Speaker 1: Hello, my name is Satasha Nabananga Bamblet. I'm a proud
Speaker 1: or the Order Kerni Whaltbury and a waddery woman. And
Speaker 1: before we get started on She's on the Money podcast,
Speaker 1: I would like to acknowledge the traditional custodians of the
Speaker 1: land of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money the podcast.
Speaker 4: I believes rich girl energy isn't about discipline, It's about systems.
Speaker 2: If you've ever thought, I know, isn't that nute girl energy? Yeah? Okay, okay,
Speaker 2: I like it going all right.
Speaker 4: If you've ever thought, why can't I just stick to
Speaker 4: a budget? Or why do I keep making the same
Speaker 4: mistakes over and over? That's literally me spoiler alert. It's
Speaker 4: not because you're bad with money, It's because money habits
Speaker 4: aren't about discipline, they're about systems. VD I'm excited and
Speaker 4: joining me is the woman who turns financial stress into
Speaker 4: financial confidence, the queen of realistic money advice. Nice of you, Well,
Speaker 4: I was in a good mood today, Oh thank you.
Speaker 2: I think it's so interesting because everybody looks at me
Speaker 2: and thinks that maybe I am so good at money
Speaker 2: and discipline. Yeah, and like I'm not. I'm just good
Speaker 2: at creating systems that work and still giving myself enough
Speaker 2: breathing room to feel like I'm not confined by a budget.
Speaker 2: But like, if we don't have the right system set up,
Speaker 2: we can't be successful. So I think from my perspective,
Speaker 2: and you know, knowing that I am a magpie, you
Speaker 2: could say I needed a system that took away essentially
Speaker 2: a lot of the control that said, this is the
Speaker 2: money you can play with, this is the money that
Speaker 2: you cannot play with. Go forth and prosper right, Okay, Okay.
Speaker 2: See the problem is that I do do this and
Speaker 2: I spend it anyway. That's human nature, right, Like, You're
Speaker 2: not the problem. You are not the problem, and none
Speaker 2: of us are the problem. The problem is not having
Speaker 2: a system that works for you. Because I can almost
Speaker 2: guarantee if I set you up and you had a
Speaker 2: system and gave you enough cash back that you could
Speaker 2: still go to the pub with your mates, have a
Speaker 2: few soda waters. You could still you know, live life
Speaker 2: to the fullest. But in the background, all your bills
Speaker 2: were being paid and your savings were banking up slowly,
Speaker 2: you'd feel really confident. Yeah. Yeah, and often once we
Speaker 2: have that financial security in the background, but you're not
Speaker 2: as impulsive because you're not looking for instant gratification, because
Speaker 2: you're gratified. Yeah, like you know when you're just like, oh,
Speaker 2: I'm all good, I don't need anything. Like that's where
Speaker 2: we're getting to. Whereas I think a lot of us
Speaker 2: use instant gratification, especially around spending, as a coping mechanism
Speaker 2: to feel like we're in control of our money. And like,
Speaker 2: obviously I'm a bit of a stat scale and forty
Speaker 2: four percent of your daily behaviors are actually automatic, so
Speaker 2: they just happen without you even thinking. But if you're
Speaker 2: stuck in like a bad loop, like maybe you're like
Speaker 2: me and you get a little bit scroll happy, or
Speaker 2: you're good at overspending, or you're really good at getting
Speaker 2: uber eats when maybe you should just be cooking the
Speaker 2: pasta that you have at home. It's actually not about
Speaker 2: personal failure. It doesn't mean that you are bad at money.
Speaker 2: It's actually just a really well rehearsed system. And as
Speaker 2: a human being, do you know what we like? We
Speaker 2: like predictability, we like comfort, we like stability. I was
Speaker 2: literally having this conversation at work yesterday because I have
Speaker 2: just changed beck side note a whole heap of systems
Speaker 2: in Zell the Money, and one of my team goes, oh,
Speaker 2: but I really liked the old document. I'm thinking the
Speaker 2: old document's ugly. The new document is slay, like what's
Speaker 2: going on here? And I'm like trying to dive into it.
Speaker 2: I'm like, you know what about the old document? Did
Speaker 2: you like that the new document doesn't have? Because I
Speaker 2: can always guarantee you like like for like that the
Speaker 2: new one's better. She's like, Oh, it just feels really comfortable,
Speaker 2: Like I know it, I know how to talk through
Speaker 2: it with clients. This new one I haven't really had
Speaker 2: any experience talking through with clients and you just go
Speaker 2: so you're comfortable. I totally guess that. But if we
Speaker 2: can make you comfortable with this new system and this
Speaker 2: new way of talking, it's going to be better. Yeah,
Speaker 2: but not changing is not actually a positive thing. Like
Speaker 2: it's so good to grow and change, but it doesn't
Speaker 2: mean that you're bad at things. It just means there's
Speaker 2: a new, updated system that's working better. Yeah, I know that.
Speaker 2: When our phone sends that reminder, Oh, do you want
Speaker 2: to update the system tonight, we all say, oh no,
Speaker 2: I can't be bothered with a new operating system. But
Speaker 2: then when you got it, you take new friends being like,
Speaker 2: did you see those new emojis? Yes, oh, yeah, the
Speaker 2: new emojis exactly, yes, I did, and I want those,
Speaker 2: But like, I just don't want change right now. Yes, God,
Speaker 2: it's uncomfortable.
Speaker 4: You know, an ideal world, change would happen and we
Speaker 4: would just immediately adapt to that, having to do any
Speaker 4: work that would be ideal.
Speaker 2: But basically our brains are still wired as though we're
Speaker 2: cavemen back.
Speaker 4: That's true, but also adapting is inevitable and that is
Speaker 4: a beautiful thing.
Speaker 2: But I do want an OVD. How do we actually
Speaker 2: break those habits and start building better ones. It's hard
Speaker 2: because we have to be a little bit real with ourselves.
Speaker 2: I don't want to be real, no, because it's not fun, right,
Speaker 2: like we have to identify the habits that aren't serving us,
Speaker 2: and that doesn't feel good. Like if I sit you
Speaker 2: down and be like, okay, cool, like you said you
Speaker 2: want to change, what about you do you want to change,
Speaker 2: You're going to be like, oh, nothing, nothing, I'm perfect
Speaker 2: in it and actually okay, But it's confronting right when
Speaker 2: you go, oh, actually, I do spend too much here,
Speaker 2: or I'm not prioritizing my savings or I'm not because
Speaker 2: we have to change our system. So I think we
Speaker 2: have to get really real about it. And ultimately, you're
Speaker 2: not making bad choices on purpose. You're literally just repeating
Speaker 2: what your brain sees as really easy and really familiar.
