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Speaker 1: Hello.

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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the

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Speaker 2: Order Kerney Whalbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next generation coming through

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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 1: Hello, and welcome to She's on the Money, the podcast

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Speaker 1: for millennials who want financial freedom. My name is Becksied

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Speaker 1: and with me is Victoria Divine.

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Speaker 4: Hello. V.

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Speaker 1: We have a very interesting one today, Scarcity, mindset and investing.

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Speaker 4: Oh, it's a spicy topic. I tell, pray, tell oh

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Speaker 4: that sentence gives me the it does it give you

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Speaker 4: the hebes? It gives me the he begbis.

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Speaker 1: I'll take it out of rrotation.

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Speaker 4: Scarcity mindset is a spicy one today and it's funny

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Speaker 4: because I asked our producer and a Lisa. I was like, Hey,

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Speaker 4: can you just get some you know, more fun stats

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Speaker 4: and facts and stuff about this before we record? And

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Speaker 4: she's like, Victoria, I've googled this, like there's not a

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Speaker 4: link here, And I was like, Babe, there's a massive

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Speaker 4: link here. Scarcity mindset is often the reason people don't invest,

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Speaker 4: and we need to talk about it. So hopefully this

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Speaker 4: is maybe a good introduction to why scarcity mindset might

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Speaker 4: be holding you back a little bit. But Beck, have

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Speaker 4: you ever found yourself in a position where you're like

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Speaker 4: worried that if someone gets something you want then you

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Speaker 4: might not have it too, Yeah, like a pay rise

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Speaker 4: or like a promotional, like maybe even just like something random.

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Speaker 4: It is hard to admit, but I feel like if

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Speaker 4: someone in my circle or someone around me has the

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Speaker 4: opportunity to get something or just get something that I

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Speaker 4: kind of want, I feel like, what are the chances

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Speaker 4: of us both receiving that?

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Speaker 1: Do you know what I mean? Yeah?

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Speaker 4: Yeah, And I'm not surprised to hear that because I

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Speaker 4: know a little bit about your money story and I

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Speaker 4: feel like you lean a little bit more towards scarcity

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Speaker 4: rather than abundance, whereas abundance might be like, oh my god,

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Speaker 4: if my friend can achieve that and smash that out

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Speaker 4: of the park, this absolutely I can do that. Just

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Speaker 4: paved the way. What a great time, Like their candle

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Speaker 4: can light mine and we can both shine brighter. Is

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Speaker 4: more abundance mindset, where a scarcity is kind of like, oh,

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Speaker 4: if they're doing it, maybe I can't do it. And

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Speaker 4: I think that that can actually get in the way.

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Speaker 4: And I think a lot of people in our community

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Speaker 4: have this mindset. And a couple of weeks ago, we

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Speaker 4: actually talked about what a lot of money looked like

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Speaker 4: and I remember how you said, oh, I think it

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Speaker 4: was like thirty bucks. Yeah, whereas I said, if you

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Speaker 4: have five dollars or even one cent. Let's be honest nowadays,

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Speaker 4: but if you have five dollars, that's actually enough to

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Speaker 4: get started investing. These days and today, we are going

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Speaker 4: to be diving more into that and really focusing on

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Speaker 4: a scarcity and abundance mindset and how that impacts your

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Speaker 4: investment journey. And I think it's really really important and

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Speaker 4: I promise like we'll get to the point, but we're

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Speaker 4: going to be looking at the differences between scarcity and

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Speaker 4: abundance mindsets, and then after the break, I'm going to

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Speaker 4: teach you how to shift from the negative to the

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Speaker 4: positive and then how this actually affects your attitude towards investing,

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Speaker 4: because I promise it does. Often with scarcity mindset, you

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Speaker 4: just you don't want to put your money out there

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Speaker 4: like we've got them it might run out, like what

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Speaker 4: if I need that money later, Whereas a more abundant

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Speaker 4: mindset just TLD or if you don't want to listen

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Speaker 4: to the whole app This is basically it's summary, but

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Speaker 4: abundance mindset's more about like, oh, if I put my

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Speaker 4: money out there, more will come and I can create more.

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Speaker 4: And I think there's definitely negative connotations to scarcity mindset

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Speaker 4: that mean that we actually limit ourselves and we really

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Speaker 4: shouldn't be doing that, right, Okay, it's actually very company

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Speaker 4: to know that it is something that can be changed.

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Speaker 4: Then it could be changed, But to change something you

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Speaker 4: have to be able to identify it and come to

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Speaker 4: terms with what the reality of the circumstances are to

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Speaker 4: then move forward. But if we can't do that, often

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Speaker 4: we just stay stagnant and we don't change at all.

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Speaker 1: YEP. So I guess we'll start with going into the

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Speaker 1: nitty gritty details. What is scarcity mindset?

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Speaker 4: So scarcity mindset is basically the belief that life is

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Speaker 4: like a limited pie, so there's like only so much

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Speaker 4: of it to go around, and with only so much

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Speaker 4: money and so much success and good fortunes that if

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Speaker 4: you perceive somebody has a big piece of the pie,

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Speaker 4: you might think that it actually leaves less for you.

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Speaker 4: And this is what really limits what you think is

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Speaker 4: possible in your life. Okay, okay, I think I'm getting

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Speaker 4: a picture now and absolutely could not relate anymore. You know,

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Speaker 4: like Banjo's the Bakery and how they do that little

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Speaker 4: blueberry tart pie thing, That's what I thought of. Oh okay,

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Speaker 4: I thought they're unlimited. They make new ones every single day.

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Speaker 1: Oh, they're unlimited. They're not going to run out. You're

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Speaker 1: going to get a blueberry pie tomorrow. Can you break

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Speaker 1: this down a little bit more into specifics for us?

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Speaker 4: So basically, from my perspective, it is really important to

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Speaker 4: understand that scarcity mindset is basically pessimistic or negative thinking.

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Speaker 4: I've written a list back and basically a person with

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Speaker 4: a scarcity mindset frames things in you know the following

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Speaker 4: types of ways. So the first thing I've written down

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Speaker 4: is they consider the limitations of a situation by focusing

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Speaker 4: on the negatives. Second we've got they lead with more

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Speaker 4: of a victim mentality and blame things that are outside

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Speaker 4: their control, which adds to stress, worry, and in action.

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Speaker 4: They spend their mental energy on what's lacking in life

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Speaker 4: or not working instead of the positive. They might refuse

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Speaker 4: to collaborate or share with other people. They often and

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Speaker 4: this is a more negative list, but I think it's

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Speaker 4: important to read it out. And I know I said before, Beck,

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Speaker 4: I think you lean more towards this. I don't think

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Speaker 4: that you're super negative, but I do see asp of

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Speaker 4: scarcity mindset in the way that you approach money. And

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Speaker 4: that's why I've pointed it out because I don't want

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Speaker 4: people to think, oh, this big negative list is all

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Speaker 4: me that's awful and the world. It's not. You could

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Speaker 4: have a lot of scarcity mindset, or you could have

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Speaker 4: like a little teeny tiny bit of it that might

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Speaker 4: be that one thing that's holding you back. So it's

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Speaker 4: not a good or a bad thing. It's just something

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Speaker 4: that we can identify about ourselves to put ourselves in

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Speaker 4: a better position.

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Speaker 1: Ten out of ten?

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Speaker 4: Can I recommend The next one is they think small

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Speaker 4: and they often avoid risk. They often find it hard

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Speaker 4: to trust others and they default straight to suspicion. They

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Speaker 4: act as a taker and always expect more from others,

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Speaker 4: and they establish their sense of self worth by comparing

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Speaker 4: themselves to others, which we don't like doing in the

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Speaker 4: Sheese on the Money community. We're all in different journeys

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Speaker 4: and we don't compare our circumstances to that of others,

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Speaker 4: do we.

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Speaker 1: Bet No, that's exactly right. There's always someone out there

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Speaker 1: richer and poorer.

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Speaker 4: Yeah, But like also that Deed Devontees quote. I don't

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Speaker 4: know if you know where I'm going with this, but

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Speaker 4: like you could be the ripest, juiciest peach in the

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Speaker 4: entire world, but there are going to be people who

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Speaker 4: just don't like eat peaches. And I think that's fine,

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Speaker 4: very powerful. It's a good quote, right, very good quote.

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Speaker 4: It's like raist, juiciest. I'm like, yeah, that quote is good,

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Speaker 4: but it's true, Like you could be the best of

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Speaker 4: the best of everything, and people like, yeah, just don't

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Speaker 4: like peaches. So thanks, though, You're like.

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Speaker 1: But it's the best peach.

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Speaker 4: Yeah, like, have you seen this? It is literally perfect?

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Speaker 4: And they go, yeah, still don't like peaches? Thanks, So babe,

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Speaker 4: can't relate, can't relate. There is truly nothing better I

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Speaker 4: can peach in summer, but moving on.

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Speaker 1: Can relate to being the ripest and juiciest and perfect

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Speaker 1: oh good, But I can't relate to being a peek

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Speaker 1: liking peaches, No neither, now, V Why do people develop

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Speaker 1: this mindset and how can it control us and impact

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Speaker 1: us long term?

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Speaker 4: That's a very good question when I asked you to

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Speaker 4: ask me, so that makes sense that he's come up

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Speaker 4: at about now. But scarcity mindset or scarcity mentality isn't

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Speaker 4: actually a personality trait. It's a learned behavior. It's a

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Speaker 4: learned outcome from the way that you grew up. Scarcity

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Speaker 4: mindset isn't something that you do on purpose, like people

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Speaker 4: just don't do it on purpose. And I've spoken about

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Speaker 4: this before on the podcast, and it's often around identifying

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Speaker 4: it in other people and maybe not actually viewing it

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Speaker 4: with the kindness that you need to. So when it

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Speaker 4: comes to people's money stories, and the example that I'll

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Speaker 4: go back to is brunch, right, So Beck, let's say

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Speaker 4: you go out for brunch with a girlfriend and you

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Speaker 4: just go, oh my god, I'm going out for brunch

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Speaker 4: with this friend. I love it far out just a

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Speaker 4: bit of a stinge. Whenever we go to brunch, she

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Speaker 4: literally eats before we go. And she's a doctor now

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Speaker 4: she can afford it. Like that pisces me off. Because

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Speaker 4: she's a doctor, she can afford brunch, and every time

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Speaker 4: we go, I eat in front of her. She just

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Speaker 4: saw it as a coffee. Sometimes she gets a croissant,

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Speaker 4: but like she never gets the full you know, big

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Speaker 4: Sunday breakfast. Yeah, and you're looking at that from your

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Speaker 4: perspective and maybe not considering her money story. Yeah, she

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Speaker 4: might be a doctor that has a really good income now,

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Speaker 4: and you're right, she absolutely could probably afford brunch if

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Speaker 4: it was in line with her values. But what you're

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Speaker 4: not considering is maybe she grew up her money was super,

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Speaker 4: super scarce, Like talking about grocery items gave her anxiety

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Speaker 4: as a kid because she always wanted the roll ups,

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Speaker 4: but mom and dad always said, no, it can't afford it.

