Speaker 1: This episode of CZA is brought to you by Carmex Lipbarm.
Speaker 2: Sometimes you forget that it's not necessarily about the destination
Speaker 2: that we're getting to. It's actually about the journey and
Speaker 2: enjoying that, because if you didn't enjoy the journey, what
Speaker 2: was the point of getting to this impressive place In
Speaker 2: the end, You'll never be criticized by someone who is
Speaker 2: doing more than you. You will only ever be criticized
Speaker 2: by someone who is doing less.
Speaker 1: Welcome to the Seize the Ya Podcast. Busy and happy
Speaker 1: are not the same thing. We too rarely question what
Speaker 1: makes the heart seeing. We work, then we rest, but
Speaker 1: rarely we play and often don't realize there's more than
Speaker 1: one way. So this is a platform to hear and
Speaker 1: explore the stories of.
Speaker 3: Those who found lives. They adore the good, bad and ugly.
Speaker 1: The best and worst day will bear all the facets
Speaker 1: of seizing your Yea. I'm Sarah Davidson or a spoonful
Speaker 1: of Sarah, a lawyer turned entrepreneur whos whapped the suits
Speaker 1: and heels to co found matcha Maiden and matcha Milkbar.
Speaker 3: CZA is a series.
Speaker 1: Of conversations on fire dading a life you love and
Speaker 1: exploring the self doubt, challenge, joy and fulfillment along the way.
Speaker 3: I feel like a big part of the.
Speaker 1: Neighborhood will already know today's guest quite well, but in
Speaker 1: case you don't, Victoria Divine is someone you must get
Speaker 1: acquainted with if you're interested in financial freedom without skimping
Speaker 1: on the fun stuff, so basically everyone ever. Victoria is
Speaker 1: a multi award winning financial advisor and creator of She's
Speaker 1: on the Money, Australia's number one finance podcast and seventh
Speaker 1: biggest of all podcasts in the country, who is revolutionizing
Speaker 1: the way millennials think about money. If you're anything like me,
Speaker 1: you may have grown up thinking money, along with religion
Speaker 1: and politics, is a topic never to be discussed at
Speaker 1: the table. But you may have also found that quite
Speaker 1: disempowering and an obstacle to actually learning how to build wealth,
Speaker 1: invest and safeguard your future. Enter Victoria and her unique
Speaker 1: ability to demystify and translate otherwise intimidating financial concepts to
Speaker 1: make them accessible, non judgmental, and I know it sounds
Speaker 1: crazy but fun. She's on the Money covers everything from
Speaker 1: game changing budgeting templates to changing your money story and
Speaker 1: from debt or insurance to even planning financially for children,
Speaker 1: from a Facebook group to a podcast to a brand new,
Speaker 1: comprehensive book published just this week under the same name.
Speaker 1: She's on the Money is the ultimate millennial money guide
Speaker 1: that I cannot recommend for the neighborhood more highly.
Speaker 3: Now.
Speaker 1: I did make sure to grab some practical takeaways for
Speaker 1: the aighborhood in this episode while we had a multi
Speaker 1: award winning financial advisor with us. But the book is
Speaker 1: so comprehensive and quite life changing actually, and I know
Speaker 1: you all grab a copy, so, like you know, I
Speaker 1: love to do. I use most of this episode to
Speaker 1: chat about things that aren't captured in its pages. I
Speaker 1: was actually lucky enough to meet Victoria a few chapters
Speaker 1: before She's on the Money or sees thea had begun,
Speaker 1: and her way to EA is such a valuable reminder
Speaker 1: that the pathway to passion and purpose is far from linear.
Speaker 1: So I love spending quite a lot of time there because,
Speaker 1: as she says, and you'll hear quite soon, Victoria shares
Speaker 1: a lot in this episode that she hasn't shared before.
Speaker 1: She in fact didn't even start out in finance at all.
Speaker 3: With so many.
Speaker 1: Steps in her staircase before finding her yeay with shees
Speaker 1: on the Money. I hope you guys learn as much
Speaker 1: from this one as I did. Victoria, Welcome to the
Speaker 1: show and.
Speaker 3: Hi, Hello, how are you?
Speaker 1: Oh my gosh, it's been so lovely to see your face.
Speaker 1: We've guys been chatting for about twenty minutes before we
Speaker 1: actually started chatting about actual podcast things.
Speaker 2: Yeah, we're not very good at this whole get to
Speaker 2: the work thing Alie.
Speaker 1: Well, as you know, before we kick off, I start
Speaker 1: every episode by asking what the most down to worth
Speaker 1: thing is about you to break the ice, particularly when
Speaker 1: we put our guests on a pedestal and you said
Speaker 1: it so well yourself in the new book, She's on
Speaker 1: the Money book that we often think of you as,
Speaker 1: you know, the elusive oracle of saving and you've made
Speaker 1: Forbes thirty under thirty this year. You're right up there
Speaker 1: on a pedestal for me, so it's wild. Can you
Speaker 1: break the eyes and just remind us that you're a
Speaker 1: normal human?
Speaker 2: I am so normal it is not funny. In fact,
Speaker 2: I wasn't even sure what to tell you, because I
Speaker 2: am a very big listener of your podcast obviously, But
Speaker 2: I knew you were going to ask this question, and
Speaker 2: I kept being like, what am I going to say?
Speaker 2: But in our conversation before you were like, oh my gosh,
Speaker 2: I wish we had been recording this. So I guess
Speaker 2: I'll just retell this story of how everybody thinks I'm
Speaker 2: this polished human because you know, she's on the money.
Speaker 2: Profile definitely has some beautiful pictures. We've got a gorgeous photographer, Miranda,
Speaker 2: who always makes us look like our best selves. But
Speaker 2: me in real life, if you came into the office,
Speaker 2: it's very likely that there are at least six empty
Speaker 2: coffee cups that have arguably been sitting on my desk
Speaker 2: for a week, which is not a good thing. That
Speaker 2: is not a bragging right, Like my team literally always
Speaker 2: like Victoria, yeah that's disgusting, and I'm like, I don't
Speaker 2: even care. And I don't wear shoes very often in
Speaker 2: the office, Like obviously, if I'm having a photo shooter,
Speaker 2: if I'm going on socials or I'm going to see
Speaker 2: a client, yeah, I'll definitely put on a nice pair
Speaker 2: of shoes. I adore shoes, but good luck trying to
Speaker 2: get me in them at my desk, so I feel
Speaker 2: like I genuinely would just say I am incredibly normal.
Speaker 2: I am incredibly down to earth. My favorite things are
Speaker 2: my oat latte in the morning with my partner walking
Speaker 2: my dog, where I look like I've just rolled out
Speaker 2: of bed because I don't want to get ready first
Speaker 2: thing in the morning, and you know, maybe you wouldn't
Speaker 2: even notice me. You'd walk past me and be like, oh,
Speaker 2: she was a mess. I hope she's having a better
Speaker 2: day later. But yeah, I think I'm relatively down to earth.
Speaker 2: And something that my team actually say very often is like,
Speaker 2: oh my gosh, Victoria, if only the internet knew the
Speaker 2: real you.
Speaker 3: I love.
Speaker 1: I love like revealing that side of you, the actual
Speaker 1: real you. That everyone would be like, you know that
Speaker 1: you would be mortified if it came out, but that
Speaker 1: makes us all.
Speaker 2: It wouldn't be though, Like I've got nothing to hide,
Speaker 2: and you know, like, if you want to see more
Speaker 2: of that, go follow all my team members on Instagram
Speaker 2: because they actually film me half the time and put
Speaker 2: it on their Instagrams because they genuinely find it really amusing.
Speaker 2: I've got no shame, my friends.
Speaker 1: What about something financially relatable about you? Because you are
Speaker 1: the elusive oracle of saving. I have it in my
Speaker 1: mind that you never make a bad financial decision or
Speaker 1: you never do anything that's you know, other people might
Speaker 1: seem I think is wasteful or like indulge in, but
Speaker 1: I love Oh my.
Speaker 2: Gosh, are you very joking. I'm the pinnacle of do
Speaker 2: as I say, not as I do. Like I would
Speaker 2: be honestly embarrassed if you guys saw some of my
Speaker 2: spending habits and just I could absolutely tighten up. And
Speaker 2: you know, there's never a good excuse. You know, you
Speaker 2: always should be caring about future and putting it first.
Speaker 2: But given how busy I am, and that's again never
Speaker 2: an excuse. I am very good at uber Eat. It's
Speaker 2: very good at fast food, like not McDonald's and stuff,
Speaker 2: but just take away. Like the amount of Assaye balls
Speaker 2: that I buy on uber Eats is wild, and I'm
Speaker 2: not mad about it because I know that that's the
Speaker 2: way that I'm still nourishing myself and still looking after
Speaker 2: my body and making sure that I'm not just eating
Speaker 2: junk all the time. But it's getting a little bit
Speaker 2: out of hand.
Speaker 1: But that is the greatest thing about you, I reckon
Speaker 1: That's the greatest thing about the podcast and the book
Speaker 1: and your overall approach to you know, financial health and
Speaker 1: the way that we manage our life for future us
Speaker 1: is that it's so flexible and you make time for
Speaker 1: the things that make you happy, Like you're very much
Speaker 1: like you don't always have to make only sensible decisions.
Speaker 1: You know, you can do your oat late in the morning.
Speaker 3: That makes you very happy. You know.
Speaker 1: It's not like you have to be sensible all the time.
Speaker 1: It's just you have to work around the things that
Speaker 1: are priorities for you. I love that because then I
Speaker 1: feel less guilty when I'm like, oh, that fit's okay.
Speaker 3: Then no.
Speaker 2: And I think that that's a really common misconception maybe
Speaker 2: about us, because I know other financial advisors do follow
Speaker 2: or subscribe to this notion that you need to cut
Speaker 2: out all unnecessary spending. And you know, if you cut
Speaker 2: back your coffee, Sarah, oh my gosh, you could save
Speaker 2: nearly two thousand dollars in one year. That's ridiculous. Like
Speaker 2: that is what makes me happy. That is what sparks
Speaker 2: my joy. That is what you know, I really value,
Speaker 2: and I don't want to change those things. I don't
Speaker 2: want somebody to pry away the joy from my life
Speaker 2: and the little things that we have. So I just
Speaker 2: don't subscribe to the notion that somebody else can dictate
Speaker 2: to you how you spend your money. What I want
Speaker 2: is people to just understand what their own values are
Speaker 2: so that their money flows in relation to that. I
Speaker 2: don't want you to miss out, but I also want
Speaker 2: you to be really aware of where your money is going,
Speaker 2: because more often than not, let's use me as an example,
Speaker 2: more often than not, your money isn't actually flowing in
Speaker 2: line with your values unless you sit down and make
Speaker 2: a plan for it. Like do I value uber its?
Speaker 2: Absolutely not. I wish I took my lunch to work
Speaker 2: every single day, But my money and my money story
Speaker 2: and my you know, my budget right now would tell
Speaker 2: you that I really do value uberts when that's not
Speaker 2: actually the reality, and I need to shift. That's not
Speaker 2: saying it's bad. There's no such thing as bad when
Speaker 2: it comes to money. It's just more do you want
Speaker 2: to do that or do you want to do something else?
Speaker 2: Like have you not got a bigger goal? And like,
Speaker 2: yes I do, but am I currently prioritizing it? No?
Speaker 2: And that's silly by future me like, I'm not putting
Speaker 2: myself first by spending that way, and that's why I'm
Speaker 2: really aware of it. I'm not saying cut back on
Speaker 2: spending because that doesn't make anybody happy and it's not sustainable.
Speaker 2: No one wants that.
Speaker 3: No one does want that.
Speaker 1: Well, I think one of the reasons I'm so excited
Speaker 1: to dive into this episode in particular, And as you know,
Speaker 1: the first section that we.
Speaker 3: Will go through is your Way to YEA.
Speaker 1: So how you got to this position of knowing what
Speaker 1: your passion is and knowing what you want to teach
Speaker 1: people and the best way to do that, and you
Speaker 1: are doing it's so incredibly well to millions of Australians.
Speaker 1: But what I'm excited about is that our friendship is
Speaker 1: one of those that really epitomizes the idea that life
Speaker 1: does unravel in chapters, given that we met a few
Speaker 1: chapters ago for both of us, and the things that
Speaker 1: we're passionate about and that we wake up full of
Speaker 1: purpose and drive for didn't exist when we first met
Speaker 1: each other. Yeah, so while you know she's on the money,
Speaker 1: makes so much sense. Now is your big mission and vision?
