Speaker 1: Welcome to How Do They Afford That? The podcast that
Speaker 1: peaks into the financial lives of every day Australians. I'm
Speaker 1: Uchaele Thompson. I'm an author and the co host of
Speaker 1: the business news podcast Fear and Greed. As always, I'm
Speaker 1: with Canna Campbell, financial planner, founder of Sugar Mumber TV,
Speaker 1: the financial literacy platform covering YouTube, podcast, Instagram, threads, TikTok.
Speaker 1: Books like our book Twelve Months of Financial Freedom, coming
Speaker 1: out a little bit later this year in September.
Speaker 2: Hello, Canna, good morning, how are you.
Speaker 1: I am well? Today is going to be a little
Speaker 1: bit uncomfortable.
Speaker 2: Oh I am feeling uncomfortable already.
Speaker 1: That's just because you're in the studio with me. Oh rubbish.
Speaker 1: I tend to have that effect on you.
Speaker 2: I feel like this this episode's going to be confronting.
Speaker 2: It's going to make people feel uncomfortable. It's going to
Speaker 2: call people to action. It's going to make people really
Speaker 2: reflect and look at themselves. But hopefully it makes some
Speaker 2: important change, and that's what we're really here to help
Speaker 2: people with. Make change.
Speaker 1: It's going to help I love how much you're hyping
Speaker 1: this up.
Speaker 2: I am I have to do because I find this. Yeah,
Speaker 2: I've got some I've got some sins to expose some demons.
Speaker 1: Yeh oh, we're going to do an in studio exorcism. Okay,
Speaker 1: it's not quite that serious. But everyone has something that
Speaker 1: they are avoiding financially, right, whether it's getting involved with
Speaker 1: your super or getting started investing, or sorting out your
Speaker 1: insurance or something. I'm feeling a little bit fut and
Speaker 1: guilty on a few of these ones. A credit card
Speaker 1: statement that you're just ignoring, even just opening up the
Speaker 1: banking app to see what's going on. It's always something
Speaker 1: that you'll deal with later, right. The intention is there
Speaker 1: to do it at some point, but it just keeps
Speaker 1: getting pushed.
Speaker 2: To the bottom of the list of things.
Speaker 1: Absolutely, there's always something more important. Today we are tackling
Speaker 1: financial avoidance, and perhaps optimistically we are going to overcome it.
Speaker 2: Ye of course we are. Don't even question it.
Speaker 1: Okay, all right, So I'm clearly glass half empty, whereas
Speaker 1: you are very much you're more than glass half full,
Speaker 1: permanently overflowed in us.
Speaker 2: To make huge transformations.
Speaker 1: In today's episode, what are the things that people most
Speaker 1: commonly put off? I feel like I gave a good
Speaker 1: list there, but there's more.
Speaker 2: It goes far and wide, So make yourself a snack,
Speaker 2: get comfortable, because the list is long of all the
Speaker 2: excuses that we've come up with and all the things
Speaker 2: we actually put off. So as you mentioned, like just
Speaker 2: doing a budget, getting started with investing, fixing, or just
Speaker 2: maybe reviewing your superannuation. Then there's personal insurance and general insurance,
Speaker 2: writing a will perhaps or updating your will. Even going
Speaker 2: and seeing a financial planner or something people often put
Speaker 2: off because they're worried about what the financial planner might
Speaker 2: say or think. Or even seeing your accountant, yeah, which
Speaker 2: is one that I think a lot of people also
Speaker 2: put off. Even seeing a mortgage broker, maybe asking for
Speaker 2: a pay rise, paying off pesky debt credit cards or
Speaker 2: buy it now pay later. Now. These are all high
Speaker 2: impact decisions and that's why they get delayed.
Speaker 1: It's interesting. It's when you go and see a financial planner,
Speaker 1: or you sit down and you sort out your insurance
Speaker 1: and you put that in motion, or you log into
Speaker 1: your super app and you start kind of having a
Speaker 1: poke around. So it's like going to the gym or
Speaker 1: something after you put it off for a long time.
