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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: for Millennials who Want Financial Freedom. Twenty twenty one wasn't

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Speaker 3: quite the relief we all expected. It's been another long

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Speaker 3: and difficult year, and while there are probably some moments

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Speaker 3: we'd rather forget, in today's episode, we want to take

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Speaker 3: a look back at what we've all achieved and learned.

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Speaker 3: Plus we want to talk about goal setting as we

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Speaker 3: move into twenty twenty two. Hey, yeah, my name is

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Speaker 3: Georgia King, and joining me for our very first deep

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Speaker 3: dive of twenty twenty two is Victoria fine Fee.

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Speaker 1: Hello Georgia King.

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Speaker 3: Well, good to see you looking very fresh in early go.

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Speaker 1: Thank you. It's the active weear, isn't it. It's definitely

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Speaker 1: the active where That is the one thing I am

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Speaker 1: taking into twenty twenty two, and that is my love

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Speaker 1: for wearing activewear to every Okay.

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Speaker 4: The active words coming, I love it.

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Speaker 3: Tell me about your twenty twenty one It did have

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Speaker 3: like garbage fire energy carried over from twenty twenty.

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Speaker 4: Please be honest.

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Speaker 1: We thought we were done in twenty twenty with the

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Speaker 1: hear of the garbage fire. Yet here we are talking

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Speaker 1: about twenty twenty one in the same vein, but in

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Speaker 1: saying that we always like to see the positive in everything,

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Speaker 1: and twenty twenty one was a gorgeous year. I mean,

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Speaker 1: I wrote a book, Let's just be a little bit

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Speaker 1: self promotional for what second? That was pretty cool, and

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Speaker 1: the She's on the money community literally doubled, Like can

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Speaker 1: you believe that? That's why we started twenty twenty one

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Speaker 1: with half the amount of community members that we have today,

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Speaker 1: and that that type of growth, Guys, that's big, like

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Speaker 1: fifty percent return, Like we like those numbers, We really

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Speaker 1: like those numbers. But honestly, I could not be more

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Speaker 1: grateful for the community. And then obviously, to talk about

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Speaker 1: my personal life for a hot second, gee I got engaged,

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Speaker 1: she got.

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Speaker 4: Planning her wedding.

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Speaker 1: Oh my gosh, I'm planning a wedding. So I have

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Speaker 1: lots of things that I need to set goals for

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Speaker 1: and budgets for in twenty twenty two, because, to be honest,

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Speaker 1: setting budgets it's feeling a little bit overwhelming. Because George

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Speaker 1: in very very exciting news. We've booked in a wedding.

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Speaker 4: It's going to happen this Yeah, it's going to happen

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Speaker 4: in twenty twenty two.

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Speaker 1: And I'm literally so excited. And I've never felt more

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Speaker 1: sick because I'm starting to get quotes back for how

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Speaker 1: much wedding stuff costs. And I'm telling you right now,

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Speaker 1: this ame it. This ain't it?

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Speaker 3: Girl, girl girl, But it's so exciting. You've had a mass.

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Speaker 1: Honestly, it's so excited. I feel like I have had

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Speaker 1: a massive year, and getting engaged was honestly the I

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Speaker 1: on the cake that I feel like we really needed.

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Speaker 1: Like we had had a flat year, Like you know,

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Speaker 1: there was so many things that we didn't get to celebrate,

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Speaker 1: Like we didn't get to celebrate the book launch, and

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Speaker 1: you know, obviously online we definitely shouted about it and

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Speaker 1: got to celebrate it, but it's just not the same

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Speaker 1: as being able to talk to people in person. So

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Speaker 1: I just feel like twenty twenty two for us and

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Speaker 1: for Shees On the Money is going to be a

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Speaker 1: very in person year. Like I want to do so

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Speaker 1: many events. I want to do live podcasts. I just

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Speaker 1: want to get out there. I want to meet our community.

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Speaker 1: I want to hug them. I don't care. I'm not COVID.

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Speaker 1: I want to share stories and just you know, know

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Speaker 1: more about you guys. So it'll be a very special year.

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Speaker 1: I am hoping. Yay.

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Speaker 4: Oh that's exciting.

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Speaker 1: But gre last year it was a bit of a

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Speaker 1: dumpster fire. I get it. We thought that twenty twenty

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Speaker 1: was a dumpster fire year. It was not. It was

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Speaker 1: also twenty twenty one. But you were saying before, you

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Speaker 1: were like, oh it was pretty flat year. Girl. No,

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Speaker 1: you graduate, you have another degree under your belt. Who

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Speaker 1: is she?

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Speaker 4: Two degrees?

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Speaker 1: Yeah?

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Speaker 3: I guess that's exciting, isn't it the old master being done?

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Speaker 1: And that's exciting. That's literally an achievement that is worthy

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Speaker 1: of celebration, Like that is so cool, Like you're a master?

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Speaker 4: Who is she?

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Speaker 3: A master of a dying industry that I'll never be

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Speaker 3: employed in? But that's okay, we push on and we sorry.

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Speaker 1: What was that industry?

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Speaker 4: Journalism?

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Speaker 1: Technically is this journalism? Let's call it.

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Speaker 3: Small like creative writing present, but you know it's in

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Speaker 3: the media, so it counts. All right, let's go with that.

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Speaker 3: We'll stay positive, all right, Right.

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Speaker 4: That counts.

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Speaker 3: That counts. She counts, No, it has. It has been

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Speaker 3: a really another quite difficult year, I guess but we made.

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Speaker 4: It to the end. We're at a fresh year.

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Speaker 3: I'm feeling quite rejuvenated, which I love after a big

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Speaker 3: festive period. But the I wanted to ask you about

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Speaker 3: the importance of looking back on the year that was,

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Speaker 3: if it even is important, because you know, it can

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Speaker 3: be quite intimidating to look back at the last year,

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Speaker 3: in the last two years and think, gee, what have

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Speaker 3: I actually learned? But would you say it still is

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Speaker 3: quite important to do that to help inform what we'll

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Speaker 3: be doing moving forward.

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Speaker 1: Of course, if we don't know where we've been and

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Speaker 1: we don't honor the journey that we've been on, how

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Speaker 1: are we going to see the value in the journeys

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Speaker 1: that we're going on in the future. That sounds really fluffy,

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Speaker 1: and I don't mean it to be, but to be

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Speaker 1: really genuine, like you can't have the sunshine without a

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Speaker 1: little rain, Like you actually have to have gone through

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Speaker 1: some levels of negativity or some level of hardship to

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Speaker 1: really appreciate what we have in the hearing now. And

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Speaker 1: I know that that sounds super cliche, but in a way,

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Speaker 1: I'm grateful that as a community we've gone through such

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Speaker 1: hardship and I know that coming out the other side

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Speaker 1: is going to look very different to very different people.

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Speaker 1: But to have gone through everything that we've gone through

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Speaker 1: to now coming out in twenty twenty two and hopefully

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Speaker 1: we're not going to go into any other lockdowns, and

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Speaker 1: you know, we're being promised that, but who knows. Anything

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Speaker 1: could happen. But it's just it's very cool to think

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Speaker 1: that we've gone through so many things, we've survived, and

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Speaker 1: we get to go above and beyond for the next

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Speaker 1: year and really honor the journey that we've been on

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Speaker 1: and go, you know what we missed out, but what

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Speaker 1: are we going to do this year? And some of

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Speaker 1: us are going to be like, oh my gosh, yes,

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Speaker 1: Victoria twenty twenty one was so challenging, but I've never

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Speaker 1: saved more in my life. Or some people are going

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Speaker 1: to turn around and be like, look, VI, it was

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Speaker 1: so hard. I literally struggled financially. I'm still looking for

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Speaker 1: a job. But oh my gosh, how lucky am I

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Speaker 1: to still be around and have a good community and

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Speaker 1: be surrounded by friends and family. I just feel like

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Speaker 1: there's lots of different stories that are going to continue

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Speaker 1: to come out over the next twelve months. And lots

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Speaker 1: of flourishing stories from twenty twenty two, seeing people go

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Speaker 1: from strength to strength, and I just think that we

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Speaker 1: really do need to learn from the year that was

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Speaker 1: so we can have the best year yet totally. I

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Speaker 1: think it also really makes you appreciate the smaller things.

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Speaker 1: And the other thing I wanted to add was just

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Speaker 1: how special it is that we've.

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Speaker 4: All kind of gone through this.

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Speaker 3: Hideous time really all together, Like, as She's on the

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Speaker 3: Money community, we've all been through such a big, weird time,

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Speaker 3: and you know, I feel like She's on the Money

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Speaker 3: has been such a big part of this time in

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Speaker 3: my life, for sure.

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Speaker 1: I hope so, Like you're literally the co host of

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Speaker 1: the shows, so that would make sense. But I agree,

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Speaker 1: like having experienced it online and through the Facebook group

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Speaker 1: and through our Instagram dms. Knowing that we have been

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Speaker 1: part of your journey, even just like a small part,

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Speaker 1: even if we're just on in the car on the

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Speaker 1: way to work and we get to hang out with you, like,

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Speaker 1: that's just to us so special to think that you

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Speaker 1: guys choose to have us in your ears, and us

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Speaker 1: in your cars, and us in your bathrooms and us

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Speaker 1: everywhere that you are listening to us. It's just it's

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Speaker 1: very cool because obviously there are lots of podcasts out there,

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Speaker 1: there is lots of content being produce, and we're not

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Speaker 1: the only content out It's just very cool that you

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Speaker 1: choose us, and we're very grateful for it. So hopefully

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Speaker 1: we can give you another solid year of content that

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Speaker 1: you absolutely adore and devour.

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Speaker 3: Well said, V, No, you're right, it is such a privilege.

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Speaker 3: We did talk about this on Friday's episode and we

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Speaker 3: touched on it a little bit just before. But what's

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Speaker 3: in store for She's on the Money this year? V.

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Speaker 3: We're still sticking to three episodes a week. What's in

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Speaker 3: Star sucked in Georgia.

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Speaker 1: King and it still will be doing three episodes a week, which,

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Speaker 1: to be honest, as a team, we absolutely adore. We

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Speaker 1: have our Monday Money diaries, we have our Deep Dive,

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Speaker 1: which is this episode with our best friend Georgia King,

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Speaker 1: and then we get to wrap the week with jessic

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Speaker 1: Ricci on a Friday, and it is just I really

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Speaker 1: like that vibe, and I really like that we get

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Speaker 1: to see you multiple times a week now instead of

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Speaker 1: just every Wednesday. But so that'll continue. No changes there

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Speaker 1: we'll have live events, which is going to be really fun.