Speaker 1: You're a wonderful example that you didn't wake up like that.
Speaker 1: You didn't even wake up in finance. You know, that
Speaker 1: wasn't even your first career. It takes a lot of
Speaker 1: little steps to build up to the thing that later
Speaker 1: is crystal clear, is like why you ended up there.
Speaker 1: The dots often only connect a lot, you know, further
Speaker 1: down the track. And as you always say on your podcast,
Speaker 1: you can do everything, but not all at once.
Speaker 2: Yeah, so true, And I think it's so one of
Speaker 2: those things. Sometimes you go through things and you don't
Speaker 2: realize how beneficial it is for you until you've actually
Speaker 2: come through to the other side and you can see,
Speaker 2: oh my gosh, that taught me so much, even though
Speaker 2: it was a terrible experience at the time, or you
Speaker 2: really weren't enjoying it. And you know, I talk to
Speaker 2: people all the time like, oh, I wish I was
Speaker 2: in your position where I get to do something that
Speaker 2: I love every single day, and I'm like, oh, yeah,
Speaker 2: But like I've been in the position where I didn't
Speaker 2: even know what I wanted to do as my next step,
Speaker 2: and I had, I would say, a crisis when I
Speaker 2: realized I didn't want to be in psychology anymore. And
Speaker 2: you know, talking back on it, it sounds like a
Speaker 2: really beautiful story, right, it sounds like this, Oh, the
Speaker 2: flow of her career has been so dreamy and easy
Speaker 2: in you know, those logical steps exist, but at the
Speaker 2: time I felt like I'd wasted my university degrees and
Speaker 2: what was I doing? And why have I even gone
Speaker 2: down this path? And like this is so silly. I
Speaker 2: don't fit here. And yeah, I think that that's the
Speaker 2: side of things that people don't talk about, which is
Speaker 2: really important to talk about, because we don't always see
Speaker 2: that clarity in the moment. We only see it looking
Speaker 2: back on it. And I don't know what's next. I
Speaker 2: don't know what's coming up. But I think that my
Speaker 2: journey has taught me that it's actually okay to sometimes
Speaker 2: not know and okay to just dabble and test and
Speaker 2: see if it works and you know, have a good
Speaker 2: time along the way, because sometimes you forget that it's
Speaker 2: not necessarily about the destination that we're getting to. It's
Speaker 2: actually about the journey and enjoying that, because if you
Speaker 2: didn't enjoy the journey, what was the point of getting
Speaker 2: to this impressive place in the end.
Speaker 1: Absolutely, and also that even though now, in this chapter
Speaker 1: of your life, this is the ultimate destination that all
Speaker 1: the dots so far have led you towards. I think
Speaker 1: it's also important that you acknowledge that this isn't the
Speaker 1: end destination.
Speaker 3: This is just the.
Speaker 1: Iteration of your joy and your passion and your skills
Speaker 1: and them all intersecting right now. But in two years,
Speaker 1: three years time, we could jump on a podcast again
Speaker 1: together and we both be doing completely different things, Which
Speaker 1: is why this section is I spend a lot of
Speaker 1: time on how you got here to remind everyone that
Speaker 1: if they're not where you are, that's okay, maybe they're
Speaker 1: not meant to be, Maybe they're ten steps beforehand, and
Speaker 1: that you too had to start right back at the
Speaker 1: very beginning. So can you take us back to young Victoria,
Speaker 1: what it was like at Padua College in Mornington, You know,
Speaker 1: what was your first job and your first idea of
Speaker 1: what you thought you would want to be, and how
Speaker 1: did you choose psychology and kind of take us through.
Speaker 1: I think what's really interesting is when people start to
Speaker 1: agitate for change, how do you know the signs that
Speaker 1: something maybe isn't working for you? When you have gone
Speaker 1: down a particular pathway for quite a while, and then
Speaker 1: it's hard to know what the signs are that maybe
Speaker 1: you need a shift. So yeah, take us through those
Speaker 1: early years in that first career.
Speaker 2: Ah, it is such a long story, and you know,
Speaker 2: I think it's actually a really relatable one if you
Speaker 2: go back to school. I don't think I had a
Speaker 2: very good school experience. I was really bullied. I didn't
Speaker 2: enjoy it. I had, you know, I had some really
Speaker 2: good friends and I've still got those friends. So I
Speaker 2: wasn't completely on my own. But you know, as a
Speaker 2: teenager it often feels that way. And you know I
Speaker 2: was good academically, and I guess that's what you know,
Speaker 2: didn't hold me back, but you know it makes you
Speaker 2: feel like you're not the cool kid, and you're always
Speaker 2: trying to fit in. And you know, I was really
Speaker 2: good at maths, and I was really good at science,
Speaker 2: and I adored biology, and you know, I was often
Speaker 2: a teacher's favorite, just because I would ask lots of
Speaker 2: questions and always be really interested because learning has always
Speaker 2: been something that one I've been really good at, but
Speaker 2: two I'm just interested in like I don't want to
Speaker 2: know the answer, I actually want to know how we
Speaker 2: got there. And I guess, you know, I had a
Speaker 2: maths teacher that really didn't like me and got really
Speaker 2: frustrated because in year eleven and twelve I did specialist
Speaker 2: and specialist maths is a lot more formula than it
Speaker 2: is times tables. I guess to summarize it, right, it's
Speaker 2: less simple maths and more complex formula. And I would
Speaker 2: not be able to understand the formula until I understood
Speaker 2: where I could apply it and how it would work.
Speaker 2: And I remember this teacher being so frustrated with me
Speaker 2: because everybody else would just read the textbook and you know,
Speaker 2: understand it, and I just couldn't comprehend the formula until
Speaker 2: she said, okay, well this is how you'd apply it
Speaker 2: to a mini setting, or this is what that means,
Speaker 2: or this is where X actually comes from, and that
Speaker 2: would really help me. So for me, my learning needs
Speaker 2: to be really contextual. I need to understand it. So
Speaker 2: she didn't particularly like me, and in fact, I would
Speaker 2: say that I was somewhat bullied by that teacher. My
Speaker 2: parents had to get involved and I got moved out
Speaker 2: of her class because of that, And I guess that
Speaker 2: really deflates you in a way because I didn't have
Speaker 2: somebody who had my back in you know, I would
Speaker 2: say that I do come across as quite intelligent now,
Speaker 2: but it made me feel really silly because she used
Speaker 2: to tell me like, oh, if you're going to keep
Speaker 2: doing this, seal amount to nothing and things like that,
Speaker 2: which is really horrendous from a teacher when teachers are
Speaker 2: meant to support you. So I guess this isn't the
Speaker 2: experience people would assume I had, because they would be like, oh,
Speaker 2: she would have flown through school, and that's just not
Speaker 2: the case. In fact, in year eleven and twelve, I
Speaker 2: missed a lot of school. I was struggling with feeling
Speaker 2: really flat. But I also had a pretty serious eating
Speaker 2: disorder during school as well, one that I was hospitalized
Speaker 2: for a number of times. And it's totally okay, and
Speaker 2: I'm so happy to talk about it because I think
Speaker 2: this context is really important for people, especially on a
Speaker 2: podcast like yours, to understand that I haven't come from
Speaker 2: a place where it's always just been really easy. It's
Speaker 2: always been a bit of a struggle. And I think
Speaker 2: that the thing that I'm most proud of myself is
Speaker 2: is my tenacity, and I always get back up, and
Speaker 2: I go, no, I can absolutely do this, like I
Speaker 2: don't need somebody else's validation to make sure that happens.
Speaker 2: And I wasn't experiencing and eating disorder because I wanted
Speaker 2: to be skinny or pretty or any of those things.
Speaker 2: It was actually an outcome of me wanting to feel
Speaker 2: more in control of a situation because you know, going
Speaker 2: through school, you just don't feel as in control as
Speaker 2: you can. And so mine ruminated into that, and you know,
Speaker 2: I'm absolutely well and truly recovered. In fact, I look
Speaker 2: back and go, who was that person? Like, I'm such
Speaker 2: a foodie now and I enjoy food and there's no
Speaker 2: issues there at all, which I'm really grateful for because
Speaker 2: I know a lot of people sometimes don't lose that.
Speaker 2: So that experience really led me down a path of,
Speaker 2: you know, I guess, realizing things and enlightenment and being
Speaker 2: enlightened and wanting to learn more about psychology because I
Speaker 2: had a really good psychologist and I felt like in
Speaker 2: that moment I could do that for people too, So
Speaker 2: psychology was the next step. Because I've always been someone
Speaker 2: that wants to help others, like that would be the
Speaker 2: underlying thing for every career that I've ever had is
Speaker 2: can I help other people? Because that's where I get
Speaker 2: my joy. Like I get joy out of teaching, I
Speaker 2: get joy out of, you know, knowing that you're in
Speaker 2: a better position having crossed my path. And you know,
Speaker 2: psychology was always something that really enabled me to do that.
Speaker 2: So I started studying that and just thought, wow, this
Speaker 2: is so interesting and there's lots of biology in that
Speaker 2: you get to, you know, do a lot of study
Speaker 2: and understand how the brain functions. And then I remember
Speaker 2: getting to third year of psych and that's the life
Speaker 2: last year of your undergraduate degree, and I did a
Speaker 2: placement and I hated it.
Speaker 3: I couldn't know.
Speaker 2: I was such a good learner and adored university, but
Speaker 2: I could not get my head around the fact that
Speaker 2: what do you mean like this is going to be
Speaker 2: the job?
Speaker 1: Like I took this is how it translates what this
Speaker 1: is awful?
Speaker 2: And I took everything home. So I was definitely not
Speaker 2: very good at psychology. And I think that takes a
Speaker 2: really special Sorry, Lucy, that is not yours. Give me
Speaker 2: two seconds.
Speaker 1: Sorry, Oh my god, don't be I'm definitely living this
Speaker 1: in just saying Lucy is the sheeperdoodle. Just fi to
Speaker 1: everyone because I'm not cutting that out because that was amazing.
Speaker 2: Sorry. She just went into my bathroom and I've left
Speaker 2: one of the drawers open, and she had literally a
Speaker 2: mouthful of silk scrunchies and she was running out of
Speaker 2: my office with them, and I was like, no, Satan,
Speaker 2: not today today, Oh my god, and the silk.
Speaker 1: It's like, can you just get my cotton shitty scrunchy one,
Speaker 1: my silk one?
Speaker 3: You are told?
Speaker 2: Yes, she had three of them, So thank you, Lucy.
Speaker 2: Where was I I was telling you about how psychology
Speaker 2: was not my cooling anyway. I would take everything home
Speaker 2: and I just felt like I wasn't the right person
Speaker 2: for that. And I genuinely believe it takes a really
Speaker 2: special person to work in psychology and be able to
Speaker 2: separate themselves. But I wasn't able to do that, and
Speaker 2: it really impacted me, like my emotional energy would be
Speaker 2: so flat. At the end of the day. I'd go
Speaker 2: home and just ruminate on the stories that i'd heard.
Speaker 2: And you know, now, I'm much better at that, But
Speaker 2: as a twenty one, twenty two year old, I can't
Speaker 2: remember how old I was, but about then it's a
Speaker 2: lot to carry. I'm very lucky in that I've never
Speaker 2: experienced serious trauma, so I couldn't relate to a lot
Speaker 2: of these stories, especially at such a young age where
Speaker 2: I didn't have a lot of life fixed. So I
Speaker 2: have beautiful parents who brought me up and obviously experienced
Speaker 2: some stuff, but none of it was seriously traumatic, and
Speaker 2: so hearing those stories, I was always like wow, Like
Speaker 2: I just wanted to pick these people up and take
Speaker 2: them out of those situations. But that's not what psychology
Speaker 2: is about. It's helping them deal with those situations. Anyway,
Speaker 2: kind of hit a crisis point and realized that wasn't
Speaker 2: for me, and thankfully I was surrounded by a lot
Speaker 2: of really supportive people, and one of them said, I
Speaker 2: think you want to be in organizational psychology. I was like,
Speaker 2: what is that. I've literally never heard of it. I've
Speaker 2: been doing psych for three years. Anyway, did my research.