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Speaker 4: We are absolutely not getting those. It's not an option.

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Speaker 4: So money has always been something that makes her really anxious,

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Speaker 4: so going out to brunch, she can only justify getting

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Speaker 4: her coffee because it's actually part of her money story

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Speaker 4: that she's always been told No, we don't do that,

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Speaker 4: No we don't eat out, No we don't do this.

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Speaker 4: And your friend loves you so much that she wants

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Speaker 4: to go out for coffee with you. She really wants

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Speaker 4: to go out for brunch. She accepted your invitation with

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Speaker 4: her whole heart because she was so excited to see you.

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Speaker 4: But then on the flip side, you're judging the way

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Speaker 4: she spends her money because you have no idea about

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Speaker 4: her money story because it's money, your flipping business. No,

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Speaker 4: but that scarcity mindset in that circumstance is absolutely fine

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Speaker 4: because you know she's living within her value. And to

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Speaker 4: be honest, kudos to her for being able to say

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Speaker 4: knowing that circumstance, because I know when I was at Union,

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Speaker 4: didn't have heaps cash and someone invited me out for brunch,

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Speaker 4: I'd be like, oh, yeah, I'll get something too, even

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Speaker 4: if I didn't want to spend the money. So like,

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Speaker 4: that is quite a strong willed thing to do, mad respect,

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Speaker 4: But that scarcity mindset might limit her in a number

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Speaker 4: of other areas of her life. So for example, we

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Speaker 4: just you know, this is very stereotypical, but I think

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Speaker 4: it drives home the point she's a doctor. Now we're

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Speaker 4: assuming she's making good money, but she might save every

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Speaker 4: single dollar that she has. She might not have bought

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Speaker 4: a home yet, even if it's something that she's been

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Speaker 4: really working towards and really wants to do, and that's

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Speaker 4: her dream, because parting with that money gives her mad anxiety,

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Speaker 4: she just can't do it. Maybe she really wants to

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Speaker 4: invest for her future because she wants to be a

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Speaker 4: single lady for life, got no interest in a partner.

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Speaker 4: But her income isn't enough to create the life she wants,

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Speaker 4: so she needs to invest, but she just can't because

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Speaker 4: she doesn't want to put her money into an investment

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Speaker 4: account because for her, that means that she feels like

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Speaker 4: she loses a bit of sense of control. Compare that

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Speaker 4: to somebody who grew up in a situation where money

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Speaker 4: wasn't scarce, It wasn't something that you know, triggered anxiety.

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Speaker 4: Was kind of flippant, right, like mom and dad gave

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Speaker 4: you some money, or your guardians made sure that you

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Speaker 4: always cared for money wasn't ever an issue. And you're

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Speaker 4: both at school, you're both learning the same stuff, you're

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Speaker 4: both you know, out brunch, and you might both be

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Speaker 4: talking about she's on the money, and you might both say, yeah,

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Speaker 4: I really want to invest. But if you never grew

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Speaker 4: up with a scarcity mindset, you are far more likely

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Speaker 4: to be like, yeah, fire out, why haven't I done that?

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Speaker 4: I might just chuck fifty bucks in Charesi's and actually

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Speaker 4: just start my journey today. What am I waiting for?

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Speaker 4: This is so good? Whereas the person who has the

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Speaker 4: scarcity mindset is more likely to mena about that. They

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Speaker 4: might get a bit of what you've been calling it

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Speaker 4: analysis paralysis, looking at every single platform to make sure

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Speaker 4: that they're in one thousand percent control because they're just

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Speaker 4: not sure what step to take next, and then they

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Speaker 4: just don't want to do it yet because fifty bucks

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Speaker 4: is actually a lot of money, and what if I

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Speaker 4: need that soon? And what if I actually invest that

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Speaker 4: and it doesn't go so well? And I'm really anxious

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Speaker 4: because scarcity mindset is ruling my life, and that negative

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Speaker 4: money story growing up is now impacting the way that

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Speaker 4: I'm interacting with money today, and it's actually going to

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Speaker 4: limit the outcomes we can create. That's often why we

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Speaker 4: talk about cycles of debt and cycles of poverty continuing

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Speaker 4: and replicating themselves, because even if we give people education,

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Speaker 4: sometimes they don't want to take that next step. Does

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Speaker 4: that make sense?

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Speaker 1: Yeah, that makes so much sense. And I'm starting to

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Speaker 1: realize that I am more of a scarcity mindset kind

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Speaker 1: of person.

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Speaker 4: And it's not bad. It's good to know where you

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Speaker 4: stand because it's something that we can work through to

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Speaker 4: get to the outcome. We know that not everybody starts

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Speaker 4: at the exact same start line. If you have a

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Speaker 4: bit of a scarcity mindset, you might be even further

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Speaker 4: behind the start line. And just to get to the

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Speaker 4: start line is a hustle in itself. And I think

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Speaker 4: that so many people think that the answer is just

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Speaker 4: financial literacy. And here's another podcast on in and here's

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Speaker 4: how to do it. And you know what, I wrote

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Speaker 4: this book of the ab CD and EF step for

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Speaker 4: you to actually invest like I have actually given you guys,

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Speaker 4: step by step instructions on how to invest. Here's how

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Speaker 4: to review a platform, He's how to integrate it into

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Speaker 4: your budget. Here's how it looks over time. This is

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Speaker 4: what compound interest does. You actually have that knowledge. But

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Speaker 4: maybe that next step that you're not taking is due

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Speaker 4: to scarcity mindset. And if we don't address that, you're

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Speaker 4: not going to take that step because that step makes

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Speaker 4: you feel sick. That step gives you anxiety. And the

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Speaker 4: second we have anxiety about something, warning lights go off

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Speaker 4: and we go this must not be the right thing

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Speaker 4: to do. I know everyone's saying it's good, but I

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Speaker 4: feel disgusting about this. I feel anxious. I feel really unsure.

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Speaker 4: Maybe I shouldn't be doing this. You're right, Maybe I'll

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Speaker 4: just put it to the side and look at it

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Speaker 4: next year.

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Speaker 1: Yeah, you look at it next year.

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Speaker 4: You're anxious again. Yeah, but we're not addressing the underlying

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Speaker 4: idea of where this mindset or where this approach has

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Speaker 4: come from. Right, And I think that to do that

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Speaker 4: is really important.

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Speaker 2: Yeah.

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Speaker 1: Absolutely, This hypothetical story about my doctor friend really has feeling.

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Speaker 1: I think that I'm attached to this person. I don't

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Speaker 1: know who this person is. What should we name it?

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Speaker 4: I don't know. Emily is a good name, but it's caller. No, okay,

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Speaker 4: we call it Emily. We'll call it Emily, Emily, I'm here.

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Speaker 1: Emily sounds like a doctor. Emily sounds like a doctor.

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Speaker 1: It's a very doctorish name, you reckon. I want Emily

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Speaker 1: to learn how to be more of an abundance mindset

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Speaker 1: sort of person. So tell me what is abundance mindset.

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Speaker 1: I'm guessing this is like optimistic thinking.

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Speaker 4: Yeah, absolutely it is. And I don't want to say

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Speaker 4: being more positive because that sucks, Like I hate when

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Speaker 4: people like, just be more positive about you, like I'm

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Speaker 4: actually I'm going to hear you, because that's not just

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Speaker 4: an option. But people who look at the world from

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Speaker 4: an abundance mindset know that there are more than enough

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Speaker 4: opportunities to go around for everybody out there, and that

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Speaker 4: one person's success does not come at the detriment of

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Speaker 4: somebody else's. And often you see this at school where

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Speaker 4: you know young kids like I remember because I had

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Speaker 4: a bit of a scarcity mindset, and I still do

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Speaker 4: and I still work towards being more abundance mindset. And

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Speaker 4: that's why I talk about it so often, because I

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Speaker 4: need to convince myself regularly that this is where I

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Speaker 4: want to be, not where I actually am. But I

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Speaker 4: remember being like, oh my friend's got an a on

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Speaker 4: that assignment, and I got to be yeah, I'm never

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Speaker 4: gonna get there, Like, you know, she's got all of

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Speaker 4: this succept. It had nothing to do with that. I

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Speaker 4: was comparing myself to somebody else for what outcome to

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Speaker 4: just feel shit about myself. Yeah, great idea of Victoria.

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Speaker 4: That's really good. But essentially, instead of hurrying through their decisions,

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Speaker 4: they make really deliberate, careful choices that are aligned with

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Speaker 4: their values and the life that they want to create.

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Speaker 4: And if there's enough for everybody, then there's no need

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Speaker 4: to compare. There's no need to compete because your success

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Speaker 4: not at the detriment of mine, and vice versa. It's

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Speaker 4: kind of like this quote that I am obsessed with

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Speaker 4: a rising tide lifts all ships, and I think like

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Speaker 4: that she's on the money with a rising tide all

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Speaker 4: the ships. That's you guys, Like, the more we can create,

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Speaker 4: the more content that is out there, the more our

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Speaker 4: tide rises, the more you guys rise, and it's not

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Speaker 4: the detriment of somebody else. Yeah, there might be a

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Speaker 4: new little boat that's just come to the marina and

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Speaker 4: they've never actually been on the ocean before. Like they're

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Speaker 4: not on the tide. They don't know what they're up to.

