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Speaker 1: Hello everybody, and welcome back to the Psychology of Your Twenties,

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Speaker 1: the podcast where we talk through some of the big

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Speaker 1: life changes and transitions of our twenties and what they

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Speaker 1: mean for our psychology. Hello everybody, Welcome back to the show.

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Speaker 1: Welcome back to the podcast. New listeners, old listeners, Wherever

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Speaker 1: you are in the world, it is so great to

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Speaker 1: have you here.

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Speaker 2: Back for another December guest episode, and today we're bringing

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Speaker 2: on someone who is not just amazing, but it is

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Speaker 2: also a pretty close friend and a podcaster half of

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Speaker 2: the True Broke Chicks. We have our thank you so

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Speaker 2: much for coming on the show.

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Speaker 3: An intro thank you, blushing.

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Speaker 2: Thank you, yes by you don't know why, lady, I

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Speaker 2: don't know why I feel so awkward doing this, considering

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Speaker 2: that this is it's not even our first this is

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Speaker 2: like our third episode that we've ever done like together,

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Speaker 2: either on your show or my show. And then we also,

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Speaker 2: like we talk all the time, and we have an

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Speaker 2: office space together, and yet it's like I'm sitting.

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Speaker 3: Here because we're professional talking.

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Speaker 2: Yeah, I guess so, I feel like it's like we

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Speaker 2: need it like more. Yeah, it's a professional profession. And

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Speaker 2: it's like because we have an audience, whereas most of

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Speaker 2: the time when we're just talking, we're just talking smack.

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Speaker 3: Yeah, but it's just smart smack.

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Speaker 2: I'm not gonna lie.

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Speaker 3: Like sometimes we'll be like debriefing in the office and

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Speaker 3: we'll give each other advice. I'm like, that's good stuff. Yeah,

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Speaker 3: that is to write that down.

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Speaker 2: I'm actually honestly, I honestly, I've like stolen things that

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Speaker 2: you've said to me and put them on the podcast

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Speaker 2: because I'm not that wise all the time, right, Like

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Speaker 2: no one is. Yeah, I need the wisdom to come

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Speaker 2: from an outside source.

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Speaker 3: I've done the exact same. I've been listening to your podcasts.

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Speaker 3: I'm like, that's a good tip. Yeah, use it.

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Speaker 2: I'm gonna re propish, yeah, which honestly is great because

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Speaker 2: I do all we feel like. So, you guys talk

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Speaker 2: a lot about like your twenties obviously, but also like

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Speaker 2: the intersections with like money and like you know, certain

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Speaker 2: like social and cultural phenomena and changes that are happening.

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Speaker 2: But the big focus is on like finance and like

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Speaker 2: managing your money or your expectations around money and your

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Speaker 2: money and your like relationships better in our twenties, and

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Speaker 2: a big part of that that I think is really

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Speaker 2: important to discuss as we're like entering into the holiday season,

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Speaker 2: but really at all times and just coming out of

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Speaker 2: Black Friday Cyber Monday, is impulse shopping.

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Speaker 3: Yeah.

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Speaker 2: Impulse shopping is a huge one because I think in

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Speaker 2: our twenties, for the first time, we're like making like

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Speaker 2: adult money, and we can like kind of start to

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Speaker 2: afford the things that as children, as teenagers we needed

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Speaker 2: to ask our parents for or they were kind of

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Speaker 2: like luxuries. And if you've never like learned to budget

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Speaker 2: or have that like proper financial literacy, you're spending can

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Speaker 2: get like quite out of control. Yeah, and so I

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Speaker 2: really want to focus on that, like the ways that

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Speaker 2: we use like impole shopping, retail therapy over spending to

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Speaker 2: like self suit. I feel like you have you had

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Speaker 2: experiences with this.

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Speaker 3: You know I have.

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Speaker 2: I know I was setting it up.

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Speaker 3: I didn't want to be like me, set me up. No, good,

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Speaker 3: good good.

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Speaker 2: I like it. Yeah, you're welcome, I like it.

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Speaker 3: No, It's true because even with you know, we've been

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Speaker 3: doing two Brow Chicks for two years and we kind

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Speaker 3: of started very general, like we were in a lot

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Speaker 3: a lot of niches, which we still are, but I

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Speaker 3: think it's gone to show how much we kind of

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Speaker 3: need to open up the conversation around shopping, spending and

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Speaker 3: money with you know, how much our audience has wanted

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Speaker 3: that in the last year especially, I think what on

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Speaker 3: what you were saying as well, Unless you've learned how

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Speaker 3: to budget and spend, like, you're not going to be

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Speaker 3: very good with your money because you don't know how.

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Speaker 3: But you're also not taught. So it's up to you

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Speaker 3: to self teach like yourself because not a lot of

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Speaker 3: us have had parents that you know, sat us down

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Speaker 3: like this is how much you save or they did.

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Speaker 3: And then once we move out and we don't have

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Speaker 3: that adult influence and we are the adult, we don't

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Speaker 3: really know how to do it, and it becomes really overwhelming.

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Speaker 3: And then I think with impulse shopping and Christmas season,

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Speaker 3: there's like two ways to think about it, because you're

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Speaker 3: either spending for yourself and you're like, ooh, do you

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Speaker 3: know who would like that maybe, or you're shopping for

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Speaker 3: other people. And so there's two things that I like

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Speaker 3: to think about when I'm thinking about impulse shopping, especially

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Speaker 3: at Christmas time, and the first one is that you

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Speaker 3: can't buy your own validation, like you can't buy self confidence.

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Speaker 3: You can't buy like you then magically thinking that you're

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Speaker 3: like the hottest shit in the whole entire world. So

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Speaker 3: whenever you're like, oh, I've got to go out this weekend,

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Speaker 3: I need to buy something, that's not going to fix

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Speaker 3: it because there's going to be another weekend and that

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Speaker 3: I think that insecurity is never going to be dull.

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Speaker 3: Buy something that you buy online. It does does help

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Speaker 3: in the moment. I'm not gonna lie in it because

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Speaker 3: I do that all the time. I'm like, by this event,

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Speaker 3: I don't feel like I have anything that I feel

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Speaker 3: hot and to wear, and I would buy something and

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Speaker 3: then it's just this like toxic cycle. And on the

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Speaker 3: other hand, with other people, because we have enough money

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Speaker 3: to spend, we kind of want to seek and buy

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Speaker 3: their love or admiration, or maybe you get a bit

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Speaker 3: competitive with siblings at Christmas time that you want to

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Speaker 3: get like the best present, or do you do you

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Speaker 3: remember that episode of the Office? Did you ever watch

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Speaker 3: The Office?

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Speaker 2: I did? Yeah, I know exactly which one mean.

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Speaker 3: And Michael buys the iPod.

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Speaker 2: Yeah, and he's like, you can point to this dollar

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Speaker 2: value and be like, I love you this y in

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Speaker 2: my brain exactly.

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Speaker 3: But I think, and again, I myself have had this

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Speaker 3: in the past where I buy people so much stuff

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Speaker 3: because I think that's how I can tell them that

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Speaker 3: I love them and that that'll make them love me too,

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Speaker 3: which is a love language. But gift giving is not

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Speaker 3: the highest price tag that you can spend on someone.

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Speaker 3: Gift giving is like the thought that if you know

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Speaker 3: they really like cooking, you could make them a rub

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Speaker 3: like a rub rub thing. I don't really cook a

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Speaker 3: lot with me, so that, yeah, that was actually pretty good.

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Speaker 3: Book like a cookie dough okay, you know, Paprika.

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Speaker 2: Yeah, you got to like go to the local like

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Speaker 2: paper or like office supply store and make them like

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Speaker 2: a cookbook of like see the favorite recipes that they've

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Speaker 2: ever made.

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Speaker 3: You exactly, or like even a photo frame with a

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Speaker 3: nice photo of it in there. And I think, as well,

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Speaker 3: what I do each year now is I like haven't

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Speaker 3: listed my phone of a notes app, and it's like

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Speaker 3: got the budget per person, and then I plan out

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Speaker 3: every gift like before I buy it, and then I

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Speaker 3: go find that gift, so it's like I'm not just

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Speaker 3: like shopping around. I don't just go on to like

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Speaker 3: the David Jones website open gifts for him and then

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Speaker 3: just start scrolling, because that is going to hurt.

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Speaker 2: Yeah, And I think it's it is gonna hurt, especially

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Speaker 2: when you're doing it for like five six seven people.

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Speaker 2: And it's so interesting because I think Christmas is or

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Speaker 2: like the holidays when we're recording this is obviously like

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Speaker 2: a big time when our budgets just like go out

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Speaker 2: the window because there's such an expectation to shop, to

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Speaker 2: shop big. There is very subtle ways that every company

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Speaker 2: in this world is trying to convince you to spend

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Speaker 2: more money right now. But then I think, so it's

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Speaker 2: kind of more understandable during the holiday season. But I

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Speaker 2: think in pol shopping during like the every like everyday

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Speaker 2: life also comes down to a lot of like a

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Speaker 2: lot of what it means to be like in the

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Speaker 2: inn group. So in the sense of like buying trendy

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Speaker 2: clothes to kind of like perform for other people is

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Speaker 2: something that I think, especially in our twenties, we have

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Speaker 2: to be wary of. And part of the influence of

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Speaker 2: that is social media. It like it really creates like

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Speaker 2: an entire like stych logical system of like social comparison. Yeah,

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Speaker 2: well we've spoken about this, like the amount of times

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Speaker 2: I've been like I hate my clothes, yeah, and I

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Speaker 2: feel great in them, but it's because I'm constantly scrolling

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Speaker 2: and seeing people who are super fashionable, and so I

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Speaker 2: buy in order to make myself not just feel better,

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Speaker 2: but to like almost suppress and the sense of I did.

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Speaker 3: Yeah, it's like acceptance because we're all humans and we're

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Speaker 3: so scared of rejection that it's like even words like

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Speaker 3: cheugi that started trending. Chugy was like this thing and

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Speaker 3: it was like I think jen Z came up with it,

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Speaker 3: I don't know, but it was like chew gys like cringe.

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Speaker 3: So if you do these things, they're cringe, or if

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Speaker 3: you wear these things now they're cringe. And it would

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Speaker 3: be like just pieces of clothing that used to be

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Speaker 3: trending but now they're chew.

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Speaker 2: Gee oh okay.

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Speaker 3: And it was like the and you know what, business

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Speaker 3: is probably froth this shit because it means that their

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Speaker 3: quick tone over is just going to make them more

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Speaker 3: and more money of like being able to sell you

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Speaker 3: more and more stuff, which is why I love the

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Speaker 3: development of a capsule wardrobe.

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Speaker 2: By the way, Oh, I was just about to say,

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Speaker 2: it's really interesting because I think like each year you

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Speaker 2: did an episode on this which I really would actually

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Speaker 2: recommend people go and listen to called women Are Not Trends,

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Speaker 2: which is amazing.

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Speaker 3: Oh my god, I could talk about this fake exactly.

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Speaker 2: Because and it so links to things like overspending, retail therapy,

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Speaker 2: impulse shopping, because especially like women are taught that like

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Speaker 2: every like six months, there is a new definition of

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Speaker 2: the girl. There is a new definition of like what

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Speaker 2: is hot, and each of those versions comes with a

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Speaker 2: different outfit into the different makeup look comes with different accessories,

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Speaker 2: whether it's like clean girl or like messy girl.

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Speaker 3: I like a tomato girl Tomato girl, and I like

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Speaker 3: could put my foot down. And I think I had

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Speaker 3: a full blown tantrument in the podcast studio that day

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Speaker 3: because I was like, this is fun? Is it?

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Speaker 2: I actually I remember listening to this isn't it like

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Speaker 2: the kind of ready makeup and.

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Speaker 3: Like, no, so that's strawberry girls, that's strawberry girl. Tomato

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Speaker 3: girl was like what the europe girl, which again it's

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Speaker 3: all marketing because this this tomato girl trend came out

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Speaker 3: when every Australian except me went to Europe the same.

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Speaker 3: It was actually kind of just I felt like I

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Speaker 3: was back in high school and I was like, guys,

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Speaker 3: can I sit with you? And they said, no, we're

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Speaker 3: in Europe. But it was like the girl who wears

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Speaker 3: a headscarf with linen and takes her book to the park.

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Speaker 3: I'm like, so you're wearing linen and you're reading a

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Speaker 3: book like, it's just it's and it's hot. Of course

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Speaker 3: you're gonna wear linen. Everyone wears linen when it's hot. Yeah,

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Speaker 3: So it's just these things that they invent, like you said,

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Speaker 3: the it girl, and we then have to kind of

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Speaker 3: fit the mold because there is definitely certain criterias to

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Speaker 3: all of these trending girls, which is just yuck. Like

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Speaker 3: it's just and it is to convince you to be like,

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Speaker 3: oh you want to be a vanilla girl. You have

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Speaker 3: to go buy ugs, and you have to go buy

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Speaker 3: a cream Stanley cup and all the items that are

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Speaker 3: you know, in that stencil of this woman are all

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Speaker 3: very expensive items as well. And then look at Frank Green,

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Speaker 3: like everyone's talking about Stanley cups now, whereas last year

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Speaker 3: and Yetti's, whereas last year everyone was frothing Frank Green and.

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Speaker 2: The year before it was like camelbacks.

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Speaker 3: Yeah, like every year.

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Speaker 2: So it's no wonder that people feel the need to

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Speaker 2: kind of purchase items as a way to kind of

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Speaker 2: feel a part of their identity that people are constantly

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Speaker 2: asking them to change, and that if you're like behind,

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Speaker 2: you're going to get called shugi, like you want to

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Speaker 2: adapt to like what is being shown to you, not

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Speaker 2: just on social media, but in your like just like

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Speaker 2: everyday environment as well. The other factor that I think

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Speaker 2: we really need to talk about is how like how

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Speaker 2: company is, how brands create a sense of loss a version.

