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Speaker 1: Hi, and welcome to the Rise and Conquer Podcast. I'm

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Speaker 1: your host, Georgie Stevenson. I am a lawyer and health coach,

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Speaker 1: social media influencer, wife and dog mum. On the Rise

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Speaker 1: and Conquer Podcast, we dive deep into all things mindset, habits, career, health,

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Speaker 1: relationships and more. This is a podcast for women who

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Speaker 1: want to rise up to be the best version of themselves,

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Speaker 1: who have big dreams in who are willing to put

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Speaker 1: in the work to get there. I want to bring

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Speaker 1: you the tools and actionable steps to feel confident in yourself,

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Speaker 1: inspired to take bold action, and motivated to conquer your goals.

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Speaker 1: Are you with me, girl friends, Let's rise and conquer.

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Speaker 2: Hi, guys, and welcome back.

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Speaker 1: To the Rise and Conquer Podcasts. Today we are chatting

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Speaker 1: about one of my favorite topics and it is money, budgeting,

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Speaker 1: money saving hacks, investments, all that sort of stuff. I

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Speaker 1: personally love talking about this topic because not a lot

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Speaker 1: of people do, and I think it's something really important.

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Speaker 1: To feel financially secure is something that I think is

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Speaker 1: very important, especially as women, So I'm very excited for

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Speaker 1: this interview. It is with Chloe Crane, who's better known

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Speaker 1: as Deeper than Money on Instagram. Chloe is a twenty

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Speaker 1: three year old millennial money coach, So basically she helps

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Speaker 1: millennials pay off debt and actually get ahead with their finances,

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Speaker 1: which I love. After paying off over thirty six thousand

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Speaker 1: of debt in eighteen months and seeing how it really

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Speaker 1: transformed her life, Chloe decided she wanted to show other

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Speaker 1: twenty somethings how they can do the same and create

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Speaker 1: financial stability for themselves. So her mission is very much

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Speaker 1: about making finances fun and easy for us twenty somethings

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Speaker 1: and to prove that you can actually enjoy your adulthood

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Speaker 1: and still get ahead with money. So today we chat

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Speaker 1: about money stories and how we can change them, which I.

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Speaker 2: Think is a very important topic.

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Speaker 1: We chat about her best budgeting tips for millennials and

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Speaker 1: the easiest way to get out of debt fast. I

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Speaker 1: just know you are gonna love this chat and I

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Speaker 1: cannot wait to share Chloe with you.

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Speaker 2: Let's get straight into it, Hi, Chloe, Welcome to the show.

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Speaker 2: Oh my gosh, I'm so excited to be here today.

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Speaker 2: Thank you so much for having me.

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Speaker 1: Of course, I like I'm obsessed with your energy this morning.

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Speaker 2: As soon as we spoke.

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Speaker 1: You just put me on a higher vibration, like, oh

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Speaker 1: my gosh, I'm really excited for this.

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Speaker 2: This is gonna be amazing.

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Speaker 1: But as this is the Rise and Conquer podcast, I

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Speaker 1: obviously have to ask you, what is one thing, be

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Speaker 1: or small that you are rising up and conquering this week?

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Speaker 2: I love that question, and it's actually podcasting. I just

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Speaker 2: started a podcast, and so I've been doing podcast interviews

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Speaker 2: for a long time, but I just started my own podcast,

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Speaker 2: so all things podcasting has just been like my main

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Speaker 2: focus this week, which I've been so obsessed with. So

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Speaker 2: that's what I'm I'm conquering this week.

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Speaker 1: That's amazing and you're absolutely going to love it.

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Speaker 2: Everyone.

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Speaker 1: Check out Chloe's new podcast. I actually checked it out

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Speaker 1: when I was doing these questions and listened and it's amazing.

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Speaker 1: So I'll make sure I leave the links and all

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Speaker 1: that good stuff in the show notes and we'll talk

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Speaker 1: about it at the end. But congratulations, is it not

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Speaker 1: like the best feeling? It is?

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Speaker 2: It's thank you so much, And it's so fun because

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Speaker 2: it feels like you just get to sit and chat

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Speaker 2: with your audience, like it feels like you're really talking

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Speaker 2: to them instead of having to squeeze in everything you want,

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Speaker 2: say in a fifteen second Instagram story. So I'm obsessed

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Speaker 2: with it.

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Speaker 1: I know, it's like my favorite platform. Like I guess

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Speaker 1: it's not really a social media platform, but it's just

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Speaker 1: my favorite platform over everything just because of the format.

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Speaker 2: It's amazing. I'm totally with you, and I would have

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Speaker 2: never thought anything could top Instagram in my heart, and

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Speaker 2: podcasting already has, so I'm loving it.

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Speaker 1: It's crazy and it just gets better. So for those

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Speaker 1: who don't know who you are, I've obviously done a

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Speaker 1: little intro at the start, but can you introduce yourself

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Speaker 1: to the RNC gang.

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Speaker 2: Yes, absolutely so. My name's Chloe. I am a millennial

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Speaker 2: money coach and it is my absolute mission to teach

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Speaker 2: you that finances can be fun and easy. There's so

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Speaker 2: much stigma and ickiness around money and finances and debt

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Speaker 2: and all of these different things that some we want

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Speaker 2: to ignore it and not think about it because it's

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Speaker 2: boring or confusing. And I'm here to tell you that

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Speaker 2: finances can be so fun, so easy, and taking care

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Speaker 2: and taking control of your finances can totally completely change

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Speaker 2: your life. So for me, I definitely have not always

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Speaker 2: felt this way. I used to be. I was a

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Speaker 2: normal college student, very much in debt, very much ignoring

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Speaker 2: my bank account and everything related to money, and I

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Speaker 2: paid the consequences. I was always so frustrated about money,

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Speaker 2: always blaming everyone else for my finances, blaming why didn't

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Speaker 2: my parents pay for my college and why did my

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Speaker 2: friends like have these better paying jobs or every whatever.

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Speaker 2: It's always everyone else's fault and not mine. And finally

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Speaker 2: I had this moment where I was like, I can't

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Speaker 2: keep this up. I have to start investing in figuring

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Speaker 2: out what it is that's keeping me so broken unhappy.

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Speaker 2: And when I did that, I finally figured out like

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Speaker 2: this incredible process of how to win at millennial finances.

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Speaker 2: And when that happened for me and I ended up

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Speaker 2: paying off all my student loans, all my debt, and

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Speaker 2: everything transformed for me, Everything in my life transformed. And

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Speaker 2: when I could do that, I was like, Oh my gosh,

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Speaker 2: Like I am a normal girl, and if I can

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Speaker 2: do that, I can show anybody else how to do that.

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Speaker 2: So now it's my mission to teach everyone else that

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Speaker 2: they can one billion percent have financial freedom.

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Speaker 1: When did your interests obviously you had just said that

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Speaker 1: it came from a place or a negative place. But

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Speaker 1: when did you realize that you did have this big

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Speaker 1: interest in your money and being money smart and all

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Speaker 1: that sort of stuff.

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Speaker 2: Yeah, So I had always told myself that I was

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Speaker 2: just bad with money. That was the story that I

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Speaker 2: always told myself. I'm just I'm not good at math,

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Speaker 2: or I'm not good with money, I'm not good with finances.

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Speaker 2: That stuff's just too confusing and too over my head.

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Speaker 2: And because I told myself that story over and over,

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Speaker 2: there was never anything leading me to do anything about

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Speaker 2: my finances because if those things were true, if I

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Speaker 2: was bad at money, why would I ever take actionable

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Speaker 2: steps to be good with money? So when I started questioning,

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Speaker 2: is that story true? Is it true that I am

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Speaker 2: bad with money? Like? Who told me that? Does that

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Speaker 2: have to be a truth or can I choose a

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Speaker 2: different story for myself? And when I saw that happen,

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Speaker 2: when I decided, Okay, I'm going to drink the kool aid,

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Speaker 2: I'm gonna try it out. I'm going to try to

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Speaker 2: do this whole financing and I could do it. And

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Speaker 2: that's kind of when I became on fire for finances

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Speaker 2: is when I realized that I wasn't bad at finances.

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Speaker 2: I just ignored my finances because I told myself that

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Speaker 2: I would never be good at doing it. So that's

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Speaker 2: really when my interest in this whole money thing happened.

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Speaker 1: Amazing, And so you just touched on your money story.

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Speaker 1: This is something that I had to go through a

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Speaker 1: whole process of realizing I actually had a money story

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Speaker 1: and kind of reprogramming mine. Can you explain to the

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Speaker 1: audience what is a money story and how we can

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Speaker 1: actually change that for the better.

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Speaker 2: So your money beliefs, your beliefs surrounding money, are most

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Speaker 2: of the time solidified by seven or eight years old.

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Speaker 2: And if you can think back to being seven or eight,

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Speaker 2: you probably believed a lot of things that weren't true.

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Speaker 2: Like I probably thought the earth was flat when I

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Speaker 2: was seven years old, and I probably like still picked

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Speaker 2: my nose and watched Lion King. And I've definitely changed

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Speaker 2: into a different person since I was seven or eight

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Speaker 2: years old. But a lot of our money beliefs stay

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Speaker 2: the same. So to make it more simple, I'll give

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Speaker 2: you an example. If you saw mom and dad when

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Speaker 2: you were seven or eight, you saw Mom and dad

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Speaker 2: fight about money. You might have come up with this

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Speaker 2: belief that if you talk about money in relationships that

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Speaker 2: you're going to have a fight. And even if let's

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Speaker 2: say mom and dad were having an argument and after

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Speaker 2: they moved past it and their relationship got stronger, it

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Speaker 2: doesn't matter what the truth is. It matters the belief

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Speaker 2: that you had based on the situation in your own eyes.

