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Speaker 1: Hello, my name is Sanatasha Nabananga Bamblet. I'm a proud

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Speaker 1: or the Order Kerni Whaltbury and a waddery woman. And

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Speaker 1: before we get started on She's on the Money podcast,

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Speaker 1: I would like to acknowledge the traditional custodians of the

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Speaker 1: land of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: 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 2: Hello, and welcome to She's on the Money the podcast.

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Speaker 4: I believes rich giral energy isn't about discipline, It's about systems.

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Speaker 2: If you've ever thought, I know, isn't that nute girl energy?

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Speaker 3: Yeah?

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Speaker 2: Okay, okay, I like it going all right.

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Speaker 4: If you've ever thought, why can't I just stick to

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Speaker 4: a budget? Or why do I keep making the same

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Speaker 4: mistakes over and over that do literually me spoiler alert,

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Speaker 4: it's not.

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Speaker 2: Because you're bad with money.

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Speaker 4: It's because money habits aren't about discipline, They're about systems. VD,

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Speaker 4: I'm excited and joining me is the woman who turns

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Speaker 4: financial stress into financial confidence, the queen of realistic money advice.

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Speaker 4: Nice of you, Well, I was in a good mood today,

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Speaker 4: Oh thank you.

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Speaker 5: I think it's so interesting because everybody looks at me

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Speaker 5: and thinks that maybe I am so good at money

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Speaker 5: and discipline.

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Speaker 2: Yeah, and like I'm not.

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Speaker 5: I'm just good at creating systems that work and still

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Speaker 5: giving myself enough breathing room to feel like I'm not

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Speaker 5: confined by a budget. But like, if we don't have

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Speaker 5: the right system set up, we can't be successful. So

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Speaker 5: I think from my perspective, and you know, knowing that

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Speaker 5: I am a magpie, you could say I needed a

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Speaker 5: system that took away essentially a lot of the control

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Speaker 5: that said, this is the money you can play with,

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Speaker 5: this is the money that you cannot play with. Go

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Speaker 5: forth and prosper right, Okay, okay. See the problem is

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Speaker 5: that I do do this and I spend it anyway.

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Speaker 5: That's human nature, right, Like, You're not the problem. You

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Speaker 5: are not the problem, and none of us are the problem.

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Speaker 5: The problem is not having a system that works for you.

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Speaker 5: Because I can almost guarantee if I set you up,

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Speaker 5: and you had a system and gave you enough cash

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Speaker 5: back that you could still go to the pub with

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Speaker 5: your mates, have a few soda waters. You could still

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Speaker 5: you know, live life to the fullest. But in the background,

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Speaker 5: all your bills were being paid and your savings were

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Speaker 5: banking up slowly.

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Speaker 2: You'd feel really confident. Yeah. Yeah, and often.

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Speaker 5: Once we have that financial security in the background, but

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Speaker 5: you're not as impulsive because you're not looking for instant gratification,

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Speaker 5: because you're gratified.

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Speaker 2: Yeah, like you know when you're just like, oh, I'm

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Speaker 2: all good, I don't need anything. Like that's where we're

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Speaker 2: getting to.

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Speaker 5: Whereas I think a lot of us use instant gratification,

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Speaker 5: especially around spending, as a coping mechanism to feel like

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Speaker 5: we're in control of our money. And like, obviously I'm

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Speaker 5: a bit of a stat scale and forty four percent

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Speaker 5: of your daily behaviors are actually automatic, so they just

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Speaker 5: happen without you even thinking. But if you're stuck in

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Speaker 5: like a bad loop, like maybe you're like me and

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Speaker 5: you get a little bit scroll happy, or you're good

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Speaker 5: at overspending, or you're really good at getting uber eats

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Speaker 5: when maybe you should just be cooking the pasta that

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Speaker 5: you have at home. It's actually not about personal failure.

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Speaker 5: It doesn't mean that you are bad at money. It's

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Speaker 5: actually just a really well rehearsed system.

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Speaker 2: And as a human being, do you know what we like?

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Speaker 5: We like predictability, we like comfort, we like stability. I

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Speaker 5: was literally having this conversation at work yesterday because I

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Speaker 5: have just changed beck side note a whole heap of

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Speaker 5: systems in Zell the Money, and one of my team goes, oh,

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Speaker 5: but I really liked the old document. I'm thinking the

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Speaker 5: old document's ugly. The new document is slay, like what's

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Speaker 5: going on here? And I'm like trying to dive into it.

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Speaker 5: I'm like, you know, what about the old document? Did

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Speaker 5: you like that the new document doesn't have? Because I

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Speaker 5: can always guarantee you like like for like that the

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Speaker 5: new one's better.

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Speaker 2: She's like, Oh, it just.

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Speaker 5: Feels really comfortable, Like I know it, I know how

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Speaker 5: to talk through it with clients. This new one I

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Speaker 5: haven't really had any experience talking through with clients and

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Speaker 5: you just go so you're comfortable. I totally guess that.

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Speaker 5: But if we can make you comfortable with this new

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Speaker 5: system and this new way of talking it's going to

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Speaker 5: be better. Yeah, but not changing is not actually a

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Speaker 5: positive thing. Like it's so good to grow and change,

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Speaker 5: but it doesn't mean that you're bad at things. It

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Speaker 5: just means there's a new, updated system that's working better.

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Speaker 2: Yeah, I know that.

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Speaker 5: When our phone sends that reminder, oh, do you want

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Speaker 5: to update the system tonight, we all say, oh no,

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Speaker 5: I can't be bothered with a new operating system. But

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Speaker 5: then when you got it, you take new friends, being like,

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Speaker 5: did you see those new emojis?

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Speaker 1: Yes?

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Speaker 2: Oh yeah, I love the new emojis.

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Speaker 5: Exactly, Yes I did, and I want those, But like,

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Speaker 5: I just don't want change right now.

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Speaker 2: Yes, God, it's uncomfortable.

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Speaker 4: You know, an ideal world, change would happen and we

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Speaker 4: would just immediately adapt to that, having to do any

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Speaker 4: work that would be ideal.

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Speaker 5: But basically our brains are still wired as though we're

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Speaker 5: cavemen back.

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Speaker 4: That's true, but also adapting is inevitable and that is

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Speaker 4: a beautiful thing.

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Speaker 2: But I do want an OVD. How do we actually

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Speaker 2: break those habits and start building better ones.

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Speaker 5: It's hard because we have to be a little bit

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Speaker 5: real with ourselves.

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Speaker 2: I don't want to be real, No, because it's.

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Speaker 5: Not fun, right, Like we have to identify the habits

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Speaker 5: that aren't serving us, and that doesn't feel good. Like

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Speaker 5: if I sit you down and be like, okay, cool,

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Speaker 5: like you said you want to change, what about you

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Speaker 5: do you want to change, You're going to be like, oh, nothing, nothing,

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Speaker 5: I'm perfect in it and actually okay, But it's confronting

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Speaker 5: right when you go, oh, actually, I do spend too

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Speaker 5: much here, or I'm not prioritizing my savings or I'm

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Speaker 5: not because we have to change our system, so I

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Speaker 5: think we have to get really real about it. And ultimately,

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Speaker 5: you're not making bad choices on purpose. You're literally just

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Speaker 5: repeating what your brain sees as really easy and really familiar.

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Speaker 5: Like if you are comfortable doing that, and like the

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Speaker 5: outcome wasn't that bad last time, why not just do

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Speaker 5: it again?

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Speaker 2: Yeah? Why not? It's comfy? Why would I change?

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Speaker 5: Like, yes, I know that you know, for example, using

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Speaker 5: after pay isn't good, and you know it does take

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Speaker 5: money out of my account moving forward, and I have

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Speaker 5: regretted a lot of my purchases, but that dress does look.

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Speaker 2: Clearly I'm just going to do it again because like

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Speaker 2: the outcome is quote not that bad.

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Speaker 5: It's not that bad, but we could just do it again, right,

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Speaker 5: But ultimately that's not serving you when we need to

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Speaker 5: break that cycle. And that's not comfortable because I'm asking

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Speaker 5: you to make a different decision that does make you

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Speaker 5: slightly uncomfortable. But the outcome is great. The outcome is better,

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Speaker 5: The outcome is empowering, and I think we need to

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Speaker 5: focus on that because I don't know if people are

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Speaker 5: going to be on the same page as me, But

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Speaker 5: I don't believe that like motivation, and I've said this

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Speaker 5: before on the podcast, like motivation and rule power really

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Speaker 5: exist in a way like they're just not going to

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Speaker 5: cut it. Like discipline is just doing it. Like you're

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Speaker 5: not going to get motivated back to do it.

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Speaker 2: You're not going to wake up. It's like going to

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Speaker 2: the gym. You're like, you're so good at this. I'm not.

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Speaker 5: But like you don't wake up and go I'm so

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Speaker 5: excited to go to the gym. You still wake up

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Speaker 5: and you're tired and over it and you're just like, oh,

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Speaker 5: maybe I do need an extra coffee today, But like

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Speaker 5: you just do it, Like we just get up and

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Speaker 5: do it. Like that's discipline, And I think if we

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Speaker 5: can give ourselves more discipline, we are able to achieve

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Speaker 5: those things, because I think people assume that motivation is

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Speaker 5: going to be like the golden ticket, like oh, if

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Speaker 5: I do this, or if I get a new cute

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Speaker 5: workout set, I'll be more motivated to go. No, girl,

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Speaker 5: like I've tried that the brand new pink Lululemon workout

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Speaker 5: set that does look bomb on it doesn't actually get

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Speaker 5: you out of bed that much earlier. Maybe one time

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Speaker 5: because you're excited to wear it for the first time,

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Speaker 5: but the second, third, and fourth time you're just like, well,

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Speaker 5: you're used to it by then, exactly, like we're over.

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Speaker 2: It, right, So what do we do instead.

