1
00:00:00,200 --> 00:00:02,960
Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

2
00:00:03,000 --> 00:00:07,280
Speaker 1: woman and I'm here to acknowledge country t Glenn Young

3
00:00:07,320 --> 00:00:11,400
Speaker 1: Ganya Niana, Kaka yah Ya bin Ahaka Nian Our gay

4
00:00:11,440 --> 00:00:17,160
Speaker 1: In Nimbina, yakarum Jar, Dominyama, Domagahawakaman, damon Imlan Bumba, bang

5
00:00:17,160 --> 00:00:20,040
Speaker 1: Gadabomba in and now in wakah Ghana on yak rum

6
00:00:20,120 --> 00:00:24,560
Speaker 1: Jar water Nadaa. Hello, beautiful friends, we gather on the

7
00:00:24,640 --> 00:00:27,920
Speaker 1: lands of the Aboriginal people. We thank acknowledge and respect

8
00:00:27,960 --> 00:00:30,880
Speaker 1: the Aberiginal people's land that we're gathering on today. Take

9
00:00:30,920 --> 00:00:33,680
Speaker 1: pleasure in all the land and respect all that you see.

10
00:00:34,600 --> 00:00:40,160
Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

11
00:00:40,960 --> 00:00:44,560
Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

12
00:00:44,840 --> 00:01:08,120
Speaker 2: She's on the Money. She's on the Money. Hello and

13
00:01:08,240 --> 00:01:08,679
Speaker 2: welcome to.

14
00:01:08,720 --> 00:01:11,440
Speaker 3: She's on the Money, the podcast that believes your mindset

15
00:01:11,520 --> 00:01:14,760
Speaker 3: might actually matter more than your income. It starts with

16
00:01:14,920 --> 00:01:17,200
Speaker 3: a bigger belief in what's possible for you, because the

17
00:01:17,240 --> 00:01:19,880
Speaker 3: truth is, you can earn more, you can save more,

18
00:01:19,959 --> 00:01:22,920
Speaker 3: you can build more. Today we're talking about the mindset

19
00:01:23,000 --> 00:01:26,000
Speaker 3: shift that can change your whole financial future and how

20
00:01:26,040 --> 00:01:27,319
Speaker 3: to start building it for real.

21
00:01:28,000 --> 00:01:28,840
Speaker 2: I'm excited, and.

22
00:01:28,840 --> 00:01:31,040
Speaker 3: I'm joined by Victoria de Mine, who has a very

23
00:01:31,200 --> 00:01:34,559
Speaker 3: abundant brain and also a real understanding of how money

24
00:01:34,600 --> 00:01:35,360
Speaker 3: actually works.

25
00:01:35,760 --> 00:01:39,600
Speaker 4: IBD, I have an abundant brain. Yeah, I like that,

26
00:01:39,840 --> 00:01:42,520
Speaker 4: but also I'm not entirely sure what that means.

27
00:01:42,640 --> 00:01:46,200
Speaker 2: No, actually, and me also, but it just felt right.

28
00:01:46,480 --> 00:01:47,720
Speaker 5: I just know I like it.

29
00:01:47,880 --> 00:01:49,640
Speaker 4: I like I feel like I do have an abundant

30
00:01:49,720 --> 00:01:51,880
Speaker 4: brain now, but I haven't for a very long time.

31
00:01:52,280 --> 00:01:54,880
Speaker 4: Like I do try very hard to focus on like

32
00:01:55,320 --> 00:01:57,880
Speaker 4: on abundan. It sounds real fluffy, but I think it

33
00:01:58,000 --> 00:02:01,040
Speaker 4: actually works. So I guess I am here for this

34
00:02:01,200 --> 00:02:04,880
Speaker 4: because honestly, when people ask me, VI, what's the one

35
00:02:04,960 --> 00:02:08,120
Speaker 4: thing that separates people who build wealth from those people

36
00:02:08,160 --> 00:02:13,080
Speaker 4: who stay stuck? It's not income. It's not even intelligence, right,

37
00:02:13,240 --> 00:02:17,200
Speaker 4: it's mindset. Like it's whether you believe wealth is actually

38
00:02:17,320 --> 00:02:20,080
Speaker 4: available to you or whether you're stuck in survival mode

39
00:02:20,120 --> 00:02:23,200
Speaker 4: without even realizing it. It is why I talk until

40
00:02:23,240 --> 00:02:26,560
Speaker 4: the Cows come Home about you understanding your money story

41
00:02:26,880 --> 00:02:29,359
Speaker 4: and where you have come from, Because if you cannot

42
00:02:29,440 --> 00:02:32,000
Speaker 4: understand where you're coming from, Beck, how do you create

43
00:02:32,160 --> 00:02:33,560
Speaker 4: a map to go where you want to go.

44
00:02:34,000 --> 00:02:34,960
Speaker 2: Yeah, that's so true.

45
00:02:35,000 --> 00:02:36,520
Speaker 4: Like you can't just get in the car and start

46
00:02:36,560 --> 00:02:38,040
Speaker 4: driving and be like, oh, I know I'm going to

47
00:02:38,120 --> 00:02:38,959
Speaker 4: end up in Queensland.

48
00:02:39,160 --> 00:02:40,240
Speaker 2: Yeah, well what if.

49
00:02:40,200 --> 00:02:43,200
Speaker 4: You're starting in Darwin? What if you're starting in Melbourne?

50
00:02:43,440 --> 00:02:45,639
Speaker 4: Like how do how do we know where the map

51
00:02:45,800 --> 00:02:48,959
Speaker 4: needs to lead? You know? Yes, yes, it's kind of

52
00:02:49,080 --> 00:02:51,840
Speaker 4: like it does sound a bit fluffy and I get that,

53
00:02:52,040 --> 00:02:56,400
Speaker 4: but bear with me because I'm a science girlie and

54
00:02:56,760 --> 00:03:00,320
Speaker 4: there is genuine, real science behind why mindset that is

55
00:03:00,400 --> 00:03:02,320
Speaker 4: for your money, yea, So we're going to share that with.

56
00:03:02,440 --> 00:03:04,560
Speaker 2: You, gorgeous, because I know it also matters.

57
00:03:04,639 --> 00:03:06,200
Speaker 3: Like the map thing, It's like you need to build

58
00:03:06,200 --> 00:03:08,079
Speaker 3: a map based on where you're starting from, and that

59
00:03:08,200 --> 00:03:10,400
Speaker 3: means that like maybe you're a person of color, maybe

60
00:03:10,440 --> 00:03:12,639
Speaker 3: you grew up in a really poor household.

61
00:03:12,680 --> 00:03:15,760
Speaker 2: It looks different for everyone. So the point is it

62
00:03:16,160 --> 00:03:17,840
Speaker 2: probably is possible to get there.

63
00:03:18,000 --> 00:03:18,239
Speaker 5: It is.

64
00:03:18,520 --> 00:03:20,120
Speaker 2: It just probably it is.

65
00:03:20,360 --> 00:03:23,240
Speaker 3: It is, It's just it looks very different for different people.

66
00:03:23,360 --> 00:03:26,800
Speaker 3: So exactly, let's start at the very beginning. What even

67
00:03:27,160 --> 00:03:28,799
Speaker 3: is an abundance mindset?

68
00:03:29,320 --> 00:03:33,079
Speaker 4: So an abundance mindset is hard it's hard because as

69
00:03:33,200 --> 00:03:37,400
Speaker 4: human beings, we are literally wired for survival. So remember that,

70
00:03:37,600 --> 00:03:40,000
Speaker 4: because when you're finding it hard, it's not because it's you.

71
00:03:40,280 --> 00:03:41,200
Speaker 2: It's because that's.

72
00:03:41,040 --> 00:03:44,840
Speaker 4: How we're wired. But believing that wealth is not a

73
00:03:44,920 --> 00:03:49,320
Speaker 4: limited resource is a very important start. It's believing that

74
00:03:49,560 --> 00:03:52,960
Speaker 4: it is genuinely possible to create more, not that success

75
00:03:53,160 --> 00:03:56,120
Speaker 4: or money is only for a lucky few like babe,

76
00:03:56,120 --> 00:03:58,440
Speaker 4: it's for you too. You just need to work for it,

77
00:03:58,920 --> 00:04:02,720
Speaker 4: like you just need to step into your abundance mindset era.

