

575
00:32:50,120 --> 00:32:52,560
Speaker 1: than usual, But as you can tell, I'm really passionate

576
00:32:52,600 --> 00:32:55,760
Speaker 1: about having and finding and tuning in and maintaining your

577
00:32:55,800 --> 00:33:02,000
Speaker 1: own money motivation. So this is your own money motivation manifesto.

578
00:33:02,640 --> 00:33:04,800
Speaker 1: Is not just about these pep talks. Of course, save

579
00:33:04,880 --> 00:33:06,640
Speaker 1: this so you can come back to and listen to

580
00:33:06,680 --> 00:33:08,480
Speaker 1: it anytime you need that a pep talk from me,

581
00:33:08,560 --> 00:33:13,040
Speaker 1: But it's about building and fueling and protecting the drive

582
00:33:13,120 --> 00:33:15,320
Speaker 1: that exists within you that is going to carry you

583
00:33:15,400 --> 00:33:19,959
Speaker 1: all the way to achieve your financial freedom goals. I

584
00:33:20,000 --> 00:33:22,360
Speaker 1: want you to define those fears and I want you

585
00:33:22,400 --> 00:33:24,520
Speaker 1: to flick the switch of them and turn them into

586
00:33:24,720 --> 00:33:29,000
Speaker 1: financial freedom goals. I want you to break down your ambitions,

587
00:33:29,680 --> 00:33:34,760
Speaker 1: give them detail, give them sexy details, visualize yourself succeeding,

588
00:33:35,400 --> 00:33:39,200
Speaker 1: stay in the now, and never forget. You can be

589
00:33:39,560 --> 00:33:45,320
Speaker 1: your own best and most inspiring money motivation role model.

590
00:33:45,920 --> 00:33:50,280
Speaker 1: Motivation is the key that unlocks your financial potential, and

591
00:33:50,400 --> 00:33:52,880
Speaker 1: with it there is absolutely no limit as to what

592
00:33:52,960 --> 00:33:56,840
Speaker 1: you can create for yourself and of course for the

593
00:33:56,880 --> 00:34:00,880
Speaker 1: people that you love. So take this money motivation Manifesto

594
00:34:01,120 --> 00:34:04,200
Speaker 1: and make it your very own. And in the meantime,

595
00:34:04,400 --> 00:34:07,320
Speaker 1: of course, we're going to keep that financial fire together

596
00:34:07,840 --> 00:34:12,040
Speaker 1: burning bright between me and you and everyone else that

597
00:34:12,080 --> 00:34:15,440
Speaker 1: we're inspiring with our contagious energy. Thank you everyone for

598
00:34:15,480 --> 00:34:17,840
Speaker 1: listening to Sugar Mamas Fireplay. If you could do me

599
00:34:17,880 --> 00:34:20,000
Speaker 1: a huge favor and send this to anyone who's feeling

600
00:34:20,040 --> 00:34:21,719
Speaker 1: a bit flat right now with their financial goals and

601
00:34:21,760 --> 00:34:24,759
Speaker 1: their financial journey, because it might ignite something important and

602
00:34:24,840 --> 00:34:27,640
Speaker 1: powerful within them so that they can continue on with

603
00:34:27,719 --> 00:34:30,040
Speaker 1: their own successes. And if you can leave me of

604
00:34:30,040 --> 00:34:32,799
Speaker 1: course they're rating and review. That would mean so much

605
00:34:32,880 --> 00:34:35,040
Speaker 1: to me. All Right, everyone, I'll check in with you

606
00:34:35,080 --> 00:34:39,520
Speaker 1: again this Friday for start here. Thank you for listening

607
00:34:39,680 --> 00:34:40,239
Speaker 1: Chat for out