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Speaker 5: Well, I guess instead of just hoping and wishing that

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Speaker 5: we would be better and going, oh, maybe later, like

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Speaker 5: we need to live in the now and just go,

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Speaker 5: well maybe now, maybe right now, instead of going one day,

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Speaker 5: oh how good are we as well are going like,

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Speaker 5: oh my god, Beck, I'll just do it when I

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Speaker 5: get a pay rise. Or like if I said to you,

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Speaker 5: and this is not an attack on you by any

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Speaker 5: stretch of the imagination, it's just a really good example.

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Speaker 5: If I said to you, hey, Beck, let's sit down

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Speaker 5: and do your budget. And you were like not in

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Speaker 5: the mood to do that. You might go, oh, well,

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Speaker 5: maybe let's wait till next payday. Yes, maybe let's wait

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Speaker 5: until Like there's always us pushing it off. Why it's

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Speaker 5: not because payday is going to be a better time

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Speaker 5: to budget, Beck, It's just a better way to push

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Speaker 5: things off and give us a justification and some validation

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Speaker 5: for not doing what we should be doing in the moment. Ah,

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Speaker 5: because like you and I could sit down and do

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Speaker 5: a budget today. It's not that Campfye is going to

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Speaker 5: be about change. And yes, you might not be able

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Speaker 5: to stick to it right now because we do need

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Speaker 5: to wait till pay day, But like if you did

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Speaker 5: it today instead of waiting till pay day, have we

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Speaker 5: not got a plan for what happens on payday?

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Speaker 2: That's very true.

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Speaker 5: We're setting ourselves up for success, and I think that

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Speaker 5: that's important. But ultimately the goal is build better systems.

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Speaker 5: You are not the problem. Your system is the problem.

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Speaker 5: And how the hell have you got a functioning good

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Speaker 5: system back if you've never been taught, Like, who was

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Speaker 5: going to set your system up to begin with?

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Speaker 2: Totally, that is so true. Like, who's going to.

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Speaker 5: Set you up and be like, okay, back, here are

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Speaker 5: the bank accounts you need, here's where your money should

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Speaker 5: go into. Here's how much you're spending on average, so

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Speaker 5: we need to transfer that each week. And you go,

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Speaker 5: oh that makes sense. No one set you down and

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Speaker 5: done that. So we need to focus on changing the

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Speaker 5: system around you, not just your behavior, because your behavior.

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Speaker 2: That's the really hard part.

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Speaker 5: But if I gave you a system that kind of

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Speaker 5: forces you into a behavior, we love to see it.

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Speaker 2: We love we love to see it, see it, So

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Speaker 2: how do we do that?

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Speaker 5: So I think that's around understanding the psychology of how

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Speaker 5: habits work, and like this sounds a little bit fluffy,

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Speaker 5: but Beck, I don't know if people know this about me,

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Speaker 5: because I have looked at our stats recently. We actually

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Speaker 5: have a lot of new friends joining us, which is

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Speaker 5: very exciting.

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Speaker 2: Hello.

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Speaker 5: This is Beck and I'm Victoria, and I'm wildly passionate

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Speaker 5: about financial literacy. But I also have a background in

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Speaker 5: behavioral psychology, so I haven't accidentally started talking about psychology

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Speaker 5: from a place where I'm like I learned this on TikTok.

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Speaker 2: I actually have two psych degrees, which I don't know.

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Speaker 2: That's pretty cool, that's pretty cool. She's well within her rye.

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Speaker 5: Yeah, my mum's like really proud of me. But we

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Speaker 5: need to understand the psychology of how habits work, because

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Speaker 5: ultimately habits work in loops. The loop is there's a trigger,

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Speaker 5: there's a behavior, and then there's a reward.

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Speaker 2: And we love rewards like I don't lie, I love

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Speaker 2: a sweet treat.

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Speaker 5: I love like have you not been trying to create

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Speaker 5: habits for yourself even if you've never thought about Oh,

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Speaker 5: I need to understand the psychology of like habits. Like beck,

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Speaker 5: I say you need to have a new habit, or

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Speaker 5: you need to do something new tomorrow. If I said

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Speaker 5: there's a sweet treat at the end, you're more likely

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Speaker 5: to want to do it. And you know that that

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Speaker 5: could reinforce the behavior. Right, So we all, I think,

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Speaker 5: inherently understand this idea of how to set up a

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Speaker 5: good habit. But the reward can't be a sweet treat

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Speaker 5: because that's going to eat into our budget. We can't

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Speaker 5: assume that there's going to be a big reward every

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Speaker 5: single time. It needs to be small hits of dopamine.

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Speaker 5: And I think in twenty twenty five. The shitty thing,

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Speaker 5: Beck is that we all have dopamine addictions. Like we

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Speaker 5: all are so good at instant gratification, Like there is

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Speaker 5: not a time where I can't just get the things

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Speaker 5: that I want in my hands within twenty four hours, right,

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Speaker 5: Like I can order things on Amazon, I could order

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Speaker 5: dinner on Uber Eats. If I have a question, I

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Speaker 5: can google it. Like your attention span in twenty twenty

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Speaker 5: five is absolutely in comparison to what it used to be.

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Speaker 5: How long dides it take you, Beck to scroll off

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Speaker 5: a video on TikTok if it's not interesting you, oh

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Speaker 5: my god?

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Speaker 2: Truely? Like I can't be bothered with this, can't be

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Speaker 2: bothered with that?

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Speaker 5: Why the hell would you be bothered with setting up

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Speaker 5: a whole brand new habit around budgeting and cash flu

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Speaker 5: that's boring. When I could watch TikTok's of people doing

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Speaker 5: their makeup, I prefer that. Yeah, and you don't even.

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Speaker 2: Wear makeup, don't, but I love to watch it.

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Speaker 5: Isn't it crazy? Like the amount of building videos I

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Speaker 5: watch on TikTok. Babe, You're never going to build anything up?

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Speaker 5: Why are you educating yourself? But I think if it's

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Speaker 5: around things like you're ordering Uber Eats when you've literally

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Speaker 5: got food at home. I think it's about breaking that

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Speaker 5: habit loop. So you're not just buying Uber Eats because

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Speaker 5: like you're like, oh, I really am craving Chinese tonight.

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Speaker 5: We need to break the habit that you are like, oh,

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Speaker 5: I'm stressed, I'm tired, it's late, it's the end of

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Speaker 5: the day. There's nothing easy in my fridge. I just

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Speaker 5: the easiest thing here is going to be ordering Uber Eats,

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Speaker 5: and I'll just know I'm bad at it, but I'm

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Speaker 5: going to deal with this later. That whole habit needs

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Speaker 5: to be reset. I need to get some stuff into

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Speaker 5: your fridge back that rewards you for being tired, Like

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Speaker 5: you're like, okay, cool, Like I don't have to cook

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Speaker 5: a whole pot roast. But we need to break the habit.

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Speaker 5: What things could you keep in your fridge that are

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Speaker 5: quick and easy to cook? Are we looking at things

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Speaker 5: that you know you might go, oh, but Victoria when

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Speaker 5: I'm at the supermarket, those like pre made meals are

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Speaker 5: so expensive, Like you look at them and you're like fourteen.

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Speaker 2: Dollars a huge oke, Like I feel like they're expensive.

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Speaker 4: They are expensive. Sometimes the home brand ones are pretty good,

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Speaker 4: but if you want to be something that looks advertising.

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Speaker 5: Exactly, like, let's pretend it's fourteen dollars and I feel

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Speaker 5: like that feels expensive sometimes yeah definitely, But what are you.

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Speaker 2: Spending on Uber Eats? Oh? True? Like you know what

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Speaker 2: I mean. You need to contextualize things.

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Speaker 5: So I'm not saying that this pre made fourteen dollar

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Speaker 5: meals are the answer, but like, let's break the habit

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Speaker 5: of always ordering Uber Eats and get some quick things

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Speaker 5: in your free Yeah great, let's go here. And I

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Speaker 5: know this isn't going to align to everybody's budgets, but

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Speaker 5: this is just an example. Let's just do an intermediate.

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Speaker 5: So now there's things in the fridge and you've gotten

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Speaker 5: in the habit of like heating something up. Now a

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Speaker 5: few steps down the road, let's get like some pasta

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Speaker 5: and some stuff in your pantry that you could whip

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Speaker 5: up a quick pasta. We're not just breaking a habit

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Speaker 5: by going to the hardest option. By going you actually

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Speaker 5: have to cook everything from scratch. And also you now

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Speaker 5: have to sacrifice your Sunday beit because you have to

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Speaker 5: do meal prep. Like that's not going to sound that good.

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Speaker 5: But why don't we find a small step in the

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Speaker 5: right direction where you're putting some quick meals in the fridge,

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Speaker 5: so instead of having ubreats, there's something appetizing, it's quick,

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Speaker 5: you pop it in the microwave. Yes, it's not the

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Speaker 5: cheapest option on the market, but that is damn cheaper

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Speaker 5: than uber eats. Yeah, so like let's do that and

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Speaker 5: then small steps in the right direction, right, because you're

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Speaker 5: still getting that dopamine hit of going, oh, there's something

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Speaker 5: nice for me in their fridge. We need to do

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Speaker 5: that with money. Okay, we need to be setting ourselves

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Speaker 5: up for success. I'm not going to strip you you

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Speaker 5: back and go here's this really strict budget. You will

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Speaker 5: it's like a horse going into a horse float for

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Speaker 5: the first time. You will buck and fight and not

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Speaker 5: want to go in. You'll probably bite someone.

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Speaker 2: Well, that's very true. Like I don't want to be restricted. No, no, okay.

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Speaker 5: But like, what tiny little steps in the right direction

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Speaker 5: can we take that feel good but also create really

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Speaker 5: solid habits for us into the future.

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Speaker 4: Yeah, And I think once you get a bit of

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Speaker 4: a briggle on and a snowball effect, yeah, you kind

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Speaker 4: of become obsessed with it.

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Speaker 2: And you're kind of go freight.

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Speaker 5: There's always something in the fridge, and then you might

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Speaker 5: become more attuned to opening the fridge instead of picking

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Speaker 5: up your phone. And that's what we want to see, right,

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Speaker 5: that's what we want to see. We want to see.