78
00:04:03,360 --> 00:04:06,920
Speaker 4: The opposite of that, though, is a scarcity mindset, which

79
00:04:06,960 --> 00:04:08,960
Speaker 4: I think we need to understand as much as an

80
00:04:08,960 --> 00:04:11,480
Speaker 4: abundance mindset. We're not trying to embrace it, but if

81
00:04:11,520 --> 00:04:14,120
Speaker 4: we don't understand it, we can't identify when we're falling

82
00:04:14,240 --> 00:04:17,719
Speaker 4: into it. And it's the belief that God, there's never enough,

83
00:04:18,360 --> 00:04:22,000
Speaker 4: that somebody else wins you loose, and that you have

84
00:04:22,160 --> 00:04:24,680
Speaker 4: to hoard and protect everything because there's not going to

85
00:04:24,720 --> 00:04:27,240
Speaker 4: be more. And if you know you're talking before you know,

86
00:04:27,279 --> 00:04:30,320
Speaker 4: if you grew up in a really poor background, you

87
00:04:30,440 --> 00:04:33,600
Speaker 4: are probably going to have that mindset of scarcity because

88
00:04:33,600 --> 00:04:35,480
Speaker 4: you're like, well, I don't know when we're going to

89
00:04:35,520 --> 00:04:37,479
Speaker 4: get paid next, or I don't know if we're going

90
00:04:37,520 --> 00:04:39,920
Speaker 4: to run out of food, Like I see it all

91
00:04:40,000 --> 00:04:44,160
Speaker 4: the time in these situations and conversations, and like it

92
00:04:44,320 --> 00:04:46,880
Speaker 4: makes me sad. But at the same time, I'm like,

93
00:04:46,960 --> 00:04:49,000
Speaker 4: how good is this that we're identifying this because we

94
00:04:49,040 --> 00:04:49,680
Speaker 4: can work with this.

95
00:04:50,400 --> 00:04:52,360
Speaker 2: We can work with this, like we can work with anything.

96
00:04:52,400 --> 00:04:54,840
Speaker 4: We just need to be able to articulate and identify

97
00:04:55,000 --> 00:04:59,120
Speaker 4: and that's perfect. And studies actually show us with a

98
00:04:59,200 --> 00:05:03,440
Speaker 4: growth orient mindset, an abundant mindset tends to be more

99
00:05:03,520 --> 00:05:08,119
Speaker 4: financially resilient. People with an abundance mindset back are better

100
00:05:08,279 --> 00:05:11,520
Speaker 4: at long term planning, and they are more likely to

101
00:05:11,640 --> 00:05:15,240
Speaker 4: invest in themselves, in their own skills and their own future.

102
00:05:15,839 --> 00:05:18,800
Speaker 2: Like, sorry, all of I want all of that, Like

103
00:05:19,000 --> 00:05:20,400
Speaker 2: all of that I would like to sign up for.

104
00:05:21,160 --> 00:05:23,279
Speaker 4: Do you not want that? Does not everyone not want

105
00:05:23,360 --> 00:05:25,440
Speaker 4: to be an abundant mindset person?

106
00:05:25,760 --> 00:05:26,200
Speaker 2: Exactly?

107
00:05:26,320 --> 00:05:28,440
Speaker 3: Yeah, that's so fair, but it can Yeah, definitely can

108
00:05:28,480 --> 00:05:30,520
Speaker 3: be disheartening when you're like, if you've grown up in

109
00:05:30,520 --> 00:05:32,200
Speaker 3: a household that's a little bit poorer and you're like,

110
00:05:32,240 --> 00:05:34,279
Speaker 3: I don't have that money to fall back, yeah.

111
00:05:34,200 --> 00:05:36,480
Speaker 4: Or like you might be telling yourself the story of like,

112
00:05:36,600 --> 00:05:39,520
Speaker 4: oh that's not possible for me. Yeah, you know, my

113
00:05:39,640 --> 00:05:42,880
Speaker 4: family don't do that, or no, like that's just not

114
00:05:43,040 --> 00:05:46,800
Speaker 4: how it works, like completely valid, but we can get

115
00:05:46,839 --> 00:05:47,160
Speaker 4: out of that.

116
00:05:47,279 --> 00:05:49,520
Speaker 2: So in the context of our money and finances, why

117
00:05:49,839 --> 00:05:52,880
Speaker 2: is this important? Because I said so, that's so true,

118
00:05:52,920 --> 00:05:54,480
Speaker 2: and that is the end of the show. You have

119
00:05:54,600 --> 00:05:55,560
Speaker 2: a good day, bye.

120
00:05:56,240 --> 00:05:59,000
Speaker 4: But honestly, I feel like I'm being a hippie dippy,

121
00:05:59,120 --> 00:06:02,960
Speaker 4: But like, let's step into this abundance mindset. It honestly

122
00:06:03,080 --> 00:06:06,960
Speaker 4: matters with money because it changes everything about how you

123
00:06:07,040 --> 00:06:11,600
Speaker 4: show up financially. It's not just about surviving the setbacks.

124
00:06:11,640 --> 00:06:15,120
Speaker 4: It's about being opened to building more, to creating more,

125
00:06:15,320 --> 00:06:17,840
Speaker 4: to earning more, and believing, go, there's enough for you

126
00:06:18,160 --> 00:06:19,520
Speaker 4: and everybody else, Like.

127
00:06:19,680 --> 00:06:22,400
Speaker 2: It's going to go all around and come around, and

128
00:06:22,520 --> 00:06:23,120
Speaker 2: if I'm.

129
00:06:23,080 --> 00:06:26,400
Speaker 4: Successful, that should just serve as a really good example.

130
00:06:26,880 --> 00:06:30,240
Speaker 4: Not I'm successful and therefore you're not going to be like,

131
00:06:30,360 --> 00:06:32,680
Speaker 4: my success does not come at the determent of yours.

132
00:06:33,120 --> 00:06:37,479
Speaker 4: When you're thinking in your abundant mindset, like we're thinking abundantly,

133
00:06:38,240 --> 00:06:40,000
Speaker 4: you are going to back yourself. You're going to be

134
00:06:40,040 --> 00:06:43,200
Speaker 4: able to ask for bigger salaries and better opportunities because

135
00:06:43,200 --> 00:06:46,360
Speaker 4: you know more success isn't limited. Like I'm not asking

136
00:06:46,440 --> 00:06:48,480
Speaker 4: for this and hoping that it's just me who gets this.

137
00:06:48,640 --> 00:06:51,320
Speaker 4: If I ask for this and get this, I'm paving

138
00:06:51,400 --> 00:06:54,919
Speaker 4: the way for everyone behind me. I'm setting an example.

139
00:06:55,480 --> 00:06:59,159
Speaker 4: I'm showing other people what's possible. You end up investing

140
00:06:59,200 --> 00:07:01,600
Speaker 4: in yourself and your gills, in your future because you

141
00:07:01,760 --> 00:07:04,000
Speaker 4: just trust everything's going to take along and keep growing

142
00:07:04,760 --> 00:07:07,800
Speaker 4: like it's not capped, like you don't succeed, and then

143
00:07:07,880 --> 00:07:10,880
Speaker 4: full stop, end of story, we're done. You spend in

144
00:07:11,040 --> 00:07:14,000
Speaker 4: line with your values, which I think is so important,

145
00:07:14,520 --> 00:07:18,040
Speaker 4: not fear knowing that your money is disappearing the second

146
00:07:18,120 --> 00:07:21,920
Speaker 4: that you use it, and you save and invest because

147
00:07:21,920 --> 00:07:24,400
Speaker 4: you believe in a future version of you who's thriving.

148
00:07:24,880 --> 00:07:29,679
Speaker 4: She's not struggling, she's thriving and she's living her best life,

149
00:07:29,800 --> 00:07:31,920
Speaker 4: like she's going to Meredith and she's not even thinking

150
00:07:31,960 --> 00:07:32,640
Speaker 4: about the budget.