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Speaker 2: So now fast forward to let's say you're in your

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Speaker 2: twenties or thirties, and let's say you're in a relationship,

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Speaker 2: and you will not talk about finances. You will not

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Speaker 2: bring it up, and that's because you have this internal belief,

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Speaker 2: this subconscious belief, since you were a little baby, since

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Speaker 2: you were a little kiddo, that talking about money leads

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Speaker 2: to fights, and so you subconsciously ignore it as an adult.

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Speaker 2: And so when we can look back and think, what

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Speaker 2: have been our money beliefs as a kid, and how

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Speaker 2: have those continued to show up in my life? That's

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Speaker 2: our story with money, and a lot of times it's

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Speaker 2: hard to be like, huh, what did I believe as

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Speaker 2: an eight year old? You know, it's tough to It's

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Speaker 2: like I can't even remember what I had for breakfast

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Speaker 2: this morning. It's like, how am I supposed to remember

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Speaker 2: what I was thinking as an eight year old? But

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Speaker 2: if you can just come up with stories or kind

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Speaker 2: of like themes that popped up with money for you

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Speaker 2: throughout your life, then you can start to identify the

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Speaker 2: beliefs behind that. So for me, as an example, the

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Speaker 2: theme that showed up in my money story over and

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Speaker 2: over was that I worked hard but had nothing to

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Speaker 2: show for it. I always, even at like fourteen, I

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Speaker 2: had jobs, Like, I was always working and would have

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Speaker 2: nothing in my bank account. I would spend it. I

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Speaker 2: would like waste it on other things, you know, random things.

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Speaker 2: And so no matter how hard I worked, I had

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Speaker 2: no money. And if I could trace that back to

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Speaker 2: my childhood and to the beliefs that I that I learned,

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Speaker 2: I would probably say that I watched my parents, who

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Speaker 2: are such hard working people. I mean, they're absolutely incredible.

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Speaker 2: They instilled such amazing work ethic in me. However, I

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Speaker 2: would hear them talk about like, oh, money's tight, or

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Speaker 2: we you know, we can't do this, or we can't

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Speaker 2: do this, and so in my head I learned that, Okay,

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Speaker 2: they're working really hard, but money's still tight, so you know,

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Speaker 2: work hard, no money, work hard, no money, And then

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Speaker 2: that theme showed up in my life. And so once

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Speaker 2: you can identify what your money story is, then you

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Speaker 2: can ask yourself, is that what I want for the

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Speaker 2: rest of my life or do I want to choose

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Speaker 2: a different story.

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Speaker 1: I absolutely love that, and I just want to quickly

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Speaker 1: butt in here and kind of give another example of

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Speaker 1: my money story, so very similar to Yule's in Regd's

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Speaker 1: of my parents worked extremely hard, And I guess it's

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Speaker 1: a little bit different though, because my parents worked extremely

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Speaker 1: hard and they they did quite well with money, but

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Speaker 1: they did come from a very low income background. So

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Speaker 1: when they did make money, it was almost like, oh,

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Speaker 1: this is very precious, Like, you know, it's taken so

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Speaker 1: much time and hard work. We have to, you know,

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Speaker 1: make sure we have heaps saved for if this doesn't

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Speaker 1: happen again. So my money story was you work extremely

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Speaker 1: hard to have money, but then you have to save

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Speaker 1: it really well because you don't know when it's you know,

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Speaker 1: going to come back or if it's all going to go.

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Speaker 2: Yes, Wow, that's so cool, that's so sinking, Poli. I'm

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Speaker 2: so happy you share that. What's really awesome is that

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Speaker 2: you can identify that very similar situations you could have

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Speaker 2: someone maybe you're less right now to this podcast and

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Speaker 2: you're thinking, wow, that's crazy. I had a very similar

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Speaker 2: situation to Georgie or to Chloe, but my belief of

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Speaker 2: that situation was totally different. And that's normal, Like, that's normal.

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Speaker 2: So it's not just about what happened, it's what you

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Speaker 2: believed at that time to be true about that situation.

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Speaker 2: So wow, that's so cool. And for you, the really

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Speaker 2: neat thing is that you can identify that even that

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Speaker 2: belief and I think we're maybe going to talk about

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Speaker 2: this a little bit later, but even that belief of Okay,

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Speaker 2: we have money, we have to hold on to it

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Speaker 2: so tightly or it will disappear is coming from a

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Speaker 2: place of scarcity too, just like my story of you

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Speaker 2: have to work hard but then at the end of

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Speaker 2: the day have.

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Speaker 1: No money exactly. And that's the sort of reprogramming that

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Speaker 1: I had to do with my money mindset, because I

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Speaker 1: did believe, you know, you work hard and you could

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Speaker 1: get money, but I was very much in this scarcity

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Speaker 1: mindset where I felt very scared that any money that

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Speaker 1: I got would just leave me, and I had to

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Speaker 1: reprogram my brain completely. And it's funny because often these

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Speaker 1: beliefs rear their head up like again, but I've got

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Speaker 1: to almost reassure myself and redo the work and be

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Speaker 1: like no, like, don't go back to that old belief.

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Speaker 1: It feels so comfortable, but like you've got new beliefs now,

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Speaker 1: So actually, let's just get straight into it. Because I

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Speaker 1: absolutely love money mindset and money believes. So how can

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Speaker 1: someone if they do, you know, have this belief? And

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Speaker 1: I guess, like you said, the first thing is being

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Speaker 1: aware that you actually have this belief, because most people

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Speaker 1: don't see it as that's their belief. They see it

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Speaker 1: as fact. Is that kind of true?

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Speaker 2: Oh? Absolutely? The biggest thing that people struggle with is

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Speaker 2: to understand that they don't see things as the truth.

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Speaker 2: They see things through their perspective. And when we can

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Speaker 2: understand that, we can realize that all of our thoughts

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Speaker 2: are choices. And at least when I first heard of

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Speaker 2: this idea, I was like upset. I'm like, my ego

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Speaker 2: was crying. My ego was like, what are you talking about?

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Speaker 2: Like my thoughts are facts, Like these are all real

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Speaker 2: things that are true and the biggest thing. Like, the

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Speaker 2: best example of this is choosing a thought is the

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Speaker 2: exact same amount of work. So if there's the first

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Speaker 2: thought is I will always be broke, it's the exact

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Speaker 2: same choice to choose that versus choosing the thought I'm

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Speaker 2: a millionaire and money comes to me easily. Both of

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Speaker 2: those are choices. You can choose to think either one. However,

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Speaker 2: whichever one you think will have consequences in your actions

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Speaker 2: and therefore your results. And I think that the biggest

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Speaker 2: thing that people struggle with is they're listening to this

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Speaker 2: and at least this was me when I first started

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Speaker 2: this whole personal development thing. I'm like, Okay, I hear

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Speaker 2: you say that, and that makes sense. But how am

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Speaker 2: I supposed to just change my thoughts? And the best

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Speaker 2: way is exactly what you were saying. Those thoughts will

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Speaker 2: still pop up, the thought that's oh my gosh, I'm

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Speaker 2: so broke or oh my gosh, like help me, I'm poor.

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Speaker 2: You know that thought will still pop up. But when

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Speaker 2: it does, instead of just unconsciously being like yep, that's true,

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Speaker 2: boom onto the next thing, stop yourself and say, wait

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Speaker 2: a second, is that the thought that I want to

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Speaker 2: choose or do I want to choose a different thought.

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Speaker 2: And the more you do that, the more that that

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Speaker 2: new thought becomes your automatic thought, like the place that

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Speaker 2: your mind automatically goes to. And I know that you

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Speaker 2: are like the que just dog mom ever, and I

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Speaker 2: just got a puppy, so I'm like dog mom status.

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Speaker 2: I think it's absolutely the best thing that has ever

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Speaker 2: happened to me in my whole life. Not to be dramatic,

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Speaker 2: but it's true. But but when you're puppy, when you're

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Speaker 2: training your puppy to like you're potty training your puppy,

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Speaker 2: the best thing to do is if they start to

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Speaker 2: pee inside is to like no, like come on, we're

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Speaker 2: gonna go outside, like stop them peeing, like catch them peeing,

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Speaker 2: and then say no, no, no, no, no, we're gonna

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Speaker 2: go outside. Because if you if they pee and then

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Speaker 2: you don't see it for two hours, they're not gonna

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Speaker 2: remember like, oh yeah, oops ie peed. You know, it's

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Speaker 2: it's a lot harder to train them on. And it's

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Speaker 2: the same thing with our thoughts. If we can catch

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Speaker 2: the dog peeing while it's happening, if we can catch

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Speaker 2: ourselves with that thought of oh my gosh, I just

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Speaker 2: thought that I'm gonna choose another thought instead. Like same

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Speaker 2: with the dog, don't pee inside. We're gonna choose to

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Speaker 2: pee outside. Once we can do that, then the dog learns, oh,

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Speaker 2: I choose to pee outside, I'm gonna wait, I'm not

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Speaker 2: going to go to the bathroom inside. Same thing with

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Speaker 2: the thought we stop just automatically peeing inside because we

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Speaker 2: learn oh, like, I'm going to choose that other thought

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Speaker 2: because I want that other result. I want the like

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Speaker 2: treat that the dog gets we're going outside or whatever.