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Speaker 5: So if we're talking about I guess habit triggers, there

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Speaker 5: are actually five triggers of a habit that I think

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Speaker 5: we need to understand. So, like you know, we talked

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Speaker 5: before about like a habit loops. You've got your trigger,

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Speaker 5: you've got your behavior, and then you've got your reward.

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Speaker 5: We love a reward. But there are different triggers that

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Speaker 5: trigger habits, right. So the first is the time of day,

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Speaker 5: so you're used to doing something at a specific time

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Speaker 5: of day. It maybe is I finish work and then

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Speaker 5: I order takeaway. For me, it's I wake up in

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Speaker 5: the morning and I have to brush my teeth. Like

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Speaker 5: it's little things that have just become part of my loop.

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Speaker 5: You know, Like I'm in autopilot, and we want budgeting

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Speaker 5: to become autopilot. I don't want it to be stressful

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Speaker 5: for you and your brain. It just starts to associate

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Speaker 5: six pm with that habit. Yeah, like what do you

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Speaker 5: do when you get home back and you're about to

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Speaker 5: order rebreats? Like there will be a specific set of

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Speaker 5: things that you do. You might go, I'm gonna grab

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Speaker 5: a water, I'm gonna sit on the couch, open phone.

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Speaker 2: Yes, that's the plan. That's the loop.

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Speaker 5: We need to break that. The next is your location

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Speaker 5: or your environment. So being in certain spaces can trigger habits.

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Speaker 5: So you like walk into the kitchen and suddenly you're

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Speaker 5: thinking about a snack and automatically you go to the

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Speaker 5: fridge and have a look, even though you know there's

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Speaker 5: no snap in the fridge. These are automated. These are

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Speaker 5: just how our body goes. I know this environment, I

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Speaker 5: know what I do in this environment, right right. The

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Speaker 5: next is your emotional state. And I think this one

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Speaker 5: is downplayed a lot, but your emotional state is so important.

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Speaker 5: And it's stress, it's boredom, it might be loneliness, even celebrations,

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Speaker 5: Like all of these things trigger habits without us even

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Speaker 5: recognizing it or being able to realize it. Like you're

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Speaker 5: not often craving food, You're craving some level of comfort. Yeah,

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Speaker 5: I've had a long day, I do deserve an ice cream.

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Speaker 5: I deserve a treat, Yes, I deserve a for a wash.

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Speaker 5: And then the second last trigger is other people. Oh yeah,

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Speaker 5: sorry sorry, but other people getting involved in your life

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Speaker 5: is going to mean that if your partner's always ordering

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Speaker 5: takeaway Beck, you're more likely to be like, oh.

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Speaker 2: Yes, course yeah. And if it's an a.

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Speaker 5: Husband and I like, I try not to eat the

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Speaker 5: ice creams at home, Beck, And then your husband's on

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Speaker 5: the ca with me.

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Speaker 2: He's like, do we have any ice creams? And I'm like, yeah,

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Speaker 2: we do. We do have ice creams.

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Speaker 5: Yes, I've been sitting on the couch thinking like ice

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Speaker 5: cream And then I'm like, no, no, he had one yesterday,

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Speaker 5: Like you do not need an ice cream every single night.

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Speaker 5: And then my husband looks at me and says, do

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Speaker 5: we have any of those racist ice creams?

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Speaker 2: And I go, oh, yes, yes, we absolutely. Isn't that annoying?

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Speaker 2: Like it's annoying because it's like, especially.

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Speaker 4: If the habit wasn't there before the day, Like I

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Speaker 4: never needed an ice cream.

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Speaker 2: I was never a.

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Speaker 5: Dessert person, and then I got with my partner and

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Speaker 5: here is a dessert. Anyway, It's all of these small

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Speaker 5: things and I think, yes, we're talking about food here,

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Speaker 5: but I think it's just like the most relatable thing

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Speaker 5: because then we can loop it back to going, oh

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Speaker 5: my god, I do understand those inherent habits.

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Speaker 2: In my body and in my life.

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Speaker 5: Okay, they clearly are going to be happening in my

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Speaker 5: money world as well. Right right, habits are not easy

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Speaker 5: to form, but they are also they're kind of like

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Speaker 5: on autopilot. And I guess that's the fifth trigger, right,

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Speaker 5: it's preceding action. Receding action is like something you do

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Speaker 5: right before you do this thing that maybe you don't

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Speaker 5: want to do forever. Like it's things to me, you say, oh,

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Speaker 5: I really need to be better at XYZ. But it's

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Speaker 5: like if you finish a meeting or you put your

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Speaker 5: keys down, it can automatically cue a habit or a

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Speaker 5: response like you finish work, I deserve a treat. And

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Speaker 5: once you're able to figure out what that trigger is,

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Speaker 5: you're able to like break the loop or hack the loop,

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Speaker 5: and you can keep the reward, but maybe choose a

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Speaker 5: different behavior that still goes I guess to that little

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Speaker 5: dopamine hit in your brain, like it still gets you

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Speaker 5: to pick that up, and like there are so many

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Speaker 5: habits and triggers in your body that you might go, oh,

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Speaker 5: I just thought that's how I just worked, right, But

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Speaker 5: we can break them and change them.

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Speaker 2: Do you know what my funniest one is, Beck, tell me,

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Speaker 2: I swear like.

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Speaker 5: My brain she's not a girl's girl sometimes, right, she

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Speaker 5: just works against me. So I've had a good day.

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Speaker 5: I'm not even thinking about anything. I've driven home, I

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Speaker 5: get home, I feel absolutely fine. I get to my

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Speaker 5: front door. I put the key in my front door

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Speaker 5: overwhelming urged to p yeah, I have to pay immediately.

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Speaker 5: Like it's like my brain is like.

433
00:20:08,520 --> 00:20:09,119
Speaker 2: You are home.

434
00:20:09,240 --> 00:20:11,480
Speaker 5: It's like the keys or some sound or like getting

435
00:20:11,480 --> 00:20:12,920
Speaker 5: to the front door. And then I start to fumble

436
00:20:12,960 --> 00:20:14,560
Speaker 5: and I'm like, fire out, I really need to go.

437
00:20:14,600 --> 00:20:16,160
Speaker 2: To the market. What the hell?

438
00:20:16,680 --> 00:20:20,160
Speaker 5: Like it's literally and you can break that as well,

439
00:20:20,200 --> 00:20:23,199
Speaker 5: but like it's an automated something has triggered in my

440
00:20:23,240 --> 00:20:26,240
Speaker 5: brain and it's decided that's the outcome.

441
00:20:26,359 --> 00:20:28,760
Speaker 2: What the hell? So they don't have to make.

442
00:20:28,640 --> 00:20:32,879
Speaker 5: Sense, Beck, but we can identify these habits that something

443
00:20:32,960 --> 00:20:35,520
Speaker 5: might happen and something might be the trigger, and then

444
00:20:35,600 --> 00:20:37,639
Speaker 5: all of a sudden you need to do that.

445
00:20:37,760 --> 00:20:39,240
Speaker 2: It's like Pavlov's dog.

446
00:20:39,480 --> 00:20:43,000
Speaker 5: Like if you've heard about that, right, So Pavlov trained

447
00:20:43,080 --> 00:20:46,840
Speaker 5: dogs to start drooling based on the sound of a

448
00:20:46,880 --> 00:20:50,439
Speaker 5: bell because he started giving them treats. So he would

449
00:20:50,560 --> 00:20:52,680
Speaker 5: ring the bell, give the dog a treat, ring the bell,

450
00:20:52,760 --> 00:20:53,639
Speaker 5: give the dog a treat.

451
00:20:53,840 --> 00:20:57,359
Speaker 2: No bell, no treat, bell, treat. Then he took the

452
00:20:57,400 --> 00:21:00,480
Speaker 2: treat away. Cruel. That's cruel, right, but right the belt

453
00:21:00,600 --> 00:21:03,439
Speaker 2: and the dog was like, aha, treat, treat's coming, and

454
00:21:03,480 --> 00:21:06,440
Speaker 2: it started drooling. I didn't like it. No treat came. Well,

455
00:21:06,520 --> 00:21:07,160
Speaker 2: that's so mean.

456
00:21:07,240 --> 00:21:10,760
Speaker 5: That's a game, right, Yeah, But like that's what we

457
00:21:10,840 --> 00:21:13,280
Speaker 5: need to learn from because I know that you don't

458
00:21:13,280 --> 00:21:15,199
Speaker 5: want to be compared to a dog. But at the

459
00:21:15,280 --> 00:21:17,000
Speaker 5: end of the day, we can be trained in the

460
00:21:17,000 --> 00:21:19,959
Speaker 5: same way as animals. Yeah, we're just animals. We just

461
00:21:20,000 --> 00:21:22,520
Speaker 5: out you're doing our best, like I'm just a caveman

462
00:21:22,640 --> 00:21:23,560
Speaker 5: and sell you beck.

463
00:21:24,760 --> 00:21:27,480
Speaker 4: Okay, So that does make a lot of sense and

464
00:21:27,560 --> 00:21:29,240
Speaker 4: honestly explains a lot of my life.

465
00:21:29,240 --> 00:21:31,719
Speaker 2: But how do we start building like better habits. Oh,

466
00:21:31,720 --> 00:21:32,879
Speaker 2: you don't want to pee when you get to your

467
00:21:32,880 --> 00:21:34,880
Speaker 2: front door. I need to do a little bit more

468
00:21:34,880 --> 00:21:36,280
Speaker 2: than that one. When you get the front door you

469
00:21:36,280 --> 00:21:38,920
Speaker 2: want to invest? Is that way? It's exactly.

470
00:21:39,040 --> 00:21:40,680
Speaker 5: I get to the front door, I see my keys,

471
00:21:40,680 --> 00:21:42,400
Speaker 5: and I'm like, oh damn, I'm jumping on.

472
00:21:42,440 --> 00:21:46,639
Speaker 2: Chass, desperate to invest inside. Oh my goodness, get me

473
00:21:46,680 --> 00:21:47,360
Speaker 2: at my budget.

