1 00:00:00,600 --> 00:00:04,520 Speaker 1: Hello, my name is Satasha Nabananga Bamblet. I'm a proud 2 00:00:04,800 --> 00:00:08,240 Speaker 1: or the Order Kerni Whaltbury and a waddery woman. And 3 00:00:08,320 --> 00:00:10,719 Speaker 1: before we get started on She's on the Money podcast, 4 00:00:11,000 --> 00:00:13,880 Speaker 1: I would like to acknowledge the traditional custodians of the 5 00:00:13,960 --> 00:00:17,599 Speaker 1: land of which this podcast is recorded on a wondery country, 6 00:00:18,079 --> 00:00:22,200 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,239 --> 00:00:26,880 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,000 --> 00:00:30,040 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,160 --> 00:00:33,000 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,240 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,280 --> 00:00:38,280 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,120 --> 00:00:59,600 Speaker 4: Hello, and welcome to She's on the Money. The podcasts 13 00:00:59,600 --> 00:01:02,320 Speaker 4: that are remind you your dream job probably isn't something 14 00:01:02,320 --> 00:01:03,120 Speaker 4: you find on seek. 15 00:01:03,360 --> 00:01:04,760 Speaker 2: It's something you build yourself. 16 00:01:05,040 --> 00:01:06,959 Speaker 4: You know that tiny idea you keep thinking about, the 17 00:01:06,959 --> 00:01:09,920 Speaker 4: one you swear you'll get to when life slows down. Well, 18 00:01:10,000 --> 00:01:11,800 Speaker 4: what if that's the thing that changes everything if you 19 00:01:11,880 --> 00:01:15,639 Speaker 4: just back yourself. I'm excited and with me of course 20 00:01:15,760 --> 00:01:18,200 Speaker 4: is the one and only Victoria Divine. The one and 21 00:01:18,280 --> 00:01:21,840 Speaker 4: only sounds so dramatic. One and only. I'll take another Divine. 22 00:01:22,120 --> 00:01:25,000 Speaker 4: I mean you don't I know your sister Alex Divine. Yeah, 23 00:01:25,040 --> 00:01:26,640 Speaker 4: but I don't know Victoria Divine. 24 00:01:26,680 --> 00:01:29,399 Speaker 2: No. No, And that's like kind of good because I 25 00:01:29,560 --> 00:01:32,440 Speaker 2: am trying to build a profile here in Australia and 26 00:01:32,480 --> 00:01:35,640 Speaker 2: it could get a little bit competitive. So stay out, 27 00:01:35,720 --> 00:01:38,640 Speaker 2: Victoria Divine. We only have room for one unforsonately and 28 00:01:38,720 --> 00:01:41,399 Speaker 2: if you are also a Victoria Divine, like, that's cool, 29 00:01:41,400 --> 00:01:45,680 Speaker 2: but please don't become a money influencer. Ye're true. 30 00:01:45,920 --> 00:01:48,800 Speaker 4: If you are Victoria Divine high and welcome to the show, 31 00:01:49,080 --> 00:01:50,800 Speaker 4: please reach out because we'd love to have you. 32 00:01:51,000 --> 00:01:54,240 Speaker 2: Yeah, and replace other Victoria Divine. Oh thanks. 33 00:01:55,680 --> 00:01:55,960 Speaker 1: Nolvi. 34 00:01:56,120 --> 00:01:58,240 Speaker 4: After how much love the last episode got where you 35 00:01:58,280 --> 00:02:00,680 Speaker 4: shared your money story, we knew we. 36 00:02:00,600 --> 00:02:02,480 Speaker 2: Had to do a follow up, so did we we 37 00:02:02,560 --> 00:02:04,920 Speaker 2: knew or you knew? I knew? I hope you like 38 00:02:05,000 --> 00:02:06,360 Speaker 2: these I love them. 39 00:02:06,760 --> 00:02:06,960 Speaker 3: Yeah. 40 00:02:07,000 --> 00:02:09,120 Speaker 2: Look, I'm not gonna lie. I got into the studio 41 00:02:09,200 --> 00:02:11,839 Speaker 2: and I got ambushed our producer and I said, guess 42 00:02:11,880 --> 00:02:15,200 Speaker 2: what you're doing today. It wasn't so much about consent, 43 00:02:15,480 --> 00:02:17,960 Speaker 2: more about telling me. I think that the team is 44 00:02:17,960 --> 00:02:19,880 Speaker 2: at a point where you guys are like, you know what, 45 00:02:20,200 --> 00:02:22,840 Speaker 2: We're just going to ask for forgiveness, not permission. I 46 00:02:22,840 --> 00:02:24,359 Speaker 2: think we're just going to have to do that. You 47 00:02:24,560 --> 00:02:28,320 Speaker 2: just do you guys. Yeah, And unfortunately, given how many 48 00:02:28,360 --> 00:02:30,840 Speaker 2: downloads it got, I have to agree that it is working. 