1 00:00:00,280 --> 00:00:03,880 Speaker 1: This podcast is recorded on gadigal Land, Always was, always 2 00:00:03,920 --> 00:00:11,479 Speaker 1: will be Aboriginal Land. This episode of Two broad Chicks 3 00:00:11,480 --> 00:00:15,640 Speaker 1: is sponsored by Shotback. We quite literally never make a 4 00:00:15,640 --> 00:00:18,919 Speaker 1: purchase without checking if we can earn cash back with 5 00:00:19,079 --> 00:00:23,560 Speaker 1: Shotback first. So whether we're shopping online, booking accommodation for 6 00:00:23,640 --> 00:00:27,280 Speaker 1: our next trip, or buying our morning coffee, literally it 7 00:00:27,520 --> 00:00:30,320 Speaker 1: is our life's goal to earn cash back on every 8 00:00:30,520 --> 00:00:34,720 Speaker 1: dollar that we can. So keep listening to get our 9 00:00:34,720 --> 00:00:38,080 Speaker 1: code to get your twenty dollars sign up cash Back 10 00:00:38,200 --> 00:00:50,040 Speaker 1: Offer Pay Chicks, I'm out. And this is Two Broach Chicks, 11 00:00:50,080 --> 00:00:52,320 Speaker 1: the show that shares life lessons and tips to help 12 00:00:52,400 --> 00:00:59,160 Speaker 1: make you rich in life. And today we're sharing habits 13 00:00:59,240 --> 00:01:02,480 Speaker 1: that rich people have because fake it to make it 14 00:01:02,520 --> 00:01:06,399 Speaker 1: baby right. But before we get into it, we always 15 00:01:06,400 --> 00:01:08,960 Speaker 1: share our obsession of the week. 16 00:01:09,280 --> 00:01:13,160 Speaker 2: Okay, my obsession of the week is a budget beauty 17 00:01:13,200 --> 00:01:16,800 Speaker 2: buy from Big W to many bees. Budget beauty buye 18 00:01:16,800 --> 00:01:20,440 Speaker 2: from Big W and it's from the brand Kind Collective 19 00:01:20,560 --> 00:01:25,280 Speaker 2: and it's their glow up stick skin Adaptive so good. 20 00:01:25,319 --> 00:01:26,000 Speaker 1: So I think it. 21 00:01:26,000 --> 00:01:28,319 Speaker 2: Comes in three different shades, but the one that I've 22 00:01:28,440 --> 00:01:30,920 Speaker 2: tried and really like is Matchmaker and it's like a 23 00:01:30,959 --> 00:01:31,960 Speaker 2: hot pink match. 24 00:01:31,840 --> 00:01:36,600 Speaker 1: Maker, match Maker, make me match? What's bubby even? Catch 25 00:01:36,680 --> 00:01:40,080 Speaker 1: me Catch? It's from missus Stoutfei and the scene when 26 00:01:40,080 --> 00:01:43,640 Speaker 1: he's dressed as like the old lady with the scarf 27 00:01:43,680 --> 00:01:47,400 Speaker 1: around his head and the brother's there and they're match Baker, Baker, 28 00:01:47,520 --> 00:01:54,000 Speaker 1: make me a match. So hopefully the shade was inspired 29 00:01:54,040 --> 00:01:56,160 Speaker 1: by the iconic moment in pop culture. 30 00:01:56,400 --> 00:02:00,000 Speaker 2: But yees, so it's sixteen dollars and it reminds me 31 00:02:00,560 --> 00:02:07,400 Speaker 2: of the milk makeup Jelly Blush, which is forty four dollars, 32 00:02:07,600 --> 00:02:11,760 Speaker 2: so it's like bit deep votes. Yeah, I think so, Like, 33 00:02:11,840 --> 00:02:14,600 Speaker 2: I feel like it doesn't have that same jelly sort of. 34 00:02:14,800 --> 00:02:18,520 Speaker 1: Yeah, I haven't tried the jelly milk makeup one. Have 35 00:02:18,600 --> 00:02:19,600 Speaker 1: you tried it? Yeah? 36 00:02:19,840 --> 00:02:22,480 Speaker 2: And I feel like they're pretty similar. It's good, but 37 00:02:22,520 --> 00:02:23,240 Speaker 2: I really like it. 38 00:02:23,280 --> 00:02:25,359 Speaker 1: I feel like it's great if you're getting into your 39 00:02:25,400 --> 00:02:30,640 Speaker 1: Sabrina Carpenter super rouged blush cheeks, I have to give 40 00:02:30,639 --> 00:02:36,000 Speaker 1: it a redd. Yeah, what's yours? Mine is two and 41 00:02:36,080 --> 00:02:41,240 Speaker 1: my first one is our live show. We just had 42 00:02:41,520 --> 00:02:45,200 Speaker 1: our first ever fucking live show called The Group Chat Tour, 43 00:02:45,840 --> 00:02:50,680 Speaker 1: and oh my god, best night of my life ever. 44 00:02:51,000 --> 00:02:55,720 Speaker 1: It was incredible, Like truly, I have no words, Like 45 00:02:55,800 --> 00:03:00,840 Speaker 1: Sala and I have been so excited but also so nervous, 46 00:03:00,960 --> 00:03:03,520 Speaker 1: like we just still feel like two little baby girls, 47 00:03:03,560 --> 00:03:08,160 Speaker 1: like living the dream. So to just see people in person, 48 00:03:08,320 --> 00:03:10,919 Speaker 1: see the chicks in person, and spend a night with 49 00:03:10,960 --> 00:03:14,600 Speaker 1: them was just an absolute dream. Like everyone loved their 50 00:03:14,639 --> 00:03:16,800 Speaker 1: goody bags, and I was so nervous, Like I was 51 00:03:16,840 --> 00:03:19,600 Speaker 1: so ridiculously nervous that I was like, what if people 52 00:03:19,600 --> 00:03:22,480 Speaker 1: don't feel like they're enough? Yeah, I was like, and 53 00:03:22,520 --> 00:03:24,120 Speaker 1: then as soon as I saw people with them, I 54 00:03:24,120 --> 00:03:25,720 Speaker 1: was like, why are we like this? I was like, 55 00:03:26,120 --> 00:03:28,680 Speaker 1: they're so bored? And just like all the chicks that 56 00:03:28,720 --> 00:03:31,720 Speaker 1: we met were just so beautiful and nice, and I 57 00:03:31,800 --> 00:03:35,920 Speaker 1: just felt so proud to have like the best audience ever. 58 00:03:36,280 --> 00:03:40,280 Speaker 1: I know, like our community is just full of really 59 00:03:40,320 --> 00:03:42,760 Speaker 1: beautiful people inside and out. 60 00:03:42,880 --> 00:03:45,800 Speaker 2: The energy that you chicks brought to the show really 61 00:03:45,840 --> 00:03:50,040 Speaker 2: made yeah night, Like everybody was just like laughing, hooting 62 00:03:50,080 --> 00:03:51,120 Speaker 2: and hollering. 63 00:03:50,880 --> 00:03:53,560 Speaker 1: Yeah, like yeah, I kind of can't wait to do 64 00:03:53,600 --> 00:03:56,880 Speaker 1: it again. Same like I think maybe twenty twenty five, 65 00:03:56,920 --> 00:04:01,320 Speaker 1: we've got to look at a Australia wide tour. Please come. 66 00:04:02,880 --> 00:04:04,520 Speaker 1: But Yeah, it was just the best. And of course 67 00:04:04,520 --> 00:04:07,360 Speaker 1: we have to say huge shout out to every single 68 00:04:07,360 --> 00:04:10,680 Speaker 1: person that helped with the setup for the show. We 69 00:04:10,720 --> 00:04:12,880 Speaker 1: are so grateful. We couldn't have done it without you. 70 00:04:13,320 --> 00:04:17,279 Speaker 1: And also all of our amazing sponsors who contributed to 71 00:04:17,360 --> 00:04:21,440 Speaker 1: the goodie bags and that made those possible because that 72 00:04:21,600 --> 00:04:23,880 Speaker 1: was a lot of hard work for every single person 73 00:04:24,040 --> 00:04:26,920 Speaker 1: who was involved, and across the board it seems like 74 00:04:26,960 --> 00:04:30,080 Speaker 1: you chicks absolutely love the goodie bags. So yeah, shout 75 00:04:30,080 --> 00:04:32,520 Speaker 1: out to our sponsors of the show too, especially our 76 00:04:32,920 --> 00:04:38,160 Speaker 1: manager Ash who just navigated seventy two hundred billion products 77 00:04:39,040 --> 00:04:41,200 Speaker 1: our Chikys that we couldn't do any of this without her, 78 00:04:41,279 --> 00:04:43,760 Speaker 1: so oh my god. Yeah, best known of our lives 79 00:04:43,800 --> 00:04:47,839 Speaker 1: so far. Oh my god. My second obsession of the 80 00:04:47,880 --> 00:04:51,080 Speaker 1: week is actually a candle, this one that was sent 81 00:04:51,360 --> 00:04:58,520 Speaker 1: to us from Glasshouse. It's called pumpkin pie. Oh my god. 82 00:04:58,640 --> 00:05:01,680 Speaker 1: If you are like a spooky in girlie who loves 83 00:05:01,680 --> 00:05:05,960 Speaker 1: watching like practical magic and hocus Pokers, this candle is 84 00:05:06,240 --> 00:05:09,719 Speaker 1: amazing for two reasons. One, it smells amazing. It doesn't 85 00:05:09,760 --> 00:05:12,640 Speaker 1: smell like pumpkin before you freak out, That's what at 86 00:05:12,680 --> 00:05:15,120 Speaker 1: first I was like. Okay, and then I smelled it 87 00:05:15,160 --> 00:05:17,320 Speaker 1: and I was like, oh my god. And the other 88 00:05:17,440 --> 00:05:21,640 Speaker 1: thing is that it's black, right, So the glass of 89 00:05:21,800 --> 00:05:24,560 Speaker 1: the candle is black, so when you look at it 90 00:05:24,720 --> 00:05:28,440 Speaker 1: from the side with the orange flame, with the black glass, 91 00:05:28,839 --> 00:05:32,520 Speaker 1: it looks like the black flame candle from hocus polkis. 