151
00:07:32,800 --> 00:07:36,360
Speaker 2: That sounds so I really can't wait to be her, right,

152
00:07:36,480 --> 00:07:39,000
Speaker 2: But like she's there? Do we not want that? Yeah?

153
00:07:39,280 --> 00:07:41,560
Speaker 4: Like, do we not want to be in a situation

154
00:07:41,760 --> 00:07:43,880
Speaker 4: where we're just so comfy and we're living in line

155
00:07:43,920 --> 00:07:45,800
Speaker 4: with our values, and your values might be so different

156
00:07:45,840 --> 00:07:47,000
Speaker 4: to mine, and that is so cool.

157
00:07:47,800 --> 00:07:49,600
Speaker 2: Like genuinely, I can't.

158
00:07:49,360 --> 00:07:51,600
Speaker 4: Think of anything worse than going to Meredith, like not

159
00:07:51,680 --> 00:07:53,520
Speaker 4: showering for three days back. That's not for me.

160
00:07:54,840 --> 00:07:58,200
Speaker 5: It's really not like you imagine this goal at a

161
00:07:58,320 --> 00:08:02,120
Speaker 5: music festival, you'd thrive me you never know, you might

162
00:08:02,200 --> 00:08:05,040
Speaker 5: you know, I would embrace it for you, Beck, But

163
00:08:05,280 --> 00:08:07,720
Speaker 5: you know what I mean, everyone has different values and

164
00:08:07,840 --> 00:08:08,800
Speaker 5: that's really lovely.

165
00:08:09,200 --> 00:08:13,840
Speaker 4: But abundance turns money from something that you hoard or

166
00:08:13,920 --> 00:08:17,320
Speaker 4: something that you're scared of or are fearful of, into

167
00:08:17,400 --> 00:08:19,880
Speaker 4: something that you're building with. Yeah, like you don't have

168
00:08:19,920 --> 00:08:22,280
Speaker 4: to build what I'm building. You can go build your

169
00:08:22,320 --> 00:08:25,840
Speaker 4: own thing. It's so cool because money can turn into anything.

170
00:08:26,800 --> 00:08:28,440
Speaker 4: Money creates your reality.

171
00:08:28,880 --> 00:08:32,839
Speaker 3: Okay, okay, So abundance sounds so good. Why does it

172
00:08:32,880 --> 00:08:34,719
Speaker 3: feel so hard to actually believe in it? Like why

173
00:08:34,760 --> 00:08:35,880
Speaker 3: is it so easy to slip into that?

174
00:08:36,000 --> 00:08:40,360
Speaker 4: Like just like houses, we are all cavemen, Like at

175
00:08:40,400 --> 00:08:43,280
Speaker 4: the end of the day, we used to live in caves.

176
00:08:43,880 --> 00:08:47,880
Speaker 4: And I mean this is me like obviously stereotyping very seriously.

177
00:08:48,320 --> 00:08:51,640
Speaker 4: And you know what, we might kill one goat and

178
00:08:52,160 --> 00:08:54,640
Speaker 4: who knows when the next goat's coming, you know, like

179
00:08:54,840 --> 00:08:58,200
Speaker 4: you just didn't have that. So it is hardwired into

180
00:08:58,280 --> 00:09:01,800
Speaker 4: our brains to live in a scarcity mindset. And there's

181
00:09:01,840 --> 00:09:04,559
Speaker 4: a lot going on underneath, right, Like it could be

182
00:09:05,520 --> 00:09:08,000
Speaker 4: in a twenty twenty five context, it could be how

183
00:09:08,040 --> 00:09:10,720
Speaker 4: you grew up around money, the narrative that was fed

184
00:09:10,800 --> 00:09:12,920
Speaker 4: to you, Like you could have grown up in a

185
00:09:13,040 --> 00:09:19,199
Speaker 4: really really financially constricted family and it stressed everybody out

186
00:09:19,480 --> 00:09:21,800
Speaker 4: no one talked about money, or you could have grown

187
00:09:21,880 --> 00:09:26,079
Speaker 4: up really wealthy, and so you just think, oh, my goodness,

188
00:09:26,480 --> 00:09:30,120
Speaker 4: wealth is for really bad people. Like I've met so

189
00:09:30,200 --> 00:09:33,080
Speaker 4: many people who don't like wealth because they grew up

190
00:09:33,160 --> 00:09:35,640
Speaker 4: with wealth and they saw how it changed people. Right,

191
00:09:35,840 --> 00:09:38,000
Speaker 4: I get that that doesn't mean it has to be

192
00:09:38,080 --> 00:09:41,040
Speaker 4: your reality. Like how cool is it beck that I

193
00:09:41,160 --> 00:09:45,439
Speaker 4: can be financially successful and help others? Like, just because

194
00:09:45,800 --> 00:09:49,199
Speaker 4: money exists doesn't mean that it is inherently bad. We

195
00:09:49,280 --> 00:09:53,080
Speaker 4: could talk about broader economic anxiety. So like you're seeing

196
00:09:53,120 --> 00:09:56,079
Speaker 4: what's going on with what's happened in politics, or you're

197
00:09:56,120 --> 00:10:00,160
Speaker 4: seeing what's going on and you're happening on Trump, you

198
00:10:00,280 --> 00:10:03,120
Speaker 4: might be really anxious about what the future holds on

199
00:10:03,200 --> 00:10:08,280
Speaker 4: an economic level, and then real financial experiences like I'm

200
00:10:08,320 --> 00:10:13,000
Speaker 4: not dismissing that you losing your job was not insanely stressful.

201
00:10:13,720 --> 00:10:17,280
Speaker 2: That shit sucks, right, Like, I'm not saying, oh, let

202
00:10:17,280 --> 00:10:20,160
Speaker 2: we just reframe it. No, that sucks.

203
00:10:20,679 --> 00:10:23,679
Speaker 4: Like if you are struggling in debt, God, I get it.

204
00:10:23,800 --> 00:10:26,400
Speaker 4: I was in more than forty thousand dollars worth of

205
00:10:26,559 --> 00:10:30,440
Speaker 4: personal debt. It is crippling. It makes you feel sick,

206
00:10:30,600 --> 00:10:33,240
Speaker 4: It stops you from sleeping at night, It changes the

207
00:10:33,280 --> 00:10:37,439
Speaker 4: way that you interacting your relationships with your friends and family. Like,

208
00:10:37,840 --> 00:10:40,160
Speaker 4: I get it, But that doesn't mean that has to

209
00:10:40,240 --> 00:10:43,199
Speaker 4: be your reality forever. And that's why we're talking about this.

210
00:10:43,760 --> 00:10:47,000
Speaker 3: Yeah, okay, So when you grew up with financial pressure,

211
00:10:47,040 --> 00:10:49,840
Speaker 3: how does that shape your mindset long term?

212
00:10:50,200 --> 00:10:52,199
Speaker 2: Negatively? Yeah, I can imagine.

213
00:10:52,679 --> 00:10:58,079
Speaker 4: Research from the American Psychological Association has shown that early

214
00:10:58,240 --> 00:11:03,040
Speaker 4: financial stress can actually win your brain into chronic scarcity thinking,

215
00:11:03,440 --> 00:11:07,679
Speaker 4: where your default setting actually is always fear, cautiousness, and

216
00:11:08,040 --> 00:11:11,439
Speaker 4: distrust around money. So when they talk about that and

217
00:11:11,559 --> 00:11:14,760
Speaker 4: when you experience that, your brain is learning that money

218
00:11:14,840 --> 00:11:18,080
Speaker 4: disappears really quickly. Good things beck they do not last,

219
00:11:18,280 --> 00:11:21,720
Speaker 4: and security is actually fragile, like we can't have long

220
00:11:21,840 --> 00:11:24,520
Speaker 4: term security, Like you can feel secure this week, but

221
00:11:24,640 --> 00:11:27,720
Speaker 4: maybe next week that is gone and is very hard

222
00:11:27,960 --> 00:11:31,600
Speaker 4: to come out of that. And even once your circumstances improve,

223
00:11:31,800 --> 00:11:34,240
Speaker 4: that wiring can actually still be running underneath to make

224
00:11:34,280 --> 00:11:37,079
Speaker 4: it really hard to trust that abundance is possible for you.