49 00:02:32,040 --> 00:02:33,560 Speaker 4: Thank you, and you always ride that way with us, 50 00:02:33,560 --> 00:02:36,360 Speaker 4: and I really appreciate that you know better. I do 51 00:02:36,639 --> 00:02:39,360 Speaker 4: know better because due to a very very very popular demand, 52 00:02:39,520 --> 00:02:42,040 Speaker 4: we've done the money story. Now let's talk business. 53 00:02:42,120 --> 00:02:45,160 Speaker 2: I mean you're ready, yes, as ready as I'll ever be. 54 00:02:45,400 --> 00:02:47,919 Speaker 4: Amazing, amazing, Okay, so I've just got seven hundred and 55 00:02:47,960 --> 00:02:49,040 Speaker 4: fifty two questions for you. 56 00:02:49,480 --> 00:02:51,520 Speaker 2: Great, fantastic, I'm ready. Perfect. 57 00:02:51,520 --> 00:02:54,560 Speaker 4: It could have got me a coffee. I think it's 58 00:02:54,600 --> 00:02:56,280 Speaker 4: better when you're a little bit tired in de lulu. 59 00:02:56,480 --> 00:02:58,520 Speaker 2: Okay, all right, let's go. Well I'm going to start here. 60 00:02:58,560 --> 00:03:00,240 Speaker 4: All right, we heard in the last EPISO so that 61 00:03:00,320 --> 00:03:02,320 Speaker 4: you always knew you wanted to be a business owner. 62 00:03:02,520 --> 00:03:05,120 Speaker 4: So can you give us a quick backstory, like how 63 00:03:05,120 --> 00:03:06,320 Speaker 4: did that turn into Zella? 64 00:03:06,480 --> 00:03:09,480 Speaker 2: And then eventually she's in the money? Where do I 65 00:03:09,520 --> 00:03:12,560 Speaker 2: even start with this? So I've always known that I 66 00:03:12,639 --> 00:03:16,160 Speaker 2: wanted to be a business owner because I think like 67 00:03:16,960 --> 00:03:20,560 Speaker 2: my ADHD story really intertwines into this, right and it's 68 00:03:20,560 --> 00:03:22,960 Speaker 2: not because it's topical or I feel like at the 69 00:03:22,960 --> 00:03:24,799 Speaker 2: moment it seems like a little bit trendy to talk 70 00:03:24,840 --> 00:03:29,639 Speaker 2: about ADHD. But to understand the ADHD from my perspective 71 00:03:29,720 --> 00:03:32,639 Speaker 2: and why I think it's part of my story and 72 00:03:32,720 --> 00:03:35,600 Speaker 2: why I became a business owner. Is I run at 73 00:03:35,640 --> 00:03:38,240 Speaker 2: six million miles an hour. Like I am the type 74 00:03:38,240 --> 00:03:42,520 Speaker 2: of person who thrives in chaos, which is not everybody, right, Like, 75 00:03:42,560 --> 00:03:44,200 Speaker 2: I'm the type of person where if you give me 76 00:03:44,280 --> 00:03:48,040 Speaker 2: one thing to do for an entire day, beck, I'm 77 00:03:48,120 --> 00:03:52,560 Speaker 2: doing it at eleven fifty nine PM right before, like 78 00:03:52,800 --> 00:03:56,880 Speaker 2: I cannot do it earlier, Like most normal people would 79 00:03:56,880 --> 00:03:58,920 Speaker 2: be like one thing to do, let's just knock that 80 00:03:59,000 --> 00:04:01,160 Speaker 2: off this morning so I can have a free day. 81 00:04:01,320 --> 00:04:05,240 Speaker 2: I'm actually going to cripple myself with analysis paralysis for 82 00:04:05,280 --> 00:04:08,320 Speaker 2: the entire day going I can't do anything until this 83 00:04:08,400 --> 00:04:10,920 Speaker 2: other thing is done. But I'm not going to do it. 84 00:04:11,560 --> 00:04:13,640 Speaker 2: I'm just going to stress about having not done it. 85 00:04:14,360 --> 00:04:16,479 Speaker 2: But if you gave me fifty things to do in 86 00:04:16,520 --> 00:04:20,200 Speaker 2: one day, I thrive, Like I will get up early. 87 00:04:20,279 --> 00:04:22,680 Speaker 2: I'm back to back. I can work my butt off. 88 00:04:22,760 --> 00:04:25,599 Speaker 2: And that's not to say that everybody with ADHD does 89 00:04:25,640 --> 00:04:28,320 Speaker 2: it that way, That's just how I operate, and so 90 00:04:28,520 --> 00:04:32,880 Speaker 2: as somebody who thrives during chaos, I think I've always 91 00:04:32,960 --> 00:04:35,520 Speaker 2: known that I wanted to be in control of that chaos. 92 00:04:35,880 --> 00:04:39,400 Speaker 2: And I'm also very aware that that makes me not 93 00:04:39,480 --> 00:04:43,599 Speaker 2: a good employee, Like it doesn't make me the best 94 00:04:43,640 --> 00:04:46,880 Speaker 2: person to work for you, because I run my own 95 00:04:46,880 --> 00:04:50,359 Speaker 2: schedule and it doesn't matter how important it is. If 96 00:04:50,480 --> 00:04:53,440 Speaker 2: I for some reason I'm not motivated, I'm just not 97 00:04:53,560 --> 00:04:57,120 Speaker 2: going to do it, and that's not a good thing. 