Speaker 2: Like if you are comfortable doing that, and like the
Speaker 2: outcome wasn't that bad last time, why not just do
Speaker 2: it again? Yeah? Why not? It's comfy. Why would I change? Like, yes,
Speaker 2: I know that, you know, for example, using after pay
Speaker 2: isn't good, and you know it does take money out
Speaker 2: of my account moving forward, and I have regretted a
Speaker 2: lot of my purchases, but that dress does look clearly
Speaker 2: I'm just going to do it again because like the
Speaker 2: outcome is quote not that bad, It's not that bad,
Speaker 2: but we could just do it again, right, But ultimately
Speaker 2: that's not serving you when we need to break that cycle.
Speaker 2: And that's not comfortable because I'm asking you to make
Speaker 2: a different decision that does make you slightly uncomfortable. But
Speaker 2: the outcome is great. The outcome is better, The outcome
Speaker 2: is empowering, and I think we need to focus on
Speaker 2: that because I don't know if people are going to
Speaker 2: be on the same page as me. But I don't
Speaker 2: believe that like motivation, and I've said this before on
Speaker 2: the podcast, like motivation and rule power really exist in
Speaker 2: a way like they're just not going to cut it.
Speaker 2: Like discipline is just doing it, Like you're not going
Speaker 2: to get motivated back to do it. You're not going
Speaker 2: to wake up. It's like going to the gym. You're like,
Speaker 2: you're so good at this. I'm not. But like you
Speaker 2: don't wake up and go I'm so excited to go
Speaker 2: to the gym. You still wake up and you're tired
Speaker 2: and over it and you're just like, oh, maybe I
Speaker 2: do need an extra coffee today, But like you just
Speaker 2: do it, like we just get up and do it.
Speaker 2: Like that's discipline. And I think if we can give
Speaker 2: ourselves more discipline, we are able to achieve those things
Speaker 2: because I think people assume that motivation is going to
Speaker 2: be like the golden ticket, like oh, if I do this,
Speaker 2: or if I get a new cute workout set, I'll
Speaker 2: be more motivated to go. No, girl, like I've tried
Speaker 2: that the brand new pink Lululemon workout set that does
Speaker 2: look bomb on it doesn't actually get you out of
Speaker 2: bed that much earlier. Maybe one time because you're excited
Speaker 2: to wear it for the first time, but the second, third,
Speaker 2: and fourth time you're just like, well, you're used to
Speaker 2: it by then, exactly like we're over it, right, So
Speaker 2: what do we do instead, Well, I guess instead of
Speaker 2: just hoping and wishing that we would be better and going, oh,
Speaker 2: maybe later, like we need to live in the now
Speaker 2: and just go well maybe now, maybe right now, instead
Speaker 2: of going one day, oh how good are we as
Speaker 2: well are going like, oh my god, Beck, I'll just
Speaker 2: do it when I get a pay rise. Or like
Speaker 2: if I said to you, and this is not an
Speaker 2: attack on you by any stretch of the imagination, it's
Speaker 2: just a really good example. If I said to you, hey, Beck,
Speaker 2: let's sit down and do your budget and you were
Speaker 2: like not in the mood to do that. You might go, oh, well,
Speaker 2: maybe let's wait till next payday. Yes, maybe let's wait
Speaker 2: until Like there's always us pushing it off. Why it's
Speaker 2: not because payday is going to be a better time
Speaker 2: to budget, Beck, it's just a better way to push
Speaker 2: things off and give us a justification and some validation
Speaker 2: for not doing what we should be doing in the moment. Ah,
Speaker 2: because like you and I could sit down and do
Speaker 2: a budget today. It's not that Camfy is going to
Speaker 2: be about change. And yes, you might not be able
Speaker 2: to stick to it right now because we do need
Speaker 2: to wait till pay day, But like if you did
Speaker 2: it today instead of waiting till pay day? Have we
Speaker 2: not got a plan for what happens on payday? That's
Speaker 2: very true. We're setting ourselves up for success, and I
Speaker 2: think that that's important. But ultimately the goal is build
Speaker 2: better systems. You are not the problem. Your system is
Speaker 2: the problem. And how the hell have you got a
Speaker 2: functioning good system back if you've never been taught? Like,
Speaker 2: who was going to set your system up to begin with? Totally?
Speaker 2: That is so true, Like who's going to set you
Speaker 2: up and be like, okay, back, here are the bank
Speaker 2: accounts you need, here's where your money should go into.
Speaker 2: Here's how much you're spending on average, so we need
Speaker 2: to transfer that each week. And you go, oh, that
Speaker 2: makes sense. No one set you down and done that.
Speaker 2: So we need to focus on changing the system around you,
Speaker 2: not just your behavior, because your behavior that's the really
Speaker 2: hard part. But if I gave you a system that
Speaker 2: kind of forces you into a behavior, we love to
Speaker 2: see it. We love we love to see it, see it.
Speaker 2: So how do we do that? So I think that's
Speaker 2: around understanding the psychology of how habits work. And like
Speaker 2: this sounds a little bit fluffy, but Beck, I don't
Speaker 2: know if people know this about me, because I have
Speaker 2: looked at our stats recently. We actually have a lot
Speaker 2: of new friends joining us, which is very exciting. Hello.
Speaker 2: This is Beck, and I'm Victoria, and I'm wildly passionate
Speaker 2: about financial literacy. But I also have a background in
Speaker 2: behavioral psychology, so I haven't accidentally started talking about psychology
Speaker 2: from a place where I'm like I learned this on TikTok.
Speaker 2: I actually have two psych degrees, which I don't know.
Speaker 2: That's pretty cool. That's pretty cool. She's well within her rye. Yeah,
Speaker 2: my mum's like really proud of me. But we need
Speaker 2: to understand the psychology of how habits work, because ultimately
Speaker 2: habits work in loops. The loop is there's a trigger,
Speaker 2: there's a behavior, and then there's a reward. And we
Speaker 2: love rewards like I don't lie, I love a sweet treat.
Speaker 2: I love like have you not been trying to create
Speaker 2: habits for yourself even if you've never thought about Oh?