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Speaker 1: I'm trying to coordinate a few at the moment. If

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Speaker 1: you live to our episode on Friday, you would know

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Speaker 1: that I am currently in the works of planning an

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Speaker 1: International Women's Day event.

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Speaker 4: La la.

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Speaker 1: Yeah. But it's one of those things where it's like, Okay,

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Speaker 1: it's International Women's Day, but how do we make that

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Speaker 1: super diverse and how do we make sure that we

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Speaker 1: celebrate the She's on the Money community in that because

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Speaker 1: she's on the money is not about women. And I

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Speaker 1: know that a lot of people are going to be like, wait, what, Victoria,

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Speaker 1: It's actually about just financial literacy and the sheet and

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Speaker 1: she's on the money. That is me. I am the

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Speaker 1: sheet and she's on the money because I am incredibly

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Speaker 1: self centered. But we embrace everybody in every person in

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Speaker 1: our community, and I just want to make sure that

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Speaker 1: an International Women's Day event that we pull together is

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Speaker 1: not just celebrating women. Obviously, there is a lot to

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Speaker 1: do when it comes to the gender pay gap, and

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Speaker 1: there is a lot to do when it comes to women,

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Speaker 1: but there are so many more minority groups that need

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Speaker 1: recognition that I'm hoping over the next twelve months, we

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Speaker 1: can really celebrate those days as well, so it won't

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Speaker 1: eat just that. G. Also spoiler which if you listen

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Speaker 1: to the Friday episode is not a spoiler. There's a

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Speaker 1: new book coming, which, Oh my gosh, there will be

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Speaker 1: a new book coming, and I'm genuinely so excited. And

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Speaker 1: We're obviously going to keep up three episodes and the

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Speaker 1: other podcast are going to continue on as well, So

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Speaker 1: the Business Bible and the Property Playbook are going nowhere.

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Speaker 1: But the other exciting thing G is and you might

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Speaker 1: not have noticed this because you're only here recording, but

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Speaker 1: for everybody listening, you would have heard the pre roll

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Speaker 1: ad and you'll also hear the mid role ad, and

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Speaker 1: that is something that we are genuinely so grateful to have,

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Speaker 1: Like imagine people sponsoring our show, Like genuinely, I'm so

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Speaker 1: grateful for it. But for those og she's on the

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Speaker 1: money listeners, you would have picked up it was shot back,

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Speaker 1: do you know, g This is now the third year

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Speaker 1: that we have had our friends from Shopback celebrate with

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Speaker 1: us the first episode of.

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Speaker 4: The year, Get from the teen.

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Speaker 1: My gosh, Emily, if you're listening, I adore you. Emily

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Speaker 1: is my contact at Shopback and she is delightful. But

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Speaker 1: oh my gosh, you guys have not only embraced Shopback

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Speaker 1: but allowed them to absolutely flourish. And I could not

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Speaker 1: be more proud of that partnership and the fact that

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Speaker 1: one we've kept her for three years, Like there are

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Speaker 1: relationships I haven't even managed to keep alive for three years,

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Speaker 1: like Hella to partnership, like girl, what but the fact

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Speaker 1: that they have been in our community for that long?

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Speaker 1: But also gee, the fact that we've been doing podcasts

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Speaker 1: for that long?

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Speaker 4: But what, It's bizarre, girl, this podcast.

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Speaker 1: Has existed since twenty nineteen.

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Speaker 3: Like what how old were you in twenty nineteen? Can't

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Speaker 3: remember twenty fifth? My remember?

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Speaker 4: Okay?

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Speaker 1: I think I was twenty six when I started the

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Speaker 1: Facebook group, twenty seven when I started the podcast, and

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Speaker 1: then I got old and now I'm in my thirties

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Speaker 1: and I'm old and wise and that's very helpful.

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Speaker 3: You need to stop achieving so much, my friend, Yeah,

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Speaker 3: age beach impressive.

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Speaker 4: Let's move on.

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Speaker 3: I'm so excited this so like it's gonna be a

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Speaker 3: good year.

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Speaker 4: I've got it. I've got a good feeling.

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Speaker 1: I've got a good feeling as I want to tempt fate.

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Speaker 1: But you know, no, don't do that. Remember the time

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Speaker 1: you called twenty twenty a dumpster fire, and then twenty

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Speaker 1: twenty one was like, haha, saw that raise you a million?

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Speaker 4: Exactly? I'm gonna pour guess all over that dumpster.

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Speaker 3: Let's true, though, Let's let's talk a little bit about

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Speaker 3: twenty twenty two. Let's leave twenty twenty one behind and

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Speaker 3: chat a little bit about our goals now.

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Speaker 4: We will be.

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Speaker 3: Talking later in the show about the best ways of

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Speaker 3: setting your own goals and tools to kind of keeping

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Speaker 3: you accountable. But I want to know what your big

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Speaker 3: goals are.

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Speaker 1: Do we have to do mine first? Can't we do

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Speaker 1: yours first? I mean we can, Oh, I just I

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Speaker 1: don't like going first when it comes to goal setting.

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Speaker 4: Yeah, but you're a big dog.

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Speaker 1: Yeah I know, I know, all right? So this year,

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Speaker 1: what am I going?

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Speaker 2: All right?

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Speaker 1: So first things first, I have made the goal that

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Speaker 1: I want to embrace happiness more. I'm obviously quite a

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Speaker 1: happy person to begin with, but I just feel like

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Speaker 1: I don't appreciate it, Like I want to have a

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Speaker 1: better level of gratitude than I already do, and I

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Speaker 1: feel like I'm one of those people like George, you

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Speaker 1: know me very well personally, I would say by now,

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Speaker 1: and I'm always like, I'm so grateful for X, Y

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Speaker 1: and Z. But I just really want to embrace happiness

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Speaker 1: and gratitude a little bit more than I already am,

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Speaker 1: because I just know how that impacts me personally when

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Speaker 1: I am embracing that. Yeah, And I mean that's not

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Speaker 1: really a measurable thing, it's just something you want to

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Speaker 1: be more conscious of. The second thing I am doing

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Speaker 1: when it comes to I guess big goals. We won't

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Speaker 1: talk about my fluffy stuff, but I am currently doing

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Speaker 1: two really big things, and I feel kind of guilty

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Speaker 1: if I'm being honest talking about these, because it's not

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Speaker 1: often that people get to achieve these things in the

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Speaker 1: same year. I do want to preface this with I

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Speaker 1: have been saving for a very long time for this,

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Speaker 1: and as you guys know, in twenty twenty, Steve and

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Speaker 1: I purchased our very first home, which was so exciting,

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Speaker 1: but we haven't been able to afford to renovate it yet.

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Speaker 1: So hopefully over the next few months we'll be in

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Speaker 1: a position where we can finally get a new kitchen

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Speaker 1: because we have George, as you know, an incredibly dysfunctional

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Speaker 1: current kitchen that honestly should have got the boot a

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Speaker 1: very long time ago. So hopefully we can go through

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Speaker 1: that process and in the same year getting married, which

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Speaker 1: was a very big undertaking. But as I've said, we

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Speaker 1: have been saving for a while for both of those things,

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Speaker 1: and finally they're coming up. But the thing that makes

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Speaker 1: me feel a little bit guilty is seeing how much

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Speaker 1: money is going to go out of our accounts this year.

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Speaker 1: It honestly gives me anxiety, Like, I know we've saved

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Speaker 1: for it, I know that was the plan. I'm like, oh,

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Speaker 1: I know, what was the plan, But do we really

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Speaker 1: want to do that? Because now it's there, is there

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Speaker 1: not something better we could spend it on. It just

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Speaker 1: gives me a lot of anxiety. But that is okay,

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Speaker 1: and it's important to talk through. But the kitchen is

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Speaker 1: a very big goal, and also the wedding is a

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Speaker 1: massive goal. So it will be Yeah, it'll be interesting.

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Speaker 1: And as I said at the start of this episode,

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Speaker 1: I'm very surprised at how much things cost for weddings,

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Speaker 1: and over the last month or so that Steve and

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Speaker 1: I have been planning this wedding. It definitely has been

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Speaker 1: a journey of values and really understanding what his values

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Speaker 1: are versus mine and what he's prioritizing and what I'm prioritizing.

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Speaker 1: And you know, I didn't know how much dresses were,

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Speaker 1: and so going through that process of me going, do

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Speaker 1: you know what, I think I'm going to purchase a

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Speaker 1: secondhand dress because I just don't like for me, that's

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Speaker 1: not my value. I just don't want to spend money

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Speaker 1: on something in that realm. And I'm not saying that that's,

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Speaker 1: you know, the right thing to do, but for me,

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Speaker 1: that's where I'm prioritizing our funds. And I think that

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Speaker 1: you know, over time, I'm hoping to share more of

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Speaker 1: that with you guys, But you know, it is actually

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Speaker 1: quite a stressful process, and so having goals written down,

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Speaker 1: it'll be really cool to be able to achieve those

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Speaker 1: two things. But I don't want you to think that

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Speaker 1: those two things were only thought about in twenty twenty two.

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Speaker 1: We've been saving for this kitchen since twenty twenty.

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Speaker 3: Yeah, she's not just filthy rich no.

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Speaker 1: Like I mean, guys, I would like that, but maybe

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Speaker 1: one day, maybe one day, George, what are your big goals.

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Speaker 1: What are you going to achieve in the next twelve months?

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Speaker 3: Okay, so first I'll start out a little bit cushy,

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Speaker 3: little bit mushy as you do. So, I feel like

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Speaker 3: my one of my main personal goals is to continue

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Speaker 3: to be really kind to myself. I feel like over

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Speaker 3: the last two years it's been a real battle of

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Speaker 3: like that little negative voice in my head kind of

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Speaker 3: putting me down all the time and being like, you're

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Speaker 3: not where you should be, and then this other voice

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Speaker 3: is like, cis relax, it's a pandemic. You're doing a

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Speaker 3: great jobs existing, you know. So I feel like that's

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Speaker 3: one of the big ones.

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Speaker 1: Yeah, Like I feel like there's so much pressure on

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Speaker 1: us to not just exist well, but to somehow perform.

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Speaker 1: Like that's not what life's about. Life should be about

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Speaker 1: love and sharing it and you know, being surrounded by

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Speaker 1: beautiful people, not beautiful things. And I guess I'm just

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Speaker 1: a little bit fluffy when it comes to things like that.

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Speaker 1: But if I have learned anything over the last twelve months,

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Speaker 1: it's definitely money provides a level of financial freedom, but

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Speaker 1: it is not the be all end all, especially when

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Speaker 1: we were all in isolation and couldn't see our friends

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Speaker 1: and family, Like, let's get our priorities right. But you

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Speaker 1: are absolutely correct, George. I feel like, as an outsider

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Speaker 1: and also a friend, you have put a lot of

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Speaker 1: pressure on yourself over the last twelve months, and I'm

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Speaker 1: glad that you are realizing that and planning to change it. Yeah.