Speaker 2: Organizational psychology is the science of people at work and
Speaker 2: it is all about culture and engagement and improving work
Speaker 2: life balance for people, and I was like, oh, I
Speaker 2: could totally get around that. So, without having any experience
Speaker 2: in it, I enrolled in an honors program at a
Speaker 2: different university, doing an organizational psyche thesis and doing my
Speaker 2: honors year in that because I was just like, yep,
Speaker 2: that seems to be the only logical answer, obviously. And
Speaker 2: I went and I got an internship in the space
Speaker 2: and started to love that and culture is it's so important, obviously,
Speaker 2: That's what's going to help you enjoy a job, whether
Speaker 2: you like the actual job semantics or not. And I
Speaker 2: really liked having an impact and working in a space
Speaker 2: where I could help senior leaders, you know, go to
Speaker 2: the next level. It was never about fixing things in
Speaker 2: the way that I felt psychology was, but it was
Speaker 2: more about, you know, empowering them to take the next
Speaker 2: step and talking about, you know, the next thing in
Speaker 2: their job, or you know, what do you want to
Speaker 2: achieve or you know, have you got imposter syndrome? And
Speaker 2: would always just I loved those conversations, and so did
Speaker 2: my honors year. And I went and I got a
Speaker 2: grad job in all psych and I was very lucky
Speaker 2: to get it because I was the youngest one on
Speaker 2: the team. And I started being a consultant and I
Speaker 2: went out to organizations and you know, I worked in
Speaker 2: a team it wasn't just me being sent out as
Speaker 2: a grad A promise you.
Speaker 3: Hi, I'm brand new. Let me change everything.
Speaker 2: Yeah, Hi, I would love to measure the engagement of
Speaker 2: your community or your your business. I have no experience,
Speaker 2: but hi. Anyway, So it was kind of a grad role,
Speaker 2: kind of not a grad role. It was like the
Speaker 2: next step because they didn't have grad roles. And I
Speaker 2: loved it, but I kept coming into this situation where
Speaker 2: I'd only studied psychology, but I'd go and meet with
Speaker 2: a team of people in a business who worked in
Speaker 2: accounting that'd be like, what's accounting? I don't get it,
Speaker 2: Or people who were from the marketing department, and I'd
Speaker 2: be like, I also don't get your work experience because
Speaker 2: I didn't know genuinely, I didn't know what work they did,
Speaker 2: and they kept coming up with questions for me that
Speaker 2: I just felt really stumped on. So when it came
Speaker 2: to culture and engagement, I'd be, you know, across it
Speaker 2: because I'd studied it and fully comprehended it. But people
Speaker 2: would often say, oh, Victoria, it's not my work that's
Speaker 2: stressing me. It's that I don't have enough money. It's
Speaker 2: on my wife is pregnant and we just don't know
Speaker 2: how we're going to afford it because we hadn't planned
Speaker 2: for this, or oh, my mortgage repayments are getting us down.
Speaker 2: Don't worry. My engagements not because of that. It's because
Speaker 2: I've got a lot going on at home and money
Speaker 2: at that point started to become this really big underlying
Speaker 2: theme in my life that I didn't feel like I
Speaker 2: understood or had control of. So during this time, also
Speaker 2: because I didn't understand the different segments of business in
Speaker 2: typical Victoria fashion, wanted to study more. So I enrolled
Speaker 2: in my MBA.
Speaker 3: Is that when you started your MBA.
Speaker 2: I started my MBA when I was twenty one and
Speaker 2: I finished it at twenty three.
Speaker 3: Of course you didn't.
Speaker 2: Yeah, absolutely, of course I did.
Speaker 1: It's really normal, guys, so normal, And I love that
Speaker 1: with your other degree, you know, the one before that,
Speaker 1: You're like, I just want to step my toe into auxite.
Speaker 1: So I'm going to do like a full thesis. Yeah,
Speaker 1: I just kind of dip my toe in a little bit.
Speaker 2: I'm definitely I go hard or go home by the person. So, yeah,
Speaker 2: I started my MBA and got to study finance, So
Speaker 2: I did my nagerial finance. I did managerial accounting and thrived, like,
Speaker 2: loved it. Could not understand why I hated times tables
Speaker 2: so much, could not you know what I mean? Like,
Speaker 2: I just was so suok. The impact of finance was
Speaker 2: so profound for me, And yeah, I started loving that
Speaker 2: and dabbling in that. And at that point, at this
Speaker 2: job where I was working in orgsy, like, I had
Speaker 2: this client who was a financial advisor, and every day
Speaker 2: he used to say, like every day that I worked
Speaker 2: with him, he'd be like, you'd be a great advisor,
Speaker 2: Like consider it, Like You'd be so much better at
Speaker 2: that than this. And I'd always be like, that is
Speaker 2: literally the worst job I can think of, Like who
Speaker 2: would want to be a financial advisor? So obviously I
Speaker 2: pushed it off and pushed it off. I had no
Speaker 2: interest in entertaining this. And you know, after studying it
Speaker 2: and really feeling like I understood it and becoming a
Speaker 2: bit disengaged myself in the role that I was in
Speaker 2: because I just felt like I wasn't having the impact
Speaker 2: I I wanted to have. I kind of just took
Speaker 2: the plunge and said, all right, I'm going to quit anyway,
Speaker 2: i'd actually just moved roles to a new job. I'd
Speaker 2: gone from consulting to being internal at was actually at
Speaker 2: a university, and I didn't like it at all. The
Speaker 2: team were not good, the culture was awful. I realized that,
Speaker 2: you know, in this role, I was never going to
Speaker 2: have an impact because there was just too many hoops
Speaker 2: to jump through and you know, very much a culture
Speaker 2: of but this is the way it's always been done,
Speaker 2: and I just don't end here or you know, subscribe
Speaker 2: to that notion at all. So I think I was
Speaker 2: in that job for just over six months when I
Speaker 2: said I can't do this, Like I wanted to meet
Speaker 2: probations so that I didn't look like i'd not met it,
Speaker 2: because I was definitely an achievement based person and I
Speaker 2: was like, oh, I don't want people to think that.
Speaker 2: So I think just over six months I said, you
Speaker 2: know what, anything would be better than this, And I
Speaker 2: started doing finance and started a role there, and obviously
Speaker 2: you have to be certified to do that. So I
Speaker 2: went and i'd finished my MBA, so I jumped into
Speaker 2: doing financial advice and I did my Diploma of Financial Planning,
Speaker 2: and yeah, I guess I've never looked back. And from
Speaker 2: there I was really lucky because I worked in a
Speaker 2: space that was high net wealth. So I wasn't working
Speaker 2: in what people call mom and dad financial advice. And
Speaker 2: it's not meant to be an offensive term at all,
Speaker 2: it's just you know, everyday people. I wasn't working in
Speaker 2: that space. It's actually the space I'm really passionate about.
Speaker 2: I ended up in ultra high netwealth people. So that
Speaker 2: was people who had a minimum of ten million dollars
Speaker 2: to invest on the regular, so all of us know, yeah,
Speaker 2: so all of us really relatable content Victoria. But that
Speaker 2: was the space I was working in, and so I
Speaker 2: learned a lot about investment really quickly. I got really
Speaker 2: great exposure to boards of people who would make decisions
Speaker 2: for investment companies. I got to understand the private family
Speaker 2: office space and what that meant and how to invest
Speaker 2: and for me, then I wanted to do my own
Speaker 2: thing because I just felt like that wasn't me and
Speaker 2: I started Zella, and the financial advisor that I worked
Speaker 2: with became my business partner in that. Because financial advice
Speaker 2: and becoming an advisor and having a practice is really expensive,
Speaker 2: so you definitely need someone behind you to be able
Speaker 2: to go out on your own, and I'm very grateful
Speaker 2: for that opportunity that was afforded to me to do
Speaker 2: that and establish this business. But the more I worked
Speaker 2: with ultra high net wealth people, the more I realized
Speaker 2: that I wasn't passionate about it, like I didn't want
Speaker 2: to make rich people richer. It didn't serve me, it
Speaker 2: didn't have that level of impact that I wanted to have.
Speaker 2: And so on the side of you know, building up
Speaker 2: this business of clients that were pretty wealthy, I started
Speaker 2: doing these workshops for women in law firms because that
Speaker 2: was who I really wanted to talk to and I
Speaker 2: felt like I could have a really big impact with
Speaker 2: So I went to some pretty big law firms around
Speaker 2: Melbourne and said, hey, got in contact with the HR departments. Thankfully,
Speaker 2: some of the clients were actually partners at these law firms,
Speaker 2: so I had a pretty smooth in and said, can
Speaker 2: I talk to your HL partner like, I'd love to
Speaker 2: have a chat with them. I've got this workshop idea.
Speaker 2: So they let me come in and run these workshops
Speaker 2: called She's on the Money, and I did that because
Speaker 2: I genuinely felt like every other workshop I'd run because
Speaker 2: that was something I often got asked to do. Because
Speaker 2: I do love presenting and I do love teaching. The
Speaker 2: women in the room never put their hands up, and
Speaker 2: they never wanted to in front of men, say oh,
Speaker 2: I don't really understand super or why would I make
Speaker 2: additional contributions? Or what's you know this insurance? Or you know,
Speaker 2: how do I start investing? Because especially women in law,
Speaker 2: and maybe you'll understand this, Sarah, it's not a bad thing.
Speaker 2: You are smart women, but you just don't want to
Speaker 2: seem silly in front of your male counterparts. And men,
Speaker 2: especially in law, often like, oh yeah, I inverst and
Speaker 2: I do this and I do that, and you're like, oh,
Speaker 2: I don't want to have these conversations. So I'd often
Speaker 2: find that after those sessions, women would loiter back and
Speaker 2: ask me these questions they weren't comfortable asking in front
Speaker 2: of other people, or they would email me and ask
Speaker 2: these questions post the presentation. And so I decided to
Speaker 2: do a female only one and I called it She's
Speaker 2: on the money. And so for a few years I
Speaker 2: was doing these seminars and I loved them. I didn't
Speaker 2: do them for any other reason. I wasn't paid to
Speaker 2: do them, sadly, and I just adored it, like I
Speaker 2: loved the connections that I was creating, and the women
Speaker 2: that would say, Victoria, I didn't even know this, like
Speaker 2: it's so easy, and you know, I'm going to start
Speaker 2: investing or I'm going to do this or that, and
Speaker 2: it was just so beautiful that I wanted to carry
Speaker 2: those conversations on outside of the workshop. So I created
Speaker 2: a Facebook group, and that Facebook group is She's on
Speaker 2: the money. And I remember it's starting to grow, and
Speaker 2: people that I didn't know were joining, and I was like,
Speaker 2: who are you. I didn't invite you, Like I don't
Speaker 2: know you.
Speaker 3: This is all you.
Speaker 2: And people would message me and say, oh, hey, Victoria,
Speaker 2: I hope you don't mind. I went to one of
Speaker 2: your workshops. But my sister didn't. But I think that
Speaker 2: she'd love your Facebook group.
Speaker 3: Is it alright?
Speaker 2: If it had her? And I'd be like, of course,
Speaker 2: Like they're more than Maria. And so I thought, oh,
Speaker 2: there's all these people that haven't been to my workshops
Speaker 2: and haven't understood, you know, what I'm about. So I'm
Speaker 2: going to start doing some structured content. So every week
Speaker 2: I would cover a different topic and upload a little
Speaker 2: PDF for them to do their own thing, or you know,
Speaker 2: talk about a specific topic or I did this pretty
Speaker 2: consistently for about twelve weeks, and I was shook because
Speaker 2: I ended up having seventeen hundred people in the Facebook
Speaker 2: group like and at that time, I was like, seventeen
Speaker 2: hundred people, Like, what am I going to do with this?
Speaker 2: And I asked them, literally, I was like, how do
Speaker 2: I do this? And I asked them who are you
Speaker 2: all come from?
Speaker 1: Like?
Speaker 2: Am I famous?
Speaker 1: Like?
Speaker 2: It literally was overwhelming, and I said to them, what
Speaker 2: do you want next? How can I help you learn more?
Speaker 2: Because I'm genuinely just passionate about sharing this information? And
Speaker 2: they said, can you create a YouTube channel? And I
Speaker 2: was like, ah, no, not a chance, not a chance,
Speaker 2: it's not happening. I'm not confident enough for that, says.
Speaker 1: The now famous TikTok person. But whatever, Okay, so weird, right,
Speaker 1: so weird. Someone's got a little confidence that they didn't
Speaker 1: have before. And I might have a few tickets on
Speaker 1: myself now that I definitely didn't have before.
Speaker 2: But that is okay, that is personal growth a.
Speaker 3: So that's part of the GIT.
Speaker 1: That is seizing your ya babe, that is getting rid
Speaker 1: of the NATA thank you, and.
Speaker 2: It's so fun. But I was really afraid of judgment
Speaker 2: and I was really afraid of what people would think.