Speaker 2: I need to understand the psychology of like habits. Like Beck,
Speaker 2: I say you need to have a new habit, or
Speaker 2: you need to do something new tomorrow. If I said
Speaker 2: there's a sweet treat at the end, you're more likely
Speaker 2: to want to do it. And you know that that
Speaker 2: could reinforce the behavior. Right, So we all, I think,
Speaker 2: inherently understand this idea of how to set up a
Speaker 2: good habit. But the reward can't be a sweet treat
Speaker 2: because that's going to eat into our budget. We can't
Speaker 2: assume that there's going to be a big reward every
Speaker 2: single time. It needs to be small hits of dopamine.
Speaker 2: And I think in twenty twenty five, the shitty thing
Speaker 2: Beck is that we all have dopamine addictions, Like we
Speaker 2: all are so good at instant gratification, Like there is
Speaker 2: not a time where I can't just get the things
Speaker 2: that I want in my hands within twenty four hours, right,
Speaker 2: Like I can order things on Amazon, I could order
Speaker 2: dinner on Uber Eats. If I have a question, I
Speaker 2: can google it. Like your attention span in twenty twenty
Speaker 2: five is absolutely looked in comparison to what it used
Speaker 2: to be. How long dides it take you beck to
Speaker 2: scroll off a video on TikTok if it's not interesting you,
Speaker 2: oh my god? Truely? Like I can't be bothered with this,
Speaker 2: can't be bothered with that? Why the hell would you
Speaker 2: be bothered with setting up a whole brand new habit
Speaker 2: around budgeting and cash flu that's boring. When I could
Speaker 2: watch TikTok's of people doing their makeup, I prefer that. Yeah,
Speaker 2: and you don't even wear makeup, don't, but I love
Speaker 2: to watch it. Isn't it crazy? Like the amount of
Speaker 2: building videos I watch on TikTok. Babe, You're never going
Speaker 2: to build anything up? Why are you educating yourself? But
Speaker 2: I think if it's around things like you're ordering Uber
Speaker 2: Eats when you've literally got food at home. I think
Speaker 2: it's about breaking that habit loop. So you're not just
Speaker 2: buying Uber eats because like you're like, oh, I really
Speaker 2: am craving Chinese tonight. We need to break the habit
Speaker 2: that you are like, oh, I'm stressed, I'm tired, it's late,
Speaker 2: it's the end of the day. There's nothing easy in
Speaker 2: my fridge. I just the easiest thing here is going
Speaker 2: to be ordering Uber Eats and I'll just know I'm
Speaker 2: bad at it, but I'm going to deal with this later.
Speaker 2: That whole habit needs to be reset. I need to
Speaker 2: get some stuff into your fridge back that rewards you
Speaker 2: for being tired, Like you're like okay, cool, Like I
Speaker 2: don't have to cook a whole pot roast. But we
Speaker 2: need to break the habit. What things could you keep
Speaker 2: in your fridge that are quick and easy to cook?
Speaker 2: Are we looking at things that you know you might go, oh,
Speaker 2: but Victoria when I'm at the supermarket, those like pre
Speaker 2: made meals are so expensive, Like you look at them
Speaker 2: and you're like fourteen dollars a huge oke, Like I
Speaker 2: feel like they're expensive.
Speaker 4: They are expensive. Sometimes the home brand ones are pretty good,
Speaker 4: but if you want to be something that looks advertising.
Speaker 2: Exactly, like, let's pretend it's fourteen dollars and I feel
Speaker 2: like that feels expensive sometimes, yeah, definitely, but what are
Speaker 2: you spending on Uber Eats?
Speaker 1: Oh?
Speaker 2: True? Like you know what I mean. You need to
Speaker 2: contextualize things. So I'm not saying that this pre made
Speaker 2: fourteen dollar meals are the answer, but like, let's break
Speaker 2: the habit of always ordering Uber eats and get some
Speaker 2: quick things in your free Yeah great, let's go here.
Speaker 2: And I know this isn't going to align to everybody's budgets,
Speaker 2: but this is just an example. Let's just do an intermediate.
Speaker 2: So now there's things in the fridge and you've gotten
Speaker 2: in the habit of like heating something up. Now a
Speaker 2: few steps down the road, let's get like some pasta
Speaker 2: and some stuff in your pantry that you could whip
Speaker 2: up a quick pasta. We're not just breaking a habit
Speaker 2: by going to the hardest option. By going you actually
Speaker 2: have to cook everything from scratch. And also you now
Speaker 2: have to sacrifice your Sunday beit because you have to
Speaker 2: do meal prep. Like that's not going to sound that good,
Speaker 2: but why don't we find a small step in the
Speaker 2: right direction where you're putting some quick meals in the fridge,
Speaker 2: so instead of having ubreats, there's something appetizing, it's quick,
Speaker 2: you pop it in the microwave. Yes, it's not the
Speaker 2: cheapest option on the market, but that is damn cheaper
Speaker 2: than uber eats. Yeah. So like let's do that and
Speaker 2: then small steps in the right direction, right, because you're
Speaker 2: still getting that dopamine hit of going, oh, there's something
Speaker 2: nice for me in their fridge. We need to do
Speaker 2: that with money, Okay, we need to be setting ourselves
Speaker 2: up for success. I'm not going to strip you you
Speaker 2: back and go here's this really strict budget. You will
Speaker 2: it's like a horse going into a horse float for
Speaker 2: the first time. You will buck and fight and not
Speaker 2: want to go in. You probably bite someone. Well, that's
Speaker 2: very true. Like I don't want to be restricted. No, no, okay,
Speaker 2: but like, what tiny little steps in the right direction
Speaker 2: can we take that feel good but also create really
Speaker 2: solid habits for us into the future. Yeah.
Speaker 4: And I think once you get a bit of a
Speaker 4: briggle on and a snowball effect, yeah, you kind of
Speaker 4: become obsessed with it.
Speaker 2: And you're kind of go freight. There's always something in
Speaker 2: the fridge, and then you might become more attuned to
Speaker 2: opening the fridge instead of picking up your phone. And
Speaker 2: that's what we want to see, right, that's what we
Speaker 2: want to see. We want to see. So if we're
Speaker 2: talking about I guess habit triggers, there are actually five
Speaker 2: triggers of a habit that I think we need to understand. So,
Speaker 2: like you know, we talked before about like a habit loops.
Speaker 2: You've got your trigger, you've got your behavior, and then
Speaker 2: you've got your reward. We love a reward. But there
Speaker 2: are different triggers that trigger habits, right, So the first
Speaker 2: is the time of day, so you're used to doing
Speaker 2: something at a specific time of day. It maybe is
Speaker 2: I finish work and then I order takeaway for me,
Speaker 2: It's I wake up in the morning and I have
Speaker 2: to brush my teeth. Like it's little things that have
Speaker 2: just become part of my loop. You know, Like I'm
Speaker 2: in autopilot, and we want budgeting to become autopilot. I
Speaker 2: don't want it to be stressful for you and your brain.