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Speaker 3: Yeah, so well I'll keep on working on that. And

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Speaker 3: then from a financial perspective, I am going to start

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Speaker 3: having conversations. So what this means does.

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Speaker 1: That mean a lot of conversation? So those ones not

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Speaker 1: good in it?

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Speaker 3: So I want to start investing, So that means going

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Speaker 3: to a financial advisor and having I know, a girl,

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Speaker 3: but like, yeah, sitting down with you and start like

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Speaker 3: creating a plan and figuring out what I'm going to

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Speaker 3: do and what I'm comfortable with and getting that sorted.

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Speaker 3: Obviously having access to you is an immense privilege, but

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Speaker 3: that is that's one of my goals. And then also

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Speaker 3: speaking to like a broker or again someone like Amy

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Speaker 3: and chatting about next steps in terms of entering the

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Speaker 3: property market at some stage this year just kind of

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Speaker 3: it'll be cool to.

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Speaker 1: Start understanding what the expectation exactly and understanding what that means,

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Speaker 1: and I know that one of the things that has

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Speaker 1: been really powerful for our community, and that we're actually

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Speaker 1: relaunching this year, which is so exciting. Gee, is the

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Speaker 1: hour of power that's coming bad Duke. Yes, I'm not

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Speaker 1: running it though full disclosure is not me, but isn't

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Speaker 1: just Acci No, it's not just a Grecchi. It is

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Speaker 1: actually my friend Kate from Inspire, and she has spent

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Speaker 1: a very long time with me training up in how

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Speaker 1: I did it and what's going on. So Kate and

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Speaker 1: Nikki are going to run though, So they're joining that

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Speaker 1: She's on the Money team in twenty twenty two, which

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Speaker 1: I'm genuinely so excited about. But the reason I'm excited

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Speaker 1: about that is because so many times I have spoken

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Speaker 1: to people in the She's on the Money community and

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Speaker 1: they're like, Oh, I really want to buy property, but

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Speaker 1: I'm like five years away, and you're like, Oh, I

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Speaker 1: really want you to talk to a broker, But a

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Speaker 1: broker isn't going to want to talk to you because

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Speaker 1: you're so far away, and they're not going to give

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Speaker 1: you the time or the energy to go, Oh, I'll

404
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Speaker 1: sit with you g for an hour and make a

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Speaker 1: plan because they're like, I'm not going to make any

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Speaker 1: money from this. So we've relaunched the Hour of Power

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Speaker 1: so you can sit down with a mortgage broker and

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Speaker 1: talk about buying your first property, or get a savings

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Speaker 1: plan in place so that you can achieve that and

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Speaker 1: really understand what your options are. Or if you want

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Speaker 1: a refinance, you can book a refinance Hour of Power,

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Speaker 1: or if you're in debt, you can book a get

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Speaker 1: out of Debt Hour of Power and sit down with

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Speaker 1: someone and go all right, this is what this looks like.

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Speaker 1: This is how I get out of debt and get

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Speaker 1: all the tips and tricks that you need personally to

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Speaker 1: get out of that situation. So I'm just so excited

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Speaker 1: for that. But do you know what, George, you can

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Speaker 1: be a guinea pig. You're going to get set up

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Speaker 1: with Kate. You're going to do an Hour of Power

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Speaker 1: and then you know what, we're going to talk about

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Speaker 1: what you got out of that on the pod.

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Speaker 3: Yes, I'll report back to the team, let you know

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Speaker 3: how it goes.

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Speaker 1: Yeah, you're going to be the guinea pig and everybody's

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Speaker 1: going to know how it went. So, Kate, I hope

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Speaker 1: you perform well, it's going to be like the mystery shopper,

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Speaker 1: but like everyone knows who you are.

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Speaker 3: Yeah, exactly, Okay, enough about us, be I feel like

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Speaker 3: we have gone on about ourselves. Hopefully people are interested.

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Speaker 3: If you're not, so sorry you're not. I hope you

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Speaker 3: learned that you can actually skip in thirty second increments

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Speaker 3: on your Apple apps, so you don't feel like you

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Speaker 3: actually had to listen to us. That's on nebabe. But

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Speaker 3: we wanted to share some inspiration from the community, as

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Speaker 3: you guys had so many incredible goals last year which

437
00:21:07,800 --> 00:21:11,480
Speaker 3: you absolutely smashed, and we also thought maybe for anyone

438
00:21:11,680 --> 00:21:14,080
Speaker 3: setting some goals as they move into the new year,

439
00:21:14,400 --> 00:21:16,240
Speaker 3: that this could be kind of a good a good

440
00:21:16,280 --> 00:21:19,400
Speaker 3: way of stealing some goals. This is inspire if you're

441
00:21:19,440 --> 00:21:22,199
Speaker 3: a bit stumped for what to set yourself. These are

442
00:21:22,240 --> 00:21:23,040
Speaker 3: some really good idea.

443
00:21:23,160 --> 00:21:26,000
Speaker 1: Literally the worst having to sit down someone's like, oh

444
00:21:26,000 --> 00:21:28,840
Speaker 1: my gosh, write a goal list. And I'm a very

445
00:21:28,880 --> 00:21:32,120
Speaker 1: big advocate of not just writing a goals list because

446
00:21:32,119 --> 00:21:33,200
Speaker 1: it's the new year, like.

447
00:21:33,119 --> 00:21:34,040
Speaker 4: It's a great time.

448
00:21:34,240 --> 00:21:36,600
Speaker 1: It feels like a fresh page, like it is a

449
00:21:36,640 --> 00:21:39,240
Speaker 1: good time to set goals. But you shouldn't be limited.

450
00:21:39,240 --> 00:21:41,080
Speaker 1: You shouldn't have to wait till next year to set

451
00:21:41,119 --> 00:21:43,359
Speaker 1: a goal. If you think of one in February, in March,

452
00:21:43,680 --> 00:21:46,720
Speaker 1: in November, chuck it on the list, start working towards

453
00:21:46,760 --> 00:21:50,639
Speaker 1: it now. But George, run us through. What has the

454
00:21:50,680 --> 00:21:51,720
Speaker 1: community achieved?

455
00:21:51,720 --> 00:21:52,120
Speaker 4: Okay?

456
00:21:52,240 --> 00:21:56,240
Speaker 3: So our first goal achieved is from Katie. So her

457
00:21:56,280 --> 00:21:59,560
Speaker 3: money goal has been in existence since twenty fourteen, and

458
00:21:59,600 --> 00:22:02,600
Speaker 3: that was to get out of credit card debt. So

459
00:22:03,119 --> 00:22:05,440
Speaker 3: she still has a little bit of debt hanging over

460
00:22:05,480 --> 00:22:08,600
Speaker 3: her head with family due to changing jobs and houses.

461
00:22:08,600 --> 00:22:12,200
Speaker 3: But she wiped out her personal loan in September, which

462
00:22:12,280 --> 00:22:15,359
Speaker 3: was the accumulation of her credit card debts.

463
00:22:15,000 --> 00:22:17,879
Speaker 4: So maybe that is massive.

464
00:22:18,160 --> 00:22:22,840
Speaker 1: That's years and years of hard work finally paying off. Congratulations.

465
00:22:23,080 --> 00:22:25,960
Speaker 3: The next one here is from talia Va. So her

466
00:22:26,040 --> 00:22:30,000
Speaker 3: money goal was to purchase a motorbike outright from check out.

467
00:22:30,359 --> 00:22:33,639
Speaker 3: Had a badass I don't know, have two k in

468
00:22:33,800 --> 00:22:38,040
Speaker 3: an emergency fund amazing even more batter save ten k

469
00:22:38,280 --> 00:22:43,159
Speaker 3: for a US trip in twenty twenty three and start investing.

470
00:22:43,200 --> 00:22:45,879
Speaker 3: And she has big ticks against all of those goals.

471
00:22:45,960 --> 00:22:47,400
Speaker 3: She nailed all of them.

472
00:22:47,560 --> 00:22:51,440
Speaker 1: What George, She already has ten grand saved through trip.

473
00:22:51,520 --> 00:22:53,880
Speaker 1: That's not even this year, it's next year.

474
00:22:54,119 --> 00:22:55,720
Speaker 3: I thought you were going to say that's not even

475
00:22:55,760 --> 00:22:57,320
Speaker 3: going to happen because of coaching.

476
00:22:57,440 --> 00:23:01,000
Speaker 1: Good No, But like she said in twenty twenty three,

477
00:23:01,119 --> 00:23:02,200
Speaker 1: not twenty twenty.

478
00:23:01,960 --> 00:23:02,760
Speaker 4: Two, plaistick.

479
00:23:02,960 --> 00:23:05,520
Speaker 1: We love that from Talia, I will love you and

480
00:23:05,600 --> 00:23:08,679
Speaker 1: she started in their sting and then she says, for

481
00:23:08,760 --> 00:23:11,359
Speaker 1: my twenty twenty two goal, she's going to increase her

482
00:23:11,400 --> 00:23:13,960
Speaker 1: emergency fund to five grand, find a new job, and

483
00:23:14,080 --> 00:23:16,600
Speaker 1: have twenty grand saved for that trip.

484
00:23:16,840 --> 00:23:17,720
Speaker 4: Who is she?

485
00:23:17,920 --> 00:23:22,960
Speaker 1: Love this the big goals and she's Rhia. Check you out.

486
00:23:23,200 --> 00:23:25,880
Speaker 3: The next goal here is from Jen V. So her

487
00:23:25,920 --> 00:23:28,720
Speaker 3: twenty twenty one money goal was to save enough to

488
00:23:28,800 --> 00:23:31,920
Speaker 3: cover her mortgage for her nine month maternity leave.

489
00:23:32,320 --> 00:23:34,119
Speaker 1: That's a smart money goal, it is.

490
00:23:34,200 --> 00:23:37,720
Speaker 3: It's very smart, and she managed to do it even

491
00:23:37,800 --> 00:23:40,479
Speaker 3: though their little girl arrived two months early.

492
00:23:41,200 --> 00:23:42,480
Speaker 1: Early to the party.

493
00:23:43,680 --> 00:23:44,960
Speaker 4: Yeah gosh, I.

494
00:23:44,880 --> 00:23:47,800
Speaker 1: Hope she's all healthy and happy. But oh my gosh,

495
00:23:48,119 --> 00:23:51,000
Speaker 1: imagine achieving that goal, because that's a mean feat. Like

496
00:23:51,040 --> 00:23:53,679
Speaker 1: that's a lot of money to save, like nine months

497
00:23:53,720 --> 00:23:57,200
Speaker 1: worth of repayments, Hugh, and she did it with enough

498
00:23:57,240 --> 00:23:59,960
Speaker 1: time to still have a premie baby. Check you out.