92 00:05:32,800 --> 00:05:36,520 Speaker 1: So those are my obsessions. I love it. I literally 93 00:05:36,560 --> 00:05:39,240 Speaker 1: am obsessed with this candle. I once seventeen fabulous, give 94 00:05:39,240 --> 00:05:44,480 Speaker 1: me fourteen of them. Anyway, let's get into the episode 95 00:05:47,520 --> 00:05:51,960 Speaker 1: habits that rich people have, because if you just start 96 00:05:52,000 --> 00:05:54,400 Speaker 1: living like a rich person, it's all going to start 97 00:05:54,760 --> 00:05:56,719 Speaker 1: it's all going to start falling into a place. And 98 00:05:56,720 --> 00:06:01,400 Speaker 1: these are both lifestyle habits and money how because it 99 00:06:01,600 --> 00:06:03,760 Speaker 1: does take both of them. You do have to make 100 00:06:03,839 --> 00:06:08,640 Speaker 1: lifestyle changes and financial changes in order to see an 101 00:06:08,920 --> 00:06:14,080 Speaker 1: overall like level up in both of these aspects. Yeah, exactly, 102 00:06:14,120 --> 00:06:15,200 Speaker 1: it's like a lifestyle. 103 00:06:15,400 --> 00:06:17,440 Speaker 2: I think that's why they say that people have different 104 00:06:17,440 --> 00:06:22,560 Speaker 2: money personalities, because it really is a personality which I 105 00:06:22,560 --> 00:06:25,200 Speaker 2: think you can shift and adapt and change. 106 00:06:25,720 --> 00:06:28,080 Speaker 1: So if you don't do these things, that's why we're 107 00:06:28,080 --> 00:06:30,840 Speaker 1: sharing them with you. Oh yeah, Like we are also 108 00:06:31,080 --> 00:06:35,400 Speaker 1: trying to embody half of these exactly. Still a journey, yeap, 109 00:06:35,480 --> 00:06:39,599 Speaker 1: it's all journey. It's all a rich tapestry, a rich history. 110 00:06:41,240 --> 00:06:44,600 Speaker 1: Hit us off, wait, kick us off, jack us off, 111 00:06:45,400 --> 00:06:49,520 Speaker 1: beat us off. Oh my god, jump in quickly before 112 00:06:49,520 --> 00:06:53,279 Speaker 1: I keep going. Okay, our first habit being cash broke. 113 00:06:53,760 --> 00:06:56,440 Speaker 1: Have you ever heard of this? I haven't, so I 114 00:06:56,520 --> 00:06:59,359 Speaker 1: need you to explain it to me. Okay, So the 115 00:06:59,520 --> 00:07:02,880 Speaker 1: term cash broke refers to people who don't leave their 116 00:07:02,920 --> 00:07:07,240 Speaker 1: finances lying dormant. So instead instead of leaving your money 117 00:07:07,600 --> 00:07:11,960 Speaker 1: just lying dormant in a bank account, being cash broke 118 00:07:12,040 --> 00:07:14,840 Speaker 1: would refer to putting your money in a high interest 119 00:07:14,880 --> 00:07:21,160 Speaker 1: savings account, investing, or perhaps injecting it into your own 120 00:07:21,200 --> 00:07:25,600 Speaker 1: business or assets. So with this kind of money in 121 00:07:25,960 --> 00:07:30,160 Speaker 1: money out ideology, your money should be working for you 122 00:07:30,480 --> 00:07:33,960 Speaker 1: at all times. Whereas if you have a lot of 123 00:07:34,000 --> 00:07:37,600 Speaker 1: money just sitting in a bank account, of course that's 124 00:07:37,640 --> 00:07:40,880 Speaker 1: your cash rich. That's straight, but your cash rich. But 125 00:07:41,000 --> 00:07:43,640 Speaker 1: it's not work. It's not doing anywhere. That's it. It's 126 00:07:43,680 --> 00:07:47,440 Speaker 1: not doing it. It doesn't have any further potential to grow 127 00:07:48,840 --> 00:07:51,840 Speaker 1: without you just having to add more money in. So 128 00:07:52,080 --> 00:07:54,720 Speaker 1: I will say that you know, we do understand that 129 00:07:54,760 --> 00:07:57,360 Speaker 1: it can be difficult to even get enough money to 130 00:07:57,480 --> 00:08:00,720 Speaker 1: pay for your essentials in a cost of living crisis, 131 00:08:01,200 --> 00:08:05,480 Speaker 1: let alone finding extra money to put towards like an 132 00:08:05,520 --> 00:08:10,120 Speaker 1: investment property or assets or you know, investing. However, I 133 00:08:10,160 --> 00:08:13,040 Speaker 1: do think that this is an ideology that we can 134 00:08:13,160 --> 00:08:16,760 Speaker 1: all embrace to some level, no matter where we're sitting 135 00:08:17,000 --> 00:08:20,200 Speaker 1: on the financial spectram. So even if it is when 136 00:08:20,200 --> 00:08:24,560 Speaker 1: you get your paycheck putting a percentage of that into 137 00:08:24,600 --> 00:08:28,200 Speaker 1: a high interest savings account or learning how to invest 138 00:08:28,240 --> 00:08:32,280 Speaker 1: by investing five dollars into an ETF, like, you don't 139 00:08:32,360 --> 00:08:36,600 Speaker 1: have to be investing huge amounts of money into a 140 00:08:36,640 --> 00:08:41,200 Speaker 1: business to embody being cash broke. I think it's just 141 00:08:41,280 --> 00:08:44,000 Speaker 1: thinking about how your money can work for you and 142 00:08:44,080 --> 00:08:48,000 Speaker 1: not just letting it sit there. The first step in 143 00:08:48,040 --> 00:08:52,440 Speaker 1: this is learning how to save, and that probably only 144 00:08:52,520 --> 00:08:55,280 Speaker 1: took to being in my late twenties to when I 145 00:08:55,360 --> 00:08:58,280 Speaker 1: actually was like, okay, I feel like I can actually 146 00:08:58,280 --> 00:08:59,719 Speaker 1: I feel like I was doing this podcast that is 147 00:08:59,760 --> 00:09:01,920 Speaker 1: actually what made me better with handling my money. Oh 148 00:09:01,920 --> 00:09:06,479 Speaker 1: my god. We would interview people and I'd be like shit, fuck, okay, yeah, 149 00:09:06,520 --> 00:09:09,000 Speaker 1: and then that's like the first step. So if you're 150 00:09:09,040 --> 00:09:12,120 Speaker 1: not even saving yet, it's okay, don't feel bad. But 151 00:09:12,240 --> 00:09:14,800 Speaker 1: once you start getting up, try to avoid the lifestyle 152 00:09:14,840 --> 00:09:18,080 Speaker 1: creep of just spending more but putting those increases in 153 00:09:18,160 --> 00:09:21,240 Speaker 1: your pay or whatever it is away. And then once 154 00:09:21,280 --> 00:09:24,360 Speaker 1: you kind of get that emergency fund and that's good, 155 00:09:24,440 --> 00:09:26,360 Speaker 1: then you can kind of start looking at things like 156 00:09:26,400 --> 00:09:29,160 Speaker 1: investing and stuff. Would you say, yeah, great, I think so. 157 00:09:29,760 --> 00:09:32,000 Speaker 1: I think it's just putting in those habits, even as 158 00:09:32,080 --> 00:09:35,160 Speaker 1: small as they can be, to build that habit because 159 00:09:35,160 --> 00:09:37,880 Speaker 1: as we always say, like just because you start earning 160 00:09:37,920 --> 00:09:39,640 Speaker 1: more money, that doesn't mean that you become better with 161 00:09:39,679 --> 00:09:42,200 Speaker 1: your money. So it's all about starting those habits as 162 00:09:42,280 --> 00:09:46,560 Speaker 1: early as possible. Even a high interest savings account, Yeah, 163 00:09:46,559 --> 00:09:49,560 Speaker 1: that's a super super easy one. And to find one 164 00:09:49,640 --> 00:09:52,640 Speaker 1: it is as simple as literally going into Google and 165 00:09:53,240 --> 00:09:56,040 Speaker 1: typing in high interest savings account for someone in their 166 00:09:56,040 --> 00:09:59,280 Speaker 1: twenties or whatever age. Because there are so many banks 167 00:09:59,320 --> 00:10:02,719 Speaker 1: that do target young Australians because they want to get 168 00:10:02,800 --> 00:10:05,520 Speaker 1: you as a customer when you're young and then they 169 00:10:05,720 --> 00:10:07,200 Speaker 1: keep you for the rest of your life. But don't 170 00:10:07,240 --> 00:10:09,200 Speaker 1: do that, because you can compare and save. I should 171 00:10:09,240 --> 00:10:12,200 Speaker 1: probably look at change in mind, you know, So what 172 00:10:12,240 --> 00:10:16,280 Speaker 1: can you give me, all right, next habit valuing their time. 173 00:10:16,600 --> 00:10:20,320 Speaker 1: We all know the old saying time is money, and 174 00:10:20,360 --> 00:10:24,240 Speaker 1: I think with this habit, we're encouraged to outsource things 175 00:10:24,440 --> 00:10:28,040 Speaker 1: where it makes sense for you. And there's also saying 176 00:10:28,240 --> 00:10:30,800 Speaker 1: the saying that you have to spend money to make money. 