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Speaker 2: So I think a lot of people have problems with

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Speaker 2: impulse spending and they see it as a self discipline

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Speaker 2: problem rather than the fact that they live in within

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Speaker 2: a context, within like a current modern day that is

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Speaker 2: constantly encouraging you to buy things, either through like the

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Speaker 2: creation of trends or et girls or social media and

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Speaker 2: social comparison, but also through things like a lot of

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Speaker 2: these really amazing I will give them credit, like cognitive tools,

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Speaker 2: So telling someone things are going to sell out. I

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Speaker 2: learned that from you actually share a couple, I want

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Speaker 2: you to tell me.

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Speaker 3: Yeah, okay. So there's actually a word that I can't

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Speaker 3: remember that brands use. It's like an end of year consumer, right,

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Speaker 3: and so they discuss this person because basically we're at

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Speaker 3: the end of the year and we kind of stop

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Speaker 3: caring about money, and then we go, I'll I'll just

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Speaker 3: deal with it next year. We kind of like, you know,

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Speaker 3: let our inhibitions go with our spending, and we just

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Speaker 3: spend and spend and spend, and we kind of get

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Speaker 3: ourselves in a hole and we're like, I'll just dig

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Speaker 3: myself out of it next year. We put everything on

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Speaker 3: after pay and then we're like, I'll pay it off

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Speaker 3: next year. It's like that's a problem for next year,

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Speaker 3: where it's like, no, it's a problem for now. And

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Speaker 3: so there are a couple things that brands and marketers

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Speaker 3: do to kind of convince this end of your consumer

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Speaker 3: to spend their money. One is a flash sale, so

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Speaker 3: anything that's like fifty percent off one hour only, especially

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Speaker 3: when they've got like a countdown on the site, so

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Speaker 3: that you you know, you think, oh my god, because

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Speaker 3: it's this fear of missing out. It's a fear of

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Speaker 3: missing out on a good deal and that bragging rights

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Speaker 3: of an item that you probably didn't even even know

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Speaker 3: that you wanted. Like if you and I say, if

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Speaker 3: you know that you've wanted, you know, a dice in

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Speaker 3: hot cool air purifier for the last six months, but

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Speaker 3: you've been really been waiting for a good sale, and

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Speaker 3: that sale happens and it's an hour only. Sure, like, sure,

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Speaker 3: go buy that, you know you wanted that. But if

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Speaker 3: you're like buying a pair of pink snake skin cowboy boots,

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Speaker 3: which honestly, like I sound like I would love that,

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Speaker 3: I know, like I'm like smash, But if I'm only

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Speaker 3: buying them just because I've seen that sale, I probably

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Speaker 3: don't need them, Like I didn't know that I wanted that.

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Speaker 3: So yeah, it's this sense of urgency that really kickstarts

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Speaker 3: you into shopping and spending money. And what it does

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Speaker 3: is it forces you to open up the sale section

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Speaker 3: and then you're gonna keep scrolling and when you're there,

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Speaker 3: it's the second tactic, which is spend this to get

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Speaker 3: free shipping. And so we all love girl math, but

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Speaker 3: if you need to spend fifty dollars to get free shipping,

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Speaker 3: which was five dollars, you're gonna just end up buying

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Speaker 3: crap you don't need. Like if again, if you're doing

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Speaker 3: a Christmas shopping on like the Iconic and you can do,

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Speaker 3: you know, a bunch of shopping in one place and

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Speaker 3: it's for multiple people, starting amazing, brave, love that. But

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Speaker 3: if you're just shopping because you're like, I gotta find

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Speaker 3: something to get free shipping, and it's not even a

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Speaker 3: gift for anyone I've done this, it's oh, we've all

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Speaker 3: done it. I do it all the time, and I

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Speaker 3: still check myself and I'm like wait, And it's so

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Speaker 3: easy to just get wrapped up in the dopamine hit

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Speaker 3: of it because it is fun. It's fun to.

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Speaker 2: Shop, and also you feel like you're saving money. Like

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Speaker 2: that is the appeal of the sale section is in

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Speaker 2: your mind and there is there is actually a term

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Speaker 2: for this, and I've completely forgotten it, but basically your

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Speaker 2: brain is doing like the calculation of what this could

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Speaker 2: have cost you if you bought it three weeks ago,

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Speaker 2: such that actually now you're up because you're buying it

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Speaker 2: three weeks later at a discount. That's what it is. Literally,

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Speaker 2: it's like gambling. It's like Yeah, how where can I

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Speaker 2: get this so that I and when we have systems

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Speaker 2: like gambling or systems where like you're getting variable reward

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Speaker 2: or dopamine from something or a sense of like you're

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Speaker 2: winning from a purchase, that is in many ways going

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Speaker 2: to hard wire your brain to make decisions that probably

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Speaker 2: aren't in your best interests. Like I love the example

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Speaker 2: you said of like if there has been a period

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Speaker 2: of time that you've really wanted an item, take advantage

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Speaker 2: of sales. But I also think that the flash sales

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Speaker 2: like you were talking about, provide us with a lot

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Speaker 2: of instant gratification that we're very used to getting from

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Speaker 2: everything else in our society. Instant gratification from our phones,

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Speaker 2: like instant gratification from express shipping, Like all of these

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Speaker 2: things are like you can get it now, you can have.

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Speaker 3: It, low stock, Yeah, it's like low stock, or like

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Speaker 3: isn't returning? Yeah, or what happens? And this was Sal's

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Speaker 3: tip actually in that episode that she learned from Britney Saunders,

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Speaker 3: who has faked the label. Yes, she's amazing. I love her.

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Speaker 2: I'm a big.

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Speaker 3: Fangirl obsessed, And she was saying that brands will be

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Speaker 3: like not returning or it will return, like it'll come

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Speaker 3: back in stock, and it'll be like like this sale

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Speaker 3: is the final sale, like it's never coming back because

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Speaker 3: it didn't sell out and they had heaps of stock leftover,

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Speaker 3: so they said it sold out. It didn't really sell out.

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Speaker 3: But they're just tricking you to think that there's this

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Speaker 3: demand for this item because we all want to be

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Speaker 3: on trend and not jugy or cringe or out of date.

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Speaker 3: And it's just really exhausting because if you constant you're

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Speaker 3: chasing a trend or a type of girl that TikTok is,

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Speaker 3: you know, deeming the it girl of the month, you

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Speaker 3: will never actually develop a sense of self. And I

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Speaker 3: have fallen into this, as have many other women and

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Speaker 3: men and humans in general, of you know, that fear

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Speaker 3: of rejection and not quite knowing who they are because

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Speaker 3: they're constantly adjusting themselves to be that. And it's where

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Speaker 3: you develop this idea of like your style uniform. And

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Speaker 3: I think it's really good to be able to identify

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Speaker 3: the things that it's kind of the same as a

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Speaker 3: capsure wardrobe. But when we say capsure wardrobe, we think

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Speaker 3: like blue jeans, white teas, and a black blazer, which again,

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Speaker 3: love that I trying to.

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Speaker 2: Say, that's literally your I know.

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Speaker 3: It's a gray men's lazer from deep up and I

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Speaker 3: love her. I once spilled oil on her. It was

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Speaker 3: a bad day that day, but I got it out,

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Speaker 3: thank you.

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Speaker 2: But my capsure.

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Speaker 3: Wardrobe also includes vintage band tees and cowboy boots. Yeah,

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Speaker 3: like if I'm going out on the weekend and I'm

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Speaker 3: just going to chuck on a band tee some cowboy

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Speaker 3: boots and I'm going to be so comfortable and I

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Speaker 3: feel really hot in it, I feel like a bad ass.

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Speaker 2: Also like Sparkles, Like, yeah, it doesn't have to be

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Speaker 2: plain to be part of like how you see your style.

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Speaker 2: And I think it's something that happens the further we

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Speaker 2: get into our twenties, where we're like, I actually don't

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Speaker 2: want to dress for others anymore, and I don't want

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Speaker 2: it to be And I know that we're talking a

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Speaker 2: lot about clothes, but it really is with anything, you know,

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Speaker 2: like skincare, with like products in your home, with like

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Speaker 2: interior design, with new cars, like everything that you are

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Speaker 2: being convinced to buy is not going to fill avoidable.

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Speaker 3: Like I hate myself. I'll buy a concealer.

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Speaker 2: Yeah, Like that's not going to.

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Speaker 3: Help, babe.

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Speaker 2: It might make you feel little better. Well, this is

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Speaker 2: the big thing that I also want to talk about,

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Speaker 2: which is retail therapy. Obviously that is deeply psychological. We

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00:18:52,320 --> 00:18:56,080
Speaker 2: use a lot of different tactics to kind of create euphoria,

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Speaker 2: like artificial euphoria and joy for ourselves, and anything creates dopamine.

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Speaker 2: As we've explained, shopping does can be kind of not manipulated,

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Speaker 2: but like can be disturbed in our brain. We can get.

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Speaker 3: Addicted to like the wrong dopamine. It's like I think

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Speaker 3: that's why TikTok and social media and shopping are so

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Speaker 3: closely linked because they both give you dopamine. So that's

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Speaker 3: why it's so easy to transition between the two. So

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Speaker 3: it's like, Okay, you see the new trending skincare or

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Speaker 3: beauty item, which again they always tend to be like

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Speaker 3: high end or expensive. There's definitely some like drugstore or

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00:19:34,119 --> 00:19:36,760
Speaker 3: dupes that coming out right, but it's like look at Dyson,

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Speaker 3: Like Dyson is nine hundred dollars and it's like.

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Speaker 2: The hair product.

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Speaker 3: It's like the it's the hair product you buy. It

395
00:19:43,840 --> 00:19:45,879
Speaker 3: had great sales on Black Friday that I was like, go,

396
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Speaker 3: if you want it, you buy it. That's we're not

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Speaker 3: seeing a sale like this again for a while. But

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Speaker 3: it's like that's become the product to buy for hair, right,

399
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Speaker 3: But that's really expensive, Like if you went like pre

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Speaker 3: TikTok times, I don't think there would be many people

401
00:20:01,680 --> 00:20:06,360
Speaker 3: that were spending nine hundred dollars on a hairstyler. And

402
00:20:06,640 --> 00:20:09,520
Speaker 3: it's because like we see all this stuff and we're

403
00:20:09,520 --> 00:20:12,720
Speaker 3: getting the dopamine from TikTok as we're scrolling, and then

404
00:20:12,760 --> 00:20:15,040
Speaker 3: we open up the shopping and we're still in that

405
00:20:15,080 --> 00:20:18,000
Speaker 3: dopamine high and then it's kind of like we're chasing it,

406
00:20:18,080 --> 00:20:21,480
Speaker 3: being like, oh if I don't buy it, that dopamine

407
00:20:21,840 --> 00:20:24,040
Speaker 3: goes down. And this isn't a conscious thing, but this

408
00:20:24,119 --> 00:20:27,639
Speaker 3: is like the cycle that's happening of why we see something,

409
00:20:27,840 --> 00:20:30,200
Speaker 3: we open the link or we open like whatever internet

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Speaker 3: app there is, and we buy it straight away.

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Speaker 2: Oh my god, because I've done that, and you know

412
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Speaker 2: I've done this well. We were speaking about this recently.

413
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Speaker 2: I had like a really terrible week and I really

414
00:20:41,920 --> 00:20:45,639
Speaker 2: wanted a pair of Adelas Stambers, and I said, in

415
00:20:45,680 --> 00:20:47,080
Speaker 2: the back of my mind, and I said this to you.

416
00:20:47,160 --> 00:20:49,399
Speaker 2: I was like, I'm I know that these are going

417
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Speaker 2: to go out of style in about six months, Like

418
00:20:51,720 --> 00:20:54,000
Speaker 2: I know it, I know it. And I was telling

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00:20:54,000 --> 00:20:56,960
Speaker 2: myself again and again, like don't buy these, don't buy these.

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Speaker 2: They are just another trending shoe. Yeah, they look great

421
00:20:59,280 --> 00:21:01,480
Speaker 2: right now, but the reason you think they look great

422
00:21:01,520 --> 00:21:04,000
Speaker 2: is because it allows you to fit into like the trend,

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Speaker 2: the uniform, the vision of the day. And then I

424
00:21:07,520 --> 00:21:11,520
Speaker 2: had a really terrible day. Obviously, my like my mood

425
00:21:11,600 --> 00:21:13,959
Speaker 2: was low, my dope main levels were low, and I

426
00:21:14,000 --> 00:21:15,440
Speaker 2: was like, you know what, you know, what's going to

427
00:21:15,480 --> 00:21:18,679
Speaker 2: make me feel better is a new purchase, as an

428
00:21:18,720 --> 00:21:21,560
Speaker 2: impulse buy is some retail therapy, because it's going to

429
00:21:21,680 --> 00:21:24,159
Speaker 2: provide me with not just a dopemin hit, but a

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Speaker 2: sense of control, the sense of agency that like, yes,

431
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Speaker 2: all these other things in my life might be really difficult,

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Speaker 2: but I can place this new item in the center

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Speaker 2: and then I feel like there's a new thing in

434
00:21:34,440 --> 00:21:38,480
Speaker 2: my life to be happy about. It's so deeply like emotional.