499
00:24:00,280 --> 00:24:01,720
Speaker 4: I'm so proud of everyone.

500
00:24:02,040 --> 00:24:04,159
Speaker 1: Gosh, and I really love babies.

501
00:24:04,400 --> 00:24:06,200
Speaker 4: Oh don't we all toll you should have one?

502
00:24:06,320 --> 00:24:06,600
Speaker 3: Thank you?

503
00:24:06,640 --> 00:24:11,560
Speaker 1: No, no, no, no is my baby. Yes, we will

504
00:24:11,680 --> 00:24:13,840
Speaker 1: think about that. In twenty twenty eight.

505
00:24:15,080 --> 00:24:18,639
Speaker 3: Mel was our next little goal setter and achiever.

506
00:24:18,440 --> 00:24:19,440
Speaker 4: Here hi now.

507
00:24:19,600 --> 00:24:22,560
Speaker 3: So her goal was to save up three months worth

508
00:24:22,560 --> 00:24:26,040
Speaker 3: of her wages for emergencies, increase her mortgage repayments, so

509
00:24:26,119 --> 00:24:30,040
Speaker 3: she's paying triple the minimum repayment if you don't mind,

510
00:24:30,359 --> 00:24:33,000
Speaker 3: and to pay off eleven thousand dollars in debt, which

511
00:24:33,040 --> 00:24:33,480
Speaker 3: she did.

512
00:24:33,680 --> 00:24:35,919
Speaker 4: She didn't all all of that.

513
00:24:36,760 --> 00:24:42,359
Speaker 1: Oh my god, that makes me feel like, oh, that's unrealistic, Mel,

514
00:24:42,480 --> 00:24:43,720
Speaker 1: But check you out.

515
00:24:44,200 --> 00:24:46,480
Speaker 4: Mel has done it. What a little chance, Peeling.

516
00:24:47,240 --> 00:24:48,040
Speaker 1: You're a legend.

517
00:24:49,960 --> 00:24:55,159
Speaker 4: You're a legend. She absolutely is a legend. V and Amy.

518
00:24:55,320 --> 00:24:56,879
Speaker 3: She is our next one on the list, and she

519
00:24:57,000 --> 00:24:59,560
Speaker 3: is also a legend. Her goal was to save twenty

520
00:24:59,640 --> 00:25:03,639
Speaker 3: thousand dollars this year, which she reached last week.

521
00:25:04,040 --> 00:25:04,800
Speaker 4: How good's that?

522
00:25:04,960 --> 00:25:05,600
Speaker 1: Oh my gosh.

523
00:25:05,800 --> 00:25:08,119
Speaker 3: She also she also said she learned a lot of

524
00:25:08,160 --> 00:25:10,200
Speaker 3: things along the way thanks to She's on the money

525
00:25:10,400 --> 00:25:13,080
Speaker 3: and she's hoping to purchase her first home this year.

526
00:25:13,200 --> 00:25:16,879
Speaker 1: Oh my god, I love you, Amy. That is so special.

527
00:25:17,000 --> 00:25:19,240
Speaker 1: But oh my gosh, twenty grand in one year?

528
00:25:19,720 --> 00:25:20,520
Speaker 2: What we need?

529
00:25:20,800 --> 00:25:23,680
Speaker 1: Well, she said, get to twenty thousand dollars. So maybe

530
00:25:23,680 --> 00:25:25,760
Speaker 1: it took her longer than a year, but that's true.

531
00:25:26,119 --> 00:25:28,679
Speaker 1: She got me to twenty grand. I'm very impressed.

532
00:25:29,440 --> 00:25:32,639
Speaker 3: Our last one here, Ve, is from the lovely Gabrielle,

533
00:25:32,680 --> 00:25:36,280
Speaker 3: whose theme this year was to level up in all capitals.

534
00:25:36,640 --> 00:25:39,280
Speaker 3: So her first goal was to change her career direction

535
00:25:39,480 --> 00:25:42,080
Speaker 3: and get a pay rise while she was at it.

536
00:25:42,280 --> 00:25:45,000
Speaker 3: Bo yep, she got the new job, yes, queen in

537
00:25:45,040 --> 00:25:49,560
Speaker 3: a new industry with a thirty five thousand dollar increasing mace.

538
00:25:49,680 --> 00:25:55,360
Speaker 3: Wait she's now earning one queen, Yes, capped commissions.

539
00:25:55,440 --> 00:25:58,920
Speaker 1: So roll, Sorry rude to not share with us what

540
00:25:58,960 --> 00:26:03,439
Speaker 1: you do as a job. Okay, Gabriel, Gabriel, We're coming

541
00:26:03,480 --> 00:26:03,720
Speaker 1: for you.

542
00:26:04,119 --> 00:26:06,680
Speaker 3: Another one of her big goals was to move in

543
00:26:06,800 --> 00:26:08,720
Speaker 3: with her partner, which she did.

544
00:26:08,880 --> 00:26:09,480
Speaker 4: We love.

545
00:26:09,960 --> 00:26:11,960
Speaker 1: That's a very special time in your life.

546
00:26:12,080 --> 00:26:12,840
Speaker 4: Yeah for sure.

547
00:26:13,280 --> 00:26:16,359
Speaker 3: And her theme this year V is double or nothing

548
00:26:16,520 --> 00:26:17,879
Speaker 3: again in all capitals.

549
00:26:18,080 --> 00:26:21,240
Speaker 1: Oh, she has a I love that she has a theme. Gee,

550
00:26:21,280 --> 00:26:23,880
Speaker 1: have you ever thought about having a theme for your goals?

551
00:26:24,320 --> 00:26:26,800
Speaker 4: Absolutely not. My theme is just like push on.

552
00:26:26,880 --> 00:26:29,199
Speaker 3: No. I didn't think say yes, okay, how about you?

553
00:26:30,040 --> 00:26:32,240
Speaker 1: No? But is this lame? I have like a word

554
00:26:32,280 --> 00:26:33,320
Speaker 1: of the year tune.

555
00:26:33,560 --> 00:26:34,440
Speaker 4: What's your word this year?

556
00:26:34,520 --> 00:26:35,160
Speaker 1: Gratitude?

557
00:26:35,440 --> 00:26:35,760
Speaker 4: Okay?

558
00:26:35,800 --> 00:26:36,040
Speaker 3: Good?

559
00:26:36,119 --> 00:26:38,240
Speaker 1: Like remember how I said I want to embrace more happiness.

560
00:26:38,240 --> 00:26:41,359
Speaker 1: I've just picked gratitude as the actual word. And I

561
00:26:41,440 --> 00:26:43,639
Speaker 1: just feel like that's a thing. Like I have a

562
00:26:43,640 --> 00:26:46,000
Speaker 1: group of friends and we all choose a word for

563
00:26:46,280 --> 00:26:49,640
Speaker 1: the year, and I just feel like that's really special

564
00:26:49,720 --> 00:26:52,760
Speaker 1: and quite cool, and it's like the theme of the year.

565
00:26:52,760 --> 00:26:55,120
Speaker 1: I wouldn't say it's the theme of my goals, but

566
00:26:55,200 --> 00:26:57,480
Speaker 1: like it's definitely the theme of the year. Like that's

567
00:26:57,520 --> 00:27:00,520
Speaker 1: the thing I want to embrace more over three hundred

568
00:27:00,560 --> 00:27:03,760
Speaker 1: and sixty five days. And that's pretty cool. But tell

569
00:27:03,800 --> 00:27:06,320
Speaker 1: me what's she doing with her double or nothing year?

570
00:27:06,440 --> 00:27:06,760
Speaker 4: Okay?

571
00:27:06,840 --> 00:27:09,719
Speaker 3: So number one is she's going to renovate her house

572
00:27:09,960 --> 00:27:12,760
Speaker 3: part as already scheduled for later on in this month.

573
00:27:13,359 --> 00:27:16,840
Speaker 3: Number two is to buy a second house, and number

574
00:27:16,880 --> 00:27:19,320
Speaker 3: three is to double her income through commissions.

575
00:27:19,359 --> 00:27:21,760
Speaker 1: What unrelatable content?

576
00:27:22,080 --> 00:27:23,399
Speaker 4: Most content?

577
00:27:23,520 --> 00:27:26,400
Speaker 3: But I'm happy for Gabrielle she's doing it.

578
00:27:26,640 --> 00:27:28,880
Speaker 1: I'm really happy with that as well, and I think

579
00:27:28,880 --> 00:27:31,240
Speaker 1: it's actually a really good lesson in if you want

580
00:27:31,280 --> 00:27:33,399
Speaker 1: to achieve it, you just need to put your head

581
00:27:33,440 --> 00:27:38,040
Speaker 1: down and get it done. Like I'm a very big

582
00:27:38,080 --> 00:27:41,760
Speaker 1: believer that everybody has the capacity to change their money story.

583
00:27:41,840 --> 00:27:45,640
Speaker 1: Everybody has the capacity to achieve a goal. As long

584
00:27:45,720 --> 00:27:48,600
Speaker 1: as we surround ourselves with like minded people, She's on

585
00:27:48,640 --> 00:27:52,920
Speaker 1: the money, and we actually create plans for these goals,

586
00:27:53,000 --> 00:27:55,480
Speaker 1: everything is achievable. Like at the end of the day,

587
00:27:55,720 --> 00:27:59,040
Speaker 1: some of these have been epic, But I also want

588
00:27:59,080 --> 00:28:01,520
Speaker 1: to recognize before we jump into a quick break and

589
00:28:01,560 --> 00:28:03,280
Speaker 1: I know we'll get to it a little bit later,

590
00:28:03,720 --> 00:28:05,640
Speaker 1: but if you're listening to these and you're like, oh

591
00:28:05,680 --> 00:28:09,240
Speaker 1: my god, I have achieved nothing in comparison, like my friend,

592
00:28:09,400 --> 00:28:13,280
Speaker 1: that does not matter. The achievements of others does not

593
00:28:13,560 --> 00:28:17,160
Speaker 1: mean that your achievements are any less or any different

594
00:28:17,359 --> 00:28:19,720
Speaker 1: or not worthy. At the end of the day, a

595
00:28:19,920 --> 00:28:23,640
Speaker 1: rising tide lifts all ships. And the better you do, George,

596
00:28:23,680 --> 00:28:26,879
Speaker 1: the better all women do, the better everybody does. And

597
00:28:26,960 --> 00:28:30,040
Speaker 1: I just want to really embrace that energy going into

598
00:28:30,080 --> 00:28:33,240
Speaker 1: twenty twenty two. It's not about comparison. It's not about

599
00:28:33,359 --> 00:28:35,840
Speaker 1: what you do versus what I do, Like, I am

600
00:28:36,080 --> 00:28:40,080
Speaker 1: stoked for Gabrielle, Like, oh my god, you have increased

601
00:28:40,120 --> 00:28:44,000
Speaker 1: your base salary by thirty five grand. That's quite literally

602
00:28:44,120 --> 00:28:46,280
Speaker 1: the salary of somebody else in the she's on the

603
00:28:46,320 --> 00:28:48,960
Speaker 1: money community. That's not a bad thing. But I think

604
00:28:48,960 --> 00:28:51,600
Speaker 1: we should all be in awe of each other's achievements

605
00:28:51,640 --> 00:28:54,360
Speaker 1: and know if she can do it, I can do it.