474
00:21:47,840 --> 00:21:49,359
Speaker 5: I don't know if I can do that for you,

475
00:21:49,400 --> 00:21:52,679
Speaker 5: but we can definitely like create some good financial habits

476
00:21:53,400 --> 00:21:54,680
Speaker 5: that make it feel like that.

477
00:21:54,760 --> 00:21:59,560
Speaker 4: Right, Yeah, like you're busting seas, shaking, dragging. Okay, So

478
00:21:59,600 --> 00:22:01,520
Speaker 4: we're going to break it down right after this short break.

479
00:22:01,640 --> 00:22:03,880
Speaker 4: It's all about making your money habits as easy as

480
00:22:03,960 --> 00:22:11,960
Speaker 4: ordering your breeds, but with way less regret. Welcome back everyone, okay,

481
00:22:12,040 --> 00:22:14,120
Speaker 4: V Now, I want to know, once we know our

482
00:22:14,160 --> 00:22:15,640
Speaker 4: habit loop, what do we.

483
00:22:15,600 --> 00:22:18,359
Speaker 5: Actually Oh, we have so many habit loops. Yeah, like,

484
00:22:18,440 --> 00:22:21,040
Speaker 5: so what do we do about them? Well, it's about

485
00:22:21,359 --> 00:22:25,080
Speaker 5: kind of keeping the queue, changing the behavior, right, And

486
00:22:25,119 --> 00:22:27,040
Speaker 5: I'm going to stop talking about how when I get

487
00:22:27,040 --> 00:22:28,639
Speaker 5: home I really need to pee, But that is a

488
00:22:28,640 --> 00:22:30,760
Speaker 5: habit I would like to break. Do you know how

489
00:22:30,800 --> 00:22:33,720
Speaker 5: stressful it is getting home and you've got like arms

490
00:22:33,720 --> 00:22:36,080
Speaker 5: full of groceries, I've got a kid on my hip,

491
00:22:36,119 --> 00:22:37,680
Speaker 5: I'm trying to get the key in the door, and

492
00:22:37,720 --> 00:22:39,639
Speaker 5: then I'm like, oh, my goodness, why do I have

493
00:22:39,720 --> 00:22:40,560
Speaker 5: to pee right now?

494
00:22:40,880 --> 00:22:43,520
Speaker 2: I don't even need to pee. I paid recently that

495
00:22:43,520 --> 00:22:44,080
Speaker 2: it's a trickle.

496
00:22:44,200 --> 00:22:48,680
Speaker 5: But I think it's so important that example, because I'm

497
00:22:48,720 --> 00:22:51,639
Speaker 5: not consenting to that back, like, I did not choose that,

498
00:22:51,680 --> 00:22:54,040
Speaker 5: but that is a habit that my body has picked up,

499
00:22:54,119 --> 00:22:57,320
Speaker 5: and I think it it's a fantastic example of how

500
00:22:57,359 --> 00:22:59,800
Speaker 5: these things just happen. I think a lot of people

501
00:23:00,240 --> 00:23:04,040
Speaker 5: assume that habits are always good, and habits are always

502
00:23:04,359 --> 00:23:08,320
Speaker 5: really constructive or could be destructive, like people are like, oh,

503
00:23:08,400 --> 00:23:10,440
Speaker 5: I need to pick up the habit of like brushing

504
00:23:10,480 --> 00:23:13,120
Speaker 5: my teeth every morning or whatever it is. But like

505
00:23:13,600 --> 00:23:17,959
Speaker 5: sometimes being able to understand that little habits can be

506
00:23:18,040 --> 00:23:21,199
Speaker 5: like little nuances about you. Yeah, we can do the

507
00:23:21,240 --> 00:23:24,120
Speaker 5: same in our budget and the same in our money life. Right,

508
00:23:24,240 --> 00:23:26,720
Speaker 5: So if we want to be changing this and we've

509
00:23:26,760 --> 00:23:31,160
Speaker 5: become aware of these things, keep the cue, change the behavior.

510
00:23:31,200 --> 00:23:31,960
Speaker 2: Keep the rule ward.

511
00:23:32,400 --> 00:23:35,040
Speaker 5: Yes, so we're just swapping one thing out so you

512
00:23:35,040 --> 00:23:37,560
Speaker 5: don't have to change your whole life. We're just swapping

513
00:23:37,960 --> 00:23:39,760
Speaker 5: I guess the middle.

514
00:23:39,440 --> 00:23:42,600
Speaker 2: Part of that. So if the trigger is art's the

515
00:23:42,720 --> 00:23:43,200
Speaker 2: end of the day.

516
00:23:43,240 --> 00:23:46,520
Speaker 5: I really want to relax, Like, what's a behavior that's

517
00:23:46,600 --> 00:23:50,040
Speaker 5: going to give you the same experience? Like, because I

518
00:23:50,040 --> 00:23:53,240
Speaker 5: don't want you to have a not good experience. That's

519
00:23:53,240 --> 00:23:55,320
Speaker 5: not what we're about. I don't want this to be negative.

520
00:23:55,359 --> 00:23:57,760
Speaker 5: But like maybe at six pm and you're a bit

521
00:23:57,800 --> 00:24:01,120
Speaker 5: tired and you're like, oh, really, I'm going to order

522
00:24:01,160 --> 00:24:04,639
Speaker 5: some Uber eats. What if we swapped it to you

523
00:24:04,800 --> 00:24:09,520
Speaker 5: popping on your favorite podcast? Hi, it better be ass

524
00:24:09,920 --> 00:24:12,960
Speaker 5: and you're gonna do some dinner prep. Yeah, Like I

525
00:24:13,000 --> 00:24:14,760
Speaker 5: don't want you to have to prep dinner and be like,

526
00:24:14,760 --> 00:24:18,359
Speaker 5: oh my god, nurse, this is so boring. Like okay, well,

527
00:24:18,400 --> 00:24:21,119
Speaker 5: can we like listen to a podcast or put on

528
00:24:21,160 --> 00:24:23,600
Speaker 5: a TV series while we're doing that, so you like

529
00:24:23,720 --> 00:24:25,480
Speaker 5: get the reward while you do the thing.

530
00:24:25,680 --> 00:24:27,719
Speaker 4: It is quite fun doing that when you put something

531
00:24:27,840 --> 00:24:31,160
Speaker 4: stimulating on. Yes, then all of a sudden chopping a carrot,

532
00:24:31,560 --> 00:24:32,520
Speaker 4: it's not too bad.

533
00:24:32,760 --> 00:24:33,760
Speaker 2: It's kind of enjoyable.

534
00:24:33,880 --> 00:24:36,800
Speaker 5: Yeah, it's like you're getting a reward while doing. Yeah,

535
00:24:36,840 --> 00:24:39,159
Speaker 5: the thing you need to do, you get double reward

536
00:24:39,200 --> 00:24:42,800
Speaker 5: you get doing and the reward whenever I clean the house.

537
00:24:42,880 --> 00:24:44,720
Speaker 5: I have a playlist. I can share it with you.

538
00:24:44,840 --> 00:24:46,960
Speaker 5: It's like old school bangers that you would sing in

539
00:24:47,000 --> 00:24:48,679
Speaker 5: your car. Yeah, but like I have to put that

540
00:24:48,720 --> 00:24:50,720
Speaker 5: playlist on and then I can power through like an

541
00:24:50,720 --> 00:24:53,400
Speaker 5: hour of cleaning my house. But like it doesn't feel

542
00:24:53,400 --> 00:24:56,480
Speaker 5: so bad when I match it with something that I enjoy.

543
00:24:57,000 --> 00:24:59,600
Speaker 5: So that's what we're looking for, right, So we're not

544
00:24:59,720 --> 00:25:03,159
Speaker 5: trying to ruin our own lives because I think so

545
00:25:03,200 --> 00:25:05,600
Speaker 5: many people think, oh, thing is going to be so hard.

546
00:25:05,640 --> 00:25:10,119
Speaker 5: We're like replacing a behavior or we're replacing something in

547
00:25:10,160 --> 00:25:12,240
Speaker 5: our budget, but we're not restricting ourselves.

548
00:25:12,280 --> 00:25:15,359
Speaker 2: Yeah, keeping the trigger, keeping the reward, changing the middle one.

549
00:25:15,400 --> 00:25:17,000
Speaker 5: Because like if I said to you, Beck, like I'm

550
00:25:17,000 --> 00:25:19,800
Speaker 5: at your house, let's pretend you've invited me over and

551
00:25:20,200 --> 00:25:23,360
Speaker 5: you're like, oh, let's order some Uber eats, I would

552
00:25:23,520 --> 00:25:25,760
Speaker 5: very easily agree to that. But what if I said, oh,

553
00:25:25,840 --> 00:25:28,640
Speaker 5: let's pop on some music and we could like prep

554
00:25:28,640 --> 00:25:29,720
Speaker 5: a cute pasta together.

555
00:25:30,880 --> 00:25:32,000
Speaker 2: I think we're both down for that.

556
00:25:32,240 --> 00:25:34,480
Speaker 5: Yeah, like that we can, but like we could do

557
00:25:34,600 --> 00:25:36,679
Speaker 5: cute things on our own as well, Like instead of

558
00:25:36,720 --> 00:25:38,679
Speaker 5: you ordering uber eats on your own, Beck, could you

559
00:25:39,880 --> 00:25:43,640
Speaker 5: pop on a podcast, hang out with some podcasting friends,

560
00:25:43,800 --> 00:25:45,240
Speaker 5: and chop up your carrots.

561
00:25:45,440 --> 00:25:45,760
Speaker 2: Yeah.

562
00:25:45,800 --> 00:25:48,720
Speaker 5: It doesn't have to be massive in terms of change.

563
00:25:48,760 --> 00:25:51,840
Speaker 5: It can be small. Like if you're telling yourself, beck,

564
00:25:51,960 --> 00:25:54,480
Speaker 5: do not order Uber eats. I need to break this habit.