435
00:21:38,640 --> 00:21:41,359
Speaker 3: I get it though, because as well, there are moments

436
00:21:41,400 --> 00:21:45,560
Speaker 3: that I'm like just do it, like yeah, like if

437
00:21:45,600 --> 00:21:48,880
Speaker 3: you want to like if you've had a really crap week. Yeah,

438
00:21:49,119 --> 00:21:51,239
Speaker 3: but I think knowing that this isn't going to fix it, Like,

439
00:21:51,280 --> 00:21:53,840
Speaker 3: this isn't going to like, you know, if you broke

440
00:21:53,960 --> 00:21:56,760
Speaker 3: up with your partner and your heart broken and you

441
00:21:56,880 --> 00:21:59,640
Speaker 3: really just want to feel something nice and you want

442
00:21:59,640 --> 00:22:03,800
Speaker 3: to buy something, I'm kind of like, okay, but within reason,

443
00:22:03,920 --> 00:22:06,080
Speaker 3: Like we're gonna go with like a cute, little thirty

444
00:22:06,119 --> 00:22:09,800
Speaker 3: dollar purchase. We're not gonna go with like something really expensive,

445
00:22:09,840 --> 00:22:11,680
Speaker 3: and we're not gonna make a habit out of it.

446
00:22:11,760 --> 00:22:15,199
Speaker 3: I think knowing the things that you can do to

447
00:22:15,320 --> 00:22:19,119
Speaker 3: kind of get that control back that isn't shopping is

448
00:22:19,160 --> 00:22:21,520
Speaker 3: really helpful so that you don't get in that loop. So,

449
00:22:21,560 --> 00:22:24,920
Speaker 3: for example, I absolutely froth like a Pinterest scroll. Like

450
00:22:25,000 --> 00:22:27,960
Speaker 3: Pinterest is like play shopping to me.

451
00:22:28,160 --> 00:22:29,240
Speaker 2: Oh, that such a good way to put it.

452
00:22:29,359 --> 00:22:32,080
Speaker 3: Yeah, Like it's like I feel like because I love

453
00:22:32,160 --> 00:22:35,080
Speaker 3: scrolling through and like looking at things on sale and

454
00:22:35,080 --> 00:22:36,879
Speaker 3: looking at things I want and thinking about how I

455
00:22:36,880 --> 00:22:39,840
Speaker 3: would style them, because I do genuinely just love fashion

456
00:22:39,880 --> 00:22:41,600
Speaker 3: and beauty and it is such a passion of mine.

457
00:22:42,000 --> 00:22:44,920
Speaker 3: But I'm not a Kardashian and I can't just sit

458
00:22:44,960 --> 00:22:47,800
Speaker 3: there and scroll and buy. Unfortunately, I do think I

459
00:22:47,880 --> 00:22:49,800
Speaker 3: was meant to be one, but I think something just

460
00:22:49,800 --> 00:22:52,880
Speaker 3: got messed up. Yeah yeah, I think like someone filed

461
00:22:52,920 --> 00:22:53,960
Speaker 3: something wrong upstairs.

462
00:22:54,040 --> 00:22:55,040
Speaker 2: And then do you see that?

463
00:22:55,119 --> 00:22:57,399
Speaker 3: Yeah, yeah, it's fine, we'll figure it out in the

464
00:22:57,440 --> 00:23:14,400
Speaker 3: next lifetime. Come back storm his baby.

465
00:23:07,920 --> 00:23:09,760
Speaker 2: Like I'm still alive and I see like a picture

466
00:23:09,800 --> 00:23:11,560
Speaker 2: of you and like the magazine, I'm like that baby

467
00:23:11,560 --> 00:23:12,119
Speaker 2: looks verify.

468
00:23:13,040 --> 00:23:15,879
Speaker 3: The baby starts throwing up like the horns and singing

469
00:23:15,920 --> 00:23:18,560
Speaker 3: a CDC. And you're like, I'm like shit, rubbing my eyes.

470
00:23:18,600 --> 00:23:21,639
Speaker 3: You know what she said she was gonna do it.

471
00:23:20,760 --> 00:23:23,480
Speaker 2: She did. Everyone's gonna call me crazy.

472
00:23:23,640 --> 00:23:28,080
Speaker 3: Yeah, they're like Alex and they're like, all right, have

473
00:23:28,119 --> 00:23:30,160
Speaker 3: some chats.

474
00:23:30,200 --> 00:23:30,800
Speaker 2: Time for home.

475
00:23:31,080 --> 00:23:34,320
Speaker 3: Yeah, But like pints, shopping is so good because you

476
00:23:34,320 --> 00:23:38,080
Speaker 3: can kind of make believe shop and see what you

477
00:23:38,119 --> 00:23:40,199
Speaker 3: already have. Like I feel like a lot of the

478
00:23:40,280 --> 00:23:42,720
Speaker 3: items that are going to be coming up on your

479
00:23:42,720 --> 00:23:45,720
Speaker 3: Pinterest are probably items that you already have in your wardrobe,

480
00:23:45,920 --> 00:23:47,320
Speaker 3: so you can see all the different ways that you

481
00:23:47,320 --> 00:23:49,520
Speaker 3: can style it and get like that cost per way

482
00:23:49,520 --> 00:23:52,800
Speaker 3: from your shopping and make cute little pinteress boards. And

483
00:23:53,119 --> 00:23:57,119
Speaker 3: it really helps me also understand items I want because

484
00:23:57,160 --> 00:24:00,240
Speaker 3: if I have saved, like I had a thing something

485
00:24:00,320 --> 00:24:02,000
Speaker 3: that I really wanted, a pair of, like lace just

486
00:24:02,000 --> 00:24:03,920
Speaker 3: like playing black lace pants to like star with a

487
00:24:03,960 --> 00:24:06,200
Speaker 3: black blazer, the top would have been really cute, right,

488
00:24:07,160 --> 00:24:09,320
Speaker 3: And so I was like, oh, I don't know if

489
00:24:09,320 --> 00:24:11,280
Speaker 3: I'm gonna wear them a lot. And for like a month,

490
00:24:11,359 --> 00:24:14,639
Speaker 3: I've just been saving pins of like the just lace

491
00:24:14,880 --> 00:24:17,080
Speaker 3: pants and I'm like, Okay, I want these, like I know,

492
00:24:17,400 --> 00:24:19,159
Speaker 3: and I've got so many different ways to style them

493
00:24:19,200 --> 00:24:20,760
Speaker 3: in my pinteress board that I know I want them.

494
00:24:21,080 --> 00:24:23,479
Speaker 3: And I kind of didn't make the knee jerk purse

495
00:24:23,840 --> 00:24:27,439
Speaker 3: purchase because I was doing it on Pinterest and I

496
00:24:27,480 --> 00:24:29,680
Speaker 3: was having like a te fun, little girly time on there.

497
00:24:29,760 --> 00:24:31,760
Speaker 2: You're getting your dope, mean, and you're also getting your

498
00:24:31,760 --> 00:24:33,960
Speaker 2: sense of control, and you're also getting like you're doing

499
00:24:33,960 --> 00:24:34,880
Speaker 2: your research. Yeah.

500
00:24:35,080 --> 00:24:36,719
Speaker 3: Also, the other thing I would do is like go

501
00:24:36,760 --> 00:24:41,400
Speaker 3: clean something Like if you're feeling really shit and you're

502
00:24:41,440 --> 00:24:43,359
Speaker 3: there and you just want to buy something, I would

503
00:24:43,400 --> 00:24:45,919
Speaker 3: like just go wipe down your bench top, yeah, or

504
00:24:46,040 --> 00:24:49,920
Speaker 3: like just vacuum something. My roommate was so My old

505
00:24:50,000 --> 00:24:52,760
Speaker 3: roommate was so good at this good slash bad that

506
00:24:52,880 --> 00:24:55,919
Speaker 3: like at nine point thirty she would just start vacuuming, oh,

507
00:24:56,080 --> 00:24:57,680
Speaker 3: and that it would be like like I was awake,

508
00:24:57,760 --> 00:25:00,080
Speaker 3: so it's fine, but I'd be like, oh, we're go

509
00:25:00,359 --> 00:25:02,240
Speaker 3: and she was like, I need to control something, and

510
00:25:02,280 --> 00:25:04,400
Speaker 3: I was like, okay, that's fine, but she just But

511
00:25:04,480 --> 00:25:07,960
Speaker 3: then you also get the satisfaction and like all the

512
00:25:07,960 --> 00:25:11,119
Speaker 3: good brain juices from having like a clean space, and

513
00:25:11,560 --> 00:25:15,080
Speaker 3: I reckon half the purchases you think about making if

514
00:25:15,119 --> 00:25:16,919
Speaker 3: you go and do something else, whether it's you know,

515
00:25:17,359 --> 00:25:20,440
Speaker 3: read a book for thirty minutes, clean your space, clean.

516
00:25:20,320 --> 00:25:23,440
Speaker 2: Your water about Yeah, that's a really good mind because honestly,

517
00:25:23,960 --> 00:25:26,520
Speaker 2: who likes doing washing And you're just gonna keep buying

518
00:25:26,600 --> 00:25:27,120
Speaker 2: more and more.

519
00:25:27,200 --> 00:25:31,600
Speaker 3: I'm speaking from experience. Underwear nowhere to put it, and

520
00:25:31,680 --> 00:25:33,440
Speaker 3: it just kicks coming out and then you just have

521
00:25:33,480 --> 00:25:35,720
Speaker 3: a messy room all the time and it's the worst. Yeah.

522
00:25:35,760 --> 00:25:37,800
Speaker 2: So yeah, I love that. We're gonna take a little

523
00:25:37,800 --> 00:25:39,600
Speaker 2: bit of a break, but when we come back, I

524
00:25:39,640 --> 00:25:41,880
Speaker 2: really want to talk about how you can tell whether

525
00:25:41,920 --> 00:25:45,399
Speaker 2: it's an impulse purchase or a need and the experience

526
00:25:45,560 --> 00:25:55,040
Speaker 2: of buyers remorse. So we'll be back with you shortly alrighty.

527
00:25:55,160 --> 00:25:58,359
Speaker 2: So obviously, when we're really aware of our tendency to

528
00:25:58,440 --> 00:26:01,040
Speaker 2: impulse buy, sometimes we can actually go in the opposite

529
00:26:01,080 --> 00:26:04,760
Speaker 2: direction where we never spend money, would become very frugal.

530
00:26:05,200 --> 00:26:07,760
Speaker 2: That can come at the expense of like spending money

531
00:26:07,760 --> 00:26:10,679
Speaker 2: on things that are necessary, spending money on you know,

532
00:26:10,760 --> 00:26:14,040
Speaker 2: experiences with friends. But I really do want to focus

533
00:26:14,040 --> 00:26:17,119
Speaker 2: on items that you actually need. So how can you

534
00:26:17,200 --> 00:26:20,000
Speaker 2: kind of tell the difference between an impulse purchase and

535
00:26:20,600 --> 00:26:21,119
Speaker 2: a need?

536
00:26:21,640 --> 00:26:24,280
Speaker 3: So similar to what I was saying before, an impulse

537
00:26:24,320 --> 00:26:27,040
Speaker 3: purchase is something that you hasn't even dawned on you

538
00:26:27,280 --> 00:26:30,200
Speaker 3: that you want it, Like you've seen this one thing

539
00:26:30,240 --> 00:26:33,240
Speaker 3: and you're like, I need that. And again, there are

540
00:26:33,280 --> 00:26:36,119
Speaker 3: times that maybe you do need that thing, but I

541
00:26:36,240 --> 00:26:39,520
Speaker 3: don't think anyone should make a knee jerk reaction within

542
00:26:39,560 --> 00:26:43,280
Speaker 3: twenty four hours or something. So the best thing you

543
00:26:43,320 --> 00:26:48,280
Speaker 3: can do in life shopping relationships with yourself is sleep

544
00:26:48,359 --> 00:26:51,240
Speaker 3: on it. Like, just go to bed, and if you

545
00:26:51,320 --> 00:26:53,239
Speaker 3: wake up the first thing you think about is that,

546
00:26:53,320 --> 00:26:55,959
Speaker 3: then I'm like, okay, maybe we'll start thinking about it.

547
00:26:56,200 --> 00:26:58,600
Speaker 3: And then if you don't even think about it, and

548
00:26:58,680 --> 00:27:00,760
Speaker 3: you potentially even forget about it, for like two weeks

549
00:27:00,760 --> 00:27:02,639
Speaker 3: and you're like, oh, I kind of oh so, and

550
00:27:02,640 --> 00:27:05,600
Speaker 3: it maybe comes up as an AD because your cookies

551
00:27:05,640 --> 00:27:08,000
Speaker 3: have been dropped, so your Internet knows that you want

552
00:27:08,040 --> 00:27:09,760
Speaker 3: this item now, so it's going to start serving your

553
00:27:09,800 --> 00:27:12,200
Speaker 3: ads for it. If that's the only time that you're

554
00:27:12,240 --> 00:27:15,600
Speaker 3: thinking of it is because you're seeing it online or

555
00:27:15,600 --> 00:27:19,120
Speaker 3: in ads, it's probably an impulse purchase, Like, you probably

556
00:27:19,119 --> 00:27:22,040
Speaker 3: don't actually want this because there hasn't been a moment

557
00:27:22,119 --> 00:27:25,320
Speaker 3: in your life that you've navigated through your life and

558
00:27:25,359 --> 00:27:27,479
Speaker 3: this thing would have been a relief to like a

559
00:27:27,520 --> 00:27:30,840
Speaker 3: problem or a want or whatever. Because for example, if

560
00:27:30,840 --> 00:27:33,560
Speaker 3: you're going to go out for drinks and you've realized,

561
00:27:34,280 --> 00:27:37,120
Speaker 3: oh crap, I actually don't have a scara, Yeah, that's

562
00:27:37,280 --> 00:27:39,040
Speaker 3: that's when you're like, okay, I need a scara.

563
00:27:39,240 --> 00:27:41,639
Speaker 2: Yeah. That's when you clean a pair of socks.

564
00:27:41,760 --> 00:27:44,040
Speaker 3: Yeah, no, one has enough socks.

565
00:27:44,200 --> 00:27:47,320
Speaker 2: Yeah. Time one of those impulse No.

566
00:27:47,600 --> 00:27:52,600
Speaker 3: But absolutely no, absolutely not. I'm passionate about the suckies.