Speaker 2: And I felt like in video, I didn't have the
Speaker 2: flexibility to construct the conversation in the same way that
Speaker 2: I could and a Facebook post because you can profread
Speaker 2: it and think about it and you know, make sure
Speaker 2: your stats are right. I was just really nervous, right,
Speaker 2: So they wanted me to do a YouTube, and I
Speaker 2: just wasn't comfortable with it. And at the time, Michelle
Speaker 2: and Zara from Shameless with people that I was having
Speaker 2: chatsko than friends of mine, and I said, how do
Speaker 2: I do a podcast? Like would they would they take
Speaker 2: a podcast anyway? And they saw the vision that I
Speaker 2: saw for a podcast, and they helped me to bring
Speaker 2: to life the first season of the She's on the
Speaker 2: Money podcast with twelve episodes, And we originally thought it
Speaker 2: would just be those twelve episodes, like you know, I
Speaker 2: jam packed them full of value, and I genuinely felt
Speaker 2: like that was all we'd ever do, because who wants
Speaker 2: a podcast on money? Right? Like, there weren't really any
Speaker 2: other podcasts on money, especially for women, and I felt like, okay, cool,
Speaker 2: Like if we put these twelve episodes out into the universe,
Speaker 2: like they will help people, and because they're up on
Speaker 2: a podcasting platform, people can come back to them time
Speaker 2: and time again. They could re listen or you know,
Speaker 2: be introduced like a year later, and that will be enough. Anyway,
Speaker 2: it kind of, and I say kind of blew up,
Speaker 2: I don't mean kind of blew up. It genuinely did
Speaker 2: blow up. And you know, we finished season one and
Speaker 2: I decided that, you know, after quite a lot of
Speaker 2: demand to bring it back, after a couple of months
Speaker 2: of people going when's the next season? And I was okay, like, ah,
Speaker 2: there wasn't ever one planned. So I had to work
Speaker 2: out a way to actually get a second season and
Speaker 2: start producing it. And Michelle and Zara was so busy,
Speaker 2: and obviously they've gotten incredibly successful podcasts, so it wasn't
Speaker 2: an option to continue it that way. And yeah, we
Speaker 2: found a way, and now she's on the money. From
Speaker 2: those seventeen hundred people that wanted a YouTube and didn't
Speaker 2: get one, we've grown to more than one hundred and
Speaker 2: seventy thousand people in that Facebook group, and a podcast
Speaker 2: that gets more than a million downloads every single month,
Speaker 2: and I think we're number seven still in the country
Speaker 2: for podcasts on the podcast Rancor and that's been since January,
Speaker 2: which is which is crazy. And yeah, that's I guess,
Speaker 2: in a very long way, my journey and how I'm
Speaker 2: gone from being someone who you know, really didn't have
Speaker 2: confidence and really didn't you know, trust themselves or understand
Speaker 2: themselves or know what I wanted to do all the
Speaker 2: way through to a guess having this community and I
Speaker 2: still don't know what I'm doing. We're making it up
Speaker 2: as we go and it's working well, and I'm grateful
Speaker 2: I have a team behind me that she's on the
Speaker 2: money team is I think we've got seven of us now.
Speaker 2: And you know, I've got a wealth business on the side, Zella.
Speaker 2: I had a business partner and a year and a
Speaker 2: half ago I bought him out. So now Zella is
Speaker 2: one hundred percent mine and it's all me. And yeah,
Speaker 2: it's it's crazy to think that from and I say
Speaker 2: this quote all the time, but like from little things,
Speaker 2: big things really do grow.
Speaker 1: And yeah, I need to get that song on now,
Speaker 1: Oh my gosh.
Speaker 2: Yes, But it's so true, and you know, I look
Speaker 2: back on it, and you know, now you've heard that story,
Speaker 2: I feel like people go, oh, that made so much sense,
Speaker 2: like you can see how the logical steps happened. But
Speaker 2: at that point in time, like it did feel like
Speaker 2: a crisis when I'd done three years of study for
Speaker 2: psych and then realized I didn't want to be a psychologist.
Speaker 2: And then, you know, even when I was in this
Speaker 2: role that I didn't like that, I just felt like
Speaker 2: I wasn't fitting into, Like I didn't know what I
Speaker 2: was going to do, and I just wanted to take
Speaker 2: a leap, but didn't know what was right, and it
Speaker 2: was scary and terrifying. And I guess, you know, even
Speaker 2: starting She's on the Money was hard. And people think
Speaker 2: it's great now and I absolutely adore every thing about
Speaker 2: it and I always have, but I remember I got
Speaker 2: a lot of criticism at the start and people saying
Speaker 2: that it was lame, and you know, no one wants
Speaker 2: to talk about money. And I used to ask my girlfriends, like, oh, hey,
Speaker 2: so I just did this post in my Facebook group,
Speaker 2: can you go like it? It's because no one's liked
Speaker 2: it yet, and it's one of those things. Yeah, but
Speaker 2: it's true, right like, and we all grow from places
Speaker 2: and we're all not confident in what we do at
Speaker 2: the beginning until you know, we seek some kind of validation.
Speaker 2: And it's silly because we should be validating ourselves and
Speaker 2: know that inherently if we're making the leave and we're
Speaker 2: making this decision, like, there's a reason we're bringing it
Speaker 2: to the table. And I think the second you try
Speaker 2: to be everything to everybody, you really dilute the value
Speaker 2: that you bring to the table, and you really do
Speaker 2: yourself a disservice because you are so valuable and there
Speaker 2: are people out there who are going to adore you.
Speaker 2: But the more you're adored, the more people that don't
Speaker 2: resonate with your story and your journey. And it could
Speaker 2: just be because it highlights to them a deficiency they
Speaker 2: have selt makes them feel really uncomfortable. But I guarantee
Speaker 2: you the people that aren't comfortable with you, they don't
Speaker 2: know you, They don't know anything about you, and it's
Speaker 2: never actually about you. It's always about them, like it's
Speaker 2: a reflection of their own feelings and their thought patterns,
Speaker 2: has nothing to do with us. And I think that
Speaker 2: when you can genuinely start seeing that and see that
Speaker 2: you know it's actually never about me, It's actually about
Speaker 2: something that they're experiencing, and you know, maybe I could
Speaker 2: help them through that, or maybe they're not ready for that.
Speaker 2: That's okay, but it really helps you understand that you know,
Speaker 2: the world is a good place and there are just
Speaker 2: some eggs that make you feel a bit sad sometimes.
Speaker 1: And also that any worthy journey where you're doing something
Speaker 1: a bit different, like I've spoken about it quite a
Speaker 1: few times with people who have been the first or
Speaker 1: among the first in an area or an industry where
Speaker 1: they're doing something quite different, is when you're the first
Speaker 1: person to do something, it's going to draw a lot
Speaker 1: of negativity at the beginning. It's going to feel really uncomfortable.
Speaker 1: But nothing is cool until.
Speaker 3: It is right. Like finance is cool until you made
Speaker 3: it cool.
Speaker 1: Like now it's so cool to be financially secure, like
Speaker 1: you've turned that into something that people want to be
Speaker 1: associated with financial savvy and financial literacy, Like it's not
Speaker 1: cool to not know your books. It's not cool to
Speaker 1: be winging it in and struggling and not having support
Speaker 1: and resources. But it's really uncool until someone makes it
Speaker 1: that way, and you just happen to be the person
Speaker 1: that's forged a really unique path, facing all these obstacles
Speaker 1: to get through to now take it to where it is.
Speaker 1: And I love that because the quote I always say
Speaker 1: is someone out there is looking for exactly what you have.
Speaker 1: But people think that you found all those people overnight.
Speaker 1: But this chat reminded me that, actually, like you know,
Speaker 1: even the way that people sometimes refer to a jump
Speaker 1: from one industry to another as a leap, I think
Speaker 1: that detracts from the fact that it isn't one big
Speaker 1: jump that happens overnight. You didn't just go, I'm going
Speaker 1: to leave from like a shit time one job to
Speaker 1: a really great time where I'm really popular in another.
Speaker 2: No one gets to do that, and it's entitled to
Speaker 2: think that too, because there's so many factors in the background, right, Like,
Speaker 2: I had to work out whether I could afford to
Speaker 2: do that. And fortunately, at that point in time, I
Speaker 2: was young, I had housemates, I didn't have any commitments,
Speaker 2: they didn't have any responsibilities, so I could move and
Speaker 2: I could take a job that you know, didn't pay
Speaker 2: as much. But I kind of saw it as an opportunity,
Speaker 2: and to be honest, at that point in time, it
Speaker 2: wasn't about pay. I was just miserable and was like,
Speaker 2: oh god, I'll do that, thank you, Like that'll be
Speaker 2: more than enough money for me to pay rent and
Speaker 2: still go out and buy bottles of prosecco with my
Speaker 2: girlfriends to hang out at Precinct on the weekend. I
Speaker 2: definitely like, wasn't the type of person that was like, okay, cool,
Speaker 2: like this is going to be my career. Like I'm
Speaker 2: very study driven. That's what I love and what I adore.
Speaker 2: But I think that people think I'm just this person
Speaker 2: that sits at home and reads and you know, doesn't engage.
Speaker 2: And while I'm not that person anymore. I don't go
Speaker 2: to Precinct on the weekends. I'm sorry, I don't. Yeah, sorry,
Speaker 2: I don't even drink that much. I'm so borry. But
Speaker 2: past me, like obviously would be very proud of what
Speaker 2: I've achieved. She found out that I got excited over
Speaker 2: the fact that I got a new dishwasher yesterday.
Speaker 3: Like oh babe, oh it's her dream.
Speaker 2: Oh it's happened.
Speaker 1: And wait, before your time, it not even in your
Speaker 1: thirties yet, Like yes, I literally.
Speaker 2: Have like twenty days left of my thirties and this
Speaker 2: is how I'm spending Victoria.
Speaker 1: But I love that so much because it really is
Speaker 1: like I was struggling a lot. You know how much
Speaker 1: research I do before these episodes, and I really wanted
Speaker 1: to use a big part of the episode. You are
Speaker 1: just such a fountain of practical knowledge that has really
Speaker 1: made some really unsexy and sometimes stigmatized. Like you know,
Speaker 1: a lot of people grew up in a time where
Speaker 1: you didn't talk about money, religion, and politics, Like there
Speaker 1: is a lot of stigma around financial conversations, but it
Speaker 1: does hold us back in a lot of ways, and
Speaker 1: as you mentioned in the workplace, like it's very difficult
Speaker 1: to have these conversations if you don't have a support network.
Speaker 1: But I love that you've not just made a very difficult, intimidating, complicated,
Speaker 1: multifaceted area, very approachable and non judgmental as well, like
Speaker 1: your book, your podcast, everything comes from such a place
Speaker 1: of it doesn't matter where you are, there's no bad,
Speaker 1: there's no wrong, it's just how can we improve you
Speaker 1: from here? I wanted to spend so much of the
Speaker 1: episode on the practical tips that you have.
Speaker 2: I feel like that's exactly what we've done. So I
Speaker 2: do apologize, but I genuinely agree with you there, and
Speaker 2: I think that that's something that is really special about
Speaker 2: She's on the Money, right, Like it actually came from
Speaker 2: a place of love, and I think that that's why
Speaker 2: it has a different vibe and it has this community
Speaker 2: behind it, and it's not you know, obviously now it
Speaker 2: is a business, and I'm so grateful that it is
Speaker 2: because I can employ some really beautiful people to help
Speaker 2: me educate even more people. But for me, the idea
Speaker 2: if She's on the money came from this place of
Speaker 2: love and from giving, and it was never something about
Speaker 2: making money because I had a business, I had something
Speaker 2: else on the side, And you know, I never thought
Speaker 2: in my wildest dreams that this is where we would be.
Speaker 2: And I guess that's what we always as a team
Speaker 2: come back to as well, is like are we serving
Speaker 2: our community? Are we putting them in the best possible position?
Speaker 2: Are we giving them every single tool and resource they
Speaker 2: need to be savvy and financially literate and you know,
Speaker 2: educated and empowered. And I guess that comes from me,
Speaker 2: you know, if we distell it down having experienced this
Speaker 2: ultra high net wealth world where they can afford all
Speaker 2: the advice in the world, and I just saw such
Speaker 2: an unfair advantage that they could access awesome advice and
Speaker 2: my friends couldn't. And I guess that's where she's on
Speaker 2: the money came from, and I guess, and I hope
Speaker 2: that it'll always feel that way to people. And you know,
Speaker 2: you're a quote person, and I love that about you.
