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Speaker 1: This episode of CZA is brought to you by Carmex Lipbarm.

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Speaker 2: Sometimes you forget that it's not necessarily about the destination

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Speaker 2: that we're getting to. It's actually about the journey and

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Speaker 2: enjoying that, because if you didn't enjoy the journey, what

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Speaker 2: was the point of getting to this impressive place In

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Speaker 2: the end, You'll never be criticized by someone who is

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Speaker 2: doing more than you. You will only ever be criticized

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Speaker 2: by someone who is doing less.

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Speaker 1: Welcome to the Seize the Ya Podcast. Busy and happy

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Speaker 1: are not the same thing. We too rarely question what

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Speaker 1: makes the heart seeing. We work, then we rest, but

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Speaker 1: rarely we play and often don't realize there's more than

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Speaker 1: one way. So this is a platform to hear and

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Speaker 1: explore the stories of.

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Speaker 3: Those who found lives. They adore the good, bad and ugly.

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Speaker 1: The best and worst day will bear all the facets

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Speaker 1: of seizing your Yea. I'm Sarah Davidson or a spoonful

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Speaker 1: of Sarah, a lawyer turned entrepreneur whos whapped the suits

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Speaker 1: and heels to co found matcha Maiden and matcha Milkbar.

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Speaker 3: CZA is a series.

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Speaker 1: Of conversations on fire dading a life you love and

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Speaker 1: exploring the self doubt, challenge, joy and fulfillment along the way.

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Speaker 3: I feel like a big part of the.

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Speaker 1: Neighborhood will already know today's guest quite well, but in

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Speaker 1: case you don't, Victoria Divine is someone you must get

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Speaker 1: acquainted with if you're interested in financial freedom without skimping

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Speaker 1: on the fun stuff, so basically everyone ever. Victoria is

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Speaker 1: a multi award winning financial advisor and creator of She's

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Speaker 1: on the Money, Australia's number one finance podcast and seventh

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Speaker 1: biggest of all podcasts in the country, who is revolutionizing

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Speaker 1: the way millennials think about money. If you're anything like me,

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Speaker 1: you may have grown up thinking money, along with religion

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Speaker 1: and politics, is a topic never to be discussed at

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Speaker 1: the table. But you may have also found that quite

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Speaker 1: disempowering and an obstacle to actually learning how to build wealth,

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Speaker 1: invest and safeguard your future. Enter Victoria and her unique

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Speaker 1: ability to demystify and translate otherwise intimidating financial concepts to

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Speaker 1: make them accessible, non judgmental, and I know it sounds

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Speaker 1: crazy but fun. She's on the Money covers everything from

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Speaker 1: game changing budgeting templates to changing your money story and

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Speaker 1: from debt or insurance to even planning financially for children,

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Speaker 1: from a Facebook group to a podcast to a brand new,

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Speaker 1: comprehensive book published just this week under the same name.

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Speaker 1: She's on the Money is the ultimate millennial money guide

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Speaker 1: that I cannot recommend for the neighborhood more highly.

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Speaker 3: Now.

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Speaker 1: I did make sure to grab some practical takeaways for

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Speaker 1: the aighborhood in this episode while we had a multi

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Speaker 1: award winning financial advisor with us. But the book is

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Speaker 1: so comprehensive and quite life changing actually, and I know

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Speaker 1: you all grab a copy, so, like you know, I

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Speaker 1: love to do. I use most of this episode to

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Speaker 1: chat about things that aren't captured in its pages. I

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Speaker 1: was actually lucky enough to meet Victoria a few chapters

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Speaker 1: before She's on the Money or sees thea had begun,

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Speaker 1: and her way to EA is such a valuable reminder

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Speaker 1: that the pathway to passion and purpose is far from linear.

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Speaker 1: So I love spending quite a lot of time there because,

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Speaker 1: as she says, and you'll hear quite soon, Victoria shares

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Speaker 1: a lot in this episode that she hasn't shared before.

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Speaker 1: She in fact didn't even start out in finance at all.

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Speaker 3: With so many.

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Speaker 1: Steps in her staircase before finding her yeay with shees

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Speaker 1: on the Money. I hope you guys learn as much

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Speaker 1: from this one as I did. Victoria, Welcome to the

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Speaker 1: show and.

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Speaker 3: Hi, Hello, how are you?

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Speaker 1: Oh my gosh, it's been so lovely to see your face.

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Speaker 1: We've guys been chatting for about twenty minutes before we

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Speaker 1: actually started chatting about actual podcast things.

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Speaker 2: Yeah, we're not very good at this whole get to

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Speaker 2: the work thing Alie.

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Speaker 1: Well, as you know, before we kick off, I start

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Speaker 1: every episode by asking what the most down to worth

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Speaker 1: thing is about you to break the ice, particularly when

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Speaker 1: we put our guests on a pedestal and you said

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Speaker 1: it so well yourself in the new book, She's on

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Speaker 1: the Money book that we often think of you as,

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Speaker 1: you know, the elusive oracle of saving and you've made

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Speaker 1: Forbes thirty under thirty this year. You're right up there

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Speaker 1: on a pedestal for me, so it's wild. Can you

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Speaker 1: break the eyes and just remind us that you're a

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Speaker 1: normal human?

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Speaker 2: I am so normal it is not funny. In fact,

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Speaker 2: I wasn't even sure what to tell you, because I

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Speaker 2: am a very big listener of your podcast obviously, But

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Speaker 2: I knew you were going to ask this question, and

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Speaker 2: I kept being like, what am I going to say?

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Speaker 2: But in our conversation before you were like, oh my gosh,

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Speaker 2: I wish we had been recording this. So I guess

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Speaker 2: I'll just retell this story of how everybody thinks I'm

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Speaker 2: this polished human because you know, she's on the money.

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Speaker 2: Profile definitely has some beautiful pictures. We've got a gorgeous photographer, Miranda,

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Speaker 2: who always makes us look like our best selves. But

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Speaker 2: me in real life, if you came into the office,

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Speaker 2: it's very likely that there are at least six empty

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Speaker 2: coffee cups that have arguably been sitting on my desk

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Speaker 2: for a week, which is not a good thing. That

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Speaker 2: is not a bragging right, Like my team literally always

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Speaker 2: like Victoria, yeah that's disgusting, and I'm like, I don't

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Speaker 2: even care. And I don't wear shoes very often in

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Speaker 2: the office, Like obviously, if I'm having a photo shooter,

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Speaker 2: if I'm going on socials or I'm going to see

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Speaker 2: a client, yeah, I'll definitely put on a nice pair

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Speaker 2: of shoes. I adore shoes, but good luck trying to

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Speaker 2: get me in them at my desk, so I feel

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Speaker 2: like I genuinely would just say I am incredibly normal.

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Speaker 2: I am incredibly down to earth. My favorite things are

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Speaker 2: my oat latte in the morning with my partner walking

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Speaker 2: my dog, where I look like I've just rolled out

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Speaker 2: of bed because I don't want to get ready first

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Speaker 2: thing in the morning, and you know, maybe you wouldn't

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Speaker 2: even notice me. You'd walk past me and be like, oh,

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Speaker 2: she was a mess. I hope she's having a better

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Speaker 2: day later. But yeah, I think I'm relatively down to earth.

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Speaker 2: And something that my team actually say very often is like,

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Speaker 2: oh my gosh, Victoria, if only the internet knew the

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Speaker 2: real you.

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Speaker 3: I love.

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Speaker 1: I love like revealing that side of you, the actual

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Speaker 1: real you. That everyone would be like, you know that

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Speaker 1: you would be mortified if it came out, but that

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Speaker 1: makes us all.

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Speaker 2: It wouldn't be though, Like I've got nothing to hide,

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Speaker 2: and you know, like, if you want to see more

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Speaker 2: of that, go follow all my team members on Instagram

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Speaker 2: because they actually film me half the time and put

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Speaker 2: it on their Instagrams because they genuinely find it really amusing.

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Speaker 2: I've got no shame, my friends.

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Speaker 1: What about something financially relatable about you? Because you are

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Speaker 1: the elusive oracle of saving. I have it in my

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Speaker 1: mind that you never make a bad financial decision or

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Speaker 1: you never do anything that's you know, other people might

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Speaker 1: seem I think is wasteful or like indulge in, but

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Speaker 1: I love Oh my.

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Speaker 2: Gosh, are you very joking. I'm the pinnacle of do

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Speaker 2: as I say, not as I do. Like I would

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Speaker 2: be honestly embarrassed if you guys saw some of my

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Speaker 2: spending habits and just I could absolutely tighten up. And

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Speaker 2: you know, there's never a good excuse. You know, you

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Speaker 2: always should be caring about future and putting it first.

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Speaker 2: But given how busy I am, and that's again never

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Speaker 2: an excuse. I am very good at uber Eat. It's

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Speaker 2: very good at fast food, like not McDonald's and stuff,

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Speaker 2: but just take away. Like the amount of Assaye balls

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Speaker 2: that I buy on uber Eats is wild, and I'm

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Speaker 2: not mad about it because I know that that's the

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Speaker 2: way that I'm still nourishing myself and still looking after

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Speaker 2: my body and making sure that I'm not just eating

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Speaker 2: junk all the time. But it's getting a little bit

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Speaker 2: out of hand.

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Speaker 1: But that is the greatest thing about you, I reckon

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Speaker 1: That's the greatest thing about the podcast and the book

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Speaker 1: and your overall approach to you know, financial health and

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Speaker 1: the way that we manage our life for future us

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Speaker 1: is that it's so flexible and you make time for

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Speaker 1: the things that make you happy, Like you're very much

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Speaker 1: like you don't always have to make only sensible decisions.

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Speaker 1: You know, you can do your oat late in the morning.

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Speaker 3: That makes you very happy. You know.

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Speaker 1: It's not like you have to be sensible all the time.

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Speaker 1: It's just you have to work around the things that

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Speaker 1: are priorities for you. I love that because then I

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Speaker 1: feel less guilty when I'm like, oh, that fit's okay.

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Speaker 3: Then no.

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Speaker 2: And I think that that's a really common misconception maybe

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Speaker 2: about us, because I know other financial advisors do follow

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Speaker 2: or subscribe to this notion that you need to cut

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Speaker 2: out all unnecessary spending. And you know, if you cut

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Speaker 2: back your coffee, Sarah, oh my gosh, you could save

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Speaker 2: nearly two thousand dollars in one year. That's ridiculous. Like

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Speaker 2: that is what makes me happy. That is what sparks

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Speaker 2: my joy. That is what you know, I really value,

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Speaker 2: and I don't want to change those things. I don't

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Speaker 2: want somebody to pry away the joy from my life

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Speaker 2: and the little things that we have. So I just

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Speaker 2: don't subscribe to the notion that somebody else can dictate

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Speaker 2: to you how you spend your money. What I want

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Speaker 2: is people to just understand what their own values are

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Speaker 2: so that their money flows in relation to that. I

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Speaker 2: don't want you to miss out, but I also want

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Speaker 2: you to be really aware of where your money is going,

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Speaker 2: because more often than not, let's use me as an example,

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Speaker 2: more often than not, your money isn't actually flowing in

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Speaker 2: line with your values unless you sit down and make

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Speaker 2: a plan for it. Like do I value uber its?

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Speaker 2: Absolutely not. I wish I took my lunch to work

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Speaker 2: every single day, But my money and my money story

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Speaker 2: and my you know, my budget right now would tell

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Speaker 2: you that I really do value uberts when that's not

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Speaker 2: actually the reality, and I need to shift. That's not

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Speaker 2: saying it's bad. There's no such thing as bad when

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Speaker 2: it comes to money. It's just more do you want

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Speaker 2: to do that or do you want to do something else?

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Speaker 2: Like have you not got a bigger goal? And like,

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Speaker 2: yes I do, but am I currently prioritizing it? No?

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Speaker 2: And that's silly by future me like, I'm not putting

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Speaker 2: myself first by spending that way, and that's why I'm

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Speaker 2: really aware of it. I'm not saying cut back on

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Speaker 2: spending because that doesn't make anybody happy and it's not sustainable.

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Speaker 2: No one wants that.

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Speaker 3: No one does want that.

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Speaker 1: Well, I think one of the reasons I'm so excited

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Speaker 1: to dive into this episode in particular, And as you know,

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Speaker 1: the first section that we.

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Speaker 3: Will go through is your Way to YEA.

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Speaker 1: So how you got to this position of knowing what

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Speaker 1: your passion is and knowing what you want to teach

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Speaker 1: people and the best way to do that, and you

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Speaker 1: are doing it's so incredibly well to millions of Australians.

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Speaker 1: But what I'm excited about is that our friendship is

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Speaker 1: one of those that really epitomizes the idea that life

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Speaker 1: does unravel in chapters, given that we met a few

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Speaker 1: chapters ago for both of us, and the things that

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Speaker 1: we're passionate about and that we wake up full of

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Speaker 1: purpose and drive for didn't exist when we first met

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Speaker 1: each other. Yeah, so while you know she's on the money,

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Speaker 1: makes so much sense. Now is your big mission and vision?

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Speaker 1: You're a wonderful example that you didn't wake up like that.

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Speaker 1: You didn't even wake up in finance. You know, that

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Speaker 1: wasn't even your first career. It takes a lot of

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Speaker 1: little steps to build up to the thing that later

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Speaker 1: is crystal clear, is like why you ended up there.

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Speaker 1: The dots often only connect a lot, you know, further

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Speaker 1: down the track. And as you always say on your podcast,

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Speaker 1: you can do everything, but not all at once.

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Speaker 2: Yeah, so true, And I think it's so one of

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Speaker 2: those things. Sometimes you go through things and you don't

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Speaker 2: realize how beneficial it is for you until you've actually

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Speaker 2: come through to the other side and you can see,

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Speaker 2: oh my gosh, that taught me so much, even though

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Speaker 2: it was a terrible experience at the time, or you

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Speaker 2: really weren't enjoying it. And you know, I talk to

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Speaker 2: people all the time like, oh, I wish I was

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Speaker 2: in your position where I get to do something that

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Speaker 2: I love every single day, and I'm like, oh, yeah,

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Speaker 2: But like I've been in the position where I didn't

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Speaker 2: even know what I wanted to do as my next step,

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Speaker 2: and I had, I would say, a crisis when I

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Speaker 2: realized I didn't want to be in psychology anymore. And

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Speaker 2: you know, talking back on it, it sounds like a

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Speaker 2: really beautiful story, right, it sounds like this, Oh, the

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Speaker 2: flow of her career has been so dreamy and easy

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Speaker 2: in you know, those logical steps exist, but at the

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Speaker 2: time I felt like I'd wasted my university degrees and

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Speaker 2: what was I doing? And why have I even gone

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Speaker 2: down this path? And like this is so silly. I

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Speaker 2: don't fit here. And yeah, I think that that's the

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Speaker 2: side of things that people don't talk about, which is

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Speaker 2: really important to talk about, because we don't always see

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Speaker 2: that clarity in the moment. We only see it looking

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Speaker 2: back on it. And I don't know what's next. I

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Speaker 2: don't know what's coming up. But I think that my

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Speaker 2: journey has taught me that it's actually okay to sometimes

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Speaker 2: not know and okay to just dabble and test and

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Speaker 2: see if it works and you know, have a good

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Speaker 2: time along the way, because sometimes you forget that it's

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Speaker 2: not necessarily about the destination that we're getting to. It's

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Speaker 2: actually about the journey and enjoying that, because if you

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Speaker 2: didn't enjoy the journey, what was the point of getting

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Speaker 2: to this impressive place in the end.

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Speaker 1: Absolutely, and also that even though now, in this chapter

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Speaker 1: of your life, this is the ultimate destination that all

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Speaker 1: the dots so far have led you towards. I think

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Speaker 1: it's also important that you acknowledge that this isn't the

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Speaker 1: end destination.

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Speaker 3: This is just the.

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Speaker 1: Iteration of your joy and your passion and your skills

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Speaker 1: and them all intersecting right now. But in two years,

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Speaker 1: three years time, we could jump on a podcast again

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Speaker 1: together and we both be doing completely different things, Which

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Speaker 1: is why this section is I spend a lot of

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Speaker 1: time on how you got here to remind everyone that

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Speaker 1: if they're not where you are, that's okay, maybe they're

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Speaker 1: not meant to be, Maybe they're ten steps beforehand, and

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Speaker 1: that you too had to start right back at the

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Speaker 1: very beginning. So can you take us back to young Victoria,

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Speaker 1: what it was like at Padua College in Mornington, You know,

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Speaker 1: what was your first job and your first idea of

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Speaker 1: what you thought you would want to be, and how

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Speaker 1: did you choose psychology and kind of take us through.

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Speaker 1: I think what's really interesting is when people start to

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Speaker 1: agitate for change, how do you know the signs that

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Speaker 1: something maybe isn't working for you? When you have gone

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Speaker 1: down a particular pathway for quite a while, and then

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Speaker 1: it's hard to know what the signs are that maybe

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Speaker 1: you need a shift. So yeah, take us through those

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Speaker 1: early years in that first career.

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Speaker 2: Ah, it is such a long story, and you know,

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Speaker 2: I think it's actually a really relatable one if you

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Speaker 2: go back to school. I don't think I had a

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Speaker 2: very good school experience. I was really bullied. I didn't

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Speaker 2: enjoy it. I had, you know, I had some really

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Speaker 2: good friends and I've still got those friends. So I

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Speaker 2: wasn't completely on my own. But you know, as a

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Speaker 2: teenager it often feels that way. And you know I

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Speaker 2: was good academically, and I guess that's what you know,

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Speaker 2: didn't hold me back, but you know it makes you

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Speaker 2: feel like you're not the cool kid, and you're always

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Speaker 2: trying to fit in. And you know, I was really

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Speaker 2: good at maths, and I was really good at science,

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Speaker 2: and I adored biology, and you know, I was often

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Speaker 2: a teacher's favorite, just because I would ask lots of

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Speaker 2: questions and always be really interested because learning has always

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Speaker 2: been something that one I've been really good at, but

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Speaker 2: two I'm just interested in like I don't want to

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Speaker 2: know the answer, I actually want to know how we

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Speaker 2: got there. And I guess, you know, I had a

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Speaker 2: maths teacher that really didn't like me and got really

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Speaker 2: frustrated because in year eleven and twelve I did specialist

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Speaker 2: and specialist maths is a lot more formula than it

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Speaker 2: is times tables. I guess to summarize it, right, it's

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Speaker 2: less simple maths and more complex formula. And I would

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Speaker 2: not be able to understand the formula until I understood

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Speaker 2: where I could apply it and how it would work.

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Speaker 2: And I remember this teacher being so frustrated with me

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Speaker 2: because everybody else would just read the textbook and you know,

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Speaker 2: understand it, and I just couldn't comprehend the formula until

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Speaker 2: she said, okay, well this is how you'd apply it

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Speaker 2: to a mini setting, or this is what that means,

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Speaker 2: or this is where X actually comes from, and that

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Speaker 2: would really help me. So for me, my learning needs

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Speaker 2: to be really contextual. I need to understand it. So

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Speaker 2: she didn't particularly like me, and in fact, I would

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Speaker 2: say that I was somewhat bullied by that teacher. My

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Speaker 2: parents had to get involved and I got moved out

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Speaker 2: of her class because of that, And I guess that

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Speaker 2: really deflates you in a way because I didn't have

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Speaker 2: somebody who had my back in you know, I would

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Speaker 2: say that I do come across as quite intelligent now,

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Speaker 2: but it made me feel really silly because she used

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Speaker 2: to tell me like, oh, if you're going to keep

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Speaker 2: doing this, seal amount to nothing and things like that,

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Speaker 2: which is really horrendous from a teacher when teachers are

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Speaker 2: meant to support you. So I guess this isn't the

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Speaker 2: experience people would assume I had, because they would be like, oh,

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Speaker 2: she would have flown through school, and that's just not

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Speaker 2: the case. In fact, in year eleven and twelve, I

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Speaker 2: missed a lot of school. I was struggling with feeling

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Speaker 2: really flat. But I also had a pretty serious eating

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Speaker 2: disorder during school as well, one that I was hospitalized

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Speaker 2: for a number of times. And it's totally okay, and

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Speaker 2: I'm so happy to talk about it because I think

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Speaker 2: this context is really important for people, especially on a

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Speaker 2: podcast like yours, to understand that I haven't come from

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Speaker 2: a place where it's always just been really easy. It's

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Speaker 2: always been a bit of a struggle. And I think

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Speaker 2: that the thing that I'm most proud of myself is

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Speaker 2: is my tenacity, and I always get back up, and

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Speaker 2: I go, no, I can absolutely do this, like I

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Speaker 2: don't need somebody else's validation to make sure that happens.

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Speaker 2: And I wasn't experiencing and eating disorder because I wanted

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Speaker 2: to be skinny or pretty or any of those things.

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Speaker 2: It was actually an outcome of me wanting to feel

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Speaker 2: more in control of a situation because you know, going

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Speaker 2: through school, you just don't feel as in control as

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Speaker 2: you can. And so mine ruminated into that, and you know,

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Speaker 2: I'm absolutely well and truly recovered. In fact, I look

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Speaker 2: back and go, who was that person? Like, I'm such

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Speaker 2: a foodie now and I enjoy food and there's no

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Speaker 2: issues there at all, which I'm really grateful for because

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Speaker 2: I know a lot of people sometimes don't lose that.