567
00:27:53,080 --> 00:27:55,720
Speaker 3: But those are kind of the moments that I would

568
00:27:55,720 --> 00:27:58,520
Speaker 3: think if there's something popping up in your everyday life

569
00:27:58,560 --> 00:28:02,199
Speaker 3: and you're like, I need that, then you know you

570
00:28:02,240 --> 00:28:04,679
Speaker 3: can go buy that and then the other thing that

571
00:28:04,720 --> 00:28:08,160
Speaker 3: I think I do is I kind of make sure

572
00:28:08,320 --> 00:28:11,720
Speaker 3: I earn the shop. So it's like I will go

573
00:28:11,840 --> 00:28:14,000
Speaker 3: and I will find it on sale, and I will

574
00:28:14,200 --> 00:28:17,560
Speaker 3: start price matching. So I will go to like all

575
00:28:17,560 --> 00:28:20,879
Speaker 3: the retailers that stock it, and I will go on

576
00:28:20,920 --> 00:28:22,480
Speaker 3: their little chat plot thing and I'll be like, do

577
00:28:22,480 --> 00:28:24,119
Speaker 3: you price match this? And this has been something that

578
00:28:24,160 --> 00:28:25,520
Speaker 3: I've been relentless with.

579
00:28:26,000 --> 00:28:27,399
Speaker 2: That's so smart.

580
00:28:27,560 --> 00:28:31,959
Speaker 3: Yeah, So like JB Hi Fi, the iconic David Jones, Maya,

581
00:28:33,160 --> 00:28:36,920
Speaker 3: like the good guys Harvey Norman, they all price match, Yeah,

582
00:28:37,920 --> 00:28:41,360
Speaker 3: jet Star price Match, Chemist Warehouse price match. There's so

583
00:28:41,400 --> 00:28:42,040
Speaker 3: many places, Like.

584
00:28:42,280 --> 00:28:44,840
Speaker 2: People who Generent live in Australia, these are like huge

585
00:28:44,920 --> 00:28:48,480
Speaker 2: Australian brands, so I'm assuming that like in other countries,

586
00:28:48,800 --> 00:28:51,120
Speaker 2: you might find a very similar system in place yep.

587
00:28:51,400 --> 00:28:54,720
Speaker 3: And so then I go through price matching, and then

588
00:28:54,880 --> 00:28:57,840
Speaker 3: I start looking at like cash back. So I look

589
00:28:57,880 --> 00:29:00,960
Speaker 3: on shop back and I see if I get shot

590
00:29:01,040 --> 00:29:04,160
Speaker 3: back for certain brands, and that's kind of where I'll

591
00:29:04,200 --> 00:29:06,000
Speaker 3: go to price match it, because if there's like twenty

592
00:29:06,000 --> 00:29:08,800
Speaker 3: percent cash back at David Jones, then I'm gonna go

593
00:29:08,840 --> 00:29:11,000
Speaker 3: price match at David Jones and a further twenty percent

594
00:29:11,040 --> 00:29:13,680
Speaker 3: cash back. And it's like doing all this work that

595
00:29:13,760 --> 00:29:17,000
Speaker 3: will show me if I really want the product, Because

596
00:29:17,000 --> 00:29:19,040
Speaker 3: if you can't be bothered and there are moments that

597
00:29:19,080 --> 00:29:21,080
Speaker 3: I can't be asked to go and do this and

598
00:29:21,120 --> 00:29:23,520
Speaker 3: like really focus on getting a really good deal, then

599
00:29:23,840 --> 00:29:25,719
Speaker 3: then I don't want it. Then it's not the thing.

600
00:29:25,840 --> 00:29:28,680
Speaker 3: Like I was really tossing up with getting my boyfriend

601
00:29:29,560 --> 00:29:33,880
Speaker 3: Rob don't listen. I'm pretty sure just in case no,

602
00:29:33,960 --> 00:29:36,400
Speaker 3: He's always like, whenever I do something, he's always like,

603
00:29:36,680 --> 00:29:42,920
Speaker 3: can I listen? I'm like, not go away for girls

604
00:29:42,960 --> 00:29:46,200
Speaker 3: for the goose. I was really tossing up between like

605
00:29:46,200 --> 00:29:48,600
Speaker 3: an Ura ring, which is like basically an apple watching

606
00:29:48,680 --> 00:29:52,240
Speaker 3: a ring, and a Weber barbecue. And so this is

607
00:29:52,240 --> 00:29:54,000
Speaker 3: probably a good tip for people that are doing Christmas

608
00:29:54,000 --> 00:29:56,800
Speaker 3: shopping and what I do to ask people what they

609
00:29:56,840 --> 00:29:58,640
Speaker 3: want for Christmas and I make sure I get them

610
00:29:58,640 --> 00:30:01,080
Speaker 3: a good present because I am.

611
00:30:00,960 --> 00:30:05,320
Speaker 2: El excellent if you cannot tell you all yes.

612
00:30:05,480 --> 00:30:07,880
Speaker 3: As well for schopper and gift giver is I don't

613
00:30:07,920 --> 00:30:10,760
Speaker 3: ask people what do you want for Christmas? Because like

614
00:30:10,880 --> 00:30:12,560
Speaker 3: nine times out of ten someone's gonna say, well, I

615
00:30:12,640 --> 00:30:15,400
Speaker 3: don't know, I don't want to feel bad to tell

616
00:30:15,440 --> 00:30:18,960
Speaker 3: you what they want because we're like that it's greedy.

617
00:30:20,160 --> 00:30:24,040
Speaker 3: But what I ask is like, do you have any

618
00:30:24,440 --> 00:30:27,760
Speaker 3: passions for next year? Or are there any new focuses

619
00:30:27,760 --> 00:30:31,080
Speaker 3: you want to get into? Or when are you at

620
00:30:31,120 --> 00:30:35,040
Speaker 3: your happiest? So those beautiful series of questions. Yeah, so

621
00:30:35,080 --> 00:30:37,080
Speaker 3: those can kind of tell you what people want. So,

622
00:30:37,760 --> 00:30:39,800
Speaker 3: like I asked my boyfriend and I said, do you

623
00:30:39,800 --> 00:30:41,720
Speaker 3: have any passions that you want to lean into next year?

624
00:30:42,120 --> 00:30:44,200
Speaker 3: As I was tossing up between a fitness tracker and

625
00:30:44,360 --> 00:30:49,480
Speaker 3: a weber he goes, he goes running and cooking, and

626
00:30:49,520 --> 00:30:55,160
Speaker 3: I was like, fuck both of them. I was like,

627
00:30:56,640 --> 00:30:57,600
Speaker 3: what's them do?

628
00:30:58,080 --> 00:31:01,240
Speaker 2: Maybe like a nutrition pouch or something. Yeah, but I

629
00:31:01,320 --> 00:31:01,880
Speaker 2: was so coo.

630
00:31:02,520 --> 00:31:05,600
Speaker 3: Yeah. But honestly, I was like, the Ura ring was

631
00:31:05,680 --> 00:31:09,600
Speaker 3: like four hundred dollars aud and I started going into

632
00:31:09,640 --> 00:31:13,280
Speaker 3: my little price match shot back world for the barbecue

633
00:31:13,440 --> 00:31:15,880
Speaker 3: and I was likeha, And I ended up getting it

634
00:31:15,920 --> 00:31:16,920
Speaker 3: like fifty percent off.

635
00:31:17,440 --> 00:31:18,440
Speaker 2: That's actually incredible.

636
00:31:18,560 --> 00:31:19,080
Speaker 3: It was wild.

637
00:31:19,520 --> 00:31:21,160
Speaker 2: It's worth it. He's kind of worth it.

638
00:31:21,200 --> 00:31:24,160
Speaker 3: And then like since then, I've heard him say all

639
00:31:24,160 --> 00:31:26,080
Speaker 3: these little things about cooking that I'm like, oh, I'm

640
00:31:26,120 --> 00:31:28,360
Speaker 3: so excited to give that to him. And it wasn't

641
00:31:28,400 --> 00:31:31,440
Speaker 3: just like this weird, like knee jerk reaction of buying

642
00:31:31,520 --> 00:31:33,680
Speaker 3: him something that was really expensive, because that's what the

643
00:31:33,840 --> 00:31:35,480
Speaker 3: URA ring would have been. It was like I saw

644
00:31:35,520 --> 00:31:37,080
Speaker 3: it and I was like, oh, that's cool. Yeah, and

645
00:31:37,080 --> 00:31:40,600
Speaker 3: it was one hundred dollars off. And as well, especially

646
00:31:40,640 --> 00:31:43,120
Speaker 3: for sales whether it's Black Friday or whatever time of

647
00:31:43,120 --> 00:31:44,840
Speaker 3: the year it is, it's like our biggest sale of

648
00:31:44,880 --> 00:31:45,240
Speaker 3: the year.

649
00:31:45,640 --> 00:31:46,040
Speaker 2: Lies.

650
00:31:46,480 --> 00:31:49,240
Speaker 3: Yeah, yeah, Lilli Lieselli lies.

651
00:31:50,160 --> 00:31:52,440
Speaker 2: The thing is to realize is like there is absolutely

652
00:31:52,560 --> 00:31:58,000
Speaker 2: no legislation rules anything around advertising sales.

653
00:31:58,120 --> 00:32:01,800
Speaker 3: It's also unregulated, like yeah, I'm gonna name it up,

654
00:32:01,960 --> 00:32:04,960
Speaker 3: but pretty little thing. They always always have a sale

655
00:32:05,000 --> 00:32:07,560
Speaker 3: on their site, right, and they have a countdown, and

656
00:32:07,640 --> 00:32:09,800
Speaker 3: I swear I don't know if they still do this

657
00:32:09,800 --> 00:32:11,920
Speaker 3: because I haven't been on this site for ages, but

658
00:32:12,000 --> 00:32:14,920
Speaker 3: like I would say, like maybe when I was twenty,

659
00:32:14,960 --> 00:32:20,320
Speaker 3: which was seven years ago, it's fine, but they would

660
00:32:20,360 --> 00:32:22,920
Speaker 3: have like fifty percent off and the countdown would never

661
00:32:22,960 --> 00:32:25,080
Speaker 3: be for more than a day and then the next

662
00:32:25,160 --> 00:32:27,760
Speaker 3: day it would just reset. So they just had this

663
00:32:27,880 --> 00:32:30,280
Speaker 3: countdown that was always like twenty four hours.

664
00:32:30,480 --> 00:32:31,640
Speaker 2: They know their psychology.

665
00:32:31,880 --> 00:32:33,880
Speaker 3: Yeah, I mean it might have been give or take

666
00:32:33,920 --> 00:32:35,520
Speaker 3: a little bit less, a little bit more, I don't know,

667
00:32:35,560 --> 00:32:38,000
Speaker 3: pretty little thing. You can't sue me. Disclaimer. Yeah, but

668
00:32:38,280 --> 00:32:39,480
Speaker 3: it was always like that.

669
00:32:40,200 --> 00:32:42,480
Speaker 2: Yeah, well that's what we were talking about before.

670
00:32:42,640 --> 00:32:42,880
Speaker 3: Yeah.

671
00:32:42,920 --> 00:32:44,800
Speaker 2: I think when we were going back to I love

672
00:32:44,920 --> 00:32:49,440
Speaker 2: that you did your research before making a purchase. That

673
00:32:49,560 --> 00:32:52,400
Speaker 2: is a big way of telling whether something is an

674
00:32:52,440 --> 00:32:55,760
Speaker 2: impulse by versus a need is because you won't look

675
00:32:55,800 --> 00:32:58,400
Speaker 2: for other options. So it's like, for example, if you

676
00:32:58,400 --> 00:33:00,239
Speaker 2: need a new pair of runners because you're all have

677
00:33:00,280 --> 00:33:02,360
Speaker 2: holes in them, Yes, you are going to look for

678
00:33:02,400 --> 00:33:04,320
Speaker 2: the best value for money. You are going to look

679
00:33:04,360 --> 00:33:06,120
Speaker 2: for the best pair that's going to last you a while.

680
00:33:06,600 --> 00:33:08,040
Speaker 2: If it was an impulse value, you'd be like, oh,

681
00:33:08,040 --> 00:33:10,360
Speaker 2: those are fine, because our standards for an impulse buy

682
00:33:10,520 --> 00:33:13,440
Speaker 2: lower because we're actually not actually looking for the purchase,

683
00:33:14,040 --> 00:33:16,360
Speaker 2: we're looking for the dope member of control. We're looking

684
00:33:16,400 --> 00:33:17,240
Speaker 2: for other things here.

685
00:33:17,640 --> 00:33:20,600
Speaker 3: I also think as well, like buyer's remorse is going

686
00:33:20,680 --> 00:33:23,640
Speaker 3: to happen, so like, don't beat yourself up for those

687
00:33:23,680 --> 00:33:26,640
Speaker 3: moments that maybe you have bought something and you're like, oops,

688
00:33:26,920 --> 00:33:28,960
Speaker 3: this was a bit of a mistake. Like, yeah, because

689
00:33:29,000 --> 00:33:32,840
Speaker 3: as well, we're not as a collective, as a community,

690
00:33:32,880 --> 00:33:35,320
Speaker 3: we're not shopping at places that we can't return items.

691
00:33:35,360 --> 00:33:38,000
Speaker 3: If something's final sale and you haven't been able to

692
00:33:38,040 --> 00:33:41,120
Speaker 3: like try it on or like actually touch it, feel

693
00:33:41,160 --> 00:33:42,880
Speaker 3: it and see it in real life, I would really

694
00:33:42,920 --> 00:33:45,880
Speaker 3: recommend not buying it. But as well, a lot of

695
00:33:45,920 --> 00:33:48,840
Speaker 3: the time you can return it. We're just really lazy,

696
00:33:49,240 --> 00:33:51,600
Speaker 3: Like that's true. Yes, Like the idea of going to

697
00:33:51,600 --> 00:33:54,720
Speaker 3: the post office, which is difficult because a lot of

698
00:33:54,800 --> 00:33:58,520
Speaker 3: us work nine to five and the post office is

699
00:33:58,640 --> 00:33:59,640
Speaker 3: open from.