177 00:10:30,840 --> 00:10:33,080 Speaker 1: I hate that, by the way. I know it's annoying, 178 00:10:33,120 --> 00:10:35,880 Speaker 1: but it's true. Hey, it scary, it is. 179 00:10:36,280 --> 00:10:39,520 Speaker 2: But for example, let's say that you have a small 180 00:10:39,559 --> 00:10:43,280 Speaker 2: business and you're building a website you need to toss up. 181 00:10:43,320 --> 00:10:48,480 Speaker 2: Would it make sense for you to upskill and learn 182 00:10:48,520 --> 00:10:52,000 Speaker 2: how to do that in the long run if you 183 00:10:52,080 --> 00:10:54,560 Speaker 2: have an interest there, or is it better for you 184 00:10:54,679 --> 00:10:59,200 Speaker 2: to outsource that job to a professional website builder who 185 00:10:59,200 --> 00:11:01,280 Speaker 2: knows exactly what they're going to do it in the 186 00:11:01,280 --> 00:11:04,320 Speaker 2: most efficient way, in the best way that's going to 187 00:11:04,360 --> 00:11:08,080 Speaker 2: perform the best for your business. So it's like, while 188 00:11:08,520 --> 00:11:12,320 Speaker 2: you're spending money to get the task done, you're getting 189 00:11:12,360 --> 00:11:16,720 Speaker 2: back time and productivity in return by not like fiddling 190 00:11:16,760 --> 00:11:18,720 Speaker 2: around with code in the back of a website when 191 00:11:18,760 --> 00:11:21,440 Speaker 2: you don't know what you're doing. Again, in this instance, 192 00:11:21,559 --> 00:11:24,720 Speaker 2: that really depends on your values because someone might be like, oh, 193 00:11:24,760 --> 00:11:26,439 Speaker 2: but isn't it better if you know how to run 194 00:11:26,480 --> 00:11:28,400 Speaker 2: your own website and you can do it all yourself. 195 00:11:28,800 --> 00:11:30,719 Speaker 2: I think that really depends on what sort of role 196 00:11:30,760 --> 00:11:32,640 Speaker 2: you'd want to have in your business, and. 197 00:11:32,679 --> 00:11:35,880 Speaker 1: This is just one example. I do think consistently though, 198 00:11:35,960 --> 00:11:42,000 Speaker 1: when you look at really successful CEOs and founders whenever, 199 00:11:42,920 --> 00:11:46,160 Speaker 1: like one of them biggest tips is to delegate. It 200 00:11:46,240 --> 00:11:49,400 Speaker 1: is to find people and hire people that know more 201 00:11:49,440 --> 00:11:52,559 Speaker 1: than you do exactly. So I actually do think it 202 00:11:52,600 --> 00:11:54,760 Speaker 1: is within your best interest to find those things that 203 00:11:54,800 --> 00:11:57,000 Speaker 1: you don't know how to do. And upscilling is definitely 204 00:11:57,320 --> 00:12:00,440 Speaker 1: a massive part of you know, rich people habits, but 205 00:12:01,080 --> 00:12:03,199 Speaker 1: there is expertise that you don't need to be an 206 00:12:03,200 --> 00:12:06,960 Speaker 1: expert in, you know, and finding people that do know 207 00:12:07,000 --> 00:12:09,439 Speaker 1: how to do things better than you is like about 208 00:12:09,480 --> 00:12:13,400 Speaker 1: building trust and investing your money to get a higher 209 00:12:13,440 --> 00:12:17,040 Speaker 1: return back. So I actually agree. Like I again, people 210 00:12:17,080 --> 00:12:20,160 Speaker 1: probably would disagreeah and be like, you'll save so much 211 00:12:20,240 --> 00:12:22,920 Speaker 1: money just learning how to do it yourself. That's not 212 00:12:23,000 --> 00:12:26,120 Speaker 1: sustainable in the long run if things go the way 213 00:12:26,160 --> 00:12:28,000 Speaker 1: that you want it to. If you say you're working 214 00:12:28,000 --> 00:12:30,319 Speaker 1: on a side hustle or whatever, you're not going to 215 00:12:30,400 --> 00:12:35,560 Speaker 1: have time to be like, oh the website's down log on, Like, no, 216 00:12:35,800 --> 00:12:37,960 Speaker 1: you need people as a team that are there to 217 00:12:37,960 --> 00:12:39,920 Speaker 1: do it for you, not necessarily full time. That's what 218 00:12:39,960 --> 00:12:43,439 Speaker 1: freelancers and contractors are for, baby, exactly, it's what outsourcing 219 00:12:43,520 --> 00:12:46,840 Speaker 1: is all about. A task adole. Yes, but that's the thing, 220 00:12:46,960 --> 00:12:50,800 Speaker 1: Like you can get more money, you can't get your 221 00:12:50,800 --> 00:12:54,839 Speaker 1: time back exactly. There's no returns and refunds on your time, 222 00:12:55,120 --> 00:12:57,560 Speaker 1: So you might as well spend your time one doing 223 00:12:57,600 --> 00:13:03,600 Speaker 1: what you enjoy, two doing it deductively, and three not procrastinating. Yes, 224 00:13:03,960 --> 00:13:06,080 Speaker 1: and that comes into like the second half of this 225 00:13:06,360 --> 00:13:09,720 Speaker 1: that I feel like we've said this before, but time 226 00:13:10,040 --> 00:13:13,360 Speaker 1: is the most expensive currency. It literally is the most 227 00:13:13,400 --> 00:13:16,040 Speaker 1: expensive form of currency. It's the most universal form of 228 00:13:16,080 --> 00:13:19,720 Speaker 1: currency because the way you spend your time, you can't 229 00:13:19,760 --> 00:13:22,920 Speaker 1: get it back. And so not only is this habit 230 00:13:23,000 --> 00:13:26,560 Speaker 1: about outsourcing and ensuring you're spending your time currency well, 231 00:13:26,800 --> 00:13:28,840 Speaker 1: but it's about how you do it for yourself too. 232 00:13:29,360 --> 00:13:33,280 Speaker 1: So for example, like let's say going along with that example, 233 00:13:33,280 --> 00:13:35,600 Speaker 1: it's like that person's doing the website, Okay, now what 234 00:13:35,600 --> 00:13:38,120 Speaker 1: are you doing? And it's identifying the ways that you 235 00:13:38,200 --> 00:13:41,360 Speaker 1: can spend your time that is the most productive, not 236 00:13:41,480 --> 00:13:43,720 Speaker 1: all the time, because I feel like it's a bit 237 00:13:43,800 --> 00:13:45,800 Speaker 1: of a toxic mindset to think that you've got to 238 00:13:45,800 --> 00:13:49,240 Speaker 1: be productive all the fucking time. If you think you 239 00:13:49,600 --> 00:13:51,520 Speaker 1: need to be productive all the time, you will never 240 00:13:51,559 --> 00:13:54,960 Speaker 1: be productive because you have to rest, You have to 241 00:13:55,880 --> 00:13:59,240 Speaker 1: have time to switch off, because then those hours that 242 00:13:59,280 --> 00:14:02,880 Speaker 1: time that you focused, you'll be ten times better. If 243 00:14:02,920 --> 00:14:07,320 Speaker 1: you're productive seventy to sixty percent of the time, that 244 00:14:07,480 --> 00:14:09,440 Speaker 1: is a lot better than trying to be productive one 245 00:14:09,480 --> 00:14:12,040 Speaker 1: hundred percent at the time without doubt. And I have 246 00:14:12,280 --> 00:14:15,120 Speaker 1: really only learned that like this, yeah, and it's a 247 00:14:15,160 --> 00:14:17,760 Speaker 1: working progress. It is a work in progress, but like 248 00:14:18,040 --> 00:14:23,720 Speaker 1: use a planner, prioritize high impact activities, delegate tasks lightly above, 249 00:14:24,440 --> 00:14:27,320 Speaker 1: say no to low priority tasks. That is something that 250 00:14:27,360 --> 00:14:30,520 Speaker 1: we struggle with so much because we like the most 251 00:14:30,560 --> 00:14:33,000 Speaker 1: toxic trait is becoming a yes person, Like you need 252 00:14:33,040 --> 00:14:34,520 Speaker 1: to be able to say no to things that do 253 00:14:34,560 --> 00:14:36,560 Speaker 1: not take priority. Like when Sala and I log on 254 00:14:37,280 --> 00:14:39,560 Speaker 1: every day and we send our lists, like sal will 255 00:14:39,600 --> 00:14:42,120 Speaker 1: send her list and I will be like, get this off, 256 00:14:42,320 --> 00:14:45,160 Speaker 1: Like that is not a priority today, Do it another day. 257 00:14:45,160 --> 00:14:46,800 Speaker 1: It's going to stress you out just by being on 258 00:14:46,840 --> 00:14:50,480 Speaker 1: your list. Yeah, set boundaries to protect your time and 259 00:14:50,520 --> 00:14:53,000 Speaker 1: focus on what brings you joy. I think as well 260 00:14:53,160 --> 00:14:55,480 Speaker 1: that setting boundaries is that thing of being like, Okay, 261 00:14:55,520 --> 00:14:57,760 Speaker 1: do you know what? I could do this now, but 262 00:14:57,800 --> 00:15:00,320 Speaker 1: I also could do it tomorrow. I want to do 263 