Speaker 1: The do you know what I mean like.
Speaker 2: These I'd say this to Tom all the time after
Speaker 2: going to the gym. I'm so glad I did that.
Speaker 2: Why did I put it off? Why did I put
Speaker 2: it off?
Speaker 1: The endorphins are actually there right, the same as kind
Speaker 1: of like a post workout thing. But you get the
Speaker 1: same thing from knowing that you've actually put in place
Speaker 1: and put in motion some change. And some of those
Speaker 1: are big things, like if you are suddenly writing a
Speaker 1: will or updating a will that you haven't done, or
Speaker 1: kind of put in place a plan with your financial planner.
Speaker 1: But what is it that makes us do this? Is
Speaker 1: it this feeling that we are is it fit or
Speaker 1: is it just being overwhelmed?
Speaker 2: I think it's a combination of different things, and it's
Speaker 2: very much reflective as to what it is you're actually
Speaker 2: putting off. So, you know, for some people, yes, there's
Speaker 2: the fear of getting it wrong, you know, so, and
Speaker 2: they put so much pressure on themselves, you know. And
Speaker 2: then there's obviously feeling overwhelmed thinking, oh, this is too
Speaker 2: much of a big task for me to handle or
Speaker 2: do right now. I just don't know where to start,
Speaker 2: so I'll just let it be undone for a bit more.
Speaker 2: Then there's obviously the lack of clarity, not actually knowing
Speaker 2: practically what to do to do this or get started
Speaker 2: or fix this. There's also the emotional discomfort because sometimes
Speaker 2: we do have to face something that's actually hiding behind
Speaker 2: the reason why we haven't gotten started, which I'm going
Speaker 2: to share something with you in a little bit about
Speaker 2: where this where my procrastination boils down to a bit
Speaker 2: of an emotional discomfort. But then there's also I think
Speaker 2: the one that gets missed as well is the financial savings.
Speaker 2: So for example, someone knows they need income protection, they
Speaker 2: know that they're walking around exposing their family to unnecessary risk,
Speaker 2: but they also know that the premiums are going to
Speaker 2: be expensive. It's going to have to mean that they
Speaker 2: more money comes out at our account and we gn
Speaker 2: to review the budget. So they're just trying to just
Speaker 2: get through another month perhaps before they have to go
Speaker 2: and take out that policy. So it really does come
Speaker 2: down and obviously that avoidance creates that sense of temporary relief,
Speaker 2: but that also creates even greater long term pressure that
Speaker 2: builds up over time. And you know, it feels good
Speaker 2: in the moment, but it actually can become incredibly expensive.
Speaker 1: Do you think it's more common with the big decisions,
Speaker 1: because for me, a lot of it is a feeling
Speaker 1: of being a little bit overwhelmed by some of these
Speaker 1: things and not actually knowing where to start. The smaller
Speaker 1: things I understand, like if it's just about opening up
Speaker 1: my banking app and seeing where things are out looking
Speaker 1: at my credit card, all right, that's not so much
Speaker 1: being overwhelmed. But you get something big and chunky, like
Speaker 1: your superannuation or trying to unravel the density of insurance
Speaker 1: policies and things, those things just feel too big. So
Speaker 1: is it more common with those big decisions?
Speaker 2: Yes and no. So of course those bigger, more complicated,
Speaker 2: heavier tasks. You know, there are higher stakes involved, there's
Speaker 2: more risk involved, and there's obviously that greater emotional weight
Speaker 2: to get it right, get it perfect. But also, at
Speaker 2: the same time, interestingly, I think that smaller decisions can
Speaker 2: also get ignored for the longest because there's no pressing
Speaker 2: urgency behind it, and so it's very easy just to
Speaker 2: do it next week, do it next month. But at
Speaker 2: the end of the day, the problem isn't actually the task,
Speaker 2: whether it's big or small, it's the time that we
Speaker 2: are robbing ourselves of by avoiding it. And then, of course,
Speaker 2: even if it's smaller, it's big, it still gets longer,
Speaker 2: it gets heavier, it gets.