700
00:33:59,480 --> 00:34:03,239
Speaker 2: Like yeah some places. Yeah, it's like how did they

701
00:34:03,280 --> 00:34:04,280
Speaker 2: come up with that system?

702
00:34:04,440 --> 00:34:06,560
Speaker 3: Yeah, and like none of us really Like who owns

703
00:34:06,560 --> 00:34:09,839
Speaker 3: a printer? I do because I needed I don't. Oh

704
00:34:09,960 --> 00:34:12,759
Speaker 3: I bought one because I just would not go to

705
00:34:12,840 --> 00:34:15,000
Speaker 3: the post office. And I was like, I'm losing so

706
00:34:15,080 --> 00:34:17,080
Speaker 3: much money in these clothes that I was like, I'm

707
00:34:17,120 --> 00:34:19,040
Speaker 3: just gonna start printing my own returns labels.

708
00:34:19,120 --> 00:34:20,480
Speaker 2: Yeah, and then being able.

709
00:34:20,360 --> 00:34:23,480
Speaker 3: To ship it back. But like making sure that you

710
00:34:23,560 --> 00:34:25,520
Speaker 3: do that, because I read this stat the other day

711
00:34:25,560 --> 00:34:28,759
Speaker 3: and it was like thirty percent of online purchases like

712
00:34:28,960 --> 00:34:33,200
Speaker 3: get returned. That's just the items that get returned, Like,

713
00:34:33,239 --> 00:34:35,000
Speaker 3: I feel like that number would be so.

714
00:34:35,080 --> 00:34:37,040
Speaker 2: I would say it's like at least fifty percent for

715
00:34:37,120 --> 00:34:39,880
Speaker 2: like items that didn't get returned and then also didn't

716
00:34:39,920 --> 00:34:40,520
Speaker 2: get used.

717
00:34:40,600 --> 00:34:43,279
Speaker 3: Yeah, I would say it's like fifty percent of items online.

718
00:34:43,480 --> 00:34:45,480
Speaker 3: I'm making this start up. By the way, this is

719
00:34:45,520 --> 00:34:48,400
Speaker 3: just a guess. I think it's true, but that people

720
00:34:48,600 --> 00:34:51,160
Speaker 3: wish they didn't buy. Yeah, I'm sure there's so many.

721
00:34:50,960 --> 00:34:52,919
Speaker 2: Of those sitting in my internet. We'll have to find

722
00:34:52,960 --> 00:34:57,520
Speaker 2: it out. Because it's like so buyers remorse, there's two

723
00:34:57,840 --> 00:35:00,440
Speaker 2: versions of it. I had to look into this buyer's

724
00:35:00,480 --> 00:35:02,839
Speaker 2: remorse in which you spend a lot of money and

725
00:35:03,480 --> 00:35:06,520
Speaker 2: you're feeling a sense of loss from your attachment for

726
00:35:06,560 --> 00:35:08,200
Speaker 2: the money. So like, for example, if you're saving for

727
00:35:08,200 --> 00:35:10,399
Speaker 2: a home or a car, you have spent so much

728
00:35:10,520 --> 00:35:14,719
Speaker 2: time earning that money that when you finally spend it,

729
00:35:14,800 --> 00:35:17,600
Speaker 2: you feel this like and you've been so strong not

730
00:35:17,680 --> 00:35:20,320
Speaker 2: spending it that then suddenly you spend it all because

731
00:35:20,320 --> 00:35:23,160
Speaker 2: you've permitted yourself to spend it all. But like your brain,

732
00:35:23,320 --> 00:35:25,239
Speaker 2: your cognition has kind of like taken a little while

733
00:35:25,239 --> 00:35:27,360
Speaker 2: to shift into that new gear of like there is

734
00:35:27,400 --> 00:35:30,120
Speaker 2: permissiveness there to spend it. Same with people who say

735
00:35:30,160 --> 00:35:32,960
Speaker 2: for like big overseas holidays, and then they go and

736
00:35:32,960 --> 00:35:35,480
Speaker 2: they're like, I suddenly feel really guilty for spending money

737
00:35:35,480 --> 00:35:38,000
Speaker 2: on this thing, when in fact, actually this is what

738
00:35:38,000 --> 00:35:40,080
Speaker 2: we've been saving for. So that's one type of like

739
00:35:40,120 --> 00:35:43,359
Speaker 2: buyer's remorse. And the second type comes from this thing

740
00:35:43,440 --> 00:35:46,680
Speaker 2: called post decision dissonance. And it's particularly to do with

741
00:35:46,719 --> 00:35:50,799
Speaker 2: impulse purchases. We've said this so many times. It comes

742
00:35:50,840 --> 00:35:53,600
Speaker 2: from an emotional urge to purchase something to feel a

743
00:35:53,640 --> 00:35:56,440
Speaker 2: certain way. It's a way of you know, self regulating,

744
00:35:56,560 --> 00:36:01,040
Speaker 2: of self soothing. What happens is you buy that and

745
00:36:01,080 --> 00:36:03,960
Speaker 2: then the emotional impulse fades and you're able to see

746
00:36:04,000 --> 00:36:06,840
Speaker 2: things a little bit more clearly. And it's in that

747
00:36:06,960 --> 00:36:11,000
Speaker 2: point of like where you feel more rational, that you

748
00:36:11,080 --> 00:36:14,160
Speaker 2: actually understand like the pros and cons of the purchase

749
00:36:14,680 --> 00:36:19,000
Speaker 2: rather than just the emotional impulse of the purchase. I

750
00:36:19,120 --> 00:36:21,360
Speaker 2: was gonna ask you, what's your been your biggest buyer's remorse?

751
00:36:21,560 --> 00:36:23,200
Speaker 2: Oh my god, I feel like because I was like,

752
00:36:23,440 --> 00:36:24,480
Speaker 2: I'm fascinated by this.

753
00:36:24,600 --> 00:36:29,200
Speaker 3: I did a really stupid one recently, and I saw

754
00:36:29,239 --> 00:36:32,799
Speaker 3: a TikTok and it was of this like Papison chair.

755
00:36:33,239 --> 00:36:37,400
Speaker 3: And so Papison chair is like you've probably seen them,

756
00:36:37,440 --> 00:36:39,759
Speaker 3: but they look like they're a cane chair that kind

757
00:36:39,760 --> 00:36:44,200
Speaker 3: of looks like a bit of a cocoon. Right, Yeah.

758
00:36:44,200 --> 00:36:45,800
Speaker 3: They hang or you can put it on a stand

759
00:36:45,800 --> 00:36:47,440
Speaker 3: and it can either sit up as like a couch

760
00:36:47,520 --> 00:36:49,759
Speaker 3: or you like then swivel it and it sits as

761
00:36:49,760 --> 00:36:52,520
Speaker 3: like this little bed. And I saw someone on like

762
00:36:52,560 --> 00:36:55,320
Speaker 3: BookTalk reading in theirs and I was like, well, I

763
00:36:55,400 --> 00:36:59,040
Speaker 3: obviously need that. Yeah, And I was like, but like

764
00:36:59,120 --> 00:37:00,960
Speaker 3: furniture is always so I was like, I wonder how

765
00:37:01,000 --> 00:37:03,360
Speaker 3: much it is. And then because I was in this loop,

766
00:37:03,480 --> 00:37:06,400
Speaker 3: and I saw it on Amazon and it was like

767
00:37:06,480 --> 00:37:08,480
Speaker 3: one hundred and seventy dollars and I was like, oh my.

768
00:37:08,440 --> 00:37:10,160
Speaker 2: God, and you already have thought it was going to

769
00:37:10,200 --> 00:37:12,200
Speaker 2: be more expensive. Winning so I thought.

770
00:37:12,200 --> 00:37:14,719
Speaker 3: I was like, oh my god, standing amazing, brave, come

771
00:37:14,760 --> 00:37:18,799
Speaker 3: at me, and then bought it. It came, and I

772
00:37:19,200 --> 00:37:24,359
Speaker 3: you know, made the impulse decision and it came, and

773
00:37:24,400 --> 00:37:26,400
Speaker 3: I hadn't thought about one of these chairs either, so

774
00:37:26,440 --> 00:37:31,160
Speaker 3: again this happens to me too. Still, and it came

775
00:37:31,200 --> 00:37:33,759
Speaker 3: and I was like, this package is really small. Maybe

776
00:37:33,760 --> 00:37:36,160
Speaker 3: I have to build it. I just bought the cushion.

777
00:37:36,760 --> 00:37:40,200
Speaker 3: It was just a cushion. There was a chair, and

778
00:37:40,239 --> 00:37:43,080
Speaker 3: then I looked up how much the chair was.

779
00:37:43,320 --> 00:37:44,160
Speaker 2: How much was the chair?

780
00:37:44,320 --> 00:37:46,000
Speaker 3: One thy five hundred dollars?

781
00:37:46,239 --> 00:37:49,239
Speaker 2: Oh my god, So did you buy it? No?

782
00:37:49,680 --> 00:37:53,600
Speaker 3: I said, absolutely not. I went to marketplace and I said,

783
00:37:53,840 --> 00:37:55,680
Speaker 3: give me one did you find that? I did find

784
00:37:55,800 --> 00:38:01,080
Speaker 3: on Facebook marketplace, But I then ended up spending I

785
00:38:01,120 --> 00:38:03,360
Speaker 3: think it was like another one hundred and fifty dollars

786
00:38:03,960 --> 00:38:07,160
Speaker 3: to get the chair, which then, look, I love the chair,

787
00:38:07,640 --> 00:38:09,759
Speaker 3: but I probably wouldn't have spent three hundred dollars on

788
00:38:09,800 --> 00:38:12,200
Speaker 3: it in the first place. Yeah, in the first place,

789
00:38:12,239 --> 00:38:15,200
Speaker 3: which then collectively ended up being three hundred dollars. And

790
00:38:15,239 --> 00:38:16,880
Speaker 3: then there's been other things where I just like didn't

791
00:38:16,880 --> 00:38:20,080
Speaker 3: read the measurements and I bought the world's tiniese couch

792
00:38:20,640 --> 00:38:21,240
Speaker 3: like it.

793
00:38:21,120 --> 00:38:22,799
Speaker 2: Was the furniture. There was one of those ones where

794
00:38:22,800 --> 00:38:23,960
Speaker 2: I'm like, you should go in and look at that.

795
00:38:24,000 --> 00:38:25,319
Speaker 3: Oh my god, yeah, oh my god.

796
00:38:25,360 --> 00:38:26,319
Speaker 2: Yeah, it's a huge thing.

797
00:38:26,680 --> 00:38:28,959
Speaker 3: But yeah, there's been like, definitely a couple of things

798
00:38:29,000 --> 00:38:31,960
Speaker 3: as well. I think some of my buyer's remorse has

799
00:38:32,000 --> 00:38:36,080
Speaker 3: come from trying to kind of force an item I

800
00:38:36,120 --> 00:38:39,600
Speaker 3: really liked in a size that wasn't mine, so either

801
00:38:39,680 --> 00:38:43,319
Speaker 3: sizing up or sizing down, and I would be like, oh,

802
00:38:43,760 --> 00:38:46,680
Speaker 3: I'll just I'll make it work, like maybe it's maybe

803
00:38:46,719 --> 00:38:48,840
Speaker 3: it's a big make and I'll maybe i'm bloated together,

804
00:38:48,920 --> 00:38:51,239
Speaker 3: Yeah it's an end, and I just will be like, no,

805
00:38:51,320 --> 00:38:53,080
Speaker 3: it's fine, I'll make it work. And then I get

806
00:38:53,120 --> 00:38:57,560
Speaker 3: it and I'm like, one, buying clothes that aren't gonna

807
00:38:57,600 --> 00:38:59,560
Speaker 3: fit me that I know aren't gonna fit me. I'm

808
00:38:59,600 --> 00:39:01,520
Speaker 3: just gonna put them on and feel bad about myself.

809
00:39:01,680 --> 00:39:04,240
Speaker 3: So why am I doing this to myself? And two?

810
00:39:05,200 --> 00:39:06,879
Speaker 3: Am I actually going to be able to return it?

811
00:39:07,120 --> 00:39:09,440
Speaker 3: Because we're all lazy in terms of returns.

812
00:39:09,080 --> 00:39:12,480
Speaker 2: And it's busy and it's busy time, and like.

813
00:39:12,520 --> 00:39:14,239
Speaker 3: Then you just have to pay for shipping as.

814
00:39:14,160 --> 00:39:16,080
Speaker 2: Well, yeah, which is just a bummer.

815
00:39:16,560 --> 00:39:18,040
Speaker 3: Yeah, So I think those have been some of my

816
00:39:18,400 --> 00:39:22,160
Speaker 3: buyer's remorse times. But yeah, the chair one on Amazon

817
00:39:22,280 --> 00:39:23,279
Speaker 3: was a recent one, and I.

818
00:39:23,239 --> 00:39:25,360
Speaker 2: Was like, damn it, I get that, And it was

819
00:39:25,360 --> 00:39:27,319
Speaker 2: an impulse by Yeah. I did this with a pair

820
00:39:27,320 --> 00:39:30,040
Speaker 2: of boots maybe two years ago. It was like I

821
00:39:30,120 --> 00:39:32,160
Speaker 2: bought them when I just started making like real mad

822
00:39:32,440 --> 00:39:35,799
Speaker 2: money again, the adult money. Yeah, And I was like,

823
00:39:35,880 --> 00:39:38,320
Speaker 2: I want those boots and it was an impulse purchase

824
00:39:38,320 --> 00:39:41,040
Speaker 2: and I bought them. They were from a low Haas

825
00:39:42,880 --> 00:39:45,320
Speaker 2: and they actually ended up breaking.