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Speaker 2: So it's just like that. It's it's understanding what thoughts

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Speaker 2: you're thinking, which a lot of times is your language,

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Speaker 2: and then saying Nope, I'm going to choose a different thought.

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Speaker 2: I'm going to choose a different language because I know

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Speaker 2: that that's going to get me a different result.

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Speaker 1: Can you give an example of how someone can change

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Speaker 1: that thought, change their language in that moment, to change

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Speaker 1: their money mindset?

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Speaker 2: Yes, absolutely.

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Speaker 1: So.

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Speaker 2: The big thing is that a lot of times we

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Speaker 2: don't realize our language, we don't realize how often we

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Speaker 2: talk poorly about money. So the best way to do

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Speaker 2: this is to ask the person that you talk to most.

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Speaker 2: So if it's your boyfriend or your girlfriend, or your

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Speaker 2: best friend or your sister mom, ask them, hey, how

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Speaker 2: do I talk about money? Because they will tell you.

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Speaker 2: They will say, girl, you're always complaining about money. You're

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Speaker 2: always saying that you're broke. You're always talking, you know,

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Speaker 2: badly about our friend from high school who just bought

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Speaker 2: an expensive purse. And so it's like when we can understand,

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Speaker 2: oh my gosh, so you notice how I talk. I

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Speaker 2: need to be more conscious of the way I'm speaking.

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Speaker 2: That helps us realize what we're actually saying and what

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Speaker 2: we're putting into motion, which helps us identify what our

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Speaker 2: beliefs are about money. So I talk about this a lot.

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Speaker 2: This is like one of my foundational things. And it's

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Speaker 2: called b tfaar. Have you have you heard of that? No? No, okay,

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Speaker 2: Oh I think you'll love this. So it's b tfar

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Speaker 2: which is belief, thought, feeling, action result. So it starts

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Speaker 2: with the belief. And once you have that belief of

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Speaker 2: let's say your belief is I will never get ahead

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Speaker 2: with money, like I'll never be well off with money.

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Speaker 2: So that's a be belief. The next is the thought.

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Speaker 2: So what are the thoughts that you're thinking based on

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Speaker 2: this belief, you think, oh this, you know, I'm so broke.

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Speaker 2: I can never have nice things. I'll never be able

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Speaker 2: to afford that. So how does that make you feel?

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Speaker 2: You feel icky about money. You feel weird when people

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Speaker 2: try to pay you money because you don't feel like

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Speaker 2: you're deserving or receiving it. You feel mad when you

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Speaker 2: see other people have nice things because you don't think

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Speaker 2: you'll ever have them. So because you feel that way,

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Speaker 2: what are your actions? Maybe you don't look at your

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Speaker 2: accounts because you want to ignore them. Maybe you don't

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Speaker 2: even try to save because what's the point. Money always

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Speaker 2: leaves anyway. So because of those actions, what are your results?

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Speaker 2: Your results are that you don't get ahead with money,

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Speaker 2: and then that result reinforces the belief. So it's like

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Speaker 2: this whole trickling down thing where it's like belief, thought, feeling, action, result.

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Speaker 2: So it all starts at our belief. But sometimes the

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Speaker 2: beliefs are hard to pinpoint, so it's easy to start

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Speaker 2: with our thoughts and then understand this train and say, wow,

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Speaker 2: I need to break that cycle. Because when I break

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Speaker 2: that cycle and I can get that new result, that

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Speaker 2: new result will reinforce this new belief of like, hey,

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Speaker 2: actually financial freedom is possible for me.

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Speaker 1: That is amazing, and you're totally right. I'm obsessed with that.

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Speaker 1: I wrote that down.

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Speaker 2: I love it. And you can use that philosophy for anything.

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Speaker 2: You can use it for health and fitness, you can

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Speaker 2: use it for anything. It's so empowering. I'm obsessed with it.

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Speaker 2: I talk about it all the time. I'm like, I

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Speaker 2: might as well get a tattoo of it somewhere on

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Speaker 2: my body because.

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Speaker 1: I love it. I absolutely love that, and it is

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Speaker 1: so true. And it's funny because I was actually having

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Speaker 1: this conversation. I'm just going to go off on a

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Speaker 1: bit of its edge in Yu because he as a human.

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Speaker 1: But I was having this conversation with a friend and

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Speaker 1: she said to me, I would hate to be like

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Speaker 1: really wealthy. And I was like, what, Like, what are

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Speaker 1: you talking about? And she was like, you know, I

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Speaker 1: would hate to be really wealthy. It just seems like

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Speaker 1: it comes with all these problems and it seems like,

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Speaker 1: you know, they can't relate to normal people. And she

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Speaker 1: was explaining it, and all I was thinking is like

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Speaker 1: she had really set these beliefs in motion and it's

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Speaker 1: like she thought it was fact. And I thought to myself,

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Speaker 1: it's no wonder that she felt like she could never

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Speaker 1: get ahead, that she could never save is because she

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Speaker 1: had these beliefs that, like, really to her core, she

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Speaker 1: felt them, she believed in them. And so it's so

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Speaker 1: funny that you can then switch that around and you

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Speaker 1: completely transform your money circumstances. And so personally, before we

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Speaker 1: recorded this episode, me and Chloe were talking about the

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Speaker 1: best book ever, which is How to Be a Badass

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Speaker 1: at Making Money by Jen Cincro. And in that book,

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Speaker 1: I remember she would give us like money mindset mantras,

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Speaker 1: and I was wondering, do you have any mantras that

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Speaker 1: you go to that you help people with that can

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Speaker 1: kind of help in these situations?

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Speaker 2: Oh my gosh, all the time you that conversation is

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Speaker 2: so cool that you were talking about you and your friend.

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Speaker 2: And it's so funny because once you're aware of money mindset,

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Speaker 2: it's like every conversation you have, you're thinking, like, man,

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Speaker 2: I wonder what her inner childhood scars are that helped her,

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Speaker 2: like that led her to this place of believing this.

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Speaker 2: You know, It's like I always think that, And it

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Speaker 2: also like the crazy thing is for that your friend

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Speaker 2: that you are talking to, And I think a lot

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Speaker 2: of people relate to that. I think a lot of

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Speaker 2: people have so much weird feeling about being wealthy that

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Speaker 2: it stops them from attracting money, which is what they

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Speaker 2: say they want. So it's like this weird thing. And

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Speaker 2: if that's you question that, like, ask yourself, is it

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Speaker 2: true that all people who are wealthy have all these

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Speaker 2: problems or they're greedy, or they're rude or whatever it

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Speaker 2: is you feel that stigma to be true about wealthy people?

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Speaker 2: Ask yourself, is there an exception to the rule? Can

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Speaker 2: I think of someone who is super wealthy and doing

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Speaker 2: incredible things in the world, Like I just like thought

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Speaker 2: of like Ellen DeGeneres, but she is Yeah, I don't

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Speaker 2: know why that was the first person I thought of,

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Speaker 2: but I do love her. But she is super wealthy

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Speaker 2: and doing incredible things in the world. And so if

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Speaker 2: we change that story to be what if I became

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Speaker 2: so wealthy and because I'm such a good person with

432
00:25:02,440 --> 00:25:05,399
Speaker 2: a good heart, I go and transform the world. I

433
00:25:05,520 --> 00:25:08,360
Speaker 2: go and donate to my community, I go and help

434
00:25:08,400 --> 00:25:11,320
Speaker 2: my family, Like what if that was the truth about

435
00:25:11,359 --> 00:25:15,000
Speaker 2: being wealthy. How would that change your perspective of money?

436
00:25:15,040 --> 00:25:18,240
Speaker 2: It would totally transform it. But that was just that

437
00:25:18,359 --> 00:25:19,840
Speaker 2: was just a tangent had to share.

438
00:25:21,080 --> 00:25:24,680
Speaker 1: It's funny you said that, because that's exactly what I said,

439
00:25:24,800 --> 00:25:27,840
Speaker 1: and I like explained to my friend. I was like,

440
00:25:28,840 --> 00:25:31,679
Speaker 1: I think what you're missing is, you know, when we

441
00:25:31,800 --> 00:25:35,800
Speaker 1: do have more money, that means more resources, and like

442
00:25:36,240 --> 00:25:39,840
Speaker 1: most people are good people, and the more resources they have,

443
00:25:40,080 --> 00:25:41,400
Speaker 1: the more they.

444
00:25:41,200 --> 00:25:42,320
Speaker 2: Can give back.

445
00:25:42,359 --> 00:25:44,359
Speaker 1: And so I kind of did a little example with

446
00:25:44,400 --> 00:25:47,840
Speaker 1: her and I was like, for example, this podcast when

447
00:25:47,880 --> 00:25:50,520
Speaker 1: I started it, I obviously started it with all my

448
00:25:50,640 --> 00:25:53,719
Speaker 1: own funds and I didn't have anyone backing me. It

449
00:25:53,760 --> 00:26:00,000
Speaker 1: was completely independent. And like the messages and the fear

450
00:26:00,000 --> 00:26:02,320
Speaker 1: feedback that I get from this podcast of how it

451
00:26:02,400 --> 00:26:05,919
Speaker 1: has helped women, and it's a completely free resource that

452
00:26:06,119 --> 00:26:10,159
Speaker 1: I could put out because I did have the resources

453
00:26:10,200 --> 00:26:12,760
Speaker 1: to do that. And so I kind of said that

454
00:26:12,760 --> 00:26:15,119
Speaker 1: that way. And that's obviously on a very kind of

455
00:26:15,200 --> 00:26:18,639
Speaker 1: low scale. I'm not you know this extreme Oh my god, person,

456
00:26:18,800 --> 00:26:19,440
Speaker 1: yes you are.