Speaker 1: Bigger, It accumulates, right exactly, Okay, And that's the thing
Speaker 1: that even if you've got a series of small things
Speaker 1: that you're putting off, they hang over.
Speaker 2: Your head, they keep you up at night.
Speaker 1: Yeah, and then you do it just like the gym example,
Speaker 1: and you're like, that was actually a whole lot easier
Speaker 1: than I thought it was going to be. I don't
Speaker 1: know why I put it off, and I don't know
Speaker 1: why I held this, held onto this angst for so long.
Speaker 1: You can tell I'm talking from personal experience here, right.
Speaker 2: Have you heard of Alex's whole mosey? I think is
Speaker 2: how you pronounce it, Alex hole mosey.
Speaker 1: Well, considering I'm not even one hundred percent sure that's
Speaker 1: how you say it, no, I can safely say no,
Speaker 1: I haven't.
Speaker 2: So. He is a famous entrepreneur, and he's famous for
Speaker 2: scaling businesses, particularly gyms and gyms yeah in the American
Speaker 2: And I have listened to him on a podcast with
Speaker 2: Chris Williamson, and he says something that really stuck with
Speaker 2: me about this concept of you know, putting things off
Speaker 2: and procrastinating, and he said, we often spend more time procrastinating,
Speaker 2: thinking about something, avoiding it, feeling stressed about it, than
Speaker 2: it would actually take to actually do the task. And
Speaker 2: it really hit me because money, like budgeting, checking our
Speaker 2: super asking for a better deal with our bank, or
Speaker 2: speaking to a mortgage broker, those tasks in the rear
Speaker 2: reality of life actually really take just a couple of minutes,
Speaker 2: sometimes even a couple of seconds, but we delay them
Speaker 2: for weeks or some months or sometimes in my pace,
Speaker 2: years years.
Speaker 1: Yeap, what have you delayed? I have an image of
Speaker 1: you right built up over the last few years of
Speaker 1: doing this podcast as someone who is very proactive, obviously
Speaker 1: with your finances. You are very accountable to yourself and
Speaker 1: to others around you in terms of what you want
Speaker 1: to do. You do it, You say what you're going
Speaker 1: to do, and then you get it done right. I'm
Speaker 1: a do I have therefore, I have assumed that there
Speaker 1: is nothing that you will not tackle when it comes
Speaker 1: to money. But I can tell by the look on
Speaker 1: your phone I'm so ashamed.
Speaker 2: So my will is really outdated. It needs to. I
Speaker 2: created my will before I had my two daughters, Tom,
Speaker 2: and I am fully aware of the stupidity of this
Speaker 2: and there is and I have been putting it off.
Speaker 2: And even though I've actually eve had meetings with listeners
Speaker 2: to talk about my wills and what my wishes would
Speaker 2: be and all the nitty gritty pieces of information that
Speaker 2: is needed and the conversations I have to have with Tom,
Speaker 2: I have been putting it off embarrassingly for seven years.
Speaker 1: Yeah, that's a long time.
Speaker 2: It's a long time, and I'm you know what, in
Speaker 2: preparing for this interview today. In this episode, it was
Speaker 2: quite a confronting experience I went through. But also I
Speaker 2: had to really explore, like I am, of all the
Speaker 2: people I know, how dangerous is this house, foolish this is,
Speaker 2: and how much stress I'm putting on my family if
Speaker 2: I die without a current will. And I really had
Speaker 2: to sort of see what was going on. And what
Speaker 2: I got down to was two key blocks, and they
Speaker 2: were very much emotional. One was the fact that I
Speaker 2: was frustrated that what I actually want to set up
Speaker 2: for my will isn't actually possible. For example, I have
Speaker 2: one thousand dollars project, and it's a diversified share portfolio.