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Speaker 1: But that's okay.

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Speaker 4: You can come along. We've got all this content that

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Speaker 4: you can consume and get up to speed with everybody else.

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Speaker 4: But we're rising and we're doing it together, and I

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Speaker 4: think that that's the most important thing there, Like you

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Speaker 4: do not have to push someone down for you to

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Speaker 4: rise up. And I think that that's where you know,

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Speaker 4: when I did that recap of like things that are

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Speaker 4: in and out for twenty twenty three, and I say

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Speaker 4: girl boss culture, like that to me was out because

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Speaker 4: that often aligns to I do well and everybody else

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Speaker 4: doesn't do well, and I will step on people to

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Speaker 4: get where I need to go, and that makes me sick.

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Speaker 4: We don't do that, no, but you can literally get

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Speaker 4: where you want to go without snatching a piece of

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Speaker 4: pie from somebody else.

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Speaker 1: Wow, it's actually very good to know. Yeah, it's a

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Speaker 1: fantastic analogy as well, rising with the tides for everyone.

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Speaker 1: That's really cute. I really like that. So what are

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Speaker 1: some personality traits that are associated with abundance mindset?

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Speaker 4: So someone with an abundance mindset? Firstly, I've written down

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Speaker 4: a list again, so strip yourselves in So firstly, they

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Speaker 4: consider the opportunities in a situation by focusing on the

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Speaker 4: areas of growth and improvement. They lead with control by

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Speaker 4: taking responsibility, which inspires them to act with confidence and clarity.

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Speaker 4: They spend their mental energy on new possibilities by being

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Speaker 4: flexible and adaptable to their circumstances, so they can see

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Speaker 4: opportunities where some people don't see any. They think about

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Speaker 4: the challenges and growth ahead, and that actually makes them

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Speaker 4: feel really empowered and engaged. Their positive attitude inspires and

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Speaker 4: energizes others to perform well. They collaborate well with others

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Speaker 4: by sharing knowledge and success, which is kind of like

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Speaker 4: the rising tide lifts aul ships. It's kind of like

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Speaker 4: do you remember at school when people be like, oh,

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Speaker 4: can I see your notes? Like literary?

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Speaker 1: Is that kid?

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Speaker 4: Yeah, But that's abundance mindset. If that person says yeah,

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Speaker 4: no worries because from my perspective, and I was that

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Speaker 4: person that I would literally and at UNI, I actually

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Speaker 4: made money from doing this. I used to sell copies

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Speaker 4: of my notes that I took in lectures because lots

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Speaker 4: of people wouldn't go and I was just super free

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Speaker 4: and I would go to every single lecture and I

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Speaker 4: would actually get mad anxiety if I didn't go. So

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Speaker 4: I took these beautiful handwritten notes, and after the lecture,

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Speaker 4: I would go to the library and scanning was free.

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Speaker 4: Printing wasn't. Scanning was free, and I'd scan it and

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Speaker 4: put it in my emails and people would pay me

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Speaker 4: like ten bucks per sheet of notes.

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Speaker 1: Yeah.

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Speaker 4: Right, But I was under the assumption and this is

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Speaker 4: maybe negative. I don't know who knows where we're going

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Speaker 4: with this, but I was like, I can give you

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Speaker 4: my notes, I can literally hand it to you on

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Speaker 4: a silver platter, But if you don't read them, and

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Speaker 4: you don't put the work in the time and the

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Speaker 4: energy and the effort in that I have, you're definitely

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Speaker 4: not going to be successful, even if you've paid for

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Speaker 4: this copy of notes.

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Speaker 1: Right, so you were you didn't feel threatened that if

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Speaker 1: they will be I.

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Speaker 4: Will give you absolutely everything you need to be successful,

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Speaker 4: but at the end of the day, that success is

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Speaker 4: up to you and whether you're going to put the

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Speaker 4: energy in, because like, if I hand you these beautiful

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Speaker 4: notes that I wrote, which by the way, because I

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Speaker 4: knew I was selling them, I like fully ruled the

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Speaker 4: page with like the red line you know what I'm

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Speaker 4: talking about stunning. Also would highlight things and i'd scan

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Speaker 4: it in color because obviously right business now exactly, I'm

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Speaker 4: a business lady, have been from the beginning. But I

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Speaker 4: was literally like, well, what's the use in you know,

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Speaker 4: hiding my notes and being like, oh my god, no,

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Speaker 4: if you didn't take notes in that lecture, baby, you

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Speaker 4: already didn't go to the lecture, You're already behind. You're

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Speaker 4: already going to have to do the work. And if

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Speaker 4: you just think that having the notes and paying for

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Speaker 4: them is going to put your head, it's not.

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Speaker 1: Yeah, it was already they're available for them.

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Speaker 4: Yeah, yeah, go for it. But anyway, so I think

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Speaker 4: that that's where my abundance mindset started. I feel like

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Speaker 4: I mixed between the two. Like some things I'm a

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Speaker 4: bit scarce to be mindset about, some things I'm a

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Speaker 4: bit abundance mindset about. So it's not one silo or

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Speaker 4: the other. And I think that's important to point out.

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Speaker 4: So you're not just an abundant person or you're not

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Speaker 4: just as scared city person. You could be abundant in

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Speaker 4: every other aspect of your life, like I was when

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Speaker 4: it came to notes, but when it came to money,

433
00:20:07,200 --> 00:20:10,159
Speaker 4: I was really scarce. Does that make sense? So it

434
00:20:10,200 --> 00:20:12,760
Speaker 4: could be a relationship as well, Like you could have

435
00:20:12,920 --> 00:20:15,679
Speaker 4: abundance in every other aspect of your life but have

436
00:20:15,760 --> 00:20:18,639
Speaker 4: some type of relationship trauma. Therefore, you've got, you know,

437
00:20:18,840 --> 00:20:22,280
Speaker 4: a scarcity mindset when it comes to creating personal relationships.

438
00:20:22,680 --> 00:20:25,760
Speaker 4: So it's not just money, it's not just one aspect

439
00:20:25,800 --> 00:20:27,800
Speaker 4: of your life. It can kind of cut and pacet

440
00:20:27,880 --> 00:20:30,480
Speaker 4: different areas around. Does that make sense, Yeah, that does

441
00:20:30,520 --> 00:20:32,760
Speaker 4: make sense. So the last thing before you ask another

442
00:20:32,840 --> 00:20:36,280
Speaker 4: question I do apologize is people with an abundant mindset

443
00:20:36,359 --> 00:20:39,600
Speaker 4: they often think big and like to embrace risk, which

444
00:20:39,640 --> 00:20:42,359
Speaker 4: I think is important because risk is a really big

445
00:20:42,400 --> 00:20:45,560
Speaker 4: part of investing. Not only do you have to understand risk,

446
00:20:45,760 --> 00:20:48,000
Speaker 4: but you have to be willing to take some level

447
00:20:48,000 --> 00:20:51,080
Speaker 4: of risk to get some level of return. And obviously

448
00:20:51,359 --> 00:20:54,720
Speaker 4: there's this risk return trade off. The more risk you take,

449
00:20:54,800 --> 00:20:58,240
Speaker 4: the more likely return you could anticipate. And that's why

450
00:20:58,280 --> 00:21:01,320
Speaker 4: if you've got like a term deposit, there's less risk involved,

451
00:21:01,480 --> 00:21:04,000
Speaker 4: and that's why the percentage rate that you're going to

452
00:21:04,040 --> 00:21:07,240
Speaker 4: get back is less, whereas if you invest in Australian

453
00:21:07,280 --> 00:21:09,680
Speaker 4: shares that's a bit more risky, and then international shares

454
00:21:09,720 --> 00:21:12,359
Speaker 4: that's a bit more risky. Again because the more risk

455
00:21:12,440 --> 00:21:15,159
Speaker 4: you take, the more likely return you get. But someone

456
00:21:15,160 --> 00:21:18,880
Speaker 4: who has abundance mindset fully comprehends that, whereas somebody who

457
00:21:18,920 --> 00:21:21,879
Speaker 4: has more of a scarcity mindset sees that risk return

458
00:21:21,960 --> 00:21:24,600
Speaker 4: trade off and goes, ah, heck, no, any level of

459
00:21:24,680 --> 00:21:28,119
Speaker 4: risk is giving me anxiety. Any level of risk is unacceptable.

460
00:21:28,440 --> 00:21:31,480
Speaker 4: And that's often because they don't fully comprehend what that

461
00:21:31,600 --> 00:21:33,840
Speaker 4: risk means. They go, oh, I could lose all my money.

462
00:21:34,080 --> 00:21:36,480
Speaker 4: It's like when you talk to people about the share market,

463
00:21:36,840 --> 00:21:39,080
Speaker 4: and it's so interesting because obviously I worked as a

464
00:21:39,119 --> 00:21:42,120
Speaker 4: financial advisor for years, and I would talk to people

465
00:21:42,160 --> 00:21:44,320
Speaker 4: and be like, yeah, like I work with my clients

466
00:21:44,359 --> 00:21:46,679
Speaker 4: and you know, I create share portfolios and I manage

467
00:21:46,720 --> 00:21:49,119
Speaker 4: their money. And they're like, what you just invested? What

468
00:21:49,200 --> 00:21:51,840
Speaker 4: if you lost all your clients' money? And I'm like, oh, well,

469
00:21:51,920 --> 00:21:53,800
Speaker 4: you know, the way I invest is actually for the

470
00:21:53,840 --> 00:21:55,840
Speaker 4: long term. And if you look at the share market

471
00:21:55,920 --> 00:21:58,639
Speaker 4: over a thirty year period of time, like losing money

472
00:21:58,680 --> 00:22:01,480
Speaker 4: is actually you know, that hasn't happened over that frame

473
00:22:01,520 --> 00:22:03,880
Speaker 4: of time. And you know, the clients I work with,

474
00:22:04,280 --> 00:22:06,800
Speaker 4: you know, understand that we don't actually invest for a

475
00:22:06,800 --> 00:22:09,520
Speaker 4: short period of time, and we understand the economics of

476
00:22:09,600 --> 00:22:12,399
Speaker 4: the market. And if the market goes down, like I

477
00:22:12,480 --> 00:22:15,240
Speaker 4: have educated my clients in a way where they know,

478
00:22:15,320 --> 00:22:17,960
Speaker 4: if the market's down shares are on sale, like maybe

479
00:22:18,000 --> 00:22:20,439
Speaker 4: we could pick up some more, it's not time to sell.