98 00:04:57,520 --> 00:04:59,640 Speaker 2: I wish I was a bit different and could be like, 99 00:04:59,680 --> 00:05:01,880 Speaker 2: oh well, my boss asked me to do X, y Z, 100 00:05:02,560 --> 00:05:05,159 Speaker 2: like I'm just not that good at it. And it 101 00:05:05,279 --> 00:05:07,800 Speaker 2: used to take a lot of energy for me to 102 00:05:07,839 --> 00:05:10,440 Speaker 2: do those things when I was employed. And I mean 103 00:05:10,480 --> 00:05:12,640 Speaker 2: I did get feedback like oh V you don't seem 104 00:05:12,680 --> 00:05:14,360 Speaker 2: to take this seriously. In the back of my head, 105 00:05:14,400 --> 00:05:17,440 Speaker 2: I'm like this because I don't care, and that's not cool. 106 00:05:17,720 --> 00:05:20,440 Speaker 2: That's not cool. So for me to be a business 107 00:05:20,440 --> 00:05:24,200 Speaker 2: owner meant a lot more control. And I also just 108 00:05:24,720 --> 00:05:27,960 Speaker 2: I love new stuff. I love shiny stuff. Having ADHD 109 00:05:28,120 --> 00:05:31,680 Speaker 2: means like I get very excited about something new, a 110 00:05:31,920 --> 00:05:34,920 Speaker 2: brand new idea, a new hobby, a new whatever. So 111 00:05:35,480 --> 00:05:40,000 Speaker 2: creating kind of comes very naturally to me, I would say. 112 00:05:40,200 --> 00:05:42,160 Speaker 2: So I feel like, with all of that in mind, 113 00:05:42,200 --> 00:05:45,159 Speaker 2: it leads me down wanting to be a business owner 114 00:05:45,480 --> 00:05:49,240 Speaker 2: and taking a few steps backwards. I didn't know what 115 00:05:49,279 --> 00:05:52,320 Speaker 2: that meant. I've always like been a little bit entrepreneurial, 116 00:05:52,600 --> 00:05:56,200 Speaker 2: like sold stuff as I'm growing up. Like you know, 117 00:05:56,360 --> 00:05:59,880 Speaker 2: I was selling friendship bracelets at school. You want a scooby, 118 00:06:00,040 --> 00:06:02,320 Speaker 2: I'll make you a scooby. I will charge you for 119 00:06:02,360 --> 00:06:05,440 Speaker 2: the scooby. I also used to sell my notes, so 120 00:06:05,560 --> 00:06:08,280 Speaker 2: like I used to take like really good notes. And 121 00:06:08,320 --> 00:06:10,600 Speaker 2: one of the reasons I took such good notes at 122 00:06:10,600 --> 00:06:13,160 Speaker 2: school and in university was because I knew I could 123 00:06:13,160 --> 00:06:14,840 Speaker 2: sell them. It wasn't even because I was trying to 124 00:06:14,920 --> 00:06:18,039 Speaker 2: learn at that point. Like, my motivations have always been 125 00:06:18,080 --> 00:06:22,119 Speaker 2: a little bit different to other people's. So I guess 126 00:06:22,160 --> 00:06:24,919 Speaker 2: that's what led me to wanting to be a business owner. 127 00:06:24,960 --> 00:06:29,240 Speaker 2: But what got me into finance was I have For 128 00:06:29,279 --> 00:06:31,200 Speaker 2: those of you who maybe don't know my backstory, I 129 00:06:31,240 --> 00:06:35,400 Speaker 2: have two degrees in psychology. I have my undergraduate degree, 130 00:06:35,440 --> 00:06:38,000 Speaker 2: I have a postgraduate degree, and then I have an 131 00:06:38,080 --> 00:06:44,040 Speaker 2: MBA and I started psychology. I'm so interested in how 132 00:06:44,120 --> 00:06:46,960 Speaker 2: people work. I'm so interested in having an impact and 133 00:06:47,000 --> 00:06:50,560 Speaker 2: hopefully making other people's lives better. But then, really, once 134 00:06:50,600 --> 00:06:53,160 Speaker 2: I got my first job, that was not it. Like 135 00:06:53,279 --> 00:06:56,240 Speaker 2: I worked in consulting in psych and just realized I 136 00:06:56,279 --> 00:06:58,840 Speaker 2: didn't like the corporate vibes. I didn't like being told 137 00:06:58,880 --> 00:07:02,040 Speaker 2: what to do by mediocre, middle aged white men who 138 00:07:02,160 --> 00:07:05,120 Speaker 2: I didn't think knew what they were talking about. I consistently, 139 00:07:05,200 --> 00:07:07,239 Speaker 2: and this is not me saying I did know better, 140 00:07:07,400 --> 00:07:09,960 Speaker 2: but I consistently felt as though I could do these 141 00:07:10,000 --> 00:07:15,600 Speaker 2: things better. And I think that for a lot of 142 00:07:15,680 --> 00:07:19,600 Speaker 2: the part, I won't say I wasn't wrong, but it 143 00:07:19,640 --> 00:07:21,920 Speaker 2: was because I was always so willing to try something new, 144 00:07:22,120 --> 00:07:24,400 Speaker 2: try something