Speaker 2: It's quite big. It's just under four hundred thousand dollars,
Speaker 2: and all the dividends, well, the equivalent of the dividends
Speaker 2: go to World Vision's one thousand goal project. What I
Speaker 2: wanted to is if something happened to me that that
Speaker 2: portfolio is held in trust and the dividends can continue
Speaker 2: on being paid to World Vision. Apparently that's not possible,
Speaker 2: So I'd have to basically transfer the whole portfolio over
Speaker 2: to a World Vision and they could if they wanted to.
Speaker 2: They were at there is that their discretion as to
Speaker 2: what they did with the portfolio could be sold down,
Speaker 2: which goes against my wishes. So I had that frustration
Speaker 2: that is not what I want. I'm not happy, So
Speaker 2: I didn't want to proceed ahead, and I spoke to
Speaker 2: a few different people who said the same. If someone's
Speaker 2: listening to this and says, actually I know how to
Speaker 2: fix this, please let me know. The other situation was
Speaker 2: I obviously my number one parody is looking after Tom
Speaker 2: Everything happens to me or my children, and my children
Speaker 2: or my children.
Speaker 1: It was not an either or situation. He can look
Speaker 1: after both.
Speaker 2: But I also wanted to make sure that my parents
Speaker 2: were taken care for in my will should they ever
Speaker 2: need to financially independent, separate to me. But I just
Speaker 2: always wanted to have a bit of a backup plan
Speaker 2: that if they have something happened and they needed funds
Speaker 2: or they needed extra help support, I was my estate
Speaker 2: could also take care of them. And again the advice was,
Speaker 2: you're making it too complicated. This is not necessary. And
Speaker 2: so coming to that place of acceptance and realizing sort
Speaker 2: of the complexities of this, I've just really avoided it
Speaker 2: and that's not good enough anymore, and it needs to
Speaker 2: be fixed. So I'm going to be making some phone
Speaker 2: calls today and I feel good about making that decision
Speaker 2: and going, all right, that's enough, like draw a line
Speaker 2: in the sand, like it's selfish what I'm doing and
Speaker 2: what I've done, see and irresponsible.
Speaker 1: It does, though, come from a place you have tried,
Speaker 1: you have attempted it, and you've hit roadblocks. Which is
Speaker 1: my common problem is that as soon as I hit
Speaker 1: a roadblock, it is enough for me to just push
Speaker 1: it away.
Speaker 2: But the thing is, I'm calling it a roadblock, but
Speaker 2: I think that's a lot crap. It just cannot be done.
Speaker 2: It's not a road block. I just need to work
Speaker 2: around it. So it's not an excuse for stopping. I
Speaker 2: just have to accept that that's the And also, you
Speaker 2: want a will to be reasonably clean and transparent and
Speaker 2: not be questioned, and you know, have to go through
Speaker 2: the courts. You want it to be very very clear.
Speaker 2: So I need to stick with waking it clear.
Speaker 1: It will not surprise you to learn will really know
Speaker 1: I do, I do all. I mean, it hadn't been
Speaker 1: updated for fourteen years, so I don't actually think Sean
Speaker 1: and I were married at the time that we that
Speaker 1: we made our wills, and now there's kids and everything
Speaker 1: as different now. But I don't know what it was about.
Speaker 1: Maybe it was knowing that this episode was coming up
Speaker 1: two nights ago. We sat down and went through everything
Speaker 1: in a great amount of detail, and working through it
Speaker 1: with the solicitors now in order to do it, and
Speaker 1: just the knowledge that you have started. It's not finished yet,
Speaker 1: but just the knowledge that it is underway is just
Speaker 1: such a relief.
Speaker 2: And you've got something documented that someone can refer to
Speaker 2: if you're not around to do so that it stipulates
Speaker 2: your ultimately wishes and dreams for all the things you've
Speaker 2: built from doing, from working so hard and being responsible
Speaker 2: with money.