225
00:11:37,520 --> 00:11:40,679
Speaker 4: So good example, you've grown up, you didn't have heaps

226
00:11:40,720 --> 00:11:44,280
Speaker 4: of money. You know, security was fleeting. Like one week

227
00:11:44,320 --> 00:11:46,280
Speaker 4: you'd be like, oh, we're eating well this week. You

228
00:11:46,360 --> 00:11:48,040
Speaker 4: know we have some extra money, but like a low

229
00:11:48,080 --> 00:11:50,120
Speaker 4: key in the back of your mind, you just know

230
00:11:50,240 --> 00:11:52,000
Speaker 4: that like a month from now is not going to

231
00:11:52,040 --> 00:11:53,600
Speaker 4: be like that. So you're kind of like making hey,

232
00:11:53,640 --> 00:11:55,720
Speaker 4: well the sun's shining, like you're enjoying it as much

233
00:11:55,720 --> 00:11:58,679
Speaker 4: as possible. But like what if now you have a

234
00:11:58,720 --> 00:12:01,400
Speaker 4: really secure job, you have your emergency fund, you have

235
00:12:01,559 --> 00:12:05,160
Speaker 4: your savings, but you're still feeling that like you're hoarding

236
00:12:05,240 --> 00:12:07,760
Speaker 4: the money and it's not helping you because you still

237
00:12:08,080 --> 00:12:10,360
Speaker 4: ultimately think, Okay, this is just for now, though, like

238
00:12:10,480 --> 00:12:12,959
Speaker 4: this is just for this minute, and next week or

239
00:12:13,040 --> 00:12:15,160
Speaker 4: next month it's going to blow up a or it's

240
00:12:15,200 --> 00:12:17,439
Speaker 4: going to be taken from me. That's not something you're

241
00:12:17,520 --> 00:12:20,600
Speaker 4: thinking every single day, but that's the deep seated feeling.

242
00:12:20,800 --> 00:12:23,120
Speaker 4: Like that is the deep rooted cause of why you

243
00:12:23,240 --> 00:12:25,719
Speaker 4: are in a scarcity mindset, and we need to tackle that.

244
00:12:26,360 --> 00:12:29,319
Speaker 4: Like you can have an okay income back, you can

245
00:12:29,480 --> 00:12:33,280
Speaker 4: have a heap of savings and still be operating in

246
00:12:33,360 --> 00:12:35,880
Speaker 4: a scarcity mindset. Like just because you get more money

247
00:12:35,920 --> 00:12:37,760
Speaker 4: doesn't mean you feel good about it. And that's why

248
00:12:37,840 --> 00:12:40,040
Speaker 4: we need to work on your mindset and your money story.

249
00:12:40,440 --> 00:12:43,200
Speaker 4: So it could look like, let's say that you now

250
00:12:43,280 --> 00:12:45,400
Speaker 4: have your emergency fund set up, like you've got good

251
00:12:45,440 --> 00:12:50,520
Speaker 4: income coming in. It could be panicking when you spend money,

252
00:12:51,000 --> 00:12:54,439
Speaker 4: Like you just go into Cole's and you're still feeling

253
00:12:54,640 --> 00:12:57,360
Speaker 4: real anxious when you have to tap your card even

254
00:12:57,400 --> 00:12:59,240
Speaker 4: though you know the money's on your account, and you're like,

255
00:13:00,000 --> 00:13:02,240
Speaker 4: this is essential spending, like I actually have to buy

256
00:13:02,320 --> 00:13:05,960
Speaker 4: bread and milk. Like it could be paying bills late

257
00:13:06,080 --> 00:13:07,680
Speaker 4: because you're like, oh, I want to keep the money

258
00:13:07,760 --> 00:13:10,600
Speaker 4: in my account for as long as possible, and then going,

259
00:13:10,720 --> 00:13:13,679
Speaker 4: damn it, I've gotten like a late fee. Oh, like

260
00:13:13,960 --> 00:13:15,800
Speaker 4: and feeling like you can't be good at money. But

261
00:13:15,880 --> 00:13:18,240
Speaker 4: the reality is you're just like holding onto it for

262
00:13:18,320 --> 00:13:19,880
Speaker 4: as long as possible. It's not that you're not good

263
00:13:19,920 --> 00:13:22,440
Speaker 4: at money, it's that you're scared of it. You could

264
00:13:22,520 --> 00:13:26,160
Speaker 4: be feeling like you can never like relax financially, or

265
00:13:26,320 --> 00:13:28,720
Speaker 4: believing that there's like only one right.

266
00:13:28,679 --> 00:13:31,160
Speaker 2: Opportunity and if you miss it, you're going to be doomed.

267
00:13:31,800 --> 00:13:33,520
Speaker 4: Like you know, if you didn't invest right now, if

268
00:13:33,559 --> 00:13:36,400
Speaker 4: you didn't invest five years, got your scrooge. It's so

269
00:13:36,679 --> 00:13:40,560
Speaker 4: often linked to that early emotional wiring that we're talking

270
00:13:40,640 --> 00:13:44,880
Speaker 4: about before, not actual financial danger. It's just like these

271
00:13:45,160 --> 00:13:50,400
Speaker 4: ingrained thoughts and feelings right, Like back to our caveman time. Right, So,

272
00:13:51,080 --> 00:13:53,000
Speaker 4: you know you left your cave, you went through a

273
00:13:53,080 --> 00:13:55,960
Speaker 4: nice wander, you're not wearing any shoes, and a bear

274
00:13:56,080 --> 00:14:00,600
Speaker 4: runs after you, bear scratches you. That's terrifying, that hurt.

275
00:14:00,760 --> 00:14:03,160
Speaker 4: Right next time you leave your cave, you can see

276
00:14:03,200 --> 00:14:05,439
Speaker 4: a bear off in the distance. How do you feel, Oh,

277
00:14:06,160 --> 00:14:09,240
Speaker 4: we're not happy about that. Not happy, We're scared, terrified.

278
00:14:09,400 --> 00:14:11,880
Speaker 4: Same thing happens with money. But money's the bear right

279
00:14:12,040 --> 00:14:14,520
Speaker 4: right right. Just because it's there doesn't mean it hasn't

280
00:14:14,600 --> 00:14:17,160
Speaker 4: hurt you before. We need to like go through some

281
00:14:17,400 --> 00:14:20,640
Speaker 4: therapy to work out. Oh maybe that bears a friend,

282
00:14:20,920 --> 00:14:22,720
Speaker 4: do you know what I mean? Sure, we need to

283
00:14:22,840 --> 00:14:27,880
Speaker 4: change it, and we can genuinely rewire our brain. One

284
00:14:27,920 --> 00:14:29,800
Speaker 4: of my favorite books is by a guy called I

285
00:14:29,880 --> 00:14:32,560
Speaker 4: believe it's Martin Deutsche and it's called The Brain That

286
00:14:32,720 --> 00:14:35,400
Speaker 4: Changed Itself. Yeah, nobody else is going to care about

287
00:14:35,400 --> 00:14:38,280
Speaker 4: this book recommendation except for me. But it is literally

288
00:14:38,480 --> 00:14:43,160
Speaker 4: about neuroplasticity and the ability to rewire your brain. And

289
00:14:43,280 --> 00:14:45,400
Speaker 4: we're not just talking about money stories here. We're talking

290
00:14:45,440 --> 00:14:50,760
Speaker 4: about people who had completely catastrophic accidents, you know, became paraplegic,

291
00:14:51,120 --> 00:14:54,480
Speaker 4: and they worked on rewiring their brain to make completely

292
00:14:54,640 --> 00:14:57,320
Speaker 4: different connections so that they were still able to function.

293
00:14:57,920 --> 00:14:59,160
Speaker 2: It's actually so cool.

294
00:14:59,400 --> 00:15:01,440
Speaker 4: But the reason I like it is like, well, if

295
00:15:01,480 --> 00:15:04,000
Speaker 4: they can do that, we can think differently about money.