826
00:39:45,600 --> 00:39:47,959
Speaker 3: Oh no, they wa they did it.

827
00:39:48,200 --> 00:39:50,799
Speaker 2: And then I emailed them and I actually I bought

828
00:39:50,840 --> 00:39:52,400
Speaker 2: them from a different seller, so I hadn't brought them

829
00:39:52,400 --> 00:39:55,200
Speaker 2: straight from a low has and so they couldn't refund me,

830
00:39:56,239 --> 00:39:58,200
Speaker 2: and it was like such a bummer, and I ended

831
00:39:58,239 --> 00:40:00,759
Speaker 2: up paying. So here's the other thing. I bought them

832
00:40:00,800 --> 00:40:03,000
Speaker 2: for three hundred dollars. I've never spent that much money

833
00:40:03,080 --> 00:40:07,120
Speaker 2: on an item of clothing shoes. Ever, I'm like very frugal,

834
00:40:07,760 --> 00:40:10,640
Speaker 2: like when I just I just don't do it. So

835
00:40:10,800 --> 00:40:14,640
Speaker 2: I bought them and then I broke them, and so

836
00:40:15,160 --> 00:40:18,680
Speaker 2: I ended up spending another fifty dollars fixing them. It's

837
00:40:18,680 --> 00:40:21,120
Speaker 2: the sunk cost fallacy where you like, I've already spent

838
00:40:21,200 --> 00:40:23,200
Speaker 2: and it's what happened to you as well. Yeah, I

839
00:40:23,280 --> 00:40:26,120
Speaker 2: already spent this much money. To let that go would

840
00:40:26,120 --> 00:40:27,520
Speaker 2: be a loss of this money. So I just need

841
00:40:27,560 --> 00:40:30,120
Speaker 2: to go in further because at least that's that loss

842
00:40:30,120 --> 00:40:30,879
Speaker 2: of version.

843
00:40:30,520 --> 00:40:32,480
Speaker 3: I just returned the fucking cool shit.

844
00:40:32,600 --> 00:40:34,560
Speaker 2: I should have just like stuck to my guns and

845
00:40:34,600 --> 00:40:37,080
Speaker 2: been like, give me a refund these yeah, And I'm

846
00:40:37,120 --> 00:40:40,520
Speaker 2: not saying anything that's I need you to make.

847
00:40:41,520 --> 00:40:45,880
Speaker 3: I have been there been like I know my age

848
00:40:45,880 --> 00:40:49,360
Speaker 3: triple Z consumer rights. I'm not getting off his chat

849
00:40:50,000 --> 00:40:53,200
Speaker 3: this contact us chat until you give me a refund.

850
00:40:53,719 --> 00:40:55,960
Speaker 2: But I burn this place, fill the ground.

851
00:40:56,040 --> 00:41:00,440
Speaker 3: It makes me feel better. My I realized another one

852
00:41:00,480 --> 00:41:02,440
Speaker 3: when you were just talking. It was I bought like

853
00:41:02,480 --> 00:41:06,759
Speaker 3: a designer handbag for like three thousand dollars and it's

854
00:41:06,760 --> 00:41:09,240
Speaker 3: the only designer handbag I've ever bought, and I would

855
00:41:09,239 --> 00:41:12,960
Speaker 3: never buy a designer handbag ever again, because I this

856
00:41:13,160 --> 00:41:17,320
Speaker 3: was maybe two years ago, and I fell into that whole,

857
00:41:17,440 --> 00:41:21,960
Speaker 3: like like when you buy your first designer bag, it's

858
00:41:22,000 --> 00:41:25,600
Speaker 3: just really special thing. And I started getting served all

859
00:41:25,600 --> 00:41:29,440
Speaker 3: the ads and all of this stuff, and I like

860
00:41:29,680 --> 00:41:32,160
Speaker 3: achieved something really big at my old job and I

861
00:41:32,200 --> 00:41:34,600
Speaker 3: got this bonus and I was like, do you know what?

862
00:41:34,719 --> 00:41:37,439
Speaker 3: And I think we still weren't allowed to travel yet.

863
00:41:37,440 --> 00:41:40,600
Speaker 3: Maybe I can't remember, and I was like, and I

864
00:41:40,760 --> 00:41:43,160
Speaker 3: really wanted this designer bag, and I had wanted it

865
00:41:43,200 --> 00:41:47,200
Speaker 3: for a while, but when I got it, it was

866
00:41:47,320 --> 00:41:50,960
Speaker 3: so much money, more money than I've ever spent on anything,

867
00:41:51,080 --> 00:41:52,920
Speaker 3: like ten times.

868
00:41:52,480 --> 00:41:54,759
Speaker 2: The amount of money a big spend.

869
00:41:54,840 --> 00:41:55,880
Speaker 3: No, no, no, no, no.

870
00:41:55,760 --> 00:41:56,400
Speaker 2: You're not like that.

871
00:41:56,600 --> 00:41:58,879
Speaker 3: Like I am like, get me a good deal, then

872
00:41:58,880 --> 00:42:02,680
Speaker 3: you get my money. But like and I just was like,

873
00:42:02,760 --> 00:42:04,680
Speaker 3: it's too nice. I can't use it.

874
00:42:04,800 --> 00:42:05,640
Speaker 2: Oh what happens?

875
00:42:05,680 --> 00:42:07,600
Speaker 3: What happens if someone spills woul drink on it? What

876
00:42:07,680 --> 00:42:08,840
Speaker 3: happens if it gets stolen?

877
00:42:08,920 --> 00:42:09,120
Speaker 2: What?

878
00:42:09,560 --> 00:42:13,040
Speaker 3: Like? Because it was so much money and so special

879
00:42:13,239 --> 00:42:17,560
Speaker 3: in like quotation remarks, I then didn't use it for

880
00:42:17,600 --> 00:42:20,520
Speaker 3: like two years, and I was like shit, I was like,

881
00:42:20,560 --> 00:42:23,680
Speaker 3: this was a waste of money. Trying to force myself

882
00:42:23,719 --> 00:42:25,960
Speaker 3: to use it more now because I still sometimes have

883
00:42:25,960 --> 00:42:28,160
Speaker 3: a thing being like, oh but if like I don't

884
00:42:28,160 --> 00:42:32,000
Speaker 3: want that. I have this like fear that if you're

885
00:42:32,000 --> 00:42:34,279
Speaker 3: going to buy something and it's really really special, that

886
00:42:34,280 --> 00:42:35,640
Speaker 3: you're going to be like I'm only going to use

887
00:42:35,719 --> 00:42:38,000
Speaker 3: some special occasions. Don't buy it. Your cost per wear

888
00:42:38,120 --> 00:42:40,200
Speaker 3: is not going to be like it's not gonna be

889
00:42:40,239 --> 00:42:40,960
Speaker 3: the level that it needs.

890
00:42:41,000 --> 00:42:43,600
Speaker 2: No, that's a big one. It's like from home alone too.

891
00:42:44,680 --> 00:42:46,320
Speaker 2: He talks about like how he got a pair of

892
00:42:46,400 --> 00:42:48,759
Speaker 2: rollerblades one year, but he was so scared that they

893
00:42:48,760 --> 00:42:50,480
Speaker 2: would get dirty that he never used them, so he

894
00:42:50,560 --> 00:42:53,000
Speaker 2: left them. That's all I can think about. So I

895
00:42:53,000 --> 00:42:54,560
Speaker 2: wanted to do a quick segue to the last thing

896
00:42:54,560 --> 00:42:57,880
Speaker 2: I want to talk about, kind of a two double

897
00:42:57,920 --> 00:43:00,600
Speaker 2: barrel question here, Well, what are some of the things

898
00:43:00,600 --> 00:43:02,279
Speaker 2: that we should be spending our money on in our

899
00:43:02,320 --> 00:43:05,600
Speaker 2: twenties and how can we be better at managing our

900
00:43:05,719 --> 00:43:08,280
Speaker 2: money such that we don't impulse.

901
00:43:07,880 --> 00:43:12,680
Speaker 3: By I think first step in managing is managing your

902
00:43:12,719 --> 00:43:15,160
Speaker 3: money and then figuring out what you need to spend

903
00:43:15,200 --> 00:43:18,560
Speaker 3: your money on. So there are so many just like

904
00:43:18,600 --> 00:43:21,640
Speaker 3: free templates that you can literally put into Google. And

905
00:43:22,120 --> 00:43:23,960
Speaker 3: I know it sounds boring because whenever I would listen

906
00:43:23,960 --> 00:43:25,560
Speaker 3: to like money podcasts tell me to do this, I

907
00:43:25,600 --> 00:43:27,640
Speaker 3: was like, I'm not going to do that. But you

908
00:43:27,680 --> 00:43:30,160
Speaker 3: do really need to just sit down and look at

909
00:43:30,200 --> 00:43:32,560
Speaker 3: how much money you have coming in and how much

910
00:43:32,600 --> 00:43:34,359
Speaker 3: money you have going out. I'm not saying you need

911
00:43:34,400 --> 00:43:36,320
Speaker 3: to look at the last six months, three months or whatever,

912
00:43:36,680 --> 00:43:38,960
Speaker 3: but even just the last month so that you can

913
00:43:38,960 --> 00:43:40,880
Speaker 3: get an idea of how much money you do have

914
00:43:41,000 --> 00:43:43,600
Speaker 3: and don't have. Because if you're getting to the end

915
00:43:43,640 --> 00:43:45,920
Speaker 3: of the week and people are asking if you want

916
00:43:45,960 --> 00:43:47,719
Speaker 3: to go out for drinks and you're saying, we haven't

917
00:43:47,760 --> 00:43:49,759
Speaker 3: been paid yet. You really need to look at this

918
00:43:49,800 --> 00:43:51,840
Speaker 3: because it means that you're spending more than you're earning,

919
00:43:52,320 --> 00:43:54,719
Speaker 3: so you take it into debt. Yes, and that is

920
00:43:54,760 --> 00:43:56,840
Speaker 3: how you get into debt. That's when you start, you know,

921
00:43:56,960 --> 00:43:59,560
Speaker 3: abusing things like after pay or like looking into a

922
00:43:59,560 --> 00:44:00,320
Speaker 3: credit card.

923
00:44:00,560 --> 00:44:01,640
Speaker 2: Don't get a credit card.

924
00:44:01,719 --> 00:44:01,799
Speaker 3: No.

925
00:44:02,440 --> 00:44:05,320
Speaker 2: I think in Australia it's easy to say that, yeah,

926
00:44:05,360 --> 00:44:07,319
Speaker 2: because we don't have like a credit rating. But if

927
00:44:07,320 --> 00:44:08,879
Speaker 2: you if you don't need to get a credit card,

928
00:44:08,960 --> 00:44:10,640
Speaker 2: do not buy a credit do not get a credit.

929
00:44:10,640 --> 00:44:13,080
Speaker 3: We do have like credit schools, though I actually.

930
00:44:12,840 --> 00:44:14,680
Speaker 2: Saw this thing where it's like apparently they don't look

931
00:44:14,680 --> 00:44:17,319
Speaker 2: into it as much. They can offer it up like

932
00:44:17,400 --> 00:44:20,000
Speaker 2: you can give it as evidence, like being like I

933
00:44:20,040 --> 00:44:21,839
Speaker 2: am suitable for a loan, but if you've never had

934
00:44:21,840 --> 00:44:24,520
Speaker 2: a credit card, they don't count it against you. No.

935
00:44:24,320 --> 00:44:25,760
Speaker 3: No, what I'm saying, Yeah, we'll.

936
00:44:25,600 --> 00:44:27,040
Speaker 2: Look at it if you have one, but they won't.

937
00:44:27,600 --> 00:44:29,839
Speaker 3: Yeah, anyhow, if you never had a credit card, then

938
00:44:29,840 --> 00:44:31,000
Speaker 3: they're not going to be like you don't.

939
00:44:31,080 --> 00:44:33,040
Speaker 2: Yeah, there's no need to get to get one unless

940
00:44:33,040 --> 00:44:35,520
Speaker 2: you're like really into like the points or whatever.

941
00:44:35,640 --> 00:44:38,440
Speaker 3: And even then, I think the points, there's so many

942
00:44:38,560 --> 00:44:40,640
Speaker 3: terms and conditions to it. So it used to be

943
00:44:41,280 --> 00:44:44,160
Speaker 3: like a credit cards editor. So like she if she

944
00:44:44,400 --> 00:44:47,320
Speaker 3: says I'm never getting a credit card, this is like

945
00:44:47,520 --> 00:44:50,400
Speaker 3: never getting a credit best friend. And that's not money

946
00:44:50,400 --> 00:44:53,600
Speaker 3: advice or financial advice at all. But if someone who

947
00:44:53,680 --> 00:44:55,799
Speaker 3: wrote about them through a living has not got one,

948
00:44:55,840 --> 00:44:57,000
Speaker 3: then I'm not getting one.

949
00:44:57,480 --> 00:45:00,520
Speaker 2: Yeah. Anyhow, there's our first Yeah, take solid look at

950
00:45:00,520 --> 00:45:02,480
Speaker 2: your finances, don't get a credit card.

951
00:45:02,560 --> 00:45:06,440
Speaker 3: Yeah, So I think, take a look and then really

952
00:45:06,520 --> 00:45:09,600
Speaker 3: break down everything you spend so that that kind of

953
00:45:09,800 --> 00:45:12,120
Speaker 3: shows you how much wiggle room you have with your

954
00:45:12,120 --> 00:45:14,840
Speaker 3: money and where you want to pull back. So for example,

955
00:45:14,920 --> 00:45:16,720
Speaker 3: like I always get my nails done every two weeks.