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Speaker 2: So that experience really led me down a path of,

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Speaker 2: you know, I guess, realizing things and enlightenment and being

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Speaker 2: enlightened and wanting to learn more about psychology because I

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Speaker 2: had a really good psychologist and I felt like in

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Speaker 2: that moment I could do that for people too, So

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Speaker 2: psychology was the next step. Because I've always been someone

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Speaker 2: that wants to help others, like that would be the

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Speaker 2: underlying thing for every career that I've ever had is

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Speaker 2: can I help other people? Because that's where I get

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Speaker 2: my joy. Like I get joy out of teaching, I

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Speaker 2: get joy out of, you know, knowing that you're in

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Speaker 2: a better position having crossed my path. And you know,

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Speaker 2: psychology was always something that really enabled me to do that.

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Speaker 2: So I started studying that and just thought, wow, this

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Speaker 2: is so interesting and there's lots of biology in that

378
00:17:51,480 --> 00:17:53,800
Speaker 2: you get to, you know, do a lot of study

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Speaker 2: and understand how the brain functions. And then I remember

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Speaker 2: getting to third year of psych and that's the life

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Speaker 2: last year of your undergraduate degree, and I did a

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Speaker 2: placement and I hated it.

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Speaker 3: I couldn't know.

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Speaker 2: I was such a good learner and adored university, but

385
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Speaker 2: I could not get my head around the fact that

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Speaker 2: what do you mean like this is going to be

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Speaker 2: the job?

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Speaker 1: Like I took this is how it translates what this

389
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Speaker 1: is awful?

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Speaker 2: And I took everything home. So I was definitely not

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Speaker 2: very good at psychology. And I think that takes a

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Speaker 2: really special Sorry, Lucy, that is not yours. Give me

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Speaker 2: two seconds.

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Speaker 1: Sorry, Oh my god, don't be I'm definitely living this

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Speaker 1: in just saying Lucy is the sheeperdoodle. Just fi to

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Speaker 1: everyone because I'm not cutting that out because that was amazing.

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Speaker 2: Sorry. She just went into my bathroom and I've left

398
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Speaker 2: one of the drawers open, and she had literally a

399
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Speaker 2: mouthful of silk scrunchies and she was running out of

400
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Speaker 2: my office with them, and I was like, no, Satan,

401
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Speaker 2: not today today, Oh my god, and the silk.

402
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Speaker 1: It's like, can you just get my cotton shitty scrunchy one,

403
00:19:07,119 --> 00:19:07,760
Speaker 1: my silk one?

404
00:19:07,800 --> 00:19:08,480
Speaker 3: You are told?

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00:19:08,560 --> 00:19:11,840
Speaker 2: Yes, she had three of them, So thank you, Lucy.

406
00:19:12,320 --> 00:19:15,040
Speaker 2: Where was I I was telling you about how psychology

407
00:19:15,240 --> 00:19:18,800
Speaker 2: was not my cooling anyway. I would take everything home

408
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Speaker 2: and I just felt like I wasn't the right person

409
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Speaker 2: for that. And I genuinely believe it takes a really

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Speaker 2: special person to work in psychology and be able to

411
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Speaker 2: separate themselves. But I wasn't able to do that, and

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Speaker 2: it really impacted me, like my emotional energy would be

413
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Speaker 2: so flat. At the end of the day. I'd go

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Speaker 2: home and just ruminate on the stories that i'd heard.

415
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Speaker 2: And you know, now, I'm much better at that, But

416
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Speaker 2: as a twenty one, twenty two year old, I can't

417
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Speaker 2: remember how old I was, but about then it's a

418
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Speaker 2: lot to carry. I'm very lucky in that I've never

419
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Speaker 2: experienced serious trauma, so I couldn't relate to a lot

420
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Speaker 2: of these stories, especially at such a young age where

421
00:19:58,359 --> 00:20:00,520
Speaker 2: I didn't have a lot of life fixed. So I

422
00:20:00,560 --> 00:20:04,040
Speaker 2: have beautiful parents who brought me up and obviously experienced

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Speaker 2: some stuff, but none of it was seriously traumatic, and

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Speaker 2: so hearing those stories, I was always like wow, Like

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Speaker 2: I just wanted to pick these people up and take

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Speaker 2: them out of those situations. But that's not what psychology

427
00:20:15,680 --> 00:20:18,880
Speaker 2: is about. It's helping them deal with those situations. Anyway,

428
00:20:19,680 --> 00:20:22,280
Speaker 2: kind of hit a crisis point and realized that wasn't

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Speaker 2: for me, and thankfully I was surrounded by a lot

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Speaker 2: of really supportive people, and one of them said, I

431
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Speaker 2: think you want to be in organizational psychology. I was like,

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Speaker 2: what is that. I've literally never heard of it. I've

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Speaker 2: been doing psych for three years. Anyway, did my research.

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Speaker 2: Organizational psychology is the science of people at work and

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00:20:41,840 --> 00:20:45,679
Speaker 2: it is all about culture and engagement and improving work

436
00:20:45,760 --> 00:20:48,159
Speaker 2: life balance for people, and I was like, oh, I

437
00:20:48,200 --> 00:20:52,760
Speaker 2: could totally get around that. So, without having any experience

438
00:20:52,800 --> 00:20:55,879
Speaker 2: in it, I enrolled in an honors program at a

439
00:20:55,920 --> 00:21:01,639
Speaker 2: different university, doing an organizational psyche thesis and doing my

440
00:21:02,240 --> 00:21:04,400
Speaker 2: honors year in that because I was just like, yep,

441
00:21:04,440 --> 00:21:07,879
Speaker 2: that seems to be the only logical answer, obviously. And

442
00:21:07,920 --> 00:21:10,600
Speaker 2: I went and I got an internship in the space

443
00:21:10,640 --> 00:21:16,000
Speaker 2: and started to love that and culture is it's so important, obviously,

444
00:21:16,040 --> 00:21:19,080
Speaker 2: That's what's going to help you enjoy a job, whether

445
00:21:19,160 --> 00:21:22,000
Speaker 2: you like the actual job semantics or not. And I

446
00:21:22,160 --> 00:21:25,320
Speaker 2: really liked having an impact and working in a space

447
00:21:25,359 --> 00:21:28,080
Speaker 2: where I could help senior leaders, you know, go to

448
00:21:28,119 --> 00:21:30,760
Speaker 2: the next level. It was never about fixing things in

449
00:21:30,800 --> 00:21:33,159
Speaker 2: the way that I felt psychology was, but it was

450
00:21:33,200 --> 00:21:35,520
Speaker 2: more about, you know, empowering them to take the next

451
00:21:35,520 --> 00:21:38,159
Speaker 2: step and talking about, you know, the next thing in

452
00:21:38,200 --> 00:21:40,040
Speaker 2: their job, or you know, what do you want to

453
00:21:40,080 --> 00:21:42,560
Speaker 2: achieve or you know, have you got imposter syndrome? And

454
00:21:42,600 --> 00:21:46,480
Speaker 2: would always just I loved those conversations, and so did

455
00:21:46,520 --> 00:21:48,000
Speaker 2: my honors year. And I went and I got a

456
00:21:48,000 --> 00:21:50,840
Speaker 2: grad job in all psych and I was very lucky

457
00:21:50,920 --> 00:21:53,320
Speaker 2: to get it because I was the youngest one on

458
00:21:53,400 --> 00:21:56,080
Speaker 2: the team. And I started being a consultant and I

459
00:21:56,119 --> 00:21:58,879
Speaker 2: went out to organizations and you know, I worked in

460
00:21:58,920 --> 00:22:01,240
Speaker 2: a team it wasn't just me being sent out as

461
00:22:01,240 --> 00:22:02,320
Speaker 2: a grad A promise you.

462
00:22:03,160 --> 00:22:05,320
Speaker 3: Hi, I'm brand new. Let me change everything.

463
00:22:05,440 --> 00:22:08,879
Speaker 2: Yeah, Hi, I would love to measure the engagement of

464
00:22:08,920 --> 00:22:13,440
Speaker 2: your community or your your business. I have no experience,

465
00:22:13,480 --> 00:22:16,360
Speaker 2: but hi. Anyway, So it was kind of a grad role,

466
00:22:16,480 --> 00:22:18,040
Speaker 2: kind of not a grad role. It was like the

467
00:22:18,080 --> 00:22:21,040
Speaker 2: next step because they didn't have grad roles. And I

468
00:22:21,080 --> 00:22:25,280
Speaker 2: loved it, but I kept coming into this situation where

469
00:22:25,600 --> 00:22:28,159
Speaker 2: I'd only studied psychology, but I'd go and meet with

470
00:22:28,240 --> 00:22:30,040
Speaker 2: a team of people in a business who worked in

471
00:22:30,080 --> 00:22:33,280
Speaker 2: accounting that'd be like, what's accounting? I don't get it,

472
00:22:33,920 --> 00:22:37,240
Speaker 2: Or people who were from the marketing department, and I'd

473
00:22:37,240 --> 00:22:39,800
Speaker 2: be like, I also don't get your work experience because

474
00:22:39,800 --> 00:22:43,040
Speaker 2: I didn't know genuinely, I didn't know what work they did,

475
00:22:43,640 --> 00:22:45,960
Speaker 2: and they kept coming up with questions for me that

476
00:22:46,040 --> 00:22:47,880
Speaker 2: I just felt really stumped on. So when it came

477
00:22:47,880 --> 00:22:50,879
Speaker 2: to culture and engagement, I'd be, you know, across it

478
00:22:50,920 --> 00:22:53,960
Speaker 2: because I'd studied it and fully comprehended it. But people

479
00:22:53,960 --> 00:22:56,680
Speaker 2: would often say, oh, Victoria, it's not my work that's

480
00:22:56,720 --> 00:22:59,680
Speaker 2: stressing me. It's that I don't have enough money. It's

481
00:22:59,720 --> 00:23:02,280
Speaker 2: on my wife is pregnant and we just don't know

482
00:23:02,280 --> 00:23:04,359
Speaker 2: how we're going to afford it because we hadn't planned

483
00:23:04,400 --> 00:23:07,480
Speaker 2: for this, or oh, my mortgage repayments are getting us down.

484
00:23:07,520 --> 00:23:10,040
Speaker 2: Don't worry. My engagements not because of that. It's because

485
00:23:10,040 --> 00:23:12,520
Speaker 2: I've got a lot going on at home and money

486
00:23:12,600 --> 00:23:15,960
Speaker 2: at that point started to become this really big underlying

487
00:23:16,119 --> 00:23:18,479
Speaker 2: theme in my life that I didn't feel like I

488
00:23:18,560 --> 00:23:22,320
Speaker 2: understood or had control of. So during this time, also

489
00:23:22,359 --> 00:23:27,080
Speaker 2: because I didn't understand the different segments of business in

490
00:23:27,240 --> 00:23:30,679
Speaker 2: typical Victoria fashion, wanted to study more. So I enrolled

491
00:23:30,680 --> 00:23:31,520
Speaker 2: in my MBA.

492
00:23:32,320 --> 00:23:33,800
Speaker 3: Is that when you started your MBA.

493
00:23:34,240 --> 00:23:36,959
Speaker 2: I started my MBA when I was twenty one and

494
00:23:37,040 --> 00:23:38,879
Speaker 2: I finished it at twenty three.

495
00:23:39,160 --> 00:23:40,000
Speaker 3: Of course you didn't.

496
00:23:40,440 --> 00:23:42,360
Speaker 2: Yeah, absolutely, of course I did.

497
00:23:42,640 --> 00:23:45,320
Speaker 1: It's really normal, guys, so normal, And I love that

498
00:23:45,440 --> 00:23:47,399
Speaker 1: with your other degree, you know, the one before that,

499
00:23:47,440 --> 00:23:49,560
Speaker 1: You're like, I just want to step my toe into auxite.

500
00:23:49,600 --> 00:23:52,000
Speaker 1: So I'm going to do like a full thesis. Yeah,

501
00:23:52,480 --> 00:23:54,240
Speaker 1: I just kind of dip my toe in a little bit.

502
00:23:54,440 --> 00:23:58,880
Speaker 2: I'm definitely I go hard or go home by the person. So, yeah,

503
00:23:58,880 --> 00:24:02,720
Speaker 2: I started my MBA and got to study finance, So

504
00:24:02,760 --> 00:24:07,000
Speaker 2: I did my nagerial finance. I did managerial accounting and thrived, like,

505
00:24:07,320 --> 00:24:11,240
Speaker 2: loved it. Could not understand why I hated times tables

506
00:24:11,280 --> 00:24:13,800
Speaker 2: so much, could not you know what I mean? Like,

507
00:24:13,880 --> 00:24:17,919
Speaker 2: I just was so suok. The impact of finance was

508
00:24:18,040 --> 00:24:22,120
Speaker 2: so profound for me, And yeah, I started loving that

509
00:24:22,280 --> 00:24:24,760
Speaker 2: and dabbling in that. And at that point, at this

510
00:24:24,920 --> 00:24:26,960
Speaker 2: job where I was working in orgsy, like, I had

511
00:24:26,960 --> 00:24:30,280
Speaker 2: this client who was a financial advisor, and every day

512
00:24:30,359 --> 00:24:32,480
Speaker 2: he used to say, like every day that I worked

513
00:24:32,520 --> 00:24:34,600
Speaker 2: with him, he'd be like, you'd be a great advisor,

514
00:24:34,760 --> 00:24:37,440
Speaker 2: Like consider it, Like You'd be so much better at

515
00:24:37,440 --> 00:24:39,359
Speaker 2: that than this. And I'd always be like, that is

516
00:24:39,560 --> 00:24:42,800
Speaker 2: literally the worst job I can think of, Like who

517
00:24:43,119 --> 00:24:46,879
Speaker 2: would want to be a financial advisor? So obviously I

518
00:24:46,920 --> 00:24:48,560
Speaker 2: pushed it off and pushed it off. I had no

519
00:24:48,680 --> 00:24:52,239
Speaker 2: interest in entertaining this. And you know, after studying it

520
00:24:52,280 --> 00:24:54,960
Speaker 2: and really feeling like I understood it and becoming a

521
00:24:55,000 --> 00:24:57,480
Speaker 2: bit disengaged myself in the role that I was in

522
00:24:57,520 --> 00:24:59,800
Speaker 2: because I just felt like I wasn't having the impact

523
00:24:59,840 --> 00:25:02,200
Speaker 2: I I wanted to have. I kind of just took

524
00:25:02,240 --> 00:25:04,720
Speaker 2: the plunge and said, all right, I'm going to quit anyway,

525
00:25:04,840 --> 00:25:07,479
Speaker 2: i'd actually just moved roles to a new job. I'd

526
00:25:07,560 --> 00:25:10,840
Speaker 2: gone from consulting to being internal at was actually at

527
00:25:10,840 --> 00:25:14,480
Speaker 2: a university, and I didn't like it at all. The

528
00:25:14,600 --> 00:25:19,840
Speaker 2: team were not good, the culture was awful. I realized that,

529
00:25:20,080 --> 00:25:22,479
Speaker 2: you know, in this role, I was never going to

530
00:25:22,520 --> 00:25:24,960
Speaker 2: have an impact because there was just too many hoops

531
00:25:25,000 --> 00:25:28,240
Speaker 2: to jump through and you know, very much a culture

532
00:25:28,280 --> 00:25:30,440
Speaker 2: of but this is the way it's always been done,

533
00:25:30,440 --> 00:25:33,040
Speaker 2: and I just don't end here or you know, subscribe

534
00:25:33,080 --> 00:25:35,800
Speaker 2: to that notion at all. So I think I was

535
00:25:35,840 --> 00:25:38,159
Speaker 2: in that job for just over six months when I

536
00:25:38,160 --> 00:25:40,160
Speaker 2: said I can't do this, Like I wanted to meet

537
00:25:40,160 --> 00:25:43,000
Speaker 2: probations so that I didn't look like i'd not met it,

538
00:25:43,040 --> 00:25:45,600
Speaker 2: because I was definitely an achievement based person and I

539
00:25:45,600 --> 00:25:47,159
Speaker 2: was like, oh, I don't want people to think that.

540
00:25:47,240 --> 00:25:49,919
Speaker 2: So I think just over six months I said, you

541
00:25:49,960 --> 00:25:52,000
Speaker 2: know what, anything would be better than this, And I

542
00:25:52,040 --> 00:25:56,959
Speaker 2: started doing finance and started a role there, and obviously

543
00:25:57,080 --> 00:25:59,119
Speaker 2: you have to be certified to do that. So I

544
00:25:59,200 --> 00:26:02,560
Speaker 2: went and i'd finished my MBA, so I jumped into

545
00:26:02,600 --> 00:26:07,760
Speaker 2: doing financial advice and I did my Diploma of Financial Planning,

546
00:26:08,400 --> 00:26:11,560
Speaker 2: and yeah, I guess I've never looked back. And from

547
00:26:11,600 --> 00:26:15,080
Speaker 2: there I was really lucky because I worked in a

548
00:26:15,119 --> 00:26:18,440
Speaker 2: space that was high net wealth. So I wasn't working

549
00:26:18,640 --> 00:26:22,560
Speaker 2: in what people call mom and dad financial advice. And

550
00:26:22,720 --> 00:26:24,680
Speaker 2: it's not meant to be an offensive term at all,

551
00:26:24,760 --> 00:26:28,119
Speaker 2: it's just you know, everyday people. I wasn't working in

552
00:26:28,160 --> 00:26:30,960
Speaker 2: that space. It's actually the space I'm really passionate about.

553
00:26:31,080 --> 00:26:33,840
Speaker 2: I ended up in ultra high netwealth people. So that

554
00:26:34,119 --> 00:26:37,159
Speaker 2: was people who had a minimum of ten million dollars

555
00:26:37,200 --> 00:26:40,920
Speaker 2: to invest on the regular, so all of us know, yeah,

556
00:26:40,920 --> 00:26:44,760
Speaker 2: so all of us really relatable content Victoria. But that

557
00:26:44,920 --> 00:26:46,679
Speaker 2: was the space I was working in, and so I

558
00:26:46,760 --> 00:26:49,920
Speaker 2: learned a lot about investment really quickly. I got really

559
00:26:49,920 --> 00:26:52,919
Speaker 2: great exposure to boards of people who would make decisions

560
00:26:52,960 --> 00:26:56,520
Speaker 2: for investment companies. I got to understand the private family

561
00:26:56,560 --> 00:26:59,800
Speaker 2: office space and what that meant and how to invest

562
00:27:00,040 --> 00:27:03,920
Speaker 2: and for me, then I wanted to do my own

563
00:27:03,960 --> 00:27:06,159
Speaker 2: thing because I just felt like that wasn't me and

564
00:27:06,200 --> 00:27:09,240
Speaker 2: I started Zella, and the financial advisor that I worked

565
00:27:09,240 --> 00:27:11,879
Speaker 2: with became my business partner in that. Because financial advice

566
00:27:11,960 --> 00:27:15,280
Speaker 2: and becoming an advisor and having a practice is really expensive,

567
00:27:15,359 --> 00:27:17,640
Speaker 2: so you definitely need someone behind you to be able

568
00:27:17,680 --> 00:27:19,640
Speaker 2: to go out on your own, and I'm very grateful

569
00:27:19,680 --> 00:27:22,360
Speaker 2: for that opportunity that was afforded to me to do

570
00:27:22,400 --> 00:27:25,520
Speaker 2: that and establish this business. But the more I worked

571
00:27:25,560 --> 00:27:28,280
Speaker 2: with ultra high net wealth people, the more I realized

572
00:27:28,320 --> 00:27:31,040
Speaker 2: that I wasn't passionate about it, like I didn't want

573
00:27:31,080 --> 00:27:34,040
Speaker 2: to make rich people richer. It didn't serve me, it

574
00:27:34,080 --> 00:27:37,080
Speaker 2: didn't have that level of impact that I wanted to have.

575
00:27:37,280 --> 00:27:40,000
Speaker 2: And so on the side of you know, building up

576
00:27:40,000 --> 00:27:43,879
Speaker 2: this business of clients that were pretty wealthy, I started

577
00:27:43,920 --> 00:27:47,560
Speaker 2: doing these workshops for women in law firms because that

578
00:27:47,680 --> 00:27:49,159
Speaker 2: was who I really wanted to talk to and I

579
00:27:49,160 --> 00:27:51,159
Speaker 2: felt like I could have a really big impact with

580
00:27:51,560 --> 00:27:53,680
Speaker 2: So I went to some pretty big law firms around

581
00:27:53,720 --> 00:27:57,720
Speaker 2: Melbourne and said, hey, got in contact with the HR departments. Thankfully,

582
00:27:57,760 --> 00:28:00,840
Speaker 2: some of the clients were actually partners at these law firms,

583
00:28:00,840 --> 00:28:03,560
Speaker 2: so I had a pretty smooth in and said, can

584
00:28:03,560 --> 00:28:05,399
Speaker 2: I talk to your HL partner like, I'd love to

585
00:28:05,480 --> 00:28:07,800
Speaker 2: have a chat with them. I've got this workshop idea.

586
00:28:07,880 --> 00:28:10,080
Speaker 2: So they let me come in and run these workshops

587
00:28:10,119 --> 00:28:14,560
Speaker 2: called She's on the Money, and I did that because

588
00:28:14,600 --> 00:28:17,960
Speaker 2: I genuinely felt like every other workshop I'd run because

589
00:28:17,960 --> 00:28:20,200
Speaker 2: that was something I often got asked to do. Because

590
00:28:20,240 --> 00:28:23,399
Speaker 2: I do love presenting and I do love teaching. The

591
00:28:23,480 --> 00:28:25,959
Speaker 2: women in the room never put their hands up, and

592
00:28:26,000 --> 00:28:28,199
Speaker 2: they never wanted to in front of men, say oh,

593
00:28:28,200 --> 00:28:30,239
Speaker 2: I don't really understand super or why would I make

594
00:28:30,280 --> 00:28:33,600
Speaker 2: additional contributions? Or what's you know this insurance? Or you know,

595
00:28:33,640 --> 00:28:37,280
Speaker 2: how do I start investing? Because especially women in law,

596
00:28:37,320 --> 00:28:41,120
Speaker 2: and maybe you'll understand this, Sarah, it's not a bad thing.