Speaker 1: And honestly, it wasn't as hard as I was expecting.
Speaker 1: I'd built it up in my head to be something
Speaker 1: just so much more intense and so much more convoluted,
Speaker 1: and it doesn't need to be. And the fact is,
Speaker 1: as soon as you start taking some action, the problem
Speaker 1: gets easier.
Speaker 2: The layers kind of fall back, and then the barriers.
Speaker 1: And that's why you use someone like a solicitor, because
Speaker 1: they are able to help you through the bits that
Speaker 1: you find too hard. Right anyway, Okay, it's really become
Speaker 1: a personal kind of counseling session here and now.
Speaker 2: Like a confessional booth.
Speaker 1: Yeah, this is good. This is good where you're going
Speaker 1: to take a quick break. On the other side, I
Speaker 1: want to run through I'm going to give you the
Speaker 1: ultimate much challenge, right. I'm going to go through say
Speaker 1: four or five of the key areas where decisions are
Speaker 1: commonly avoided, right, and you are going to be given
Speaker 1: one minute per area to tell us how to resolve
Speaker 1: the block on that and to get some action in
Speaker 1: place today. Can you do that?
Speaker 2: Yes?
Speaker 1: I can love your confidence. I'm going to be timing you.
Speaker 1: I don't think you can. Okay, quick break back in
Speaker 1: a moment Cana. Today we are talking about the really
Speaker 1: what we're calling the old deal with it later problem.
Speaker 1: Everyone has one, right and we've discussed yours. We've discussed
Speaker 1: one of mine. I can assure you that there are others,
Speaker 1: but I have worked through them all. As a result,
Speaker 1: largely of doing this podcast. You have motivated me to
Speaker 1: get action in place, get things going. So we are
Speaker 1: now going to go through some of the most avoided
Speaker 1: things and in just one minute each you're going to
Speaker 1: tell me how to get started. If this is something
Speaker 1: that someone listening to this is avoiding, superannuation. Sorry, let
Speaker 1: me get my timer going, because I am going to
Speaker 1: crack if we at the time.
Speaker 2: I'm actually going to suggest that the listeners everyone right
Speaker 2: now that has a particular area where they need to
Speaker 2: confront something that they've been putting off, is they set
Speaker 2: a timer themselves. Great idea, and I'm going to suggest
Speaker 2: that they put their phone on aeroplane mode, so now
Speaker 2: I can call them and they go and leave their
Speaker 2: phone in another room and they set a timer for
Speaker 2: ten minutes. We're going to make this a game.
Speaker 1: Okay, all right, than and then they take this and
Speaker 1: then do their own work on that within that ten minutes. Yes, perfect, okay,
Speaker 1: all right, in one minute, How do you get started?
Speaker 1: If you've been putting off your superannuation.
Speaker 2: So log in, check your balance, review the fees, review
Speaker 2: the transactions so you know that you've been paid the
Speaker 2: correct amount and on time, review the investment portfolio, and
Speaker 2: then do a quick search for any missing old superinneration accounts.
Speaker 1: Okay, that was fifteen seconds.
Speaker 2: Yes, I thank you.
Speaker 1: That's very impressive. And this is the thing that I
Speaker 1: suppose every super account now really you're able to access
Speaker 1: it through an app usually online. You can see all
Speaker 1: of these things. You don't need to wait for your
Speaker 1: statement to be mailed to you. You can see your fees,
Speaker 1: you can see your returns, you can see all of it,
Speaker 1: and most importantly, you can see to make sure that
Speaker 1: the contributions that have to be paid by your employer
Speaker 1: are going into your account. Exactly, great starting point.
Speaker 2: Just log in, right, so it's engagement. You know, we're
Speaker 2: not looking to perfect something here. It's about that TLC
Speaker 2: if you're super.