956
00:45:16,760 --> 00:45:18,719
Speaker 3: I know that's going to be forty five dollars, but

957
00:45:18,760 --> 00:45:21,960
Speaker 3: we don't necessarily put that into our budgeting. We think rent,

958
00:45:22,160 --> 00:45:26,120
Speaker 3: we think you know, groceries, we think electricity bills, right,

959
00:45:26,160 --> 00:45:27,960
Speaker 3: but we don't put in like the little things that

960
00:45:28,000 --> 00:45:30,359
Speaker 3: we regularly get, like even if that's your five dollars

961
00:45:30,400 --> 00:45:33,480
Speaker 3: morning coffee. Yeah, And so find a template or build

962
00:45:33,520 --> 00:45:35,879
Speaker 3: one if you like that's so easy that you can

963
00:45:36,000 --> 00:45:39,000
Speaker 3: just like pop the numbers in there as you're spending

964
00:45:39,120 --> 00:45:42,000
Speaker 3: or at the end of the week. What like my

965
00:45:42,600 --> 00:45:44,120
Speaker 3: partner and I have started doing. But you can do

966
00:45:44,160 --> 00:45:45,520
Speaker 3: this on your own, or you could do this with

967
00:45:45,560 --> 00:45:48,719
Speaker 3: your roommates, is that we like pull like He'll have

968
00:45:48,760 --> 00:45:50,279
Speaker 3: a beer and I have like a glass of wine

969
00:45:50,280 --> 00:45:52,879
Speaker 3: at like four o'clock on a Sunday afternoon and we'll

970
00:45:52,880 --> 00:45:55,040
Speaker 3: like play like some Fleetwood Mac and we'll like look

971
00:45:55,040 --> 00:45:56,359
Speaker 3: at it and then we'll just kind of like hang

972
00:45:56,400 --> 00:45:57,799
Speaker 3: out and do it while we're hanging out.

973
00:45:57,800 --> 00:45:58,239
Speaker 2: It's fun.

974
00:45:58,480 --> 00:46:01,319
Speaker 3: Yeah, sure, so that it's like the first thing I

975
00:46:01,360 --> 00:46:04,040
Speaker 3: would do. And then in terms of thinking about what

976
00:46:04,080 --> 00:46:06,320
Speaker 3: you need to spend your money on in your twenties,

977
00:46:07,440 --> 00:46:10,440
Speaker 3: it's very difficult to answer this because our early twenties

978
00:46:10,440 --> 00:46:12,440
Speaker 3: and our mid twenties and our late twenties all have

979
00:46:12,760 --> 00:46:16,560
Speaker 3: very very different paychecks. Because our early twenties, a lot

980
00:46:16,600 --> 00:46:18,560
Speaker 3: of us are still at UNI and we're probably working

981
00:46:18,560 --> 00:46:21,640
Speaker 3: part time. Mid twenties is kind of when we get

982
00:46:21,800 --> 00:46:24,400
Speaker 3: entry level, yeah, a full time job that we kind

983
00:46:24,440 --> 00:46:26,319
Speaker 3: of tend to see a bit more money, But that's

984
00:46:26,360 --> 00:46:28,640
Speaker 3: also when we tend to move out so that's when

985
00:46:28,640 --> 00:46:31,000
Speaker 3: we're kind of trying to figure out how to budget

986
00:46:31,040 --> 00:46:34,800
Speaker 3: because we've moved out, and late twenties is when we're like, okay, money,

987
00:46:34,880 --> 00:46:36,759
Speaker 3: I have money. I need to figure out how to

988
00:46:36,760 --> 00:46:40,760
Speaker 3: spend money. So I think first things first is it's

989
00:46:41,000 --> 00:46:44,759
Speaker 3: when you are in that phase of Okay, we're moving out,

990
00:46:44,800 --> 00:46:48,360
Speaker 3: we're renting. When you're renting, that's going to be the

991
00:46:48,360 --> 00:46:51,600
Speaker 3: biggest investment. I think where you're home, where you live,

992
00:46:52,000 --> 00:46:54,520
Speaker 3: that's your biggest investment because that's your safe space. That

993
00:46:54,600 --> 00:46:57,440
Speaker 3: is never a bad investment in my eyes. And I

994
00:46:57,480 --> 00:47:00,600
Speaker 3: know that renting at the moment is an absolute the breakfast,

995
00:47:00,719 --> 00:47:04,640
Speaker 3: especially in like Sydney in Australia. But learning how to

996
00:47:04,719 --> 00:47:07,279
Speaker 3: kind of manage your money and your home is going

997
00:47:07,360 --> 00:47:09,279
Speaker 3: to be really really helpful in the long run that

998
00:47:09,320 --> 00:47:13,160
Speaker 3: you're never stressed and resentful to pay rent, because that

999
00:47:13,320 --> 00:47:16,120
Speaker 3: is huge, yeah, because I know, like we're never going

1000
00:47:16,200 --> 00:47:18,880
Speaker 3: to be like, yeah, I'm paying off someone's mortgage. But

1001
00:47:20,000 --> 00:47:23,160
Speaker 3: living within your means but somewhere that feels like home

1002
00:47:23,280 --> 00:47:25,239
Speaker 3: is going to really be helpful. Like I always think

1003
00:47:25,280 --> 00:47:27,839
Speaker 3: investing in your home and good quality and the things

1004
00:47:27,840 --> 00:47:29,840
Speaker 3: that you use every day is never going to be

1005
00:47:29,880 --> 00:47:32,719
Speaker 3: a bad investment. For example, sheets if you have like

1006
00:47:32,760 --> 00:47:35,160
Speaker 3: the expendable income to spend a little bit more on

1007
00:47:35,239 --> 00:47:37,680
Speaker 3: really good quality sheets, that's going to make getting into

1008
00:47:37,680 --> 00:47:39,439
Speaker 3: better at the end of a really long, hard day,

1009
00:47:39,760 --> 00:47:40,880
Speaker 3: that a little bit nicer.

1010
00:47:41,520 --> 00:47:43,760
Speaker 2: Or like bedframe mattress.

1011
00:47:43,400 --> 00:47:47,080
Speaker 3: Yeah, bedframe mattress, even cookware, Like I would say that's

1012
00:47:47,120 --> 00:47:49,360
Speaker 3: maybe more of like an investment in your late twenties.

1013
00:47:49,560 --> 00:47:51,800
Speaker 2: Yeah, you can get that for like quite cheap. Actually

1014
00:47:51,920 --> 00:47:53,359
Speaker 2: second hand. I love that when I.

1015
00:47:53,320 --> 00:47:56,000
Speaker 3: Moved out Facebook Marketplace is your best friend in your twenties.

1016
00:47:56,040 --> 00:47:59,360
Speaker 3: I'm telling like, there are so many things that I

1017
00:47:59,400 --> 00:48:02,520
Speaker 3: would say thing to invest in your twenties is shopping secondhand.

1018
00:48:02,640 --> 00:48:06,839
Speaker 3: I think we underestimate the value of it, and we

1019
00:48:06,960 --> 00:48:11,640
Speaker 3: overestimate the sparkles around brand new because like I got

1020
00:48:11,680 --> 00:48:13,040
Speaker 3: a brand new for this price.

1021
00:48:13,520 --> 00:48:13,799
Speaker 2: Not me.

1022
00:48:14,080 --> 00:48:16,279
Speaker 3: I'm like, this was used three times and I got

1023
00:48:16,280 --> 00:48:19,879
Speaker 3: it for seventy percent the retail price. Amazing. I think

1024
00:48:19,920 --> 00:48:24,279
Speaker 3: as well, we avoid things like our health a lot too.

1025
00:48:24,360 --> 00:48:26,279
Speaker 2: That's about to actually say that, like health is a

1026
00:48:26,320 --> 00:48:29,600
Speaker 2: huge one, like that I've figured out I used to

1027
00:48:29,680 --> 00:48:31,560
Speaker 2: go so cheap when I went to my doctors, Like

1028
00:48:31,920 --> 00:48:33,799
Speaker 2: I would only ever go to doctors that were free,

1029
00:48:34,239 --> 00:48:37,960
Speaker 2: and I got bad healthcare. Yeah, or I like did

1030
00:48:38,000 --> 00:48:39,560
Speaker 2: not take care of myself because I did not want

1031
00:48:39,560 --> 00:48:42,120
Speaker 2: to spend the money yep. And that actually caused problems

1032
00:48:42,160 --> 00:48:44,040
Speaker 2: where I was like, oh, so like now I have

1033
00:48:44,200 --> 00:48:47,319
Speaker 2: Like one example is with my eyesight, where when I

1034
00:48:47,320 --> 00:48:48,640
Speaker 2: went to UNI, I was like, I'm not gonna get

1035
00:48:48,640 --> 00:48:51,080
Speaker 2: my eyes to it's too expensive. It's too expensive. I

1036
00:48:51,280 --> 00:48:54,360
Speaker 2: kept wearing glasses that like weren't working for me, and

1037
00:48:54,400 --> 00:48:55,920
Speaker 2: then three years later it was like, well, now you

1038
00:48:55,960 --> 00:48:58,640
Speaker 2: need like a particular kind of glass. It's gonna cost

1039
00:48:58,680 --> 00:48:59,400
Speaker 2: you two hundred dollars more.

1040
00:49:00,080 --> 00:49:03,120
Speaker 3: Exactly. There's even like and we avoid it because we

1041
00:49:03,160 --> 00:49:04,719
Speaker 3: think the price tag is going to be really high.

1042
00:49:04,800 --> 00:49:08,279
Speaker 3: So for example, like dentistry is something that we really

1043
00:49:08,320 --> 00:49:10,680
Speaker 3: all don't don't spend money on. We don't want to

1044
00:49:10,680 --> 00:49:12,680
Speaker 3: spend money on it, and we avoid it because I've

1045
00:49:12,800 --> 00:49:15,040
Speaker 3: avoided it for like two years, and so I was like,

1046
00:49:15,160 --> 00:49:17,120
Speaker 3: you need to go to the dentisty and I was like,

1047
00:49:17,280 --> 00:49:20,120
Speaker 3: I know because she's so good with it. And then

1048
00:49:20,120 --> 00:49:24,200
Speaker 3: I found this dentistry that was called Dental ninety nine

1049
00:49:24,200 --> 00:49:25,960
Speaker 3: and it's like a ninety nine dollar dentist that you

1050
00:49:25,960 --> 00:49:28,359
Speaker 3: can go and get like a clean and a check up.

1051
00:49:28,480 --> 00:49:30,279
Speaker 3: And it was and I went and tested it because

1052
00:49:30,280 --> 00:49:32,120
Speaker 3: I was like, I'm not going to recommend it. Recommend

1053
00:49:32,160 --> 00:49:36,200
Speaker 3: this if I haven't gone and you get it, pull

1054
00:49:36,239 --> 00:49:38,360
Speaker 3: out a chainsall being like you've got a cavity, and

1055
00:49:38,360 --> 00:49:41,879
Speaker 3: I'm like wow, but that was really good. And so

1056
00:49:42,480 --> 00:49:44,520
Speaker 3: making sure that you don't cut corners on the things

1057
00:49:44,520 --> 00:49:47,400
Speaker 3: that really matter, but you don't necessarily need to be

1058
00:49:47,440 --> 00:49:51,560
Speaker 3: going to like you know, a Double Bay GP, which

1059
00:49:51,600 --> 00:49:54,000
Speaker 3: is like a very expensive suburb in Australia to do that,

1060
00:49:54,239 --> 00:49:56,160
Speaker 3: like find ways in the middle, yeah, one hundred percent,

1061
00:49:56,200 --> 00:49:59,040
Speaker 3: and finding a consistent doctor. I think the other thing

1062
00:49:59,320 --> 00:50:02,879
Speaker 3: is analyzing the things that you is your cost per wear,

1063
00:50:02,920 --> 00:50:05,800
Speaker 3: so the things that you use every day. So for example,

1064
00:50:05,800 --> 00:50:08,080
Speaker 3: for me, I drink coffee every day, So my coffee

1065
00:50:08,120 --> 00:50:10,560
Speaker 3: machine is like seven hundred dollars, but I think I

1066
00:50:10,640 --> 00:50:13,600
Speaker 3: drink like two coffees a day every day. So it's

1067
00:50:13,800 --> 00:50:17,719
Speaker 3: paid it is paid off back and then so those

1068
00:50:17,760 --> 00:50:22,080
Speaker 3: things as well as like winter boots, sneakers, your jeans,

1069
00:50:22,400 --> 00:50:24,719
Speaker 3: kind of those items that you know do go through

1070
00:50:24,719 --> 00:50:26,880
Speaker 3: the cycle. I used to be when I was eighteen

1071
00:50:26,920 --> 00:50:29,440
Speaker 3: because I didn't know any better. I was such I

1072
00:50:29,480 --> 00:50:30,880
Speaker 3: didn't even know what fast fashion was.

1073
00:50:31,120 --> 00:50:33,319
Speaker 2: Yeah, well it wasn't a thing when we were young. No,

1074
00:50:33,440 --> 00:50:36,000
Speaker 2: it was, but it wasn't didn't have a label. No,

1075
00:50:36,320 --> 00:50:38,320
Speaker 2: it was like we had it, but we didn't realize

1076
00:50:38,480 --> 00:50:38,960
Speaker 2: what it was.