Speaker 2: It just starts to associate six PM with that habit. Yeah,
Speaker 2: Like what do you do when you get home back
Speaker 2: and you're about to order rebreats, like there will be
Speaker 2: a specific set of things that you do. You might go,
Speaker 2: I'm gonna grab a water, I'm gonna sit on the couch,
Speaker 2: open phone. Yes, that's the plan, that's the loop. We
Speaker 2: need to break that. The next is your location or
Speaker 2: your environment. So being in certain spaces can trigger habits.
Speaker 2: So you like walk into the kitchen and suddenly you're
Speaker 2: thinking about a snack and automatically you go to the
Speaker 2: fridge and have a look, even though you know there's
Speaker 2: no snap in the fridge. These are automated. These are
Speaker 2: just how our body goes. I know this environment, I
Speaker 2: know what I do in this environment right right. The
Speaker 2: next is your emotional state. And I think this one
Speaker 2: is downplayed a lot, but your emotional state is so important.
Speaker 2: And it's stress, it's boredom, it might be loneliness, even celebrations,
Speaker 2: Like all of these things trigger habits without us even
Speaker 2: recognizing it or being able to realize it. Like you're
Speaker 2: not often craving food, You're craving some level of comfort. Yeah,
Speaker 2: I've had a long day. I do deserve an ice cream,
Speaker 2: I deserve a treat. Yes, I deserve a for a wash.
Speaker 2: And then the second last trigger is other people. Oh yeah, sorry, sorry,
Speaker 2: but other people getting involved in your life is going
Speaker 2: to mean that if your partner's always ordering takeaway Beck,
Speaker 2: you're more likely to be like, oh, yes, course yeah.
Speaker 2: And if it's an a husband and I like, I
Speaker 2: try not to eat the ice creams at home, Beck,
Speaker 2: And then your husband's on the car with me, He's like,
Speaker 2: do we have any ice creams? And I'm like, yeah,
Speaker 2: we do. We do have ice creams. Yes, I've been
Speaker 2: sitting on the couch thinking like ice cream and then
Speaker 2: I'm like, no, no, he had one yesterday, Like you
Speaker 2: do not need an ice cream every single night. And
Speaker 2: then my husband looks at me and says, do we
Speaker 2: have any of those racist ice creams? And I go, oh, yes, yes,
Speaker 2: we absolutely. Isn't that annoying? Like it's annoying because it's like, especially.
Speaker 4: If the habit wasn't there before the day, Like I
Speaker 4: never needed an ice cream.
Speaker 2: I was never a dessert person. And then I got
Speaker 2: with my partner and here is a dessert. Anyway. It's
Speaker 2: all of these small things and I think, yes, we're
Speaker 2: talking about food here, but I think it's just like
Speaker 2: the most relatable thing because then we can loop it
Speaker 2: back to going, oh my god, I do understand those
Speaker 2: inherent habits in my body and in my life. Okay,
Speaker 2: they clearly are going to be happening in my money
Speaker 2: world as well. Right right, Habits are not easy to form,
Speaker 2: but they are also they're kind of like on autopilot.
Speaker 2: And I guess that's the fifth trigger, right, it's preceding action.
Speaker 2: Receding action is like something you do right before you
Speaker 2: do this thing that maybe you don't want to do forever.
Speaker 2: Like it's things to me, you say, oh, I really
Speaker 2: need to be better at XYZ. But it's like if
Speaker 2: you finish a meeting or you put your keys down,
Speaker 2: it can automatically cue a habit or a response like
Speaker 2: you finish work, I deserve a treat. And once you're
Speaker 2: able to figure out what that trigger is, you're able
Speaker 2: to like break the loop or hack the loop and
Speaker 2: you can keep the reward, but maybe choose a different
Speaker 2: behavior that still goes I guess to that little dopamine
Speaker 2: hit in your brain, like it still gets you to
Speaker 2: pick that up, and like there are so many habits
Speaker 2: and triggers in your body that you might go, oh,
Speaker 2: I just thought that's how I just worked. Right. But
Speaker 2: we can break them and change them. Do you know
Speaker 2: what my funniest one is, Beck, tell me, I swear
Speaker 2: like my brain, she's not a girl's girl sometimes, right,
Speaker 2: she just works against me. So I've had a good day.
Speaker 2: I'm not even thinking about anything. I've driven home. I
Speaker 2: get home, I feel absolutely fine. I get to my
Speaker 2: front door. I put the key in my front door,
Speaker 2: overwhelming urged to p yeah, I have to pay immediately.
Speaker 2: Like it's like my brain is like you are home.
Speaker 2: It's like the keys or some sound or like getting
Speaker 2: to the front door. And then I start to fumble
Speaker 2: and I'm like, fire out, I really need to go
Speaker 2: to the market. What the hell? Like it's literally and
Speaker 2: you can break that as well, but like it's an
Speaker 2: automated something has triggered in my brain and it's decided
Speaker 2: that's the outcome. What the hell? So they don't have
Speaker 2: to make sense, Beck, but we can identify these habits
Speaker 2: that something might happen and something might be the trigger,
Speaker 2: and then all of a sudden you need to do that.
Speaker 2: It's like Pavlov's dog. Like if you've heard about that right.
Speaker 2: So Pavlov trained dogs to start drooling based on the
Speaker 2: sound of a bell because he started giving them treats.
Speaker 2: So he would ring the bell, give the dog a treat,
Speaker 2: ring the bell, give the dog a treat. No bell,
Speaker 2: no treat, bell, treat. Then he took the treat away. Cruel.
Speaker 2: That's cruel, right, But he ran the belt and the
Speaker 2: dog was like, Aha, treat, treat's coming, and it started drooling.
Speaker 2: I didn't like it. No treat came. Well, that's so mean.
Speaker 2: That's a game, right, Yeah, But like that's what we
Speaker 2: need to learn from because I know that you don't
Speaker 2: want to be compared to a dog. But at the
Speaker 2: end of the day, we can be trained in the
Speaker 2: same way as animals. Yeah, we're just animals. We just
Speaker 2: out you're doing our best, like I'm just a caveman
Speaker 2: and sell you beck.