Speaker 1: Okay, that was under one minute. Even with my little contribution.
Speaker 1: Next one, good luck getting this one done in a minute.
Speaker 2: Insurance all right, Checking what cover you already have, which
Speaker 2: includes checking your superannuation because a lot of us have
Speaker 2: life cover, TPT cover, and sometimes even income protection okay,
Speaker 2: Then sitting down and looking at what your biggest financial
Speaker 2: risk is, so often your biggest responsibility, like you know,
Speaker 2: a mortgage is the one that keeps you up at night.
Speaker 2: And then start with the most important personal insurance, and
Speaker 2: that is income protection. So looking at whether you've got it,
Speaker 2: whether what the waiting period is, the benefit period is,
Speaker 2: and then making an appointment seeing insurance broker or financial
Speaker 2: planner to help make sure there's no gaps.
Speaker 1: It's remarkable how much a financial plan it can help
Speaker 1: you with insurance. And I don't think that's well understood
Speaker 1: enough that mostly you think it's investment and everything, but
Speaker 1: insurance there's just so much peace of mind and speaking
Speaker 1: to a professional that can talk you through it, particularly.
Speaker 2: Right now because a lot of people's person insurance policies
Speaker 2: have with everyone's type of insurance policies, they've increased dramatically
Speaker 2: and quite often, assuming you haven't had a change in health,
Speaker 2: often a financial planner can find you a new replacement
Speaker 2: policy to apply for that actually will be better value
Speaker 2: for money. So if anyone whose insurance premiums have gone
Speaker 2: through the roof and they're worried about that, see a
Speaker 2: financial planner because they be able to shop around and
Speaker 2: find you a more competitive premium. But obviously course make
Speaker 2: sure you get them to do it for you, because
Speaker 2: you never want to walk around expose. You never want
Speaker 2: to counsel any policies until you've got a new policy
Speaker 2: in force, but also in writing in force.
Speaker 1: Indeed, that was a minute thirty.
Speaker 2: Sorry, well okay, well it's a cumulative a minute.
Speaker 1: Yeah, okay, all right, that's fine. Yeah, yeah, you can
Speaker 1: use your surplus.
Speaker 2: I do want to say this though, you shouldn't be
Speaker 2: looking to ensure absolutely everything in life, particularly right now
Speaker 2: with everything being so expensive. You want to focus on
Speaker 2: what you can't afford to lose.
Speaker 1: Okay, great tip, investing one minute? How do you This
Speaker 1: is asking you to kind of distill your entire life's
Speaker 1: work into one minute.
Speaker 2: Good luck invest So start small. I don't care if
Speaker 2: it's ten dollars a week. The fact you're getting started
Speaker 2: is so important. But of course, like continue on leveling
Speaker 2: up and focus on the long term growth assets, you know,
Speaker 2: the shares, Australian shares, International shares, property, and then set
Speaker 2: up a regular contribution plan, a regular investment plan that is,
Speaker 2: so it's ten dollars per week, one hundred dollars per month,
Speaker 2: but reviewed on a regular basis. You continue on upping
Speaker 2: the ante. You're doing what you can safely afford, and
Speaker 2: of course make sure those dividends are reinvested automatically.
Speaker 1: Ideally, Okay, that was thirty seconds. You've banked an extra
Speaker 1: thirty seconds for the next one. Credit card debt. If
Speaker 1: you have been putting off dealing with a credit card debt,
Speaker 1: how do you just deal with it? How do you
Speaker 1: do it today?