457
00:26:19,760 --> 00:26:23,720
Speaker 2: Don't even that's a big scale, Like you're changing lives,

458
00:26:23,760 --> 00:26:24,960
Speaker 2: that's huge.

459
00:26:25,320 --> 00:26:26,879
Speaker 1: And yeah, and so I kind of said that, and

460
00:26:26,920 --> 00:26:29,879
Speaker 1: it's kind of like she was like, yeah, like hadn't

461
00:26:29,920 --> 00:26:32,520
Speaker 1: thought of it that way. So it's really about, like

462
00:26:32,560 --> 00:26:35,359
Speaker 1: you said, like questioning those thoughts and being like, but

463
00:26:35,520 --> 00:26:38,680
Speaker 1: wait a minute. You know people can do amazing things

464
00:26:38,680 --> 00:26:41,080
Speaker 1: if they do have money exactly.

465
00:26:41,240 --> 00:26:44,159
Speaker 2: And if you know someone or if you have this

466
00:26:44,280 --> 00:26:48,879
Speaker 2: idea of someone that is very wealthy and they maybe

467
00:26:49,000 --> 00:26:52,480
Speaker 2: don't do great things in your eyes with money, okay,

468
00:26:52,640 --> 00:26:55,239
Speaker 2: you if you were wealthy, you could go out and

469
00:26:55,280 --> 00:26:58,000
Speaker 2: do great things. And so, just like you were saying,

470
00:26:58,000 --> 00:27:01,880
Speaker 2: my favorite example is, okay, think of your favorite charity.

471
00:27:02,200 --> 00:27:05,440
Speaker 2: If you are broke or you're living paycheck to paycheck,

472
00:27:05,720 --> 00:27:08,040
Speaker 2: how much can you do for your favorite local charity.

473
00:27:08,119 --> 00:27:11,160
Speaker 2: Let's say a rescue dog shelter. How much can you do?

474
00:27:11,640 --> 00:27:14,560
Speaker 2: Maybe you can volunteer a couple hours a week, or

475
00:27:14,600 --> 00:27:16,680
Speaker 2: maybe you can donate a bag of dog food, which

476
00:27:16,720 --> 00:27:19,960
Speaker 2: I'm not like dissing at all. It's amazing. If that's

477
00:27:19,960 --> 00:27:22,719
Speaker 2: where you're at, kudos to you for doing that and

478
00:27:22,760 --> 00:27:25,800
Speaker 2: for putting in that work. But here's the thing. If

479
00:27:25,840 --> 00:27:28,520
Speaker 2: you're a millionaire and you're not broke, and you're not

480
00:27:28,640 --> 00:27:31,439
Speaker 2: living paycheck to paycheck, then what can you do for

481
00:27:31,520 --> 00:27:35,800
Speaker 2: that shelter, you can hire more staff, you can buy

482
00:27:35,920 --> 00:27:38,040
Speaker 2: all the food for the next year, you can open

483
00:27:38,119 --> 00:27:41,440
Speaker 2: up another shelter. And so, just like you said, the

484
00:27:41,440 --> 00:27:44,399
Speaker 2: more money that you have, the more good that you

485
00:27:44,440 --> 00:27:47,560
Speaker 2: can do. And so I tell my clients not only

486
00:27:47,600 --> 00:27:50,640
Speaker 2: do I want you to want more money, I think

487
00:27:50,680 --> 00:27:54,080
Speaker 2: it's your duty to want more money and to go

488
00:27:54,119 --> 00:27:56,560
Speaker 2: out and get it and to financially plan for it.

489
00:27:56,640 --> 00:28:00,600
Speaker 2: Because when you're in survival mode, when you're my only

490
00:28:00,720 --> 00:28:03,960
Speaker 2: thought about money is how can I get my next meal?

491
00:28:04,160 --> 00:28:08,480
Speaker 2: How can I afford to buy groceries this month? You're

492
00:28:08,520 --> 00:28:11,919
Speaker 2: not thinking outwardly. You're not thinking how can I go

493
00:28:12,040 --> 00:28:14,840
Speaker 2: donate a million dollars. You're just trying to like make

494
00:28:14,880 --> 00:28:18,120
Speaker 2: it through the week. And so when you have more

495
00:28:18,240 --> 00:28:22,600
Speaker 2: money and when you have more resources, it overflows and

496
00:28:22,840 --> 00:28:26,960
Speaker 2: everyone wins. Everyone else wins too. So I'm like, big on,

497
00:28:27,200 --> 00:28:30,120
Speaker 2: like it's your duty, girlfriend, Like, go get it.

498
00:28:32,359 --> 00:28:35,800
Speaker 1: Before we continue, I'm quickly interrupting this podcast to proudly

499
00:28:35,960 --> 00:28:40,400
Speaker 1: introduce this week's episode sponsor, Naked Harvest Supplements. As you

500
00:28:40,480 --> 00:28:43,960
Speaker 1: may already know, Naked Harvest is a natural supplement company

501
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502
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503
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504
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505
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506
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507
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508
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509
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510
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512
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513
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515
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516
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517
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521
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522
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523
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524
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Speaker 1: follow us on Instagram at Naked Harvest Supplements and I'll

525
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Speaker 1: make sure I put all the links in the show notes. Okay,

526
00:30:17,920 --> 00:30:22,040
Speaker 1: now let's get straight back into the episode. Can you

527
00:30:22,240 --> 00:30:25,800
Speaker 1: tell the audience some really quick and simple money mantras

528
00:30:26,000 --> 00:30:28,560
Speaker 1: that they can say, you know, when they are feeling

529
00:30:28,640 --> 00:30:31,560
Speaker 1: this resistance to wanting money.

530
00:30:32,160 --> 00:30:35,880
Speaker 2: Absolutely, so. The biggest thing is that you want to

531
00:30:36,000 --> 00:30:40,520
Speaker 2: find a money mantra that stirs up some emotion in you.

532
00:30:41,240 --> 00:30:45,720
Speaker 2: When I first understood money mantras and affirmations, I would

533
00:30:46,080 --> 00:30:50,360
Speaker 2: google like money mindset affirmations, and some of the things

534
00:30:50,360 --> 00:30:54,440
Speaker 2: that would pop up would be very like I receive

535
00:30:54,640 --> 00:30:58,080
Speaker 2: an abundance the monetary gifts that are flowing to me

536
00:30:58,600 --> 00:31:02,080
Speaker 2: and for me that like I'm like, okay, I mean

537
00:31:02,120 --> 00:31:05,280
Speaker 2: that sounds cool, but that like you know, I like

538
00:31:05,360 --> 00:31:08,560
Speaker 2: listen to Beyonce and my car jumped up, like I

539
00:31:08,880 --> 00:31:11,600
Speaker 2: that didn't really like vibe with me, that didn't like

540
00:31:11,680 --> 00:31:15,600
Speaker 2: stir up this fire inside of me, And so I

541
00:31:15,640 --> 00:31:17,760
Speaker 2: went out and found other ones. Or I would just

542
00:31:17,840 --> 00:31:20,720
Speaker 2: say other things like this is the most simple one.

543
00:31:21,200 --> 00:31:23,800
Speaker 2: But I would oftentimes, and this is when I was

544
00:31:23,840 --> 00:31:26,800
Speaker 2: like very very broke, I would just say I'm so

545
00:31:27,080 --> 00:31:30,440
Speaker 2: thankful to be a millionaire over and over because the

546
00:31:30,480 --> 00:31:34,920
Speaker 2: word millionaire to me always kind of seemed crazy and impossible,

547
00:31:35,400 --> 00:31:37,120
Speaker 2: and so I would just say that over and over.

548
00:31:37,200 --> 00:31:41,080
Speaker 2: I'm so thankful to be a millionaire. I'm so thankful

549
00:31:41,320 --> 00:31:45,400
Speaker 2: that money flows to me, money comes to me so easily.

550
00:31:45,760 --> 00:31:50,480
Speaker 2: Money is always around me, Money is an infinite resource.

551
00:31:51,000 --> 00:31:54,240
Speaker 2: Things like that that are just simple because those are

552
00:31:54,280 --> 00:31:57,440
Speaker 2: the things that I would just say, and they didn't

553
00:31:57,480 --> 00:32:00,560
Speaker 2: feel like somebody else's words. They felt like my words.

554
00:32:00,880 --> 00:32:03,720
Speaker 2: So if you are someone who is like this is

555
00:32:03,760 --> 00:32:06,840
Speaker 2: so weird, like these woo woo girls they're just talking

556
00:32:06,880 --> 00:32:11,360
Speaker 2: about saying these crazy things, find something that sounds like

557
00:32:11,520 --> 00:32:15,360
Speaker 2: something you would say and repeat it. If you say,

558
00:32:15,600 --> 00:32:19,640
Speaker 2: like even just like I love money, like I desire

559
00:32:19,680 --> 00:32:22,800
Speaker 2: more money, I am so grateful for more money coming

560
00:32:22,840 --> 00:32:25,560
Speaker 2: my way. Whatever it is that you would say, say

561
00:32:25,600 --> 00:32:28,320
Speaker 2: it and say it over and over because when and

562
00:32:28,360 --> 00:32:31,240
Speaker 2: say it in a present tense. One of my favorite

563
00:32:31,320 --> 00:32:36,680
Speaker 2: quotes is what follows I am is what you will become.