Speaker 4: Okay, So that does make a lot of sense and
Speaker 4: honestly explains a lot.
Speaker 2: Of my life. But how do we start building like
Speaker 2: better habits. Oh, you don't want to pee when you
Speaker 2: get to your front door. I need to do a
Speaker 2: little bit more than that one. When you get the
Speaker 2: front door, you want to invest? Is that way? It's exactly.
Speaker 2: I get to the front door, I see my keys,
Speaker 2: and I'm like, oh damn, I'm jumping on chass, desperate
Speaker 2: to invest inside. Oh my goodness, get me at my budget.
Speaker 2: I don't know if I can do that for you,
Speaker 2: but we can definitely like create some good financial habits
Speaker 2: that make it feel late that right.
Speaker 4: Yeah, like you're busting seas, shaking, dragging. Okay, So we're
Speaker 4: going to break it down right after this short break.
Speaker 4: It's all about making your money habits as easy as
Speaker 4: ordering your breeds, but with way less regret. Welcome back everyone, okay,
Speaker 4: V Now, I want to know, once we know our
Speaker 4: habit loop, what do.
Speaker 2: We actually Oh, we have so many habit loops. Yeah, like,
Speaker 2: so what do we do about them? Well, it's about
Speaker 2: kind of keeping the queue, changing the behavior, right, And
Speaker 2: I'm going to stop talking about how when I get
Speaker 2: home I really need to pee, But that is a
Speaker 2: habit I would like to break. Do you know how
Speaker 2: stressful it is getting home and you've got like arms
Speaker 2: full of groceries, I've got a kid on my hip,
Speaker 2: I'm trying to get the key in the door, and
Speaker 2: then I'm like, oh my goodness, why do I have
Speaker 2: to pee right now. I don't even need to pee.
Speaker 2: I paid recently that it's a trickle. But I think
Speaker 2: it's so important that example, because I'm not consenting to
Speaker 2: that back, like I did not choose that, but that
Speaker 2: is a habit that my body has picked up, and
Speaker 2: I think it it's a fantastic example of how these
Speaker 2: things just happen. I think a lot of people assume
Speaker 2: that habits are always good, and habits are always really
Speaker 2: constructive or could be destructive, like people are like, oh,
Speaker 2: I need to pick up the habit of like brushing
Speaker 2: my teeth every morning or whatever it is. But like
Speaker 2: sometimes being able to understand that little habits can be
Speaker 2: like little nuances about you. Yeah, we can do the
Speaker 2: same in our budget and the same in our money life. Right,
Speaker 2: So if we want to be changing this and we've
Speaker 2: become aware of these things, keep the cue, change the behavior,
Speaker 2: keep the rule ward. Yes, So we're just swapping one
Speaker 2: thing out so you don't have to change your whole life.
Speaker 2: We're just swapping I guess the middle part of that.
Speaker 2: So if the trigger is art's the end of the day,
Speaker 2: I really want to relax, Like, what's a behavior that's
Speaker 2: going to give you the same experience, like, because I
Speaker 2: don't want you to have a not good experience. That's
Speaker 2: not what we're about. I don't want this to be negative.
Speaker 2: But like maybe at six pm and you're a bit
Speaker 2: tired and you're like, oh, really, I'm going to order
Speaker 2: some Uber eats. What if we swapped it to you
Speaker 2: popping on your favorite podcast? Hi, it better be ass
Speaker 2: and you're gonna do some dinner prep. Yeah, Like, I
Speaker 2: don't want you to have to prep dinner and be like,
Speaker 2: oh my god, nurse, this is so boring. Like, okay, well,
Speaker 2: can we like listen to a podcast or put on
Speaker 2: a TV series while we're doing that, so you like
Speaker 2: get the reward while you do the thing.
Speaker 4: It is quite fun doing that when you put something
Speaker 4: stimulating on. Yes, then all of a sudden chopping a carrot,
Speaker 4: it's not too bad.
Speaker 2: It's kind of enjoyable. Yeah, it's like you're getting a
Speaker 2: reward while doing. Yeah, the thing you need to do,
Speaker 2: you get double reward. You get rewarding and the reward
Speaker 2: whenever I clean the house, I have a playlist I
Speaker 2: can share it with you. It's like old school bangers
Speaker 2: that you would sing in your car. Yeah, but like
Speaker 2: I have to put that playlist on and then I
Speaker 2: can power through like an hour of cleaning my house.
Speaker 2: But like it doesn't feel so bad when I match
Speaker 2: it with something that I enjoy. So that's what we're
Speaker 2: looking for, right, So we're not trying to ruin our
Speaker 2: own lives because I think so many people think, oh,
Speaker 2: watching is going to be so hard. We're like replacing
Speaker 2: a behavior or we're replacing something in our budget, but
Speaker 2: we're not restricting ourselves. Yeah, keeping the trigger, keeping the reward,
Speaker 2: changing the middle one. Because like if I said to you, Beck,
Speaker 2: like I'm at your house, let's pretend you've invited me
Speaker 2: over and you're like, oh, let's order some Uber eats,
Speaker 2: I would very easily agree to that. But what if
Speaker 2: I said, oh, let's pop on some music and we
Speaker 2: could like prep a cute pasta together. I think we're
Speaker 2: both down for that. Yeah, like that we can, but
Speaker 2: like we could do cute things on our own as well,
Speaker 2: Like instead of you ordering Uber eats on your own, Beck,
Speaker 2: could you pop on a podcast, hang out with some
Speaker 2: podcasting friends, and chop up your carrots. Yeah, it doesn't
Speaker 2: have to be massive in terms of change. It can
Speaker 2: be small, like if you're telling yourself, beck, do not
Speaker 2: order Uber eats. I need to break this habit.
Speaker 1: Girl.
Speaker 2: That's friction, that's deprivation. That's so true. That sucks, and
Speaker 2: then you lose your mind and you want a twenty
Speaker 2: years All I'm thinking about is Uber eats. Instead, you're
Speaker 2: going to tell yourself have something better prepared and ready
Speaker 2: to go in the fridge so that that doesn't feel
Speaker 2: like I'm being restricted, because like, oh, like right now,
Speaker 2: if I don't order Uber Eats, I have to have
Speaker 2: toast for dinner, and I want toast for dinner. We're
Speaker 2: going to put something nice in the fridge and start
Speaker 2: that loop of prepping our dinner and getting it ready.
Speaker 2: And it means that it's easy, but you still get
Speaker 2: the reward of having like a quick dinner, and you're
Speaker 2: still on the couch and you're still enjoying your time.