Speaker 2: It makes me so But a quote that's really helped me,
Speaker 2: especially along this journey, because people aren't your greatest fans,
Speaker 2: Like some people just really don't like what I do,
Speaker 2: because you're right, it's money, religion, and politics, and if
Speaker 2: you talk about those you make a lot of people uncomfortable.
Speaker 2: But the quote is you'll never be criticized by someone
Speaker 2: who is doing more than you. You will only ever
Speaker 2: be criticized by someone who is doing less. And that
Speaker 2: brings me a lot of joy because I just know
Speaker 2: that if ever someone says something that you know doesn't resonate.
Speaker 2: And I'm all about feedback, right, like if you tell me, like, hey, Victoria,
Speaker 2: just don't think that landed well enough or you didn't
Speaker 2: do you know enough here and you know, people slide
Speaker 2: into our dms all the time and give us different perspectives,
Speaker 2: and I'm so grateful for that. I never want that
Speaker 2: to stop. But sometimes, as you would know, Sarah, in
Speaker 2: a place of I guess the social media world, like
Speaker 2: people are just mean and they are just rude, and
Speaker 2: that quote really helps me in that space.
Speaker 3: I love it so much.
Speaker 1: I haven't heard that one, and it's I think one
Speaker 1: of my new favorites because it's so true what I
Speaker 1: was saying before though about the fact that I really
Speaker 1: wanted to use a lot of this episode for you know,
Speaker 1: a lot of the practical tips, but because the book
Speaker 1: is the most comprehensive, covers literally everything from saving super homeloyns,
Speaker 1: investment children, like estate planning. It is the most comprehensive,
Speaker 1: like approachable, really just beautifully worded in such a really
Speaker 1: demystifies quite intimidating areas because people can get it in
Speaker 1: the book. I'm so glad that we spent more of
Speaker 1: the time on the story because no, thank you, it
Speaker 1: doesn't get as much airtime, right like people come straight
Speaker 1: to you in interviews.
Speaker 2: No, and it's not something I share either. It's not
Speaker 2: because she's on the money isn't me. It is not
Speaker 2: about me. It is about the people in my community.
Speaker 2: And I've really shied away in the book actually from
Speaker 2: talking about my personal experience because that doesn't help you.
Speaker 2: I wanted to fill it full of value and things
Speaker 2: that could actually help you, and money stories from my
Speaker 2: community that I thought were really interesting or inspiring or
Speaker 2: just relatable, because I didn't want to give you a
Speaker 2: whole chapter on saving and then not have relatable examples
Speaker 2: of people who have done it to inspire you to
Speaker 2: take the next steps. And you know, my publishers were
Speaker 2: really frustrated with me because when I started writing, they said, Hey,
Speaker 2: here's the word count that we're aiming towards, and how
Speaker 2: many chapters have you got that you think you'll write
Speaker 2: on And you know, you've written a book, so you
Speaker 2: would know that. You give them the skeleton and the
Speaker 2: outline of the book and you go, yep, this is
Speaker 2: what I think I'll write. And I started writing, and
Speaker 2: then I'd call them and be like, hey, I just
Speaker 2: I want to do another chapter, is he I just
Speaker 2: I think that this is going to be really good.
Speaker 2: And then she would be like, yeah, no problems, And
Speaker 2: then I had this chapter that included saving, and so
Speaker 2: I started writing that and then I called her. I
Speaker 2: was like, ah, yeah, so I wanted Saving to be
Speaker 2: up it's own chapter and I want to call it
Speaker 2: this and she'd be like, okay, no problems. So now
Speaker 2: we're up to like twenty two chapters. What are we
Speaker 2: going to do next? And I was like, okay, so
Speaker 2: also in addition to this one, we have a plan
Speaker 2: and she'd just be like, this is not the book
Speaker 2: we agreed to, but okay, no. And it's one of
Speaker 2: those things that it really evolved over time, and it really,
Speaker 2: you know, grew, and I knew I wanted money stories
Speaker 2: to be a part of it, but I thought i'd
Speaker 2: have a couple, right, But every single chapter has like
Speaker 2: one or two because I just couldn't stop, Like I
Speaker 2: just the second I was there, I was like, oh,
Speaker 2: this feels empty without another story in it. And yeah,
Speaker 2: I just feel like I'm so grateful to have been
Speaker 2: able to bring to life exactly what I wanted. She's
Speaker 2: on the money the book to be, but also that
Speaker 2: you know, it's to me a gift, like it is
Speaker 2: like not you know, buy for other people gift, but
Speaker 2: more just like a gift of financial literacy, Like hopefully
Speaker 2: it encompasses absolutely everything that young women need to feel
Speaker 2: financially secure and know they're on the right path. I'm
Speaker 2: very acutely aware that it's not the only financial book
Speaker 2: you'll ever need, because I want you to learn more
Speaker 2: and absorb more, and I'm never going to pretend to
Speaker 2: be absolutely everything to everybody. But I hope that it
Speaker 2: is the right start for people. It is the right
Speaker 2: step in the right direction to give you the confident
Speaker 2: that you genuinely deserve to be financially successful, and you know,
Speaker 2: a touch on everything. But it's not like this is
Speaker 2: your guide to ultimate investing, but it will teach you
Speaker 2: what you need to take into consideration and the next
Speaker 2: steps and where to start, and how to understand your
Speaker 2: risk profile and you know, will Sarah, how should you invest?
Speaker 2: I don't tell you what to invest in, though, because
Speaker 2: that's not my position. That's not my job. Only you
Speaker 2: can decide that. So I think that it is one
Speaker 2: of those things where you know, people are like, oh,
Speaker 2: is this the be all end or finance book, And
Speaker 2: I'm like, of course not, Like I want people to
Speaker 2: read more and educate themselves and have lots of different opinions,
Speaker 2: and you know, even take what I say with a
Speaker 2: grain of salt, because you should be, you know, always cautious.
Speaker 2: Like we're talking about finance here, that's really personal. So
Speaker 2: I can't be everything to everybody, But I hope that
Speaker 2: this book can be everything you need to know to start.
Speaker 3: I think it absolutely is.
Speaker 1: It's such a comprehensive framework, and I love that it
Speaker 1: does give it an overlay of really every area at
Speaker 1: all different stages of your life that you would need
Speaker 1: to think about and enough understanding to then know where
Speaker 1: you would want to look if you did need to
Speaker 1: go further into something. Yeah, just quickly jumping in before
Speaker 1: we continue with today's episode, because firstly, my lips have
Speaker 1: been getting so dry lately from recording and talking so
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Speaker 3: Now back to the show.
Speaker 1: What you said before is really interesting that you're like,
Speaker 1: I didn't include a lot of the backstory we've discussed
Speaker 1: today because it's not helpful, or as I've spent most
Speaker 1: of my time on that. Because you can get your
Speaker 1: actual financial knowledge and advice, which is immeasurably important and invaluable.
Speaker 1: You can get that in the book, and I think
Speaker 1: everyone should go and buy the book links in.
Speaker 3: The show notes.
Speaker 1: But I think it is helpful to have heard your
Speaker 1: personal story as well, because people will pick up this
Speaker 1: book now with some context and know that you didn't
Speaker 1: wake up like this. That She's on the Money has
Speaker 1: definitely not been an overnight success. It started as a
Speaker 1: Facebook group, and that's a thing with anyone who has
Speaker 1: big dreams and big visions and who does put you
Speaker 1: on a pedestal as this incredibly high achieving, intelligent warm
Speaker 1: author now honestly podcaster Forbes thirty under thirty that you
Speaker 1: also started small. You started not knowing where She's on
Speaker 1: the Money would go.
Speaker 3: You started through a.
Speaker 1: Facebook group, a podcast with what just one season, a
Speaker 1: podcast with two seasons. Like before the book, there have
Speaker 1: been so many chapters before this one to get here,
Speaker 1: and I love that you've taken us through the fact
Speaker 1: that it's never too late. Really, you can have had
Speaker 1: so many careers before you stumble upon the thing that
Speaker 1: clearly you are now this was your God given purpose
Speaker 1: on this air.
Speaker 2: Oh absolutely, And I'm really grateful for that. And you
Speaker 2: know it's not something that you think about, right you
Speaker 2: see it now when you go, wow, it's so polished
Speaker 2: and so professional, bit Sarah. The first logo I made
Speaker 2: for my Facebook group. I didn't know how to use
Speaker 2: Photoshop or any kind of editing tools to create logos,
Speaker 2: and I sure as hell didn't have any money to
Speaker 2: pay for one, so I made it on power Point
Speaker 2: with a free font that I downloaded from the internet,
Speaker 2: and I made a hot pink, because what is better
Speaker 2: than a hot pink? And then I screenshot it and
Speaker 2: that became our logo. And I just think that, you know,
Speaker 2: if you want to do something, it doesn't matter what
Speaker 2: it's going to not cost, like, it just matters that
Speaker 2: you start and that you know, the polished logo can
Speaker 2: come later. But find your community, find the people that
Speaker 2: you can love, and love them hard because they will
Speaker 2: help you grow. And now, you know, I'm so grateful that,
Speaker 2: you know, I did get to work with a designer
Speaker 2: at one point to bring together our website and our
Speaker 2: logos and stuff, and they are so much better than
Speaker 2: they used to be. But I'm not embarrassed of the journey.
Speaker 2: I'm not embarrassed of what they used to be. And
Speaker 2: I think that you know, there's this saying and I'm
Speaker 2: not going to get this right. But they say that
Speaker 2: if you're not embarrassed of the first thing you put
Speaker 2: to market, like oh, you didn't start soon enough or
Speaker 2: something along those lines, And I just look at it.
Speaker 1: I always say that if you don't cringe, you're doing
Speaker 1: it wrong, Like it's meant to I.
Speaker 2: Get that, And you know what, my logo is real
Speaker 2: cringey and like awful. But I wouldn't say ever that
Speaker 2: I'm embarrassed of it, because that's part of my journey.
Speaker 2: And like that girl that just wanted a Facebook group
Speaker 2: to talk to her friends and these people in our
Speaker 2: workshops about money, like she did those things for the
Speaker 2: right reason, and she's created this, and like we need
Speaker 2: to be respectful of the journey as well. And that's
Speaker 2: something I say about finance all the time, is we
Speaker 2: are often too hard on ourselves for our past spending habits.
Speaker 2: We are often too hard on ourselves for what we've
Speaker 2: been through. Because you know, you might pick up this
Speaker 2: book and go, okay, great, and thankfully I do cover
Speaker 2: this in the book, so hopefully nobody experiences this. But
Speaker 2: you pick up a finance book and go, oh my gosh,
Speaker 2: I've been doing it so wrong. I feel so bad
Speaker 2: I've wasted so much money, or I'm in so much debt,
Speaker 2: or I can't believe I did that. I'm so silly,
Speaker 2: I'm so stupid, And it's just not how we should
Speaker 2: be treating ourselves. Like past you did absolutely everything they
Speaker 2: could with the tools and resources they had at the time.
Speaker 2: Just because you have new tools and new resources and
Speaker 2: your new vision doesn't mean that you did the wrong
Speaker 2: thing at the time for you, and that person has
Speaker 2: created today's person. So I think we need to genuinely
Speaker 2: honor them and care for them and really put them first,
Speaker 2: because if we look backwards, it doesn't serve us in
Speaker 2: any way, shape or form. So I think that the
Speaker 2: guilt that we feel over, you know, the debt we're in,
Speaker 2: it's just unnecessary and it doesn't serve us. There's no guilt,
Speaker 2: there's no shame, there's nothing in it. It just is
Speaker 2: part of your money story. And that's pretty cool because
Speaker 2: it doesn't have to remain your money story. You get
Speaker 2: to change that, and that's awesome.
Speaker 1: I actually applied so much of that and those chapters
Speaker 1: about your money story and neuroplasticity and rewiring the beliefs
Speaker 1: and approach you have to your financial health and freedom,
Speaker 1: and how you can at any time of your life
Speaker 1: change the pathway that you're on. I applied that so
Speaker 1: much to career and joy and fulfillment because again, like
Speaker 1: because we're so instant gratuity based, we want to get
Speaker 1: to the passion a job and dream life. I think
Speaker 1: everyone wants to rush there. They want to have a book,
Speaker 1: they want to have a number one podcast, they want
Speaker 1: to have everything now, but they forget that if you
Speaker 1: had had the idea for She's on the Money as
Speaker 1: it is right now, but ten years ago and skipped
Speaker 1: the whole psychology chapter and you would have been too young, Like,
Speaker 1: it wouldn't have worked. So you're actually not meant to
Speaker 1: skip any of those chapters. Nothing is ever a waste
Speaker 1: if you learn something, and there's something about the passage
Speaker 1: of time that actually makes the dream possible. If you
Speaker 1: tried any earlier, the world might not have been.