480
00:22:20,720 --> 00:22:23,800
Speaker 4: Whereas people who have more of a scarcity mindset might

481
00:22:23,880 --> 00:22:26,400
Speaker 4: convince themselves to invest and go, oh, this is great,

482
00:22:26,440 --> 00:22:28,320
Speaker 4: no worries, Like I've taken the next step. I'm so

483
00:22:28,359 --> 00:22:31,080
Speaker 4: proud of myself. And then the market shifts itself back

484
00:22:31,480 --> 00:22:34,480
Speaker 4: and they shit themselves and go, oh my god, my

485
00:22:34,880 --> 00:22:37,640
Speaker 4: share portfolio is down. Oh, I better sell it all

486
00:22:37,760 --> 00:22:40,280
Speaker 4: because I don't want to be left with nothing. And

487
00:22:40,320 --> 00:22:42,159
Speaker 4: what they don't realize is, you know, they might have

488
00:22:42,200 --> 00:22:45,360
Speaker 4: gone and bought ten shares, and those ten shares might

489
00:22:45,400 --> 00:22:47,920
Speaker 4: have been worth a dollar each at the time of purchase,

490
00:22:47,960 --> 00:22:50,479
Speaker 4: so it was worth ten dollars in total. Their shareport

491
00:22:50,560 --> 00:22:53,640
Speaker 4: volume might now be valued at five dollars, but they

492
00:22:53,680 --> 00:22:56,159
Speaker 4: still have those ten shares. And if they rode the

493
00:22:56,280 --> 00:23:00,320
Speaker 4: roller coaster and waited and didn't buy into this mentality

494
00:23:00,359 --> 00:23:04,000
Speaker 4: of fear and anxiety that would ride the roller coaster

495
00:23:04,040 --> 00:23:06,359
Speaker 4: back up. Those ten shares might be worth ten dollars again,

496
00:23:06,359 --> 00:23:08,200
Speaker 4: and then it might be worth fifteen dollars. In thirty

497
00:23:08,240 --> 00:23:11,640
Speaker 4: years from now, it's probably worth twenty or thirty dollars. However,

498
00:23:11,720 --> 00:23:15,280
Speaker 4: if you sold your ten shares for five dollars when

499
00:23:15,280 --> 00:23:17,879
Speaker 4: the market's down and you wait for the market to

500
00:23:17,960 --> 00:23:20,800
Speaker 4: re recover, you then have to spend double what you

501
00:23:20,960 --> 00:23:23,840
Speaker 4: got your shares out for to buy back ten shares

502
00:23:23,840 --> 00:23:26,639
Speaker 4: at ten dollars again, and it puts you in a

503
00:23:26,640 --> 00:23:30,080
Speaker 4: position where you're actually shooting yourself in the foot. And

504
00:23:30,119 --> 00:23:32,160
Speaker 4: we saw it a lot over the last two years

505
00:23:32,200 --> 00:23:35,840
Speaker 4: because obviously COVID has thrown us in an absolute spin

506
00:23:35,960 --> 00:23:38,720
Speaker 4: when it comes to the market in general. We saw

507
00:23:38,720 --> 00:23:41,119
Speaker 4: a lot of people posting our community or message me.

508
00:23:41,480 --> 00:23:43,840
Speaker 4: But over the last two or three years, while COVID

509
00:23:43,880 --> 00:23:47,280
Speaker 4: has been happening, two micro investing platforms that are really

510
00:23:47,320 --> 00:23:51,400
Speaker 4: popular in our community Arrays and Spaceship, and people would

511
00:23:51,440 --> 00:23:54,160
Speaker 4: get on them with not enough education about the market

512
00:23:54,200 --> 00:23:57,200
Speaker 4: because they were easily accessible, and then the market would

513
00:23:57,240 --> 00:23:58,959
Speaker 4: drop and they be like, oh, my Spaceship's doing so

514
00:23:59,080 --> 00:24:01,280
Speaker 4: badly so I just so all out and I'm out,

515
00:24:01,359 --> 00:24:04,240
Speaker 4: it's so silly, like investing is not worth it, Like

516
00:24:04,440 --> 00:24:07,000
Speaker 4: I can't believe that these people talk positively about it.

517
00:24:07,040 --> 00:24:08,920
Speaker 4: I lost thirty bucks, and you would ask a follow

518
00:24:08,960 --> 00:24:10,320
Speaker 4: up question and be like, oh, how long were you

519
00:24:10,359 --> 00:24:12,880
Speaker 4: invested for? Oh, six months? And you'd be like yeah,

520
00:24:12,920 --> 00:24:15,560
Speaker 4: Like you're meant to invest over the long period. You're

521
00:24:15,560 --> 00:24:18,760
Speaker 4: meant to invest in things that you understand. And I

522
00:24:18,760 --> 00:24:21,040
Speaker 4: think one of the things that is really important when

523
00:24:21,080 --> 00:24:23,560
Speaker 4: it comes to investing is one understand the long term

524
00:24:23,800 --> 00:24:26,919
Speaker 4: scarcity mindset, understanding whether that's going to shoot you in

525
00:24:26,920 --> 00:24:30,320
Speaker 4: the foot when something does happen, but also understanding what

526
00:24:30,359 --> 00:24:32,639
Speaker 4: you're investing in. And often if you're choosing just a

527
00:24:32,640 --> 00:24:36,879
Speaker 4: microinvesting platform, you just accept the terms and conditions that

528
00:24:36,920 --> 00:24:39,720
Speaker 4: they have and the portfolio that they've put together without

529
00:24:39,720 --> 00:24:43,520
Speaker 4: comprehending it, Whereas often I find that people who go

530
00:24:43,560 --> 00:24:45,800
Speaker 4: to different platforms, like they might go to Chares's and

531
00:24:45,800 --> 00:24:48,840
Speaker 4: they've picked a specific ETF because it aligns with their values,

532
00:24:48,840 --> 00:24:51,560
Speaker 4: and they've picked a few direct shares that align with

533
00:24:51,640 --> 00:24:55,080
Speaker 4: their values, They're less likely to sell out of that

534
00:24:55,200 --> 00:24:57,919
Speaker 4: because they feel really committed to that cause whether the

535
00:24:57,960 --> 00:25:00,240
Speaker 4: market is up or down. Whereas if you don't don't

536
00:25:00,280 --> 00:25:03,119
Speaker 4: fully comprehend what is going on in a portfolio and

537
00:25:03,160 --> 00:25:05,440
Speaker 4: just download it because you saw somebody else was using it,

538
00:25:05,760 --> 00:25:07,760
Speaker 4: that's where you're more likely to find yourself in a

539
00:25:07,760 --> 00:25:09,480
Speaker 4: bit of a pickle or feeling like you just want

540
00:25:09,480 --> 00:25:11,960
Speaker 4: to get out because you feel like you've lost your money.

541
00:25:11,960 --> 00:25:12,760
Speaker 4: Does that make sense?

542
00:25:12,880 --> 00:25:22,320
Speaker 1: Yes, absolutely makes sense. Scare dear cats really bad? But no, okay,

543
00:25:22,400 --> 00:25:25,120
Speaker 1: it's quite clear that I need to absorb all this

544
00:25:25,920 --> 00:25:28,440
Speaker 1: break because it was a terrible joke. I needed to

545
00:25:28,520 --> 00:25:31,200
Speaker 1: have a nap, have a nap, have a kit cat?

546
00:25:31,560 --> 00:25:33,399
Speaker 4: Is that that? That's not even Let's have a break.

547
00:25:33,400 --> 00:25:34,240
Speaker 4: I am a kick cat.

548
00:25:34,359 --> 00:25:36,320
Speaker 1: So happy that you made a bad joke right after

549
00:25:36,359 --> 00:25:37,000
Speaker 1: my bad joke.

550
00:25:37,200 --> 00:25:38,040
Speaker 4: That was a good joke.

551
00:25:38,240 --> 00:25:41,119
Speaker 1: I don't know, No, that's true. Don't find me all right,

552
00:25:41,200 --> 00:25:42,760
Speaker 1: Let's take a break. We'll be back soon.

553
00:25:47,720 --> 00:25:48,760
Speaker 4: This's just delicious.

554
00:25:49,040 --> 00:25:52,000
Speaker 1: Oh my god, feet, I'm so glad we literally had

555
00:25:52,040 --> 00:25:54,159
Speaker 1: a break and had a kit cat. We did? I

556
00:25:54,280 --> 00:25:55,879
Speaker 1: treat you right, You're so good to me.

557
00:25:56,000 --> 00:25:59,680
Speaker 4: I should have known the tagline because the tagline it's

558
00:25:59,720 --> 00:26:03,040
Speaker 4: literally on the packet. I had what did I say,

559
00:26:03,119 --> 00:26:04,480
Speaker 4: have a nap, have a kickcap.

560
00:26:04,960 --> 00:26:05,879
Speaker 1: It's close enough.

561
00:26:06,040 --> 00:26:08,399
Speaker 4: It's actually better. I don't want to have a break.

562
00:26:08,480 --> 00:26:09,359
Speaker 4: I want to have a nap.

563
00:26:09,480 --> 00:26:12,919
Speaker 1: A nap exactly right. Who's benefiting from a break? No,

564
00:26:13,040 --> 00:26:15,440
Speaker 1: anybody have a nap goes straight break.