565
00:25:55,080 --> 00:25:55,359
Speaker 1: Girl.

566
00:25:55,400 --> 00:25:59,600
Speaker 2: That's friction, that's deprivation. That's so true. That sucks, and

567
00:25:59,640 --> 00:26:01,680
Speaker 2: then you lose your mind and you want a twenty

568
00:26:01,760 --> 00:26:03,920
Speaker 2: years All I'm thinking about is Uber eats.

569
00:26:04,200 --> 00:26:07,200
Speaker 5: Instead, you're going to tell yourself have something better prepared

570
00:26:07,359 --> 00:26:09,680
Speaker 5: and ready to go in the fridge, so that that

571
00:26:09,720 --> 00:26:13,359
Speaker 5: doesn't feel like I'm being restricted, because like, oh, like

572
00:26:13,560 --> 00:26:15,399
Speaker 5: right now, if I don't order Uber eats, I have

573
00:26:15,440 --> 00:26:17,840
Speaker 5: to have toast for dinner, and I want toast for dinner.

574
00:26:18,480 --> 00:26:19,960
Speaker 2: We're going to put something nice in the.

575
00:26:19,920 --> 00:26:23,600
Speaker 5: Fridge and start that loop of prepping our dinner and

576
00:26:23,640 --> 00:26:26,879
Speaker 5: getting it ready. And it means that it's easy, but

577
00:26:26,920 --> 00:26:29,679
Speaker 5: you still get the reward of having like a quick dinner,

578
00:26:29,760 --> 00:26:31,919
Speaker 5: and you're still on the couch and you're still enjoying

579
00:26:31,920 --> 00:26:34,920
Speaker 5: your time. But we need to make the new behavior

580
00:26:35,240 --> 00:26:37,360
Speaker 5: more appealing than the old one. And I guess I'm

581
00:26:37,359 --> 00:26:42,040
Speaker 5: harping on about Uber eats because financially, that is something

582
00:26:42,080 --> 00:26:44,640
Speaker 5: that lots of people in our community are saying, like, oh,

583
00:26:44,680 --> 00:26:46,640
Speaker 5: I relate to that, and if you don't relate to that,

584
00:26:46,640 --> 00:26:47,840
Speaker 5: that's so fine.

585
00:26:47,960 --> 00:26:50,240
Speaker 2: There's going to be something else. Like it's so funny.

586
00:26:50,320 --> 00:26:52,040
Speaker 2: Someone message me the other day in the libitoria.

587
00:26:52,080 --> 00:26:54,800
Speaker 5: You always use uber eats as an example, but I'm rural,

588
00:26:54,840 --> 00:26:56,600
Speaker 5: Like I don't even have uber eats, And I was like,

589
00:26:56,760 --> 00:27:02,080
Speaker 5: first things, first, i'manthis of you. But second, there's gonna

590
00:27:02,080 --> 00:27:05,160
Speaker 5: be things that you're doing that you can go. Oh,

591
00:27:05,200 --> 00:27:07,880
Speaker 5: that's a pretty simple example Victoria is using. But like

592
00:27:08,040 --> 00:27:11,080
Speaker 5: I do X YORZ or like you know, maybe you

593
00:27:11,119 --> 00:27:14,960
Speaker 5: want to prep more fresh food, but you keep just

594
00:27:15,040 --> 00:27:18,439
Speaker 5: chucking seam chicken nuggets in the oven yep relatable, Like,

595
00:27:18,560 --> 00:27:21,240
Speaker 5: I don't think it's you have to relate to my

596
00:27:21,400 --> 00:27:24,760
Speaker 5: Uber eats example. It's just an easy example. We are

597
00:27:24,800 --> 00:27:26,800
Speaker 5: falling into a bit of a system and another thing

598
00:27:26,840 --> 00:27:29,040
Speaker 5: you can do, and this works really well for me.

599
00:27:29,160 --> 00:27:33,240
Speaker 5: Just side note as somebody with ADHD like really well,

600
00:27:33,480 --> 00:27:36,240
Speaker 5: and I call it habit stacking, or everybody calls it

601
00:27:36,280 --> 00:27:39,679
Speaker 5: habit stacking, but habit stacking is where you stack it

602
00:27:39,720 --> 00:27:40,919
Speaker 5: with an existing habit.

603
00:27:41,480 --> 00:27:43,960
Speaker 2: So for me, I'm not gonna lie.

604
00:27:44,000 --> 00:27:47,320
Speaker 5: I did learn about this on TikTok and it works

605
00:27:47,359 --> 00:27:50,200
Speaker 5: really well. But just say you're like working from home

606
00:27:50,240 --> 00:27:51,879
Speaker 5: and you know the end of the day is like

607
00:27:51,920 --> 00:27:55,840
Speaker 5: your trigger. So if I'm being open and honest, during COVID,

608
00:27:56,320 --> 00:27:58,080
Speaker 5: the end of the day was my trigger to have

609
00:27:58,119 --> 00:28:00,199
Speaker 5: a glass of wine. Yes, Like I would get to

610
00:28:00,240 --> 00:28:02,080
Speaker 5: the end of the day and I would like see

611
00:28:02,080 --> 00:28:04,000
Speaker 5: five pm and I'd look at my husband and be like,

612
00:28:04,119 --> 00:28:07,360
Speaker 5: so is it one time? Like because that was my break,

613
00:28:07,520 --> 00:28:10,199
Speaker 5: Like that was the thing that in my head was

614
00:28:10,280 --> 00:28:13,879
Speaker 5: triggering going from work Victoria to home Victoria because we

615
00:28:13,920 --> 00:28:17,399
Speaker 5: didn't have that like third period where we were driving

616
00:28:17,480 --> 00:28:20,199
Speaker 5: or whatever. Also, there wasn't all that much to do

617
00:28:20,480 --> 00:28:22,560
Speaker 5: during COVID. Let's be honest. I think lots of us

618
00:28:22,600 --> 00:28:26,119
Speaker 5: can relate to that. But just say, after I close

619
00:28:26,160 --> 00:28:28,040
Speaker 5: my laptop, I'm going to go straight to the kitchen

620
00:28:28,320 --> 00:28:30,959
Speaker 5: and I'm actually going to play my favorite podcast and

621
00:28:31,000 --> 00:28:33,639
Speaker 5: start meal prepping. Like you need to start actively going.

622
00:28:33,920 --> 00:28:36,639
Speaker 5: I'm going to do this instead, but make it enjoyable.

623
00:28:36,800 --> 00:28:38,400
Speaker 5: So it could be a podcast, it could be TV,

624
00:28:38,600 --> 00:28:41,680
Speaker 5: it could be music, it could be literally anything. But

625
00:28:41,760 --> 00:28:45,480
Speaker 5: we're going to stack one habit with another. But one

626
00:28:45,520 --> 00:28:48,360
Speaker 5: of those things is something you really enjoy doing. So

627
00:28:48,560 --> 00:28:51,680
Speaker 5: like a couple of my girlfriends. I recently have been

628
00:28:52,080 --> 00:28:54,360
Speaker 5: talking to them about podcasts that they like listening to.

629
00:28:55,360 --> 00:28:57,720
Speaker 5: We're really into true crime and there's a few really

630
00:28:57,720 --> 00:29:01,120
Speaker 5: good true crime series that you know if you follow

631
00:29:01,160 --> 00:29:03,760
Speaker 5: me on my Instagram, like, you'll know what I'm listening

632
00:29:03,760 --> 00:29:06,960
Speaker 5: to at the moment. But we tell ourselves that we

633
00:29:07,000 --> 00:29:09,560
Speaker 5: can only listen to the good episodes like the new

634
00:29:09,560 --> 00:29:12,440
Speaker 5: one if we're out on a walk. So I want

635
00:29:12,440 --> 00:29:14,960
Speaker 5: to be more active. I need to get out more,

636
00:29:15,080 --> 00:29:18,880
Speaker 5: but like I'm bored in two seconds. Back walking can

637
00:29:18,960 --> 00:29:22,040
Speaker 5: be so boring. So I'm like, Okay, cool, new episodes out.

638
00:29:22,080 --> 00:29:23,640
Speaker 5: I get to go on a walk soon. So you're

639
00:29:23,680 --> 00:29:26,760
Speaker 5: stacking something that you really like doing with something that

640
00:29:26,800 --> 00:29:27,960
Speaker 5: you want to do more of.

641
00:29:28,320 --> 00:29:28,880
Speaker 2: Yeah.

642
00:29:29,040 --> 00:29:31,640
Speaker 5: So maybe you're getting yourself a glass of wine to

643
00:29:31,720 --> 00:29:32,520
Speaker 5: do your budget.

644
00:29:32,920 --> 00:29:35,360
Speaker 2: Yeah, okay. We want to reward.

645
00:29:35,000 --> 00:29:38,360
Speaker 5: Ourselves, right, And another way to be setting yourself up

646
00:29:38,400 --> 00:29:41,160
Speaker 5: for success is genuinely changing the environment.

647
00:29:41,800 --> 00:29:43,920
Speaker 2: If I open your phone back, where's the uber eat sap?

648
00:29:44,160 --> 00:29:48,200
Speaker 2: He's actually now on the second page. Aay, so you're learning,

649
00:29:48,400 --> 00:29:50,760
Speaker 2: you're like trying to take it away. That's true. It

650
00:29:50,760 --> 00:29:52,040
Speaker 2: doesn't work very well, but you.

651
00:29:52,000 --> 00:29:54,640
Speaker 5: Know what small steps in the right direction. Because you're

652
00:29:54,680 --> 00:29:57,160
Speaker 5: trying to change the environment. It's not the first thing

653
00:29:57,200 --> 00:30:00,400
Speaker 5: that you see when you open your phone and can

654
00:30:00,480 --> 00:30:02,920
Speaker 5: often just trigger a thought of like oh uber eats,

655
00:30:02,960 --> 00:30:05,720
Speaker 5: Oh that's right, I'm going to X, Y and Z.