564
00:32:37,360 --> 00:32:40,760
Speaker 2: So if you are always saying I am broke, I

565
00:32:40,800 --> 00:32:44,480
Speaker 2: am stupid, I'm fat, I am dumb, Like those are

566
00:32:44,520 --> 00:32:47,920
Speaker 2: the things that you're headed towards. If you're always saying

567
00:32:48,080 --> 00:32:51,920
Speaker 2: I am abundant, I am a millionaire, I am awesome,

568
00:32:52,360 --> 00:32:56,239
Speaker 2: I am a business owner, I am this whatever you

569
00:32:56,280 --> 00:32:59,200
Speaker 2: want to be if that's what you're saying, even if

570
00:32:59,240 --> 00:33:02,680
Speaker 2: it's not where you're at right now, it's what you're becoming.

571
00:33:03,280 --> 00:33:06,719
Speaker 2: And so really really really just focusing on words that

572
00:33:06,800 --> 00:33:09,520
Speaker 2: speak to you and light that fire in you that's

573
00:33:09,600 --> 00:33:12,880
Speaker 2: going to just absolutely be so impactful on your life.

574
00:33:13,720 --> 00:33:16,200
Speaker 1: Oh my gosh. When you were saying all those like,

575
00:33:16,320 --> 00:33:21,800
Speaker 1: I was like, yes, yeah, oh that is amazing. Thank you, Ky,

576
00:33:21,880 --> 00:33:23,840
Speaker 1: And I want to quickly jump in there and add

577
00:33:23,960 --> 00:33:27,520
Speaker 1: in mind because mine was very helpful. So, like I said,

578
00:33:27,800 --> 00:33:32,080
Speaker 1: my money story was very much that scarcity mindset. So

579
00:33:32,120 --> 00:33:35,680
Speaker 1: something that really helped me personally is when I would

580
00:33:35,720 --> 00:33:39,200
Speaker 1: spend money, you know, like getting groceries or buying something

581
00:33:39,320 --> 00:33:42,560
Speaker 1: or maybe even buying something that was quite expensive, I

582
00:33:42,600 --> 00:33:45,880
Speaker 1: would say to myself, there's more where that came from.

583
00:33:46,280 --> 00:33:49,200
Speaker 1: And that was like very helpful to me to be like,

584
00:33:49,600 --> 00:33:53,480
Speaker 1: don't be scared to spend money like you attract money.

585
00:33:53,520 --> 00:33:55,600
Speaker 1: There is more where that came from. And that was

586
00:33:55,680 --> 00:33:58,040
Speaker 1: something that I did for like a whole year and

587
00:33:58,080 --> 00:34:00,240
Speaker 1: it was like the best thing to get me out

588
00:34:00,240 --> 00:34:01,640
Speaker 1: of that scarcity mindset.

589
00:34:02,560 --> 00:34:06,200
Speaker 2: I love that one. It's and it's like I feel

590
00:34:06,200 --> 00:34:09,840
Speaker 2: the same way. It's like those simple ones that speak

591
00:34:09,920 --> 00:34:12,839
Speaker 2: to you that makes the biggest difference. I love that one.

592
00:34:12,880 --> 00:34:14,759
Speaker 2: I'm gonna start using that too. I love it.

593
00:34:15,120 --> 00:34:19,000
Speaker 1: Yeah, It's definitely all about finding something that resonates with

594
00:34:19,200 --> 00:34:21,440
Speaker 1: you and like what you want to work on. So

595
00:34:21,920 --> 00:34:24,640
Speaker 1: I love what you said about really finding like what

596
00:34:24,960 --> 00:34:28,560
Speaker 1: evokes a feeling in your like in your body when

597
00:34:28,600 --> 00:34:33,239
Speaker 1: you say it. Yes, absolutely, Okay, So I want to

598
00:34:33,280 --> 00:34:36,319
Speaker 1: switch gears. We've talked a lot about money mindset, like

599
00:34:36,440 --> 00:34:41,279
Speaker 1: my favorite topic, so that's why. But I want to

600
00:34:41,680 --> 00:34:47,160
Speaker 1: have a chat about some more logistical terms with money,

601
00:34:47,520 --> 00:34:52,800
Speaker 1: and I want to chat about budgeting and investments and

602
00:34:52,920 --> 00:34:56,360
Speaker 1: all that sort of stuff. So I know, at the moment,

603
00:34:57,280 --> 00:35:02,400
Speaker 1: millennials definitely feel like, especially in Australia, we get told

604
00:35:02,440 --> 00:35:05,640
Speaker 1: that you know, this is the hardest ever generation that

605
00:35:05,960 --> 00:35:08,759
Speaker 1: to afford a house and you know, things is so

606
00:35:08,880 --> 00:35:11,920
Speaker 1: expensive and it's so hard to actually save money because

607
00:35:11,920 --> 00:35:15,200
Speaker 1: things like cost so much. So I want to chat

608
00:35:15,239 --> 00:35:18,759
Speaker 1: about why do you think millennials struggle so much to

609
00:35:18,840 --> 00:35:23,399
Speaker 1: take control of their finances and what can we do

610
00:35:23,560 --> 00:35:25,480
Speaker 1: to feel more empowered.

611
00:35:26,600 --> 00:35:30,360
Speaker 2: I think that the biggest reason that millennials struggle so

612
00:35:30,520 --> 00:35:34,719
Speaker 2: much is because of the belief around what is possible

613
00:35:34,800 --> 00:35:37,960
Speaker 2: for millennials. Just like you said, I mean, you can

614
00:35:38,000 --> 00:35:43,160
Speaker 2: see articles everywhere about millennials with the biggest student loan

615
00:35:43,239 --> 00:35:47,400
Speaker 2: debt ever, like millennials can't afford to pay rent, like

616
00:35:47,480 --> 00:35:51,680
Speaker 2: millennials this, and millennials that, And when we go into

617
00:35:52,760 --> 00:35:56,279
Speaker 2: our lives, like when we go into college or when

618
00:35:56,320 --> 00:36:01,560
Speaker 2: we go into a real job, and our belief is that, Okay,

619
00:36:01,560 --> 00:36:03,920
Speaker 2: debt is super normal. I'm going to have it for

620
00:36:03,960 --> 00:36:06,120
Speaker 2: the rest of my life. I'm never going to have

621
00:36:06,160 --> 00:36:10,760
Speaker 2: a savings and all of these other statistics we don't

622
00:36:10,920 --> 00:36:15,600
Speaker 2: work towards whatever that goal is. And I think, especially

623
00:36:15,640 --> 00:36:17,800
Speaker 2: I kind of said this a second ago, but debt

624
00:36:17,960 --> 00:36:22,439
Speaker 2: especially has been so normalized that we just assume we'll

625
00:36:22,480 --> 00:36:25,680
Speaker 2: have debt forever, and a lot of that can sometimes

626
00:36:25,680 --> 00:36:30,040
Speaker 2: be to our detriment. And for me, like the reason

627
00:36:30,200 --> 00:36:33,680
Speaker 2: I work with millennials is because I do not believe

628
00:36:33,920 --> 00:36:36,919
Speaker 2: the story that our culture is telling us about what's

629
00:36:37,000 --> 00:36:41,120
Speaker 2: possible for millennials. I think the opposite, because here's the thing.

630
00:36:41,640 --> 00:36:45,239
Speaker 2: If I am about to work with someone who is,

631
00:36:45,360 --> 00:36:49,120
Speaker 2: let's say sixty years old, and they are in a

632
00:36:49,320 --> 00:36:53,520
Speaker 2: really not so great financial position, but they want to

633
00:36:53,640 --> 00:36:58,239
Speaker 2: retire in at sixty five, they have five years to

634
00:36:58,360 --> 00:37:01,920
Speaker 2: figure out their finances. They have five years to clean

635
00:37:02,000 --> 00:37:05,200
Speaker 2: up a mess that probably took them forty five years

636
00:37:05,200 --> 00:37:07,839
Speaker 2: to create, and then they have five years to turn

637
00:37:07,880 --> 00:37:12,040
Speaker 2: it around and then retire. If you're twenty five, you

638
00:37:12,239 --> 00:37:16,000
Speaker 2: have your whole freaking life to do this, Like, you

639
00:37:16,120 --> 00:37:20,400
Speaker 2: have so much time. And so when you start to

640
00:37:21,200 --> 00:37:24,759
Speaker 2: really take control of your finances, now you have the

641
00:37:24,800 --> 00:37:27,719
Speaker 2: rest of your life to reap the benefit of it.

642
00:37:28,280 --> 00:37:31,360
Speaker 2: And so, if anything, I'm like on a mission like

643
00:37:31,440 --> 00:37:34,480
Speaker 2: let's flip the story, like millennials are in the best place.