597
00:28:41,160 --> 00:28:44,000
Speaker 2: You are smart women, but you just don't want to

598
00:28:44,040 --> 00:28:47,120
Speaker 2: seem silly in front of your male counterparts. And men,

599
00:28:47,440 --> 00:28:50,360
Speaker 2: especially in law, often like, oh yeah, I inverst and

600
00:28:50,400 --> 00:28:52,560
Speaker 2: I do this and I do that, and you're like, oh,

601
00:28:52,880 --> 00:28:54,960
Speaker 2: I don't want to have these conversations. So I'd often

602
00:28:55,000 --> 00:28:58,440
Speaker 2: find that after those sessions, women would loiter back and

603
00:28:58,600 --> 00:29:01,280
Speaker 2: ask me these questions they weren't comfortable asking in front

604
00:29:01,320 --> 00:29:04,760
Speaker 2: of other people, or they would email me and ask

605
00:29:04,880 --> 00:29:08,280
Speaker 2: these questions post the presentation. And so I decided to

606
00:29:08,280 --> 00:29:10,360
Speaker 2: do a female only one and I called it She's

607
00:29:10,360 --> 00:29:12,480
Speaker 2: on the money. And so for a few years I

608
00:29:12,520 --> 00:29:16,160
Speaker 2: was doing these seminars and I loved them. I didn't

609
00:29:16,200 --> 00:29:18,520
Speaker 2: do them for any other reason. I wasn't paid to

610
00:29:18,600 --> 00:29:23,240
Speaker 2: do them, sadly, and I just adored it, like I

611
00:29:23,280 --> 00:29:25,880
Speaker 2: loved the connections that I was creating, and the women

612
00:29:25,880 --> 00:29:28,000
Speaker 2: that would say, Victoria, I didn't even know this, like

613
00:29:28,040 --> 00:29:30,040
Speaker 2: it's so easy, and you know, I'm going to start

614
00:29:30,040 --> 00:29:31,880
Speaker 2: investing or I'm going to do this or that, and

615
00:29:31,920 --> 00:29:34,760
Speaker 2: it was just so beautiful that I wanted to carry

616
00:29:34,800 --> 00:29:38,560
Speaker 2: those conversations on outside of the workshop. So I created

617
00:29:38,560 --> 00:29:42,640
Speaker 2: a Facebook group, and that Facebook group is She's on

618
00:29:42,680 --> 00:29:46,400
Speaker 2: the money. And I remember it's starting to grow, and

619
00:29:46,840 --> 00:29:48,960
Speaker 2: people that I didn't know were joining, and I was like,

620
00:29:49,000 --> 00:29:51,160
Speaker 2: who are you. I didn't invite you, Like I don't

621
00:29:51,200 --> 00:29:51,560
Speaker 2: know you.

622
00:29:51,640 --> 00:29:52,400
Speaker 3: This is all you.

623
00:29:53,280 --> 00:29:56,120
Speaker 2: And people would message me and say, oh, hey, Victoria,

624
00:29:56,200 --> 00:29:57,680
Speaker 2: I hope you don't mind. I went to one of

625
00:29:57,680 --> 00:30:00,720
Speaker 2: your workshops. But my sister didn't. But I think that

626
00:30:00,800 --> 00:30:01,920
Speaker 2: she'd love your Facebook group.

627
00:30:01,960 --> 00:30:02,320
Speaker 3: Is it alright?

628
00:30:02,320 --> 00:30:03,840
Speaker 2: If it had her? And I'd be like, of course,

629
00:30:03,960 --> 00:30:06,720
Speaker 2: Like they're more than Maria. And so I thought, oh,

630
00:30:06,880 --> 00:30:09,320
Speaker 2: there's all these people that haven't been to my workshops

631
00:30:09,320 --> 00:30:12,160
Speaker 2: and haven't understood, you know, what I'm about. So I'm

632
00:30:12,200 --> 00:30:14,400
Speaker 2: going to start doing some structured content. So every week

633
00:30:14,440 --> 00:30:16,360
Speaker 2: I would cover a different topic and upload a little

634
00:30:16,360 --> 00:30:18,680
Speaker 2: PDF for them to do their own thing, or you know,

635
00:30:18,800 --> 00:30:22,880
Speaker 2: talk about a specific topic or I did this pretty

636
00:30:22,880 --> 00:30:26,720
Speaker 2: consistently for about twelve weeks, and I was shook because

637
00:30:27,160 --> 00:30:30,760
Speaker 2: I ended up having seventeen hundred people in the Facebook

638
00:30:30,760 --> 00:30:32,760
Speaker 2: group like and at that time, I was like, seventeen

639
00:30:32,840 --> 00:30:35,440
Speaker 2: hundred people, Like, what am I going to do with this?

640
00:30:35,480 --> 00:30:38,200
Speaker 2: And I asked them, literally, I was like, how do

641
00:30:38,280 --> 00:30:40,240
Speaker 2: I do this? And I asked them who are you

642
00:30:40,400 --> 00:30:42,000
Speaker 2: all come from?

643
00:30:42,040 --> 00:30:42,120
Speaker 1: Like?

644
00:30:42,200 --> 00:30:43,080
Speaker 2: Am I famous?

645
00:30:43,240 --> 00:30:43,320
Speaker 1: Like?

646
00:30:45,640 --> 00:30:48,000
Speaker 2: It literally was overwhelming, and I said to them, what

647
00:30:48,040 --> 00:30:50,160
Speaker 2: do you want next? How can I help you learn more?

648
00:30:50,240 --> 00:30:54,560
Speaker 2: Because I'm genuinely just passionate about sharing this information? And

649
00:30:54,640 --> 00:30:56,960
Speaker 2: they said, can you create a YouTube channel? And I

650
00:30:57,000 --> 00:30:59,960
Speaker 2: was like, ah, no, not a chance, not a chance,

651
00:31:00,440 --> 00:31:03,760
Speaker 2: it's not happening. I'm not confident enough for that, says.

652
00:31:03,480 --> 00:31:07,200
Speaker 1: The now famous TikTok person. But whatever, Okay, so weird, right,

653
00:31:07,360 --> 00:31:10,080
Speaker 1: so weird. Someone's got a little confidence that they didn't

654
00:31:10,120 --> 00:31:12,080
Speaker 1: have before. And I might have a few tickets on

655
00:31:12,120 --> 00:31:14,040
Speaker 1: myself now that I definitely didn't have before.

656
00:31:14,080 --> 00:31:17,600
Speaker 2: But that is okay, that is personal growth a.

657
00:31:17,760 --> 00:31:18,680
Speaker 3: So that's part of the GIT.

658
00:31:18,720 --> 00:31:21,040
Speaker 1: That is seizing your ya babe, that is getting rid

659
00:31:21,040 --> 00:31:23,160
Speaker 1: of the NATA thank you, and.

660
00:31:23,080 --> 00:31:25,960
Speaker 2: It's so fun. But I was really afraid of judgment

661
00:31:26,000 --> 00:31:28,120
Speaker 2: and I was really afraid of what people would think.

662
00:31:28,160 --> 00:31:30,800
Speaker 2: And I felt like in video, I didn't have the

663
00:31:30,840 --> 00:31:34,600
Speaker 2: flexibility to construct the conversation in the same way that

664
00:31:34,640 --> 00:31:36,840
Speaker 2: I could and a Facebook post because you can profread

665
00:31:36,880 --> 00:31:38,240
Speaker 2: it and think about it and you know, make sure

666
00:31:38,280 --> 00:31:41,320
Speaker 2: your stats are right. I was just really nervous, right,

667
00:31:41,400 --> 00:31:43,040
Speaker 2: So they wanted me to do a YouTube, and I

668
00:31:43,200 --> 00:31:45,920
Speaker 2: just wasn't comfortable with it. And at the time, Michelle

669
00:31:45,920 --> 00:31:48,120
Speaker 2: and Zara from Shameless with people that I was having

670
00:31:48,200 --> 00:31:50,160
Speaker 2: chatsko than friends of mine, and I said, how do

671
00:31:50,200 --> 00:31:52,040
Speaker 2: I do a podcast? Like would they would they take

672
00:31:52,040 --> 00:31:54,320
Speaker 2: a podcast anyway? And they saw the vision that I

673
00:31:54,360 --> 00:31:56,960
Speaker 2: saw for a podcast, and they helped me to bring

674
00:31:57,000 --> 00:31:58,920
Speaker 2: to life the first season of the She's on the

675
00:31:58,920 --> 00:32:02,560
Speaker 2: Money podcast with twelve episodes, And we originally thought it

676
00:32:02,560 --> 00:32:05,120
Speaker 2: would just be those twelve episodes, like you know, I

677
00:32:05,240 --> 00:32:08,040
Speaker 2: jam packed them full of value, and I genuinely felt

678
00:32:08,080 --> 00:32:10,560
Speaker 2: like that was all we'd ever do, because who wants

679
00:32:10,560 --> 00:32:14,120
Speaker 2: a podcast on money? Right? Like, there weren't really any

680
00:32:14,160 --> 00:32:17,480
Speaker 2: other podcasts on money, especially for women, and I felt like, okay, cool,

681
00:32:17,480 --> 00:32:20,120
Speaker 2: Like if we put these twelve episodes out into the universe,

682
00:32:20,600 --> 00:32:23,080
Speaker 2: like they will help people, and because they're up on

683
00:32:23,120 --> 00:32:25,680
Speaker 2: a podcasting platform, people can come back to them time

684
00:32:25,720 --> 00:32:28,080
Speaker 2: and time again. They could re listen or you know,

685
00:32:28,160 --> 00:32:31,120
Speaker 2: be introduced like a year later, and that will be enough. Anyway,

686
00:32:31,920 --> 00:32:33,920
Speaker 2: it kind of, and I say kind of blew up,

687
00:32:33,920 --> 00:32:35,720
Speaker 2: I don't mean kind of blew up. It genuinely did

688
00:32:35,720 --> 00:32:38,680
Speaker 2: blow up. And you know, we finished season one and

689
00:32:38,800 --> 00:32:42,200
Speaker 2: I decided that, you know, after quite a lot of

690
00:32:42,240 --> 00:32:44,640
Speaker 2: demand to bring it back, after a couple of months

691
00:32:44,640 --> 00:32:48,320
Speaker 2: of people going when's the next season? And I was okay, like, ah,

692
00:32:48,400 --> 00:32:51,240
Speaker 2: there wasn't ever one planned. So I had to work

693
00:32:51,280 --> 00:32:54,080
Speaker 2: out a way to actually get a second season and

694
00:32:54,280 --> 00:32:56,960
Speaker 2: start producing it. And Michelle and Zara was so busy,

695
00:32:57,040 --> 00:33:00,840
Speaker 2: and obviously they've gotten incredibly successful podcasts, so it wasn't

696
00:33:00,840 --> 00:33:04,120
Speaker 2: an option to continue it that way. And yeah, we

697
00:33:04,240 --> 00:33:06,760
Speaker 2: found a way, and now she's on the money. From

698
00:33:06,800 --> 00:33:09,760
Speaker 2: those seventeen hundred people that wanted a YouTube and didn't

699
00:33:09,760 --> 00:33:12,120
Speaker 2: get one, we've grown to more than one hundred and

700
00:33:12,120 --> 00:33:16,520
Speaker 2: seventy thousand people in that Facebook group, and a podcast

701
00:33:16,560 --> 00:33:19,040
Speaker 2: that gets more than a million downloads every single month,

702
00:33:19,680 --> 00:33:23,000
Speaker 2: and I think we're number seven still in the country

703
00:33:23,120 --> 00:33:27,200
Speaker 2: for podcasts on the podcast Rancor and that's been since January,

704
00:33:27,280 --> 00:33:31,280
Speaker 2: which is which is crazy. And yeah, that's I guess,

705
00:33:31,880 --> 00:33:36,120
Speaker 2: in a very long way, my journey and how I'm

706
00:33:36,160 --> 00:33:39,880
Speaker 2: gone from being someone who you know, really didn't have

707
00:33:39,920 --> 00:33:43,360
Speaker 2: confidence and really didn't you know, trust themselves or understand

708
00:33:43,480 --> 00:33:46,200
Speaker 2: themselves or know what I wanted to do all the

709
00:33:46,240 --> 00:33:49,320
Speaker 2: way through to a guess having this community and I

710
00:33:49,360 --> 00:33:51,440
Speaker 2: still don't know what I'm doing. We're making it up

711
00:33:51,440 --> 00:33:54,240
Speaker 2: as we go and it's working well, and I'm grateful

712
00:33:54,280 --> 00:33:56,400
Speaker 2: I have a team behind me that she's on the

713
00:33:56,400 --> 00:33:59,560
Speaker 2: money team is I think we've got seven of us now.

714
00:33:59,760 --> 00:34:03,120
Speaker 2: And you know, I've got a wealth business on the side, Zella.

715
00:34:03,280 --> 00:34:05,680
Speaker 2: I had a business partner and a year and a

716
00:34:05,720 --> 00:34:07,880
Speaker 2: half ago I bought him out. So now Zella is

717
00:34:07,880 --> 00:34:11,239
Speaker 2: one hundred percent mine and it's all me. And yeah,

718
00:34:11,280 --> 00:34:14,839
Speaker 2: it's it's crazy to think that from and I say

719
00:34:14,840 --> 00:34:17,160
Speaker 2: this quote all the time, but like from little things,

720
00:34:17,200 --> 00:34:18,439
Speaker 2: big things really do grow.

721
00:34:18,560 --> 00:34:21,319
Speaker 1: And yeah, I need to get that song on now,

722
00:34:22,040 --> 00:34:22,720
Speaker 1: Oh my gosh.

723
00:34:22,800 --> 00:34:25,200
Speaker 2: Yes, But it's so true, and you know, I look

724
00:34:25,239 --> 00:34:27,680
Speaker 2: back on it, and you know, now you've heard that story,

725
00:34:27,719 --> 00:34:29,880
Speaker 2: I feel like people go, oh, that made so much sense,

726
00:34:30,000 --> 00:34:32,799
Speaker 2: like you can see how the logical steps happened. But

727
00:34:32,880 --> 00:34:34,880
Speaker 2: at that point in time, like it did feel like

728
00:34:34,920 --> 00:34:37,319
Speaker 2: a crisis when I'd done three years of study for

729
00:34:37,760 --> 00:34:40,439
Speaker 2: psych and then realized I didn't want to be a psychologist.

730
00:34:40,520 --> 00:34:42,560
Speaker 2: And then, you know, even when I was in this

731
00:34:42,680 --> 00:34:44,840
Speaker 2: role that I didn't like that, I just felt like

732
00:34:44,880 --> 00:34:47,040
Speaker 2: I wasn't fitting into, Like I didn't know what I

733
00:34:47,080 --> 00:34:48,560
Speaker 2: was going to do, and I just wanted to take

734
00:34:48,560 --> 00:34:50,880
Speaker 2: a leap, but didn't know what was right, and it

735
00:34:50,960 --> 00:34:54,320
Speaker 2: was scary and terrifying. And I guess, you know, even

736
00:34:54,360 --> 00:34:57,640
Speaker 2: starting She's on the Money was hard. And people think

737
00:34:57,800 --> 00:35:00,439
Speaker 2: it's great now and I absolutely adore every thing about

738
00:35:00,480 --> 00:35:03,160
Speaker 2: it and I always have, but I remember I got

739
00:35:03,160 --> 00:35:05,160
Speaker 2: a lot of criticism at the start and people saying

740
00:35:05,200 --> 00:35:07,240
Speaker 2: that it was lame, and you know, no one wants

741
00:35:07,280 --> 00:35:10,399
Speaker 2: to talk about money. And I used to ask my girlfriends, like, oh, hey,

742
00:35:10,960 --> 00:35:13,279
Speaker 2: so I just did this post in my Facebook group,

743
00:35:13,360 --> 00:35:15,520
Speaker 2: can you go like it? It's because no one's liked

744
00:35:15,520 --> 00:35:19,120
Speaker 2: it yet, and it's one of those things. Yeah, but

745
00:35:19,200 --> 00:35:22,080
Speaker 2: it's true, right like, and we all grow from places

746
00:35:22,120 --> 00:35:24,480
Speaker 2: and we're all not confident in what we do at

747
00:35:24,520 --> 00:35:27,960
Speaker 2: the beginning until you know, we seek some kind of validation.

748
00:35:28,040 --> 00:35:31,680
Speaker 2: And it's silly because we should be validating ourselves and

749
00:35:31,760 --> 00:35:34,600
Speaker 2: know that inherently if we're making the leave and we're

750
00:35:34,640 --> 00:35:37,160
Speaker 2: making this decision, like, there's a reason we're bringing it

751
00:35:37,200 --> 00:35:40,000
Speaker 2: to the table. And I think the second you try

752
00:35:40,000 --> 00:35:43,520
Speaker 2: to be everything to everybody, you really dilute the value

753
00:35:43,520 --> 00:35:45,840
Speaker 2: that you bring to the table, and you really do

754
00:35:45,960 --> 00:35:49,200
Speaker 2: yourself a disservice because you are so valuable and there

755
00:35:49,200 --> 00:35:51,440
Speaker 2: are people out there who are going to adore you.

756
00:35:51,920 --> 00:35:56,040
Speaker 2: But the more you're adored, the more people that don't

757
00:35:56,080 --> 00:35:59,280
Speaker 2: resonate with your story and your journey. And it could

758
00:35:59,320 --> 00:36:03,160
Speaker 2: just be because it highlights to them a deficiency they

759
00:36:03,239 --> 00:36:06,560
Speaker 2: have selt makes them feel really uncomfortable. But I guarantee

760
00:36:06,560 --> 00:36:09,399
Speaker 2: you the people that aren't comfortable with you, they don't

761
00:36:09,440 --> 00:36:12,080
Speaker 2: know you, They don't know anything about you, and it's

762
00:36:12,120 --> 00:36:14,680
Speaker 2: never actually about you. It's always about them, like it's

763
00:36:14,719 --> 00:36:17,760
Speaker 2: a reflection of their own feelings and their thought patterns,

764
00:36:17,920 --> 00:36:19,719
Speaker 2: has nothing to do with us. And I think that

765
00:36:20,239 --> 00:36:22,960
Speaker 2: when you can genuinely start seeing that and see that

766
00:36:23,320 --> 00:36:26,200
Speaker 2: you know it's actually never about me, It's actually about

767
00:36:26,280 --> 00:36:28,919
Speaker 2: something that they're experiencing, and you know, maybe I could

768
00:36:28,920 --> 00:36:31,160
Speaker 2: help them through that, or maybe they're not ready for that.

769
00:36:31,160 --> 00:36:34,680
Speaker 2: That's okay, but it really helps you understand that you know,

770
00:36:35,239 --> 00:36:37,279
Speaker 2: the world is a good place and there are just

771
00:36:37,360 --> 00:36:40,399
Speaker 2: some eggs that make you feel a bit sad sometimes.

772
00:36:40,640 --> 00:36:43,920
Speaker 1: And also that any worthy journey where you're doing something

773
00:36:43,960 --> 00:36:46,080
Speaker 1: a bit different, like I've spoken about it quite a

774
00:36:46,120 --> 00:36:49,360
Speaker 1: few times with people who have been the first or

775
00:36:49,400 --> 00:36:52,480
Speaker 1: among the first in an area or an industry where

776
00:36:52,800 --> 00:36:55,080
Speaker 1: they're doing something quite different, is when you're the first

777
00:36:55,080 --> 00:36:57,560
Speaker 1: person to do something, it's going to draw a lot

778
00:36:57,600 --> 00:37:00,359
Speaker 1: of negativity at the beginning. It's going to feel really uncomfortable.

779
00:37:00,440 --> 00:37:02,840
Speaker 1: But nothing is cool until.

780
00:37:02,600 --> 00:37:05,839
Speaker 3: It is right. Like finance is cool until you made

781
00:37:05,920 --> 00:37:06,360
Speaker 3: it cool.

782
00:37:06,400 --> 00:37:10,160
Speaker 1: Like now it's so cool to be financially secure, like

783
00:37:10,200 --> 00:37:12,239
Speaker 1: you've turned that into something that people want to be

784
00:37:12,280 --> 00:37:17,000
Speaker 1: associated with financial savvy and financial literacy, Like it's not

785
00:37:17,040 --> 00:37:18,759
Speaker 1: cool to not know your books. It's not cool to

786
00:37:18,800 --> 00:37:22,960
Speaker 1: be winging it in and struggling and not having support

787
00:37:23,000 --> 00:37:27,120
Speaker 1: and resources. But it's really uncool until someone makes it

788
00:37:27,160 --> 00:37:28,840
Speaker 1: that way, and you just happen to be the person

789
00:37:28,880 --> 00:37:32,920
Speaker 1: that's forged a really unique path, facing all these obstacles

790
00:37:33,000 --> 00:37:35,040
Speaker 1: to get through to now take it to where it is.

791
00:37:35,080 --> 00:37:37,600
Speaker 1: And I love that because the quote I always say

792
00:37:37,640 --> 00:37:40,279
Speaker 1: is someone out there is looking for exactly what you have.

793
00:37:41,040 --> 00:37:43,800
Speaker 1: But people think that you found all those people overnight.

794
00:37:44,480 --> 00:37:48,319
Speaker 1: But this chat reminded me that, actually, like you know,

795
00:37:48,400 --> 00:37:50,919
Speaker 1: even the way that people sometimes refer to a jump

796
00:37:50,960 --> 00:37:53,520
Speaker 1: from one industry to another as a leap, I think

797
00:37:53,520 --> 00:37:56,439
Speaker 1: that detracts from the fact that it isn't one big

798
00:37:56,520 --> 00:37:58,360
Speaker 1: jump that happens overnight. You didn't just go, I'm going

799
00:37:58,440 --> 00:38:00,759
Speaker 1: to leave from like a shit time one job to

800
00:38:00,840 --> 00:38:03,320
Speaker 1: a really great time where I'm really popular in another.