1077
00:50:39,160 --> 00:50:42,120
Speaker 3: Yeah, And like I think that is down to, you know,

1078
00:50:42,160 --> 00:50:44,319
Speaker 3: a little bit of ignorance and privilege that I just

1079
00:50:44,360 --> 00:50:47,000
Speaker 3: had no idea. But as like I've gotten older, like

1080
00:50:47,080 --> 00:50:51,360
Speaker 3: fast fashion and the landfill that comes from companies like

1081
00:50:51,480 --> 00:50:57,400
Speaker 3: Shean and Zara, yeah is really grim. But also the

1082
00:50:57,840 --> 00:51:00,200
Speaker 3: quality you get is going to fall apart with any

1083
00:51:00,360 --> 00:51:03,040
Speaker 3: which is why I would say, like these trend items

1084
00:51:03,560 --> 00:51:06,520
Speaker 3: that do tend to come from you know, fast fashion,

1085
00:51:07,320 --> 00:51:09,359
Speaker 3: think about whether you really want it and if you're

1086
00:51:09,360 --> 00:51:11,080
Speaker 3: gonna be wearing it in three is time. But if

1087
00:51:11,120 --> 00:51:12,799
Speaker 3: you are going to be wearing a three is time,

1088
00:51:12,880 --> 00:51:15,360
Speaker 3: is it gonna last? Like, is it gonna last in

1089
00:51:15,360 --> 00:51:15,759
Speaker 3: the wash?

1090
00:51:15,840 --> 00:51:20,799
Speaker 2: Well, it's the big thing of like you said, winter boots, jeans, sneakers. Yeah,

1091
00:51:20,840 --> 00:51:22,680
Speaker 2: the one that I've realized recently because I've said I'm

1092
00:51:22,680 --> 00:51:25,200
Speaker 2: going overseas. I will be overseas at the time this

1093
00:51:25,280 --> 00:51:27,359
Speaker 2: episode comes out. Is like a really good winter coat.

1094
00:51:27,440 --> 00:51:27,840
Speaker 3: Yeah.

1095
00:51:27,880 --> 00:51:31,839
Speaker 2: Every year, Yeah, yeah, I know. Every year I was like,

1096
00:51:31,960 --> 00:51:34,319
Speaker 2: I'm just gonna buy like another cheap winter coat and

1097
00:51:34,360 --> 00:51:36,000
Speaker 2: then it would get freezing. I mean I'm gonna and

1098
00:51:36,000 --> 00:51:39,120
Speaker 2: I was like, no, stop, let's actually think about this

1099
00:51:39,560 --> 00:51:41,839
Speaker 2: in a future sense, and let's save my future selves

1100
00:51:41,880 --> 00:51:43,640
Speaker 2: some money so that she doesn't have to replace this

1101
00:51:43,760 --> 00:51:44,920
Speaker 2: again next year. Yeah.

1102
00:51:44,960 --> 00:51:47,440
Speaker 3: I think as well, remembering that no one really cares

1103
00:51:47,480 --> 00:51:49,560
Speaker 3: about your outfit as much as you do is also

1104
00:51:49,560 --> 00:51:51,719
Speaker 3: really helpful. Yeah, like, no one's gonna be like, oh,

1105
00:51:51,840 --> 00:51:56,600
Speaker 3: Cindy Wall that four weeks ago to Sheryl's twenty seventh birthday,

1106
00:51:57,360 --> 00:51:59,319
Speaker 3: no one noticed that no one cares as much as

1107
00:51:59,360 --> 00:52:01,800
Speaker 3: we think they do. But to kind of like wrap

1108
00:52:01,880 --> 00:52:05,200
Speaker 3: up my very long winded edd of like this and

1109
00:52:05,239 --> 00:52:07,399
Speaker 3: that isn't that. I think the best thing you can

1110
00:52:07,400 --> 00:52:10,839
Speaker 3: invest your money on in your twenties is people and experiences,

1111
00:52:11,280 --> 00:52:14,000
Speaker 3: the people that you love spending time with and ways

1112
00:52:14,040 --> 00:52:15,920
Speaker 3: to spend time with them. And it never needs to

1113
00:52:15,960 --> 00:52:19,520
Speaker 3: be like, you know, thousand dollar flights to go traveling together,

1114
00:52:19,560 --> 00:52:21,640
Speaker 3: because realistically, not a lot of us kind of thought that,

1115
00:52:22,080 --> 00:52:26,120
Speaker 3: but it can be spending twenty dollars on a bottle

1116
00:52:26,160 --> 00:52:29,000
Speaker 3: of wine and going and watching the sunset together, and

1117
00:52:29,040 --> 00:52:33,759
Speaker 3: like those memories don't actually have a price tag on them, Like,

1118
00:52:33,760 --> 00:52:35,759
Speaker 3: there are so many moments that I think of with

1119
00:52:36,600 --> 00:52:38,480
Speaker 3: the friends that I have and the people that I

1120
00:52:38,520 --> 00:52:42,359
Speaker 3: love that I it was never you know, a lot

1121
00:52:42,360 --> 00:52:45,879
Speaker 3: of money, but those those moments and those memories are

1122
00:52:46,120 --> 00:52:49,480
Speaker 3: completely priceless to me. That I think as well, your twenties,

1123
00:52:49,520 --> 00:52:52,040
Speaker 3: you have a lot of freedom. As we get older,

1124
00:52:52,719 --> 00:52:56,880
Speaker 3: our responsibilities to you know, maybe partners or careers or

1125
00:52:57,000 --> 00:52:59,640
Speaker 3: potentially kids just get stronger, and we have a lot

1126
00:52:59,719 --> 00:53:01,640
Speaker 3: less time to make the memories that we want to

1127
00:53:01,680 --> 00:53:05,360
Speaker 3: make for ourselves. So like, your time is actually like

1128
00:53:05,480 --> 00:53:08,680
Speaker 3: the most valuable thing that you own. So like making

1129
00:53:08,680 --> 00:53:12,680
Speaker 3: sure that you spend that wisely is probably the best

1130
00:53:12,680 --> 00:53:14,760
Speaker 3: way to spend anything in your twenties.

1131
00:53:14,920 --> 00:53:16,560
Speaker 2: That is such priceless advice as well.

1132
00:53:17,200 --> 00:53:19,080
Speaker 3: She does have some little bits.

1133
00:53:19,280 --> 00:53:22,040
Speaker 2: I think it's so wisdom. And if you kind of

1134
00:53:22,040 --> 00:53:25,680
Speaker 2: find ways to understand your retail therapy habits, you're over

1135
00:53:25,680 --> 00:53:29,160
Speaker 2: spending habits, you are impulsive spending habits. You have that

1136
00:53:29,239 --> 00:53:32,440
Speaker 2: money to give to the things that are really important,

1137
00:53:32,760 --> 00:53:35,160
Speaker 2: like that item of clothing that piece of furniture that

1138
00:53:35,239 --> 00:53:38,239
Speaker 2: like impulse, whatever thing that you've bought, that's not going

1139
00:53:38,280 --> 00:53:41,319
Speaker 2: to outlive anything, any of the memories that you make

1140
00:53:41,719 --> 00:53:44,440
Speaker 2: right now. So I think that is a beautiful place

1141
00:53:44,520 --> 00:53:47,160
Speaker 2: to wrap things up. Thank you so much for coming

1142
00:53:47,160 --> 00:53:50,000
Speaker 2: on and thanks bringing your wisdom. It's actually given me

1143
00:53:50,080 --> 00:53:52,200
Speaker 2: quite a lot to think about in terms of how

1144
00:53:52,239 --> 00:53:54,560
Speaker 2: I manage my money. I actually don't have a budget,

1145
00:53:55,160 --> 00:53:57,520
Speaker 2: and it's a discussion I've been having with myself of like,

1146
00:53:57,640 --> 00:53:58,920
Speaker 2: let's get ahead of this now.

1147
00:53:58,960 --> 00:54:00,640
Speaker 3: It's hard because I feel like, as well, you do

1148
00:54:00,680 --> 00:54:02,240
Speaker 3: the budget and you realize.

1149
00:54:01,880 --> 00:54:03,080
Speaker 2: Like you, I don't want to know.

1150
00:54:03,200 --> 00:54:05,960
Speaker 3: You're like, yeah, oh my god, how much money we've

1151
00:54:06,000 --> 00:54:08,239
Speaker 3: been spending. And it's good you feel empowered.

1152
00:54:08,840 --> 00:54:09,560
Speaker 2: I'm terrified.

1153
00:54:09,600 --> 00:54:12,600
Speaker 3: I'm terrified to look by yourself a nice, nice bottle

1154
00:54:12,640 --> 00:54:16,600
Speaker 3: of wine. It will by nice, I mean the two

1155
00:54:16,680 --> 00:54:21,359
Speaker 3: for thirty dollars of squealing pig rose wine. That's my

1156
00:54:21,360 --> 00:54:22,440
Speaker 3: favorite bit of ice in it.

1157
00:54:22,520 --> 00:54:26,120
Speaker 2: Oh my god, Yeah it's too sweet.

1158
00:54:26,400 --> 00:54:30,359
Speaker 3: Yeah, I like because it's not cold enough. I need

1159
00:54:30,400 --> 00:54:34,000
Speaker 3: the ice in it really to really make sure it hits. Yeah.

1160
00:54:34,080 --> 00:54:36,279
Speaker 3: And also, whenever I spend like fifty dollars on a

1161
00:54:36,280 --> 00:54:38,520
Speaker 3: bottle of wine. I'm like, this tastes like shit.

1162
00:54:38,760 --> 00:54:40,080
Speaker 2: Oh my god, I did that the other day.

1163
00:54:40,520 --> 00:54:41,920
Speaker 3: It's not good, is it?

1164
00:54:41,920 --> 00:54:43,960
Speaker 2: I happened? We went out to like this French man

1165
00:54:44,520 --> 00:54:47,040
Speaker 2: my almost said his name, and my boyfriend went out

1166
00:54:47,040 --> 00:54:50,239
Speaker 2: to like this French pistro and the cheapest bottle of

1167
00:54:50,239 --> 00:54:51,839
Speaker 2: wine is sixty dollars and it was the worst thing

1168
00:54:51,880 --> 00:54:52,640
Speaker 2: I've ever tasted.

1169
00:54:52,640 --> 00:54:53,960
Speaker 3: I was like quilling pig all the way.

1170
00:54:54,080 --> 00:54:56,360
Speaker 2: I was like, I would rather have drunk like juice

1171
00:54:56,480 --> 00:55:00,319
Speaker 2: or like vinegar than drunk this. Yeah. Anyhow, we got

1172
00:55:00,360 --> 00:55:10,280
Speaker 2: on right now, why let's talk about good wine. No,

1173
00:55:10,280 --> 00:55:13,840
Speaker 2: no ship wine. Yeah, ship wine. But again, thank you

1174
00:55:13,880 --> 00:55:17,839
Speaker 2: for coming on. Our is one part of Two Broke Chicks.

1175
00:55:17,840 --> 00:55:19,840
Speaker 2: Sally Soul could not be with us today, but you

1176
00:55:19,880 --> 00:55:23,680
Speaker 2: should absolutely go and listen to their podcast and follow

1177
00:55:23,719 --> 00:55:28,520
Speaker 2: them wherever you would follow anybody. TikTok, Instagram, Twitter, No,

1178
00:55:28,680 --> 00:55:29,880
Speaker 2: don't do that. Facebook.

1179
00:55:30,080 --> 00:55:32,799
Speaker 3: Actually, I think people they get enough from us on

1180
00:55:32,800 --> 00:55:34,759
Speaker 3: their other platforms. I'm like, you know what, I'll give

1181
00:55:34,760 --> 00:55:35,600
Speaker 3: you one reprieve.

1182
00:55:36,040 --> 00:55:37,719
Speaker 2: Yes, you don't have to see us there.

1183
00:55:37,800 --> 00:55:40,200
Speaker 3: Yeah, I don't think the like forty year old men

1184
00:55:40,239 --> 00:55:42,040
Speaker 3: on they are very interested in what we have.

1185
00:55:42,000 --> 00:55:44,400
Speaker 2: To say either, I really don't want to get in.

1186
00:55:45,560 --> 00:55:47,680
Speaker 3: It was like majority man, I was like, yeah, pest.

1187
00:55:48,000 --> 00:55:49,800
Speaker 2: Yeah, just don't go in there. It's like a fucking

1188
00:55:50,360 --> 00:55:53,400
Speaker 2: just scarce me hell pit of just terrible opinions.

1189
00:55:53,520 --> 00:55:55,040
Speaker 3: Oh great, maybe I should join.

1190
00:55:55,320 --> 00:56:01,440
Speaker 2: Yeah you can add some anyhow, Yes, you did it again,

1191
00:56:02,160 --> 00:56:05,200
Speaker 2: Go and find out. I will make sure that all

1192
00:56:05,239 --> 00:56:07,280
Speaker 2: of her links and all of two Broke Cheecks links

1193
00:56:07,280 --> 00:56:10,000
Speaker 2: out in the description. And as always, if you enjoyed

1194
00:56:10,000 --> 00:56:12,520
Speaker 2: this episode, please feel for free to leave a five

1195
00:56:12,520 --> 00:56:16,240
Speaker 2: star review on Apple Podcasts, Spotify, iHeart. Wherever you are listening,

1196
00:56:16,600 --> 00:56:18,719
Speaker 2: make sure you are following along so that you get

1197
00:56:19,040 --> 00:56:22,640
Speaker 2: new episodes in your feed every day, every day. It's

1198
00:56:22,640 --> 00:56:26,320
Speaker 2: a big promise. Twice a week. Yeah, big changes in

1199
00:56:26,360 --> 00:56:28,000
Speaker 2: the new year, twice a week. And if you have

1200
00:56:28,040 --> 00:56:32,000
Speaker 2: an episode suggestion, as always my DMS my inbox is

1201
00:56:32,160 --> 00:56:35,239
Speaker 2: always open to ideas from you guys. So follow me

1202
00:56:35,320 --> 00:56:38,400
Speaker 2: at that psychology podcast or at gemmaspeg with the j

1203
00:56:38,920 --> 00:56:42,120
Speaker 2: to send me a message and have a lovely afternoon

1204
00:56:42,280 --> 00:56:43,239
Speaker 2: morning wherever you are