different, Like there's a new system we could try, 145 00:07:24,440 --> 00:07:27,560 Speaker 2: why aren't we trying that? Like I was consistently being 146 00:07:27,600 --> 00:07:29,720 Speaker 2: told no, that's the way we've always done it. I'd 147 00:07:29,720 --> 00:07:32,120 Speaker 2: be like, but we don't have to, you know. So 148 00:07:32,680 --> 00:07:36,520 Speaker 2: didn't love that. Ultimately ended up in the finance space 149 00:07:36,560 --> 00:07:38,520 Speaker 2: because one of my clients when I was working in 150 00:07:38,640 --> 00:07:41,760 Speaker 2: orgsych was a financial advisor, and I'm like, oh my goodness, 151 00:07:41,800 --> 00:07:45,440 Speaker 2: like this is cool, Like it's not as much about 152 00:07:45,600 --> 00:07:49,120 Speaker 2: numbers as it is about impacting people's lives. And like 153 00:07:49,640 --> 00:07:51,880 Speaker 2: I was taking all this advice home to my friends 154 00:07:51,880 --> 00:07:53,720 Speaker 2: and my family and being like, Beck, did you know 155 00:07:53,720 --> 00:07:55,960 Speaker 2: about super Like it's so cool, Like you can get 156 00:07:55,960 --> 00:07:58,840 Speaker 2: really rich doing X Y Z, And Yeah, I ultimately 157 00:07:58,960 --> 00:08:01,880 Speaker 2: became my career and I decided that when I was 158 00:08:01,920 --> 00:08:04,560 Speaker 2: going to do that, I didn't want to do it 159 00:08:04,600 --> 00:08:07,920 Speaker 2: for somebody else. Like I could see the structure. I 160 00:08:07,960 --> 00:08:11,000 Speaker 2: did work in that structure as an employed financial advisor 161 00:08:11,040 --> 00:08:13,600 Speaker 2: for a bit, but that was kind of to find 162 00:08:13,680 --> 00:08:17,400 Speaker 2: my feet. And once I started Zella, I loved it. 163 00:08:17,440 --> 00:08:20,200 Speaker 2: I loved being in control of my day. I loved, 164 00:08:20,320 --> 00:08:24,120 Speaker 2: you know, being able to set the guidelines of how 165 00:08:24,160 --> 00:08:27,200 Speaker 2: my business would work, not just for my clients, not 166 00:08:27,280 --> 00:08:29,400 Speaker 2: just for me, but also for my staff. Like something 167 00:08:29,440 --> 00:08:32,600 Speaker 2: that I have held very very close to me is 168 00:08:32,640 --> 00:08:35,120 Speaker 2: making sure that my staff for enjoying work hopefully as 169 00:08:35,160 --> 00:08:38,400 Speaker 2: much as I do, and giving them like I employee adults, Beck, 170 00:08:38,840 --> 00:08:41,040 Speaker 2: let's just treat them that way. Yeah, you don't thrive 171 00:08:41,080 --> 00:08:42,760 Speaker 2: in the morning, don't start in the morning like I 172 00:08:42,760 --> 00:08:44,360 Speaker 2: need you to do this amount of work. I don't 173 00:08:44,400 --> 00:08:47,160 Speaker 2: care how you get it done, Like I think that 174 00:08:47,160 --> 00:08:51,000 Speaker 2: that respect is not something that comes often. But then 175 00:08:51,280 --> 00:08:54,880 Speaker 2: once you have that in a business, that impacts the clients, 176 00:08:54,880 --> 00:08:58,560 Speaker 2: it impacts how outcomes, Like it means that as a business, 177 00:08:58,720 --> 00:09:02,360 Speaker 2: like we're thriving because the vibes are just high all 178 00:09:02,400 --> 00:09:05,480 Speaker 2: the time. Yeah, and people want to be involved in that, right, Yes. 179 00:09:05,720 --> 00:09:09,160 Speaker 2: So I think that's kind of where Zella came from. 180 00:09:09,200 --> 00:09:13,160 Speaker 2: It was from me essentially wanting to control everything and 181 00:09:13,240 --> 00:09:16,559 Speaker 2: something I don't think i've shared publicly before. I mean 182 00:09:16,600 --> 00:09:19,720 Speaker 2: I've mentioned it on like my Instagram stories like once 183 00:09:19,840 --> 00:09:22,840 Speaker 2: or twice. But when I started Zella Beck, it's so 184 00:09:22,880 --> 00:09:24,719 Speaker 2: hard to name a business, Like how do you even 185 00:09:24,800 --> 00:09:27,040 Speaker 2: name a business? Oh my god, I know, Like what 186 00:09:27,080 --> 00:09:30,480 Speaker 2: do I call it? Divine associates? There's many words. If 187 00:09:30,520 --> 00:09:34,080 Speaker 2: I was going to become a financial advice business, like Victoria, 188 00:09:34,120 --> 00:09:39,000 Speaker 2: divine financial advice or divine advisor, it all sounds like terrible, 189 00:09:39,120 --> 00:09:42,839 Speaker 2: divine g Yeah, like all of it's crap be And 190 