Speaker 2: But we need to make the new behavior more appealing
Speaker 2: than the old one. And I guess I'm harping on
Speaker 2: about Uber eats because financially, that is something that lots
Speaker 2: of people in our community are saying, like, oh, I
Speaker 2: relate to that, And if you don't relate to that.
Speaker 2: That's so fine. There's going to be something else, Like
Speaker 2: it's so funny. Someone message me the other day in
Speaker 2: the libitoraria. You always use uber eats as an example,
Speaker 2: but I'm rural, like I don't even have uber eats,
Speaker 2: and I was like, first things, first, i'manthis of you.
Speaker 2: But second, there's gonna be things that you're doing that
Speaker 2: you can go. Oh, that's a pretty simple example Victoria
Speaker 2: is using. But like I do X YORZ or like,
Speaker 2: you know, maybe you want to prep more fresh food,
Speaker 2: but you keep just chucking seam chicken nuggets in the
Speaker 2: oven yep relatable, Like, I don't think it's you have
Speaker 2: to relate to my Uber eats example. It's just an
Speaker 2: easy example. We are falling into a bit of a
Speaker 2: system and another thing you can do, and this works
Speaker 2: really well for me. Just side note as somebody with
Speaker 2: ADHD like really well and I call it habit stacking
Speaker 2: or everybody calls it habit stacking, but habit stacking is
Speaker 2: where you stack it with an existing habit. So for me,
Speaker 2: I'm not gonna lie. I did learn about this on
Speaker 2: TikTok and it works really well. But just say you're
Speaker 2: like working from home, and you know, the end of
Speaker 2: the day is like your trigger. So if I'm being
Speaker 2: open and honest, during COVID, the end of the day
Speaker 2: was my trigger to have a glass of wine. Yes,
Speaker 2: Like I would get to the end of the day
Speaker 2: and I would like see five pm and I'd look
Speaker 2: at my husband and be like, so is it one time?
Speaker 2: Like because that was my break, Like that was the
Speaker 2: thing that in my head was triggering going from work
Speaker 2: Victoria to home Victoria because we didn't have that like
Speaker 2: third period where we were driving or whatever. Also, there
Speaker 2: wasn't all that much to do during COVID. Let's be honest,
Speaker 2: I think lots of us can relate to that. But
Speaker 2: just say, after I close my laptop, I'm going to
Speaker 2: go straight to the kitchen and I'm actually going to
Speaker 2: play my favorite podcast and start meal prepping. Like you
Speaker 2: need to start actively going. I'm going to do this instead,
Speaker 2: but make it enjoyable. So it could be a podcast,
Speaker 2: it could be TV, it could be music, it could
Speaker 2: be literally anything. But we're going to stack one habit
Speaker 2: with another. But one of those things is something you
Speaker 2: really enjoy doing. So, like a couple of my girlfriends,
Speaker 2: I recently have been talking to them about podcasts that
Speaker 2: they like listening to. We're really into true crime and
Speaker 2: there's a few really good true crime series that you
Speaker 2: know if you follow me on my Instagram, like, you'll
Speaker 2: know what I'm listening to at the moment. But we
Speaker 2: tell ourselves that we can only listen to the good
Speaker 2: episodes like the new one if we're out on a walk.
Speaker 2: So I want to be more active. I need to
Speaker 2: get out more, but like I'm bored in two seconds.
Speaker 2: Back walking can be so boring. So I'm like, Okay, cool,
Speaker 2: new episodes out. I get to go on a walk soon.
Speaker 2: So you're stacking something that you really like doing with
Speaker 2: something that you want to do more of. Yeah, so
Speaker 2: maybe you're getting yourself a glass of wine to do
Speaker 2: your budget. Yeah, okay. We want to reward ourselves, right,
Speaker 2: And another way to be setting yourself up for success
Speaker 2: is genuinely changing the environment. If I open your phone back,
Speaker 2: where's the Uber eat sap?
Speaker 4: He's actually now on the second page. Allay, So you're learning,
Speaker 4: you're like trying to take it away.
Speaker 2: That's true. It doesn't work very well, but you know
Speaker 2: what small steps in the right direction because you're trying
Speaker 2: to change the environment. It's not the first thing that
Speaker 2: you see when you open your phone and can often
Speaker 2: just trigger a thought of like oh, Uber eats, Oh
Speaker 2: that's right, I'm going to X, Y and Z. Or
Speaker 2: if like you're prepping food gol, why is it in
Speaker 2: the back of your fridge. No one wants to go
Speaker 2: to the back of the fridge. You're going to see it.
Speaker 2: You're going to see a better option, and that's not
Speaker 2: opening the fridge. Like very true, make it cute. You've
Speaker 2: got to make a new habit easier to do than
Speaker 2: the old one, and sometimes that actually means adding a
Speaker 2: little bit of healthy friction to the bad habit. So
Speaker 2: like that's when I'm saying, sometimes the fourteen dollar meal
Speaker 2: from coals is actually going to save you money. Like
Speaker 2: I'm not saying that that is a budget efficient process,
Speaker 2: like I could whip up a whole meal for four
Speaker 2: people for ten bucks back. Like we're not talking about
Speaker 2: what is the cheapest option. We're talking about what is
Speaker 2: the middle ground that is going to lower the friction
Speaker 2: of you changing that habit and we can get to
Speaker 2: the ten dollar meals we can I did a whole
Speaker 2: episode on it. But what's the middle of going from
Speaker 2: ordering fifty dollars worth of Uber eats every single night
Speaker 2: for two people? Okay, well, maybe we're getting two fourteen
Speaker 2: dollar meals and keeping them in the freege and just
Speaker 2: having them when we don't feel like we want to cook. Yeah,
Speaker 2: let's have some easy options. I'm not saying that that
Speaker 2: is the most budget efficient way of living life. It
Speaker 2: is not, beck, but you've got to make these new
Speaker 2: habits easier because at the end of the day, we
Speaker 2: just need to create more friction for the bad habit.
Speaker 2: Do you know what would make it harder for you
Speaker 2: to order Uber eats word? Okay, so you're going to
Speaker 2: go on your Uber Eats app. I'm sorry, Uber Eats
Speaker 2: simp do that right now. I don't know if you
Speaker 2: want to do this. You're going to delete your credit
Speaker 2: card details?
Speaker 4: No, that's actually a good idea because then you're like, oh,
Speaker 4: I've got to go get them.
Speaker 3: Yeah.