565
00:26:15,640 --> 00:26:18,439
Speaker 4: A break reminds me of those fifteen minute breaks I

566
00:26:18,480 --> 00:26:21,080
Speaker 4: got when I was in retail, and I wasn't ever

567
00:26:21,160 --> 00:26:23,120
Speaker 4: sure what to do with them, because it's not long

568
00:26:23,200 --> 00:26:25,040
Speaker 4: enough to pop out and get lunch, because by the

569
00:26:25,040 --> 00:26:27,600
Speaker 4: time you got back your break was over. But it

570
00:26:27,640 --> 00:26:30,199
Speaker 4: also was too long to just like stand out the

571
00:26:30,200 --> 00:26:32,960
Speaker 4: back and twiddle your thumbs. You know, absolutely, when you

572
00:26:33,000 --> 00:26:35,159
Speaker 4: say break, I'm like, I don't want to break the

573
00:26:35,240 --> 00:26:38,879
Speaker 4: worst fifteen minutes unpaid too. You're just going to make

574
00:26:38,880 --> 00:26:41,280
Speaker 4: me stand out the back of fifteen minutes. Can't I

575
00:26:41,280 --> 00:26:43,560
Speaker 4: add my fifteen minutes to my half an hour lunch

576
00:26:43,600 --> 00:26:45,439
Speaker 4: break and then have a good day. No, they never

577
00:26:45,560 --> 00:26:46,520
Speaker 4: let me do that anyway.

578
00:26:46,560 --> 00:26:48,880
Speaker 1: Moving on, so very clever though. Now being the break,

579
00:26:48,920 --> 00:26:51,359
Speaker 1: I was thinking about how I'd like to adopt an

580
00:26:51,359 --> 00:26:52,480
Speaker 1: abundance mindset.

581
00:26:52,800 --> 00:26:56,080
Speaker 4: It's good to know that it is possible. Absolutely, it's possible.

582
00:26:56,119 --> 00:26:58,280
Speaker 4: We can do anything we set our minds too.

583
00:26:58,320 --> 00:27:00,520
Speaker 1: B Oh my god, that's amazing. Well, let's have a

584
00:27:00,560 --> 00:27:03,200
Speaker 1: think about it, just in the investment world. How can

585
00:27:03,240 --> 00:27:06,760
Speaker 1: we change our scarcity mindset to more of an abundance mindset.

586
00:27:06,760 --> 00:27:10,000
Speaker 4: I think that's actually a really important delineation because, as

587
00:27:10,040 --> 00:27:13,440
Speaker 4: I said before, scarcity mindset could actually exist in any

588
00:27:13,480 --> 00:27:15,960
Speaker 4: facet of your life. It could be your entire life,

589
00:27:16,000 --> 00:27:18,000
Speaker 4: it could just be a certain area. But when it

590
00:27:18,040 --> 00:27:21,880
Speaker 4: comes to investment mindset, I think that's really really important

591
00:27:21,880 --> 00:27:25,159
Speaker 4: to talk about because it limits what we can create

592
00:27:25,240 --> 00:27:28,879
Speaker 4: in the future and the financial freedom that you actually deserve. Like,

593
00:27:28,920 --> 00:27:32,760
Speaker 4: if you're not creating financial freedom or working towards it

594
00:27:32,840 --> 00:27:35,560
Speaker 4: and you really want to be, you're going to carry

595
00:27:35,560 --> 00:27:37,440
Speaker 4: a lot of guilt later down the road when you're like,

596
00:27:37,440 --> 00:27:38,959
Speaker 4: oh my god, I wish I was doing this earlier,

597
00:27:39,160 --> 00:27:41,080
Speaker 4: or you know, I speak to a lot of people

598
00:27:41,119 --> 00:27:43,520
Speaker 4: in their sixties who are about to retire because we've

599
00:27:43,560 --> 00:27:45,640
Speaker 4: just discovered our podcast. They're like, I wish I'd known

600
00:27:45,680 --> 00:27:47,720
Speaker 4: this when I was younger. I wish I'd pulled my

601
00:27:47,840 --> 00:27:49,560
Speaker 4: finger out, or I wish I'd put more in my

602
00:27:49,640 --> 00:27:52,480
Speaker 4: super And I just feel like that's not a position

603
00:27:52,600 --> 00:27:55,320
Speaker 4: I want anyone in our community to be in And

604
00:27:55,400 --> 00:27:58,200
Speaker 4: as much as I say, look, you are where you are,

605
00:27:58,520 --> 00:28:01,159
Speaker 4: life is a journey. And I know that if I

606
00:28:01,320 --> 00:28:04,000
Speaker 4: had this education when I was twenty one and got

607
00:28:04,000 --> 00:28:06,600
Speaker 4: into personal debt, I wouldn't have listened to it. I

608
00:28:06,600 --> 00:28:09,280
Speaker 4: would have been like, that's call by, I'm living my

609
00:28:09,359 --> 00:28:13,520
Speaker 4: best life. Like my mindset was so different. But if

610
00:28:13,560 --> 00:28:16,280
Speaker 4: you're open to change and you want to create change,

611
00:28:16,320 --> 00:28:19,199
Speaker 4: it is entirely possible. You've just got to have the

612
00:28:19,280 --> 00:28:22,800
Speaker 4: information at the right period of time to facilitate that.

613
00:28:23,000 --> 00:28:25,720
Speaker 4: And sometimes just having the information isn't enough. You've actually

614
00:28:25,720 --> 00:28:28,000
Speaker 4: got to want to change. So first I want to

615
00:28:28,040 --> 00:28:30,199
Speaker 4: talk about I guess how to snap out of that

616
00:28:30,240 --> 00:28:34,080
Speaker 4: scarcity mindset and the psychology of what's called reframing. So

617
00:28:34,119 --> 00:28:37,840
Speaker 4: it's taking one situation and changing that view from a

618
00:28:37,960 --> 00:28:40,760
Speaker 4: negative to a positive. And I think that that can

619
00:28:40,800 --> 00:28:44,800
Speaker 4: actually be really, really helpful. So instead of saying something like,

620
00:28:44,840 --> 00:28:46,880
Speaker 4: oh my gosh, like I can't believe I have to

621
00:28:46,920 --> 00:28:48,640
Speaker 4: get up in the morning and go to work. That's

622
00:28:48,720 --> 00:28:51,480
Speaker 4: the worst you might change it too, Oh in the morning,

623
00:28:51,520 --> 00:28:53,640
Speaker 4: I get to go to work. It doesn't always have

624
00:28:53,680 --> 00:28:56,520
Speaker 4: to be the super sickly sweet amount of positivity. Like

625
00:28:56,680 --> 00:29:00,760
Speaker 4: that's actually, from my perspective, unobtainable. I'm not always super

626
00:29:00,760 --> 00:29:03,360
Speaker 4: sickly sweet, and I don't actually want that in my

627
00:29:03,400 --> 00:29:05,840
Speaker 4: life because this would be weird. Let's be honest. If

628
00:29:05,880 --> 00:29:08,520
Speaker 4: I was super positive all the time and I said, oh,

629
00:29:08,560 --> 00:29:10,400
Speaker 4: instead of I have to go to work in the morning,

630
00:29:10,440 --> 00:29:13,320
Speaker 4: I was like, oh my gosh, I love going to work.

631
00:29:13,920 --> 00:29:17,440
Speaker 4: I'm not gonna believe that. No one reframing it to

632
00:29:17,640 --> 00:29:20,160
Speaker 4: a take of gratitude to well, I get to go

633
00:29:20,200 --> 00:29:23,600
Speaker 4: to work. I mean, I'm not super super pumped, but

634
00:29:23,960 --> 00:29:26,400
Speaker 4: I get to do that, and that's a privilege in itself.

635
00:29:26,480 --> 00:29:29,840
Speaker 4: I think reframes it to a positive mindset that's not

636
00:29:29,880 --> 00:29:32,200
Speaker 4: that super sickly sweet, Like do you know what I mean?

637
00:29:32,200 --> 00:29:35,160
Speaker 4: Because I feel like some people online are like, reframe

638
00:29:35,200 --> 00:29:38,160
Speaker 4: it to the positive, and you're like, no, I'm not

639
00:29:38,240 --> 00:29:38,959
Speaker 4: gonna do that.

640
00:29:39,200 --> 00:29:41,520
Speaker 1: It's almost like toxic positivity. Would you agree?

641
00:29:41,640 --> 00:29:44,600
Speaker 4: I mean, literally, it is toxic positivity. But the next

642
00:29:44,600 --> 00:29:46,480
Speaker 4: thing I would do is really focus on what you

643
00:29:46,560 --> 00:29:49,840
Speaker 4: do have. So scarcity often scares people from making career

644
00:29:49,920 --> 00:29:53,560
Speaker 4: changes or taking risk because they think there aren't enough opportunities.

645
00:29:53,600 --> 00:29:56,080
Speaker 4: Like bet got a new job, therefore I won't get

646
00:29:56,120 --> 00:29:58,640
Speaker 4: one because like there's only so many that go around.

647
00:29:59,280 --> 00:30:01,480
Speaker 4: It's now to to think about the positives that you

648
00:30:01,600 --> 00:30:04,239
Speaker 4: do have to let you move forward. The next thing

649
00:30:04,280 --> 00:30:08,480
Speaker 4: I'm going to say controversial, but audit the people around

650
00:30:08,520 --> 00:30:12,400
Speaker 4: you and surround yourself with positive people. The people around

651
00:30:12,440 --> 00:30:15,440
Speaker 4: you will really influence you. That quote of you are

652
00:30:15,480 --> 00:30:17,880
Speaker 4: the some of the five closest people to you, I

653
00:30:18,040 --> 00:30:22,120
Speaker 4: genuinely believe, and spending time with positive minded people will

654
00:30:22,160 --> 00:30:25,920
Speaker 4: often have you soon thinking in that same way. This

655
00:30:26,000 --> 00:30:28,000
Speaker 4: one's a bit sappy, and I know we said no

656
00:30:28,120 --> 00:30:32,600
Speaker 4: toxic positivity, but practice gratitude. You don't have to be

657
00:30:32,680 --> 00:30:35,960
Speaker 4: overly sickly sweet about gratitude, which I feel like every

658
00:30:36,040 --> 00:30:39,720
Speaker 4: influencer and their dog is carping on about, especially because

659
00:30:39,720 --> 00:30:41,520
Speaker 4: it's new. You knew me, Like, let's write in our

660
00:30:41,560 --> 00:30:44,560
Speaker 4: gratitude journals. I get it, and I'm not making fun

661
00:30:44,600 --> 00:30:45,880
Speaker 4: of that. I mean, I am making fun of that,

662
00:30:45,960 --> 00:30:48,120
Speaker 4: but like, I'm not making fun of that if it

663
00:30:48,200 --> 00:30:50,600
Speaker 4: works for you, but I also know that it wouldn't

664
00:30:50,640 --> 00:30:55,320
Speaker 4: work for me. But gratitude has been shown to positively

665
00:30:55,440 --> 00:30:58,720
Speaker 4: improve mental health and well being. So if you want

666
00:30:58,760 --> 00:31:01,080
Speaker 4: to create a gratitude or just have a little piece

667
00:31:01,080 --> 00:31:03,920
Speaker 4: of paper beside your bed. I bought a gratitude journal

668
00:31:04,040 --> 00:31:06,959
Speaker 4: actually at Kiki k And instead of it being like

669
00:31:07,320 --> 00:31:11,040
Speaker 4: heaps of pages of empty paper, it's like five little

670
00:31:11,080 --> 00:31:14,280
Speaker 4: dot points each day and it starts the sentence for you,

671
00:31:14,360 --> 00:31:18,120
Speaker 4: which I find really helpful because I'm not that good

672
00:31:18,240 --> 00:31:21,760
Speaker 4: at journaling without prompts. Yeah, so that was really helpful.