Speaker 2: All right, stop using your credit card immediately, because at
Speaker 2: least that quarantines the debt. But I also recommend taking
Speaker 2: it off your phones, out of your Apple wallet, taking
Speaker 2: it off your computers, so nothing's automatically saved. That will
Speaker 2: make it so much hardest. You want to create some
Speaker 2: friction between going to buy something and then going and
Speaker 2: having to find your car, because you'll go, oh, you know,
Speaker 2: my coup people are getting up. I'll do this later
Speaker 2: and you'll probably forget about what you're about to purchase,
Speaker 2: which is something I have found myself many times when
Speaker 2: I've delayed paying, add friction, add to the process and
Speaker 2: make it really hard for yourself. For example, what my
Speaker 2: recent hack is to not eat as much chocolate. I
Speaker 2: don't have it in the house, so if I want chocolate,
Speaker 2: I have to get in the car, drive up the road,
Speaker 2: get into the shops, walk around the supermarket, way to
Speaker 2: the checkout, pay well, all of a sudden, don't have
Speaker 2: that chocolate craving as badly. Then of course, listing the balances,
Speaker 2: you know, using my hit list strategy where you focus
Speaker 2: on the smallest debt first and work your way through
Speaker 2: the list to the largest debt that you owe. And
Speaker 2: you know, really making sure that this is a priority
Speaker 2: for you, because there is such a toxic parasite of
Speaker 2: having this type of debt in your life.
Speaker 1: Last one. In one minute, you're already smiling a side hustle.
Speaker 1: If you've got this idea, if you've been wanting to
Speaker 1: do something but you're it off, how do you get
Speaker 1: going today? All right?
Speaker 2: Start with something that you are confident at, you know
Speaker 2: you're really good at, and people often ask you for
Speaker 2: help with you know, you know you've got an immediate
Speaker 2: market there for you. Keep it really simple and just
Speaker 2: focus on being consistent with it, whether it be you know,
Speaker 2: one weekend a month or one weekend a fortnite. Just
Speaker 2: keep on focusing on making that little business idea of
Speaker 2: yours to create that revenue stream that you can then
Speaker 2: put towards your goals and that little bit of extra income. Remember,
Speaker 2: it creates some breathing space in your budget and then
Speaker 2: of course you can build it that momentum o time.
Speaker 2: But again my financial planning hat on put that money
Speaker 2: into a separate savings account. And also don't forget tax
Speaker 2: well done.
Speaker 1: I forgot to start the time on that one. It
Speaker 1: felt dropped the ball there. It felt pretty good. It
Speaker 1: did feel about right.
Speaker 2: Well, you have a slight hustle as being a timekeeper.
Speaker 1: Yeah. Thanks, We were in such a positive place and
Speaker 1: you finished the episode with a very personal sledge I did.
Speaker 2: It was quite vulnerable in this episode.
Speaker 1: No, that was good. It was good. And I think
Speaker 1: that the fact that you have revealed that there is
Speaker 1: this element that everyone does have something that they're putting off. Yeah,
Speaker 1: it's just about action, just start, and as soon as
Speaker 1: you start, things will get easier.
Speaker 2: Listen to Alex Fas I can't say his surname now,
Speaker 2: Alex Whole, Mosey, hole, Mosey Alex. Oh my god, now
Speaker 2: I'm getting tongue tisted. He's brilliant, he's quite wet, controversial,
Speaker 2: he's got quite a polarizing opinion. But you listen to him,
Speaker 2: you will not be putting off anything because the fear
Speaker 2: of God of his opinion.
Speaker 1: If people want to find more information from you, where
Speaker 1: do they get you?
Speaker 2: The best place to reach out to me is on
Speaker 2: Instagram at Sugar Mama TV.
Speaker 1: And you can hear me every day with Sean Aylmer
Speaker 1: on fear and great business news you can use. Thank
Speaker 1: you for listening to how do they afford that? Remember
Speaker 1: to hit follow on the podcast, send a link to
Speaker 1: somebody who you think might benefit from this. And you
Speaker 1: know what, while you're at it, I did you pre
Speaker 1: order a copy of Twelve Months to Financial Freedom, our
Speaker 1: book that is coming out a little bit later this year.
Speaker 1: I'll put a link in the show notes as well.
Speaker 1: Thanks for your company. Join us again next week