Speaker 2: Do you know how many purchases I don't make online
Speaker 2: because they don't have Apple pay or they don't have
Speaker 2: my credit card details immediately? And then I'm like, ah,
Speaker 2: I can't actually be bothered getting up and going and
Speaker 2: getting my credit card and keying in the details. We're
Speaker 2: deleting our credit card details. It always snaps you out
Speaker 2: of it. Yeah something, and it's lame. And these are
Speaker 2: small things, but you have to now get up, go
Speaker 2: get your wallet, and manually put your credit card details
Speaker 2: in every single time you want to do it. Well,
Speaker 2: I just saved you a lot of money, didn't I. Yeah,
Speaker 2: that's such a good idea because you have to really
Speaker 2: think about it. If I'm going to get up and
Speaker 2: go get my wallet, I as we'll go make pasta. Yeah.
Speaker 4: Or if you change your log into two FA two
Speaker 4: factor authentication, like with the authenticator appe nobody in the
Speaker 4: history of the world.
Speaker 2: But that makes the new habit easier than the old
Speaker 2: one in a way. Yeah, So that's what we want
Speaker 2: to do. And like it sounds small, but we're creating
Speaker 2: barriers to make the old habit less appealing, so that
Speaker 2: your brain actually has to pause and go hold on,
Speaker 2: hold on. This loop isn't looping. What's my new loop? Oh,
Speaker 2: I'm going to go do that because if you're standing
Speaker 2: there hungry and suddenly you get up, you have to
Speaker 2: find your card dates. No, it's just not going to happen.
Speaker 2: You're more likely to think this is actually too hard, basket,
Speaker 2: and you're going to go to the free How do
Speaker 2: we do that? When it comes to finances, that could
Speaker 2: look like, you know, Beck, if you're really bad at
Speaker 2: dipping into your savings, which I mean all of us
Speaker 2: are at some point, do you actually need to? And
Speaker 2: sometimes there's a little bit of work involved in setting
Speaker 2: these new habits up. I'm not going to pretend, oh
Speaker 2: it's so easy. Yeah, right, it's so easy, Beck, But
Speaker 2: like maybe it means you, and I mean metaphorically, not physically,
Speaker 2: we're going to go and open a new bank account
Speaker 2: with a different company, so you might bank with NAB
Speaker 2: and you're really bad at dipping in because like when
Speaker 2: you log into yournab account, you can see all of
Speaker 2: your money or you're with ing whatever, you can see
Speaker 2: all of your money and what's accessible to you. Maybe
Speaker 2: we take your savings and put it with a different bank.
Speaker 2: Technically they're still just as accessible, but they're harder to
Speaker 2: get to because there's that mental barrier. But then also
Speaker 2: you're not logging into your daily spending accounts and having
Speaker 2: a look at how much cash do you have? Beck,
Speaker 2: you don't see your savings in that moment, because your
Speaker 2: savings shouldn't be an option. Like if we're ordering oubreits
Speaker 2: or we're checking our account to see, you know, how
Speaker 2: much have we got to spend at the grocery shop tonight,
Speaker 2: like I don't want you to then go, Or if
Speaker 2: I transferred an extra fifty bucks from my savings, we're
Speaker 2: not giving ourselves that option. And don't get me wrong,
Speaker 2: we're in twenty twenty five. If you needed to transfer
Speaker 2: money from your savings to a different bank, OSCO exists,
Speaker 2: it's going to happen instantaneously most times anyway, So we're
Speaker 2: not actually making our money out of reach. You're in
Speaker 2: an emergency, you still have your emergency fund. Maybe that
Speaker 2: just needs to sit out of sight, out of mind,
Speaker 2: and that can be quite constructive. It's like, and I
Speaker 2: know that there's another barrier to entry here for you personally,
Speaker 2: but you shared that you have now more than five
Speaker 2: hundred dollars in your investing account, which is so cool,
Speaker 2: But like that barrier to entry is it's on a
Speaker 2: different platform. Yeah, you're like, oh no, I can't touch that. Yeah,
Speaker 2: so can we create that again? When it comes to
Speaker 2: money I think we can. That is a really good
Speaker 2: point for you. We need to and you know what,
Speaker 2: I know we need systems because I need systems. Yeah,
Speaker 2: I need systems. I need my money to not be
Speaker 2: as accessible because I do get a little bit tap happy,
Speaker 2: a little bit spendy. But I know that about myself,
Speaker 2: and I'm fine to talk about that. But what am
Speaker 2: I putting in place so that when I'm in that
Speaker 2: mood of being, like I do really want to go shopping,
Speaker 2: I'm not able to do that as easily. So like
Speaker 2: my savings do sit with a different bank, and that
Speaker 2: bank account I don't have a debit card, so it's
Speaker 2: like a savings account. Yes, I can technically go in
Speaker 2: there and transfer money out and back to my other bank,
Speaker 2: but I'd have to log into a different banking app.
Speaker 2: And like if it's out of sight for me, often
Speaker 2: it's out of mind totally. Like having to log into
Speaker 2: something else is like a little reminder that maybe I
Speaker 2: shouldn't be doing this.
Speaker 4: A side note, I did actually do that the other day.
Speaker 4: Now I have three bank accounts. I don't know if
Speaker 4: that's too excessive, but one of them I'm not allowed
Speaker 4: to see.
Speaker 2: I have so many bank accounts. You can have as
Speaker 2: many as you want. Lots of people in our community
Speaker 2: have up bank, like they really like Upmang and they
Speaker 2: have like lots of different savers and whatnot. And I
Speaker 2: think that's great. You think Jessica Rifke's banking system she has, like,
Speaker 2: I think it's like fourteen different savers. Oh my god,
Speaker 2: that's so good. But like you can cut it and
Speaker 2: slice it and dice it however where it works for you.
Speaker 2: But I want it to work for you. That is
Speaker 2: so tru y. Okay, So hypothetically.
Speaker 4: We've kind of like we're on this new path that
Speaker 4: is leading us to better places.
Speaker 2: But if like I do fumble stumble, I'm a fumbler.
Speaker 2: I'm a stumbler, and I do get uber eyes.
Speaker 4: Yeah slay, Well, I just will like in my brain,
Speaker 4: will that kind of like reaffirm the habit that.
Speaker 2: Exists or well, it does reaffirm that habit, and it
Speaker 2: does sometimes set up a really negative self talk, like
Speaker 2: you might go, see, I am really bad at money.