00:09:42,920 --> 00:09:45,280 Speaker 2: so I was brainstorming with my mom and my mom 191 00:09:45,360 --> 00:09:48,000 Speaker 2: was like, why don't you use your nana's name? Oh, so, 192 00:09:48,160 --> 00:09:50,920 Speaker 2: Zella is actually my grandmother's name. That's her first name. 193 00:09:51,200 --> 00:09:56,280 Speaker 2: Gorgeous name exactly, and it's not very common. And I 194 00:09:56,320 --> 00:09:58,720 Speaker 2: think that given I wanted to start a business that 195 00:09:58,840 --> 00:10:02,120 Speaker 2: impacted women, it made sense to name it after one 196 00:10:02,160 --> 00:10:04,760 Speaker 2: of the most powerful women I know. And then I 197 00:10:04,800 --> 00:10:07,200 Speaker 2: was like, oh cool, Like Zella sounds fun, like it's 198 00:10:07,240 --> 00:10:10,920 Speaker 2: giving like strong vibes. When I looked up the brand 199 00:10:11,240 --> 00:10:14,320 Speaker 2: Zella Beck, it means the one who knows the way. 200 00:10:15,040 --> 00:10:18,840 Speaker 2: Like that's perfect, so perfect. I think that everything from 201 00:10:18,920 --> 00:10:21,120 Speaker 2: the beginning when I started, it just felt right. It 202 00:10:21,160 --> 00:10:22,960 Speaker 2: just felt like it started in the way that it 203 00:10:23,000 --> 00:10:26,360 Speaker 2: was meant to start. And yeah, like it's still a 204 00:10:26,400 --> 00:10:29,720 Speaker 2: business that thrives today. I suppose it's a bit different 205 00:10:29,800 --> 00:10:33,240 Speaker 2: to the financial advice business that I started. And then ultimately, 206 00:10:33,760 --> 00:10:36,719 Speaker 2: She's on the Money came from to explain that a 207 00:10:36,760 --> 00:10:39,360 Speaker 2: little bit. I feel like I'm just yapping, but to 208 00:10:39,400 --> 00:10:41,560 Speaker 2: explain that a little bit She's on the money was 209 00:10:41,600 --> 00:10:46,560 Speaker 2: actually initially a workshop. So it was me, as a 210 00:10:46,600 --> 00:10:49,400 Speaker 2: baby financial advisor, going, I want to work with women. 211 00:10:49,920 --> 00:10:51,680 Speaker 2: How do I work with women? You know what I 212 00:10:51,679 --> 00:10:54,640 Speaker 2: could do? I could run lunch and learn sessions. I 213 00:10:54,679 --> 00:10:56,920 Speaker 2: could run a lunch and learn session and go into 214 00:10:56,960 --> 00:11:00,920 Speaker 2: your workplace, back, sit down, your hate. Hopefully we'll like 215 00:11:01,000 --> 00:11:02,840 Speaker 2: buy some sandwiches and then I'm going to be up 216 00:11:02,880 --> 00:11:05,720 Speaker 2: the front talking about financial advice. I'm going to tell 217 00:11:05,760 --> 00:11:09,240 Speaker 2: you about super savings, all of that stuff. And they 218 00:11:09,240 --> 00:11:12,719 Speaker 2: got really popular, but initially I was running them from 219 00:11:12,720 --> 00:11:15,920 Speaker 2: all genders or literally anyone. And I realized that in 220 00:11:16,000 --> 00:11:19,800 Speaker 2: more corporate settings, women weren't putting their hands up, like, 221 00:11:19,960 --> 00:11:23,120 Speaker 2: women weren't asking the hard questions right. They were emailing 222 00:11:23,120 --> 00:11:25,040 Speaker 2: me after to be like, hey, so you mentioned this. 223 00:11:25,160 --> 00:11:27,840 Speaker 2: I was just wondering xyz, and I was thinking, like, 224 00:11:28,240 --> 00:11:30,720 Speaker 2: why aren't you putting your hand up? And it was 225 00:11:30,760 --> 00:11:35,319 Speaker 2: because the male colleagues in the room often dominated the conversation. Yes, 226 00:11:35,800 --> 00:11:39,040 Speaker 2: oh you will open investing since it's just sit down 227 00:11:39,120 --> 00:11:43,760 Speaker 2: Craig like. And so I decided to add to my 228 00:11:43,880 --> 00:11:47,640 Speaker 2: offering of like my financial advice workshops, a female only 229 00:11:47,720 --> 00:11:50,960 Speaker 2: one because you know, when you get women together, they 230 00:11:51,040 --> 00:11:54,120 Speaker 2: support each other. And yeah, the She's on the Money 231 00:11:54,160 --> 00:11:57,200 Speaker 2: workshop was born. And then I thought, let's make a 232 00:11:57,200 --> 00:12:00,280 Speaker 2: Facebook group because all of these women we could like chat, like, 233 00:12:00,320 --> 00:12:03,120 Speaker 2: we could ask these questions and like back each other. 