606
00:28:54,560 --> 00:28:55,040
Speaker 4: For sure.

607
00:28:55,440 --> 00:28:57,760
Speaker 1: Let's go to a break. But I don't want anybody

608
00:28:57,800 --> 00:29:01,560
Speaker 1: to feel like their goals, whether they had smaller goals

609
00:29:01,880 --> 00:29:04,840
Speaker 1: or maybe you didn't manage to achieve your goals, That

610
00:29:04,880 --> 00:29:08,120
Speaker 1: doesn't make you anything less, That doesn't change anything, That

611
00:29:08,200 --> 00:29:10,720
Speaker 1: doesn't mean that you don't have the potential. Just smash

612
00:29:10,760 --> 00:29:11,960
Speaker 1: it out of the park this year.

613
00:29:12,080 --> 00:29:16,560
Speaker 3: Okay, V Let's now move into our goal setting section

614
00:29:17,000 --> 00:29:20,680
Speaker 3: of the show. There are a few rules that we've

615
00:29:20,760 --> 00:29:23,840
Speaker 3: kind of established over the journey which we wanted to

616
00:29:23,960 --> 00:29:27,400
Speaker 3: remind everyone of today when it comes to setting goals,

617
00:29:27,480 --> 00:29:30,400
Speaker 3: like little tips and tricks that make it easier to

618
00:29:30,480 --> 00:29:34,560
Speaker 3: stick to them. If that makes sense. Genius Genie reminder,

619
00:29:34,840 --> 00:29:38,760
Speaker 3: our first tip is to set achievable goal spee. How

620
00:29:38,800 --> 00:29:39,680
Speaker 3: does this work?

621
00:29:39,800 --> 00:29:43,480
Speaker 1: Honestly, it is so easy to get completely disheartened and

622
00:29:43,600 --> 00:29:47,440
Speaker 1: feel like a dumpster fire if we set a goal

623
00:29:47,560 --> 00:29:50,600
Speaker 1: that we aren't able to achieve. So setting small goals

624
00:29:50,600 --> 00:29:54,000
Speaker 1: that lead to a larger goal is absolutely preferable. And

625
00:29:54,080 --> 00:29:56,760
Speaker 1: the way to do that is to actually work backwards.

626
00:29:56,920 --> 00:29:58,680
Speaker 1: So if you want to save one hundred dollars in

627
00:29:58,760 --> 00:30:01,800
Speaker 1: ten months, we'd work back and go, Okay, what does

628
00:30:01,840 --> 00:30:05,200
Speaker 1: that mean for every single month? Ten dollars a month? Okay,

629
00:30:05,240 --> 00:30:08,720
Speaker 1: no problems. Can I feasibly find that in my budget

630
00:30:08,800 --> 00:30:11,760
Speaker 1: to save? If the answer is no, we know that

631
00:30:11,880 --> 00:30:14,760
Speaker 1: in ten months time we're going to be really disheartened

632
00:30:14,800 --> 00:30:17,120
Speaker 1: with our goal because we're not going to achieve it

633
00:30:17,360 --> 00:30:20,760
Speaker 1: because at a base level, that was never going to happen.

634
00:30:21,080 --> 00:30:23,760
Speaker 1: So I think it's really important to set smaller goals

635
00:30:23,800 --> 00:30:26,400
Speaker 1: that lead to a larger goal. Then just set this

636
00:30:26,560 --> 00:30:29,480
Speaker 1: massive goal and start working towards it. It's also so

637
00:30:29,760 --> 00:30:32,760
Speaker 1: hard in this day and age saving up for a house,

638
00:30:32,760 --> 00:30:34,320
Speaker 1: which I know is the goal of a lot of

639
00:30:34,320 --> 00:30:37,360
Speaker 1: people in our community, that can take years. And if

640
00:30:37,400 --> 00:30:41,120
Speaker 1: you don't set those smaller, realistic goals, you're going to

641
00:30:41,160 --> 00:30:44,440
Speaker 1: find yourself falling off the bandwagon or feeling disheartened or

642
00:30:44,440 --> 00:30:47,760
Speaker 1: feeling like it's never going to happen. And who wants

643
00:30:47,800 --> 00:30:50,160
Speaker 1: to set a goal that's five years away with no

644
00:30:50,240 --> 00:30:53,480
Speaker 1: ability to celebrate along the way. So we really need

645
00:30:53,520 --> 00:30:56,440
Speaker 1: to break them down into bite sized pieces that make

646
00:30:56,480 --> 00:30:58,680
Speaker 1: a lot of sense. And at the end of the day,

647
00:30:58,760 --> 00:31:01,920
Speaker 1: setting more realistic and achievable goals is going to land

648
00:31:02,000 --> 00:31:04,600
Speaker 1: us in exactly the spot we want to land in.

649
00:31:05,160 --> 00:31:09,040
Speaker 3: And I feel like often when you don't meet a goal,

650
00:31:09,120 --> 00:31:11,600
Speaker 3: you do feel really useless, as you said, and sometimes

651
00:31:11,640 --> 00:31:15,040
Speaker 3: that can kind of propel you to maybe impulse spend

652
00:31:15,160 --> 00:31:18,640
Speaker 3: or do a little bit of retail therapy that lets.

653
00:31:18,440 --> 00:31:19,280
Speaker 4: You in a worse position.

654
00:31:19,320 --> 00:31:22,600
Speaker 1: Anyway, it honestly feels like trash like. And I'm not

655
00:31:22,680 --> 00:31:25,560
Speaker 1: saying that because I don't know what it's like. I've

656
00:31:25,600 --> 00:31:29,080
Speaker 1: been there, Like I've been in debt before, and I've had,

657
00:31:29,200 --> 00:31:32,360
Speaker 1: you know, a personal loan lauding over my head. And

658
00:31:32,400 --> 00:31:34,880
Speaker 1: I remember so many times I set the goal and

659
00:31:34,920 --> 00:31:36,320
Speaker 1: I would say, I'm going to get.

660
00:31:36,240 --> 00:31:36,640
Speaker 3: Out of that.

661
00:31:37,320 --> 00:31:41,160
Speaker 1: Okay, Victoria, with what plan were you going to get

662
00:31:41,200 --> 00:31:43,400
Speaker 1: out of that? How were you going to do that?

663
00:31:43,480 --> 00:31:46,040
Speaker 1: Like maybe one morning on a Saturday, I woke up

664
00:31:46,320 --> 00:31:48,360
Speaker 1: super motivated and I would be like, do you know

665
00:31:48,400 --> 00:31:50,880
Speaker 1: what I'm done with that? I'm going to smash it down.

666
00:31:51,200 --> 00:31:54,960
Speaker 1: But I never gave myself the grace of creating that plan,

667
00:31:55,440 --> 00:31:57,800
Speaker 1: so that when I didn't have that same level of motivation,

668
00:31:57,920 --> 00:31:59,960
Speaker 1: I was like, oh, I can't be bothered working it out,

669
00:32:00,240 --> 00:32:03,160
Speaker 1: or like maybe this month I won't transfer an additional

670
00:32:03,840 --> 00:32:07,800
Speaker 1: loan repayment or whatever it was. So I didn't achieve

671
00:32:07,840 --> 00:32:10,760
Speaker 1: that as quickly as I could have had I been like, Okay,

672
00:32:11,160 --> 00:32:13,880
Speaker 1: I found my level of motivation. This is how much

673
00:32:13,880 --> 00:32:16,400
Speaker 1: I owe, how quickly can I repay it back? What

674
00:32:16,560 --> 00:32:18,920
Speaker 1: money do I have that I could contribute to it?

675
00:32:19,080 --> 00:32:21,920
Speaker 1: And then automating it is really helpful as well. So

676
00:32:21,960 --> 00:32:24,080
Speaker 1: if the plan is to get out of debt, and

677
00:32:24,120 --> 00:32:26,239
Speaker 1: you've worked out your budget and cash flow so you

678
00:32:26,280 --> 00:32:29,760
Speaker 1: can afford another fifty bucks a month onto a debt repayment,

679
00:32:30,400 --> 00:32:33,600
Speaker 1: automate it, put it on direct debit, so it happens.

680
00:32:33,640 --> 00:32:36,600
Speaker 1: Because as much as it's upsetting, and I don't mean

681
00:32:36,720 --> 00:32:40,719
Speaker 1: like deeply I'm so depressed upsetting, I more mean we

682
00:32:40,760 --> 00:32:43,240
Speaker 1: aren't always going to hold the same level of motivation

683
00:32:43,360 --> 00:32:45,640
Speaker 1: for things or the same goals. It's going to depend

684
00:32:45,680 --> 00:32:48,000
Speaker 1: on our mood and what's going on around us. But

685
00:32:48,200 --> 00:32:51,120
Speaker 1: if that is deeply a goal of yours, create a

686
00:32:51,160 --> 00:32:54,320
Speaker 1: plan that is full proof, make sure it is automated,

687
00:32:54,600 --> 00:32:57,560
Speaker 1: set up those direct debts, get your stuff in order

688
00:32:57,600 --> 00:33:00,160
Speaker 1: when you do have that high level of motivation so

689
00:33:00,320 --> 00:33:03,120
Speaker 1: it can carry you when you're not feelings on top

690
00:33:03,160 --> 00:33:03,360
Speaker 1: of it.

691
00:33:03,440 --> 00:33:06,520
Speaker 3: Brilliant, which I feel like this kind of leads to

692
00:33:06,560 --> 00:33:10,440
Speaker 3: our next rule, writing the goals down. I feel like

693
00:33:10,440 --> 00:33:12,520
Speaker 3: that's a really good way of staying on top of things.