296
00:15:04,520 --> 00:15:05,120
Speaker 2: Like if they can.

297
00:15:05,160 --> 00:15:10,640
Speaker 4: Literally rewire their brain to function differently and create this neuroplasticity,

298
00:15:11,360 --> 00:15:11,840
Speaker 4: I can do that.

299
00:15:12,560 --> 00:15:14,440
Speaker 2: I can do that with money. Yeah, I'll do it

300
00:15:14,480 --> 00:15:17,440
Speaker 2: for you, like I'll fix it. I love it. Okay,

301
00:15:17,760 --> 00:15:22,000
Speaker 2: So we can genuinely retrain our brains. That is really

302
00:15:22,360 --> 00:15:22,760
Speaker 2: good to know.

303
00:15:23,560 --> 00:15:25,480
Speaker 3: So let's say someone's listening to this right now, I'm

304
00:15:25,520 --> 00:15:27,680
Speaker 3: thinking that's literally me the bear.

305
00:15:28,480 --> 00:15:28,840
Speaker 2: The bear.

306
00:15:29,040 --> 00:15:33,000
Speaker 3: No, we are the caveman. Yeah, we're the caveman. What's

307
00:15:33,080 --> 00:15:35,800
Speaker 3: one small thing that they can do today to start

308
00:15:35,840 --> 00:15:36,280
Speaker 3: shifting that.

309
00:15:36,640 --> 00:15:37,600
Speaker 2: I'm not going to answer that.

310
00:15:37,680 --> 00:15:39,760
Speaker 4: I'm actually going to go to a really quick breakback,

311
00:15:40,160 --> 00:15:41,840
Speaker 4: because on the flip side, I'm going to answer that,

312
00:15:41,920 --> 00:15:43,200
Speaker 4: but I'm not just going to answer that. I'm going

313
00:15:43,280 --> 00:15:45,360
Speaker 4: to give you two super easy ways that you can

314
00:15:45,440 --> 00:15:49,320
Speaker 4: actually rewire your money mindset that you could literally start

315
00:15:49,360 --> 00:15:51,680
Speaker 4: doing today that is going to help your brain feel

316
00:15:51,680 --> 00:15:54,760
Speaker 4: a little bit safer and start stepping into like our

317
00:15:54,920 --> 00:15:55,840
Speaker 4: rich girl era.

318
00:15:56,120 --> 00:16:02,680
Speaker 2: Whoa, We'll be back in a minute. All right, welcome back, guys.

319
00:16:02,840 --> 00:16:06,280
Speaker 2: So before the break we really let us on a click.

320
00:16:06,680 --> 00:16:08,800
Speaker 4: I hyped it up too, so like, if these tips

321
00:16:08,840 --> 00:16:11,480
Speaker 4: are really terrible, pretend that hype up never happens.

322
00:16:11,600 --> 00:16:14,000
Speaker 2: Okay, okay, okay, I know they're good though, So, oh

323
00:16:14,040 --> 00:16:15,280
Speaker 2: my god, it's so excited.

324
00:16:15,600 --> 00:16:17,840
Speaker 4: So you did promise us some practical ways to actually

325
00:16:17,840 --> 00:16:20,920
Speaker 4: start building that rich girl mindset that needing to be

326
00:16:21,080 --> 00:16:24,120
Speaker 4: some finance bro or spreadsheet wizard. I'm a spreadsheet wizard,

327
00:16:24,600 --> 00:16:25,920
Speaker 4: so I've done it for you. We don't have a

328
00:16:26,000 --> 00:16:28,520
Speaker 4: finance bro, they're actually not welcome on my show. I

329
00:16:28,640 --> 00:16:31,400
Speaker 4: sometimes like Glenn James on my show because like he's

330
00:16:31,520 --> 00:16:34,280
Speaker 4: less finance bro. Yeah right, not a finance bro.

331
00:16:34,960 --> 00:16:37,560
Speaker 2: No, absolutely, So okay, but where do we be in?

332
00:16:37,680 --> 00:16:38,040
Speaker 1: All right?

333
00:16:38,760 --> 00:16:41,200
Speaker 4: The first thing you're going to do, we're building evidence

334
00:16:42,120 --> 00:16:45,360
Speaker 4: like I'm so sorry my case. We are building a

335
00:16:45,440 --> 00:16:48,440
Speaker 4: case like I wrote a thesis like I am, And

336
00:16:49,000 --> 00:16:51,320
Speaker 4: that's not the a flex. It's more like I feel

337
00:16:51,400 --> 00:16:53,600
Speaker 4: like whenever I do anything, I now have to properly

338
00:16:53,680 --> 00:16:58,160
Speaker 4: research and reference it, so like you should too. So

339
00:16:58,320 --> 00:17:00,000
Speaker 4: the first one is we are going to be colle

340
00:17:00,760 --> 00:17:04,640
Speaker 4: some real proof that money can flow, that money can stay,

341
00:17:04,960 --> 00:17:08,480
Speaker 4: that money can grow even in really small ways, Like

342
00:17:08,640 --> 00:17:12,239
Speaker 4: we don't need to be gas lighting ourselves. We need

343
00:17:12,359 --> 00:17:16,040
Speaker 4: to be creating proof. We're going to create a money

344
00:17:16,080 --> 00:17:19,359
Speaker 4: safety snapshot. So it's probably going to take ten minutes.

345
00:17:19,840 --> 00:17:23,639
Speaker 4: So I want you to list financial resources you currently have,

346
00:17:23,760 --> 00:17:26,359
Speaker 4: even if it's teeny tiny, so you might have like

347
00:17:26,960 --> 00:17:29,000
Speaker 4: fifty bucks or a hundred bucks or two hundred bucks

348
00:17:29,040 --> 00:17:32,439
Speaker 4: in your savings. Look at your pay slip, what are

349
00:17:32,480 --> 00:17:37,359
Speaker 4: your sick leave entitlements? Because that's financial security. Yeah true,

350
00:17:37,560 --> 00:17:39,680
Speaker 4: like hadding some sick leave knowing that you can go

351
00:17:39,920 --> 00:17:42,440
Speaker 4: on leave when you are sick and still get paid.

352
00:17:43,000 --> 00:17:45,840
Speaker 4: Oh my goodness, that is life changing. Do you have

353
00:17:45,920 --> 00:17:48,520
Speaker 4: access to centlink if not? What do you need to

354
00:17:48,600 --> 00:17:51,320
Speaker 4: do to get access to scent link if you need it? Like,

355
00:17:51,600 --> 00:17:55,720
Speaker 4: what's holding you back from applying? If you're experiencing financial distress,

356
00:17:56,359 --> 00:17:59,320
Speaker 4: you are teaching your brain I'm not as powerless as

357
00:17:59,359 --> 00:18:01,840
Speaker 4: my fears as I am, and fear is a very

358
00:18:01,960 --> 00:18:06,440
Speaker 4: strong emotion. Psychologists they actually call this resourcing, so naming

359
00:18:06,480 --> 00:18:09,080
Speaker 4: your safety neck so that your brain doesn't default to

360
00:18:09,280 --> 00:18:13,159
Speaker 4: like worst case scenario always like how many times have

361
00:18:13,240 --> 00:18:14,920
Speaker 4: you been in a financial pickleback?

362
00:18:15,240 --> 00:18:17,400
Speaker 2: And instead of looking at the facts, you're like, oh

363
00:18:17,480 --> 00:18:21,280
Speaker 2: my god, I am absolutely screwed. Yeah, like every day, Yeah,

364
00:18:21,480 --> 00:18:23,359
Speaker 2: you just go I'm in a pickle. But we're not

365
00:18:23,440 --> 00:18:24,240
Speaker 2: looking at the facts.

366
00:18:24,240 --> 00:18:25,800
Speaker 4: And if someone actually sat you down, like I can

367
00:18:25,880 --> 00:18:27,560
Speaker 4: imagine if I sat you down and said, okay, back, like,

368
00:18:27,640 --> 00:18:28,280
Speaker 4: let's have a look.

369
00:18:28,480 --> 00:18:30,920
Speaker 2: What can we do? How could we resource this? You'd

370
00:18:30,920 --> 00:18:32,680
Speaker 2: be like, oh, actually, I do feel a bit better.