644
00:37:34,680 --> 00:37:38,640
Speaker 2: It's like I oftentimes like I'll write an Instagram post

645
00:37:38,680 --> 00:37:41,759
Speaker 2: and I'll say, hey, don't tell your parents this, but

646
00:37:42,200 --> 00:37:45,359
Speaker 2: like you're going to be so much better off than

647
00:37:45,400 --> 00:37:46,960
Speaker 2: they were, or you're going to be in such a

648
00:37:47,000 --> 00:37:52,640
Speaker 2: better financial position because a lot of the our parents generation,

649
00:37:53,360 --> 00:37:56,200
Speaker 2: like they are at a place where they only have

650
00:37:56,280 --> 00:37:58,840
Speaker 2: a couple years to figure things out if they haven't

651
00:37:58,880 --> 00:38:03,160
Speaker 2: done it already. But if millennials are learning finances now,

652
00:38:03,320 --> 00:38:07,320
Speaker 2: they have so much time. So I'm like all fired

653
00:38:07,440 --> 00:38:10,279
Speaker 2: up about No, you can have this, Like this has

654
00:38:10,360 --> 00:38:13,600
Speaker 2: passive love for you. But I think the biggest thing

655
00:38:13,719 --> 00:38:17,399
Speaker 2: that millennials need to do in order to have that

656
00:38:17,480 --> 00:38:21,160
Speaker 2: in order to have financial freedom. And also, let me

657
00:38:21,200 --> 00:38:24,320
Speaker 2: add to that, in order to have financial freedom now,

658
00:38:24,960 --> 00:38:27,000
Speaker 2: I do not think that you should have to wait

659
00:38:27,080 --> 00:38:30,160
Speaker 2: until you're fifty five to have fun and to travel

660
00:38:30,520 --> 00:38:32,799
Speaker 2: and to do all these awesome things. I think you

661
00:38:32,840 --> 00:38:35,840
Speaker 2: should be able to do that now. And that's the

662
00:38:35,880 --> 00:38:39,480
Speaker 2: cool thing about figuring out your finances now. So that

663
00:38:39,640 --> 00:38:42,879
Speaker 2: is kind of my spiel about millennials. I could not.

664
00:38:42,960 --> 00:38:46,600
Speaker 1: Agree more, Like I am so excited to be this

665
00:38:46,760 --> 00:38:51,239
Speaker 1: age and be like I am already taking charge of

666
00:38:51,280 --> 00:38:54,080
Speaker 1: my finances and like I've got my whole life to

667
00:38:54,160 --> 00:38:57,080
Speaker 1: like get my shit together. And I completely agree that,

668
00:38:57,200 --> 00:38:59,920
Speaker 1: like we are going to be ahead because we're already

669
00:39:00,120 --> 00:39:03,399
Speaker 1: thinking about this now. So it's amazing. It like makes

670
00:39:03,440 --> 00:39:08,000
Speaker 1: me excited. So let's chat about what a millennial can

671
00:39:08,160 --> 00:39:11,279
Speaker 1: do to get ahead with their finances, like, right now,

672
00:39:11,320 --> 00:39:12,799
Speaker 1: what are some steps they can take?

673
00:39:13,760 --> 00:39:16,839
Speaker 2: So the biggest thing is figuring out where you're at

674
00:39:16,920 --> 00:39:20,879
Speaker 2: now and then getting a process and a plan set

675
00:39:20,960 --> 00:39:23,799
Speaker 2: up for your finances. So the biggest thing for me

676
00:39:24,200 --> 00:39:29,880
Speaker 2: is having that structured plan. Instead of being like, oh well,

677
00:39:29,920 --> 00:39:32,400
Speaker 2: I'll just try and google some stuff and willing nearly

678
00:39:32,480 --> 00:39:35,600
Speaker 2: like save here and there, having a specific plan for

679
00:39:35,640 --> 00:39:39,360
Speaker 2: you will literally save you thousands and thousands of dollars

680
00:39:39,400 --> 00:39:42,439
Speaker 2: in the long run and help you achieve financial freedom now.

681
00:39:42,880 --> 00:39:46,399
Speaker 2: So the biggest thing for me, and I definitely want

682
00:39:46,440 --> 00:39:49,040
Speaker 2: to tell all of your audience about this because I

683
00:39:49,080 --> 00:39:52,600
Speaker 2: want to offer them a big discount, is I created

684
00:39:52,640 --> 00:39:56,279
Speaker 2: that my signature program, the Wealth Accelerator, and it's a

685
00:39:56,320 --> 00:39:59,799
Speaker 2: twelve week course to give you everything you need to

686
00:39:59,840 --> 00:40:04,120
Speaker 2: know about finances in order to get ahead with money.

687
00:40:04,760 --> 00:40:08,080
Speaker 2: So it is the step by step process of how

688
00:40:08,120 --> 00:40:11,000
Speaker 2: to win with finances in the long run, spoon fed

689
00:40:11,000 --> 00:40:12,840
Speaker 2: to you and bite sized pieces. And I want to

690
00:40:12,880 --> 00:40:16,920
Speaker 2: offer everyone in the Rise and Conquer Crew, the Rising

691
00:40:17,000 --> 00:40:20,480
Speaker 2: Conquer Squad, everybody out there who's ready to win with

692
00:40:20,600 --> 00:40:24,080
Speaker 2: money for good, one hundred dollars off with code Rise.

693
00:40:24,440 --> 00:40:27,959
Speaker 2: So I'll definitely give Georgie the link for show notes

694
00:40:28,000 --> 00:40:31,839
Speaker 2: and everything, but it's literally the Beasnees the best thing

695
00:40:31,920 --> 00:40:34,879
Speaker 2: out there to figure out your finances for good. Oh

696
00:40:34,960 --> 00:40:36,600
Speaker 2: my god, thank you so much, Chloe.

697
00:40:36,680 --> 00:40:39,799
Speaker 1: I'm so excited because I've actually checked out Chloe's the

698
00:40:39,800 --> 00:40:43,760
Speaker 1: Wealth Accelerator, and guys, it's twelve weeks, hey, Chloe, Yeah,

699
00:40:43,800 --> 00:40:46,399
Speaker 1: it's twelve weeks, and I've like, I've looked inside and

700
00:40:46,480 --> 00:40:50,560
Speaker 1: it's amazing. If you are resonating with like all this

701
00:40:50,680 --> 00:40:54,080
Speaker 1: stuff about like money mindset and nick steps and you know,

702
00:40:54,160 --> 00:40:56,440
Speaker 1: changing these money beliefs and all that sort of stuff,

703
00:40:56,719 --> 00:40:59,319
Speaker 1: definitely just check it out, have a look, and thank

704
00:40:59,360 --> 00:41:01,040
Speaker 1: you so much for bring that discount. And I really

705
00:41:01,040 --> 00:41:01,680
Speaker 1: appreciate that.

706
00:41:02,520 --> 00:41:05,000
Speaker 2: Of course, of course I got to give the people

707
00:41:05,040 --> 00:41:06,160
Speaker 2: the goods.

708
00:41:06,680 --> 00:41:10,560
Speaker 1: I love it amazing, and so I wanted to also

709
00:41:11,040 --> 00:41:15,280
Speaker 1: quickly switch gears and I want to chat about investments.

710
00:41:15,440 --> 00:41:18,040
Speaker 1: So I know you do go through this in your program,

711
00:41:18,160 --> 00:41:22,120
Speaker 1: but I personally am at the stage where I do

712
00:41:22,239 --> 00:41:25,680
Speaker 1: need to start thinking about, you know, investments, and I

713
00:41:25,760 --> 00:41:29,560
Speaker 1: love obviously I am familiar with your work and I

714
00:41:29,640 --> 00:41:32,839
Speaker 1: love you kind of explained that now is such a

715
00:41:32,920 --> 00:41:36,880
Speaker 1: really good time to start looking at at investments because

716
00:41:37,200 --> 00:41:39,680
Speaker 1: we do have so much more time than someone who

717
00:41:39,760 --> 00:41:43,920
Speaker 1: is older. So let's chat about investments and you know,

718
00:41:44,000 --> 00:41:46,680
Speaker 1: what is a good investment, what should we be looking for,

719
00:41:46,840 --> 00:41:47,520
Speaker 1: and all that.

720
00:41:47,400 --> 00:41:52,560
Speaker 2: Sort of stuff. Absolutely, So first, before I talk about

721
00:41:52,760 --> 00:41:57,200
Speaker 2: investments in general, I want to do like a little MythBuster,

722
00:41:58,120 --> 00:42:02,400
Speaker 2: because a lot of millennials think that, oh my gosh,

723
00:42:02,440 --> 00:42:06,640
Speaker 2: i'm behind, I need to start investing in the stock

724
00:42:06,719 --> 00:42:11,959
Speaker 2: market today, And what they're not realizing is that they

725
00:42:12,040 --> 00:42:15,000
Speaker 2: have let's say they have credit card debt and they

726
00:42:15,040 --> 00:42:18,760
Speaker 2: have a credit card that has a twenty five percent

727
00:42:18,880 --> 00:42:21,959
Speaker 2: interest rate, and they have a balance on their credit card.

728
00:42:22,560 --> 00:42:26,399
Speaker 2: If they are not paying that off, that means they're

729
00:42:26,560 --> 00:42:31,520
Speaker 2: losing money at a twenty five percent rate, and that

730
00:42:31,800 --> 00:42:34,799
Speaker 2: stinks like that is that's a big time. So if

731
00:42:34,800 --> 00:42:38,640
Speaker 2: you're losing money at a twenty five percent rate, why

732
00:42:38,640 --> 00:42:41,880
Speaker 2: would you want to go into the stock market. And

733
00:42:42,000 --> 00:42:46,360
Speaker 2: let's say you are gaining money at a seven percent increase.

734
00:42:47,000 --> 00:42:50,000
Speaker 2: You're gaining money at a seven percent increase, but because

735
00:42:50,040 --> 00:42:52,879
Speaker 2: you have that credit card debt, you're losing money at

736
00:42:52,920 --> 00:42:57,359
Speaker 2: a twenty five percent increase. So if you even those out,

737
00:42:57,760 --> 00:43:00,759
Speaker 2: you're still losing money. Big time. And so the biggest

738
00:43:00,800 --> 00:43:04,200
Speaker 2: like my MythBuster before we dive into more of the

739
00:43:04,239 --> 00:43:08,759
Speaker 2: investment stuff, is that your best investment if you have

740
00:43:09,920 --> 00:43:11,839
Speaker 2: or if you have credit card debt, and you have

741
00:43:11,880 --> 00:43:14,719
Speaker 2: credit card debt at a high interest rate, is to

742
00:43:14,760 --> 00:43:17,520
Speaker 2: pay that off because not only is there not the

743
00:43:17,640 --> 00:43:20,640
Speaker 2: risk of oh well, I you know, get a big return,

744
00:43:20,719 --> 00:43:23,160
Speaker 2: or will I be losing out on money, but you're

745
00:43:23,200 --> 00:43:26,480
Speaker 2: also having that locked in of not losing that anymore.