801
00:38:03,880 --> 00:38:06,400
Speaker 2: No one gets to do that, and it's entitled to

802
00:38:06,480 --> 00:38:10,480
Speaker 2: think that too, because there's so many factors in the background, right, Like,

803
00:38:11,000 --> 00:38:13,040
Speaker 2: I had to work out whether I could afford to

804
00:38:13,080 --> 00:38:15,520
Speaker 2: do that. And fortunately, at that point in time, I

805
00:38:15,600 --> 00:38:18,400
Speaker 2: was young, I had housemates, I didn't have any commitments,

806
00:38:18,440 --> 00:38:21,560
Speaker 2: they didn't have any responsibilities, so I could move and

807
00:38:21,600 --> 00:38:24,120
Speaker 2: I could take a job that you know, didn't pay

808
00:38:24,160 --> 00:38:27,239
Speaker 2: as much. But I kind of saw it as an opportunity,

809
00:38:27,239 --> 00:38:28,799
Speaker 2: and to be honest, at that point in time, it

810
00:38:28,880 --> 00:38:30,960
Speaker 2: wasn't about pay. I was just miserable and was like,

811
00:38:31,000 --> 00:38:33,440
Speaker 2: oh god, I'll do that, thank you, Like that'll be

812
00:38:33,480 --> 00:38:35,560
Speaker 2: more than enough money for me to pay rent and

813
00:38:35,600 --> 00:38:38,440
Speaker 2: still go out and buy bottles of prosecco with my

814
00:38:38,480 --> 00:38:42,440
Speaker 2: girlfriends to hang out at Precinct on the weekend. I

815
00:38:42,520 --> 00:38:47,040
Speaker 2: definitely like, wasn't the type of person that was like, okay, cool,

816
00:38:47,080 --> 00:38:48,919
Speaker 2: like this is going to be my career. Like I'm

817
00:38:49,080 --> 00:38:52,360
Speaker 2: very study driven. That's what I love and what I adore.

818
00:38:52,440 --> 00:38:54,520
Speaker 2: But I think that people think I'm just this person

819
00:38:54,560 --> 00:38:58,120
Speaker 2: that sits at home and reads and you know, doesn't engage.

820
00:38:58,160 --> 00:39:00,520
Speaker 2: And while I'm not that person anymore. I don't go

821
00:39:00,640 --> 00:39:05,120
Speaker 2: to Precinct on the weekends. I'm sorry, I don't. Yeah, sorry,

822
00:39:05,719 --> 00:39:08,920
Speaker 2: I don't even drink that much. I'm so borry. But

823
00:39:09,640 --> 00:39:12,400
Speaker 2: past me, like obviously would be very proud of what

824
00:39:12,400 --> 00:39:15,399
Speaker 2: I've achieved. She found out that I got excited over

825
00:39:15,440 --> 00:39:18,640
Speaker 2: the fact that I got a new dishwasher yesterday.

826
00:39:18,280 --> 00:39:20,280
Speaker 3: Like oh babe, oh it's her dream.

827
00:39:20,640 --> 00:39:21,680
Speaker 2: Oh it's happened.

828
00:39:22,200 --> 00:39:24,200
Speaker 1: And wait, before your time, it not even in your

829
00:39:24,239 --> 00:39:26,840
Speaker 1: thirties yet, Like yes, I literally.

830
00:39:26,520 --> 00:39:30,399
Speaker 2: Have like twenty days left of my thirties and this

831
00:39:30,440 --> 00:39:33,919
Speaker 2: is how I'm spending Victoria.

832
00:39:33,960 --> 00:39:36,480
Speaker 1: But I love that so much because it really is

833
00:39:36,520 --> 00:39:38,960
Speaker 1: like I was struggling a lot. You know how much

834
00:39:39,000 --> 00:39:42,160
Speaker 1: research I do before these episodes, and I really wanted

835
00:39:42,200 --> 00:39:45,000
Speaker 1: to use a big part of the episode. You are

836
00:39:45,120 --> 00:39:48,600
Speaker 1: just such a fountain of practical knowledge that has really

837
00:39:48,640 --> 00:39:52,680
Speaker 1: made some really unsexy and sometimes stigmatized. Like you know,

838
00:39:52,719 --> 00:39:54,879
Speaker 1: a lot of people grew up in a time where

839
00:39:54,880 --> 00:39:56,920
Speaker 1: you didn't talk about money, religion, and politics, Like there

840
00:39:56,960 --> 00:40:00,080
Speaker 1: is a lot of stigma around financial conversations, but it

841
00:40:00,120 --> 00:40:01,520
Speaker 1: does hold us back in a lot of ways, and

842
00:40:01,600 --> 00:40:04,440
Speaker 1: as you mentioned in the workplace, like it's very difficult

843
00:40:04,440 --> 00:40:06,800
Speaker 1: to have these conversations if you don't have a support network.

844
00:40:07,200 --> 00:40:15,040
Speaker 1: But I love that you've not just made a very difficult, intimidating, complicated,

845
00:40:15,200 --> 00:40:19,279
Speaker 1: multifaceted area, very approachable and non judgmental as well, like

846
00:40:19,719 --> 00:40:22,040
Speaker 1: your book, your podcast, everything comes from such a place

847
00:40:22,080 --> 00:40:24,040
Speaker 1: of it doesn't matter where you are, there's no bad,

848
00:40:24,080 --> 00:40:26,759
Speaker 1: there's no wrong, it's just how can we improve you

849
00:40:26,800 --> 00:40:29,040
Speaker 1: from here? I wanted to spend so much of the

850
00:40:29,080 --> 00:40:31,040
Speaker 1: episode on the practical tips that you have.

851
00:40:31,200 --> 00:40:33,400
Speaker 2: I feel like that's exactly what we've done. So I

852
00:40:33,440 --> 00:40:37,560
Speaker 2: do apologize, but I genuinely agree with you there, and

853
00:40:37,600 --> 00:40:40,440
Speaker 2: I think that that's something that is really special about

854
00:40:40,440 --> 00:40:43,319
Speaker 2: She's on the Money, right, Like it actually came from

855
00:40:43,360 --> 00:40:45,760
Speaker 2: a place of love, and I think that that's why

856
00:40:45,840 --> 00:40:48,480
Speaker 2: it has a different vibe and it has this community

857
00:40:48,520 --> 00:40:51,120
Speaker 2: behind it, and it's not you know, obviously now it

858
00:40:51,239 --> 00:40:53,440
Speaker 2: is a business, and I'm so grateful that it is

859
00:40:53,520 --> 00:40:56,080
Speaker 2: because I can employ some really beautiful people to help

860
00:40:56,120 --> 00:41:01,000
Speaker 2: me educate even more people. But for me, the idea

861
00:41:01,040 --> 00:41:02,960
Speaker 2: if She's on the money came from this place of

862
00:41:03,000 --> 00:41:05,480
Speaker 2: love and from giving, and it was never something about

863
00:41:05,480 --> 00:41:08,040
Speaker 2: making money because I had a business, I had something

864
00:41:08,080 --> 00:41:10,359
Speaker 2: else on the side, And you know, I never thought

865
00:41:10,400 --> 00:41:12,600
Speaker 2: in my wildest dreams that this is where we would be.

866
00:41:12,719 --> 00:41:15,600
Speaker 2: And I guess that's what we always as a team

867
00:41:15,719 --> 00:41:18,440
Speaker 2: come back to as well, is like are we serving

868
00:41:18,480 --> 00:41:21,680
Speaker 2: our community? Are we putting them in the best possible position?

869
00:41:21,760 --> 00:41:24,239
Speaker 2: Are we giving them every single tool and resource they

870
00:41:24,320 --> 00:41:28,359
Speaker 2: need to be savvy and financially literate and you know,

871
00:41:28,600 --> 00:41:31,920
Speaker 2: educated and empowered. And I guess that comes from me,

872
00:41:32,360 --> 00:41:35,640
Speaker 2: you know, if we distell it down having experienced this

873
00:41:35,800 --> 00:41:38,960
Speaker 2: ultra high net wealth world where they can afford all

874
00:41:38,960 --> 00:41:41,440
Speaker 2: the advice in the world, and I just saw such

875
00:41:42,080 --> 00:41:46,160
Speaker 2: an unfair advantage that they could access awesome advice and

876
00:41:46,360 --> 00:41:49,239
Speaker 2: my friends couldn't. And I guess that's where she's on

877
00:41:49,280 --> 00:41:52,440
Speaker 2: the money came from, and I guess, and I hope

878
00:41:52,680 --> 00:41:56,600
Speaker 2: that it'll always feel that way to people. And you know,

879
00:41:56,640 --> 00:41:58,880
Speaker 2: you're a quote person, and I love that about you.

880
00:41:58,960 --> 00:42:02,520
Speaker 2: It makes me so But a quote that's really helped me,

881
00:42:02,760 --> 00:42:05,640
Speaker 2: especially along this journey, because people aren't your greatest fans,

882
00:42:06,200 --> 00:42:08,879
Speaker 2: Like some people just really don't like what I do,

883
00:42:08,920 --> 00:42:12,200
Speaker 2: because you're right, it's money, religion, and politics, and if

884
00:42:12,239 --> 00:42:14,800
Speaker 2: you talk about those you make a lot of people uncomfortable.

885
00:42:15,239 --> 00:42:18,600
Speaker 2: But the quote is you'll never be criticized by someone

886
00:42:18,680 --> 00:42:20,879
Speaker 2: who is doing more than you. You will only ever

887
00:42:20,960 --> 00:42:23,680
Speaker 2: be criticized by someone who is doing less. And that

888
00:42:23,880 --> 00:42:27,560
Speaker 2: brings me a lot of joy because I just know

889
00:42:27,680 --> 00:42:31,160
Speaker 2: that if ever someone says something that you know doesn't resonate.

890
00:42:31,200 --> 00:42:33,920
Speaker 2: And I'm all about feedback, right, like if you tell me, like, hey, Victoria,

891
00:42:33,960 --> 00:42:36,000
Speaker 2: just don't think that landed well enough or you didn't

892
00:42:36,000 --> 00:42:38,520
Speaker 2: do you know enough here and you know, people slide

893
00:42:38,560 --> 00:42:41,200
Speaker 2: into our dms all the time and give us different perspectives,

894
00:42:41,200 --> 00:42:43,319
Speaker 2: and I'm so grateful for that. I never want that

895
00:42:43,400 --> 00:42:46,319
Speaker 2: to stop. But sometimes, as you would know, Sarah, in

896
00:42:46,480 --> 00:42:50,239
Speaker 2: a place of I guess the social media world, like

897
00:42:50,320 --> 00:42:52,719
Speaker 2: people are just mean and they are just rude, and

898
00:42:52,760 --> 00:42:55,320
Speaker 2: that quote really helps me in that space.

899
00:42:56,600 --> 00:42:58,000
Speaker 3: I love it so much.

900
00:42:58,080 --> 00:43:00,719
Speaker 1: I haven't heard that one, and it's I think one

901
00:43:00,719 --> 00:43:03,799
Speaker 1: of my new favorites because it's so true what I

902
00:43:03,840 --> 00:43:06,680
Speaker 1: was saying before though about the fact that I really

903
00:43:06,680 --> 00:43:08,480
Speaker 1: wanted to use a lot of this episode for you know,

904
00:43:08,600 --> 00:43:11,880
Speaker 1: a lot of the practical tips, but because the book

905
00:43:12,239 --> 00:43:17,880
Speaker 1: is the most comprehensive, covers literally everything from saving super homeloyns,

906
00:43:17,920 --> 00:43:22,560
Speaker 1: investment children, like estate planning. It is the most comprehensive,

907
00:43:23,560 --> 00:43:29,000
Speaker 1: like approachable, really just beautifully worded in such a really

908
00:43:29,000 --> 00:43:32,200
Speaker 1: demystifies quite intimidating areas because people can get it in

909
00:43:32,280 --> 00:43:34,600
Speaker 1: the book. I'm so glad that we spent more of

910
00:43:34,600 --> 00:43:37,239
Speaker 1: the time on the story because no, thank you, it

911
00:43:37,280 --> 00:43:40,040
Speaker 1: doesn't get as much airtime, right like people come straight

912
00:43:40,080 --> 00:43:41,359
Speaker 1: to you in interviews.

913
00:43:41,719 --> 00:43:44,160
Speaker 2: No, and it's not something I share either. It's not

914
00:43:44,280 --> 00:43:46,440
Speaker 2: because she's on the money isn't me. It is not

915
00:43:46,480 --> 00:43:48,759
Speaker 2: about me. It is about the people in my community.

916
00:43:49,080 --> 00:43:52,439
Speaker 2: And I've really shied away in the book actually from

917
00:43:52,480 --> 00:43:55,480
Speaker 2: talking about my personal experience because that doesn't help you.

918
00:43:56,000 --> 00:43:58,280
Speaker 2: I wanted to fill it full of value and things

919
00:43:58,280 --> 00:44:01,560
Speaker 2: that could actually help you, and money stories from my

920
00:44:01,640 --> 00:44:04,880
Speaker 2: community that I thought were really interesting or inspiring or

921
00:44:05,040 --> 00:44:07,560
Speaker 2: just relatable, because I didn't want to give you a

922
00:44:07,560 --> 00:44:11,600
Speaker 2: whole chapter on saving and then not have relatable examples

923
00:44:11,600 --> 00:44:13,480
Speaker 2: of people who have done it to inspire you to

924
00:44:13,560 --> 00:44:16,839
Speaker 2: take the next steps. And you know, my publishers were

925
00:44:16,840 --> 00:44:20,439
Speaker 2: really frustrated with me because when I started writing, they said, Hey,

926
00:44:20,480 --> 00:44:22,759
Speaker 2: here's the word count that we're aiming towards, and how

927
00:44:22,760 --> 00:44:24,959
Speaker 2: many chapters have you got that you think you'll write

928
00:44:25,000 --> 00:44:27,000
Speaker 2: on And you know, you've written a book, so you

929
00:44:27,000 --> 00:44:28,759
Speaker 2: would know that. You give them the skeleton and the

930
00:44:28,760 --> 00:44:30,400
Speaker 2: outline of the book and you go, yep, this is

931
00:44:30,400 --> 00:44:32,200
Speaker 2: what I think I'll write. And I started writing, and

932
00:44:32,200 --> 00:44:34,480
Speaker 2: then I'd call them and be like, hey, I just

933
00:44:34,600 --> 00:44:36,600
Speaker 2: I want to do another chapter, is he I just

934
00:44:36,719 --> 00:44:38,319
Speaker 2: I think that this is going to be really good.

935
00:44:38,360 --> 00:44:40,200
Speaker 2: And then she would be like, yeah, no problems, And

936
00:44:40,239 --> 00:44:43,520
Speaker 2: then I had this chapter that included saving, and so

937
00:44:43,600 --> 00:44:45,200
Speaker 2: I started writing that and then I called her. I

938
00:44:45,239 --> 00:44:46,880
Speaker 2: was like, ah, yeah, so I wanted Saving to be

939
00:44:47,000 --> 00:44:48,680
Speaker 2: up it's own chapter and I want to call it

940
00:44:48,760 --> 00:44:50,960
Speaker 2: this and she'd be like, okay, no problems. So now

941
00:44:51,000 --> 00:44:52,560
Speaker 2: we're up to like twenty two chapters. What are we

942
00:44:52,560 --> 00:44:53,839
Speaker 2: going to do next? And I was like, okay, so

943
00:44:54,160 --> 00:44:56,560
Speaker 2: also in addition to this one, we have a plan

944
00:44:56,680 --> 00:44:58,120
Speaker 2: and she'd just be like, this is not the book

945
00:44:58,160 --> 00:45:01,440
Speaker 2: we agreed to, but okay, no. And it's one of

946
00:45:01,440 --> 00:45:04,280
Speaker 2: those things that it really evolved over time, and it really,

947
00:45:04,440 --> 00:45:06,680
Speaker 2: you know, grew, and I knew I wanted money stories

948
00:45:06,719 --> 00:45:08,080
Speaker 2: to be a part of it, but I thought i'd

949
00:45:08,080 --> 00:45:10,680
Speaker 2: have a couple, right, But every single chapter has like

950
00:45:10,719 --> 00:45:13,360
Speaker 2: one or two because I just couldn't stop, Like I

951
00:45:13,520 --> 00:45:15,799
Speaker 2: just the second I was there, I was like, oh,

952
00:45:15,960 --> 00:45:19,239
Speaker 2: this feels empty without another story in it. And yeah,

953
00:45:19,280 --> 00:45:21,640
Speaker 2: I just feel like I'm so grateful to have been

954
00:45:21,640 --> 00:45:23,759
Speaker 2: able to bring to life exactly what I wanted. She's

955
00:45:23,800 --> 00:45:26,440
Speaker 2: on the money the book to be, but also that

956
00:45:27,000 --> 00:45:30,239
Speaker 2: you know, it's to me a gift, like it is

957
00:45:30,480 --> 00:45:32,960
Speaker 2: like not you know, buy for other people gift, but

958
00:45:32,960 --> 00:45:35,920
Speaker 2: more just like a gift of financial literacy, Like hopefully

959
00:45:36,000 --> 00:45:40,520
Speaker 2: it encompasses absolutely everything that young women need to feel

960
00:45:40,560 --> 00:45:43,359
Speaker 2: financially secure and know they're on the right path. I'm

961
00:45:43,520 --> 00:45:47,200
Speaker 2: very acutely aware that it's not the only financial book

962
00:45:47,200 --> 00:45:49,520
Speaker 2: you'll ever need, because I want you to learn more

963
00:45:49,520 --> 00:45:51,600
Speaker 2: and absorb more, and I'm never going to pretend to

964
00:45:51,600 --> 00:45:54,560
Speaker 2: be absolutely everything to everybody. But I hope that it

965
00:45:54,640 --> 00:45:57,879
Speaker 2: is the right start for people. It is the right

966
00:45:57,920 --> 00:45:59,960
Speaker 2: step in the right direction to give you the confident

967
00:46:00,280 --> 00:46:04,239
Speaker 2: that you genuinely deserve to be financially successful, and you know,

968
00:46:04,360 --> 00:46:07,360
Speaker 2: a touch on everything. But it's not like this is

969
00:46:07,400 --> 00:46:10,239
Speaker 2: your guide to ultimate investing, but it will teach you

970
00:46:10,560 --> 00:46:13,160
Speaker 2: what you need to take into consideration and the next

971
00:46:13,200 --> 00:46:15,600
Speaker 2: steps and where to start, and how to understand your

972
00:46:15,680 --> 00:46:19,040
Speaker 2: risk profile and you know, will Sarah, how should you invest?

973
00:46:19,160 --> 00:46:21,200
Speaker 2: I don't tell you what to invest in, though, because

974
00:46:21,239 --> 00:46:23,600
Speaker 2: that's not my position. That's not my job. Only you

975
00:46:23,640 --> 00:46:26,120
Speaker 2: can decide that. So I think that it is one

976
00:46:26,160 --> 00:46:28,680
Speaker 2: of those things where you know, people are like, oh,

977
00:46:28,800 --> 00:46:30,960
Speaker 2: is this the be all end or finance book, And

978
00:46:31,000 --> 00:46:33,600
Speaker 2: I'm like, of course not, Like I want people to

979
00:46:33,640 --> 00:46:37,640
Speaker 2: read more and educate themselves and have lots of different opinions,

980
00:46:37,640 --> 00:46:39,560
Speaker 2: and you know, even take what I say with a

981
00:46:39,560 --> 00:46:42,640
Speaker 2: grain of salt, because you should be, you know, always cautious.

982
00:46:42,680 --> 00:46:46,080
Speaker 2: Like we're talking about finance here, that's really personal. So

983
00:46:46,239 --> 00:46:49,120
Speaker 2: I can't be everything to everybody, But I hope that

984
00:46:49,200 --> 00:46:52,320
Speaker 2: this book can be everything you need to know to start.

985
00:46:52,920 --> 00:46:54,080
Speaker 3: I think it absolutely is.

986
00:46:54,120 --> 00:46:56,400
Speaker 1: It's such a comprehensive framework, and I love that it

987
00:46:56,440 --> 00:47:00,960
Speaker 1: does give it an overlay of really every area at

988
00:47:01,000 --> 00:47:02,759
Speaker 1: all different stages of your life that you would need

989
00:47:02,800 --> 00:47:05,560
Speaker 1: to think about and enough understanding to then know where

990
00:47:05,600 --> 00:47:07,080
Speaker 1: you would want to look if you did need to

991
00:47:07,080 --> 00:47:10,879
Speaker 1: go further into something. Yeah, just quickly jumping in before

992
00:47:10,920 --> 00:47:14,239
Speaker 1: we continue with today's episode, because firstly, my lips have

993
00:47:14,320 --> 00:47:17,440
Speaker 1: been getting so dry lately from recording and talking so

994
00:47:17,560 --> 00:47:20,680
Speaker 1: much with the heating on now that it's winter. And secondly,

995
00:47:20,760 --> 00:47:24,840
Speaker 1: because I found the ultimate solution to that problem and thought.

996
00:47:24,719 --> 00:47:26,880
Speaker 3: It would be a YA maker for you guys too.