371
00:18:32,920 --> 00:18:33,879
Speaker 2: Do that for yourself.

372
00:18:34,880 --> 00:18:38,680
Speaker 4: The next wishy washy, a little bit hippy dippy, bear

373
00:18:38,760 --> 00:18:42,240
Speaker 4: with me. We are starting a gratitude rich, Well, this

374
00:18:42,440 --> 00:18:45,280
Speaker 4: literally changed my life. So it might feel small, but

375
00:18:45,400 --> 00:18:48,320
Speaker 4: it has a very, very big impact on your mindset.

376
00:18:48,400 --> 00:18:52,720
Speaker 4: So every morning, lame write down three things you're grateful for.

377
00:18:53,040 --> 00:18:56,520
Speaker 4: This morning, I said that I was grateful for a coffee.

378
00:18:56,600 --> 00:18:59,360
Speaker 4: I said that I was grateful that my baby woke

379
00:18:59,440 --> 00:19:02,920
Speaker 4: up instead of screaming. And I was really grateful that

380
00:19:03,000 --> 00:19:05,879
Speaker 4: I had an extra five minutes to actually do my makeup,

381
00:19:05,960 --> 00:19:09,480
Speaker 4: not in the car. It doesn't have to be bougie, right, Like,

382
00:19:09,560 --> 00:19:11,840
Speaker 4: it doesn't have to be like I am grateful for

383
00:19:12,560 --> 00:19:15,399
Speaker 4: this person solving world hunger. Like it doesn't have to

384
00:19:15,440 --> 00:19:17,920
Speaker 4: be that dramatic like yours could be. I'm actually really

385
00:19:17,960 --> 00:19:20,679
Speaker 4: grateful that I have twenty three bucks in my savings account.

386
00:19:21,160 --> 00:19:23,320
Speaker 4: Or I'm really grateful that I actually paid my rent

387
00:19:23,400 --> 00:19:25,720
Speaker 4: on time this month. That's an achievement. If you don't

388
00:19:25,760 --> 00:19:27,600
Speaker 4: do that consistently, how good is it when you do

389
00:19:27,760 --> 00:19:28,440
Speaker 4: do it on time?

390
00:19:28,680 --> 00:19:30,040
Speaker 2: Totally? Like that is slay.

391
00:19:30,400 --> 00:19:33,879
Speaker 4: This shows your brain, Hey, there's actually already some abundance

392
00:19:33,960 --> 00:19:37,320
Speaker 4: going on here, and that makes it so much easier

393
00:19:37,400 --> 00:19:38,000
Speaker 4: to believe that.

394
00:19:38,080 --> 00:19:39,119
Speaker 2: It is possible.

395
00:19:39,840 --> 00:19:44,520
Speaker 4: It might sound tippydippy, but back to the research, neuroscientists

396
00:19:44,600 --> 00:19:49,600
Speaker 4: have actually found that attentive gratitude practices they actually rewire

397
00:19:49,760 --> 00:19:53,600
Speaker 4: your brain and the pathways linked to optimism and resilience.

398
00:19:53,840 --> 00:19:55,920
Speaker 4: So you might go, V, this is so lame. Why

399
00:19:55,920 --> 00:19:58,320
Speaker 4: am I writing down three things that I'm grateful for?

400
00:19:58,640 --> 00:20:00,440
Speaker 4: And in the moment you might be like, no, this

401
00:20:00,600 --> 00:20:03,320
Speaker 4: is so dumb, and then you like write down really

402
00:20:03,359 --> 00:20:04,560
Speaker 4: flippant things that.

403
00:20:04,720 --> 00:20:05,520
Speaker 2: Is still working.

404
00:20:05,760 --> 00:20:08,720
Speaker 4: Yeah, I promise just by focusing on it, Like I'm

405
00:20:08,760 --> 00:20:10,520
Speaker 4: not just saying this because I'm like, eh, it'll make

406
00:20:10,560 --> 00:20:14,959
Speaker 4: you feel better. No, neuroscience says that this will actually

407
00:20:15,119 --> 00:20:17,800
Speaker 4: help you pave different pathways, and that is what we

408
00:20:17,880 --> 00:20:20,680
Speaker 4: are trying to do. And according to a study from

409
00:20:20,920 --> 00:20:24,240
Speaker 4: the Greater Good Science Center, people who kept a daily

410
00:20:24,359 --> 00:20:30,080
Speaker 4: gratitude journal for just three weeks reported significantly higher optimism,

411
00:20:30,680 --> 00:20:35,760
Speaker 4: lower stress, and even made better financial decisions.

412
00:20:36,080 --> 00:20:37,280
Speaker 2: Wow, isn't that cool?

413
00:20:37,560 --> 00:20:41,040
Speaker 3: Yeah, that's while that like actually very motivating to know

414
00:20:41,160 --> 00:20:42,720
Speaker 3: that it really doesn't take that long. It's not like

415
00:20:43,119 --> 00:20:47,720
Speaker 3: six months of very in depth gratitude journaling.

416
00:20:48,520 --> 00:20:51,520
Speaker 4: Three weeks, three weeks, three things, and every single morning.

417
00:20:51,960 --> 00:20:54,160
Speaker 4: You could do it at night as well, Like I'm

418
00:20:54,240 --> 00:20:56,320
Speaker 4: not sure about the researched. I mean I do it

419
00:20:56,400 --> 00:20:58,240
Speaker 4: in the morning because that's what the research says. But

420
00:20:58,359 --> 00:20:59,879
Speaker 4: like maybe you want to make that part of your

421
00:21:00,280 --> 00:21:04,040
Speaker 4: nightly like reflection or whatever. And it does sound lame,

422
00:21:04,440 --> 00:21:06,840
Speaker 4: but I promise when you start doing these things, you

423
00:21:06,960 --> 00:21:09,560
Speaker 4: go fire out. This is actually starting to rewhy are

424
00:21:09,600 --> 00:21:11,480
Speaker 4: my brain and down it it works, do you know

425
00:21:11,520 --> 00:21:15,240
Speaker 4: what I mean? I thought it was dumb and then

426
00:21:15,280 --> 00:21:18,359
Speaker 4: I did it, and I still think it sounds dumb.

427
00:21:18,720 --> 00:21:21,160
Speaker 4: The dumb thing work. Unfortunately it's working.

428
00:21:21,280 --> 00:21:24,439
Speaker 2: Yeah, exactly. That actually feels so doable.

429
00:21:24,800 --> 00:21:27,119
Speaker 3: So it's just about starting to show your brain that

430
00:21:27,160 --> 00:21:30,639
Speaker 3: you're already safer, already more capable than you probably give yourself.

431
00:21:30,359 --> 00:21:31,880
Speaker 4: A one hundred percent and you know what one could

432
00:21:31,880 --> 00:21:35,200
Speaker 4: be tomorrow morning back. Yeah, listen to a money podcast.

433
00:21:35,480 --> 00:21:37,679
Speaker 4: There you go putting yourself ahead. Do you know how

434
00:21:37,720 --> 00:21:40,520
Speaker 4: many people don't listen to money podcasts. If you're listening

435
00:21:40,560 --> 00:21:44,000
Speaker 4: to a money podcast, you clearly want better for yourself.

436
00:21:44,240 --> 00:21:45,200
Speaker 2: Yeah, that's so true.

437
00:21:45,440 --> 00:21:48,359
Speaker 4: Like you're clearly already in this situation where you're like,

438
00:21:48,480 --> 00:21:50,440
Speaker 4: I'm going to listen to a podcast on mindset. I'm

439
00:21:50,440 --> 00:21:53,280
Speaker 4: gonna listen to a podcast about hopefully putting myself in

440
00:21:53,320 --> 00:21:53,960
Speaker 4: a better position.

441
00:21:54,040 --> 00:21:56,720
Speaker 2: If you're listening to this, I'm talking to you so true.

442
00:21:56,800 --> 00:21:58,360
Speaker 2: Some people have said to me like, I can't listen

443
00:21:58,359 --> 00:22:00,200
Speaker 2: to shoes on the Money yet I'm not there, I'm

444
00:22:00,200 --> 00:22:02,200
Speaker 2: not ready. Yeah, I hear it all the time.