694
00:33:12,560 --> 00:33:15,960
Speaker 1: Be exactly. Writing down on goals really clarifies them and

695
00:33:16,000 --> 00:33:19,520
Speaker 1: allows us to visualize things. So why not stick them

696
00:33:19,560 --> 00:33:21,360
Speaker 1: on the fridge or in your wardrobe if you want

697
00:33:21,360 --> 00:33:24,280
Speaker 1: to save another thousand dollars? We literally have our savings

698
00:33:24,360 --> 00:33:27,680
Speaker 1: hacks that you can print out their very aesthetic and

699
00:33:27,760 --> 00:33:30,200
Speaker 1: stick them on your fridge so that you can cross

700
00:33:30,240 --> 00:33:33,480
Speaker 1: them off and stay motivated. Things that our front of

701
00:33:33,600 --> 00:33:37,400
Speaker 1: mind are far more likely to be achieved. The other

702
00:33:37,480 --> 00:33:40,800
Speaker 1: part is what's actually happening on a neurological level. Now

703
00:33:40,840 --> 00:33:44,680
Speaker 1: I'm paraphrasing a super interesting article from Forbes here, but basically,

704
00:33:44,720 --> 00:33:48,160
Speaker 1: when we write down our goals, we're encoding them, which

705
00:33:48,240 --> 00:33:51,880
Speaker 1: is a biological process where whatever we are perceiving actually

706
00:33:52,120 --> 00:33:55,080
Speaker 1: travels to the hippocampus, which is in our brain and

707
00:33:55,280 --> 00:33:58,000
Speaker 1: is analyzed, and from there our brain sorts out what

708
00:33:58,120 --> 00:34:00,440
Speaker 1: will be stored in our long term memory and what

709
00:34:00,640 --> 00:34:03,240
Speaker 1: won't be. When we write things down, it is more

710
00:34:03,360 --> 00:34:05,560
Speaker 1: likely that that thing is going to end up in

711
00:34:05,600 --> 00:34:07,760
Speaker 1: our long term memory, and things that are really our

712
00:34:07,800 --> 00:34:10,759
Speaker 1: long term memories, they stick and they happen. Are you're

713
00:34:10,719 --> 00:34:14,759
Speaker 1: a scientist, No, I'm not, but I did study psychology

714
00:34:14,800 --> 00:34:17,880
Speaker 1: and that's why I know where the hippocampus is located

715
00:34:17,840 --> 00:34:18,680
Speaker 1: to Georgia.

716
00:34:19,000 --> 00:34:21,279
Speaker 3: That's really cool to know because everyone always says that

717
00:34:21,320 --> 00:34:24,800
Speaker 3: like writing it down sticks fluffy.

718
00:34:25,160 --> 00:34:29,680
Speaker 1: No, it's literally science, and science is sick. It's also

719
00:34:29,760 --> 00:34:32,120
Speaker 1: great to have something to refer back to if we

720
00:34:32,200 --> 00:34:34,839
Speaker 1: lose track or need to recall what our goals are.

721
00:34:35,280 --> 00:34:37,000
Speaker 1: And at the end of the day, it helps us

722
00:34:37,040 --> 00:34:39,520
Speaker 1: keep accountable. If we're writing it down, it is just

723
00:34:39,640 --> 00:34:42,680
Speaker 1: more likely to happen. Believe me, it's science.

724
00:34:43,680 --> 00:34:46,719
Speaker 4: I love it. Doctor v Our next step.

725
00:34:46,480 --> 00:34:48,879
Speaker 1: Can you imagine maybe I should go back to UNI

726
00:34:48,960 --> 00:34:51,719
Speaker 1: again and like not become a real doctor because I

727
00:34:51,760 --> 00:34:54,480
Speaker 1: don't really like the side of blood. But like, maybe

728
00:34:54,520 --> 00:34:57,080
Speaker 1: get a PhD or something, so everybody has to in

729
00:34:57,120 --> 00:34:59,240
Speaker 1: the future refer to me as doctor Devine.

730
00:34:59,280 --> 00:35:02,719
Speaker 4: I have the money, doctor money, duck cash dock. That's

731
00:35:02,800 --> 00:35:03,880
Speaker 4: like a doctor divine.

732
00:35:03,920 --> 00:35:06,920
Speaker 1: Does not sound to define work in money, Yeah, it doesn't.

733
00:35:07,040 --> 00:35:08,640
Speaker 1: Kind of go work in money. It sounds like I

734
00:35:08,680 --> 00:35:11,600
Speaker 1: work in another industry. Maybe I should just change industries

735
00:35:12,600 --> 00:35:15,560
Speaker 1: a you, I wouldn't say no, got to go where

736
00:35:15,560 --> 00:35:16,120
Speaker 1: the money is.

737
00:35:17,120 --> 00:35:21,480
Speaker 3: Okay, the next little goal, the next goal. I'm flustered,

738
00:35:21,480 --> 00:35:25,479
Speaker 3: look out, red am. The next step is to check

739
00:35:25,480 --> 00:35:28,280
Speaker 3: in with our goals and adjust them as needed throughout

740
00:35:28,320 --> 00:35:28,640
Speaker 3: the year.

741
00:35:28,880 --> 00:35:31,200
Speaker 1: I think that's a really good suggestion that you have made.

742
00:35:31,280 --> 00:35:33,520
Speaker 1: G And the reason I think it's a good suggestion

743
00:35:33,680 --> 00:35:37,360
Speaker 1: is what we want today might be what we want tomorrow.

744
00:35:37,560 --> 00:35:40,960
Speaker 1: I guarantee the goals I set last year might not

745
00:35:41,120 --> 00:35:43,839
Speaker 1: all fit into the values that I hold this year.

746
00:35:44,200 --> 00:35:46,439
Speaker 1: So it is always a really good idea to check

747
00:35:46,440 --> 00:35:48,560
Speaker 1: in and see if one we're on track with achieving

748
00:35:48,600 --> 00:35:50,719
Speaker 1: our goals, or if we need to modify either our

749
00:35:50,760 --> 00:35:53,319
Speaker 1: behaviors or our goals to see if we're going to

750
00:35:53,360 --> 00:35:55,520
Speaker 1: still achieve them. But on the flip side of that,

751
00:35:55,680 --> 00:35:57,520
Speaker 1: what if you're crushing it and you need to make

752
00:35:57,560 --> 00:36:01,040
Speaker 1: your goals harder, then you definitely should make them harder

753
00:36:01,040 --> 00:36:03,480
Speaker 1: and change them so that we can achieve more and

754
00:36:03,520 --> 00:36:06,880
Speaker 1: be the best version of us. I definitely recommend checking

755
00:36:06,880 --> 00:36:09,160
Speaker 1: in at least once a month, or or once every

756
00:36:09,280 --> 00:36:11,920
Speaker 1: second month, depending on the size of your goal. But

757
00:36:12,000 --> 00:36:14,719
Speaker 1: from my perspective, it is really important to not just

758
00:36:14,840 --> 00:36:17,920
Speaker 1: check in and be like, am I progressing? Yes? Great?

759
00:36:18,600 --> 00:36:21,719
Speaker 1: Is this still of value to me? Is really important?

760
00:36:22,000 --> 00:36:25,000
Speaker 1: And I've spoken to people historically, and I know that

761
00:36:25,040 --> 00:36:27,359
Speaker 1: there are a lot of you in our community who

762
00:36:27,400 --> 00:36:29,400
Speaker 1: have messaged me or talked to me or even my

763
00:36:29,480 --> 00:36:32,600
Speaker 1: clients who have been like the yes, So I've spent

764
00:36:32,640 --> 00:36:35,400
Speaker 1: the last four years saving for a househ and I

765
00:36:35,440 --> 00:36:40,080
Speaker 1: don't want to buy a house anymore. That is fine. Great,

766
00:36:40,239 --> 00:36:43,200
Speaker 1: We've been working towards a goal. We have an asset

767
00:36:43,280 --> 00:36:46,640
Speaker 1: that we have been saving up for. Any goal is

768
00:36:46,760 --> 00:36:50,000
Speaker 1: not a waste of time just because you change the

769
00:36:50,040 --> 00:36:53,520
Speaker 1: parameters of what that might look like. And don't feel

770
00:36:53,520 --> 00:36:55,840
Speaker 1: disheartened if you're like, oh my god, I've been working

771
00:36:55,880 --> 00:36:58,520
Speaker 1: towards this massive goal and now it's not going to happen.

772
00:36:59,040 --> 00:37:02,240
Speaker 1: That's fine. Learned a lot along the way, we've changed

773
00:37:02,239 --> 00:37:04,840
Speaker 1: our values and that's okay. But the same thing goes

774
00:37:05,160 --> 00:37:07,319
Speaker 1: for careers. And I know that this is not what

775
00:37:07,719 --> 00:37:09,920
Speaker 1: we were talking about, but maybe your goal is this

776
00:37:10,000 --> 00:37:14,160
Speaker 1: year to change careers or get a different job. The time,

777
00:37:14,480 --> 00:37:17,400
Speaker 1: energy and effort that you have put into your current

778
00:37:17,480 --> 00:37:20,320
Speaker 1: career to date or current job to date, or current

779
00:37:20,440 --> 00:37:23,399
Speaker 1: UNI degree to date, it's never lost. Even if you're

780
00:37:23,400 --> 00:37:26,040
Speaker 1: not going to work in that industry, you have learned

781
00:37:26,120 --> 00:37:28,480
Speaker 1: a lot, Like look at what I have done. I

782
00:37:28,560 --> 00:37:31,560
Speaker 1: have gone from being in psychology and now I'm in finance,

783
00:37:31,600 --> 00:37:34,359
Speaker 1: and there is no way that I would say that

784
00:37:34,360 --> 00:37:36,880
Speaker 1: that was a waste of my time. It has absolutely

785
00:37:36,920 --> 00:37:39,400
Speaker 1: gotten me to where I am today. So even if

786
00:37:39,440 --> 00:37:43,040
Speaker 1: you're going from medicine to being a journalist or going

787
00:37:43,080 --> 00:37:47,000
Speaker 1: from being George a journalist to being something completely different,

788
00:37:47,080 --> 00:37:49,680
Speaker 1: it doesn't matter. I think we really need to drop

789
00:37:49,760 --> 00:37:53,440
Speaker 1: this idea of oh but I've worked there for ten years,

790
00:37:53,480 --> 00:37:56,799
Speaker 1: so maybe I should just stay, or oh but I

791
00:37:56,880 --> 00:37:59,399
Speaker 1: did that degree and it would be a waste if

792
00:37:59,400 --> 00:38:02,520
Speaker 1: I didn't work in that area. Like no, follow your heart,

793
00:38:02,560 --> 00:38:04,960
Speaker 1: follow the things that you love, and I promise the

794
00:38:05,080 --> 00:38:06,840
Speaker 1: money and the joy will follow.

795
00:38:07,640 --> 00:38:09,120
Speaker 4: I'm welling up over here.

796
00:38:09,520 --> 00:38:10,080
Speaker 1: No you're not.