997
00:47:27,080 --> 00:47:31,440
Speaker 1: Australia's beloved Carmex has released a game changing new natural

998
00:47:31,520 --> 00:47:35,680
Speaker 1: certified lip balm that's clinically proven to provide visible results

999
00:47:35,719 --> 00:47:39,440
Speaker 1: after only one application and increase moisture levels in the

1000
00:47:39,480 --> 00:47:43,160
Speaker 1: lips by up to two hundred percent even after four

1001
00:47:43,200 --> 00:47:46,640
Speaker 1: hours of wear. It soothes and smooths your lips naturally

1002
00:47:46,719 --> 00:47:50,560
Speaker 1: with sustainably sourced butters, colloidal oatmeal, and cold pressed.

1003
00:47:50,280 --> 00:47:51,160
Speaker 3: Fruits eat oils.

1004
00:47:51,239 --> 00:47:54,640
Speaker 1: Plus, it's also gentle because it doesn't have that famous

1005
00:47:54,640 --> 00:47:57,080
Speaker 1: Carmex tingle, which is not everyone's piece of cake.

1006
00:47:57,680 --> 00:48:00,640
Speaker 3: Carmex Naturally is just straight up fast.

1007
00:48:00,400 --> 00:48:03,759
Speaker 1: Acting lip hydration that now has a permanent place in

1008
00:48:03,800 --> 00:48:07,560
Speaker 1: my handbag. It's available at pharmacies in Watermelon a pair

1009
00:48:07,800 --> 00:48:11,160
Speaker 1: or my personal favorite Berry Plus. At the moment, you

1010
00:48:11,200 --> 00:48:14,560
Speaker 1: can win five thousand dollars for you and five thousand

1011
00:48:14,719 --> 00:48:18,400
Speaker 1: for a charity by purchasing any Carmex lipbum product and

1012
00:48:18,600 --> 00:48:22,600
Speaker 1: entering on their website Carmex dot com dot au. I'll

1013
00:48:22,600 --> 00:48:24,240
Speaker 1: pop the link in the show notes.

1014
00:48:24,480 --> 00:48:25,520
Speaker 3: Now back to the show.

1015
00:48:29,360 --> 00:48:31,080
Speaker 1: What you said before is really interesting that you're like,

1016
00:48:31,120 --> 00:48:33,600
Speaker 1: I didn't include a lot of the backstory we've discussed

1017
00:48:33,640 --> 00:48:36,319
Speaker 1: today because it's not helpful, or as I've spent most

1018
00:48:36,320 --> 00:48:38,960
Speaker 1: of my time on that. Because you can get your

1019
00:48:39,000 --> 00:48:43,799
Speaker 1: actual financial knowledge and advice, which is immeasurably important and invaluable.

1020
00:48:44,040 --> 00:48:45,600
Speaker 1: You can get that in the book, and I think

1021
00:48:45,640 --> 00:48:47,759
Speaker 1: everyone should go and buy the book links in.

1022
00:48:47,760 --> 00:48:48,400
Speaker 3: The show notes.

1023
00:48:49,040 --> 00:48:51,439
Speaker 1: But I think it is helpful to have heard your

1024
00:48:51,440 --> 00:48:53,960
Speaker 1: personal story as well, because people will pick up this

1025
00:48:54,000 --> 00:48:56,719
Speaker 1: book now with some context and know that you didn't

1026
00:48:56,719 --> 00:48:59,279
Speaker 1: wake up like this. That She's on the Money has

1027
00:48:59,520 --> 00:49:02,279
Speaker 1: definitely not been an overnight success. It started as a

1028
00:49:02,320 --> 00:49:04,560
Speaker 1: Facebook group, and that's a thing with anyone who has

1029
00:49:05,040 --> 00:49:07,160
Speaker 1: big dreams and big visions and who does put you

1030
00:49:07,239 --> 00:49:11,240
Speaker 1: on a pedestal as this incredibly high achieving, intelligent warm

1031
00:49:11,719 --> 00:49:17,160
Speaker 1: author now honestly podcaster Forbes thirty under thirty that you

1032
00:49:17,320 --> 00:49:21,520
Speaker 1: also started small. You started not knowing where She's on

1033
00:49:21,560 --> 00:49:22,279
Speaker 1: the Money would go.

1034
00:49:22,440 --> 00:49:24,239
Speaker 3: You started through a.

1035
00:49:24,160 --> 00:49:26,640
Speaker 1: Facebook group, a podcast with what just one season, a

1036
00:49:26,680 --> 00:49:28,799
Speaker 1: podcast with two seasons. Like before the book, there have

1037
00:49:28,880 --> 00:49:31,920
Speaker 1: been so many chapters before this one to get here,

1038
00:49:31,960 --> 00:49:34,479
Speaker 1: and I love that you've taken us through the fact

1039
00:49:34,520 --> 00:49:37,759
Speaker 1: that it's never too late. Really, you can have had

1040
00:49:37,760 --> 00:49:39,880
Speaker 1: so many careers before you stumble upon the thing that

1041
00:49:40,000 --> 00:49:42,520
Speaker 1: clearly you are now this was your God given purpose

1042
00:49:42,520 --> 00:49:42,920
Speaker 1: on this air.

1043
00:49:43,000 --> 00:49:46,040
Speaker 2: Oh absolutely, And I'm really grateful for that. And you

1044
00:49:46,040 --> 00:49:49,319
Speaker 2: know it's not something that you think about, right you

1045
00:49:49,360 --> 00:49:51,760
Speaker 2: see it now when you go, wow, it's so polished

1046
00:49:51,800 --> 00:49:55,239
Speaker 2: and so professional, bit Sarah. The first logo I made

1047
00:49:55,280 --> 00:49:57,600
Speaker 2: for my Facebook group. I didn't know how to use

1048
00:49:57,640 --> 00:50:01,600
Speaker 2: Photoshop or any kind of editing tools to create logos,

1049
00:50:01,600 --> 00:50:03,560
Speaker 2: and I sure as hell didn't have any money to

1050
00:50:03,600 --> 00:50:06,760
Speaker 2: pay for one, so I made it on power Point

1051
00:50:06,960 --> 00:50:09,480
Speaker 2: with a free font that I downloaded from the internet,

1052
00:50:09,520 --> 00:50:11,520
Speaker 2: and I made a hot pink, because what is better

1053
00:50:11,600 --> 00:50:13,880
Speaker 2: than a hot pink? And then I screenshot it and

1054
00:50:13,920 --> 00:50:16,520
Speaker 2: that became our logo. And I just think that, you know,

1055
00:50:16,800 --> 00:50:20,279
Speaker 2: if you want to do something, it doesn't matter what

1056
00:50:20,400 --> 00:50:22,920
Speaker 2: it's going to not cost, like, it just matters that

1057
00:50:23,040 --> 00:50:27,000
Speaker 2: you start and that you know, the polished logo can

1058
00:50:27,040 --> 00:50:30,120
Speaker 2: come later. But find your community, find the people that

1059
00:50:30,200 --> 00:50:33,520
Speaker 2: you can love, and love them hard because they will

1060
00:50:33,520 --> 00:50:36,080
Speaker 2: help you grow. And now, you know, I'm so grateful that,

1061
00:50:36,239 --> 00:50:38,360
Speaker 2: you know, I did get to work with a designer

1062
00:50:38,400 --> 00:50:41,319
Speaker 2: at one point to bring together our website and our

1063
00:50:41,360 --> 00:50:43,600
Speaker 2: logos and stuff, and they are so much better than

1064
00:50:43,600 --> 00:50:47,360
Speaker 2: they used to be. But I'm not embarrassed of the journey.

1065
00:50:47,400 --> 00:50:49,520
Speaker 2: I'm not embarrassed of what they used to be. And

1066
00:50:49,560 --> 00:50:52,399
Speaker 2: I think that you know, there's this saying and I'm

1067
00:50:52,440 --> 00:50:54,239
Speaker 2: not going to get this right. But they say that

1068
00:50:54,280 --> 00:50:56,319
Speaker 2: if you're not embarrassed of the first thing you put

1069
00:50:56,360 --> 00:50:59,040
Speaker 2: to market, like oh, you didn't start soon enough or

1070
00:50:59,120 --> 00:51:01,160
Speaker 2: something along those lines, And I just look at it.

1071
00:51:01,200 --> 00:51:03,040
Speaker 1: I always say that if you don't cringe, you're doing

1072
00:51:03,120 --> 00:51:05,839
Speaker 1: it wrong, Like it's meant to I.

1073
00:51:05,760 --> 00:51:07,919
Speaker 2: Get that, And you know what, my logo is real

1074
00:51:07,960 --> 00:51:11,759
Speaker 2: cringey and like awful. But I wouldn't say ever that

1075
00:51:11,800 --> 00:51:14,280
Speaker 2: I'm embarrassed of it, because that's part of my journey.

1076
00:51:14,320 --> 00:51:17,640
Speaker 2: And like that girl that just wanted a Facebook group

1077
00:51:17,680 --> 00:51:19,520
Speaker 2: to talk to her friends and these people in our

1078
00:51:19,560 --> 00:51:22,560
Speaker 2: workshops about money, like she did those things for the

1079
00:51:22,640 --> 00:51:25,560
Speaker 2: right reason, and she's created this, and like we need

1080
00:51:25,600 --> 00:51:27,719
Speaker 2: to be respectful of the journey as well. And that's

1081
00:51:27,760 --> 00:51:31,200
Speaker 2: something I say about finance all the time, is we

1082
00:51:31,280 --> 00:51:34,480
Speaker 2: are often too hard on ourselves for our past spending habits.

1083
00:51:34,480 --> 00:51:36,759
Speaker 2: We are often too hard on ourselves for what we've

1084
00:51:36,800 --> 00:51:39,520
Speaker 2: been through. Because you know, you might pick up this

1085
00:51:39,560 --> 00:51:41,719
Speaker 2: book and go, okay, great, and thankfully I do cover

1086
00:51:41,800 --> 00:51:44,480
Speaker 2: this in the book, so hopefully nobody experiences this. But

1087
00:51:45,360 --> 00:51:47,560
Speaker 2: you pick up a finance book and go, oh my gosh,

1088
00:51:47,600 --> 00:51:49,279
Speaker 2: I've been doing it so wrong. I feel so bad

1089
00:51:49,360 --> 00:51:51,560
Speaker 2: I've wasted so much money, or I'm in so much debt,

1090
00:51:51,640 --> 00:51:54,000
Speaker 2: or I can't believe I did that. I'm so silly,

1091
00:51:54,040 --> 00:51:56,439
Speaker 2: I'm so stupid, And it's just not how we should

1092
00:51:56,480 --> 00:51:59,719
Speaker 2: be treating ourselves. Like past you did absolutely everything they

1093
00:51:59,760 --> 00:52:02,200
Speaker 2: could with the tools and resources they had at the time.

1094
00:52:02,719 --> 00:52:05,520
Speaker 2: Just because you have new tools and new resources and

1095
00:52:05,560 --> 00:52:08,000
Speaker 2: your new vision doesn't mean that you did the wrong

1096
00:52:08,040 --> 00:52:10,200
Speaker 2: thing at the time for you, and that person has

1097
00:52:10,280 --> 00:52:13,120
Speaker 2: created today's person. So I think we need to genuinely

1098
00:52:13,360 --> 00:52:16,480
Speaker 2: honor them and care for them and really put them first,

1099
00:52:16,600 --> 00:52:19,560
Speaker 2: because if we look backwards, it doesn't serve us in

1100
00:52:19,600 --> 00:52:21,799
Speaker 2: any way, shape or form. So I think that the

1101
00:52:21,840 --> 00:52:24,600
Speaker 2: guilt that we feel over, you know, the debt we're in,

1102
00:52:24,800 --> 00:52:28,040
Speaker 2: it's just unnecessary and it doesn't serve us. There's no guilt,

1103
00:52:28,040 --> 00:52:30,239
Speaker 2: there's no shame, there's nothing in it. It just is

1104
00:52:30,360 --> 00:52:33,640
Speaker 2: part of your money story. And that's pretty cool because

1105
00:52:33,640 --> 00:52:35,879
Speaker 2: it doesn't have to remain your money story. You get

1106
00:52:35,920 --> 00:52:37,600
Speaker 2: to change that, and that's awesome.

1107
00:52:37,840 --> 00:52:40,560
Speaker 1: I actually applied so much of that and those chapters

1108
00:52:40,560 --> 00:52:43,840
Speaker 1: about your money story and neuroplasticity and rewiring the beliefs

1109
00:52:43,840 --> 00:52:48,160
Speaker 1: and approach you have to your financial health and freedom,

1110
00:52:48,600 --> 00:52:50,400
Speaker 1: and how you can at any time of your life

1111
00:52:50,480 --> 00:52:52,440
Speaker 1: change the pathway that you're on. I applied that so

1112
00:52:52,560 --> 00:52:57,080
Speaker 1: much to career and joy and fulfillment because again, like

1113
00:52:57,239 --> 00:52:59,440
Speaker 1: because we're so instant gratuity based, we want to get

1114
00:52:59,440 --> 00:53:02,359
Speaker 1: to the passion a job and dream life. I think

1115
00:53:02,440 --> 00:53:05,040
Speaker 1: everyone wants to rush there. They want to have a book,

1116
00:53:05,080 --> 00:53:07,399
Speaker 1: they want to have a number one podcast, they want

1117
00:53:07,440 --> 00:53:10,600
Speaker 1: to have everything now, but they forget that if you

1118
00:53:10,680 --> 00:53:13,040
Speaker 1: had had the idea for She's on the Money as

1119
00:53:13,040 --> 00:53:15,840
Speaker 1: it is right now, but ten years ago and skipped

1120
00:53:15,880 --> 00:53:19,560
Speaker 1: the whole psychology chapter and you would have been too young, Like,

1121
00:53:19,600 --> 00:53:22,200
Speaker 1: it wouldn't have worked. So you're actually not meant to

1122
00:53:22,200 --> 00:53:25,040
Speaker 1: skip any of those chapters. Nothing is ever a waste

1123
00:53:25,120 --> 00:53:28,560
Speaker 1: if you learn something, and there's something about the passage

1124
00:53:28,560 --> 00:53:31,120
Speaker 1: of time that actually makes the dream possible. If you

1125
00:53:31,239 --> 00:53:33,959
Speaker 1: tried any earlier, the world might not have been.

1126
00:53:33,880 --> 00:53:34,480
Speaker 3: Ready for it.

1127
00:53:34,480 --> 00:53:37,040
Speaker 2: It just wasn't going to work. Like you are exactly

1128
00:53:37,080 --> 00:53:39,000
Speaker 2: where you are supposed to be. And I think that

1129
00:53:39,080 --> 00:53:41,680
Speaker 2: I always get, you know, a lot of solace out

1130
00:53:41,719 --> 00:53:44,560
Speaker 2: of that because sometimes life is hard, and you know,

1131
00:53:44,719 --> 00:53:47,640
Speaker 2: like now that I've quote made it, which lots of

1132
00:53:47,680 --> 00:53:50,320
Speaker 2: people say, like Forbes thirty under thirty like, way to

1133
00:53:50,360 --> 00:53:54,719
Speaker 2: put more pressure on me, guys, Oh my gosh. People

1134
00:53:54,760 --> 00:53:57,120
Speaker 2: are like, well, where too next. I'm like, I don't know,

1135
00:53:57,680 --> 00:54:01,880
Speaker 2: Like I was in bed, I don't know what am

1136
00:54:01,880 --> 00:54:04,280
Speaker 2: I supposed to do now, Like you guys are putting

1137
00:54:04,280 --> 00:54:07,040
Speaker 2: so much pressure on me to perform now. And I

1138
00:54:07,040 --> 00:54:09,040
Speaker 2: think that you don't see it from that aspect, But

1139
00:54:09,239 --> 00:54:11,800
Speaker 2: I think that the solace in knowing that I'm exactly

1140
00:54:11,840 --> 00:54:14,120
Speaker 2: where I need to be right now in this moment,

1141
00:54:14,280 --> 00:54:17,600
Speaker 2: and that I, you know, am serving my purpose and

1142
00:54:17,719 --> 00:54:20,680
Speaker 2: you know, I just want to live every day as

1143
00:54:20,840 --> 00:54:24,560
Speaker 2: me and that is you know, that's what I prioritize.

1144
00:54:24,560 --> 00:54:26,480
Speaker 2: And I think that you know, people always like, oh

1145
00:54:26,480 --> 00:54:30,840
Speaker 2: my gosh, like you must hustle so hard. Yeah, Like,

1146
00:54:30,920 --> 00:54:33,640
Speaker 2: I guess I work a lot, but like I also

1147
00:54:33,719 --> 00:54:35,840
Speaker 2: really love a wine on the couch with my partner.

1148
00:54:35,880 --> 00:54:37,719
Speaker 2: And I've got two cats and a dog and I

1149
00:54:37,760 --> 00:54:40,200
Speaker 2: just love spending time with them. And you know, I

1150
00:54:40,239 --> 00:54:42,560
Speaker 2: love spending time with my parents and my sister. And

1151
00:54:42,880 --> 00:54:45,560
Speaker 2: you know, it's I'm not who people seem to think

1152
00:54:45,600 --> 00:54:47,760
Speaker 2: I am. And I think that that's a really important

1153
00:54:47,800 --> 00:54:50,759
Speaker 2: thing to remember. That we've all got lives outside of

1154
00:54:50,760 --> 00:54:52,759
Speaker 2: what you see on social media and what you hear

1155
00:54:52,800 --> 00:54:56,200
Speaker 2: on a podcast, and you know, nothing happens overnight, Like

1156
00:54:56,239 --> 00:54:58,880
Speaker 2: I didn't just end up with this massive podcast where

1157
00:54:59,280 --> 00:55:01,759
Speaker 2: you know, millions of people listen and thankfully I'm really

1158
00:55:01,760 --> 00:55:04,160
Speaker 2: grateful for this week and put advertising on and you know,

1159
00:55:04,480 --> 00:55:07,080
Speaker 2: create a revenue stream from that so I can employ

1160
00:55:07,280 --> 00:55:10,000
Speaker 2: people like I had to pay for the first season.

1161
00:55:10,280 --> 00:55:14,080
Speaker 2: It was really expensive. It was really expensive, and I

1162
00:55:14,080 --> 00:55:17,120
Speaker 2: didn't know that you could do podcast advertising. I remember

1163
00:55:17,120 --> 00:55:18,719
Speaker 2: when I first got approached and I was like, what

1164
00:55:19,320 --> 00:55:19,759
Speaker 2: you can do?

1165
00:55:19,960 --> 00:55:23,440
Speaker 3: What I can make, I can break even you're very.

1166
00:55:23,520 --> 00:55:27,040
Speaker 2: Joking, Like, I just remember that was never the intention.

1167
00:55:27,120 --> 00:55:29,319
Speaker 2: I didn't even know that was an opportunity. And to

1168
00:55:29,400 --> 00:55:31,160
Speaker 2: be honest, I think that in a space where we

1169
00:55:31,200 --> 00:55:34,200
Speaker 2: are talking about money, had I had that intention, it

1170
00:55:34,320 --> 00:55:36,840
Speaker 2: just wouldn't have worked anyway. So I think that my

1171
00:55:37,040 --> 00:55:42,000
Speaker 2: naivity at that time actually served us really well, which

1172
00:55:42,040 --> 00:55:45,000
Speaker 2: is also a very very common theme in this podcast

1173
00:55:45,040 --> 00:55:47,960
Speaker 2: that actually naivity sometimes is better because otherwise you would

1174
00:55:48,000 --> 00:55:50,680
Speaker 2: overthink it with too much knowledge and awareness, Like maybe

1175
00:55:50,680 --> 00:55:52,640
Speaker 2: you wouldn't rip the band aid the same way that you.

1176
00:55:52,560 --> 00:55:56,880
Speaker 1: Did literally well, I do actually want to ask you

1177
00:55:56,920 --> 00:55:59,680
Speaker 1: about that whole productivity pressure, and I have a tiny

1178
00:55:59,680 --> 00:56:02,960
Speaker 1: bit de into your identity outside if she's on the money,

1179
00:56:03,000 --> 00:56:04,680
Speaker 1: because I think it is really important that we all

1180
00:56:04,680 --> 00:56:07,799
Speaker 1: have a plata as you know. But six days out

1181
00:56:07,840 --> 00:56:10,600
Speaker 1: at the time of recording from this beautiful book actually

1182
00:56:10,640 --> 00:56:11,480
Speaker 1: coming into the world.

1183
00:56:11,400 --> 00:56:14,759
Speaker 2: It's wild. It's less than really, I believe you feel

1184
00:56:14,800 --> 00:56:16,040
Speaker 2: like I'm having a baby.

1185
00:56:16,239 --> 00:56:18,959
Speaker 1: You are actually Actually that is actually what you're doing,

1186
00:56:19,040 --> 00:56:21,279
Speaker 1: except that more people are going to touch it and

1187
00:56:21,400 --> 00:56:23,239
Speaker 1: feel it and have it in their homes than your

1188
00:56:23,320 --> 00:56:24,120
Speaker 1: actual child.

1189
00:56:24,200 --> 00:56:26,640
Speaker 2: There's actually no pain, like I don't have to go

1190
00:56:26,760 --> 00:56:28,160
Speaker 2: through the birthing process.

1191
00:56:28,239 --> 00:56:30,920
Speaker 3: You kind of don though you've had a long pregnancy.

1192
00:56:31,000 --> 00:56:32,040
Speaker 2: Yeah, I cried a lot.

1193
00:56:33,360 --> 00:56:36,359
Speaker 1: I think it is no shit, the book that we

1194
00:56:36,480 --> 00:56:39,680
Speaker 1: all need so much, like it is filling a gap

1195
00:56:39,760 --> 00:56:41,600
Speaker 1: you can safely say, which not many authors can say.