445
00:22:02,320 --> 00:22:04,560
Speaker 3: You're here and you're ready, and it doesn't matter if

446
00:22:04,560 --> 00:22:06,560
Speaker 3: you're technically doing things or not.

447
00:22:06,720 --> 00:22:10,080
Speaker 2: Like this is huge. I'm not scary, I promise anyway.

448
00:22:10,720 --> 00:22:12,160
Speaker 2: So what do we do next?

449
00:22:12,520 --> 00:22:14,840
Speaker 4: Yeah, So, once you've got the first layer, which is

450
00:22:14,920 --> 00:22:17,840
Speaker 4: like your evidence, building the proof that says, hey, actually

451
00:22:17,920 --> 00:22:21,280
Speaker 4: maybe I am okay, the next step is actually building

452
00:22:21,520 --> 00:22:26,119
Speaker 4: capacities a little bit more challenging. I'm sorry, because abundance

453
00:22:26,200 --> 00:22:29,080
Speaker 4: isn't just about like feeling safe, right, Like feeling safe

454
00:22:29,200 --> 00:22:31,400
Speaker 4: is good, and it is really important because it takes

455
00:22:31,440 --> 00:22:33,120
Speaker 4: our fight or flight response away.

456
00:22:33,280 --> 00:22:35,000
Speaker 2: It makes us not feel so stressed.

457
00:22:35,520 --> 00:22:39,560
Speaker 4: It's about learning how to hold more, more money, more options,

458
00:22:39,880 --> 00:22:43,280
Speaker 4: more success. Because if no one ever showed you how

459
00:22:43,320 --> 00:22:46,520
Speaker 4: to feel secure with money, or they didn't teach you

460
00:22:46,600 --> 00:22:50,000
Speaker 4: how to trust that good things can stay, then having

461
00:22:50,040 --> 00:22:52,639
Speaker 4: more just feels as scary as not having enough, like

462
00:22:52,840 --> 00:22:57,199
Speaker 4: it genuinely does. So building capacity means getting better at

463
00:22:57,280 --> 00:23:01,960
Speaker 4: letting things go well. It's about noting when things start working.

464
00:23:02,560 --> 00:23:06,920
Speaker 4: It's not about literally ruining it for yourself. So many

465
00:23:06,960 --> 00:23:09,159
Speaker 4: people get money and they're like, oh my god, it

466
00:23:09,200 --> 00:23:11,879
Speaker 4: feels too good to be true, and they self sabotage.

467
00:23:12,440 --> 00:23:13,919
Speaker 2: They ruin it for themselves.

468
00:23:13,960 --> 00:23:16,680
Speaker 4: They blow all of their emergency savings because they're like,

469
00:23:16,840 --> 00:23:19,800
Speaker 4: this feels uncomfortable, and do you know what feels comfortable?

470
00:23:20,000 --> 00:23:22,920
Speaker 4: What I always know, And while that might not be comfortable,

471
00:23:22,960 --> 00:23:25,320
Speaker 4: I know what to expect. So I'm going to end

472
00:23:25,400 --> 00:23:28,040
Speaker 4: up broke again. It happens to the best of us.

473
00:23:28,520 --> 00:23:33,320
Speaker 4: So building capacity means that we are letting ourselves keep

474
00:23:33,359 --> 00:23:36,520
Speaker 4: the race, enjoy the trip. We are backing ourselves for

475
00:23:36,600 --> 00:23:39,359
Speaker 4: the next step without waiting for it to all fall apart.

476
00:23:40,119 --> 00:23:43,880
Speaker 4: Capacity beck it means saving even when it's really uncomfortable,

477
00:23:44,440 --> 00:23:46,560
Speaker 4: not just when it's really easy to save, not just

478
00:23:46,640 --> 00:23:49,000
Speaker 4: when you're like, oh, well, I could save this month

479
00:23:49,080 --> 00:23:52,159
Speaker 4: because I didn't go out, so therefore I have an

480
00:23:52,200 --> 00:23:54,680
Speaker 4: extra fifty dollars and I can save this month.

481
00:23:55,000 --> 00:23:55,879
Speaker 2: God, that's easy.

482
00:23:57,040 --> 00:23:59,359
Speaker 4: We are needing to put a framework in place so

483
00:23:59,440 --> 00:24:02,240
Speaker 4: that fifty as is consistent even when it's not super

484
00:24:02,320 --> 00:24:06,480
Speaker 4: comfortable because that's what's creating capacity for us. We're going

485
00:24:06,560 --> 00:24:08,560
Speaker 4: to ask for more. We expect people to respect us.

486
00:24:09,240 --> 00:24:10,600
Speaker 4: We're going to ask for a raise. We're going to

487
00:24:10,640 --> 00:24:11,960
Speaker 4: ask for a better deal. We're going to ask for

488
00:24:12,000 --> 00:24:14,920
Speaker 4: an opportunity. You're at jb Hi Fi and you're buying

489
00:24:15,480 --> 00:24:17,480
Speaker 4: a product, we are going to ask for a better deal.

490
00:24:17,920 --> 00:24:18,960
Speaker 2: It is uncomfortable.

491
00:24:19,359 --> 00:24:22,840
Speaker 4: Get comfortable with the uncomfortable, right, We're going to back

492
00:24:22,880 --> 00:24:25,000
Speaker 4: ourselves to take a risk that you used to think

493
00:24:25,200 --> 00:24:27,879
Speaker 4: was like only for other people. It's not for me,

494
00:24:28,000 --> 00:24:31,119
Speaker 4: it's only for other people. Why it's all for you, baby,

495
00:24:31,320 --> 00:24:35,200
Speaker 4: all for you. It's all for you, willing to just

496
00:24:35,800 --> 00:24:40,760
Speaker 4: have more, not self sabotaging. When things start to get good,

497
00:24:41,240 --> 00:24:44,160
Speaker 4: and I know you all do it, we all do yes,

498
00:24:44,440 --> 00:24:47,520
Speaker 4: very human nature. We want to revert back to being

499
00:24:47,680 --> 00:24:51,000
Speaker 4: where we were most comfortable and we are comfortable with

500
00:24:51,280 --> 00:24:55,280
Speaker 4: what we can expect. And if you start being uncomfortable,

501
00:24:55,320 --> 00:24:57,119
Speaker 4: we need to ask ourselves why is it just because

502
00:24:57,119 --> 00:25:00,920
Speaker 4: we haven't been here before? Potentially this is often when

503
00:25:01,080 --> 00:25:03,960
Speaker 4: people they start to hit like an emotional wall because

504
00:25:03,960 --> 00:25:08,880
Speaker 4: abundance it doesn't just feel good. Sometimes it feels really unfamiliar.

505
00:25:09,600 --> 00:25:10,760
Speaker 4: And honestly scary.

506
00:25:10,960 --> 00:25:11,320
Speaker 2: Mm hmm.

507
00:25:11,400 --> 00:25:13,680
Speaker 3: Okay, but what about when bad stuff does happen, because

508
00:25:13,680 --> 00:25:14,480
Speaker 3: it does feel a little bit.

509
00:25:14,440 --> 00:25:16,080
Speaker 4: Bad stuff does still happen, Like we're not going to

510
00:25:16,119 --> 00:25:17,240
Speaker 4: pretend it doesn't, right.

511
00:25:17,359 --> 00:25:21,200
Speaker 3: Yeah, it does feel a bit unrealistic. I think to say,

512
00:25:21,960 --> 00:25:25,240
Speaker 3: believe in abundance when you get hit with like when

513
00:25:26,240 --> 00:25:30,600
Speaker 3: it feels like it feels like we're running an MLM cult. Yeah,

514
00:25:31,119 --> 00:25:33,000
Speaker 3: like you're like, oh, I'm not making any.