Speaker 2: See I'm not good at this right? Yeah cool, you've
Speaker 2: just fallen into a more comfortable behavior. I can't judge
Speaker 2: you for that. You shouldn't judge you for that. Something
Speaker 2: that helps me significantly is visuals. I'm a visual learner.
Speaker 2: Like I love a picture, I love a graph, I
Speaker 2: love a flow chart. I love when people draw things
Speaker 2: on whiteboards. I like, oh, that makes so much more sense.
Speaker 2: Now you draw a bubble around it. Let's make it visual.
Speaker 2: So if your habit isn't visual, it's often very hard
Speaker 2: to forget. You want to be able to see your
Speaker 2: progress so that your brain registers that something good is happening.
Speaker 2: You can use you know, tracking apps and spending apps.
Speaker 2: But like go on my website beck there are free
Speaker 2: savings trackers. You can print them out. They are so
Speaker 2: asthetic because our graphic designer did a slagh job of
Speaker 2: setting them up. But you can print out a tracker
Speaker 2: and pop it on your fridge and color in a
Speaker 2: bubble every time you meet a savings goal. You could
Speaker 2: have a habit tracker where every time you literally don't
Speaker 2: get ubrets, you give yourself a gold star. I love
Speaker 2: a gold star. Yeah, gorgeous. I love the idea that
Speaker 2: I can track things, post it notes on your mirrors,
Speaker 2: a note on your fridge with your actual savings goal
Speaker 2: or your spending limits, Like maybe there's a paper calendar
Speaker 2: that you can tick things off or draw things on.
Speaker 2: I think when it comes to habits, what triggers your dopamine? Sure,
Speaker 2: make use of that. Make if I use dopamine as
Speaker 2: your best friend? Okay, okay, but how do we do that?
Speaker 2: We want those dopamine hits, but I want it to
Speaker 2: be associated with your money and good habits and creating
Speaker 2: habits that make sense to you. But beckwi humans you
Speaker 2: said before, like, oh, like if I order your breathes, like,
Speaker 2: am I a bad person? Absolutely? Not like a You're
Speaker 2: not a robot? Ew No, thank you. You're not going
Speaker 2: to get it right every single day. Like there are
Speaker 2: going to be times that you fall off the bandwagon,
Speaker 2: and you know what, that's fine? Do you know what
Speaker 2: that does? It reminds us do we still want to
Speaker 2: be doing this? You'd be like, yes, I do. I'm
Speaker 2: just going to get back on the horse. It doesn't matter.
Speaker 2: Your money does not define you as a human being.
Speaker 2: Have you ever looked at somebody and mean, like, she's
Speaker 2: so good at budgeting. I want to be her friend?
Speaker 2: Unfortunately not except for you. No, but hopefully you don't
Speaker 2: want to be my friend. Because I'm good at money.
Speaker 2: That's so key, weird, beg. I've never looked at someone
Speaker 2: and been like, oh, she's rich, I want to be
Speaker 2: a friend. And if you are looking at people and
Speaker 2: want to be their friends because they're wealthy, weird, so weird.
Speaker 2: Maybe like missing one or two days of your habits
Speaker 2: it doesn't matter, like, yeah, might impact your progress. Cool,
Speaker 2: we can push timeframes out, that doesn't matter. Just be
Speaker 2: kind to yourself. If you can't be kind to yourself,
Speaker 2: how are you expecting other people to be kind to
Speaker 2: you right? How you're going to stick to anything? If
Speaker 2: your internal monologue is I think just showing up is
Speaker 2: the most important part. And if you don't feel like
Speaker 2: you showed up today, that is absolutely fine. You can
Speaker 2: show up tomorrow. That is so fine. It's what creates change,
Speaker 2: It's what's going to create good habits. And I think
Speaker 2: so many times we tell ourselves I'm so bad at money,
Speaker 2: or I'm not good at this, or I'm never going
Speaker 2: to be good at that. Beck money is genuinely not hard.
Speaker 2: It's hard because we've never done it. Yeah, anything is
Speaker 2: hard when you've never done it. That is a really
Speaker 2: good reminder. Definitely something that I think we all probably
Speaker 2: hear literally, and you're literally one of the most creative
Speaker 2: people I know. Thank you. How did you know how
Speaker 2: to do like clay arts? How do you know how
Speaker 2: to fire things? Research? Right? Yes, that's very true. But
Speaker 2: like if you can teach yourself six million new habits
Speaker 2: like that or little crafts or little hobbies, I promise
Speaker 2: you can learn about money. Money is not that hard.
Speaker 2: Oh my god, that is so true, Like I promise. Wow,
Speaker 2: what a spiritual awakening this has been. Anyway, I think
Speaker 2: just starting small, making it obvious, giving yourself a little reward,
Speaker 2: and just keep going. You're not failing. You're actually learning.
Speaker 2: Like when we're not working something out and you're saying,
Speaker 2: oh I did that wrong. You didn't used to see
Speaker 2: that is wrong? Yeah, like you're learning, you're creating your
Speaker 2: own boundaries, and we love to see it. Every time
Speaker 2: you show up, even in a tiny way, you're actually
Speaker 2: just reinforcing a habit that future you is going to
Speaker 2: love you for. We love to see that. We love
Speaker 2: to see that exactly. Yeah. I really needed this talk today,
Speaker 2: So thanks. Sorry, Sorry, I didn't mean to make you
Speaker 2: feel like ACKed by me going change your habits change
Speaker 2: your life. You know, I personally really needed this.
Speaker 4: So if you've got a friend who keeps saying I'm
Speaker 4: just bad with money, make sure he shares.
Speaker 2: Remember you're just not prioritizing her.
Speaker 4: And also, how do you know if you haven't been taught,
Speaker 4: don't forget to subscribe so you never miss an episode.
Speaker 4: Because we've got so much more money mindset goodness coming
Speaker 4: your way.
Speaker 2: And we're like really smart, and we're really smart yeah,
Speaker 2: and like really hot yeah, and also yes, very hot.
Speaker 2: Don't give version. We have faces for audio. Yeah, just
Speaker 2: trust us. We're really hot. Yeah, trust us. Anyway, have
Speaker 2: a good week, guys. By guys, did buy Shared or?
Speaker 2: She's on the Money is general in nature and does
Speaker 2: not consider your individual circumstances. She's on the Money exists
Speaker 2: purely for educational purposes and should not be relied upon
Speaker 2: to make an investment or financial decision. If you do
Speaker 2: choose to buy a financial product, read the PDS TMD
Speaker 2: and obtain appropriate financial advice tailored towards your needs. Victoria
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