656
00:30:06,720 --> 00:30:09,920
Speaker 5: Or if like you're prepping food gol, why is it

657
00:30:09,960 --> 00:30:12,040
Speaker 5: in the back of your fridge. No one wants to

658
00:30:12,080 --> 00:30:13,840
Speaker 5: go to the back of the fridge. You're going to

659
00:30:13,880 --> 00:30:15,719
Speaker 5: see it. You're going to see a better option, and

660
00:30:15,760 --> 00:30:19,560
Speaker 5: that's not opening the fridge, Like very true, make it cute.

661
00:30:19,760 --> 00:30:22,040
Speaker 5: You've got to make a new habit easier to do

662
00:30:22,200 --> 00:30:25,640
Speaker 5: than the old one, and sometimes that actually means adding

663
00:30:25,640 --> 00:30:29,080
Speaker 5: a little bit of healthy friction to the bad habit.

664
00:30:29,680 --> 00:30:32,880
Speaker 5: So like that's when I'm saying, sometimes the fourteen dollar

665
00:30:33,000 --> 00:30:36,720
Speaker 5: meal from coals is actually going to save you money.

666
00:30:37,280 --> 00:30:40,240
Speaker 5: Like I'm not saying that that is a budget efficient process,

667
00:30:40,320 --> 00:30:42,280
Speaker 5: like I could whip up a whole meal for four

668
00:30:42,320 --> 00:30:45,760
Speaker 5: people for ten bucks back, Like we're not talking about

669
00:30:45,880 --> 00:30:49,040
Speaker 5: what is the cheapest option. We're talking about what is

670
00:30:49,080 --> 00:30:51,840
Speaker 5: the middle ground that is going to lower the friction

671
00:30:52,160 --> 00:30:54,520
Speaker 5: of you changing that habit and we can get to

672
00:30:54,520 --> 00:30:57,080
Speaker 5: the ten dollar meals. We can I did a whole

673
00:30:57,080 --> 00:31:01,240
Speaker 5: episode on it. But what's the middle of going from

674
00:31:01,360 --> 00:31:04,200
Speaker 5: ordering fifty dollars worth of Uber eats every single night

675
00:31:04,240 --> 00:31:07,160
Speaker 5: for two people? Okay, well, maybe we're getting two fourteen

676
00:31:07,200 --> 00:31:09,640
Speaker 5: dollar meals and keeping them in the freege and just

677
00:31:09,680 --> 00:31:13,480
Speaker 5: having them when we don't feel like we want to cook. Yeah,

678
00:31:13,560 --> 00:31:16,160
Speaker 5: let's have some easy options. I'm not saying that that

679
00:31:16,320 --> 00:31:18,920
Speaker 5: is the most budget efficient way of living life. It

680
00:31:19,000 --> 00:31:21,680
Speaker 5: is not, beck, but you've got to make these new

681
00:31:21,680 --> 00:31:24,240
Speaker 5: habits easier because at the end of the day, we

682
00:31:24,320 --> 00:31:26,600
Speaker 5: just need to create more friction for the bad habit.

683
00:31:27,040 --> 00:31:28,400
Speaker 5: Do you know what would make it harder for you

684
00:31:28,440 --> 00:31:31,040
Speaker 5: to order Uber eats word? Okay, so you're going to

685
00:31:31,120 --> 00:31:33,720
Speaker 5: go on your Uber Eats app. I'm sorry, Uber Eats,

686
00:31:33,760 --> 00:31:35,360
Speaker 5: give me do that right now. I don't know if

687
00:31:35,400 --> 00:31:36,080
Speaker 5: you want to do this.

688
00:31:36,280 --> 00:31:38,040
Speaker 2: You're going to delete your credit card details?

689
00:31:38,200 --> 00:31:40,560
Speaker 4: No, that's actually a good idea because then you're like, oh,

690
00:31:40,560 --> 00:31:41,600
Speaker 4: I've got to go get them.

691
00:31:42,480 --> 00:31:42,680
Speaker 3: Yeah.

692
00:31:42,760 --> 00:31:44,920
Speaker 5: Do you know how many purchases I don't make online

693
00:31:44,920 --> 00:31:47,960
Speaker 5: because they don't have Apple pay or they don't have

694
00:31:47,960 --> 00:31:51,320
Speaker 5: my credit card details immediately and then I'm like, ah,

695
00:31:51,360 --> 00:31:53,600
Speaker 5: I can't actually be bothered getting up and going and

696
00:31:53,640 --> 00:31:56,320
Speaker 5: getting my credit card and keying in the details. We're

697
00:31:56,320 --> 00:31:57,800
Speaker 5: deleting our credit card details.

698
00:31:57,880 --> 00:31:59,160
Speaker 2: It always snaps you out of it.

699
00:31:59,280 --> 00:32:02,640
Speaker 5: Yea, take something and it's lame and these are small things,

700
00:32:02,640 --> 00:32:04,560
Speaker 5: but you have to now get up, go get your

701
00:32:04,560 --> 00:32:07,440
Speaker 5: wallet and manually put your credit card details in every

702
00:32:07,480 --> 00:32:08,600
Speaker 5: single time you want to do it.

703
00:32:08,680 --> 00:32:10,880
Speaker 2: Well, I just saved you a lot of money, didn't I. Yeah,

704
00:32:10,920 --> 00:32:12,240
Speaker 2: that's such a good idea because.

705
00:32:12,000 --> 00:32:13,840
Speaker 5: You have to really think about it. If I'm going

706
00:32:13,880 --> 00:32:15,440
Speaker 5: to get up and go get my wallet, I as

707
00:32:15,480 --> 00:32:17,880
Speaker 5: we'll go make pasta Yeah.

708
00:32:18,000 --> 00:32:20,960
Speaker 4: Or if you change your log into two FA two

709
00:32:21,000 --> 00:32:25,880
Speaker 4: factor authentication, like with the authenticator appe nobody in the

710
00:32:25,920 --> 00:32:27,040
Speaker 4: history of the world.

711
00:32:27,280 --> 00:32:29,720
Speaker 5: But that makes the new habit easier than the old

712
00:32:29,760 --> 00:32:32,560
Speaker 5: one in a way. Yeah, So that's what we want

713
00:32:32,600 --> 00:32:32,800
Speaker 5: to do.

714
00:32:32,960 --> 00:32:35,040
Speaker 2: And like it sounds small, but we're.

715
00:32:34,840 --> 00:32:40,280
Speaker 5: Creating barriers to make the old habit less appealing, so

716
00:32:40,320 --> 00:32:42,640
Speaker 5: that your brain actually has to pause and go hold on,

717
00:32:42,920 --> 00:32:43,720
Speaker 5: hold on, this.

718
00:32:43,800 --> 00:32:46,480
Speaker 2: Loop isn't looping. What's my new loop?

719
00:32:46,920 --> 00:32:48,960
Speaker 5: Oh, I'm going to go do that because if you're

720
00:32:49,000 --> 00:32:51,320
Speaker 5: standing there hungry and suddenly you get up, you have

721
00:32:51,360 --> 00:32:53,959
Speaker 5: to find your card dates no, it's just not going

722
00:32:54,040 --> 00:32:57,160
Speaker 5: to happen. You're more likely to think this is actually

723
00:32:57,400 --> 00:32:59,800
Speaker 5: too hard, basket, and you're going to go to the

724
00:32:59,800 --> 00:33:03,200
Speaker 5: free How do we do that? When it comes to finances,

725
00:33:03,400 --> 00:33:06,080
Speaker 5: that could look like, you know, Beck, if you're really

726
00:33:06,120 --> 00:33:09,280
Speaker 5: bad at dipping into your savings, which I mean all

727
00:33:09,320 --> 00:33:12,240
Speaker 5: of us are at some point, do you actually need

728
00:33:12,280 --> 00:33:14,400
Speaker 5: to And sometimes there's a little bit of work involved

729
00:33:14,400 --> 00:33:16,400
Speaker 5: in setting these new habits up. I'm not going to pretend,

730
00:33:16,520 --> 00:33:20,720
Speaker 5: oh it's so easy. Yeah, right, it's so easy, Beck,

731
00:33:20,960 --> 00:33:24,920
Speaker 5: But like maybe it means you, and I mean metaphorically

732
00:33:25,000 --> 00:33:27,160
Speaker 5: not physically, we're going to go and open a new

733
00:33:27,200 --> 00:33:30,800
Speaker 5: bank account with a different company. So you might bank

734
00:33:30,840 --> 00:33:33,760
Speaker 5: with NAB and you're really bad at dipping in because

735
00:33:33,800 --> 00:33:35,800
Speaker 5: like when you log into yournab account, you can see

736
00:33:35,880 --> 00:33:38,479
Speaker 5: all of your money or you're with ing whatever, you

737
00:33:38,480 --> 00:33:41,200
Speaker 5: can see all of your money and what's accessible to you.

738
00:33:41,240 --> 00:33:43,080
Speaker 5: Maybe we take your savings and put it with a

739
00:33:43,080 --> 00:33:48,760
Speaker 5: different bank. Technically they're still just as accessible, but they're

740
00:33:48,760 --> 00:33:52,280
Speaker 5: harder to get to because there's that mental barrier. But

741
00:33:52,320 --> 00:33:55,160
Speaker 5: then also you're not logging into your daily spending accounts

742
00:33:55,160 --> 00:33:56,680
Speaker 5: and having a look at how much cash do you

743
00:33:56,680 --> 00:33:59,160
Speaker 5: have beck you don't see your savings in that moment,

744
00:33:59,200 --> 00:34:02,560
Speaker 5: because your savings shouldn't be an option, Like if we're

745
00:34:02,640 --> 00:34:05,040
Speaker 5: ordering oubreits or we're checking our account to see, you know,

746
00:34:05,160 --> 00:34:06,960
Speaker 5: how much have we got to spend at the grocery

747
00:34:06,960 --> 00:34:09,880
Speaker 5: shop tonight, like I don't want you to then go,

748
00:34:10,320 --> 00:34:12,800
Speaker 5: Or if I transferred an extra fifty bucks from my savings,

749
00:34:13,000 --> 00:34:15,960
Speaker 5: we're not giving ourselves that option. And don't get me wrong,

750
00:34:16,120 --> 00:34:18,400
Speaker 5: we're in twenty twenty five. If you needed to transfer

751
00:34:18,440 --> 00:34:21,080
Speaker 5: money from your savings to a different bank.