00:15:00,400 --> 00:15:03,080 Speaker 1: this now, even if it's like a social thing, you know. 264 00:15:03,320 --> 00:15:06,520 Speaker 1: So some other ways that you can build upon spending 265 00:15:06,520 --> 00:15:10,640 Speaker 1: your time wisely, because like we said before, creating to 266 00:15:10,720 --> 00:15:13,440 Speaker 1: do this or dopamine menus will be bringing out our 267 00:15:13,520 --> 00:15:17,680 Speaker 1: rich in Life Planner and journal in a couple of 268 00:15:17,720 --> 00:15:20,840 Speaker 1: weeks now at two weeks, and we've actually updated this 269 00:15:20,840 --> 00:15:23,480 Speaker 1: to be built out via dopamine menus. So you're breaking 270 00:15:23,520 --> 00:15:26,640 Speaker 1: it down with like fifteen minute tasks, one hour tasks, 271 00:15:26,680 --> 00:15:30,120 Speaker 1: and you can use the seventy rule. So this means 272 00:15:30,240 --> 00:15:32,400 Speaker 1: your goal is not to get one hundred percent of 273 00:15:32,400 --> 00:15:35,920 Speaker 1: your daily task done, but seventy percent. And I think 274 00:15:35,920 --> 00:15:38,240 Speaker 1: when you attack it like that, you're going to prioritize 275 00:15:38,280 --> 00:15:40,920 Speaker 1: your shit a lot more. You know, just writing stuff down, 276 00:15:40,920 --> 00:15:44,200 Speaker 1: and sometimes we write to do lists to make ourselves 277 00:15:44,200 --> 00:15:47,680 Speaker 1: feel better. Yeah, we get the dopamine hit by writing 278 00:15:47,680 --> 00:15:49,680 Speaker 1: a really long list being like, wow, I'm going to 279 00:15:49,720 --> 00:15:52,800 Speaker 1: do all of this. I'm so productive, and then you 280 00:15:52,800 --> 00:15:55,760 Speaker 1: don't do it and then you feel like shit, yeah exactly, yeah, 281 00:15:55,800 --> 00:15:58,880 Speaker 1: so use the seventy rule. And then I saw this 282 00:15:59,200 --> 00:16:03,000 Speaker 1: other tier which I fucking love this, and it's a 283 00:16:03,240 --> 00:16:07,720 Speaker 1: say a do it now affirmation, So it's a self 284 00:16:07,840 --> 00:16:12,240 Speaker 1: nagging technique and you repeat the words do it now 285 00:16:12,320 --> 00:16:16,160 Speaker 1: over and over again until you start whatever you're avoiding. 286 00:16:16,360 --> 00:16:18,880 Speaker 1: Oh my god. So if you're like, you know how, 287 00:16:18,920 --> 00:16:20,400 Speaker 1: the one thing that we all hate doing is like 288 00:16:20,440 --> 00:16:23,480 Speaker 1: sending that email that will actually take five minutes, and 289 00:16:23,520 --> 00:16:25,080 Speaker 1: so you're just sitting there going do it now, do 290 00:16:25,160 --> 00:16:27,040 Speaker 1: it now? Do it now? Do it now? Do it now? 291 00:16:27,200 --> 00:16:29,880 Speaker 1: Until you actually and then you're like, fuck, that's annoying. Yeah, 292 00:16:29,920 --> 00:16:32,400 Speaker 1: and then you go and do it. I really like that, 293 00:16:32,520 --> 00:16:35,280 Speaker 1: hap Yeah, And I kiss myself off with that. Yeah, 294 00:16:35,400 --> 00:16:37,200 Speaker 1: that's the thing you're know your having to doing it. 295 00:16:37,200 --> 00:16:41,080 Speaker 1: It's probably not very positive, but it it's predictive. And 296 00:16:41,120 --> 00:16:43,720 Speaker 1: then the last one, which is my personal favorite, and 297 00:16:43,760 --> 00:16:47,880 Speaker 1: it's probably like definitely for spicy brain people, as our 298 00:16:47,880 --> 00:16:51,960 Speaker 1: friend Gem recommends, but it's have accountability partners, so there 299 00:16:52,000 --> 00:16:54,480 Speaker 1: are people that you team up with to pursue a 300 00:16:54,480 --> 00:16:56,560 Speaker 1: big goal. But I actually don't even think it needs 301 00:16:56,560 --> 00:16:58,440 Speaker 1: to be a big goal. Like if there's something even 302 00:16:58,480 --> 00:17:01,680 Speaker 1: small that you just like, jump on zoom with a colleague. 303 00:17:02,080 --> 00:17:03,880 Speaker 1: You can work for an hour just on zoom. You're 304 00:17:03,880 --> 00:17:06,960 Speaker 1: not even necessarily talking, but it's like that's something to 305 00:17:07,040 --> 00:17:09,600 Speaker 1: do all Like my partner and I always clean the 306 00:17:09,640 --> 00:17:13,400 Speaker 1: apartment at the same time together because you're so much 307 00:17:13,440 --> 00:17:15,960 Speaker 1: more productive and accountable when you're doing it with another person. 308 00:17:17,920 --> 00:17:20,920 Speaker 1: So yeah, that's yeah. I love my three little three 309 00:17:20,960 --> 00:17:26,440 Speaker 1: little tippotoos ooho tiboos. So our next habit that rich 310 00:17:26,480 --> 00:17:30,320 Speaker 1: people have is brought to you by our sponsor, shot Back, 311 00:17:31,000 --> 00:17:35,520 Speaker 1: and that is to squeeze every penny cash back, discount 312 00:17:35,600 --> 00:17:39,480 Speaker 1: codes and sales. You chicks know the drill. We I 313 00:17:39,520 --> 00:17:41,919 Speaker 1: think that Alex and I actually refuse to make a 314 00:17:41,960 --> 00:17:44,960 Speaker 1: purchase unless we can get some sort of discount sale 315 00:17:45,240 --> 00:17:49,960 Speaker 1: or cash back. It's illegal to not. Yeah, and as 316 00:17:50,000 --> 00:17:52,879 Speaker 1: you cheeks probably also know, our cash back service of 317 00:17:53,000 --> 00:17:55,479 Speaker 1: choice is shot Back. We've been using it for a 318 00:17:55,560 --> 00:17:59,520 Speaker 1: really long time and we absolutely love it. In case 319 00:17:59,560 --> 00:18:02,119 Speaker 1: you aren't really across how shot back works, because we 320 00:18:02,200 --> 00:18:04,960 Speaker 1: have had a few dms come in from the chicks 321 00:18:06,080 --> 00:18:10,440 Speaker 1: with a few FAQs like what is this? Yeah, because 322 00:18:10,480 --> 00:18:13,159 Speaker 1: I think it's like I like it. I think people 323 00:18:13,200 --> 00:18:14,960 Speaker 1: think it sounds too good to be true. 324 00:18:15,560 --> 00:18:17,920 Speaker 2: Yeah, so a little rundown. If you don't know how 325 00:18:17,920 --> 00:18:21,000 Speaker 2: shot back works. You can use the shop back app 326 00:18:21,119 --> 00:18:24,200 Speaker 2: or browser extension on your computer to earn cash back 327 00:18:24,200 --> 00:18:27,840 Speaker 2: when you shop with partnered brands. They are partnered with 328 00:18:28,359 --> 00:18:31,320 Speaker 2: so many amazing brands that you would be shopping with 329 00:18:31,480 --> 00:18:34,480 Speaker 2: on an everyday basis, as well as for some of 330 00:18:34,480 --> 00:18:38,520 Speaker 2: those other more one off purchases like travel and accommodation. So, 331 00:18:38,640 --> 00:18:41,760 Speaker 2: for example, let's say that the offer is ten percent 332 00:18:41,880 --> 00:18:45,840 Speaker 2: cash back at the Iconic. If you activate the offer 333 00:18:46,200 --> 00:18:50,240 Speaker 2: and spend one hundred dollars, you'd get ten dollars cash back. 334 00:18:50,520 --> 00:18:52,720 Speaker 1: A lot of people also ask how do I actually 335 00:18:52,800 --> 00:18:56,000 Speaker 1: get my cash back? How do I withdraw it into 336 00:18:56,080 --> 00:18:56,640 Speaker 1: my account? 337 00:18:57,520 --> 00:19:01,440 Speaker 2: So in your account you can see available cash back 338 00:19:01,480 --> 00:19:03,440 Speaker 2: and it will show you the amount of cash back 339 00:19:03,480 --> 00:19:06,199 Speaker 2: that you have. Then you can withdraw it into the 340 00:19:06,440 --> 00:19:09,840 Speaker 2: account that you have linked to your shot back account. 341 00:19:10,560 --> 00:19:15,280 Speaker 1: It varies between merchants, so check the TNCs for this specifically. 