Speaker 3: Ready for it.
Speaker 2: It just wasn't going to work. Like you are exactly
Speaker 2: where you are supposed to be. And I think that
Speaker 2: I always get, you know, a lot of solace out
Speaker 2: of that because sometimes life is hard, and you know,
Speaker 2: like now that I've quote made it, which lots of
Speaker 2: people say, like Forbes thirty under thirty like, way to
Speaker 2: put more pressure on me, guys, Oh my gosh. People
Speaker 2: are like, well, where too next. I'm like, I don't know,
Speaker 2: Like I was in bed, I don't know what am
Speaker 2: I supposed to do now, Like you guys are putting
Speaker 2: so much pressure on me to perform now. And I
Speaker 2: think that you don't see it from that aspect, But
Speaker 2: I think that the solace in knowing that I'm exactly
Speaker 2: where I need to be right now in this moment,
Speaker 2: and that I, you know, am serving my purpose and
Speaker 2: you know, I just want to live every day as
Speaker 2: me and that is you know, that's what I prioritize.
Speaker 2: And I think that you know, people always like, oh
Speaker 2: my gosh, like you must hustle so hard. Yeah, Like,
Speaker 2: I guess I work a lot, but like I also
Speaker 2: really love a wine on the couch with my partner.
Speaker 2: And I've got two cats and a dog and I
Speaker 2: just love spending time with them. And you know, I
Speaker 2: love spending time with my parents and my sister. And
Speaker 2: you know, it's I'm not who people seem to think
Speaker 2: I am. And I think that that's a really important
Speaker 2: thing to remember. That we've all got lives outside of
Speaker 2: what you see on social media and what you hear
Speaker 2: on a podcast, and you know, nothing happens overnight, Like
Speaker 2: I didn't just end up with this massive podcast where
Speaker 2: you know, millions of people listen and thankfully I'm really
Speaker 2: grateful for this week and put advertising on and you know,
Speaker 2: create a revenue stream from that so I can employ
Speaker 2: people like I had to pay for the first season.
Speaker 2: It was really expensive. It was really expensive, and I
Speaker 2: didn't know that you could do podcast advertising. I remember
Speaker 2: when I first got approached and I was like, what
Speaker 2: you can do?
Speaker 3: What I can make, I can break even you're very.
Speaker 2: Joking, Like, I just remember that was never the intention.
Speaker 2: I didn't even know that was an opportunity. And to
Speaker 2: be honest, I think that in a space where we
Speaker 2: are talking about money, had I had that intention, it
Speaker 2: just wouldn't have worked anyway. So I think that my
Speaker 2: naivity at that time actually served us really well, which
Speaker 2: is also a very very common theme in this podcast
Speaker 2: that actually naivity sometimes is better because otherwise you would
Speaker 2: overthink it with too much knowledge and awareness, Like maybe
Speaker 2: you wouldn't rip the band aid the same way that you.
Speaker 1: Did literally well, I do actually want to ask you
Speaker 1: about that whole productivity pressure, and I have a tiny
Speaker 1: bit de into your identity outside if she's on the money,
Speaker 1: because I think it is really important that we all
Speaker 1: have a plata as you know. But six days out
Speaker 1: at the time of recording from this beautiful book actually
Speaker 1: coming into the world.
Speaker 2: It's wild. It's less than really, I believe you feel
Speaker 2: like I'm having a baby.
Speaker 1: You are actually Actually that is actually what you're doing,
Speaker 1: except that more people are going to touch it and
Speaker 1: feel it and have it in their homes than your
Speaker 1: actual child.
Speaker 2: There's actually no pain, like I don't have to go
Speaker 2: through the birthing process.
Speaker 3: You kind of don though you've had a long pregnancy.
Speaker 2: Yeah, I cried a lot.
Speaker 1: I think it is no shit, the book that we
Speaker 1: all need so much, like it is filling a gap
Speaker 1: you can safely say, which not many authors can say.
Speaker 1: That you're actually putting something out into the world that
Speaker 1: doesn't exist, and that speaks to a whole, huge portion
Speaker 1: of the world's population in a way that no one
Speaker 1: else speaks to them, which is so exciting. If you
Speaker 1: had to distill just quickly for us, the three biggest
Speaker 1: tips you would say to a financial newbie, and the
Speaker 1: three biggest myths that you bust or the myth that
Speaker 1: you hear constantly, what would they be?
Speaker 3: Just as a little taster, no crush.
Speaker 1: I know, I know, because obviously people can go and
Speaker 1: get you know, do their own further research and listen
Speaker 1: to the pod and buy the book, which of course
Speaker 1: we want them to do.
Speaker 2: But just a taster, okay. So I think the first
Speaker 2: thing is understanding your money story. It is the first
Speaker 2: chapter in my book. And if you don't understand who
Speaker 2: you are and where you want to go and where
Speaker 2: you're coming from, how on earth do you think you're
Speaker 2: going to get anywhere? Like you were going to fall
Speaker 2: off track if you start budgeting like somebody else because
Speaker 2: that's their plan, is not your plan. And I think
Speaker 2: that understanding your money story and giving yourself time to
Speaker 2: process why your thoughts, values, beliefs, and behaviors around money
Speaker 2: are the way they are is really going to serve
Speaker 2: you well. And I think a lot of people would
Speaker 2: have just jumped into like here's a hot money tip
Speaker 2: in mind's like just to understand you like that thing
Speaker 2: to do? So that would be hot to number one
Speaker 2: hot tip Number two is to understand your budget and
Speaker 2: cash flow and stop seeing your budget as restrictive and
Speaker 2: start seeing it as a way that you can personally
Speaker 2: make sure that your money is flowing in line with
Speaker 2: your values and your beliefs. Like how cool is it
Speaker 2: that we get to make sure that that comes to life,
Speaker 2: Like we have an opportunity here. It's not about saying, oh, well, okay,
Speaker 2: next week, I'm only going to spend seventy dollars on
Speaker 2: groceries because I read that that was a pretty good number.
Speaker 2: Like sorry, if food spucks your joy, and that is
Speaker 2: the one thing that you adore, and you know, my
Speaker 2: partner and I love cooking and I love food. Like
Speaker 2: if you said I really had seventy dollars in a week,
Speaker 2: I'd be like, hi, Sarah, So you can just put
Speaker 2: that opinion right in the bin over there and put
Speaker 2: that straight outside, because I couldn't do that. You might,
Speaker 2: because you might have other values and things that you're
Speaker 2: working towards, but I don't want you to take those
Speaker 2: things off me. And that's why in the book I
Speaker 2: never talk about percentages, and frustratingly, I'm sorry. I don't
Speaker 2: say things like oh, well, you need to save two
Speaker 2: twenty percent of your income, because that's really unfair. What
Speaker 2: if you earn forty thousand dollars and you have a child,
Speaker 2: like you can't save twenty percent, and that's a really
Speaker 2: unfair expectation that I'd put on you. Whereas conversely, if
Speaker 2: someone reads this and they earn four hundred thousand dollars,
Speaker 2: you best believe I'd be expecting them to save a
Speaker 2: lot more than twenty percent because their cash flow is
Speaker 2: so high. So it is not fair to put percentages
Speaker 2: on people. And that's why I want you to understand
Speaker 2: your budget. And a budget is not a spending plan.
Speaker 2: It is not a you know, a reflection of how
Speaker 2: much you're allocating to each area. It's actually understanding what's
Speaker 2: coming into your bank account and what's going out of
Speaker 2: your bank account and whether it flows in line with
Speaker 2: your values. And then the third thing is a bit
Speaker 2: of a pivot from there, and that's understanding your superannuation.
Speaker 2: And your super is so powerful, like your super is
Speaker 2: literally you guys at this point in time, investing a
Speaker 2: minimum of nine point five percent each and every single month,
Speaker 2: like not many of us could that. We've been doing
Speaker 2: that since we started working when in reality, that's what
Speaker 2: we are doing. And it is your money, and you
Speaker 2: need to care about it, and you need to make
Speaker 2: sure that it is working in line with your values,
Speaker 2: but also that it is working as hard as you
Speaker 2: do for it. Yeah, you can't touch it until you retire,
Speaker 2: but that's what's going to prop up your retirement. So
Speaker 2: we need to start caring about that now. Because you know,
Speaker 2: a good example, and I do use this in the book,
Speaker 2: is if you started investing five hundred dollars a month
Speaker 2: as a twenty year old, at the time you retire,
Speaker 2: you'd have an investment portfolio worth one point two million dollars.
Speaker 2: And that one point two million dollars if you had
Speaker 2: only saved five hundred dollars a month, you would have
Speaker 2: two hundred and forty thousand dollars. But you could literally
Speaker 2: have essentially a million dollars more if it was invested
Speaker 2: instead of just saved. And the special thing about a
Speaker 2: one point two million dollar portfolio is that it will
Speaker 2: generate you a passive income or average of sixty thousand dollars.
Speaker 2: Like what you're going to have a passive income of
Speaker 2: sixty grand when you retire. You just start saving like
Speaker 2: five hundred bucks a month, that's wild. But if I
Speaker 2: then said the same thing and said, hey, Sarah, do
Speaker 2: you want to retire with one point two million dollars?
Speaker 2: But you know you haven't really prioritized it and you're
Speaker 2: now fifty, great, Like, let's work towards that. Have you
Speaker 2: got seven and a half thousand dollars a month to save? Like,
Speaker 2: can you do that?
Speaker 3: It's wild.
Speaker 2: The difference between putting it first and really understanding it
Speaker 2: while we're young means we just make a few small changes,
Speaker 2: set up some really good habits, and keep consistent with
Speaker 2: those habits. Whereas if I get to you too late, well,
Speaker 2: we actually have to be really aggressive, and at that
Speaker 2: point we have to significantly compromise our lifestyles and sell
Speaker 2: assets that we might have, and you know, create a
Speaker 2: way to make that work. And nobody has seven and
Speaker 2: a half thousand dollars of free cash flow to invest.
Speaker 2: So I think it is really important to start prioritizing
Speaker 2: souper now because that's what it can do for you. Like,
Speaker 2: that's pretty sexy if you ask me, Oh.
Speaker 1: My god, you have Like that was my favorite chapter
Speaker 1: and I was reading it like shrinking into my a
Speaker 1: little bit because you do it in such a non
Speaker 1: judgmental way.
Speaker 3: I wasn't feeling any shame, but I was like Jesus.
Speaker 2: Christ, and like the example of doing it at twenty
Speaker 2: is it even makes me feel a little bit attacked
Speaker 2: because I definitely wasn't saving five hundred. I'm kind of like, hey,
Speaker 2: here's this missed opportunity that I missed that I hope
Speaker 2: you don't. But it's really important to understand why we're
Speaker 2: doing these things because so many times people are like, oh, retirement,
Speaker 2: I don't care about that, but yeah, sure, yeah, and
Speaker 2: we look at our parents and go that so far off.
Speaker 2: But if you ask them, hey, do you remember when
Speaker 2: you were thirty, they'll be like, oh, like it was yesterday,
Speaker 2: Like time flies, and you know, future us need to
Speaker 2: be cared for, like it's it's crazy and yeah, And.
Speaker 1: What about the myths that you hear or just more
Speaker 1: like the most common thing that people sort of Look.
Speaker 2: I've got a good myth for you, and that is
Speaker 2: that you need a good credit score, and to get
Speaker 2: a good credit score, you need to have credit cards.
Speaker 2: And that is absolutely not true. So to get a
Speaker 2: good credit score, you just need to pay your debts
Speaker 2: and you know, make sure that you don't default on
Speaker 2: your phone plan and make sure that all the bills
Speaker 2: that you get are paid on time and consistently. I
Speaker 2: think it's really interesting and it's such an American idea
Speaker 2: that you need to have a credit card to develop
Speaker 2: a credit score is absolutely not the case. And too
Speaker 2: many times do people fall down this slippery slope of
Speaker 2: getting it because they're like, oh, but one day, I
Speaker 2: want to buy a house and I want to have
Speaker 2: good credit, and it's actually putting you behind because having
Speaker 2: a credit card is actually a reflection of the fact
Speaker 2: that you're not that good at prioritizing your budget and
Speaker 2: saving for things, and that's actually not that sexy. And yeah,
Speaker 2: I think that that's something that a lot of us
Speaker 2: still believe in. And the second about buy now, pay later.