515
00:25:32,840 --> 00:25:36,080
Speaker 4: Sales, and I'm like, just believe the sales are coming back, Like,

516
00:25:37,040 --> 00:25:41,360
Speaker 4: that's not it. I think bad things can still happen. Yeah,

517
00:25:41,400 --> 00:25:44,720
Speaker 4: and real abundance mindset, it's not about pretending that life

518
00:25:44,760 --> 00:25:47,200
Speaker 4: doesn't throw your curve ball. It's about believing that you

519
00:25:47,400 --> 00:25:50,840
Speaker 4: can absolutely recover, not believing that you'll never fall over

520
00:25:50,880 --> 00:25:51,240
Speaker 4: it again.

521
00:25:51,560 --> 00:25:51,760
Speaker 3: Yeah.

522
00:25:51,960 --> 00:25:52,120
Speaker 1: Right.

523
00:25:52,520 --> 00:25:57,159
Speaker 4: Studies show that people who practice realistic optimism, not the

524
00:25:57,280 --> 00:26:02,880
Speaker 4: Lulu optimism. The key there is realistic, not blind faith. Beck.

525
00:26:03,520 --> 00:26:07,080
Speaker 4: They're more resilient financially and emotionally after setbacks like.

526
00:26:07,160 --> 00:26:08,119
Speaker 2: That thousand dollars.

527
00:26:08,520 --> 00:26:11,560
Speaker 4: Yeah, it's gonna suck, we'll work it out, but it

528
00:26:11,640 --> 00:26:15,520
Speaker 4: doesn't make you feel as trash as it would have historically. Right,

529
00:26:15,600 --> 00:26:18,879
Speaker 4: it's about going, oh, this happened, but it is what

530
00:26:19,040 --> 00:26:21,600
Speaker 4: it is, and we will move forward because more money

531
00:26:21,680 --> 00:26:24,760
Speaker 4: is coming. Like I think so many times we would

532
00:26:24,880 --> 00:26:27,600
Speaker 4: fall into well i'm real now and financially I'm done.

533
00:26:27,960 --> 00:26:30,840
Speaker 4: I'm done, I'm bad at this, I suck. Yeah that's

534
00:26:30,920 --> 00:26:33,399
Speaker 4: not it. That's not how we speak to ourselves in

535
00:26:33,480 --> 00:26:37,640
Speaker 4: this house. No, absolutely not. And if you think you're helpless,

536
00:26:38,200 --> 00:26:40,920
Speaker 4: go you give up. I'm helpless. I can't do anything

537
00:26:40,960 --> 00:26:42,760
Speaker 4: about this. I'm just going to go back to bed.

538
00:26:43,359 --> 00:26:46,320
Speaker 4: But if you think you can rebuild, you can actually

539
00:26:46,359 --> 00:26:48,560
Speaker 4: take action. You could call the mechanic and you could

540
00:26:48,600 --> 00:26:50,760
Speaker 4: be like, hey, I don't have a thousand dollars. Could

541
00:26:50,800 --> 00:26:53,479
Speaker 4: we please work out like a payment plan and then

542
00:26:53,480 --> 00:26:55,640
Speaker 4: we could shift our budget for the month and work

543
00:26:55,680 --> 00:26:58,159
Speaker 4: out how we're going to make that a reality. Like

544
00:26:58,280 --> 00:27:00,959
Speaker 4: we're just facing tasks head on. Okay, this it's more

545
00:27:01,040 --> 00:27:03,880
Speaker 4: like I trust myself even when it's messy. Absolutely, because

546
00:27:03,920 --> 00:27:06,320
Speaker 4: you're not making like bad things are still going to happen.

547
00:27:06,800 --> 00:27:09,520
Speaker 4: But like, girl, you're equipped, you can deal with this. Yeah,

548
00:27:09,600 --> 00:27:12,680
Speaker 4: you're the tools abundance. It's not about being delulu. It's

549
00:27:12,720 --> 00:27:15,200
Speaker 4: about backing yourself even when it feels messy even when

550
00:27:15,240 --> 00:27:18,119
Speaker 4: it feels hard, because you trust that there's something bigger

551
00:27:18,160 --> 00:27:20,480
Speaker 4: waiting for you if you just keep showing up and

552
00:27:21,160 --> 00:27:23,199
Speaker 4: you don't need a million dollars in your bank account

553
00:27:23,280 --> 00:27:26,639
Speaker 4: to actually start living like that. Yes, it just it

554
00:27:26,720 --> 00:27:29,239
Speaker 4: blows my mind how many people say, well, I'm going

555
00:27:29,320 --> 00:27:31,879
Speaker 4: to need to wait until I have more money before I,

556
00:27:32,080 --> 00:27:36,000
Speaker 4: you know, feel successful. Like, no, girl, you won't feel

557
00:27:36,040 --> 00:27:38,320
Speaker 4: successful with a million dollars in your bank account.

558
00:27:38,480 --> 00:27:38,960
Speaker 2: That's so true.

559
00:27:38,960 --> 00:27:41,119
Speaker 3: That was me literally right before this episode, and I

560
00:27:41,200 --> 00:27:43,440
Speaker 3: was like, oh, I'll start saving when I know more,

561
00:27:43,480 --> 00:27:43,800
Speaker 3: But it's not.

562
00:27:43,800 --> 00:27:46,160
Speaker 4: The case because that's easy, and then you'll just fall

563
00:27:46,200 --> 00:27:47,760
Speaker 4: off the bandwagon.

564
00:27:47,160 --> 00:27:50,200
Speaker 2: The next month. Okay, okay, I love this so much.

565
00:27:50,320 --> 00:27:52,320
Speaker 2: I think it's like the perfect way to wrap this up.

566
00:27:52,359 --> 00:27:52,920
Speaker 2: You're done with this.

567
00:27:53,160 --> 00:27:53,600
Speaker 5: I like it.

568
00:27:53,840 --> 00:27:55,879
Speaker 3: I am because I'm really to start money life, my

569
00:27:55,960 --> 00:27:57,879
Speaker 3: abundance life exactly.

570
00:27:58,080 --> 00:28:00,600
Speaker 2: We are going to kick scarcity minds. Yeah.

571
00:28:01,359 --> 00:28:03,159
Speaker 3: So if you know someone who's stuck in a bit

572
00:28:03,160 --> 00:28:06,160
Speaker 3: of its scarcity mindset, and no fault to them, because

573
00:28:06,160 --> 00:28:08,320
Speaker 3: we've all been there, send them this episode.

574
00:28:08,600 --> 00:28:10,239
Speaker 2: Let's help them start backing themselves too.

575
00:28:10,400 --> 00:28:13,239
Speaker 4: Absolutely, and don't forget to follow and subscribe to us

576
00:28:13,320 --> 00:28:15,600
Speaker 4: wherever you get your podcasts, so that we can continue

577
00:28:15,640 --> 00:28:18,360
Speaker 4: to bring you the money wisdom that hopefully you love.

578
00:28:18,800 --> 00:28:20,359
Speaker 2: Have a good week, guys, BI guys.

579
00:28:26,640 --> 00:28:29,159
Speaker 6: The advice shared on She's on the Money is general

580
00:28:29,240 --> 00:28:33,080
Speaker 6: in nature and does not consider your individual circumstances. She's

581
00:28:33,119 --> 00:28:36,560
Speaker 6: on the Money exists purely for educational purposes and should

582
00:28:36,600 --> 00:28:39,760
Speaker 6: not be relied upon to make an investment or financial decision.

583
00:28:40,160 --> 00:28:42,600
Speaker 6: If you do choose to buy a financial product, read

584
00:28:42,640 --> 00:28:45,960
Speaker 6: the PDS TMD and obtain appropriate financial.

585
00:28:45,560 --> 00:28:47,320
Speaker 2: Advice tailored towards your needs.

586
00:28:47,720 --> 00:28:51,600
Speaker 6: Victoria Divine and She's on the Money are authorized representatives

587
00:28:51,720 --> 00:28:55,520
Speaker 6: of Money showper pty Ltd ABN three two one IS

588
00:28:55,600 --> 00:28:59,440
Speaker 6: six four nine two seven seven zero eight AFSL four

589
00:28:59,520 --> 00:29:01,040
Speaker 6: or five one two eight nine

590
00:29:11,000 --> 00:29:11,040
Speaker 5: H