342 00:19:15,320 --> 00:19:17,160 Speaker 1: But I did check with our mates at shot back 343 00:19:17,680 --> 00:19:20,480 Speaker 1: and they said that typically your cash back is usually 344 00:19:20,480 --> 00:19:23,480 Speaker 1: available to withdraw between forty five and one hundred and 345 00:19:23,560 --> 00:19:27,640 Speaker 1: twenty days after purchase, but like I said, again, check 346 00:19:27,640 --> 00:19:31,280 Speaker 1: the TNCs to be across that. I think the most 347 00:19:31,280 --> 00:19:34,400 Speaker 1: important thing, though, is that we're about to head into 348 00:19:34,680 --> 00:19:40,040 Speaker 1: sale season. It's the most wonderful time of the year, 349 00:19:40,600 --> 00:19:48,120 Speaker 1: Black Friday, click Frenzy, but click Frenzy is starting on 350 00:19:48,359 --> 00:19:51,560 Speaker 1: the twelfth of November. Black Friday will be only twenty 351 00:19:51,640 --> 00:19:56,520 Speaker 1: ninth of November, and using shot back with your shopping 352 00:19:56,760 --> 00:19:59,880 Speaker 1: on these sales is how you're going to be able 353 00:19:59,880 --> 00:20:04,960 Speaker 1: to really increase your savings, and I highly recommend downloading 354 00:20:05,000 --> 00:20:08,000 Speaker 1: and checking that out before every single purchase. We'll also 355 00:20:08,000 --> 00:20:09,639 Speaker 1: be including them in the cheat sheet for when you 356 00:20:09,640 --> 00:20:14,000 Speaker 1: can get upsized cash back offers, so definitely make sure 357 00:20:14,119 --> 00:20:16,480 Speaker 1: that you check that out. I know, big plugs, but 358 00:20:17,480 --> 00:20:20,600 Speaker 1: we cannot recommend it enough. It truly is like our 359 00:20:20,600 --> 00:20:24,200 Speaker 1: favorite thing in the whole white world. Honestly. Yeah, shot 360 00:20:24,240 --> 00:20:29,000 Speaker 1: Back is the true third Road chick. Yeah. I love that. Yeah, 361 00:20:29,040 --> 00:20:31,399 Speaker 1: and make sure to keep listening until the end of 362 00:20:31,440 --> 00:20:34,359 Speaker 1: the episode to get our cheeky little code so you 363 00:20:34,359 --> 00:20:36,760 Speaker 1: can get a twenty dollars sign up bonus. Should we 364 00:20:36,800 --> 00:20:39,160 Speaker 1: see should we see how much cashback I've earned. Okay, 365 00:20:39,240 --> 00:20:43,280 Speaker 1: so my lifetime earnings is one thousand, six hundred and 366 00:20:43,359 --> 00:20:48,000 Speaker 1: two dollars. Wow, it's not bad. Gaws, that's so good, 367 00:20:48,480 --> 00:20:51,640 Speaker 1: so good. Okay. Our next habit that rich people have 368 00:20:51,880 --> 00:20:56,800 Speaker 1: is to invest in yourself, invest in your personal and 369 00:20:57,040 --> 00:21:00,240 Speaker 1: professional development. I think it's super easy to fall into 370 00:21:00,320 --> 00:21:05,040 Speaker 1: focusing only on one of these rather than both, because 371 00:21:05,600 --> 00:21:08,560 Speaker 1: it can feel like really overwhelming to be focusing on both. 372 00:21:08,840 --> 00:21:12,480 Speaker 1: But it's more about finding that one simple task per 373 00:21:12,560 --> 00:21:18,320 Speaker 1: day to improve both aspects. So one habit that fits 374 00:21:18,359 --> 00:21:21,399 Speaker 1: into both categories. So it's like two birds one stone, 375 00:21:21,440 --> 00:21:26,960 Speaker 1: which is a terrible saying, I know, I always think that, Yeah, 376 00:21:27,000 --> 00:21:30,800 Speaker 1: I really see the visual that makes it feel like, say, anyway, 377 00:21:31,200 --> 00:21:36,160 Speaker 1: two birds, one packet of seed pellets to share you're afraiko, 378 00:21:36,240 --> 00:21:39,880 Speaker 1: I love you. So one habit that fits into both 379 00:21:39,880 --> 00:21:43,560 Speaker 1: of these is the ability to seek advice. So whether 380 00:21:43,640 --> 00:21:47,119 Speaker 1: that is from a manager, a friend, an online creator 381 00:21:47,119 --> 00:21:51,000 Speaker 1: that aligns with your values, or an author. The richest 382 00:21:51,000 --> 00:21:53,800 Speaker 1: people in the world never stop learning. People that always 383 00:21:53,880 --> 00:21:56,520 Speaker 1: feel they have something more to learn are truly the 384 00:21:56,600 --> 00:22:00,960 Speaker 1: richest people in the world. Absolutely, yeah, to gain everything. 385 00:22:00,560 --> 00:22:02,560 Speaker 3: But how fun is life when you get to learn 386 00:22:02,640 --> 00:22:06,520 Speaker 3: stuff every day, and it's not necessarily like maths, but 387 00:22:06,640 --> 00:22:09,760 Speaker 3: like just how to have fun or the music you like, 388 00:22:10,040 --> 00:22:13,320 Speaker 3: or learning new hobbies or languages or instruments, whatever it is. 389 00:22:13,520 --> 00:22:16,080 Speaker 1: Yeah, it's just like being willing to open yourself up 390 00:22:16,119 --> 00:22:19,360 Speaker 1: to learn new things and ask questions because I think, 391 00:22:19,720 --> 00:22:22,000 Speaker 1: like you said in a recent episode, a lot of 392 00:22:22,040 --> 00:22:24,720 Speaker 1: us feel embarrassed to ask a question when we don't 393 00:22:24,720 --> 00:22:27,960 Speaker 1: know something, but that is so empowering when you do 394 00:22:28,119 --> 00:22:33,600 Speaker 1: unlock that. Yeah, being rich in curiosity. H like that, Okay, 395 00:22:33,760 --> 00:22:40,600 Speaker 1: And then our next one, which don't hate me this one. 396 00:22:40,760 --> 00:22:43,720 Speaker 1: I don't think many people are gonna like. But getting 397 00:22:43,960 --> 00:22:48,879 Speaker 1: up early. So I know this doesn't sound appealing, but 398 00:22:49,040 --> 00:22:52,680 Speaker 1: it is probably one of the most common threads across 399 00:22:52,760 --> 00:22:57,280 Speaker 1: really successful humans like Michelle Obama and a Winter and 400 00:22:57,400 --> 00:23:01,480 Speaker 1: Christiana getting up early is commonly as a piece of 401 00:23:01,600 --> 00:23:05,040 Speaker 1: the success puzzle that it's a bit of a joke 402 00:23:05,119 --> 00:23:07,040 Speaker 1: at this point, but I'm like, I don't want to, 403 00:23:07,960 --> 00:23:11,160 Speaker 1: but I know, I think we spoke about this recently too. 404 00:23:11,359 --> 00:23:15,399 Speaker 1: But this year is probably the first year in my 405 00:23:15,440 --> 00:23:19,080 Speaker 1: life that I have not woken up at like eight 406 00:23:19,160 --> 00:23:22,200 Speaker 1: o'clock and had to physically drag myself out of bed. 407 00:23:22,280 --> 00:23:25,399 Speaker 1: Like I get up at seven, which is by no 408 00:23:25,520 --> 00:23:27,760 Speaker 1: means early compared to these people, like they get up 409 00:23:27,760 --> 00:23:31,040 Speaker 1: at four thirty. I know, if that ever becomes me, 410 00:23:31,480 --> 00:23:34,119 Speaker 1: take me away. Yeah, take me. If I start telling 411 00:23:34,280 --> 00:23:37,280 Speaker 1: people to wake up at four thirty, you know, I've 412 00:23:37,280 --> 00:23:40,399 Speaker 1: been replaced with a robot. It's not me. But I 413 00:23:40,400 --> 00:23:43,800 Speaker 1: do think there is something in waking up early, because 414 00:23:44,680 --> 00:23:46,920 Speaker 1: it means your whole life isn't revolving around just getting 415 00:23:46,960 --> 00:23:48,399 Speaker 1: up and going to work, like you actually get to 416 00:23:48,400 --> 00:23:50,240 Speaker 1: live a little bit of a life. Plus in the morning, 417 00:23:50,280 --> 00:23:54,440 Speaker 1: you're so much more productive. And when you rise earlier, 418 00:23:54,760 --> 00:23:57,240 Speaker 1: it means you rest earlier too, and you're getting your 419 00:23:57,280 --> 00:23:59,879 Speaker 1: seven to nine hours of sleep. And I definitely have 420 00:24:00,000 --> 00:24:01,639 Speaker 1: started doing that. I used to wake up with like 421 00:24:01,720 --> 00:24:04,600 Speaker 1: eight and then or maybe sometimes nine if I was 422 00:24:04,640 --> 00:24:07,320 Speaker 1: working from home, and then I would open to laptop 423 00:24:08,000 --> 00:24:11,359 Speaker 1: in bed and I would say I'm online. And then 424 00:24:11,359 --> 00:24:13,000 Speaker 1: if I didn't have a meeting, I maybe would go 425 00:24:13,080 --> 00:24:16,040 Speaker 1: back to sleep and then wake back up, but it 426 00:24:16,040 --> 00:24:19,200 Speaker 1: would be because I was staying up till like midnight 427 00:24:19,440 --> 00:24:21,640 Speaker 1: every night and going to bed maybe at like one, 428 00:24:21,880 --> 00:24:24,720 Speaker 1: Like I remember when we worked it up old jobs 429 00:24:24,720 --> 00:24:27,160 Speaker 1: and if I was working from home the next day, 430 00:24:27,720 --> 00:24:30,199 Speaker 1: I would treat it like a Friday night because I 431 00:24:30,240 --> 00:24:32,520 Speaker 1: was like, oh, I get to sleep until nine yeah, 432 00:24:32,560 --> 00:24:36,800 Speaker 1: which is like we'll not cold, but like not good 433 00:24:37,000 --> 00:24:41,440 Speaker 1: for your brand. Yeah, this is an actual thing. So 434 00:24:41,560 --> 00:24:47,320 Speaker 1: it's called revenge bedtime procrastination, and it's the act of 435 00:24:47,400 --> 00:24:51,399 Speaker 1: deliberately putting off sleep in favor of leisure activities like 436 00:24:51,480 --> 00:24:55,640 Speaker 1: watching Netflix or scrolling on TikTok that provide short term 437 00:24:55,840 --> 00:24:59,960 Speaker 1: enjoyment but few long term life benefits. And it's been 438 00:25:00,040 --> 00:25:03,359 Speaker 1: because if you are waking up late and then going 439 00:25:03,440 --> 00:25:07,280 Speaker 1: straight to work, you feel resentful about how you have 440 00:25:07,359 --> 00:25:09,480 Speaker 1: to spend your time because then you get home from 441 00:25:09,560 --> 00:25:12,040 Speaker 1: work or you shut your laptop and you're like, great, 442 00:25:12,040 --> 00:25:13,480 Speaker 1: now I've got a cook dinner. Now I've got to 443 00:25:13,480 --> 00:25:15,840 Speaker 1: clean up. Now I've got to do my life admin. No, 444 00:25:15,960 --> 00:25:18,120 Speaker 1: I don't want to go to bed at ten o'clock. 