Speaker 2: I know that there's a lot going around at the
Speaker 2: moment about how quote doesn't impact your credit score, and
Speaker 2: they're running mythbusting. Literally it's doing me up the wall
Speaker 2: because they are running myth busting advertising campaigns where they're like, oh,
Speaker 2: it's a myth that this product actually impacts your credit score,
Speaker 2: and you're like, they're not wrong in that it only
Speaker 2: impacts your credit score if you default on a payment,
Speaker 2: which happens a lot, if you let it get out
Speaker 2: of hand, and it's only going to impact you negatively
Speaker 2: if you actually aren't using it properly, or you find
Speaker 2: yourself not able to make that month's repayments and it's
Speaker 2: just a little irresponsible. So for me, that is a
Speaker 2: myth that does impact your credit score because too many
Speaker 2: times we miss a payment or forget to transfer money
Speaker 2: into the account that it's direct debited from, and most
Speaker 2: of the time we're not trying to do the wrong thing.
Speaker 2: You just slipped up, and that does get tracked. But
Speaker 2: when it comes to getting a mortgage, if that's aligned
Speaker 2: to your values getting a mortgage, they do look at
Speaker 2: by now pay later schemes and platforms. They see it
Speaker 2: as you not being able to manage your cash flow.
Speaker 2: So it's as much as it might not impact your
Speaker 2: credit history, it is definitely on your banks statements and
Speaker 2: thanks when they are giving your mortgage review all of that.
Speaker 2: So for me, I think that those are probably two myths.
Speaker 2: I can't think of another one off the top of
Speaker 2: my head.
Speaker 1: I've got a third statistic or what is that it's
Speaker 1: from that section, which I found really interesting along with
Speaker 1: that myth busting about that the American perception of needing
Speaker 1: a credit card was that I can't remember the exact statistic,
Speaker 1: but just the buying behavior when you have a credit card,
Speaker 1: that the average purchase on a credit card is like
Speaker 1: one hundred and four dollars something, yeah, but if you
Speaker 1: did it on an f POS card, it's like fourteen dollars.
Speaker 1: So the mentality of having a credit card is that
Speaker 1: you spend, like, you just spend times as much, yeah,
Speaker 1: as money when it's your money that you have to
Speaker 1: have in that account.
Speaker 3: And how bizarrely you think you're.
Speaker 1: On an even playing field that you'll get you know,
Speaker 1: your points, but you'll pay it off from the cash
Speaker 1: that you've got, and it doesn't operate that way.
Speaker 2: And that's crazy, right, Like I feel like it's actually
Speaker 2: crazy that, you know, so many times we just don't
Speaker 2: assume that, Like if you've got a credit card, you'd
Speaker 2: be like, I'm not spending more. But I guarantee you
Speaker 2: if I made you get one hundred dollars out of
Speaker 2: the bank, and that was how much you only had
Speaker 2: in your hands to spend all groceries this week. You
Speaker 2: would be so much more conscious walking around to the
Speaker 2: supermarket picking up things and putting it in your trolley
Speaker 2: because you know that's all you've got, whereas when you
Speaker 2: have a credit card, you're like, oh whatever, like it's
Speaker 2: not a thing, Like I don't mind you, Like I've
Speaker 2: got this budget in my head and like hopefully it's
Speaker 2: about that. But you just have a different mentality and
Speaker 2: it is a different mindset, and yeah, it's really frustrating
Speaker 2: because you just trust you feel a bit stooged. Yea.
Speaker 1: Oh well, our very last section is playda as I
Speaker 1: mentioned before, where I would love to talk about all
Speaker 1: the things that all the sides of you that aren't
Speaker 1: finance related. And it's hard when your job and your
Speaker 1: person is something that does touch kind of areas of
Speaker 1: everyday life, like literally everything could give you a new idea,
Speaker 1: and you have to live on the internet and on
Speaker 1: social media to you know, keep up with your job,
Speaker 1: which means it similar to me, like we're always looking
Speaker 1: for the idea in something because we we're a type
Speaker 1: personalities that love to just deliver to our audience. And
Speaker 1: you mentioned before that productivity pressure as well as a book.
Speaker 3: You've just started two more podcasts.
Speaker 1: On top of that go Home that you already do
Speaker 1: for the one that you have, Like, we.
Speaker 2: Literally have a podcast a day now. It is insane.
Speaker 1: And you've just got a new platform that you developed.
Speaker 3: You have one every day.
Speaker 2: So between all three podcasts, we've got Monday, Wednesday, Friday
Speaker 2: where she's on the Money. You've got the Property Playbook
Speaker 2: on Tuesdays and the Business Bible on Thursdays.
Speaker 1: Wow, So this section is redundant because it's like, wait,
Speaker 1: there are no minutes left for her to do anything the.
Speaker 3: House, Oh my gosh.
Speaker 2: No. And then we do bonus episodes because they just
Speaker 2: get too excited and like, oh my gosh, can we
Speaker 2: put this up? And my team are literally they are
Speaker 2: angels and they look after me so well. But I
Speaker 2: am absolutely certain that they don't like me because.
Speaker 3: But this is a hard thing as well.
Speaker 1: When you love what you do and you actually genuinely
Speaker 1: get excited about the content that you're creating, that gives
Speaker 1: you even less incentive to have space in your life
Speaker 1: outside of it.
Speaker 2: Exactly, So how do you do that?
Speaker 1: Like, especially when the momentum from your community, like there's
Speaker 1: actual demand you know, some people have trouble with productivity
Speaker 1: and rest and downtime even when there's not literal dms
Speaker 1: like when is the next.
Speaker 3: Episode coming down?
Speaker 2: Study?
Speaker 3: Actually, how do.
Speaker 1: You do things that are just for joy and that
Speaker 1: are separate from finance and separate from podcasting and that are.
Speaker 3: Just for you.
Speaker 2: Yeah, you have to plan it right, like you have
Speaker 2: to actually make it planned. And you know, I used
Speaker 2: to be that person that put a lot of pressure
Speaker 2: on myself and I got up at four thirty in
Speaker 2: the morning and I'd go to the gym and then
Speaker 2: I'd be at work by seven, and I would run
Speaker 2: my life very like clockwork. But I wasn't that happy.
Speaker 2: And now you best believe I do not show up
Speaker 2: to the office until at least ten thirty most mornings.
Speaker 3: And ooh, that's amazing.
Speaker 2: My partner and I prioritize making sure that we go
Speaker 2: for a walk every morning and get a coffee. And
Speaker 2: I was saying to you before we started recording that
Speaker 2: we've got a dog, Lucy, and we got her in December,
Speaker 2: and you know, we don't ask her if she wants
Speaker 2: to go for walks like everybody else's dog. We'll say,
Speaker 2: do you want to go for a walk, and she'll
Speaker 2: just look at you, like, what are you talking about?
Speaker 2: But if you say, Lucy, do you want to go
Speaker 2: for coffee? Like she loses it and runs to the
Speaker 2: front door. Because that's stephen My thing. Like we go
Speaker 2: for a coffee and a walk every single morning, Like
Speaker 2: we do this five k walk together and it's always
Speaker 2: the same loop because we're really boring, but we also
Speaker 2: have it well timed and that's our time to have
Speaker 2: a chat in the mornings and set up our days
Speaker 2: well and just enjoy it. And I do work really late,
Speaker 2: and I think our community sees that, but it's not
Speaker 2: because I'm working twenty four to seven. It's because I've
Speaker 2: come in late and enjoyed my morning. And you know,
Speaker 2: lockdown has definitely and COVID has definitely got in the
Speaker 2: way of me being able to seize the things that
Speaker 2: I love doing and being able to do them. But
Speaker 2: when COVID's not a thing, I want to go back
Speaker 2: to playing netball on Wednesday night. I play socially terribly,
Speaker 2: mind you, Like I play center and like there is
Speaker 2: no way, absolutely no way that anybody would ask me
Speaker 2: to be on their team. But I'm small and I'm
Speaker 2: pretty good at running, so I feel like I make
Speaker 2: a pretty good center, Like I'm there.
Speaker 1: I mean, they're just like the core of the team.
Speaker 1: You're like holding up the whole team.
Speaker 2: I wouldn't call it the core. I'm like the little
Speaker 2: one that runs around and I'm definitely not tall enough
Speaker 2: to be a shooter or even a defender. So I
Speaker 2: think I just ended up with that position because they
Speaker 2: were like, oh, well, she needs to be on the team,
Speaker 2: but like we're not putting her in that ring, so
Speaker 2: but she could be the treasurer, so yeah, yeah, yeah
Speaker 2: we need her, So yeah, I do that. And speaking
Speaker 2: of treasurer, I'm the treasure out for a charity TLC
Speaker 2: for Key and I've done it for more than a
Speaker 2: year now. And yeah, Tim is he's so special. He's
Speaker 2: one of those people you meet and you just are
Speaker 2: like are you a unicorn? Like how do you? How
Speaker 2: do you care? So much? Like he's just such a
Speaker 2: beautiful person and I'm so grateful to be able to
Speaker 2: do that. So I do that in my spare time
Speaker 2: as well. That's literally just a passion, Like TLC is
Speaker 2: a charity for sick children, and I'm just so passionate
Speaker 2: about everything they do and so proud of being, you know,
Speaker 2: a part of their team, and you know, just to
Speaker 2: be young as well and on. That feels really special
Speaker 2: because I don't think that that's an opportunity that you know,
Speaker 2: I ever thought would be extended to me, like to
Speaker 2: sit on a board, Like what who am I?
Speaker 3: You're so fancy.
Speaker 1: I talked about the pedestal at the start, You're literally
Speaker 1: like getting even higher.
Speaker 3: Yeah, but it's not the case.
Speaker 2: It is not the case. Like I do that, you
Speaker 2: know on the weekends, Like I love hanging out with
Speaker 2: my family, I love cooking. I am terrible at reforma pilates,
Speaker 2: but religiously go. I'm that person that they're like, oh,
Speaker 2: if you could just fix this, And I'm always like
Speaker 2: stop it, Like I suck. I know I suck, like
Speaker 2: and I know you know I suck because I've been
Speaker 2: coming here forever. But this is my joy, So just
Speaker 2: leave me alone. Yeah, if you could just leave me alone.
Speaker 2: I'm just trying to be helpy.
Speaker 3: Oh I love it.
Speaker 2: I genuinely don't have as much time as I would
Speaker 2: like to have free. But as my team grows, you know,
Speaker 2: I'm finding that I'm able to take my hands off
Speaker 2: things as much as I could. Like twelve months ago,
Speaker 2: I never ever could have, you know, come into the
Speaker 2: office at ten thirty in the morning. But now I'm, yeah,
Speaker 2: creating the life that I want to live. And you know,
Speaker 2: I'm grateful that I get to do that. But I
Speaker 2: also get to extend that to my team, and you know,
Speaker 2: knowing that they get to I just want them to
Speaker 2: do their work, so like they get to come and go.
Speaker 2: I feel like we've got this little team of people
Speaker 2: who are passionate about Sheese on the Money but also
Speaker 2: have lives outside of Sheese on the Money. I don't
Speaker 2: want everything to revolve around that.
Speaker 1: Except you've created such a beautiful environment when you know
Speaker 1: that they probably do want everything in their life to
Speaker 1: revolve around that.
Speaker 2: I'm so kind to honestly, I am so grateful for
Speaker 2: all of them. And yeah, like being in lockdown, especially
Speaker 2: for the fourth time, it just reminds us. We always
Speaker 2: like we're itching to get back to the office to
Speaker 2: be together, to just hang out together because we're more
Speaker 2: creative together. We you know, vibe off each other and
Speaker 2: just enjoy it. And the office dog Lucy, she comes
Speaker 2: in every day and she's got her own like basket
Speaker 2: and hangs out and yeah, everyone just gets along and
Speaker 2: it's definitely not a high pressure environment at all. And
Speaker 2: I think it keeps you humble and keeps you really
Speaker 2: down to worth because like when something fancy happens, and
Speaker 2: I'm very grateful it's happened a lot recently, like with Forbes,
Speaker 2: and there's been a lot of news articles that have
Speaker 2: featured us. My team always like, oh, you're a whanker,
Speaker 2: like this article, like if only they knew the real you.
Speaker 2: And to be honest, I wouldn't change it for the world,
Speaker 2: Like I don't want people to think that I'm some
Speaker 2: fancy person, Like I'm normal. I'm down to earth and
Speaker 2: like yeah, like I'm just trying to pay my mortgage.