746
00:43:26,520 --> 00:43:30,279
Speaker 1: So that's a little MythBuster I can think of that.

747
00:43:31,000 --> 00:43:34,000
Speaker 1: Thank you for addressing that makes so much sense, sir.

748
00:43:34,239 --> 00:43:36,480
Speaker 1: I guess I probably should have asked about debts fuzz,

749
00:43:36,640 --> 00:43:41,200
Speaker 1: but thank you for making that Klea and I completely agree.

750
00:43:41,680 --> 00:43:44,200
Speaker 2: So the next thing, this is also kind of like

751
00:43:44,239 --> 00:43:48,319
Speaker 2: a MythBuster about investments, But the next thing that I

752
00:43:48,440 --> 00:43:52,879
Speaker 2: want to talk about is using yourself as an investment.

753
00:43:53,400 --> 00:43:57,520
Speaker 2: So often we think of investments as only again the

754
00:43:57,560 --> 00:44:01,800
Speaker 2: stock market or our retirement, which are very important things

755
00:44:01,840 --> 00:44:06,560
Speaker 2: and absolutely necessary. However, then we're nervous to invest in ourselves,

756
00:44:06,600 --> 00:44:10,680
Speaker 2: in hiring a mentor, or hiring a like business coach,

757
00:44:10,840 --> 00:44:14,319
Speaker 2: or hiring someone. And you have to remember that you

758
00:44:15,120 --> 00:44:18,440
Speaker 2: are like your best investment like you are your best investment.

759
00:44:18,920 --> 00:44:21,440
Speaker 2: So that's another like myth that I want that I

760
00:44:21,480 --> 00:44:24,720
Speaker 2: want to bust is that you should forget about investing

761
00:44:24,719 --> 00:44:28,120
Speaker 2: in yourself right now and only worry about investing in

762
00:44:28,160 --> 00:44:31,280
Speaker 2: like the stock market or something. So that's definitely something

763
00:44:31,320 --> 00:44:35,040
Speaker 2: I want wanted to address. But then also the other

764
00:44:35,080 --> 00:44:38,480
Speaker 2: thing I wanted to talk about is to when it

765
00:44:38,520 --> 00:44:43,160
Speaker 2: comes to investing, to think about different types of investments.

766
00:44:44,239 --> 00:44:46,759
Speaker 2: So it's definitely important to think about a four to

767
00:44:46,760 --> 00:44:51,520
Speaker 2: oh one, kay, thinking about other for other forms of

768
00:44:51,560 --> 00:44:55,000
Speaker 2: retirement depending on where you live and what your career is.

769
00:44:55,480 --> 00:44:59,000
Speaker 2: But it's also great to think about real estate or

770
00:44:59,040 --> 00:45:04,319
Speaker 2: thinking about to other investing in other companies or just investing.

771
00:45:04,640 --> 00:45:08,400
Speaker 2: But the biggest thing when it comes to investing is

772
00:45:08,480 --> 00:45:12,920
Speaker 2: finding a financial advisor who is your partner. I cannot

773
00:45:12,960 --> 00:45:16,840
Speaker 2: stress that enough. Whether it is a financial advisor or

774
00:45:16,880 --> 00:45:20,759
Speaker 2: an accountant or any other partner that you're having with

775
00:45:20,880 --> 00:45:24,560
Speaker 2: your finances. You want to hire someone who's your team

776
00:45:24,600 --> 00:45:28,360
Speaker 2: member and not someone who says, okay, just give me

777
00:45:28,400 --> 00:45:31,879
Speaker 2: your card info and then like I'll do it from here.

778
00:45:32,480 --> 00:45:35,560
Speaker 2: Really hire someone that will explain it to you and

779
00:45:35,640 --> 00:45:38,799
Speaker 2: be your partner and your finances, because that is someone

780
00:45:38,840 --> 00:45:41,520
Speaker 2: who's going to partner with you to win long term.

781
00:45:41,920 --> 00:45:46,680
Speaker 1: Amazing, And before we finish up the episode, I did

782
00:45:46,760 --> 00:45:50,640
Speaker 1: have a lot of questions in regards to debt.

783
00:45:51,200 --> 00:45:52,799
Speaker 2: So, what are some.

784
00:45:53,000 --> 00:45:56,640
Speaker 1: First steps that someone can take if they're currently you know,

785
00:45:56,800 --> 00:45:59,480
Speaker 1: they're in a lot of debt, or they're struggling to

786
00:45:59,560 --> 00:46:02,560
Speaker 1: even save because they do have to pay off debt.

787
00:46:02,600 --> 00:46:04,360
Speaker 1: Do you have any tips for that person?

788
00:46:05,440 --> 00:46:10,280
Speaker 2: Yes? Absolutely so. Tip number one is to know your debt.

789
00:46:10,960 --> 00:46:13,839
Speaker 2: So a lot of times we get really nervous and

790
00:46:13,920 --> 00:46:17,240
Speaker 2: scared to look at where we're at. But my best

791
00:46:17,280 --> 00:46:21,640
Speaker 2: example of this is that if I called Georgie and said, hey,

792
00:46:21,800 --> 00:46:25,640
Speaker 2: I need you to buy me a ticket to Australia,

793
00:46:25,680 --> 00:46:28,400
Speaker 2: your first question would be okay, cool, where are you

794
00:46:28,520 --> 00:46:29,400
Speaker 2: flying from?

795
00:46:29,920 --> 00:46:30,000
Speaker 1: Like?

796
00:46:30,080 --> 00:46:32,920
Speaker 2: Where are you starting for? I know where you're ending,

797
00:46:33,080 --> 00:46:34,799
Speaker 2: I know what your goal is. Let's say your goal

798
00:46:34,880 --> 00:46:36,839
Speaker 2: is to be debt free. I have to know where

799
00:46:36,880 --> 00:46:40,359
Speaker 2: to buy that plane ticket to depart from. And so

800
00:46:41,200 --> 00:46:44,120
Speaker 2: basically what I'm saying is you have to know where

801
00:46:44,160 --> 00:46:47,120
Speaker 2: you're at in order to set a goal of where

802
00:46:47,120 --> 00:46:52,160
Speaker 2: you're headed. And that sometimes can be hard because you

803
00:46:52,200 --> 00:46:54,240
Speaker 2: don't want to face that and maybe you've been putting

804
00:46:54,280 --> 00:46:56,719
Speaker 2: it out for a while, but it's really important to

805
00:46:56,800 --> 00:46:59,839
Speaker 2: know that, and not just know that in a way

806
00:47:00,120 --> 00:47:04,520
Speaker 2: of yeah, I have about ten thousand, but to know

807
00:47:04,600 --> 00:47:08,320
Speaker 2: the exact amount of what you have and the interest

808
00:47:08,440 --> 00:47:11,960
Speaker 2: rate at which it's at, because once you know that,

809
00:47:11,960 --> 00:47:14,440
Speaker 2: that's when you can start coming up with a plan

810
00:47:14,960 --> 00:47:18,600
Speaker 2: to tackle it. So, once you know what your debt is,

811
00:47:18,920 --> 00:47:22,279
Speaker 2: list it all out. If you have multiple debts, list

812
00:47:22,320 --> 00:47:25,120
Speaker 2: it all out. And if you have a bigger debt

813
00:47:25,160 --> 00:47:28,920
Speaker 2: like student loans, that's broken up into smaller ones, but

814
00:47:29,120 --> 00:47:31,200
Speaker 2: you just think of it as a big number, list

815
00:47:31,239 --> 00:47:34,200
Speaker 2: out all those smaller ones. Once you have it in

816
00:47:34,239 --> 00:47:37,680
Speaker 2: a list, then I want you to choose which one

817
00:47:37,960 --> 00:47:41,880
Speaker 2: is accruing the most interest the quickest. So the like

818
00:47:42,200 --> 00:47:44,560
Speaker 2: kind of an easy cardinal rule is if you have

819
00:47:44,640 --> 00:47:47,520
Speaker 2: credit cards, if you have a credit card debt, pay

820
00:47:47,560 --> 00:47:50,080
Speaker 2: those off first for the most part, unless they're at

821
00:47:50,120 --> 00:47:53,400
Speaker 2: like a zero person at APR, I would still tackle

822
00:47:53,520 --> 00:47:58,120
Speaker 2: credit cards first. And here's the thing. Millennials often make

823
00:47:58,160 --> 00:48:03,240
Speaker 2: the mistake of spreading out their income to tackle debt,

824
00:48:03,560 --> 00:48:06,600
Speaker 2: so they'll pay some towards credit cards, some towards student loans,

825
00:48:06,640 --> 00:48:09,839
Speaker 2: some towards the car loan. And what I want you

826
00:48:09,880 --> 00:48:13,239
Speaker 2: to do is to still pay your minimum payments on everything,

827
00:48:13,719 --> 00:48:18,440
Speaker 2: but use any extra income to tackle your highest priority.