1196
00:56:41,600 --> 00:56:43,600
Speaker 1: That you're actually putting something out into the world that

1197
00:56:43,680 --> 00:56:48,600
Speaker 1: doesn't exist, and that speaks to a whole, huge portion

1198
00:56:48,719 --> 00:56:50,160
Speaker 1: of the world's population in a way that no one

1199
00:56:50,200 --> 00:56:53,040
Speaker 1: else speaks to them, which is so exciting. If you

1200
00:56:53,200 --> 00:56:56,880
Speaker 1: had to distill just quickly for us, the three biggest

1201
00:56:56,920 --> 00:57:00,680
Speaker 1: tips you would say to a financial newbie, and the

1202
00:57:00,760 --> 00:57:04,440
Speaker 1: three biggest myths that you bust or the myth that

1203
00:57:04,520 --> 00:57:07,879
Speaker 1: you hear constantly, what would they be?

1204
00:57:08,040 --> 00:57:10,320
Speaker 3: Just as a little taster, no crush.

1205
00:57:10,400 --> 00:57:13,960
Speaker 1: I know, I know, because obviously people can go and

1206
00:57:14,000 --> 00:57:15,839
Speaker 1: get you know, do their own further research and listen

1207
00:57:15,840 --> 00:57:17,120
Speaker 1: to the pod and buy the book, which of course

1208
00:57:17,160 --> 00:57:17,720
Speaker 1: we want them to do.

1209
00:57:17,800 --> 00:57:20,240
Speaker 2: But just a taster, okay. So I think the first

1210
00:57:20,240 --> 00:57:22,360
Speaker 2: thing is understanding your money story. It is the first

1211
00:57:22,400 --> 00:57:26,120
Speaker 2: chapter in my book. And if you don't understand who

1212
00:57:26,160 --> 00:57:29,080
Speaker 2: you are and where you want to go and where

1213
00:57:29,120 --> 00:57:31,600
Speaker 2: you're coming from, how on earth do you think you're

1214
00:57:31,600 --> 00:57:33,440
Speaker 2: going to get anywhere? Like you were going to fall

1215
00:57:33,480 --> 00:57:36,320
Speaker 2: off track if you start budgeting like somebody else because

1216
00:57:36,360 --> 00:57:39,000
Speaker 2: that's their plan, is not your plan. And I think

1217
00:57:39,000 --> 00:57:41,760
Speaker 2: that understanding your money story and giving yourself time to

1218
00:57:41,840 --> 00:57:45,960
Speaker 2: process why your thoughts, values, beliefs, and behaviors around money

1219
00:57:46,000 --> 00:57:48,440
Speaker 2: are the way they are is really going to serve

1220
00:57:48,480 --> 00:57:50,439
Speaker 2: you well. And I think a lot of people would

1221
00:57:50,480 --> 00:57:52,320
Speaker 2: have just jumped into like here's a hot money tip

1222
00:57:52,360 --> 00:57:57,120
Speaker 2: in mind's like just to understand you like that thing

1223
00:57:57,240 --> 00:58:00,600
Speaker 2: to do? So that would be hot to number one

1224
00:58:00,760 --> 00:58:03,600
Speaker 2: hot tip Number two is to understand your budget and

1225
00:58:03,640 --> 00:58:07,160
Speaker 2: cash flow and stop seeing your budget as restrictive and

1226
00:58:07,280 --> 00:58:10,360
Speaker 2: start seeing it as a way that you can personally

1227
00:58:10,480 --> 00:58:12,960
Speaker 2: make sure that your money is flowing in line with

1228
00:58:13,040 --> 00:58:16,080
Speaker 2: your values and your beliefs. Like how cool is it

1229
00:58:16,120 --> 00:58:18,720
Speaker 2: that we get to make sure that that comes to life,

1230
00:58:19,080 --> 00:58:22,680
Speaker 2: Like we have an opportunity here. It's not about saying, oh, well, okay,

1231
00:58:22,760 --> 00:58:24,880
Speaker 2: next week, I'm only going to spend seventy dollars on

1232
00:58:24,960 --> 00:58:27,680
Speaker 2: groceries because I read that that was a pretty good number.

1233
00:58:27,840 --> 00:58:30,920
Speaker 2: Like sorry, if food spucks your joy, and that is

1234
00:58:30,960 --> 00:58:33,120
Speaker 2: the one thing that you adore, and you know, my

1235
00:58:33,240 --> 00:58:36,000
Speaker 2: partner and I love cooking and I love food. Like

1236
00:58:36,080 --> 00:58:37,960
Speaker 2: if you said I really had seventy dollars in a week,

1237
00:58:37,960 --> 00:58:40,240
Speaker 2: I'd be like, hi, Sarah, So you can just put

1238
00:58:40,280 --> 00:58:43,600
Speaker 2: that opinion right in the bin over there and put

1239
00:58:43,600 --> 00:58:47,160
Speaker 2: that straight outside, because I couldn't do that. You might,

1240
00:58:47,480 --> 00:58:49,680
Speaker 2: because you might have other values and things that you're

1241
00:58:49,720 --> 00:58:52,120
Speaker 2: working towards, but I don't want you to take those

1242
00:58:52,120 --> 00:58:53,960
Speaker 2: things off me. And that's why in the book I

1243
00:58:54,000 --> 00:58:57,480
Speaker 2: never talk about percentages, and frustratingly, I'm sorry. I don't

1244
00:58:57,480 --> 00:58:59,960
Speaker 2: say things like oh, well, you need to save two

1245
00:59:00,000 --> 00:59:04,360
Speaker 2: twenty percent of your income, because that's really unfair. What

1246
00:59:04,440 --> 00:59:07,280
Speaker 2: if you earn forty thousand dollars and you have a child,

1247
00:59:07,360 --> 00:59:10,360
Speaker 2: like you can't save twenty percent, and that's a really

1248
00:59:10,480 --> 00:59:13,840
Speaker 2: unfair expectation that I'd put on you. Whereas conversely, if

1249
00:59:13,840 --> 00:59:16,200
Speaker 2: someone reads this and they earn four hundred thousand dollars,

1250
00:59:16,440 --> 00:59:18,640
Speaker 2: you best believe I'd be expecting them to save a

1251
00:59:18,640 --> 00:59:21,080
Speaker 2: lot more than twenty percent because their cash flow is

1252
00:59:21,120 --> 00:59:24,800
Speaker 2: so high. So it is not fair to put percentages

1253
00:59:24,840 --> 00:59:27,240
Speaker 2: on people. And that's why I want you to understand

1254
00:59:27,360 --> 00:59:31,000
Speaker 2: your budget. And a budget is not a spending plan.

1255
00:59:31,240 --> 00:59:34,080
Speaker 2: It is not a you know, a reflection of how

1256
00:59:34,160 --> 00:59:36,960
Speaker 2: much you're allocating to each area. It's actually understanding what's

1257
00:59:37,000 --> 00:59:38,920
Speaker 2: coming into your bank account and what's going out of

1258
00:59:38,960 --> 00:59:40,880
Speaker 2: your bank account and whether it flows in line with

1259
00:59:40,920 --> 00:59:44,240
Speaker 2: your values. And then the third thing is a bit

1260
00:59:44,280 --> 00:59:47,280
Speaker 2: of a pivot from there, and that's understanding your superannuation.

1261
00:59:47,840 --> 00:59:51,560
Speaker 2: And your super is so powerful, like your super is

1262
00:59:51,720 --> 00:59:55,680
Speaker 2: literally you guys at this point in time, investing a

1263
00:59:55,680 --> 00:59:58,640
Speaker 2: minimum of nine point five percent each and every single month,

1264
00:59:58,880 --> 01:00:00,880
Speaker 2: like not many of us could that. We've been doing

1265
01:00:00,880 --> 01:00:03,280
Speaker 2: that since we started working when in reality, that's what

1266
01:00:03,320 --> 01:00:05,440
Speaker 2: we are doing. And it is your money, and you

1267
01:00:05,560 --> 01:00:07,360
Speaker 2: need to care about it, and you need to make

1268
01:00:07,400 --> 01:00:09,680
Speaker 2: sure that it is working in line with your values,

1269
01:00:09,960 --> 01:00:12,040
Speaker 2: but also that it is working as hard as you

1270
01:00:12,120 --> 01:00:15,080
Speaker 2: do for it. Yeah, you can't touch it until you retire,

1271
01:00:15,400 --> 01:00:18,000
Speaker 2: but that's what's going to prop up your retirement. So

1272
01:00:18,040 --> 01:00:21,720
Speaker 2: we need to start caring about that now. Because you know,

1273
01:00:21,840 --> 01:00:23,960
Speaker 2: a good example, and I do use this in the book,

1274
01:00:24,840 --> 01:00:27,200
Speaker 2: is if you started investing five hundred dollars a month

1275
01:00:27,200 --> 01:00:29,680
Speaker 2: as a twenty year old, at the time you retire,

1276
01:00:29,720 --> 01:00:32,960
Speaker 2: you'd have an investment portfolio worth one point two million dollars.

1277
01:00:33,160 --> 01:00:35,840
Speaker 2: And that one point two million dollars if you had

1278
01:00:35,880 --> 01:00:38,280
Speaker 2: only saved five hundred dollars a month, you would have

1279
01:00:38,320 --> 01:00:41,760
Speaker 2: two hundred and forty thousand dollars. But you could literally

1280
01:00:41,880 --> 01:00:44,880
Speaker 2: have essentially a million dollars more if it was invested

1281
01:00:44,920 --> 01:00:48,640
Speaker 2: instead of just saved. And the special thing about a

1282
01:00:48,760 --> 01:00:52,600
Speaker 2: one point two million dollar portfolio is that it will

1283
01:00:52,680 --> 01:00:56,240
Speaker 2: generate you a passive income or average of sixty thousand dollars.

1284
01:00:56,520 --> 01:00:58,480
Speaker 2: Like what you're going to have a passive income of

1285
01:00:58,520 --> 01:01:01,840
Speaker 2: sixty grand when you retire. You just start saving like

1286
01:01:02,120 --> 01:01:04,800
Speaker 2: five hundred bucks a month, that's wild. But if I

1287
01:01:04,840 --> 01:01:06,920
Speaker 2: then said the same thing and said, hey, Sarah, do

1288
01:01:06,960 --> 01:01:08,960
Speaker 2: you want to retire with one point two million dollars?

1289
01:01:08,960 --> 01:01:11,240
Speaker 2: But you know you haven't really prioritized it and you're

1290
01:01:11,280 --> 01:01:14,160
Speaker 2: now fifty, great, Like, let's work towards that. Have you

1291
01:01:14,200 --> 01:01:17,400
Speaker 2: got seven and a half thousand dollars a month to save? Like,

1292
01:01:17,520 --> 01:01:18,200
Speaker 2: can you do that?

1293
01:01:18,680 --> 01:01:19,520
Speaker 3: It's wild.

1294
01:01:19,840 --> 01:01:23,280
Speaker 2: The difference between putting it first and really understanding it

1295
01:01:23,320 --> 01:01:26,000
Speaker 2: while we're young means we just make a few small changes,

1296
01:01:26,040 --> 01:01:29,280
Speaker 2: set up some really good habits, and keep consistent with

1297
01:01:29,320 --> 01:01:33,080
Speaker 2: those habits. Whereas if I get to you too late, well,

1298
01:01:33,160 --> 01:01:35,320
Speaker 2: we actually have to be really aggressive, and at that

1299
01:01:35,440 --> 01:01:38,880
Speaker 2: point we have to significantly compromise our lifestyles and sell

1300
01:01:38,920 --> 01:01:41,480
Speaker 2: assets that we might have, and you know, create a

1301
01:01:41,520 --> 01:01:43,560
Speaker 2: way to make that work. And nobody has seven and

1302
01:01:43,600 --> 01:01:46,400
Speaker 2: a half thousand dollars of free cash flow to invest.

1303
01:01:46,840 --> 01:01:50,000
Speaker 2: So I think it is really important to start prioritizing

1304
01:01:50,040 --> 01:01:52,240
Speaker 2: souper now because that's what it can do for you. Like,

1305
01:01:52,280 --> 01:01:54,640
Speaker 2: that's pretty sexy if you ask me, Oh.

1306
01:01:54,520 --> 01:01:57,600
Speaker 1: My god, you have Like that was my favorite chapter

1307
01:01:58,040 --> 01:02:00,240
Speaker 1: and I was reading it like shrinking into my a

1308
01:02:00,240 --> 01:02:03,120
Speaker 1: little bit because you do it in such a non

1309
01:02:03,160 --> 01:02:03,760
Speaker 1: judgmental way.

1310
01:02:03,800 --> 01:02:06,480
Speaker 3: I wasn't feeling any shame, but I was like Jesus.

1311
01:02:06,120 --> 01:02:11,920
Speaker 2: Christ, and like the example of doing it at twenty

1312
01:02:12,200 --> 01:02:15,400
Speaker 2: is it even makes me feel a little bit attacked

1313
01:02:15,400 --> 01:02:19,840
Speaker 2: because I definitely wasn't saving five hundred. I'm kind of like, hey,

1314
01:02:19,920 --> 01:02:22,240
Speaker 2: here's this missed opportunity that I missed that I hope

1315
01:02:22,280 --> 01:02:27,880
Speaker 2: you don't. But it's really important to understand why we're

1316
01:02:27,880 --> 01:02:30,960
Speaker 2: doing these things because so many times people are like, oh, retirement,

1317
01:02:30,960 --> 01:02:35,000
Speaker 2: I don't care about that, but yeah, sure, yeah, and

1318
01:02:35,040 --> 01:02:37,600
Speaker 2: we look at our parents and go that so far off.

1319
01:02:37,680 --> 01:02:39,960
Speaker 2: But if you ask them, hey, do you remember when

1320
01:02:39,960 --> 01:02:42,000
Speaker 2: you were thirty, they'll be like, oh, like it was yesterday,

1321
01:02:42,280 --> 01:02:45,920
Speaker 2: Like time flies, and you know, future us need to

1322
01:02:45,960 --> 01:02:50,200
Speaker 2: be cared for, like it's it's crazy and yeah, And.

1323
01:02:50,160 --> 01:02:52,480
Speaker 1: What about the myths that you hear or just more

1324
01:02:52,600 --> 01:02:55,560
Speaker 1: like the most common thing that people sort of Look.

1325
01:02:55,440 --> 01:02:57,560
Speaker 2: I've got a good myth for you, and that is

1326
01:02:57,600 --> 01:03:00,600
Speaker 2: that you need a good credit score, and to get

1327
01:03:00,640 --> 01:03:03,440
Speaker 2: a good credit score, you need to have credit cards.

1328
01:03:03,880 --> 01:03:07,520
Speaker 2: And that is absolutely not true. So to get a

1329
01:03:07,520 --> 01:03:09,480
Speaker 2: good credit score, you just need to pay your debts

1330
01:03:09,600 --> 01:03:11,560
Speaker 2: and you know, make sure that you don't default on

1331
01:03:11,600 --> 01:03:13,960
Speaker 2: your phone plan and make sure that all the bills

1332
01:03:13,960 --> 01:03:17,360
Speaker 2: that you get are paid on time and consistently. I

1333
01:03:17,360 --> 01:03:20,400
Speaker 2: think it's really interesting and it's such an American idea

1334
01:03:20,600 --> 01:03:23,480
Speaker 2: that you need to have a credit card to develop

1335
01:03:23,480 --> 01:03:26,160
Speaker 2: a credit score is absolutely not the case. And too

1336
01:03:26,160 --> 01:03:28,760
Speaker 2: many times do people fall down this slippery slope of

1337
01:03:28,800 --> 01:03:30,480
Speaker 2: getting it because they're like, oh, but one day, I

1338
01:03:30,480 --> 01:03:31,560
Speaker 2: want to buy a house and I want to have

1339
01:03:31,560 --> 01:03:34,200
Speaker 2: good credit, and it's actually putting you behind because having

1340
01:03:34,240 --> 01:03:36,400
Speaker 2: a credit card is actually a reflection of the fact

1341
01:03:36,480 --> 01:03:39,560
Speaker 2: that you're not that good at prioritizing your budget and

1342
01:03:39,640 --> 01:03:43,760
Speaker 2: saving for things, and that's actually not that sexy. And yeah,

1343
01:03:43,800 --> 01:03:46,120
Speaker 2: I think that that's something that a lot of us

1344
01:03:46,120 --> 01:03:49,560
Speaker 2: still believe in. And the second about buy now, pay later.

1345
01:03:49,960 --> 01:03:51,960
Speaker 2: I know that there's a lot going around at the

1346
01:03:52,000 --> 01:03:55,200
Speaker 2: moment about how quote doesn't impact your credit score, and

1347
01:03:55,200 --> 01:03:59,600
Speaker 2: they're running mythbusting. Literally it's doing me up the wall

1348
01:03:59,680 --> 01:04:04,720
Speaker 2: because they are running myth busting advertising campaigns where they're like, oh,

1349
01:04:04,760 --> 01:04:09,640
Speaker 2: it's a myth that this product actually impacts your credit score,

1350
01:04:09,720 --> 01:04:12,360
Speaker 2: and you're like, they're not wrong in that it only

1351
01:04:12,400 --> 01:04:15,000
Speaker 2: impacts your credit score if you default on a payment,

1352
01:04:15,320 --> 01:04:17,520
Speaker 2: which happens a lot, if you let it get out

1353
01:04:17,520 --> 01:04:20,800
Speaker 2: of hand, and it's only going to impact you negatively

1354
01:04:21,200 --> 01:04:24,240
Speaker 2: if you actually aren't using it properly, or you find

1355
01:04:24,280 --> 01:04:27,560
Speaker 2: yourself not able to make that month's repayments and it's

1356
01:04:27,760 --> 01:04:30,600
Speaker 2: just a little irresponsible. So for me, that is a

1357
01:04:30,640 --> 01:04:33,120
Speaker 2: myth that does impact your credit score because too many

1358
01:04:33,160 --> 01:04:35,439
Speaker 2: times we miss a payment or forget to transfer money

1359
01:04:35,480 --> 01:04:37,720
Speaker 2: into the account that it's direct debited from, and most

1360
01:04:37,720 --> 01:04:39,880
Speaker 2: of the time we're not trying to do the wrong thing.

1361
01:04:40,040 --> 01:04:43,000
Speaker 2: You just slipped up, and that does get tracked. But

1362
01:04:43,920 --> 01:04:46,640
Speaker 2: when it comes to getting a mortgage, if that's aligned

1363
01:04:46,640 --> 01:04:49,840
Speaker 2: to your values getting a mortgage, they do look at

1364
01:04:49,840 --> 01:04:52,880
Speaker 2: by now pay later schemes and platforms. They see it

1365
01:04:52,920 --> 01:04:54,840
Speaker 2: as you not being able to manage your cash flow.

1366
01:04:55,400 --> 01:04:57,840
Speaker 2: So it's as much as it might not impact your

1367
01:04:57,840 --> 01:05:00,720
Speaker 2: credit history, it is definitely on your banks statements and

1368
01:05:00,920 --> 01:05:04,120
Speaker 2: thanks when they are giving your mortgage review all of that.

1369
01:05:04,840 --> 01:05:07,720
Speaker 2: So for me, I think that those are probably two myths.

1370
01:05:07,720 --> 01:05:09,240
Speaker 2: I can't think of another one off the top of

1371
01:05:09,280 --> 01:05:09,680
Speaker 2: my head.

1372
01:05:09,800 --> 01:05:12,680
Speaker 1: I've got a third statistic or what is that it's

1373
01:05:12,680 --> 01:05:15,920
Speaker 1: from that section, which I found really interesting along with

1374
01:05:15,960 --> 01:05:19,120
Speaker 1: that myth busting about that the American perception of needing

1375
01:05:19,120 --> 01:05:21,840
Speaker 1: a credit card was that I can't remember the exact statistic,

1376
01:05:21,920 --> 01:05:25,400
Speaker 1: but just the buying behavior when you have a credit card,

1377
01:05:25,400 --> 01:05:28,040
Speaker 1: that the average purchase on a credit card is like

1378
01:05:28,040 --> 01:05:30,440
Speaker 1: one hundred and four dollars something, yeah, but if you

1379
01:05:30,440 --> 01:05:33,000
Speaker 1: did it on an f POS card, it's like fourteen dollars.

1380
01:05:33,160 --> 01:05:35,960
Speaker 1: So the mentality of having a credit card is that

1381
01:05:36,000 --> 01:05:40,040
Speaker 1: you spend, like, you just spend times as much, yeah,

1382
01:05:40,080 --> 01:05:42,200
Speaker 1: as money when it's your money that you have to

1383
01:05:42,200 --> 01:05:43,120
Speaker 1: have in that account.

1384
01:05:43,200 --> 01:05:45,440
Speaker 3: And how bizarrely you think you're.

1385
01:05:45,280 --> 01:05:47,320
Speaker 1: On an even playing field that you'll get you know,

1386
01:05:47,360 --> 01:05:49,439
Speaker 1: your points, but you'll pay it off from the cash

1387
01:05:49,440 --> 01:05:51,640
Speaker 1: that you've got, and it doesn't operate that way.