445 00:25:18,640 --> 00:25:20,800 Speaker 1: I want to scroll on TikTok, I want to watch 446 00:25:21,000 --> 00:25:22,240 Speaker 1: this show on Netflix. 447 00:25:22,320 --> 00:25:25,920 Speaker 2: I deserve this, So, out of some form of revenge 448 00:25:26,040 --> 00:25:28,440 Speaker 2: and spite, you stay up later. 449 00:25:28,960 --> 00:25:31,119 Speaker 1: To do those things. It feels so validated and you 450 00:25:31,200 --> 00:25:35,280 Speaker 1: only self sabotage yourself. Will A lot of people do this, yeah, 451 00:25:35,320 --> 00:25:39,240 Speaker 1: and I'd like still sometimes do it. I definitely think 452 00:25:39,240 --> 00:25:41,879 Speaker 1: I've strayed away from it, but every now and again, Yeah, 453 00:25:41,920 --> 00:25:43,760 Speaker 1: which is fine, Yeah, totally. 454 00:25:44,200 --> 00:25:46,240 Speaker 2: But I also think it's good to put a name 455 00:25:46,320 --> 00:25:49,720 Speaker 2: to it, yeah, because then you're like, no, I am 456 00:25:50,119 --> 00:25:52,680 Speaker 2: revenge procrastinating right now? 457 00:25:52,840 --> 00:26:02,120 Speaker 1: Ah, God damn. Okay. And our last one is they 458 00:26:02,200 --> 00:26:08,120 Speaker 1: don't have debt now. I know that this is definitely 459 00:26:08,160 --> 00:26:11,439 Speaker 1: a tricky thing to navigate, and I also want to 460 00:26:12,960 --> 00:26:16,000 Speaker 1: half kind of normalize it in a way, not in 461 00:26:16,040 --> 00:26:18,000 Speaker 1: a way that I think we should be, you know, 462 00:26:18,119 --> 00:26:21,560 Speaker 1: going out and getting loans for those moments, but it's 463 00:26:21,560 --> 00:26:25,000 Speaker 1: more for anyone listening that is in that situation. I 464 00:26:25,000 --> 00:26:27,320 Speaker 1: think a lot of people are in that situation because 465 00:26:27,359 --> 00:26:30,919 Speaker 1: of the cost of living and because financial education is 466 00:26:31,040 --> 00:26:34,399 Speaker 1: not as as freely given as it should be. Like 467 00:26:34,480 --> 00:26:39,160 Speaker 1: you were not taught this shit in school, and it's 468 00:26:39,640 --> 00:26:42,200 Speaker 1: really really tricky and we're not taught as well, the 469 00:26:42,280 --> 00:26:45,640 Speaker 1: ramifications of loans and debts and things like that. Yeah, 470 00:26:45,680 --> 00:26:50,760 Speaker 1: And it's a lot of the lesson comes from the hindsight. Yeah, 471 00:26:50,800 --> 00:26:53,480 Speaker 1: And I think as well, like saying they don't have debt. 472 00:26:53,520 --> 00:26:55,880 Speaker 1: We're being very general here. Yeah, there is a difference 473 00:26:56,000 --> 00:26:58,920 Speaker 1: between type. So I'm going to good debt bad debt, 474 00:26:59,520 --> 00:27:02,120 Speaker 1: but we'll get it into that. Yeah. So, good debt 475 00:27:02,240 --> 00:27:05,400 Speaker 1: is typically characterized by its potential to increase your net 476 00:27:05,440 --> 00:27:09,440 Speaker 1: worth or generate long term income, with common examples being 477 00:27:09,480 --> 00:27:12,600 Speaker 1: mortgages to buy a house, student loans, and investment loans, 478 00:27:13,000 --> 00:27:16,400 Speaker 1: whereas bad debt, on the other hand, typically involves borrowing 479 00:27:16,440 --> 00:27:20,800 Speaker 1: to purchase depreciating assets or consumption items that lose value 480 00:27:20,880 --> 00:27:24,520 Speaker 1: quickly and do not generate long term income. Examples of 481 00:27:24,600 --> 00:27:28,439 Speaker 1: bad debt can sometimes include credit cards, car loans, and 482 00:27:28,520 --> 00:27:32,119 Speaker 1: payday loans. So that's kind of how like, I've got 483 00:27:32,520 --> 00:27:35,439 Speaker 1: a ten thousand dollars loan in my student debt, But 484 00:27:35,720 --> 00:27:41,359 Speaker 1: that's good debt because apparently it's no it is, you know, 485 00:27:41,520 --> 00:27:45,160 Speaker 1: like it's you are investing in yourself, which is what 486 00:27:45,240 --> 00:27:48,479 Speaker 1: I think does play a really high role in these numbers. 487 00:27:48,520 --> 00:27:52,040 Speaker 1: Because I looked up on Statista and which I fucking 488 00:27:52,160 --> 00:27:56,240 Speaker 1: love that name every time to say that, every time 489 00:27:56,280 --> 00:28:00,639 Speaker 1: we pull a stat from stas want to be like, 490 00:28:00,800 --> 00:28:06,120 Speaker 1: ow good. It really sounds like a drag name. I'm 491 00:28:06,119 --> 00:28:07,359 Speaker 1: like welcome to the stage. 492 00:28:07,640 --> 00:28:12,120 Speaker 2: Statista, drag name Karen and finance No no no. 493 00:28:12,680 --> 00:28:14,600 Speaker 1: When we're in Greece, Spanky Coppita. 494 00:28:15,119 --> 00:28:18,520 Speaker 2: Oh yeah, we said that my boyfriend's drag name would 495 00:28:18,520 --> 00:28:21,000 Speaker 2: be Spanky Coppeta, like Spanic Copta, because he's Greek. 496 00:28:21,080 --> 00:28:24,800 Speaker 1: Anyway, we digress anyway. The average value of personal debt 497 00:28:24,960 --> 00:28:28,480 Speaker 1: in Australia in twenty twenty three by generation baby Boomers 498 00:28:28,840 --> 00:28:32,679 Speaker 1: was four thousand, eight hundred and forty two. Jen X 499 00:28:32,880 --> 00:28:36,720 Speaker 1: was eight thousand, five hundred and forty five, Millennials was 500 00:28:36,800 --> 00:28:40,720 Speaker 1: ten thousand, nine hundred and forty four, and the largest 501 00:28:40,960 --> 00:28:44,560 Speaker 1: was jen Z with eleven thousand, three hundred and twenty one. 502 00:28:45,200 --> 00:28:48,520 Speaker 1: But I reckon a really large part of that would 503 00:28:48,520 --> 00:28:52,080 Speaker 1: be student debt. I do think probably a large part 504 00:28:52,080 --> 00:28:55,080 Speaker 1: of it would be by now pay later services, and 505 00:28:55,160 --> 00:28:57,160 Speaker 1: another part would be like baby boomers have had a 506 00:28:57,160 --> 00:29:00,520 Speaker 1: longer time to pay off any debts. Yeah, they may have. 507 00:29:00,800 --> 00:29:03,440 Speaker 1: There was a report from Finder that said the average 508 00:29:03,480 --> 00:29:07,400 Speaker 1: Australian household debt is two hundred and sixty one four 509 00:29:07,480 --> 00:29:10,120 Speaker 1: hundred and ninety two as of December twenty twenty two. 510 00:29:10,680 --> 00:29:13,240 Speaker 1: But a large part of that is home loan debt 511 00:29:14,240 --> 00:29:16,800 Speaker 1: makes sense. So, but the average household debt of a 512 00:29:16,840 --> 00:29:20,840 Speaker 1: personal loan was six nine hundred and twenty wow, so 513 00:29:20,920 --> 00:29:24,120 Speaker 1: nearly seven thousand dollars, and then student debt was twenty 514 00:29:24,160 --> 00:29:26,520 Speaker 1: four thousand, eight hundred. But I think it's good to 515 00:29:26,560 --> 00:29:29,320 Speaker 1: acknowledge that there is good debt and there is bad debt, 516 00:29:29,440 --> 00:29:32,440 Speaker 1: and so realizing in those moments of do I want 517 00:29:32,440 --> 00:29:34,680 Speaker 1: good debt or do I want bad debt? Because I 518 00:29:34,680 --> 00:29:37,600 Speaker 1: feel like there's such a knee jerk trigger to everything now, 519 00:29:37,640 --> 00:29:42,240 Speaker 1: like even just the relationship we have with credit cards, 520 00:29:42,280 --> 00:29:43,920 Speaker 1: like sal and I don't have a credit card, but 521 00:29:43,920 --> 00:29:45,920 Speaker 1: I would probably look at getting a credit card now 522 00:29:46,080 --> 00:29:49,600 Speaker 1: one because I actually have control over the way that 523 00:29:49,640 --> 00:29:52,680 Speaker 1: I spend money. In my early twenties, absolutely not. She 524 00:29:52,840 --> 00:29:55,760 Speaker 1: could not have a credit card. That girl, that little girl. 525 00:29:56,280 --> 00:29:58,840 Speaker 1: No one could trust her. I couldn't trust her. She's 526 00:29:59,000 --> 00:30:03,480 Speaker 1: many undated with online shopping packages. Oh my god. Literally, 527 00:30:03,520 --> 00:30:05,040 Speaker 1: like I would be like, I'm just going to get 528 00:30:05,040 --> 00:30:06,560 Speaker 1: this for this, and I know I wouldn't have done that, 529 00:30:06,640 --> 00:30:10,400 Speaker 1: like know yourself. Yeah, and even with like buy now, 530 00:30:10,400 --> 00:30:12,360 Speaker 1: pay later. I think the average debt is around two 531 00:30:12,440 --> 00:30:15,560 Speaker 1: thousand dollars, So there are some ways that you can 532 00:30:15,600 --> 00:30:19,040 Speaker 1: avoid bad debt in your twenties, which you can run 533 00:30:19,120 --> 00:30:20,440 Speaker 1: us through Sally Beally. 