797
00:38:10,400 --> 00:38:12,640
Speaker 4: Yes I am. That was stunning from you.

798
00:38:13,640 --> 00:38:14,680
Speaker 1: Oh thanks Ja.

799
00:38:15,000 --> 00:38:19,200
Speaker 3: Our last little rule here is my personal favorite.

800
00:38:19,280 --> 00:38:20,080
Speaker 1: Oh what is it?

801
00:38:20,080 --> 00:38:23,080
Speaker 3: It's to celebrate our wins along the way.

802
00:38:23,400 --> 00:38:25,080
Speaker 1: And share them with the shaes on the money community

803
00:38:25,120 --> 00:38:27,719
Speaker 1: because I literally read every single one of them exactly.

804
00:38:27,880 --> 00:38:31,560
Speaker 3: So why is this so important? Like why is acknowledging

805
00:38:31,719 --> 00:38:33,640
Speaker 3: our success so pivotal?

806
00:38:33,719 --> 00:38:36,080
Speaker 1: Okay, so I'm going to be a little bit fluffy again.

807
00:38:36,239 --> 00:38:39,759
Speaker 1: And I was watching a video the other day on Instagram,

808
00:38:39,840 --> 00:38:43,440
Speaker 1: because that's what my life is really, It's either scrolling

809
00:38:43,480 --> 00:38:46,600
Speaker 1: through my Instagram feed or scrolling through my TikTok feed,

810
00:38:46,760 --> 00:38:49,600
Speaker 1: let's be real. But this video came up and it

811
00:38:49,640 --> 00:38:52,520
Speaker 1: said if somebody else was as critical of me as

812
00:38:52,640 --> 00:38:54,680
Speaker 1: I am of me, I wouldn't want to spend an

813
00:38:54,719 --> 00:38:57,560
Speaker 1: hour with them. And I think it's really important to

814
00:38:57,640 --> 00:39:00,920
Speaker 1: take that energy and go, you know what, that's true.

815
00:39:01,280 --> 00:39:04,359
Speaker 1: I want to be celebrated. You deserve to be celebrated.

816
00:39:04,360 --> 00:39:06,920
Speaker 1: It doesn't matter what you do or who you are, like,

817
00:39:07,000 --> 00:39:10,279
Speaker 1: you deserve love and you deserve respect, and you need

818
00:39:10,320 --> 00:39:13,480
Speaker 1: to start by giving that to yourselves. And you need

819
00:39:13,560 --> 00:39:16,560
Speaker 1: to be treating yourself with self worth along the way

820
00:39:16,640 --> 00:39:19,920
Speaker 1: and actually making sure that all this time, energy and

821
00:39:20,000 --> 00:39:22,399
Speaker 1: effort and the hard work you're putting in is not

822
00:39:22,440 --> 00:39:27,080
Speaker 1: only rewarding but really respected, and that actually starts with you.

823
00:39:27,560 --> 00:39:30,960
Speaker 1: And it's a really good motivator as well. Just stay inspired,

824
00:39:31,040 --> 00:39:33,640
Speaker 1: Like celebrate the small things. I don't care what it

825
00:39:33,719 --> 00:39:36,520
Speaker 1: is or how you celebrate. Obviously, please please please don't

826
00:39:36,560 --> 00:39:39,160
Speaker 1: go overboard and jeopardize all your hard work. Like there's

827
00:39:39,239 --> 00:39:42,120
Speaker 1: treat yourself and then there's absolutely ruined yourself. These two

828
00:39:42,160 --> 00:39:45,040
Speaker 1: things are very different. But one thing that I've got

829
00:39:45,080 --> 00:39:49,360
Speaker 1: a girlfriend, right, and she adores chocolate, Like honestly, she

830
00:39:49,440 --> 00:39:53,840
Speaker 1: could eat chocolate till the cows come home. But she

831
00:39:53,960 --> 00:39:58,120
Speaker 1: buys these real bougie chocolates from Hakes in the city,

832
00:39:58,239 --> 00:40:01,680
Speaker 1: oh oh, and she puts little like post it notes

833
00:40:01,680 --> 00:40:04,000
Speaker 1: on them and sticks them in the fridge. And whenever

834
00:40:04,000 --> 00:40:07,440
Speaker 1: she achieves something, she goes and gets the chocolate that

835
00:40:07,480 --> 00:40:10,120
Speaker 1: has the post it note on it to celebrate. She

836
00:40:10,200 --> 00:40:13,240
Speaker 1: doesn't drink. I would probably do it with champagne or something,

837
00:40:13,520 --> 00:40:16,920
Speaker 1: but like she does chocolate, but like labeling the chocolate

838
00:40:17,000 --> 00:40:19,880
Speaker 1: and it says if I achieve X, like this is

839
00:40:19,920 --> 00:40:22,480
Speaker 1: the celebration, and she's just so cute, and I just

840
00:40:22,520 --> 00:40:25,239
Speaker 1: feel like, work out a way that you want to

841
00:40:25,280 --> 00:40:27,680
Speaker 1: celebrate and think about it. Is it a small thing

842
00:40:27,760 --> 00:40:29,520
Speaker 1: like a chocolate or is it a bigger thing like

843
00:40:29,560 --> 00:40:32,879
Speaker 1: maybe going out for dinner or popping a bottle of champagne.

844
00:40:33,000 --> 00:40:37,480
Speaker 1: It honestly doesn't matter, but it's actually really sweet to

845
00:40:37,680 --> 00:40:40,280
Speaker 1: put yourself in a position where that's definitely going to happen.

846
00:40:40,520 --> 00:40:43,080
Speaker 1: Because I think that one thing that I'm really good at,

847
00:40:43,120 --> 00:40:44,680
Speaker 1: and I know that a lot of people in our

848
00:40:44,719 --> 00:40:47,360
Speaker 1: community are going to resonate with this, is that we

849
00:40:47,440 --> 00:40:51,000
Speaker 1: don't celebrate our wins enough. But often that is a

850
00:40:51,040 --> 00:40:54,239
Speaker 1: product of us not planning to celebrate our wins. So

851
00:40:54,280 --> 00:40:56,560
Speaker 1: whether that is buying the chocolate and putting it in

852
00:40:56,560 --> 00:40:58,920
Speaker 1: the fridge before that wind happens so that you know

853
00:40:59,040 --> 00:41:01,040
Speaker 1: it's there and you get it when you achieve that,

854
00:41:01,640 --> 00:41:04,280
Speaker 1: or it's I know I'm going to achieve my savings

855
00:41:04,280 --> 00:41:06,160
Speaker 1: goal and I really want to go out for dinner

856
00:41:06,160 --> 00:41:09,520
Speaker 1: with my friend George. Book it in in advance and

857
00:41:09,560 --> 00:41:12,000
Speaker 1: say George, let's go out for dinner. I'm going to

858
00:41:12,080 --> 00:41:15,239
Speaker 1: achieve this goal next month. Can we celebrate it? I

859
00:41:15,440 --> 00:41:19,000
Speaker 1: promise your friends and family will be so excited to

860
00:41:19,040 --> 00:41:22,960
Speaker 1: celebrate those goals with you. Write them down, but please

861
00:41:23,160 --> 00:41:25,799
Speaker 1: make sure if you do anything in twenty twenty two.

862
00:41:26,280 --> 00:41:29,080
Speaker 1: One it's make sure you have an emergency fund, get

863
00:41:29,120 --> 00:41:33,680
Speaker 1: that thing in place. But two, please celebrate your achievements

864
00:41:33,719 --> 00:41:36,040
Speaker 1: like you are so worth it and I honestly want

865
00:41:36,080 --> 00:41:37,320
Speaker 1: to see you win it everything.

866
00:41:37,600 --> 00:41:41,800
Speaker 3: Yes, Okay, So to summarize, I guess the four keys

867
00:41:41,840 --> 00:41:45,000
Speaker 3: to goal setting are writing them down, making them achievable,

868
00:41:45,480 --> 00:41:50,759
Speaker 3: checking in regularly, and finally acknowledging your own success. They're

869
00:41:50,760 --> 00:41:53,280
Speaker 3: pretty Four is like a good number, that's the feeling.

870
00:41:53,520 --> 00:41:56,799
Speaker 1: Four is the new three therategic number we love.

871
00:41:56,920 --> 00:41:59,399
Speaker 3: Okay, So before we do head off fee, we were

872
00:41:59,400 --> 00:42:02,640
Speaker 3: talking before the show about how we wanted to touch

873
00:42:02,680 --> 00:42:05,879
Speaker 3: on comparison and how everyone over the last two years

874
00:42:05,880 --> 00:42:08,600
Speaker 3: has had such a different experience. You know, there's states

875
00:42:08,640 --> 00:42:11,720
Speaker 3: that have not been affected by the pandemic at all. Really,

876
00:42:11,840 --> 00:42:14,160
Speaker 3: there's others that have been. You know, they've spent a

877
00:42:14,200 --> 00:42:16,680
Speaker 3: lot of time in lockdown, and maybe we're all at

878
00:42:16,680 --> 00:42:21,600
Speaker 3: different places financially, gills. How do we not succumb to

879
00:42:21,640 --> 00:42:26,000
Speaker 3: that kind of toxic, sludgy feeling of comparison, if we

880
00:42:26,040 --> 00:42:28,400
Speaker 3: are seeing our contemporaries kicking goals.

881
00:42:28,200 --> 00:42:29,640
Speaker 4: That we wish we maybe were.