1388
01:05:51,840 --> 01:05:54,880
Speaker 2: And that's crazy, right, Like I feel like it's actually

1389
01:05:55,000 --> 01:05:59,960
Speaker 2: crazy that, you know, so many times we just don't

1390
01:06:00,080 --> 01:06:01,840
Speaker 2: assume that, Like if you've got a credit card, you'd

1391
01:06:01,880 --> 01:06:04,280
Speaker 2: be like, I'm not spending more. But I guarantee you

1392
01:06:04,360 --> 01:06:06,440
Speaker 2: if I made you get one hundred dollars out of

1393
01:06:06,440 --> 01:06:09,240
Speaker 2: the bank, and that was how much you only had

1394
01:06:09,360 --> 01:06:11,840
Speaker 2: in your hands to spend all groceries this week. You

1395
01:06:11,880 --> 01:06:14,160
Speaker 2: would be so much more conscious walking around to the

1396
01:06:14,200 --> 01:06:16,680
Speaker 2: supermarket picking up things and putting it in your trolley

1397
01:06:16,800 --> 01:06:18,960
Speaker 2: because you know that's all you've got, whereas when you

1398
01:06:19,000 --> 01:06:20,720
Speaker 2: have a credit card, you're like, oh whatever, like it's

1399
01:06:20,720 --> 01:06:22,960
Speaker 2: not a thing, Like I don't mind you, Like I've

1400
01:06:23,000 --> 01:06:25,400
Speaker 2: got this budget in my head and like hopefully it's

1401
01:06:25,440 --> 01:06:28,280
Speaker 2: about that. But you just have a different mentality and

1402
01:06:28,320 --> 01:06:31,720
Speaker 2: it is a different mindset, and yeah, it's really frustrating

1403
01:06:33,040 --> 01:06:36,160
Speaker 2: because you just trust you feel a bit stooged. Yea.

1404
01:06:38,000 --> 01:06:41,120
Speaker 1: Oh well, our very last section is playda as I

1405
01:06:41,160 --> 01:06:43,320
Speaker 1: mentioned before, where I would love to talk about all

1406
01:06:43,360 --> 01:06:45,080
Speaker 1: the things that all the sides of you that aren't

1407
01:06:45,280 --> 01:06:47,600
Speaker 1: finance related. And it's hard when your job and your

1408
01:06:47,600 --> 01:06:51,040
Speaker 1: person is something that does touch kind of areas of

1409
01:06:51,080 --> 01:06:54,080
Speaker 1: everyday life, like literally everything could give you a new idea,

1410
01:06:54,280 --> 01:06:56,480
Speaker 1: and you have to live on the internet and on

1411
01:06:56,520 --> 01:06:58,720
Speaker 1: social media to you know, keep up with your job,

1412
01:06:58,760 --> 01:07:01,600
Speaker 1: which means it similar to me, like we're always looking

1413
01:07:01,640 --> 01:07:03,680
Speaker 1: for the idea in something because we we're a type

1414
01:07:03,680 --> 01:07:06,400
Speaker 1: personalities that love to just deliver to our audience. And

1415
01:07:06,440 --> 01:07:09,760
Speaker 1: you mentioned before that productivity pressure as well as a book.

1416
01:07:09,760 --> 01:07:12,960
Speaker 3: You've just started two more podcasts.

1417
01:07:12,480 --> 01:07:15,200
Speaker 1: On top of that go Home that you already do

1418
01:07:15,360 --> 01:07:17,360
Speaker 1: for the one that you have, Like, we.

1419
01:07:17,480 --> 01:07:20,480
Speaker 2: Literally have a podcast a day now. It is insane.

1420
01:07:22,080 --> 01:07:24,440
Speaker 1: And you've just got a new platform that you developed.

1421
01:07:24,920 --> 01:07:26,200
Speaker 3: You have one every day.

1422
01:07:26,360 --> 01:07:29,520
Speaker 2: So between all three podcasts, we've got Monday, Wednesday, Friday

1423
01:07:29,560 --> 01:07:32,000
Speaker 2: where she's on the Money. You've got the Property Playbook

1424
01:07:32,040 --> 01:07:34,760
Speaker 2: on Tuesdays and the Business Bible on Thursdays.

1425
01:07:35,320 --> 01:07:37,720
Speaker 1: Wow, So this section is redundant because it's like, wait,

1426
01:07:37,760 --> 01:07:40,360
Speaker 1: there are no minutes left for her to do anything the.

1427
01:07:40,480 --> 01:07:42,000
Speaker 3: House, Oh my gosh.

1428
01:07:42,040 --> 01:07:44,320
Speaker 2: No. And then we do bonus episodes because they just

1429
01:07:44,360 --> 01:07:46,320
Speaker 2: get too excited and like, oh my gosh, can we

1430
01:07:46,320 --> 01:07:49,400
Speaker 2: put this up? And my team are literally they are

1431
01:07:49,480 --> 01:07:51,880
Speaker 2: angels and they look after me so well. But I

1432
01:07:51,920 --> 01:07:54,920
Speaker 2: am absolutely certain that they don't like me because.

1433
01:07:57,440 --> 01:07:58,760
Speaker 3: But this is a hard thing as well.

1434
01:07:58,760 --> 01:08:01,000
Speaker 1: When you love what you do and you actually genuinely

1435
01:08:01,040 --> 01:08:03,640
Speaker 1: get excited about the content that you're creating, that gives

1436
01:08:03,640 --> 01:08:06,720
Speaker 1: you even less incentive to have space in your life

1437
01:08:06,800 --> 01:08:07,360
Speaker 1: outside of it.

1438
01:08:07,400 --> 01:08:09,920
Speaker 2: Exactly, So how do you do that?

1439
01:08:09,960 --> 01:08:13,919
Speaker 1: Like, especially when the momentum from your community, like there's

1440
01:08:14,000 --> 01:08:16,760
Speaker 1: actual demand you know, some people have trouble with productivity

1441
01:08:16,840 --> 01:08:20,080
Speaker 1: and rest and downtime even when there's not literal dms

1442
01:08:20,120 --> 01:08:21,080
Speaker 1: like when is the next.

1443
01:08:20,920 --> 01:08:21,720
Speaker 3: Episode coming down?

1444
01:08:21,960 --> 01:08:22,280
Speaker 2: Study?

1445
01:08:22,520 --> 01:08:24,280
Speaker 3: Actually, how do.

1446
01:08:24,240 --> 01:08:26,120
Speaker 1: You do things that are just for joy and that

1447
01:08:26,200 --> 01:08:29,479
Speaker 1: are separate from finance and separate from podcasting and that are.

1448
01:08:29,360 --> 01:08:29,720
Speaker 3: Just for you.

1449
01:08:29,840 --> 01:08:31,840
Speaker 2: Yeah, you have to plan it right, like you have

1450
01:08:31,960 --> 01:08:36,320
Speaker 2: to actually make it planned. And you know, I used

1451
01:08:36,320 --> 01:08:38,160
Speaker 2: to be that person that put a lot of pressure

1452
01:08:38,160 --> 01:08:39,760
Speaker 2: on myself and I got up at four thirty in

1453
01:08:39,800 --> 01:08:41,080
Speaker 2: the morning and I'd go to the gym and then

1454
01:08:41,120 --> 01:08:43,120
Speaker 2: I'd be at work by seven, and I would run

1455
01:08:43,200 --> 01:08:46,799
Speaker 2: my life very like clockwork. But I wasn't that happy.

1456
01:08:46,960 --> 01:08:49,479
Speaker 2: And now you best believe I do not show up

1457
01:08:49,520 --> 01:08:52,040
Speaker 2: to the office until at least ten thirty most mornings.

1458
01:08:52,160 --> 01:08:54,960
Speaker 3: And ooh, that's amazing.

1459
01:08:55,200 --> 01:08:58,800
Speaker 2: My partner and I prioritize making sure that we go

1460
01:08:58,880 --> 01:09:00,960
Speaker 2: for a walk every morning and get a coffee. And

1461
01:09:00,960 --> 01:09:02,960
Speaker 2: I was saying to you before we started recording that

1462
01:09:03,960 --> 01:09:07,080
Speaker 2: we've got a dog, Lucy, and we got her in December,

1463
01:09:07,320 --> 01:09:09,479
Speaker 2: and you know, we don't ask her if she wants

1464
01:09:09,560 --> 01:09:12,639
Speaker 2: to go for walks like everybody else's dog. We'll say,

1465
01:09:12,680 --> 01:09:13,760
Speaker 2: do you want to go for a walk, and she'll

1466
01:09:13,840 --> 01:09:15,280
Speaker 2: just look at you, like, what are you talking about?

1467
01:09:15,280 --> 01:09:16,479
Speaker 2: But if you say, Lucy, do you want to go

1468
01:09:16,520 --> 01:09:18,640
Speaker 2: for coffee? Like she loses it and runs to the

1469
01:09:18,680 --> 01:09:22,200
Speaker 2: front door. Because that's stephen My thing. Like we go

1470
01:09:22,240 --> 01:09:24,519
Speaker 2: for a coffee and a walk every single morning, Like

1471
01:09:24,600 --> 01:09:27,200
Speaker 2: we do this five k walk together and it's always

1472
01:09:27,200 --> 01:09:29,559
Speaker 2: the same loop because we're really boring, but we also

1473
01:09:29,640 --> 01:09:33,280
Speaker 2: have it well timed and that's our time to have

1474
01:09:33,360 --> 01:09:35,240
Speaker 2: a chat in the mornings and set up our days

1475
01:09:35,280 --> 01:09:38,320
Speaker 2: well and just enjoy it. And I do work really late,

1476
01:09:38,360 --> 01:09:40,960
Speaker 2: and I think our community sees that, but it's not

1477
01:09:41,000 --> 01:09:43,360
Speaker 2: because I'm working twenty four to seven. It's because I've

1478
01:09:43,400 --> 01:09:46,360
Speaker 2: come in late and enjoyed my morning. And you know,

1479
01:09:46,560 --> 01:09:49,320
Speaker 2: lockdown has definitely and COVID has definitely got in the

1480
01:09:49,320 --> 01:09:51,479
Speaker 2: way of me being able to seize the things that

1481
01:09:51,560 --> 01:09:54,439
Speaker 2: I love doing and being able to do them. But

1482
01:09:54,560 --> 01:09:57,559
Speaker 2: when COVID's not a thing, I want to go back

1483
01:09:57,560 --> 01:10:03,919
Speaker 2: to playing netball on Wednesday night. I play socially terribly,

1484
01:10:04,200 --> 01:10:07,000
Speaker 2: mind you, Like I play center and like there is

1485
01:10:07,200 --> 01:10:11,840
Speaker 2: no way, absolutely no way that anybody would ask me

1486
01:10:11,880 --> 01:10:16,200
Speaker 2: to be on their team. But I'm small and I'm

1487
01:10:16,320 --> 01:10:18,360
Speaker 2: pretty good at running, so I feel like I make

1488
01:10:18,360 --> 01:10:20,120
Speaker 2: a pretty good center, Like I'm there.

1489
01:10:20,240 --> 01:10:22,240
Speaker 1: I mean, they're just like the core of the team.

1490
01:10:22,280 --> 01:10:23,960
Speaker 1: You're like holding up the whole team.

1491
01:10:24,400 --> 01:10:26,920
Speaker 2: I wouldn't call it the core. I'm like the little

1492
01:10:26,920 --> 01:10:29,559
Speaker 2: one that runs around and I'm definitely not tall enough

1493
01:10:29,560 --> 01:10:31,960
Speaker 2: to be a shooter or even a defender. So I

1494
01:10:32,000 --> 01:10:34,720
Speaker 2: think I just ended up with that position because they

1495
01:10:34,720 --> 01:10:36,840
Speaker 2: were like, oh, well, she needs to be on the team,

1496
01:10:36,880 --> 01:10:39,599
Speaker 2: but like we're not putting her in that ring, so

1497
01:10:40,320 --> 01:10:42,680
Speaker 2: but she could be the treasurer, so yeah, yeah, yeah

1498
01:10:42,720 --> 01:10:46,960
Speaker 2: we need her, So yeah, I do that. And speaking

1499
01:10:46,960 --> 01:10:50,639
Speaker 2: of treasurer, I'm the treasure out for a charity TLC

1500
01:10:50,840 --> 01:10:54,240
Speaker 2: for Key and I've done it for more than a

1501
01:10:54,320 --> 01:10:58,880
Speaker 2: year now. And yeah, Tim is he's so special. He's

1502
01:10:58,960 --> 01:11:02,439
Speaker 2: one of those people you meet and you just are

1503
01:11:02,439 --> 01:11:05,200
Speaker 2: like are you a unicorn? Like how do you? How

1504
01:11:05,240 --> 01:11:08,120
Speaker 2: do you care? So much? Like he's just such a

1505
01:11:08,160 --> 01:11:10,640
Speaker 2: beautiful person and I'm so grateful to be able to

1506
01:11:10,680 --> 01:11:12,400
Speaker 2: do that. So I do that in my spare time

1507
01:11:12,479 --> 01:11:16,280
Speaker 2: as well. That's literally just a passion, Like TLC is

1508
01:11:16,320 --> 01:11:20,439
Speaker 2: a charity for sick children, and I'm just so passionate

1509
01:11:20,479 --> 01:11:23,080
Speaker 2: about everything they do and so proud of being, you know,

1510
01:11:23,120 --> 01:11:25,640
Speaker 2: a part of their team, and you know, just to

1511
01:11:25,680 --> 01:11:29,639
Speaker 2: be young as well and on. That feels really special

1512
01:11:29,720 --> 01:11:32,640
Speaker 2: because I don't think that that's an opportunity that you know,

1513
01:11:32,840 --> 01:11:35,320
Speaker 2: I ever thought would be extended to me, like to

1514
01:11:35,320 --> 01:11:37,160
Speaker 2: sit on a board, Like what who am I?

1515
01:11:37,479 --> 01:11:38,519
Speaker 3: You're so fancy.

1516
01:11:38,880 --> 01:11:41,280
Speaker 1: I talked about the pedestal at the start, You're literally

1517
01:11:41,360 --> 01:11:42,599
Speaker 1: like getting even higher.

1518
01:11:42,720 --> 01:11:44,120
Speaker 3: Yeah, but it's not the case.

1519
01:11:44,320 --> 01:11:46,640
Speaker 2: It is not the case. Like I do that, you

1520
01:11:46,680 --> 01:11:49,320
Speaker 2: know on the weekends, Like I love hanging out with

1521
01:11:49,360 --> 01:11:53,920
Speaker 2: my family, I love cooking. I am terrible at reforma pilates,

1522
01:11:54,000 --> 01:11:57,040
Speaker 2: but religiously go. I'm that person that they're like, oh,

1523
01:11:57,080 --> 01:11:59,200
Speaker 2: if you could just fix this, And I'm always like

1524
01:11:59,320 --> 01:12:01,960
Speaker 2: stop it, Like I suck. I know I suck, like

1525
01:12:02,160 --> 01:12:03,800
Speaker 2: and I know you know I suck because I've been

1526
01:12:03,840 --> 01:12:06,800
Speaker 2: coming here forever. But this is my joy, So just

1527
01:12:06,880 --> 01:12:09,000
Speaker 2: leave me alone. Yeah, if you could just leave me alone.

1528
01:12:09,080 --> 01:12:10,599
Speaker 2: I'm just trying to be helpy.

1529
01:12:13,080 --> 01:12:14,240
Speaker 3: Oh I love it.

1530
01:12:14,400 --> 01:12:16,599
Speaker 2: I genuinely don't have as much time as I would

1531
01:12:16,760 --> 01:12:20,400
Speaker 2: like to have free. But as my team grows, you know,

1532
01:12:20,439 --> 01:12:23,040
Speaker 2: I'm finding that I'm able to take my hands off

1533
01:12:23,080 --> 01:12:26,360
Speaker 2: things as much as I could. Like twelve months ago,

1534
01:12:26,479 --> 01:12:29,400
Speaker 2: I never ever could have, you know, come into the

1535
01:12:29,400 --> 01:12:32,479
Speaker 2: office at ten thirty in the morning. But now I'm, yeah,

1536
01:12:32,600 --> 01:12:34,680
Speaker 2: creating the life that I want to live. And you know,

1537
01:12:34,800 --> 01:12:36,479
Speaker 2: I'm grateful that I get to do that. But I

1538
01:12:36,520 --> 01:12:39,240
Speaker 2: also get to extend that to my team, and you know,

1539
01:12:39,240 --> 01:12:41,439
Speaker 2: knowing that they get to I just want them to

1540
01:12:41,479 --> 01:12:43,559
Speaker 2: do their work, so like they get to come and go.

1541
01:12:43,680 --> 01:12:46,120
Speaker 2: I feel like we've got this little team of people

1542
01:12:46,120 --> 01:12:48,599
Speaker 2: who are passionate about Sheese on the Money but also

1543
01:12:48,800 --> 01:12:51,439
Speaker 2: have lives outside of Sheese on the Money. I don't

1544
01:12:51,439 --> 01:12:53,880
Speaker 2: want everything to revolve around that.

1545
01:12:54,000 --> 01:12:56,479
Speaker 1: Except you've created such a beautiful environment when you know

1546
01:12:56,520 --> 01:12:58,519
Speaker 1: that they probably do want everything in their life to

1547
01:12:58,560 --> 01:12:59,200
Speaker 1: revolve around that.

1548
01:13:00,000 --> 01:13:03,160
Speaker 2: I'm so kind to honestly, I am so grateful for

1549
01:13:03,280 --> 01:13:07,080
Speaker 2: all of them. And yeah, like being in lockdown, especially

1550
01:13:07,320 --> 01:13:10,559
Speaker 2: for the fourth time, it just reminds us. We always

1551
01:13:10,560 --> 01:13:12,559
Speaker 2: like we're itching to get back to the office to

1552
01:13:12,600 --> 01:13:15,080
Speaker 2: be together, to just hang out together because we're more

1553
01:13:15,080 --> 01:13:18,080
Speaker 2: creative together. We you know, vibe off each other and

1554
01:13:18,200 --> 01:13:21,040
Speaker 2: just enjoy it. And the office dog Lucy, she comes

1555
01:13:21,040 --> 01:13:24,639
Speaker 2: in every day and she's got her own like basket

1556
01:13:24,680 --> 01:13:27,960
Speaker 2: and hangs out and yeah, everyone just gets along and

1557
01:13:28,000 --> 01:13:31,160
Speaker 2: it's definitely not a high pressure environment at all. And

1558
01:13:31,360 --> 01:13:34,040
Speaker 2: I think it keeps you humble and keeps you really

1559
01:13:34,080 --> 01:13:37,080
Speaker 2: down to worth because like when something fancy happens, and

1560
01:13:37,560 --> 01:13:41,320
Speaker 2: I'm very grateful it's happened a lot recently, like with Forbes,

1561
01:13:41,360 --> 01:13:43,360
Speaker 2: and there's been a lot of news articles that have

1562
01:13:43,439 --> 01:13:46,120
Speaker 2: featured us. My team always like, oh, you're a whanker,

1563
01:13:46,280 --> 01:13:49,360
Speaker 2: like this article, like if only they knew the real you.

1564
01:13:49,560 --> 01:13:51,719
Speaker 2: And to be honest, I wouldn't change it for the world,

1565
01:13:51,760 --> 01:13:54,400
Speaker 2: Like I don't want people to think that I'm some

1566
01:13:54,560 --> 01:13:57,120
Speaker 2: fancy person, Like I'm normal. I'm down to earth and

1567
01:13:57,200 --> 01:14:00,479
Speaker 2: like yeah, like I'm just trying to pay my mortgage.

1568
01:14:00,520 --> 01:14:05,560
Speaker 1: Guys, congratulations on having one. By the way, we saw that,

1569
01:14:09,080 --> 01:14:11,200
Speaker 1: or just to finish out, what are three interesting things

1570
01:14:11,200 --> 01:14:14,280
Speaker 1: about you that don't normally come up in conversation And

1571
01:14:14,360 --> 01:14:16,080
Speaker 1: I'm going to have to say that they cannot be

1572
01:14:16,120 --> 01:14:16,960
Speaker 1: finance related.

1573
01:14:18,160 --> 01:14:21,200
Speaker 2: Well, there's nothing interesting when it comes to finance. Who

1574
01:14:21,240 --> 01:14:22,719
Speaker 2: would do that as a job?

1575
01:14:23,120 --> 01:14:26,160
Speaker 3: You shit to talk about money?

1576
01:14:27,160 --> 01:14:31,479
Speaker 2: What have we got? I don't know what makes me interesting.

1577
01:14:31,240 --> 01:14:33,760
Speaker 1: So many things, so many things, And can I also

1578
01:14:33,800 --> 01:14:36,960
Speaker 1: just say, as a little aside, having met when we

1579
01:14:36,960 --> 01:14:40,800
Speaker 1: were both at very different stages, I have always had

1580
01:14:40,840 --> 01:14:44,120
Speaker 1: this sense that you are going places and you have

1581
01:14:44,280 --> 01:14:46,920
Speaker 1: such a passionate energy about what you do, and it's

1582
01:14:46,920 --> 01:14:51,719
Speaker 1: so satisfying. And I don't know quite how to describe

1583
01:14:51,720 --> 01:14:55,240
Speaker 1: the feeling though, to see that all that energy and

1584
01:14:55,280 --> 01:14:59,200
Speaker 1: bars and passion and intellect and potential that when we

1585
01:14:59,240 --> 01:15:01,400
Speaker 1: first met us like, oh man, this woman like you

1586
01:15:01,479 --> 01:15:04,479
Speaker 1: are taking over the world, that you're doing it.

1587
01:15:04,000 --> 01:15:06,559
Speaker 3: Like it has just been such a privilege.

1588
01:15:06,000 --> 01:15:07,400
Speaker 1: To what you know, what you know what I mean though,

1589
01:15:07,400 --> 01:15:10,000
Speaker 1: when you meet someone before the thing that you know

1590
01:15:10,080 --> 01:15:12,360
Speaker 1: them in now to have watched it is such a

1591
01:15:12,400 --> 01:15:15,760
Speaker 1: great privilege because this is what you were destined to do.