828
00:48:18,920 --> 00:48:21,640
Speaker 2: Get that done first, and then move on to the

829
00:48:21,680 --> 00:48:25,440
Speaker 2: next one, because not only logistically will that save you money,

830
00:48:25,640 --> 00:48:28,440
Speaker 2: but also it'll keep your momentum up and keep you

831
00:48:28,520 --> 00:48:30,879
Speaker 2: excited and ready to go on to the next thing.

832
00:48:32,000 --> 00:48:35,000
Speaker 1: Oh my gosh, thank you so much for sharing that.

833
00:48:35,000 --> 00:48:37,839
Speaker 1: That makes so much sense sense and I've actually never

834
00:48:37,920 --> 00:48:41,640
Speaker 1: heard anyone say that about just focus on the one

835
00:48:41,960 --> 00:48:46,080
Speaker 1: rather than trying to spread yourself out, so amazing points.

836
00:48:46,400 --> 00:48:50,160
Speaker 1: Thank you so much, Koe. Before you leave, can you

837
00:48:50,239 --> 00:48:53,759
Speaker 1: give the audience all the good things of where to

838
00:48:53,840 --> 00:48:56,960
Speaker 1: find you. I know we already talked about your Wealth

839
00:48:57,000 --> 00:49:01,760
Speaker 1: Accelerator signature program which is starting soon, so I'll I'll

840
00:49:01,760 --> 00:49:04,320
Speaker 1: make sure I put that link in the show notes.

841
00:49:04,400 --> 00:49:07,400
Speaker 1: And guys, if you're interested in that, if you're serious

842
00:49:07,400 --> 00:49:11,640
Speaker 1: about like financial freedom and getting your finances sorted, get

843
00:49:11,680 --> 00:49:13,600
Speaker 1: onto that. Have a look at that program, and then

844
00:49:13,719 --> 00:49:16,879
Speaker 1: also make sure you use the code rise which will

845
00:49:16,880 --> 00:49:19,720
Speaker 1: give you one hundred dollars off. Thank you for that, Chloe.

846
00:49:19,719 --> 00:49:21,759
Speaker 1: But yeah, let everyone know where they can find you

847
00:49:22,320 --> 00:49:24,240
Speaker 1: and where you live and all that good stuff.

848
00:49:25,120 --> 00:49:31,200
Speaker 2: My favorite platform is probably actually now podcasting, but I

849
00:49:31,360 --> 00:49:34,200
Speaker 2: spend the most of my time over on Instagram. My

850
00:49:34,280 --> 00:49:37,359
Speaker 2: Instagram is Deeper than Money, so it's deeper period than

851
00:49:37,680 --> 00:49:41,160
Speaker 2: period money, and I talk all things and money over there.

852
00:49:41,600 --> 00:49:45,280
Speaker 2: I also just release my podcast called Deeper than Money,

853
00:49:45,360 --> 00:49:48,719
Speaker 2: so that's on all platforms of podcasts. And then I

854
00:49:48,760 --> 00:49:51,920
Speaker 2: also have a free Facebook group that I do trainings

855
00:49:51,960 --> 00:49:55,160
Speaker 2: in and you can search Deeper than Money on Facebook,

856
00:49:55,200 --> 00:49:58,359
Speaker 2: so basically search Deeper than Money anywhere and I'll be there.

857
00:49:58,400 --> 00:50:00,399
Speaker 2: I'll just pop up at your door, like.

858
00:50:00,880 --> 00:50:03,560
Speaker 1: I'll show up. No, I'm just kidding, but yeah.

859
00:50:03,600 --> 00:50:06,200
Speaker 2: So I spend most of the time over at Instagram though,

860
00:50:06,200 --> 00:50:11,280
Speaker 2: that's my favorite. And I absolutely love, love love when

861
00:50:11,640 --> 00:50:14,680
Speaker 2: people when you screenshat and share this episode and tag me.

862
00:50:14,840 --> 00:50:17,399
Speaker 2: I love hearing like what your favorite tips were too,

863
00:50:17,520 --> 00:50:20,279
Speaker 2: So feel free to do that tag that on Instagram.

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00:50:20,719 --> 00:50:23,520
Speaker 1: Amazing. And before we leave, do you want to give

865
00:50:23,520 --> 00:50:26,959
Speaker 1: the audience just a little bit more about your Wealth

866
00:50:27,000 --> 00:50:32,320
Speaker 1: Accelerator program? Yes, absolutely so, the Wealth Accelerator.

867
00:50:32,560 --> 00:50:36,000
Speaker 2: I am truly obsessed with it because I think it

868
00:50:36,120 --> 00:50:39,600
Speaker 2: is the most transformational thing you can do as a

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00:50:39,640 --> 00:50:43,440
Speaker 2: millennial to figure out your finances long term. It is

870
00:50:43,760 --> 00:50:47,399
Speaker 2: a really big thing to invest in yourself. If you do,

871
00:50:47,640 --> 00:50:51,040
Speaker 2: you're clearly a high achiever. You're a millennial who's working

872
00:50:51,080 --> 00:50:54,040
Speaker 2: really hard but maybe doesn't have doesn't feel like they

873
00:50:54,040 --> 00:50:56,239
Speaker 2: have the right money to show for it of what

874
00:50:56,280 --> 00:51:00,440
Speaker 2: they should have. And if that's you, take the freaking

875
00:51:00,560 --> 00:51:04,520
Speaker 2: leap and invest in yourself. Because my clients are paying

876
00:51:04,520 --> 00:51:07,600
Speaker 2: off all their debt, they're becoming credit card debt free,

877
00:51:07,600 --> 00:51:11,719
Speaker 2: they're traveling, they're enjoying their twenties and thirties, they're investing,

878
00:51:11,719 --> 00:51:14,440
Speaker 2: they're doing all these amazing things and getting their investment

879
00:51:14,480 --> 00:51:18,240
Speaker 2: from the course back asap, and it's totally changing their lives.

880
00:51:18,280 --> 00:51:21,560
Speaker 2: So if that's you, if you are like, Wow, I've

881
00:51:21,600 --> 00:51:24,880
Speaker 2: put off my finances forever and I'm finally ready to

882
00:51:24,960 --> 00:51:27,680
Speaker 2: take that leap, I cannot wait to hear from you.

883
00:51:27,680 --> 00:51:29,919
Speaker 1: You are going to be ubsacked with the wild accelerator.

884
00:51:30,239 --> 00:51:32,960
Speaker 2: And again remember that use code rise and it will

885
00:51:32,960 --> 00:51:36,920
Speaker 2: give you some move law off and that's what we

886
00:51:37,000 --> 00:51:39,400
Speaker 2: all want to be doing, saving money. Amazing.

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00:51:39,760 --> 00:51:43,400
Speaker 1: Thank you so much for conversation, Coy. I absolutely adore

888
00:51:43,440 --> 00:51:44,880
Speaker 1: you and I'm so happy we had it.

889
00:51:45,560 --> 00:51:45,840
Speaker 2: Yay.

890
00:51:45,920 --> 00:51:49,200
Speaker 1: Thank you so much for having me. Thanks so much

891
00:51:49,200 --> 00:51:52,000
Speaker 1: for listening into this week's episode. If you love to

892
00:51:52,120 --> 00:51:55,279
Speaker 1: Rise and Kunka and you're craving more community, I have

893
00:51:55,400 --> 00:51:58,279
Speaker 1: got you, girlfriend. I was feeling the exact same, So

894
00:51:58,320 --> 00:52:01,120
Speaker 1: I'm very excited to announce that we have made a

895
00:52:01,239 --> 00:52:05,040
Speaker 1: close Rise and Conquer Facebook community group. To join our

896
00:52:05,080 --> 00:52:08,320
Speaker 1: girl gang, head to Facebook and search Rise and Conquer

897
00:52:08,400 --> 00:52:11,360
Speaker 1: Podcast community or head to the show notes for the link.

898
00:52:11,719 --> 00:52:14,600
Speaker 1: I decided to create this community for like minded women

899
00:52:14,680 --> 00:52:18,160
Speaker 1: who's searching for a safe and positive space for us

900
00:52:18,200 --> 00:52:22,440
Speaker 1: to share our stories, to ask for advice, and interact together. Lastly,

901
00:52:22,560 --> 00:52:25,239
Speaker 1: if you know someone who would benefit from this episode,

902
00:52:25,480 --> 00:52:28,040
Speaker 1: please make sure you share it with them, or even

903
00:52:28,080 --> 00:52:30,880
Speaker 1: take a screenshot and share it on your Instagram stories.

904
00:52:31,239 --> 00:52:34,880
Speaker 1: I really really appreciate all the support, and this is

905
00:52:34,920 --> 00:52:39,000
Speaker 1: a total independent podcast, so any sort of sharing.

906
00:52:38,719 --> 00:52:41,040
Speaker 2: Involved I really really appreciate.

907
00:52:41,520 --> 00:52:43,680
Speaker 1: Also, if you want to go beyond this episode, check

908
00:52:43,680 --> 00:52:48,400
Speaker 1: out our official Instagram at Rise and Conquer dot podcast

909
00:52:48,560 --> 00:52:52,000
Speaker 1: or my personal Instagram at Georgie Stevenson. I hope you

910
00:52:52,000 --> 00:52:54,480
Speaker 1: have an amazing day or night whenever you're listening.

911
00:52:54,760 --> 00:53:03,719
Speaker 2: By for now and talk to you soon. Post and

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00:53:04,040 --> 00:53:14,840
Speaker 2: Spoke post t best spik Puss and spout spot spot