534 00:30:21,200 --> 00:30:26,040 Speaker 2: Number one delaying gratification practice patients by saving up to 535 00:30:26,120 --> 00:30:30,240 Speaker 2: pay for larger purchases in full instead of using buy now, 536 00:30:30,280 --> 00:30:32,240 Speaker 2: pay later, or credit cards. 537 00:30:32,000 --> 00:30:38,720 Speaker 1: Or personal loans. Two no spend periods periodically outlining no 538 00:30:38,880 --> 00:30:43,000 Speaker 1: spend times where you can only spend on essentials. This 539 00:30:43,080 --> 00:30:46,520 Speaker 1: can be a day, a week, a month, etc. You 540 00:30:46,520 --> 00:30:48,480 Speaker 1: can customize it to your goals and what you think 541 00:30:48,520 --> 00:30:51,360 Speaker 1: will work for you, but it could be great to 542 00:30:51,400 --> 00:30:54,320 Speaker 1: do now leading up to the Christmas period when a 543 00:30:54,360 --> 00:30:56,240 Speaker 1: lot of us are going to be spending a lot 544 00:30:56,240 --> 00:30:59,320 Speaker 1: of money and you could benefit from having those savings. 545 00:31:00,240 --> 00:31:04,640 Speaker 1: Number three live below your means just because you can 546 00:31:04,720 --> 00:31:07,800 Speaker 1: afford it, That doesn't mean that you need it and 547 00:31:07,840 --> 00:31:11,840 Speaker 1: should buy it. Allow yourself and allowance that is less 548 00:31:11,840 --> 00:31:15,520 Speaker 1: than your actual income, and have the rest go automatically 549 00:31:15,720 --> 00:31:20,120 Speaker 1: into savings. Set up a fun account and put money 550 00:31:20,160 --> 00:31:23,000 Speaker 1: into that, and that's what you can spend on non 551 00:31:23,120 --> 00:31:26,160 Speaker 1: essentials and fun things. So then that way you're not 552 00:31:26,400 --> 00:31:30,240 Speaker 1: detracting from your big savings goals for these things that 553 00:31:30,240 --> 00:31:33,560 Speaker 1: are fun in the moment, but it's also not super restrictive. Yeah, 554 00:31:34,040 --> 00:31:35,920 Speaker 1: I still think you should be able to buy those 555 00:31:35,960 --> 00:31:39,320 Speaker 1: little fun things that you want. Otherwise life's fucking boring. Yeah, 556 00:31:39,360 --> 00:31:41,240 Speaker 1: if all you do is earn money to pay for bills, 557 00:31:41,280 --> 00:31:45,640 Speaker 1: you're gonna be like, I hate this shit. But yeah, 558 00:31:45,760 --> 00:31:48,880 Speaker 1: it's all a ridge tapestry of balance. 559 00:31:48,960 --> 00:31:55,720 Speaker 2: It is number four practicing minimalism, focus on owning fewer things, 560 00:31:55,840 --> 00:31:59,960 Speaker 2: reducing clutter, and buying only what you really need. 561 00:32:00,680 --> 00:32:06,240 Speaker 1: I think that is like such a good tip to finish. 562 00:32:05,880 --> 00:32:08,880 Speaker 2: On because I think that is a mindset shift that 563 00:32:08,920 --> 00:32:11,080 Speaker 2: will help ladder up to a lot of these other 564 00:32:11,160 --> 00:32:14,680 Speaker 2: habits and will reduce stress across the board. 565 00:32:16,080 --> 00:32:19,240 Speaker 1: Love it ten out of ten. Well, I'm feeling rich. 566 00:32:20,120 --> 00:32:22,920 Speaker 1: But should we move into advice with the chick? Let's 567 00:32:22,960 --> 00:32:32,719 Speaker 1: do it. So. We have set up the Broke Chicks 568 00:32:33,000 --> 00:32:36,719 Speaker 1: hotline that you can text us, so you can text 569 00:32:36,800 --> 00:32:40,720 Speaker 1: us your dilemmas, your wildest stories. We'll use them in 570 00:32:40,720 --> 00:32:43,040 Speaker 1: the episode and we'll put the number in the show 571 00:32:43,080 --> 00:32:45,520 Speaker 1: notes and we'll make a story highlight as well, so 572 00:32:45,680 --> 00:32:48,720 Speaker 1: you can always find a number and textime. Yeah, call 573 00:32:48,800 --> 00:32:54,400 Speaker 1: me if you want to reach me. Whenever you need me, Baby, 574 00:32:54,520 --> 00:32:57,560 Speaker 1: call me beat me if you want to reach me. Okay, slave, 575 00:32:57,720 --> 00:33:00,240 Speaker 1: by the way, thank you, I was waiting for that. 576 00:33:00,640 --> 00:33:01,280 Speaker 1: Hey chicks. 577 00:33:01,640 --> 00:33:03,880 Speaker 2: First off, thank god I had the live show with 578 00:33:03,920 --> 00:33:06,360 Speaker 2: you girlies and my best mates this weekend. After dating 579 00:33:06,400 --> 00:33:08,200 Speaker 2: a guy for a few weeks and he called it 580 00:33:08,280 --> 00:33:11,880 Speaker 2: all off because I like my friends, family and Christmas 581 00:33:11,880 --> 00:33:15,760 Speaker 2: too much, and I wish I was joking about that 582 00:33:15,840 --> 00:33:16,720 Speaker 2: being my reason. 583 00:33:16,960 --> 00:33:20,120 Speaker 1: Wait, because she likes Christmas too much. Fuck would be 584 00:33:20,160 --> 00:33:21,120 Speaker 1: dumped into much? I know. 585 00:33:21,720 --> 00:33:24,640 Speaker 2: Okay, We've been seeing each other for a few weeks, 586 00:33:24,720 --> 00:33:27,520 Speaker 2: talking every day and dates two to three times a week. 587 00:33:28,040 --> 00:33:32,040 Speaker 2: He'd been extremely responsive, clear communication about his feelings and 588 00:33:32,080 --> 00:33:35,320 Speaker 2: talking about our future together. I stayed the night on 589 00:33:35,400 --> 00:33:38,200 Speaker 2: Sunday after he asked me, and woke up Monday morning 590 00:33:38,240 --> 00:33:40,400 Speaker 2: with no issues, cuddled in bed. 591 00:33:40,200 --> 00:33:44,720 Speaker 1: With long makeout session. Love that, talked afterwards and planned 592 00:33:44,760 --> 00:33:47,760 Speaker 1: more dates. Fast forward to Tuesday morning at work when 593 00:33:47,800 --> 00:33:49,840 Speaker 1: I get a text saying he's thought about it, and 594 00:33:49,880 --> 00:33:52,480 Speaker 1: he's having anxiety about where we're headed and he's been 595 00:33:52,520 --> 00:33:55,200 Speaker 1: on his own for such a long time and jumping 596 00:33:55,200 --> 00:33:57,040 Speaker 1: into something quick isn't the best idea. 597 00:33:57,440 --> 00:33:59,480 Speaker 2: But we can still go out for our planned date 598 00:33:59,520 --> 00:34:03,160 Speaker 2: on Thursday day. What ensues from there is a spiral 599 00:34:03,200 --> 00:34:05,560 Speaker 2: of I'm not ready, I have anxiety, and I can't 600 00:34:05,560 --> 00:34:09,520 Speaker 2: sleep next to you. What you like your friends and 601 00:34:09,640 --> 00:34:12,840 Speaker 2: family too much? And you enjoy the holidays and I 602 00:34:12,880 --> 00:34:15,600 Speaker 2: can't guarantee I will want to be there. Oh. 603 00:34:16,160 --> 00:34:18,480 Speaker 1: In the end, he called it a day and told 604 00:34:18,560 --> 00:34:21,920 Speaker 1: me he hopes I find the person I deserve. Here's 605 00:34:21,960 --> 00:34:23,160 Speaker 1: the dilemma, though, chicks. 606 00:34:23,440 --> 00:34:25,400 Speaker 2: My mum asked me if I made it clear to 607 00:34:25,480 --> 00:34:27,960 Speaker 2: him that I'm willing to be understanding if this was 608 00:34:28,040 --> 00:34:31,000 Speaker 2: just a moment of anxiety and check in on him 609 00:34:31,000 --> 00:34:33,520 Speaker 2: to see if he's feeling differently. Now, would you be 610 00:34:33,640 --> 00:34:36,080 Speaker 2: understanding of his mental health issue and reach out when 611 00:34:36,080 --> 00:34:38,920 Speaker 2: he took something that was going amazingly and crumbled at 612 00:34:38,920 --> 00:34:40,040 Speaker 2: the first moment. 