234 00:12:03,400 --> 00:12:05,480 Speaker 2: If we had like a platform we could all connect on. 235 00:12:05,559 --> 00:12:07,360 Speaker 2: If you've been to one of my workshops, joined my 236 00:12:07,400 --> 00:12:09,440 Speaker 2: Facebook group, so like, if you went to one of 237 00:12:09,440 --> 00:12:12,439 Speaker 2: my early workshops, you know that my last slide was 238 00:12:12,480 --> 00:12:15,679 Speaker 2: always like a stay connected and it was like a 239 00:12:15,800 --> 00:12:19,520 Speaker 2: link to my Facebook group. And yeah, when that Facebook 240 00:12:19,559 --> 00:12:23,160 Speaker 2: group got big, got to like seventeen hundred people, I 241 00:12:23,200 --> 00:12:25,160 Speaker 2: remember thinking that was the most amount of people in 242 00:12:25,200 --> 00:12:27,320 Speaker 2: the entire universe. Beck Like, I just thought that was 243 00:12:27,320 --> 00:12:29,920 Speaker 2: so many people. It's close too. Yeah. I asked them 244 00:12:29,960 --> 00:12:32,560 Speaker 2: what they wanted, and they said video content and I 245 00:12:32,559 --> 00:12:34,719 Speaker 2: said absolutely not, like I hate being in front of 246 00:12:34,760 --> 00:12:38,200 Speaker 2: the camera, hypocritical. Now a right, look at it. I'll 247 00:12:38,200 --> 00:12:40,480 Speaker 2: give you a podcast. And so we went down that 248 00:12:40,640 --> 00:12:42,719 Speaker 2: route and then just never stopped. And I guess that's 249 00:12:42,720 --> 00:12:44,679 Speaker 2: where She's on the Money was born. But I think 250 00:12:44,720 --> 00:12:47,760 Speaker 2: a lot of people assume She's on the Money came first, 251 00:12:47,800 --> 00:12:51,160 Speaker 2: and then I built a business from that. But the 252 00:12:51,280 --> 00:12:55,280 Speaker 2: financial advice or the like more fuddy duddy legitimate business 253 00:12:55,320 --> 00:12:58,280 Speaker 2: has always been my like base or my foundation. 254 00:12:58,559 --> 00:13:02,319 Speaker 4: Yeah, okay, is such a beautiful origin story. 255 00:13:02,360 --> 00:13:06,280 Speaker 2: Thanks, I think, yeah, absolutely, I hadn't really ever thought 256 00:13:06,320 --> 00:13:08,160 Speaker 2: about it. But I find it funny when people are like, yeah, 257 00:13:08,160 --> 00:13:09,880 Speaker 2: it's so good that she's like built a business off 258 00:13:09,880 --> 00:13:11,240 Speaker 2: the back of She's on the money, and I'm kind 259 00:13:11,240 --> 00:13:14,400 Speaker 2: of like, well, no, like Zella, and its success meant 260 00:13:14,400 --> 00:13:17,160 Speaker 2: that I could do She's on the money and for 261 00:13:17,679 --> 00:13:20,240 Speaker 2: literal years, Beck, She's on the money made no money. 262 00:13:20,240 --> 00:13:22,600 Speaker 2: It actually cost me a lot of money. And that 263 00:13:22,720 --> 00:13:25,840 Speaker 2: money came from my financial advice business because I felt 264 00:13:25,880 --> 00:13:28,840 Speaker 2: like that was an investment that I was making. Yeah, 265 00:13:28,840 --> 00:13:30,840 Speaker 2: and it was something that I was so passionate about 266 00:13:30,880 --> 00:13:33,600 Speaker 2: I wanted to support. Now it definitely makes money and 267 00:13:33,640 --> 00:13:36,680 Speaker 2: it employs eight women full time, which is so cool. 268 00:13:37,160 --> 00:13:41,240 Speaker 2: But yeah, the financial advice business or now mortgage broking business, 269 00:13:41,280 --> 00:13:43,280 Speaker 2: I think is my bread and butter and where I 270 00:13:43,440 --> 00:13:46,079 Speaker 2: would say I spend most of my time. Yeah, people 271 00:13:46,120 --> 00:13:47,520 Speaker 2: again find very surprising. 272 00:13:47,640 --> 00:13:49,760 Speaker 4: I just think it's so lovely that really all you 273 00:13:49,760 --> 00:13:52,360 Speaker 4: want to do is teach people, and in particular women. 274 00:13:52,440 --> 00:13:54,880 Speaker 2: I'm obsessed with it, Beck, Like you know what, I'm like, 275 00:13:55,000 --> 00:13:56,640 Speaker 2: I'm like, I'll get you off air and I'll be like, 276 00:13:56,679 --> 00:13:59,560 Speaker 2: sit down, we're doing this. Can we talk about this? Like, oh, 277 00:13:59,559 --> 00:14:02,040 Speaker 2: you mentioned you're doing this? Is that the best decision? Like, 278 00:14:02,160 --> 00:14:04,280 Speaker 2: I just just want people to be in the best 279 00:14:04,320 --> 00:14:05,120 Speaker 2: possible position. 