752
00:34:20,960 --> 00:34:23,000
Speaker 2: OSCO exists, it's.

753
00:34:22,840 --> 00:34:25,880
Speaker 5: Going to happen instantaneously most times anyway, So we're not

754
00:34:26,200 --> 00:34:28,360
Speaker 5: actually making our money out of reach.

755
00:34:28,520 --> 00:34:31,080
Speaker 2: You're in an emergency, you still have your emergency fund.

756
00:34:31,360 --> 00:34:33,520
Speaker 5: Maybe that just needs to sit out of sight, out

757
00:34:33,560 --> 00:34:37,360
Speaker 5: of mind, and that can be quite constructive. It's like,

758
00:34:37,800 --> 00:34:40,319
Speaker 5: and I know that there's another barrier to entry here

759
00:34:40,360 --> 00:34:42,719
Speaker 5: for you personally, but you shared that you have now

760
00:34:42,880 --> 00:34:46,000
Speaker 5: more than five hundred dollars in your investing account, which

761
00:34:46,040 --> 00:34:49,040
Speaker 5: is so cool, But like that barrier to entry is

762
00:34:49,040 --> 00:34:51,440
Speaker 5: it's on a different platform. Yeah, you're like, oh no,

763
00:34:51,520 --> 00:34:54,480
Speaker 5: I can't touch that. Yeah, so can we create that again,

764
00:34:54,640 --> 00:34:57,080
Speaker 5: when it comes to money, I think we can.

765
00:34:57,320 --> 00:34:59,239
Speaker 2: That is a really good point for you.

766
00:34:59,480 --> 00:35:01,759
Speaker 5: We need to and you know what, I know we

767
00:35:01,800 --> 00:35:04,960
Speaker 5: need systems because I need systems. Yeah, I need systems.

768
00:35:05,000 --> 00:35:07,880
Speaker 5: I need my money to not be as accessible because

769
00:35:07,880 --> 00:35:09,719
Speaker 5: I do get a little bit tap happy, a little

770
00:35:09,719 --> 00:35:12,560
Speaker 5: bit spendy. But I know that about myself, and I'm

771
00:35:12,560 --> 00:35:15,920
Speaker 5: fine to talk about that. But what am I putting

772
00:35:15,920 --> 00:35:19,120
Speaker 5: in place so that when I'm in that mood of being, like.

773
00:35:20,080 --> 00:35:23,640
Speaker 2: I do really want to go shopping, I'm not able

774
00:35:23,680 --> 00:35:24,840
Speaker 2: to do that as easily.

775
00:35:25,280 --> 00:35:27,840
Speaker 5: So, like my savings do sit with a different bank,

776
00:35:28,200 --> 00:35:30,680
Speaker 5: and that bank account I don't have a debit card,

777
00:35:31,120 --> 00:35:33,680
Speaker 5: so it's like a savings account. Yes, I can technically

778
00:35:33,719 --> 00:35:35,799
Speaker 5: go in there and transfer money out and back to

779
00:35:35,920 --> 00:35:37,799
Speaker 5: my other bank, but I'd have to log into a

780
00:35:37,800 --> 00:35:40,680
Speaker 5: different banking app. And like if it's out of sight

781
00:35:40,840 --> 00:35:45,000
Speaker 5: for me, often it's out of mind totally. Like having

782
00:35:45,080 --> 00:35:47,520
Speaker 5: to log into something else is like a little reminder

783
00:35:47,560 --> 00:35:48,759
Speaker 5: that maybe I shouldn't be doing this.

784
00:35:49,160 --> 00:35:51,000
Speaker 4: A side note, I did actually do that the other day.

785
00:35:51,080 --> 00:35:52,360
Speaker 4: Now I have three bank accounts. I don't know if

786
00:35:52,400 --> 00:35:54,160
Speaker 4: that's too excessive, but one of them I'm not allowed

787
00:35:54,200 --> 00:35:54,680
Speaker 4: to see.

788
00:35:54,600 --> 00:35:56,600
Speaker 5: I have so many bank accounts. You can have as

789
00:35:56,600 --> 00:35:59,239
Speaker 5: many as you want. Lots of people in our community

790
00:35:59,400 --> 00:36:02,759
Speaker 5: have up Bank, like they really like Upmang and they

791
00:36:02,800 --> 00:36:05,080
Speaker 5: have like lots of different savers and whatnot.

792
00:36:05,120 --> 00:36:08,200
Speaker 2: And I think that's great. Do you think Jessica Rifke's.

793
00:36:07,800 --> 00:36:10,160
Speaker 5: Banking system she has, like I think it's like fourteen

794
00:36:10,200 --> 00:36:11,080
Speaker 5: different savers.

795
00:36:11,200 --> 00:36:12,279
Speaker 2: Oh my god, that's so good.

796
00:36:12,360 --> 00:36:14,279
Speaker 5: But like you can cut it and slice it and

797
00:36:14,320 --> 00:36:15,799
Speaker 5: dice it however where it works for you.

798
00:36:15,880 --> 00:36:17,719
Speaker 2: But I want it to work for you. That is

799
00:36:17,760 --> 00:36:19,600
Speaker 2: so tru y. Okay.

800
00:36:19,680 --> 00:36:22,279
Speaker 4: So hypothetically we've kind of like we're on this new

801
00:36:22,880 --> 00:36:25,520
Speaker 4: path that is leading us to better places.

802
00:36:25,880 --> 00:36:30,120
Speaker 2: But if like I do fumble stumble, I'm a fumbler.

803
00:36:30,160 --> 00:36:31,279
Speaker 2: I'm a stumbler, and.

804
00:36:31,239 --> 00:36:33,920
Speaker 4: I do get uber eyes yeah slay, Well, I just

805
00:36:34,000 --> 00:36:36,799
Speaker 4: will like in my brain, will that kind of like

806
00:36:36,960 --> 00:36:38,520
Speaker 4: reaffirm the habit that.

807
00:36:38,520 --> 00:36:41,560
Speaker 5: Exists or well, it does reaffirm that habit, and it

808
00:36:41,600 --> 00:36:45,520
Speaker 5: does sometimes set up a really negative self talk, like

809
00:36:45,600 --> 00:36:47,560
Speaker 5: you might go, see, I am really bad at money.

810
00:36:47,880 --> 00:36:49,560
Speaker 2: See I'm not good at this right?

811
00:36:49,680 --> 00:36:52,280
Speaker 5: Yeah cool, You've just fallen into a more comfortable behavior.

812
00:36:52,520 --> 00:36:54,520
Speaker 5: I can't judge you for that. You shouldn't judge you

813
00:36:54,560 --> 00:36:58,799
Speaker 5: for that. Something that helps me significantly is visuals. I'm

814
00:36:58,800 --> 00:37:01,560
Speaker 5: a visual learner. Like I love a picture, I love

815
00:37:01,600 --> 00:37:03,839
Speaker 5: a graph, I love a flow chart. I love when

816
00:37:03,880 --> 00:37:06,919
Speaker 5: people draw things on whiteboards. I'm like, oh, that makes

817
00:37:06,920 --> 00:37:09,040
Speaker 5: so much more sense. Now you draw a bubble around it.

818
00:37:09,880 --> 00:37:13,680
Speaker 5: Let's make it visual. So if your habit isn't visual,

819
00:37:13,760 --> 00:37:16,279
Speaker 5: it's often very hard to forget. You want to be

820
00:37:16,280 --> 00:37:18,719
Speaker 5: able to see your progress so that your brain registers

821
00:37:18,760 --> 00:37:20,120
Speaker 5: that something good is happening.

822
00:37:20,400 --> 00:37:21,120
Speaker 2: You can use you.

823
00:37:21,160 --> 00:37:23,960
Speaker 5: Know, tracking apps and spending apps, but like go on

824
00:37:24,000 --> 00:37:27,400
Speaker 5: my website, Beck there are free savings trackers.

825
00:37:27,719 --> 00:37:28,480
Speaker 2: You can print them out.

826
00:37:28,520 --> 00:37:30,880
Speaker 5: They are so asthetic because our graphic designer did a

827
00:37:30,920 --> 00:37:33,880
Speaker 5: slagh job of setting them up. But you can print

828
00:37:33,920 --> 00:37:35,520
Speaker 5: out a tracker and pop it on your fridge and

829
00:37:35,560 --> 00:37:37,919
Speaker 5: color in a bubble every time you meet a savings goal.

830
00:37:38,080 --> 00:37:41,080
Speaker 5: You could have a habit tracker where every time you

831
00:37:41,360 --> 00:37:44,040
Speaker 5: literally don't get uberitz, you give yourself a gold star.

832
00:37:44,560 --> 00:37:46,799
Speaker 2: I love a gold star. Yeah, gorgeous.

833
00:37:46,960 --> 00:37:49,839
Speaker 5: I love the idea that I can track things, post

834
00:37:49,920 --> 00:37:52,640
Speaker 5: it notes on your mirrors, a note on your fridge

835
00:37:52,760 --> 00:37:56,000
Speaker 5: with your actual savings goal or your spending limits, Like

836
00:37:56,200 --> 00:37:58,720
Speaker 5: maybe there's a paper calendar that you can tick things

837
00:37:58,719 --> 00:38:02,240
Speaker 5: off or draw things on. I think when it comes

838
00:38:02,320 --> 00:38:07,160
Speaker 5: to habits, what triggers your dopamine? Sure, make use of that.

839
00:38:07,920 --> 00:38:11,440
Speaker 5: Make if I use dopamine as your best friend? Okay, okay,

840
00:38:11,480 --> 00:38:14,240
Speaker 5: but how do we do that? We want those dopamine hits,

841
00:38:14,280 --> 00:38:16,200
Speaker 5: but I want it to be associated with your money

842
00:38:16,200 --> 00:38:19,520
Speaker 5: and good habits and creating habits that make sense to you.