1592
01:15:16,200 --> 01:15:18,720
Speaker 2: That is so kind and I feel like I was

1593
01:15:18,840 --> 01:15:21,920
Speaker 2: destined to do it, and it's it's crazy to think

1594
01:15:21,960 --> 01:15:24,120
Speaker 2: we're doing it and it, you know, reiter eats when

1595
01:15:24,160 --> 01:15:26,200
Speaker 2: people say stuff like that to me, it just reminds

1596
01:15:26,240 --> 01:15:27,680
Speaker 2: me that I am doing the right thing, and I

1597
01:15:27,720 --> 01:15:30,040
Speaker 2: am in the right place. And you know, like all

1598
01:15:30,080 --> 01:15:35,280
Speaker 2: of these achievements over the last few months or years

1599
01:15:35,360 --> 01:15:37,519
Speaker 2: or whatever, we want to call it like just to

1600
01:15:37,600 --> 01:15:40,479
Speaker 2: reminds me that whatever we are doing, we're doing it right,

1601
01:15:40,520 --> 01:15:42,439
Speaker 2: and we're in the right space, and we're making the

1602
01:15:42,520 --> 01:15:45,720
Speaker 2: right steps forward and we're having these impacts. And you know,

1603
01:15:45,920 --> 01:15:48,519
Speaker 2: my favorite thing in the entire world is you know,

1604
01:15:48,680 --> 01:15:51,040
Speaker 2: I guess that's an interesting fact. It's not about finance,

1605
01:15:51,080 --> 01:15:52,559
Speaker 2: but it is about she's on the money. Is that

1606
01:15:52,960 --> 01:15:55,519
Speaker 2: when it comes to dms and it comes to you know,

1607
01:15:55,880 --> 01:15:58,080
Speaker 2: managing the socials, like I don't want to let go

1608
01:15:58,160 --> 01:16:00,280
Speaker 2: of that. Like my favorite thing is talking to our

1609
01:16:00,280 --> 01:16:03,160
Speaker 2: community and talking to the people in our DMS who

1610
01:16:03,400 --> 01:16:05,160
Speaker 2: vestage us to be like, hey, I know you might

1611
01:16:05,160 --> 01:16:07,400
Speaker 2: not read this, we do definitely read it, just defoy,

1612
01:16:07,880 --> 01:16:09,559
Speaker 2: but I just want to tell you that I've paid

1613
01:16:09,560 --> 01:16:11,680
Speaker 2: off all my debt because I listened to your podcast

1614
01:16:11,840 --> 01:16:14,120
Speaker 2: or you know, a really special one the other day

1615
01:16:14,280 --> 01:16:17,320
Speaker 2: was that she'd gotten out of a financially abusive relationship

1616
01:16:17,360 --> 01:16:20,000
Speaker 2: and it was because of our episodes on that and

1617
01:16:20,040 --> 01:16:22,160
Speaker 2: she'd you know, saved up and it was a plan

1618
01:16:22,240 --> 01:16:24,640
Speaker 2: that she'd created over the last eight months and that

1619
01:16:24,920 --> 01:16:27,719
Speaker 2: you know, we were integral to that. And that's crazy

1620
01:16:27,760 --> 01:16:30,400
Speaker 2: to think that we're impacting people without even knowing it

1621
01:16:30,439 --> 01:16:32,439
Speaker 2: and they just tell us later they're like, oh, yeah,

1622
01:16:32,439 --> 01:16:35,200
Speaker 2: by the way you did this, Like what I helped

1623
01:16:35,200 --> 01:16:39,200
Speaker 2: you get out of a financially abusive relationship. That's wild. Like,

1624
01:16:39,280 --> 01:16:42,280
Speaker 2: I'm so proud of that, and I don't want us

1625
01:16:42,360 --> 01:16:45,000
Speaker 2: to ever lose that as our driving force and as

1626
01:16:45,040 --> 01:16:48,240
Speaker 2: our priority, because you know, you're right, it's really fancy

1627
01:16:48,280 --> 01:16:51,200
Speaker 2: to be a Forbes thirty under thirty. I don't want that, though.

1628
01:16:51,320 --> 01:16:53,840
Speaker 2: I want the people in my DMS. I want to

1629
01:16:53,920 --> 01:16:56,200
Speaker 2: talk to people about saving I want to talk to

1630
01:16:56,200 --> 01:16:58,320
Speaker 2: people about you know, a savings hack that I made

1631
01:16:58,360 --> 01:16:59,800
Speaker 2: and I made it on PowerPoint, but I made it

1632
01:17:00,439 --> 01:17:03,240
Speaker 2: and you can download. It's on your bridge. Like that's

1633
01:17:03,280 --> 01:17:05,240
Speaker 2: who I am and what I want to do. And

1634
01:17:05,280 --> 01:17:08,280
Speaker 2: I think that, yeah, that's I guess something that people

1635
01:17:08,320 --> 01:17:10,680
Speaker 2: assume I have handed over because we do have a

1636
01:17:10,720 --> 01:17:14,040
Speaker 2: content manager now and a content producer, but I'm pretty

1637
01:17:14,080 --> 01:17:15,599
Speaker 2: controlling when it comes to that.

1638
01:17:16,240 --> 01:17:18,280
Speaker 3: I love that though. It's because you're so in touch

1639
01:17:18,280 --> 01:17:20,000
Speaker 3: with your audience still. Because of that, well you.

1640
01:17:20,040 --> 01:17:23,280
Speaker 2: Have to be, because that's why I'm here, Like, they're

1641
01:17:23,320 --> 01:17:25,880
Speaker 2: the reason I get to do what I love every

1642
01:17:25,920 --> 01:17:28,519
Speaker 2: single day, and I'm so grateful for all of them

1643
01:17:28,600 --> 01:17:31,240
Speaker 2: to be here, because not many people can say I

1644
01:17:31,280 --> 01:17:33,320
Speaker 2: wake up every day so proud of what I do

1645
01:17:33,600 --> 01:17:37,080
Speaker 2: and like that's so cool, and yeah, I guess that's

1646
01:17:37,200 --> 01:17:40,120
Speaker 2: one thing people don't know and assume it's not me.

1647
01:17:40,479 --> 01:17:43,360
Speaker 1: What about one that Steve would know but no one

1648
01:17:43,400 --> 01:17:46,680
Speaker 1: else would know, like weird things that you do?

1649
01:17:46,840 --> 01:17:50,759
Speaker 2: Oh that I am obsessed and have an uncontrollable desire

1650
01:17:50,920 --> 01:17:55,680
Speaker 2: for frozen ice cream chocolate mochiese. Oh oh so specific,

1651
01:17:56,160 --> 01:17:59,040
Speaker 2: so specific, but like if ever I'm sad and he

1652
01:17:59,160 --> 01:18:01,920
Speaker 2: comes home with a box of chocolate ice cream mo chiese,

1653
01:18:01,920 --> 01:18:03,800
Speaker 2: there are six in a box. You best believe I

1654
01:18:03,800 --> 01:18:05,760
Speaker 2: will not be saving you any I will eat the

1655
01:18:05,800 --> 01:18:09,640
Speaker 2: whole thing and like he can change my day with

1656
01:18:09,640 --> 01:18:12,160
Speaker 2: the boss of mo cheese, like I promise you. And

1657
01:18:12,160 --> 01:18:14,280
Speaker 2: that would be such a bad spending havoc because I

1658
01:18:14,320 --> 01:18:16,640
Speaker 2: think full price, they're like seven dollars a box, but

1659
01:18:16,680 --> 01:18:18,880
Speaker 2: they are a good deal, even not on sale, like.

1660
01:18:20,360 --> 01:18:23,840
Speaker 1: My friend, your budget pie chart is like mostly like

1661
01:18:24,000 --> 01:18:30,559
Speaker 1: seven dollar mortgage groceries is like tiny health insurance? You know,

1662
01:18:30,760 --> 01:18:31,799
Speaker 1: much is more important?

1663
01:18:32,240 --> 01:18:35,760
Speaker 2: Yeah, yeah, I think he would absolutely say that, and

1664
01:18:35,920 --> 01:18:39,160
Speaker 2: I think he would also want to tell people that

1665
01:18:39,880 --> 01:18:44,400
Speaker 2: my personality is also in my pets personalities. And we

1666
01:18:44,439 --> 01:18:48,639
Speaker 2: talk about this all the time because we've got three pets.

1667
01:18:48,680 --> 01:18:50,559
Speaker 2: I have two cats and a dog. I've got Bailey

1668
01:18:50,640 --> 01:18:53,200
Speaker 2: who's ten and he's a tong Canese. I've got Henry,

1669
01:18:53,200 --> 01:18:56,280
Speaker 2: who's one and he's a chocolate Tonguenese. And I've got Lucy,

1670
01:18:56,320 --> 01:19:00,479
Speaker 2: who is a sheeperdoodle and she is nine months. And yeah,

1671
01:19:00,479 --> 01:19:03,120
Speaker 2: they're all as crazy as I am. And sometimes he

1672
01:19:03,240 --> 01:19:05,880
Speaker 2: just looks at them and is like, you are actually

1673
01:19:06,040 --> 01:19:09,680
Speaker 2: like your pets, Like you know, Lucy's very snugly and

1674
01:19:09,720 --> 01:19:11,479
Speaker 2: cuddly and just wants to be on the couch in

1675
01:19:11,520 --> 01:19:13,720
Speaker 2: her blanket, and that is me. And Bailey can be

1676
01:19:13,800 --> 01:19:17,400
Speaker 2: really sassy and that is also me. And he always

1677
01:19:17,479 --> 01:19:20,000
Speaker 2: tells people that I get my attitude from my cats,

1678
01:19:20,000 --> 01:19:23,000
Speaker 2: and my cats get their attitude from me. So maybe

1679
01:19:23,080 --> 01:19:25,960
Speaker 2: that's maybe that's something people would definitely not talk about

1680
01:19:26,000 --> 01:19:27,120
Speaker 2: because people just don't care.

1681
01:19:27,280 --> 01:19:30,879
Speaker 1: But people definitely care. I have followed your pet journey

1682
01:19:31,040 --> 01:19:33,880
Speaker 1: and your little menagerie at home with a keen interest,

1683
01:19:34,000 --> 01:19:35,640
Speaker 1: a keen interest it's going to.

1684
01:19:35,680 --> 01:19:40,360
Speaker 2: Turn into a farm. We bought our house in December,

1685
01:19:40,479 --> 01:19:42,679
Speaker 2: like at the start of December. It was absolutely well

1686
01:19:42,720 --> 01:19:44,800
Speaker 2: wind like we found it. It was like a two

1687
01:19:44,800 --> 01:19:48,240
Speaker 2: week settlement, like it was yay and a like so quick.

1688
01:19:48,760 --> 01:19:51,200
Speaker 2: And my partner had always said, we can't have a

1689
01:19:51,200 --> 01:19:53,519
Speaker 2: dog until we own a property, and that was my

1690
01:19:53,600 --> 01:19:56,400
Speaker 2: motivation for getting a property. I was always like, all right,

1691
01:19:56,439 --> 01:19:58,360
Speaker 2: well I didn't want property until now, Well, we're going

1692
01:19:58,400 --> 01:19:59,040
Speaker 2: to have to buy a house.

1693
01:19:59,080 --> 01:19:59,720
Speaker 3: I guess.

1694
01:20:01,040 --> 01:20:03,559
Speaker 2: Good priorities, and so I reached out to this breeder

1695
01:20:03,600 --> 01:20:05,800
Speaker 2: and one thing led to another and we ended up

1696
01:20:05,800 --> 01:20:08,759
Speaker 2: with Lucy two days before we moved into the property.

1697
01:20:09,320 --> 01:20:11,360
Speaker 2: And I was just like, all right, cool, so I've

1698
01:20:11,439 --> 01:20:13,640
Speaker 2: organized a puppy. And he was like, were we not

1699
01:20:13,680 --> 01:20:15,200
Speaker 2: going to move in and maybe talk about it? And

1700
01:20:15,240 --> 01:20:17,360
Speaker 2: I was like, ah ah, like we are, we have

1701
01:20:17,439 --> 01:20:20,040
Speaker 2: a dog, We have a puppy, we are moving in.

1702
01:20:20,320 --> 01:20:24,160
Speaker 2: And I remember bringing her home because we'd secured her

1703
01:20:24,240 --> 01:20:26,160
Speaker 2: and she had to be She's from New South Wales

1704
01:20:26,200 --> 01:20:27,800
Speaker 2: and I live in Victoria, so she had to be

1705
01:20:27,880 --> 01:20:28,960
Speaker 2: driven down for us.

1706
01:20:30,000 --> 01:20:30,680
Speaker 3: Baby.

1707
01:20:30,760 --> 01:20:33,360
Speaker 2: Yeah. We went to pick her up and I didn't

1708
01:20:33,360 --> 01:20:35,280
Speaker 2: want to take her to our rental property, but we'd

1709
01:20:35,320 --> 01:20:37,400
Speaker 2: just been given the keys to our actual property and

1710
01:20:37,439 --> 01:20:39,479
Speaker 2: so Steve and I slept on a blow up bed

1711
01:20:39,760 --> 01:20:42,080
Speaker 2: in our new house with no other furniture in it

1712
01:20:42,120 --> 01:20:44,280
Speaker 2: because we wanted to have the dog in the new property.

1713
01:20:44,320 --> 01:20:46,240
Speaker 2: And I remember bringing her home and not having any

1714
01:20:46,240 --> 01:20:48,280
Speaker 2: furniture and just sitting on a dog bed in the

1715
01:20:48,280 --> 01:20:50,280
Speaker 2: middle of our new lounge room with this puppy, and

1716
01:20:50,320 --> 01:20:52,200
Speaker 2: I was just so happy. I cried because I was like,

1717
01:20:52,280 --> 01:20:55,519
Speaker 2: oh my god, all my dreams are coming true. Living

1718
01:20:56,240 --> 01:20:58,600
Speaker 2: this is slipping like I've got this dog and I

1719
01:20:58,680 --> 01:21:01,880
Speaker 2: adore it, and like, I guess, yeah, like my life

1720
01:21:01,880 --> 01:21:05,559
Speaker 2: goals have never been around Korea. They're always around, you know,

1721
01:21:05,960 --> 01:21:09,000
Speaker 2: I guess, love and family and you know, hopefully one

1722
01:21:09,080 --> 01:21:11,439
Speaker 2: day creating a family of our own, but for now,

1723
01:21:11,520 --> 01:21:14,960
Speaker 2: our pet family. And yeah, I guess that's central to

1724
01:21:15,000 --> 01:21:17,080
Speaker 2: who I am and what I do. When you start

1725
01:21:17,120 --> 01:21:18,880
Speaker 2: to get to know me, you're really like, oh cool,

1726
01:21:19,040 --> 01:21:22,320
Speaker 2: So she actually doesn't care about any of these achievements.

1727
01:21:22,640 --> 01:21:24,960
Speaker 2: She's just proud that her dog can shake force.

1728
01:21:25,280 --> 01:21:30,240
Speaker 1: Like I love that about you so much. Well, final question, lovely,

1729
01:21:30,400 --> 01:21:31,639
Speaker 1: what is your favorite quote?

1730
01:21:31,800 --> 01:21:34,120
Speaker 2: Oh my gosh, I already told you. Why did I

1731
01:21:34,439 --> 01:21:36,240
Speaker 2: Why did I ruin that so early?

1732
01:21:37,120 --> 01:21:38,639
Speaker 3: Because it was such a good one.

1733
01:21:38,800 --> 01:21:40,840
Speaker 2: Oh my gosh. Yeah, I'm actually going to reiterate that

1734
01:21:40,960 --> 01:21:43,320
Speaker 2: for you, because I do think it's really important and

1735
01:21:43,400 --> 01:21:45,200
Speaker 2: it's helped me, and I feel like it's one that

1736
01:21:45,240 --> 01:21:47,640
Speaker 2: we don't talk about enough, and that is that you

1737
01:21:47,680 --> 01:21:50,040
Speaker 2: will never be criticized by someone who is doing more

1738
01:21:50,080 --> 01:21:52,920
Speaker 2: than you. You will only ever be criticized by someone

1739
01:21:52,920 --> 01:21:56,400
Speaker 2: who is doing less. And I think that that is,

1740
01:21:56,560 --> 01:21:58,599
Speaker 2: I guess, a really good place to leave it, right,

1741
01:21:58,840 --> 01:22:02,200
Speaker 2: Like any one can adhere to that. Like if anyone

1742
01:22:02,200 --> 01:22:04,720
Speaker 2: ever says anything bad about you and my friends, like,

1743
01:22:05,439 --> 01:22:07,720
Speaker 2: I bet you it's because they are not, you know,

1744
01:22:07,800 --> 01:22:10,439
Speaker 2: following in your footsteps or you know, being the person

1745
01:22:10,439 --> 01:22:13,120
Speaker 2: that you are. And it's hard in Australia because I

1746
01:22:13,120 --> 01:22:16,360
Speaker 2: feel like tall poppy syndrome is such a prevalent thing,

1747
01:22:16,400 --> 01:22:18,759
Speaker 2: and i'd heard about it, you know, and i'd spoken

1748
01:22:18,800 --> 01:22:21,920
Speaker 2: about it before, and obviously studying psychology, i'd been told

1749
01:22:21,960 --> 01:22:24,000
Speaker 2: about it, and I just was like, no, that's not

1750
01:22:24,080 --> 01:22:26,480
Speaker 2: a thing. I've never been held back and I absolutely

1751
01:22:26,520 --> 01:22:29,200
Speaker 2: haven't been held back. But my gosh, now I have

1752
01:22:29,600 --> 01:22:32,799
Speaker 2: what you definitely could call a profile in this space.

1753
01:22:32,840 --> 01:22:36,000
Speaker 2: The people that don't want you to be successful, they're loud.

1754
01:22:36,479 --> 01:22:38,759
Speaker 2: They're loud, and they can make you feel like crap

1755
01:22:38,960 --> 01:22:41,800
Speaker 2: so easily, And I think that a quote like that

1756
01:22:41,920 --> 01:22:45,120
Speaker 2: just really helps you remember what's important. Absolutely.

1757
01:22:45,720 --> 01:22:50,840
Speaker 1: Unfortunately, you have a community, a very engaged and increasingly

1758
01:22:51,000 --> 01:22:54,880
Speaker 1: expanding all over the world community who absolutely adore you,

1759
01:22:55,200 --> 01:22:58,800
Speaker 1: and I have only the best thing to say about you.

1760
01:22:58,920 --> 01:23:01,040
Speaker 1: And She's on the Money and the new book and

1761
01:23:01,160 --> 01:23:05,879
Speaker 1: everything you do. It's just been a privilege to be alongside.

1762
01:23:05,200 --> 01:23:06,840
Speaker 2: And to be able to be so kind.

1763
01:23:07,360 --> 01:23:10,120
Speaker 1: I can't oh my god, I don't even have words like,

1764
01:23:10,120 --> 01:23:13,280
Speaker 1: I have no language. It's just you are really shaking

1765
01:23:13,439 --> 01:23:15,760
Speaker 1: up a really really important part of our lives that

1766
01:23:15,920 --> 01:23:17,920
Speaker 1: is obviously having such a huge impact for everyone.

1767
01:23:17,960 --> 01:23:22,080
Speaker 2: So congratulations, Well, thank you, Sarah. That is honestly, I

1768
01:23:22,080 --> 01:23:25,559
Speaker 2: should come on your podcast more often because parts like

1769
01:23:25,680 --> 01:23:28,679
Speaker 2: I just need someone to be as complimentary as you are.

1770
01:23:30,200 --> 01:23:30,720
Speaker 3: Anytime.

1771
01:23:30,800 --> 01:23:35,280
Speaker 1: Honestly, you are just such a wonderful, wonderful romodef all

1772
01:23:35,280 --> 01:23:35,559
Speaker 1: of us.

1773
01:23:36,680 --> 01:23:39,880
Speaker 2: Well, thank you for having me. I'm genuinely so grateful.

1774
01:23:40,240 --> 01:23:43,080
Speaker 1: I don't think anyone could need any convincing to go

1775
01:23:43,120 --> 01:23:45,320
Speaker 1: and listen to and or buy She's on the.

1776
01:23:45,240 --> 01:23:46,040
Speaker 3: Money for yourself.

1777
01:23:46,080 --> 01:23:49,080
Speaker 1: After hearing Victoria's eloquence and passion for what she does.

1778
01:23:49,600 --> 01:23:52,680
Speaker 1: It's increasingly difficult to really do something different in this

1779
01:23:52,760 --> 01:23:55,120
Speaker 1: day and age where so much has already been discovered.

1780
01:23:55,160 --> 01:23:57,040
Speaker 3: But I truly believe.

1781
01:23:57,040 --> 01:23:59,400
Speaker 1: That Victoria and her She's on the Money team is

1782
01:23:59,400 --> 01:24:02,679
Speaker 1: bringing some to the market that wasn't there before, helping

1783
01:24:03,200 --> 01:24:06,559
Speaker 1: millions of women and men to build better financial futures

1784
01:24:06,600 --> 01:24:10,000
Speaker 1: for themselves. I never knew finance could actually be fun

1785
01:24:10,080 --> 01:24:13,040
Speaker 1: before I met Victoria, And if you had a similar

1786
01:24:13,040 --> 01:24:16,000
Speaker 1: aha moment during this episode, please don't forget to share

1787
01:24:16,120 --> 01:24:19,960
Speaker 1: tagging at Victoria Underscore Divine or She's on the Money

1788
01:24:20,000 --> 01:24:23,799
Speaker 1: OZ to shower her and her team with love. Links

1789
01:24:23,840 --> 01:24:27,400
Speaker 1: to the book, the podcast, Her Too, new podcasts, and

1790
01:24:27,520 --> 01:24:30,719
Speaker 1: her brand new investing platform are in the show notes.

1791
01:24:30,760 --> 01:24:33,719
Speaker 1: For you all, I hope you're having an amazing week

1792
01:24:33,800 --> 01:24:36,960
Speaker 1: and are seizing your ya