280 00:14:05,200 --> 00:14:09,199 Speaker 4: Absolutely that's so beautiful. Now, moving on, when you first 281 00:14:09,240 --> 00:14:11,600 Speaker 4: started She's the money. What made you think, Okay, this 282 00:14:11,679 --> 00:14:14,360 Speaker 4: could actually be something. Was there a moment or something 283 00:14:14,600 --> 00:14:17,760 Speaker 4: people were doing where you kind of realized people actually 284 00:14:17,800 --> 00:14:18,199 Speaker 4: want this? 285 00:14:18,360 --> 00:14:20,840 Speaker 2: Yeah? It was the Facebook group. Yeah, okay, so it 286 00:14:20,880 --> 00:14:24,120 Speaker 2: was literally that number seventeen hundred is like so solidified 287 00:14:24,160 --> 00:14:26,600 Speaker 2: in my head because I just remember thinking, like, can 288 00:14:26,640 --> 00:14:30,520 Speaker 2: you imagine seventeen hundred people in one room? Like huge exactly, 289 00:14:30,760 --> 00:14:33,800 Speaker 2: and like our numbers now in comparison astronomical, and I'm 290 00:14:33,840 --> 00:14:37,200 Speaker 2: so proud of it. But I just remember being like, wow, 291 00:14:37,240 --> 00:14:40,000 Speaker 2: like that's so many people. What should I do? And 292 00:14:40,040 --> 00:14:42,440 Speaker 2: it was at that point that I thought maybe we 293 00:14:42,480 --> 00:14:45,560 Speaker 2: could be a podcast, maybe we could do something. And 294 00:14:46,120 --> 00:14:48,720 Speaker 2: I mean initially I thought that the podcast would literally 295 00:14:48,760 --> 00:14:51,240 Speaker 2: be twelve episodes and that would be it. And then Beck, 296 00:14:51,280 --> 00:14:53,040 Speaker 2: if you had any questions, I'd send you back to 297 00:14:53,080 --> 00:14:56,360 Speaker 2: one of those twelve episodes that I'd done and you 298 00:14:56,400 --> 00:14:59,040 Speaker 2: could have the advice there. I thought that that would 299 00:14:59,080 --> 00:15:01,560 Speaker 2: be it, and that's why it's so funny. I actually 300 00:15:01,600 --> 00:15:03,760 Speaker 2: get a lot of messages about this. People were like, 301 00:15:03,800 --> 00:15:08,200 Speaker 2: weren't you involved with Shameless Media at the start? But yeah, absolutely, 302 00:15:08,280 --> 00:15:10,360 Speaker 2: And I think people think there's tea there to share. 303 00:15:10,480 --> 00:15:15,080 Speaker 2: They're like, oh, like, what happened nothing, Like we're still 304 00:15:15,120 --> 00:15:18,160 Speaker 2: on good terms. I just engaged them to produce the 305 00:15:18,200 --> 00:15:20,360 Speaker 2: first twelve episodes because I didn't know how to make 306 00:15:20,400 --> 00:15:23,800 Speaker 2: a podcast, and they were lovely and beautiful and all 307 00:15:23,840 --> 00:15:26,960 Speaker 2: of those things. But when the podcast literally blew up 308 00:15:27,000 --> 00:15:29,720 Speaker 2: and did really well, I don't think any of us 309 00:15:29,800 --> 00:15:32,960 Speaker 2: anticipated it to do as well. And they were a 310 00:15:32,960 --> 00:15:35,880 Speaker 2: thriving business that didn't have capacity to do another season 311 00:15:35,920 --> 00:15:39,040 Speaker 2: of the podcast when I wanted to, so I did 312 00:15:39,080 --> 00:15:43,880 Speaker 2: it myself. And that's the tea pic. I think people go, oh, well, 313 00:15:43,880 --> 00:15:47,360 Speaker 2: what happened there. It's like, well, they had some really 314 00:15:47,400 --> 00:15:50,360 Speaker 2: cool options on the table for them at the time, 315 00:15:50,920 --> 00:15:53,400 Speaker 2: and they'd already signed off on them. Like remember when 316 00:15:53,440 --> 00:15:57,280 Speaker 2: they did like Bumble podcast and like that love Like 317 00:15:57,320 --> 00:15:59,760 Speaker 2: they did so much cool stuff and their actual podcast 318 00:15:59,880 --> 00:16:02,520 Speaker 2: was thriving, Like they just didn't have capacity to do 319 00:16:02,640 --> 00:16:04,960 Speaker 2: another season and edit it all and you know, do 320 00:16:05,040 --> 00:16:07,200 Speaker 2: the hard yards with cheese on the money, so I 321 00:16:07,240 --> 00:16:09,720 Speaker 2: outsourced it and just did it myself. 322 00:16:09,880 --> 00:16:13,080 Speaker 4: That is not nearly as juicy as I'm so. 323 00:16:12,880 --> 00:16:15,520 Speaker 2: Sorry, Like I'm sure like if I called them up 324 00:16:15,560 --> 00:16:18,800 Speaker 2: and said, hey, let's make some juice out of this. Yeah, 325 00:16:18,920 --> 00:16:19,840 Speaker 2: we could find something. 