613 00:34:39,800 --> 00:34:45,359 Speaker 1: Of fear, I think he's dealing with something like I like. 614 00:34:45,800 --> 00:34:48,439 Speaker 1: That kind of just makes me a bit sad for him, 615 00:34:48,480 --> 00:34:52,839 Speaker 1: because I think he just he truly is actually really 616 00:34:52,880 --> 00:34:55,440 Speaker 1: scared of that commitment. I don't think you loving your 617 00:34:55,440 --> 00:34:58,479 Speaker 1: friends or your family is a bad thing at all, 618 00:35:00,560 --> 00:35:03,840 Speaker 1: And why does that turn somebody off? Like shouldn't I 619 00:35:03,880 --> 00:35:07,399 Speaker 1: can understand, you know, if you're getting into something new 620 00:35:07,640 --> 00:35:10,120 Speaker 1: and you're like, oh my god, I feel overwhelmed, like 621 00:35:10,160 --> 00:35:12,880 Speaker 1: if they have commitment issues or something, and then heading 622 00:35:12,920 --> 00:35:15,279 Speaker 1: into the holiday season, like that's why we always see 623 00:35:15,280 --> 00:35:18,800 Speaker 1: that December eleven is the biggest day for breakups in 624 00:35:18,840 --> 00:35:21,600 Speaker 1: the entire year, because I think going into Christmas, people 625 00:35:21,640 --> 00:35:25,239 Speaker 1: like I don't like, it's too much much by your presence, yeah, 626 00:35:25,280 --> 00:35:27,080 Speaker 1: and it's too much pressure, and then you know they 627 00:35:27,080 --> 00:35:29,719 Speaker 1: want to start the new year fresh. But you know, 628 00:35:29,840 --> 00:35:32,480 Speaker 1: I think in this instance, some people might be like, oh, 629 00:35:32,520 --> 00:35:35,799 Speaker 1: it's the right person, wrong time, But I also think 630 00:35:35,880 --> 00:35:39,360 Speaker 1: the right person. Yeah, I think that that's not true 631 00:35:39,400 --> 00:35:42,279 Speaker 1: because if they were the right person, it would be 632 00:35:42,320 --> 00:35:44,879 Speaker 1: the right time as well. He is right. I think 633 00:35:44,920 --> 00:35:47,880 Speaker 1: you do deserve someone who is excited about those things, 634 00:35:48,320 --> 00:35:51,320 Speaker 1: that is, like excited to come to your family Christmas 635 00:35:51,320 --> 00:35:55,680 Speaker 1: and see your friends. But I actually like respect. I 636 00:35:55,800 --> 00:35:58,080 Speaker 1: think he could have called you. I think it or 637 00:35:58,120 --> 00:36:00,520 Speaker 1: seen you. Don't know if it needed to be a text. 638 00:36:01,080 --> 00:36:03,000 Speaker 1: But I think he's done the right thing by saying 639 00:36:03,080 --> 00:36:06,040 Speaker 1: like this stuff doesn't excite me. It actually just gives 640 00:36:06,040 --> 00:36:09,719 Speaker 1: me anxiety. And I don't think like this makes me 641 00:36:09,760 --> 00:36:14,839 Speaker 1: the right person for you. That I don't think it 642 00:36:15,040 --> 00:36:20,399 Speaker 1: is your job to help someone through this, because by 643 00:36:20,480 --> 00:36:23,759 Speaker 1: the sounds of it, he needs to go and do 644 00:36:23,840 --> 00:36:27,080 Speaker 1: some work potentially, like he needs to go and kind 645 00:36:27,120 --> 00:36:29,799 Speaker 1: of maybe deal with those commitment issues a little bit. 646 00:36:29,880 --> 00:36:32,960 Speaker 1: And I don't think it is your job to coach 647 00:36:33,040 --> 00:36:35,840 Speaker 1: someone through their commitment issues in order for them to 648 00:36:35,880 --> 00:36:41,560 Speaker 1: commit to you. Been there, done that spoiler, it didn't work. Yeah, 649 00:36:42,160 --> 00:36:43,080 Speaker 1: they don't. 650 00:36:42,800 --> 00:36:46,279 Speaker 2: Commit and it's just well because they get to have 651 00:36:46,360 --> 00:36:48,360 Speaker 2: their cake and eat it too, like going on the 652 00:36:48,440 --> 00:36:51,759 Speaker 2: date after he's tried to end it exactly of a 653 00:36:51,840 --> 00:36:54,960 Speaker 2: weird vibe. Yeah, but I think it's because he likes 654 00:36:55,000 --> 00:36:58,399 Speaker 2: spending time with you, but he doesn't want to have, 655 00:36:58,840 --> 00:36:59,160 Speaker 2: you know. 656 00:36:59,120 --> 00:37:01,520 Speaker 1: All the bells and whistle was attached. He just wants 657 00:37:01,560 --> 00:37:05,160 Speaker 1: the whistle. No bell, and you deserve to give your 658 00:37:05,160 --> 00:37:08,040 Speaker 1: bell and your whistle to somebody who wants wrote your 659 00:37:08,040 --> 00:37:12,160 Speaker 1: bell whistle ornaments. Yeah balls, Christmas star, you're the star 660 00:37:12,239 --> 00:37:14,400 Speaker 1: on top of the tree bit. Yeah, that kind of 661 00:37:14,440 --> 00:37:15,440 Speaker 1: just made me a bit sad. 662 00:37:16,200 --> 00:37:18,920 Speaker 2: But I think that this is a good thing because 663 00:37:18,920 --> 00:37:20,919 Speaker 2: I don't think listen to your mom. 664 00:37:21,200 --> 00:37:23,520 Speaker 1: Yeah, I think your mum's being really sweet and being 665 00:37:23,560 --> 00:37:26,160 Speaker 1: like you can be there for him and like maybe 666 00:37:26,200 --> 00:37:29,200 Speaker 1: he is having a really bad mental health moment. So 667 00:37:29,239 --> 00:37:31,640 Speaker 1: you could send a text and say like, I hope 668 00:37:31,640 --> 00:37:35,120 Speaker 1: you're I hope you're okay, and I completely support you, 669 00:37:35,120 --> 00:37:37,520 Speaker 1: you know, taking some time to work on yourself and 670 00:37:37,560 --> 00:37:40,080 Speaker 1: your commitment issues. But I can't be the one to 671 00:37:40,080 --> 00:37:42,520 Speaker 1: coach you through that. But thank you so much for 672 00:37:42,560 --> 00:37:44,960 Speaker 1: being so honest with me. I do really appreciate it. 673 00:37:45,000 --> 00:37:47,520 Speaker 1: And maybe we'll run into each other in the future. 674 00:37:47,840 --> 00:37:51,080 Speaker 2: Yeah, exactly, And I guarantee there will be somebody else 675 00:37:51,120 --> 00:37:53,800 Speaker 2: out there who is ready. Oh yeah, and you won't 676 00:37:53,840 --> 00:37:56,560 Speaker 2: have to convince them to want to be with you. 677 00:37:56,719 --> 00:37:59,920 Speaker 1: Focus on you, do your own thing and enjoy the 678 00:38:00,280 --> 00:38:05,040 Speaker 1: Christmas period them. Yeah, with your friends and family. Yeah. 679 00:38:05,160 --> 00:38:09,239 Speaker 1: You don't want to feel like you're dragging your partner 680 00:38:09,960 --> 00:38:12,440 Speaker 1: to spend time with your friends and your family. You 681 00:38:12,480 --> 00:38:14,600 Speaker 1: want them to be just as excited for that. And 682 00:38:14,640 --> 00:38:17,320 Speaker 1: that's not asking too much. No, that's pretty much the 683 00:38:17,360 --> 00:38:22,360 Speaker 1: bare minimum. Okay. Well, that is a wrap on today's episode, 684 00:38:22,480 --> 00:38:28,280 Speaker 1: as promise, though a cheeky little twenty dollars cash back bonus. 685 00:38:29,040 --> 00:38:31,480 Speaker 2: Thanks again to shot Back for making today's episode of 686 00:38:31,480 --> 00:38:34,400 Speaker 2: Two Broke Chicks happen. Hit the link in the description 687 00:38:34,520 --> 00:38:37,000 Speaker 2: to sign up to shot Back and use our code 688 00:38:37,160 --> 00:38:41,680 Speaker 2: too Broke Chicks to get a twenty dollars cash back bonus. 689 00:38:42,040 --> 00:38:42,520 Speaker 1: Ps. 690 00:38:42,680 --> 00:38:45,400 Speaker 2: Keep an eye out on our Instagram next week because 691 00:38:45,400 --> 00:38:47,560 Speaker 2: we are teaming up with shot Back to drop a 692 00:38:47,840 --> 00:38:51,440 Speaker 2: huge giveaway and you chicks won't want to miss it. 693 00:38:51,800 --> 00:38:56,480 Speaker 1: Trust us, it's gonna be a big, more huge all right. Well, 694 00:38:56,600 --> 00:38:59,440 Speaker 1: on that note, love you chicks. Thank you so much 695 00:38:59,440 --> 00:39:01,719 Speaker 1: again for coming to the live show. We will never 696 00:39:01,760 --> 00:39:04,840 Speaker 1: get over it or never stop thinking about it. Love you, 697 00:39:04,960 --> 00:39:07,480 Speaker 1: miss you guys already. Kiss Thanks for having us in 698 00:39:07,520 --> 00:39:10,279 Speaker 1: your mummies. We love to be here. And thanks to 699 00:39:10,440 --> 00:39:12,520 Speaker 1: m I k Made for making today's episode happened. I 700 00:39:12,800 --> 00:39:21,320 Speaker 1: love you bye,