Speaker 1: Guys, congratulations on having one. By the way, we saw that,
Speaker 1: or just to finish out, what are three interesting things
Speaker 1: about you that don't normally come up in conversation And
Speaker 1: I'm going to have to say that they cannot be
Speaker 1: finance related.
Speaker 2: Well, there's nothing interesting when it comes to finance. Who
Speaker 2: would do that as a job?
Speaker 3: You shit to talk about money?
Speaker 2: What have we got? I don't know what makes me interesting.
Speaker 1: So many things, so many things, And can I also
Speaker 1: just say, as a little aside, having met when we
Speaker 1: were both at very different stages, I have always had
Speaker 1: this sense that you are going places and you have
Speaker 1: such a passionate energy about what you do, and it's
Speaker 1: so satisfying. And I don't know quite how to describe
Speaker 1: the feeling though, to see that all that energy and
Speaker 1: bars and passion and intellect and potential that when we
Speaker 1: first met us like, oh man, this woman like you
Speaker 1: are taking over the world, that you're doing it.
Speaker 3: Like it has just been such a privilege.
Speaker 1: To what you know, what you know what I mean though,
Speaker 1: when you meet someone before the thing that you know
Speaker 1: them in now to have watched it is such a
Speaker 1: great privilege because this is what you were destined to do.
Speaker 2: That is so kind and I feel like I was
Speaker 2: destined to do it, and it's it's crazy to think
Speaker 2: we're doing it and it, you know, reiter eats when
Speaker 2: people say stuff like that to me, it just reminds
Speaker 2: me that I am doing the right thing, and I
Speaker 2: am in the right place. And you know, like all
Speaker 2: of these achievements over the last few months or years
Speaker 2: or whatever, we want to call it like just to
Speaker 2: reminds me that whatever we are doing, we're doing it right,
Speaker 2: and we're in the right space, and we're making the
Speaker 2: right steps forward and we're having these impacts. And you know,
Speaker 2: my favorite thing in the entire world is you know,
Speaker 2: I guess that's an interesting fact. It's not about finance,
Speaker 2: but it is about she's on the money. Is that
Speaker 2: when it comes to dms and it comes to you know,
Speaker 2: managing the socials, like I don't want to let go
Speaker 2: of that. Like my favorite thing is talking to our
Speaker 2: community and talking to the people in our DMS who
Speaker 2: vestage us to be like, hey, I know you might
Speaker 2: not read this, we do definitely read it, just defoy,
Speaker 2: but I just want to tell you that I've paid
Speaker 2: off all my debt because I listened to your podcast
Speaker 2: or you know, a really special one the other day
Speaker 2: was that she'd gotten out of a financially abusive relationship
Speaker 2: and it was because of our episodes on that and
Speaker 2: she'd you know, saved up and it was a plan
Speaker 2: that she'd created over the last eight months and that
Speaker 2: you know, we were integral to that. And that's crazy
Speaker 2: to think that we're impacting people without even knowing it
Speaker 2: and they just tell us later they're like, oh, yeah,
Speaker 2: by the way you did this, Like what I helped
Speaker 2: you get out of a financially abusive relationship. That's wild. Like,
Speaker 2: I'm so proud of that, and I don't want us
Speaker 2: to ever lose that as our driving force and as
Speaker 2: our priority, because you know, you're right, it's really fancy
Speaker 2: to be a Forbes thirty under thirty. I don't want that, though.
Speaker 2: I want the people in my DMS. I want to
Speaker 2: talk to people about saving I want to talk to
Speaker 2: people about you know, a savings hack that I made
Speaker 2: and I made it on PowerPoint, but I made it
Speaker 2: and you can download. It's on your bridge. Like that's
Speaker 2: who I am and what I want to do. And
Speaker 2: I think that, yeah, that's I guess something that people
Speaker 2: assume I have handed over because we do have a
Speaker 2: content manager now and a content producer, but I'm pretty
Speaker 2: controlling when it comes to that.
Speaker 3: I love that though. It's because you're so in touch
Speaker 3: with your audience still. Because of that, well you.
Speaker 2: Have to be, because that's why I'm here, Like, they're
Speaker 2: the reason I get to do what I love every
Speaker 2: single day, and I'm so grateful for all of them
Speaker 2: to be here, because not many people can say I
Speaker 2: wake up every day so proud of what I do
Speaker 2: and like that's so cool, and yeah, I guess that's
Speaker 2: one thing people don't know and assume it's not me.
Speaker 1: What about one that Steve would know but no one
Speaker 1: else would know, like weird things that you do?
Speaker 2: Oh that I am obsessed and have an uncontrollable desire
Speaker 2: for frozen ice cream chocolate mochiese. Oh oh so specific,
Speaker 2: so specific, but like if ever I'm sad and he
Speaker 2: comes home with a box of chocolate ice cream mo chiese,
Speaker 2: there are six in a box. You best believe I
Speaker 2: will not be saving you any I will eat the
Speaker 2: whole thing and like he can change my day with
Speaker 2: the boss of mo cheese, like I promise you. And
Speaker 2: that would be such a bad spending havoc because I
Speaker 2: think full price, they're like seven dollars a box, but
Speaker 2: they are a good deal, even not on sale, like.
Speaker 1: My friend, your budget pie chart is like mostly like
Speaker 1: seven dollar mortgage groceries is like tiny health insurance? You know,
Speaker 1: much is more important?
Speaker 2: Yeah, yeah, I think he would absolutely say that, and
Speaker 2: I think he would also want to tell people that
Speaker 2: my personality is also in my pets personalities. And we
Speaker 2: talk about this all the time because we've got three pets.
Speaker 2: I have two cats and a dog. I've got Bailey
Speaker 2: who's ten and he's a tong Canese. I've got Henry,
Speaker 2: who's one and he's a chocolate Tonguenese. And I've got Lucy,
Speaker 2: who is a sheeperdoodle and she is nine months. And yeah,
Speaker 2: they're all as crazy as I am. And sometimes he
Speaker 2: just looks at them and is like, you are actually
Speaker 2: like your pets, Like you know, Lucy's very snugly and
Speaker 2: cuddly and just wants to be on the couch in
Speaker 2: her blanket, and that is me. And Bailey can be
Speaker 2: really sassy and that is also me. And he always
Speaker 2: tells people that I get my attitude from my cats,
Speaker 2: and my cats get their attitude from me. So maybe
Speaker 2: that's maybe that's something people would definitely not talk about
Speaker 2: because people just don't care.
Speaker 1: But people definitely care. I have followed your pet journey
Speaker 1: and your little menagerie at home with a keen interest,
Speaker 1: a keen interest it's going to.
Speaker 2: Turn into a farm. We bought our house in December,
Speaker 2: like at the start of December. It was absolutely well
Speaker 2: wind like we found it. It was like a two
Speaker 2: week settlement, like it was yay and a like so quick.
Speaker 2: And my partner had always said, we can't have a
Speaker 2: dog until we own a property, and that was my
Speaker 2: motivation for getting a property. I was always like, all right,
Speaker 2: well I didn't want property until now, Well, we're going
Speaker 2: to have to buy a house.
Speaker 3: I guess.
Speaker 2: Good priorities, and so I reached out to this breeder
Speaker 2: and one thing led to another and we ended up
Speaker 2: with Lucy two days before we moved into the property.
Speaker 2: And I was just like, all right, cool, so I've
Speaker 2: organized a puppy. And he was like, were we not
Speaker 2: going to move in and maybe talk about it? And
Speaker 2: I was like, ah ah, like we are, we have
Speaker 2: a dog, We have a puppy, we are moving in.
Speaker 2: And I remember bringing her home because we'd secured her
Speaker 2: and she had to be She's from New South Wales
Speaker 2: and I live in Victoria, so she had to be
Speaker 2: driven down for us.
Speaker 3: Baby.
Speaker 2: Yeah. We went to pick her up and I didn't
Speaker 2: want to take her to our rental property, but we'd
Speaker 2: just been given the keys to our actual property and
Speaker 2: so Steve and I slept on a blow up bed
Speaker 2: in our new house with no other furniture in it
Speaker 2: because we wanted to have the dog in the new property.
Speaker 2: And I remember bringing her home and not having any
Speaker 2: furniture and just sitting on a dog bed in the
Speaker 2: middle of our new lounge room with this puppy, and
Speaker 2: I was just so happy. I cried because I was like,
Speaker 2: oh my god, all my dreams are coming true. Living
Speaker 2: this is slipping like I've got this dog and I
Speaker 2: adore it, and like, I guess, yeah, like my life
Speaker 2: goals have never been around Korea. They're always around, you know,
Speaker 2: I guess, love and family and you know, hopefully one
Speaker 2: day creating a family of our own, but for now,
Speaker 2: our pet family. And yeah, I guess that's central to
Speaker 2: who I am and what I do. When you start
Speaker 2: to get to know me, you're really like, oh cool,
Speaker 2: So she actually doesn't care about any of these achievements.
Speaker 2: She's just proud that her dog can shake force.
Speaker 1: Like I love that about you so much. Well, final question, lovely,
Speaker 1: what is your favorite quote?
Speaker 2: Oh my gosh, I already told you. Why did I
Speaker 2: Why did I ruin that so early?
Speaker 3: Because it was such a good one.
Speaker 2: Oh my gosh. Yeah, I'm actually going to reiterate that
Speaker 2: for you, because I do think it's really important and
Speaker 2: it's helped me, and I feel like it's one that
Speaker 2: we don't talk about enough, and that is that you
Speaker 2: will never be criticized by someone who is doing more
Speaker 2: than you. You will only ever be criticized by someone
Speaker 2: who is doing less. And I think that that is,
Speaker 2: I guess, a really good place to leave it, right,
Speaker 2: Like any one can adhere to that. Like if anyone
Speaker 2: ever says anything bad about you and my friends, like,
Speaker 2: I bet you it's because they are not, you know,
Speaker 2: following in your footsteps or you know, being the person
Speaker 2: that you are. And it's hard in Australia because I
Speaker 2: feel like tall poppy syndrome is such a prevalent thing,
Speaker 2: and i'd heard about it, you know, and i'd spoken
Speaker 2: about it before, and obviously studying psychology, i'd been told
Speaker 2: about it, and I just was like, no, that's not
Speaker 2: a thing. I've never been held back and I absolutely
Speaker 2: haven't been held back. But my gosh, now I have
Speaker 2: what you definitely could call a profile in this space.
Speaker 2: The people that don't want you to be successful, they're loud.
Speaker 2: They're loud, and they can make you feel like crap
Speaker 2: so easily, And I think that a quote like that
Speaker 2: just really helps you remember what's important. Absolutely.
Speaker 1: Unfortunately, you have a community, a very engaged and increasingly
Speaker 1: expanding all over the world community who absolutely adore you,
Speaker 1: and I have only the best thing to say about you.
Speaker 1: And She's on the Money and the new book and
Speaker 1: everything you do. It's just been a privilege to be alongside.
Speaker 2: And to be able to be so kind.
Speaker 1: I can't oh my god, I don't even have words like,
Speaker 1: I have no language. It's just you are really shaking
Speaker 1: up a really really important part of our lives that
Speaker 1: is obviously having such a huge impact for everyone.
Speaker 2: So congratulations, Well, thank you, Sarah. That is honestly, I
Speaker 2: should come on your podcast more often because parts like
Speaker 2: I just need someone to be as complimentary as you are.
Speaker 3: Anytime.
Speaker 1: Honestly, you are just such a wonderful, wonderful romodef all
Speaker 1: of us.
Speaker 2: Well, thank you for having me. I'm genuinely so grateful.
Speaker 1: I don't think anyone could need any convincing to go
Speaker 1: and listen to and or buy She's on the.
Speaker 3: Money for yourself.
Speaker 1: After hearing Victoria's eloquence and passion for what she does.
Speaker 1: It's increasingly difficult to really do something different in this
Speaker 1: day and age where so much has already been discovered.
Speaker 3: But I truly believe.
Speaker 1: That Victoria and her She's on the Money team is
Speaker 1: bringing some to the market that wasn't there before, helping
Speaker 1: millions of women and men to build better financial futures
Speaker 1: for themselves. I never knew finance could actually be fun
Speaker 1: before I met Victoria, And if you had a similar
Speaker 1: aha moment during this episode, please don't forget to share
Speaker 1: tagging at Victoria Underscore Divine or She's on the Money
Speaker 1: OZ to shower her and her team with love. Links
Speaker 1: to the book, the podcast, Her Too, new podcasts, and
Speaker 1: her brand new investing platform are in the show notes.
Speaker 1: For you all, I hope you're having an amazing week
Speaker 1: and are seizing your ya