843
00:38:19,600 --> 00:38:24,359
Speaker 5: But beckwi humans you said before like, oh, like if

844
00:38:24,360 --> 00:38:26,800
Speaker 5: I order your breathes, like, am I a bad person?

845
00:38:26,960 --> 00:38:31,680
Speaker 2: Absolutely? Not like a You're not a robot? Ew no,

846
00:38:31,800 --> 00:38:32,520
Speaker 2: thank you.

847
00:38:32,520 --> 00:38:34,879
Speaker 5: You're not going to get it right every single day,

848
00:38:35,360 --> 00:38:37,160
Speaker 5: Like there are going to be times that you fall

849
00:38:37,200 --> 00:38:39,680
Speaker 5: off the bandwagon, and you know what, that's fine?

850
00:38:40,080 --> 00:38:40,919
Speaker 2: Do you know what that does?

851
00:38:41,000 --> 00:38:43,440
Speaker 5: It reminds us do we still want to be doing this?

852
00:38:43,600 --> 00:38:45,560
Speaker 5: You'd be like, yes, I do. I'm just going to

853
00:38:45,600 --> 00:38:48,480
Speaker 5: get back on the horse. It doesn't matter. Your money

854
00:38:48,520 --> 00:38:51,680
Speaker 5: does not define you as a human being. Have you

855
00:38:51,760 --> 00:38:54,359
Speaker 5: ever looked at somebody and mean, like, she's.

856
00:38:54,200 --> 00:38:56,640
Speaker 2: So good at budgeting. I want to be her friend?

857
00:38:57,800 --> 00:39:00,920
Speaker 2: Unfortunately not except for you. No, hopefully you don't want

858
00:39:00,960 --> 00:39:03,399
Speaker 2: to be my friend because I'm good at money. That's

859
00:39:03,680 --> 00:39:05,040
Speaker 2: so key, weird, beg.

860
00:39:05,719 --> 00:39:07,600
Speaker 5: I've never looked at someone and been like, oh, she's rich,

861
00:39:07,640 --> 00:39:09,000
Speaker 5: I want to be a friend. And if you are

862
00:39:09,040 --> 00:39:10,680
Speaker 5: looking at people and want to be their friends because

863
00:39:10,680 --> 00:39:15,319
Speaker 5: they're wealthy, weird, so weird. Maybe like missing one or

864
00:39:15,360 --> 00:39:19,879
Speaker 5: two days of your habits it doesn't matter, like, yeah,

865
00:39:19,960 --> 00:39:23,359
Speaker 5: might impact your progress. Cool, we can push timeframes out,

866
00:39:23,400 --> 00:39:26,719
Speaker 5: that doesn't matter. Just be kind to yourself. If you

867
00:39:26,719 --> 00:39:29,279
Speaker 5: can't be kind to yourself, how are you expecting other

868
00:39:29,320 --> 00:39:30,520
Speaker 5: people to be kind to you?

869
00:39:30,600 --> 00:39:32,399
Speaker 2: Right? How you're going to stick to anything? If your

870
00:39:32,640 --> 00:39:34,000
Speaker 2: internal monologue is I.

871
00:39:33,920 --> 00:39:36,239
Speaker 5: Think just showing up is the most important part. And

872
00:39:36,239 --> 00:39:38,000
Speaker 5: if you don't feel like you showed up today, that

873
00:39:38,120 --> 00:39:39,080
Speaker 5: is absolutely fine.

874
00:39:39,120 --> 00:39:42,480
Speaker 2: You can show up tomorrow. That is so fine.

875
00:39:42,680 --> 00:39:46,240
Speaker 5: It's what creates change, It's what's going to create good habits.

876
00:39:46,280 --> 00:39:48,560
Speaker 5: And I think so many times we tell ourselves I'm

877
00:39:48,560 --> 00:39:50,040
Speaker 5: so bad at money, or I'm not good at this,

878
00:39:50,239 --> 00:39:52,239
Speaker 5: or I'm never going to be good at that. Beck

879
00:39:52,520 --> 00:39:55,879
Speaker 5: money is genuinely not hard. It's hard because we've never

880
00:39:55,920 --> 00:39:58,360
Speaker 5: done it. Yeah, anything is hard when you've never done it.

881
00:39:58,440 --> 00:40:00,719
Speaker 2: That is a really good reminder. Definitely something that I

882
00:40:00,719 --> 00:40:02,080
Speaker 2: think we all probably hear.

883
00:40:02,160 --> 00:40:04,799
Speaker 5: Literally, and you're literally one of the most creative people

884
00:40:04,840 --> 00:40:05,080
Speaker 5: I know.

885
00:40:05,520 --> 00:40:05,960
Speaker 2: Thank you.

886
00:40:06,040 --> 00:40:09,120
Speaker 5: How did you know how to do like clay arts?

887
00:40:09,160 --> 00:40:11,719
Speaker 5: How do you know how to fire things? Research? Right?

888
00:40:11,960 --> 00:40:13,280
Speaker 2: Yes, that's very true.

889
00:40:13,280 --> 00:40:15,960
Speaker 5: But like if you can teach yourself six million new

890
00:40:16,000 --> 00:40:19,880
Speaker 5: habits like that or little crafts or little hobbies, I

891
00:40:20,000 --> 00:40:22,439
Speaker 5: promise you can learn about money. Money is not that hard.

892
00:40:22,560 --> 00:40:25,479
Speaker 2: Oh my god, that is so true, Like I promise. Wow,

893
00:40:25,520 --> 00:40:27,239
Speaker 2: what a spiritual awakening this has been.

894
00:40:27,400 --> 00:40:30,879
Speaker 5: Anyway, I think just starting small, making it obvious, giving

895
00:40:30,920 --> 00:40:34,160
Speaker 5: yourself a little reward, and just keep going. You're not failing.

896
00:40:34,200 --> 00:40:37,080
Speaker 5: You're actually learning. Like when we're not working something out

897
00:40:37,680 --> 00:40:40,879
Speaker 5: and you're saying, oh, I did that wrong. You didn't

898
00:40:40,960 --> 00:40:43,480
Speaker 5: used to see that is wrong. Yeah, like you're learning,

899
00:40:43,520 --> 00:40:46,239
Speaker 5: you're creating your own boundaries, and we love to see it.

900
00:40:46,680 --> 00:40:47,359
Speaker 2: Every time you.

901
00:40:47,320 --> 00:40:49,680
Speaker 5: Show up, even in a tiny way, you're actually just

902
00:40:49,719 --> 00:40:52,520
Speaker 5: reinforcing a habit that future you is going to love

903
00:40:52,560 --> 00:40:52,920
Speaker 5: you for.

904
00:40:53,320 --> 00:40:55,920
Speaker 2: We love to see that. We love to see that exactly.

905
00:40:56,040 --> 00:40:56,239
Speaker 1: Yeah.

906
00:40:56,280 --> 00:40:58,080
Speaker 2: I really needed this talk today, so thanks.

907
00:40:58,120 --> 00:40:59,880
Speaker 5: Sorry. Sorry I didn't mean to make you feel like

908
00:41:00,080 --> 00:41:03,120
Speaker 5: ACKed by me going change your habits, change your life.

909
00:41:03,719 --> 00:41:05,920
Speaker 2: You know, I personally really needed this.

910
00:41:06,320 --> 00:41:07,920
Speaker 4: So if you've got a friend who keeps saying I'm

911
00:41:07,960 --> 00:41:09,480
Speaker 4: just bad with money, make sure he shares.

912
00:41:09,520 --> 00:41:12,440
Speaker 2: Remember you're just not prioritizing her.

913
00:41:12,480 --> 00:41:14,840
Speaker 4: And also, how do you know if you haven't been taught,

914
00:41:15,520 --> 00:41:18,120
Speaker 4: don't forget to subscribe so you never miss an episode

915
00:41:18,160 --> 00:41:20,799
Speaker 4: because we've got so much more money, mindset goodness coming

916
00:41:20,840 --> 00:41:21,200
Speaker 4: your way.

917
00:41:21,280 --> 00:41:24,120
Speaker 5: And we're like really smart, and we're really smart yeah,

918
00:41:24,160 --> 00:41:25,440
Speaker 5: and like really hot.

919
00:41:25,360 --> 00:41:30,120
Speaker 4: Yeah, and also yes, very hot. Don't do version.

920
00:41:31,400 --> 00:41:34,719
Speaker 2: We have faces for audio. Yeah, just trust us. We're

921
00:41:34,719 --> 00:41:38,040
Speaker 2: really hot. Yeah, trust us. Anyway, have a good week, guys.

922
00:41:38,080 --> 00:41:46,680
Speaker 5: By guys, did buy shared or? She's on the Money

923
00:41:46,800 --> 00:41:49,360
Speaker 5: is general in nature and does not consider.

924
00:41:49,000 --> 00:41:53,160
Speaker 2: Your individual circumstances. She's on the Money exists purely.

925
00:41:52,840 --> 00:41:55,799
Speaker 5: For educational purposes and should not be relied upon to

926
00:41:55,800 --> 00:41:59,160
Speaker 5: make an investment or financial decision. If you do choose

927
00:41:59,160 --> 00:42:02,120
Speaker 5: to buy a financial product, read the PDS TMD and

928
00:42:02,200 --> 00:42:04,440
Speaker 5: obtain appropriate financial advice.

929
00:42:04,120 --> 00:42:05,440
Speaker 2: Tailored towards your needs.

930
00:42:05,800 --> 00:42:09,760
Speaker 5: Victoria Divine and Sheese on the Money are authorized representatives

931
00:42:09,800 --> 00:42:12,360
Speaker 5: of Money sheerper p t y lt D. A b

932
00:42:12,520 --> 00:42:15,560
Speaker 5: N three two one six four nine two seven seven

933
00:42:15,680 --> 00:42:19,800
Speaker 5: zero eight afs L four five one two eight nine