673
00:31:21,840 --> 00:31:24,160
Speaker 4: And if you create a journal and write down five

674
00:31:24,280 --> 00:31:27,480
Speaker 4: things that you're grateful for every day, it can reframe

675
00:31:27,520 --> 00:31:30,080
Speaker 4: your life. Literally. The other thing I want to say

676
00:31:30,160 --> 00:31:33,000
Speaker 4: this is like share them with your partner, share them

677
00:31:33,000 --> 00:31:36,200
Speaker 4: with a friend, call your mum, call somebody that you

678
00:31:36,280 --> 00:31:40,440
Speaker 4: care about, and share them and create that accountability. Because Beck,

679
00:31:40,520 --> 00:31:42,720
Speaker 4: if you and I live together, which would be elite

680
00:31:42,800 --> 00:31:45,160
Speaker 4: by the way, because I'm a really big cook and

681
00:31:45,200 --> 00:31:47,600
Speaker 4: you bring the vibes like that would be really good.

682
00:31:48,040 --> 00:31:50,640
Speaker 4: But if you take those five things and every single

683
00:31:50,680 --> 00:31:53,400
Speaker 4: day I have an accountability that all right? Every day

684
00:31:53,640 --> 00:31:56,440
Speaker 4: Beck and I tell each other our five things, do

685
00:31:56,440 --> 00:31:59,640
Speaker 4: you know what you start doing? You start looking for more?

686
00:31:59,720 --> 00:32:03,240
Speaker 4: Yeah things. So if I know or I'm going home

687
00:32:03,240 --> 00:32:05,840
Speaker 4: tonight and I'm going to tell Beck my five things

688
00:32:05,960 --> 00:32:08,719
Speaker 4: and you know what can actually help taking a photo

689
00:32:08,800 --> 00:32:10,720
Speaker 4: of it, and I know that's really lame. It could

690
00:32:10,720 --> 00:32:12,800
Speaker 4: be a picture of a kickat on a desk, and

691
00:32:12,840 --> 00:32:14,880
Speaker 4: that could be one of your positive things. And that

692
00:32:15,000 --> 00:32:17,320
Speaker 4: five things, I promise will turn into ten because you're

693
00:32:17,360 --> 00:32:20,680
Speaker 4: consistently looking for more positive things to share. So if

694
00:32:20,720 --> 00:32:23,040
Speaker 4: I know or I have to take five positive things

695
00:32:23,040 --> 00:32:26,160
Speaker 4: home to tell beck about tonight, I'm just looking for

696
00:32:26,240 --> 00:32:29,200
Speaker 4: positive things all day. And the more you start looking

697
00:32:29,240 --> 00:32:31,400
Speaker 4: for things, the more they start appearing. And this goes

698
00:32:31,440 --> 00:32:34,720
Speaker 4: back to that manifestation conversation we're having the other day

699
00:32:34,920 --> 00:32:38,480
Speaker 4: where I said, I don't particularly believe in manifestation because

700
00:32:38,480 --> 00:32:41,120
Speaker 4: it's all about what you're looking for and those things

701
00:32:41,160 --> 00:32:43,440
Speaker 4: showing up. And I use the example of the bright

702
00:32:43,520 --> 00:32:45,600
Speaker 4: yellow Honda Jazz, like if you think about that as

703
00:32:45,640 --> 00:32:48,280
Speaker 4: a car, I can't remember seeing one, but if I

704
00:32:48,320 --> 00:32:49,840
Speaker 4: start telling you to look for one, you're going to

705
00:32:49,880 --> 00:32:53,920
Speaker 4: see more of them, right, Yes, confirmation by exactly. And

706
00:32:54,000 --> 00:32:56,640
Speaker 4: so the more you're looking for positive things and the

707
00:32:56,680 --> 00:33:00,000
Speaker 4: more you have some level of accountability to deliver five

708
00:33:00,240 --> 00:33:02,120
Speaker 4: or it could be one, like let's just start with one.

709
00:33:02,400 --> 00:33:04,840
Speaker 4: I need to share the most positive thing that happened

710
00:33:04,880 --> 00:33:08,200
Speaker 4: today with Beck when I get home instead of going, oh, Beck,

711
00:33:08,240 --> 00:33:10,080
Speaker 4: how's your day? Oh yeah, Oh my gosh, it was

712
00:33:10,120 --> 00:33:13,360
Speaker 4: the most stressful thing. Stop talking about that. What was

713
00:33:13,360 --> 00:33:14,239
Speaker 4: the best thing about your day?

714
00:33:14,280 --> 00:33:14,440
Speaker 2: Back?

715
00:33:14,480 --> 00:33:17,040
Speaker 4: And you're like, oh, okay, well Victorias knuckout of this

716
00:33:17,160 --> 00:33:20,120
Speaker 4: recording studio and stole a kick cat for me and

717
00:33:20,200 --> 00:33:21,640
Speaker 4: brought it back. That was pretty late.

718
00:33:21,720 --> 00:33:23,440
Speaker 1: That is going into my gratitude Jennal.

719
00:33:23,360 --> 00:33:25,400
Speaker 4: Yeah, okay, perfect. But it doesn't need to be these

720
00:33:25,400 --> 00:33:27,680
Speaker 4: big overarching things, and it could be a really personal

721
00:33:27,680 --> 00:33:30,360
Speaker 4: gratitude where you go, you know, I'm really grateful for

722
00:33:30,440 --> 00:33:32,560
Speaker 4: my KitKat. No one else would understand that because it'd

723
00:33:32,560 --> 00:33:34,720
Speaker 4: be like, what the heck kickat is the worst chocolate ever?

724
00:33:35,240 --> 00:33:37,520
Speaker 4: Do you know what I mean? Like, I really personal

725
00:33:37,560 --> 00:33:41,360
Speaker 4: and I think that by practicing gratitude it can actually

726
00:33:41,480 --> 00:33:43,360
Speaker 4: change your life. And I'm going to stop harping on

727
00:33:43,400 --> 00:33:45,520
Speaker 4: about it because it's gonna be come some kind of

728
00:33:45,520 --> 00:33:49,600
Speaker 4: self help podcast. It absolutely shouldn't be. The Next thing

729
00:33:49,640 --> 00:33:52,720
Speaker 4: I want to talk about is recognizing the possibilities. Again,

730
00:33:52,760 --> 00:33:55,120
Speaker 4: this feels like a little self help kind of book.

731
00:33:55,160 --> 00:33:57,720
Speaker 4: I'm not mad about it. Watch out, Brene Brown, We're

732
00:33:57,720 --> 00:34:00,000
Speaker 4: coming for you. I'm learning a lot today. This is great,

733
00:34:00,400 --> 00:34:03,800
Speaker 4: but when you recognize the possibilities, it's important to focus

734
00:34:03,800 --> 00:34:06,480
Speaker 4: on one thing that can train your brain to let

735
00:34:06,520 --> 00:34:10,200
Speaker 4: other things go unnoticed. So rewire your mind to look

736
00:34:10,239 --> 00:34:14,480
Speaker 4: for possibilities and solutions instead of letting problems get you down,

737
00:34:14,880 --> 00:34:17,240
Speaker 4: kind of like the yellow Honda Jazz. If you're looking

738
00:34:17,400 --> 00:34:21,320
Speaker 4: for it, I promise more of it appears. It is crazy.

739
00:34:21,640 --> 00:34:24,400
Speaker 4: The same thing happens with opportunities. So if you have

740
00:34:24,480 --> 00:34:26,120
Speaker 4: your head in the sound, you're like, oh, jobs never

741
00:34:26,160 --> 00:34:29,000
Speaker 4: come up, babe, You're probably not looking for them, Like

742
00:34:29,040 --> 00:34:31,759
Speaker 4: you don't have your eyes open, you're not looking for them.

743
00:34:31,800 --> 00:34:34,759
Speaker 4: But if you start looking for them, I promise they

744
00:34:34,920 --> 00:34:37,919
Speaker 4: appear in abundance. It is crazy. And then the last

745
00:34:37,920 --> 00:34:39,839
Speaker 4: thing I'm going to say here is the tunnel vision

746
00:34:39,880 --> 00:34:43,120
Speaker 4: caused by scarcity mindset actually means other important things end

747
00:34:43,200 --> 00:34:46,319
Speaker 4: up falling by the wayside. So start escaping that little

748
00:34:46,360 --> 00:34:49,279
Speaker 4: tunnel you've created by organizing your time or automating some

749
00:34:49,400 --> 00:34:52,440
Speaker 4: tasks that might actually help you build an abundant future.

750
00:34:52,640 --> 00:34:55,360
Speaker 4: So that might be actually setting up an auto invest program.