882
00:42:29,920 --> 00:42:34,360
Speaker 1: Honestly, please please, please, please have the self worth to

883
00:42:34,480 --> 00:42:37,759
Speaker 1: know that you are good enough and your efforts are

884
00:42:37,800 --> 00:42:41,800
Speaker 1: never going to betray you. Like everybody has had such

885
00:42:41,880 --> 00:42:44,880
Speaker 1: differing experiences over the last two years. Some of you

886
00:42:44,960 --> 00:42:47,279
Speaker 1: have lost your jobs, some of you have had to

887
00:42:47,320 --> 00:42:50,000
Speaker 1: remortgage your houses. Some of you have lost your houses,

888
00:42:50,239 --> 00:42:53,720
Speaker 1: some have lost loved ones, some have taken massive pay cuts,

889
00:42:53,840 --> 00:42:56,360
Speaker 1: some of them battling with their mental health. I know

890
00:42:56,480 --> 00:42:59,040
Speaker 1: some people who have been battling with not just mental

891
00:42:59,120 --> 00:43:02,879
Speaker 1: health but physical health and very serious illnesses during this

892
00:43:02,960 --> 00:43:06,360
Speaker 1: period of time, who haven't been able to even have

893
00:43:06,480 --> 00:43:08,799
Speaker 1: family in the hospital with them while they go through

894
00:43:08,840 --> 00:43:12,640
Speaker 1: these things. Like there have been some people, George, who've

895
00:43:12,680 --> 00:43:16,160
Speaker 1: been completely unaffected. Like it's been such a unique and

896
00:43:16,320 --> 00:43:20,160
Speaker 1: absolutely bizarre time. And what we really don't need right now,

897
00:43:20,440 --> 00:43:23,680
Speaker 1: especially is to be comparing ourselves to the journeys of

898
00:43:23,760 --> 00:43:28,320
Speaker 1: other people, especially because we have not experienced their journeys

899
00:43:28,360 --> 00:43:30,800
Speaker 1: at all. We don't know how to walk a mile

900
00:43:30,840 --> 00:43:34,640
Speaker 1: in somebody else's shoes because they're currently wearing them and

901
00:43:34,680 --> 00:43:37,279
Speaker 1: they're not actually up for you to try on. So

902
00:43:37,360 --> 00:43:39,920
Speaker 1: I think that we really need to remember who we

903
00:43:40,000 --> 00:43:43,279
Speaker 1: are and remember that we are worth so much more

904
00:43:43,320 --> 00:43:46,640
Speaker 1: than often what we give ourselves credit for, and just

905
00:43:46,760 --> 00:43:50,520
Speaker 1: because somebody else is making an achievement or somebody else

906
00:43:50,640 --> 00:43:52,879
Speaker 1: is in a situation where you know, over the next

907
00:43:52,880 --> 00:43:55,920
Speaker 1: twelve months, especially because we've been in lockdown, you know

908
00:43:55,920 --> 00:43:57,480
Speaker 1: what we're going to see, George. We're going to see

909
00:43:57,520 --> 00:43:59,640
Speaker 1: lots of people buying their first times. We're going to

910
00:43:59,640 --> 00:44:01,960
Speaker 1: see lots of people buying property. We're going to see

911
00:44:02,000 --> 00:44:04,160
Speaker 1: lots of weddings. We're going to see a lot of

912
00:44:04,200 --> 00:44:07,400
Speaker 1: money being spent over the next twelve months because so

913
00:44:07,520 --> 00:44:10,680
Speaker 1: many people haven't been able to do that during lockdown,

914
00:44:11,000 --> 00:44:13,080
Speaker 1: and that is going to put us in a position

915
00:44:13,080 --> 00:44:16,560
Speaker 1: where we sometimes feel a little bit inadequate. You'll be like, oh,

916
00:44:16,560 --> 00:44:19,759
Speaker 1: my gosh, how did Victoria refford a wedding after the

917
00:44:19,880 --> 00:44:23,719
Speaker 1: year That was like, you don't know my personal situation,

918
00:44:23,880 --> 00:44:26,799
Speaker 1: and my friend, I do not know yours, But what

919
00:44:26,920 --> 00:44:29,279
Speaker 1: I do know is that I want to celebrate you,

920
00:44:29,440 --> 00:44:31,920
Speaker 1: and I hope that you would extend that same grace

921
00:44:32,120 --> 00:44:37,640
Speaker 1: to everybody else and not see somebody else's achievements as

922
00:44:37,680 --> 00:44:40,880
Speaker 1: a competition, like achievements are not a competition. And I

923
00:44:40,920 --> 00:44:44,400
Speaker 1: said it earlier in the show, A rising tide liftsulships.

924
00:44:44,440 --> 00:44:46,279
Speaker 1: And that's why we always in the Shees on the

925
00:44:46,280 --> 00:44:49,000
Speaker 1: Money community want to embrace your money wins and your

926
00:44:49,000 --> 00:44:53,960
Speaker 1: money confessions because I am richer knowing that you're going

927
00:44:54,000 --> 00:44:57,160
Speaker 1: through that, I'm richer having those experiences shared with me

928
00:44:57,760 --> 00:45:00,719
Speaker 1: in terms of tips to avoid that g feeling of

929
00:45:00,719 --> 00:45:05,680
Speaker 1: inadequacy or the jealousy that honestly, comparison does breed. Please

930
00:45:05,880 --> 00:45:08,879
Speaker 1: please please pause and remind yourself that you are doing

931
00:45:08,920 --> 00:45:11,880
Speaker 1: a great job. If it's on social media, George, unfollow

932
00:45:11,920 --> 00:45:13,680
Speaker 1: those people that you just don't need to see the

933
00:45:13,719 --> 00:45:16,359
Speaker 1: highlights re aulers of Like, at the end of the day,

934
00:45:16,400 --> 00:45:19,160
Speaker 1: that's what social media is. People aren't going to be

935
00:45:19,800 --> 00:45:22,759
Speaker 1: sharing all of the stuff that's kind of crappy. They're

936
00:45:22,800 --> 00:45:24,759
Speaker 1: only going to share the good stuff. And I think

937
00:45:24,760 --> 00:45:26,640
Speaker 1: that there's a lot of power in the mute button,

938
00:45:27,239 --> 00:45:29,880
Speaker 1: Like you don't necessarily have to unfollow with them if

939
00:45:29,880 --> 00:45:32,760
Speaker 1: they're a friend, I just don't want to see your stuff.

940
00:45:32,840 --> 00:45:35,600
Speaker 1: Do cheeky mute Yep, they don't know it won't pop

941
00:45:35,719 --> 00:45:38,120
Speaker 1: up on your feed and you won't feel that gross

942
00:45:38,160 --> 00:45:40,040
Speaker 1: feeling in the bottom of your stomach if that's what

943
00:45:40,120 --> 00:45:42,120
Speaker 1: you're going through. I want you to learn to be

944
00:45:42,239 --> 00:45:46,759
Speaker 1: happy for others and actually understand that the more love

945
00:45:46,800 --> 00:45:49,920
Speaker 1: you give, the more love you end up receiving. I promise,

946
00:45:50,000 --> 00:45:52,239
Speaker 1: the more you give, the more you get back. And

947
00:45:52,320 --> 00:45:54,480
Speaker 1: one hot tip from me, and this was a tip

948
00:45:54,520 --> 00:45:57,480
Speaker 1: that we had earlier, is write it down. Write it down,

949
00:45:57,800 --> 00:46:01,400
Speaker 1: start a gratitude journal and start remind yourself of everything

950
00:46:01,440 --> 00:46:03,480
Speaker 1: you have now and all the things that you were

951
00:46:03,520 --> 00:46:06,520
Speaker 1: amazing at. Because I promise as much as you might

952
00:46:06,560 --> 00:46:09,239
Speaker 1: be looking at other people and comparing yourself to them,

953
00:46:09,800 --> 00:46:12,680
Speaker 1: guarantee there is somebody looking at you in exactly the

954
00:46:12,719 --> 00:46:13,239
Speaker 1: same way.

955
00:46:13,360 --> 00:46:15,239
Speaker 3: That's it, and you never you never think of it

956
00:46:15,280 --> 00:46:15,560
Speaker 3: that way.

957
00:46:15,680 --> 00:46:17,759
Speaker 1: You never know no one ever thinks of it that way.

958
00:46:17,880 --> 00:46:20,399
Speaker 1: Like you might be feeling super inadequate and somebody else

959
00:46:20,480 --> 00:46:22,640
Speaker 1: is looking over being like, oh my gosh, they have

960
00:46:22,719 --> 00:46:25,720
Speaker 1: it so easy, Like I can't believe they're debt free,

961
00:46:25,880 --> 00:46:28,600
Speaker 1: or I can't believe they're in a loving relationship, or

962
00:46:29,000 --> 00:46:30,759
Speaker 1: you know what, I can't believe they get to live

963
00:46:30,800 --> 00:46:35,000
Speaker 1: in Australia like we live in such a privileged location

964
00:46:35,520 --> 00:46:38,960
Speaker 1: that sometimes we just don't see the reality of our

965
00:46:39,000 --> 00:46:42,239
Speaker 1: own situations. But George, maybe we leave it there.

966
00:46:42,280 --> 00:46:44,480
Speaker 3: Maybe we leave it there A cracking epp for the

967
00:46:44,520 --> 00:46:47,800
Speaker 3: first the first deep dive of twenty twenty two. My friend,

968
00:46:47,840 --> 00:46:49,279
Speaker 3: we've done it.

969
00:46:49,520 --> 00:46:52,239
Speaker 1: So grateful to be back, so grateful to have you,

970
00:46:52,440 --> 00:46:56,080
Speaker 1: and genuinely cannot wait for another year of She's on

971
00:46:56,120 --> 00:46:56,560
Speaker 1: the Money.

972
00:46:56,920 --> 00:46:58,520
Speaker 4: Me me either.

973
00:46:58,760 --> 00:47:01,480
Speaker 1: All right, Well, that is all we have time for today.

974
00:47:01,560 --> 00:47:04,320
Speaker 1: So just before we head off, we'd like to acknowledge

975
00:47:04,360 --> 00:47:08,520
Speaker 1: and pay respect to Australia's Aboriginal and torrest Rate islander people's.

976
00:47:08,840 --> 00:47:12,200
Speaker 1: They're the traditional custodians of the lands, the waterways and

977
00:47:12,239 --> 00:47:15,880
Speaker 1: the skies all across Australia. We thank you for sharing

978
00:47:15,960 --> 00:47:18,239
Speaker 1: and for curing for the land on which we are

979
00:47:18,320 --> 00:47:21,920
Speaker 1: able to learn. We pay respect to elders past and present,

980
00:47:22,000 --> 00:47:24,640
Speaker 1: and we share our friendship and our kindness.

981
00:47:24,680 --> 00:47:27,560
Speaker 3: And remember, friends, that the advice shared on She's on

982
00:47:27,600 --> 00:47:30,520
Speaker 3: the Money is general in nature and does not consider

983
00:47:30,680 --> 00:47:34,520
Speaker 3: your individual's circumstances. She's on the Money exists purely for

984
00:47:34,640 --> 00:47:37,520
Speaker 3: educational purposes and should not be relied upon to make

985
00:47:37,560 --> 00:47:39,799
Speaker 3: an investment or a financial.

986
00:47:39,320 --> 00:47:41,160
Speaker 4: Decision and we promise.

987
00:47:41,280 --> 00:47:45,480
Speaker 3: Victoria Divine is an authorized representative of Australia Pacific Funds

988
00:47:45,480 --> 00:47:49,440
Speaker 3: Management Proprietary Limited ABN three four one three two four

989
00:47:49,520 --> 00:47:52,279
Speaker 3: six three two five seven AFOSL three three nine one

990
00:47:52,360 --> 00:47:52,959
Speaker 3: five point one.

991
00:47:53,560 --> 00:48:01,480
Speaker 1: See see you next week. Bye to