751
00:34:55,600 --> 00:34:58,120
Speaker 4: So you might have decided to invest, but instead of

752
00:34:58,160 --> 00:35:00,319
Speaker 4: having to do that each and every single month. You

753
00:35:00,400 --> 00:35:02,600
Speaker 4: might just set up a direct debit on your app

754
00:35:02,640 --> 00:35:04,120
Speaker 4: and go all right, well I'm going to do this.

755
00:35:04,239 --> 00:35:06,920
Speaker 4: I'm just gonna set and forget. This makes sense. This

756
00:35:07,000 --> 00:35:09,480
Speaker 4: actually puts me in the best possible position. Does that

757
00:35:09,520 --> 00:35:10,040
Speaker 4: make sense?

758
00:35:10,400 --> 00:35:13,160
Speaker 1: Yeah, that completely makes sense. I'm really liking these. I

759
00:35:13,200 --> 00:35:15,960
Speaker 1: feel like I'm going to go away and practice gratitude

760
00:35:16,000 --> 00:35:18,800
Speaker 1: and try to not look I am generally a pessimist.

761
00:35:18,880 --> 00:35:20,919
Speaker 1: I know it may not seem like it. You don't.

762
00:35:21,160 --> 00:35:22,560
Speaker 4: You must be working hard on that.

763
00:35:22,680 --> 00:35:25,320
Speaker 1: I'm gonna be working hard, especially after this manifest.

764
00:35:25,360 --> 00:35:31,320
Speaker 4: Your Honda Jazz. Absolutely, that's all I've ever wanted is Ayazz, honestly,

765
00:35:31,440 --> 00:35:33,520
Speaker 4: I promise. Do you know how funny it is though,

766
00:35:33,520 --> 00:35:35,560
Speaker 4: because we mentioned that a couple of weeks ago on

767
00:35:35,600 --> 00:35:39,240
Speaker 4: a pod episode. The amount of messages please keep sending

768
00:35:39,280 --> 00:35:41,399
Speaker 4: them to me though, The amount of messages I've got

769
00:35:41,440 --> 00:35:44,640
Speaker 4: of people sending photos of Honda Jazz is to me

770
00:35:44,760 --> 00:35:47,520
Speaker 4: that are yellow. I'm like, thanks, babe. They're like, oh my.

771
00:35:47,480 --> 00:35:48,200
Speaker 5: God, it was true.

772
00:35:48,239 --> 00:35:49,319
Speaker 1: I saw the story today.

773
00:35:49,360 --> 00:35:50,880
Speaker 4: I'm like, no, no, no, I want I want all

774
00:35:50,880 --> 00:35:52,680
Speaker 4: your Honda Jazz content. You know what I'm going to

775
00:35:52,760 --> 00:35:54,680
Speaker 4: start posting all my story. So spam me with your

776
00:35:54,680 --> 00:35:57,120
Speaker 4: Honda Jazz as I'm here for. If you a yellow

777
00:35:57,160 --> 00:35:58,840
Speaker 4: Honda Jazz, let's be friends.

778
00:35:58,880 --> 00:36:00,040
Speaker 1: Even better, even better.

779
00:36:00,560 --> 00:36:04,160
Speaker 4: You are manifestation quing. You are the yellow Honda Jazz

780
00:36:04,360 --> 00:36:08,600
Speaker 4: that is powerful. V. Before you touched on reframing mindset,

781
00:36:08,880 --> 00:36:11,360
Speaker 4: I'm wondering if we could go a little bit deeper

782
00:36:11,480 --> 00:36:14,240
Speaker 4: with that. Yeah, okay, So reframing is actually a super

783
00:36:14,239 --> 00:36:17,319
Speaker 4: powerful tool that I think I learned about in the

784
00:36:17,360 --> 00:36:22,279
Speaker 4: first year of psychology, and it's really about reframing a circumstance.

785
00:36:22,320 --> 00:36:25,399
Speaker 4: And the way I learned about it was in reframing

786
00:36:25,520 --> 00:36:29,360
Speaker 4: questions to potential clients as a psychologist, where you know

787
00:36:29,440 --> 00:36:32,440
Speaker 4: they might say something and you want to continue the conversation,

788
00:36:32,560 --> 00:36:35,320
Speaker 4: but you don't necessarily have a question, so you reframe

789
00:36:35,360 --> 00:36:37,640
Speaker 4: it and go, wow, Beck, you just said that you're

790
00:36:37,719 --> 00:36:41,680
Speaker 4: negative about XYZ, and you kind of reframe what they've

791
00:36:41,760 --> 00:36:44,440
Speaker 4: just said, so one, they feel heard, but two they

792
00:36:44,520 --> 00:36:47,840
Speaker 4: might elaborate on it from a different perspective. So you

793
00:36:47,920 --> 00:36:50,240
Speaker 4: might have had a negative take and I might reframe

794
00:36:50,280 --> 00:36:51,640
Speaker 4: it in a positive light and be like, oh, but

795
00:36:51,680 --> 00:36:54,239
Speaker 4: it might not have all been bad, right, And you go, oh, yeah,

796
00:36:54,239 --> 00:36:56,640
Speaker 4: well actually, and you might open up about a different

797
00:36:56,760 --> 00:36:59,960
Speaker 4: facet of that experience that you're explaining to me. Because

798
00:37:00,239 --> 00:37:02,640
Speaker 4: the job of a psychologist isn't actually to just tell

799
00:37:02,719 --> 00:37:04,839
Speaker 4: you the answers. In fact, the answer has always come

800
00:37:04,880 --> 00:37:07,840
Speaker 4: from within the client. So it's about reframing it so

801
00:37:07,880 --> 00:37:10,680
Speaker 4: that maybe you see it from a different perspective and go, yeah, actually,

802
00:37:10,680 --> 00:37:13,400
Speaker 4: I hadn't thought about it that way, Victoria. Well, actually

803
00:37:13,440 --> 00:37:16,320
Speaker 4: my mum used to Does that make sense to reframe

804
00:37:16,400 --> 00:37:19,799
Speaker 4: the question. So the idea is that the frame through

805
00:37:19,800 --> 00:37:22,680
Speaker 4: which a person views a situation really determines their point

806
00:37:22,719 --> 00:37:24,840
Speaker 4: of view. So they might have rose colored glasses on

807
00:37:24,880 --> 00:37:27,799
Speaker 4: and everything is hunky dory. They might also have their

808
00:37:27,800 --> 00:37:30,719
Speaker 4: sunglasses on inside, which makes everything look a little bit

809
00:37:30,800 --> 00:37:33,040
Speaker 4: darker than it needs to be, and you might want

810
00:37:33,040 --> 00:37:35,240
Speaker 4: to be like, oh, hey, have you tried these yellow lenses?

811
00:37:35,320 --> 00:37:37,120
Speaker 4: Like what if we have a look at it from here?

812
00:37:37,560 --> 00:37:40,480
Speaker 4: So imagine looking through a camera lens. The picture you

813
00:37:40,520 --> 00:37:43,040
Speaker 4: see can actually be changed depending on what sunglasses you're

814
00:37:43,040 --> 00:37:45,279
Speaker 4: wearing and what camera lens filter that you put on,

815
00:37:45,360 --> 00:37:48,000
Speaker 4: or what Instagram filter is on that picture, or what's

816
00:37:48,080 --> 00:37:50,719
Speaker 4: the beauty filter on TikTok, like I swear that is

817
00:37:50,760 --> 00:37:55,680
Speaker 4: not helping anybody else, but by slightly changing what is

818
00:37:55,719 --> 00:37:58,319
Speaker 4: seen in the camera, the picture is both viewed and

819
00:37:58,440 --> 00:38:02,640
Speaker 4: experienced differently, And this is really positive if we're changing

820
00:38:02,680 --> 00:38:05,120
Speaker 4: our mindset, because you can go, oh, I do see

821
00:38:05,120 --> 00:38:05,960
Speaker 4: that really negatively?

822
00:38:06,239 --> 00:38:06,839
Speaker 1: What are some.

823
00:38:06,840 --> 00:38:09,640
Speaker 4: Tools I eat glasses that I could put on that

824
00:38:09,800 --> 00:38:12,640
Speaker 4: help me start to see it differently? But it can

825
00:38:12,680 --> 00:38:15,560
Speaker 4: also change things to negative, right, And this goes back

826
00:38:15,600 --> 00:38:18,960
Speaker 4: to again I mentioned TikTok. I genuinely feel like the

827
00:38:19,000 --> 00:38:22,359
Speaker 4: TikTok beauty filter is giving people unrealistic standards of what

828
00:38:22,400 --> 00:38:25,719
Speaker 4: beauty actually looks like because it's automatic and you just go, wow,

829
00:38:25,760 --> 00:38:28,800
Speaker 4: there's so many beautiful people on my feed. I can't

830
00:38:28,800 --> 00:38:30,839
Speaker 4: believe these people always look that good or their skin

831
00:38:30,880 --> 00:38:34,759
Speaker 4: is always that perfect, etc. Etc. And that is the

832
00:38:34,800 --> 00:38:38,200
Speaker 4: way you're viewing that circumstance. It's the lens that has

833
00:38:38,239 --> 00:38:41,839
Speaker 4: been put on that situation, which then determines your point

834
00:38:41,880 --> 00:38:43,960
Speaker 4: of view. And I think that that is actually a

835
00:38:44,000 --> 00:38:46,520
Speaker 4: really good example because it's the same as your outlook.

836
00:38:46,600 --> 00:38:49,799
Speaker 4: So when the frame is shifted, the meaning changes and

837
00:38:49,840 --> 00:38:52,560
Speaker 4: the thinking and the behavior often changes along with it.

838
00:38:52,880 --> 00:38:56,080
Speaker 4: So if you can literally put the glasses down or

839
00:38:56,280 --> 00:38:59,239
Speaker 4: take your sunglasses off while you're inside and maybe put

840
00:38:59,280 --> 00:39:01,719
Speaker 4: some rose colored or so maybe like yellow tindered ones.

841
00:39:02,200 --> 00:39:04,240
Speaker 4: They don't look that hot on, But that is okay.

842
00:39:04,360 --> 00:39:06,319
Speaker 4: I think that that can actually put you in a

843
00:39:06,320 --> 00:39:10,279
Speaker 4: better position, and choosing to reframe can actually be can

844
00:39:10,320 --> 00:39:13,319
Speaker 4: be exhausting, like I learned it at university, because it

845
00:39:13,360 --> 00:39:15,920
Speaker 4: is something that you need to practice and learn. It

846
00:39:16,000 --> 00:39:17,759
Speaker 4: is not something you can be like, oh yeah, cool,

847
00:39:17,800 --> 00:39:19,920
Speaker 4: I learn on the podcast about reframing. I now do

848
00:39:20,000 --> 00:39:22,200
Speaker 4: that all the time. You have to work out it,

849
00:39:22,239 --> 00:39:25,719
Speaker 4: you have to consistently change it because your mind, as

850
00:39:25,760 --> 00:39:30,000
Speaker 4: a human being is automatically negative. Like that is human nature.

851
00:39:30,200 --> 00:39:32,480
Speaker 4: And the reason it is human nature is because we

852
00:39:32,640 --> 00:39:34,960
Speaker 4: used to be cave people and leaving the cave was

853
00:39:35,000 --> 00:39:37,440
Speaker 4: a risk. Leaving the cave was a risk. Yeah we

854
00:39:37,440 --> 00:39:39,120
Speaker 4: needed food, but it was the risk worth it. Yeah

855
00:39:39,120 --> 00:39:42,080
Speaker 4: I'm pretty hungry, but also there's bears and stuff out there,

856
00:39:42,280 --> 00:39:46,440
Speaker 4: and automatically, as a survival instinct, we are negative because

857
00:39:46,440 --> 00:39:49,480
Speaker 4: the negative actually protects us. And if you grew up

858
00:39:49,520 --> 00:39:53,319
Speaker 4: in a scarcity mindset, then being negative protects you, right,

859
00:39:53,719 --> 00:39:56,239
Speaker 4: Like even going don't worry I'm not going to ask

860
00:39:56,320 --> 00:39:58,640
Speaker 4: mum for that. That's not worth It is going to

861
00:39:58,680 --> 00:40:01,160
Speaker 4: translate into you being an adult who doesn't want to

862
00:40:01,200 --> 00:40:03,680
Speaker 4: spend money on stuff because it gives you anxiety. You're

863
00:40:03,719 --> 00:40:06,440
Speaker 4: evasive of it. So I think it's really important to

864
00:40:06,520 --> 00:40:09,399
Speaker 4: understand how that can actually impact you and what that

865
00:40:09,680 --> 00:40:13,120
Speaker 4: means and choose to reframe it. But that is going

866
00:40:13,160 --> 00:40:14,879
Speaker 4: to be work. I'm not going to put my rose

867
00:40:14,920 --> 00:40:17,520
Speaker 4: colored glasses on and be like it's so easy. It

868
00:40:17,600 --> 00:40:19,799
Speaker 4: can be. But that's why we want to have maybe

869
00:40:19,800 --> 00:40:23,160
Speaker 4: a daily task of sharing something we're grateful for, or

870
00:40:23,200 --> 00:40:26,399
Speaker 4: having a gratitude journal, or having something that can put

871
00:40:26,480 --> 00:40:28,640
Speaker 4: us in that perspective where we're going, all right, I'm

872
00:40:28,640 --> 00:40:31,960
Speaker 4: moving from scarcity mindset to this, or even just reflecting

873
00:40:32,000 --> 00:40:34,719
Speaker 4: on your own interactions that day and going wow, like

874
00:40:35,360 --> 00:40:38,520
Speaker 4: that was negative. How could I have approached that differently,

875
00:40:38,640 --> 00:40:41,879
Speaker 4: or how would I approach that? To feel like I'm

876
00:40:41,880 --> 00:40:44,520
Speaker 4: being my best self in this circumstance, I think can

877
00:40:44,560 --> 00:40:47,719
Speaker 4: actually be really really helpful. And I guess to summarize

878
00:40:47,760 --> 00:40:50,360
Speaker 4: all of that, the second you can start reframing the

879
00:40:50,360 --> 00:40:53,440
Speaker 4: way you view investment and how that works. The second

880
00:40:53,480 --> 00:40:55,799
Speaker 4: you can start creating the financial freedom that I know

881
00:40:55,920 --> 00:40:58,279
Speaker 4: you all deserve. And I think so many of us

882
00:40:58,360 --> 00:41:01,520
Speaker 4: limit ourselves because of our ex experiences or our upbringing

883
00:41:01,640 --> 00:41:04,279
Speaker 4: or the way that we view things, and that might

884
00:41:04,320 --> 00:41:05,640
Speaker 4: not actually be reality.

885
00:41:05,880 --> 00:41:08,279
Speaker 1: That makes so much sense. It's really really good to

886
00:41:08,320 --> 00:41:10,799
Speaker 1: see where that kind of mindset comes from. And it's

887
00:41:10,840 --> 00:41:14,120
Speaker 1: not just because I'm a negative person or whatever else.

888
00:41:14,200 --> 00:41:16,799
Speaker 4: No, absolutely not. It's ingrained in us. It's the way

889
00:41:16,840 --> 00:41:19,600
Speaker 4: we grew up, and it's a defense mechanism, like being

890
00:41:19,640 --> 00:41:22,799
Speaker 4: negative is a survival instinct, and often if you have

891
00:41:22,920 --> 00:41:25,920
Speaker 4: been through some level of trauma or a circumstance that

892
00:41:26,040 --> 00:41:29,600
Speaker 4: maybe was beyond your control, we revert to being negative.

893
00:41:29,719 --> 00:41:32,560
Speaker 4: And it makes sense because it's a vile that's how

894
00:41:32,600 --> 00:41:34,920
Speaker 4: we make our way through the world. But it's now

895
00:41:34,960 --> 00:41:37,680
Speaker 4: twenty twenty three and we live in this world of

896
00:41:37,680 --> 00:41:40,120
Speaker 4: abundance and you can create anything you want, but we've

897
00:41:40,160 --> 00:41:42,480
Speaker 4: actually got to lift that mindset up and put this

898
00:41:42,560 --> 00:41:45,280
Speaker 4: other mindset on if you actually want to be successful

899
00:41:45,320 --> 00:41:45,880
Speaker 4: in that realm.

900
00:41:45,920 --> 00:41:47,799
Speaker 1: That's a really good takeaway. I'm going to go out

901
00:41:47,800 --> 00:41:50,359
Speaker 1: into the world and put my rose colored glasses on.

902
00:41:50,840 --> 00:41:53,359
Speaker 1: Now that's all we have time for today. V thank

903
00:41:53,400 --> 00:41:55,360
Speaker 1: you so much for that. Inport, Let's go and have

904
00:41:55,400 --> 00:41:56,160
Speaker 1: some more kitck cats.

905
00:41:56,280 --> 00:41:58,879
Speaker 4: Yeah. Absolutely, we're going to take a break and have.

906
00:41:58,880 --> 00:42:02,560
Speaker 1: A kickkat but obviously wrong still, but that's okay with Oh.

907
00:42:02,480 --> 00:42:05,160
Speaker 4: Did I okay? Well, I'll just cancel myself and see

908
00:42:05,200 --> 00:42:07,239
Speaker 4: myself out. But you know what, I believe I can

909
00:42:07,320 --> 00:42:10,200
Speaker 4: do it better next time because I have an abundance mindset.

910
00:42:10,280 --> 00:42:10,799
Speaker 1: There she go.

911
00:42:11,080 --> 00:42:13,839
Speaker 4: Yeah, absolutely, But as always, we would love it if

912
00:42:13,880 --> 00:42:16,560
Speaker 4: you joined our Facebook group, where our community shares money,

913
00:42:16,560 --> 00:42:19,239
Speaker 4: tips and tricks every single day of the week, free

914
00:42:19,239 --> 00:42:21,759
Speaker 4: of judgment. So She's on the Money on Facebook and

915
00:42:21,800 --> 00:42:24,360
Speaker 4: send me your yellow Honda Jazz pictures. I want to

916
00:42:24,400 --> 00:42:26,399
Speaker 4: see them. If Facebook's not your thing, you and also

917
00:42:26,440 --> 00:42:29,120
Speaker 4: find us and tag us in your jazz pictures on Instagram.

918
00:42:29,120 --> 00:42:31,040
Speaker 4: And we're also on TikTok. I mean, I'd love to

919
00:42:31,040 --> 00:42:32,680
Speaker 4: see a TikTok of all the Honda jazz Is that

920
00:42:32,719 --> 00:42:35,440
Speaker 4: you saw that were yellow this week. And as always,

921
00:42:35,480 --> 00:42:38,080
Speaker 4: please don't forget to rate, review and subscribe. It really

922
00:42:38,160 --> 00:42:40,400
Speaker 4: does help our little podcast. But we will see you

923
00:42:40,400 --> 00:42:42,399
Speaker 4: on Friday, my friends, have a good day.

924
00:42:42,640 --> 00:42:42,879
Speaker 1: Bye.

925
00:42:42,880 --> 00:42:51,480
Speaker 4: Everyone did buy shared on She's on the Money is

926
00:42:51,560 --> 00:42:55,160
Speaker 4: general in nature and does not consider your individual circumstances.

927
00:42:55,480 --> 00:42:58,920
Speaker 4: She's on the Money exists purely for educational purposes and

928
00:42:58,960 --> 00:43:01,360
Speaker 4: should not be relied on to make an investment or

929
00:43:01,480 --> 00:43:05,520
Speaker 4: financial decision. If you do choose to buy a financial product, read.

930
00:43:05,320 --> 00:43:08,680
Speaker 5: The PDS TMD and obtain appropriate financial.

931
00:43:08,239 --> 00:43:10,040
Speaker 4: Advice tailored towards your needs.

932
00:43:10,400 --> 00:43:14,320
Speaker 5: Victoria Divine and She's on the Money are authorized representatives

933
00:43:14,360 --> 00:43:16,920
Speaker 5: of money sherper P T y lt D A b

934
00:43:17,080 --> 00:43:20,160
Speaker 5: N three two one six four nine two seven seven

935
00:43:20,280 --> 00:43:26,200
Speaker 5: zero eight AFS L four five one two eight nine