326 00:16:19,920 --> 00:16:21,960 Speaker 4: You find something, We'll find something something up for me. 327 00:16:21,960 --> 00:16:25,520 Speaker 2: Would you yeah, okay, sorry, no, it's okay, okay. 328 00:16:25,560 --> 00:16:28,880 Speaker 4: Next question, Yes, if you were to start another business 329 00:16:29,200 --> 00:16:31,480 Speaker 4: in all your spare time, of course, because you have 330 00:16:31,520 --> 00:16:34,240 Speaker 4: so much spare time, what would you be looking at 331 00:16:34,320 --> 00:16:37,280 Speaker 4: to indicate it's a good business idea before moving forward 332 00:16:37,320 --> 00:16:37,640 Speaker 4: with it? 333 00:16:37,920 --> 00:16:41,560 Speaker 2: Oh, Beck, I want another business, but I feel like 334 00:16:41,640 --> 00:16:44,320 Speaker 2: it's like having children, Like at what point do you 335 00:16:44,400 --> 00:16:47,280 Speaker 2: just not have capacity for more? If I was to 336 00:16:47,280 --> 00:16:50,280 Speaker 2: do another business tomorrow, I would love it to be 337 00:16:50,320 --> 00:16:54,000 Speaker 2: product based. And I'm taking this question in two ways. 338 00:16:54,000 --> 00:16:56,000 Speaker 2: I'll answer it in a more general way in a 339 00:16:56,040 --> 00:16:57,840 Speaker 2: hot second. But like if it was me, i'd want 340 00:16:57,840 --> 00:17:00,640 Speaker 2: to do product and oh my god, I'd want to 341 00:17:00,680 --> 00:17:04,840 Speaker 2: do stationary like stationary Oh yes, Beck, Like I don't 342 00:17:04,840 --> 00:17:06,720 Speaker 2: think anyone saw that coming, But I'd want to do 343 00:17:06,840 --> 00:17:10,400 Speaker 2: like notebooks and planners and post it notes like all 344 00:17:10,440 --> 00:17:13,720 Speaker 2: of these, like esthetic ones like I would want like 345 00:17:13,840 --> 00:17:17,560 Speaker 2: little letter writing kids, like you know, really good quality 346 00:17:17,600 --> 00:17:21,680 Speaker 2: tactile paper, and like journals that you actually want to use, 347 00:17:21,880 --> 00:17:24,320 Speaker 2: like that are really well planned that like, don't just 348 00:17:24,400 --> 00:17:27,080 Speaker 2: do your diary, they do like your budget, Like these 349 00:17:27,080 --> 00:17:28,840 Speaker 2: are things that I would love to do in the future. 350 00:17:29,240 --> 00:17:32,239 Speaker 2: And I think it would work because I have an 351 00:17:32,280 --> 00:17:34,320 Speaker 2: audience who are already interested in that and they know 352 00:17:34,400 --> 00:17:37,120 Speaker 2: I love making a plan, like I don't think it's 353 00:17:37,160 --> 00:17:40,400 Speaker 2: a secret. I love organizing, I love planning. I love 354 00:17:40,440 --> 00:17:43,440 Speaker 2: a container like I think that that would bring all 355 00:17:43,480 --> 00:17:46,080 Speaker 2: of that together for me. And that's why I think, 356 00:17:46,520 --> 00:17:47,840 Speaker 2: you know, I would look at it and go, well, 357 00:17:47,880 --> 00:17:50,120 Speaker 2: that hopefully would work, and if it didn't work, I'd 358 00:17:50,160 --> 00:17:52,840 Speaker 2: have a really good time because up until now, the 359 00:17:52,920 --> 00:17:56,080 Speaker 2: businesses I've run a not product based, like I've never 360 00:17:56,240 --> 00:17:59,080 Speaker 2: apart from my books, never gotten to hold something in 361 00:17:59,160 --> 00:18:01,879 Speaker 2: my hands and be like, this is my product I 362 00:18:01,920 --> 00:18:05,040 Speaker 2: can sell, Like it would just be cool to see people, 363 00:18:05,600 --> 00:18:08,280 Speaker 2: you know, putting my product in their handbag and stuff 364 00:18:08,320 --> 00:18:11,320 Speaker 2: like that. But if I was to look at a 365 00:18:11,359 --> 00:18:13,720 Speaker 2: product and I didn't have a pre existing audience or 366 00:18:13,760 --> 00:18:15,359 Speaker 2: a business, and I was trying to work out whether 367 00:18:15,400 --> 00:18:18,800 Speaker 2: it was a good idea, I would really be working 368 00:18:18,840 --> 00:18:21,200 Speaker 2: out my community first. I would be wanting to look 369 00:18:21,200 --> 00:18:23,880 Speaker 2: at like, okay, cool, who am I actually serving here? 370 00:18:23,960 --> 00:18:26,639 Speaker 2: Because it's going to be much harder for you to 371 00:18:26,760 --> 00:18:29,359 Speaker 2: start a business if you're going to be trying to 372 00:18:29,440 --> 00:18:33,080 Speaker 2: convince someone that your product is important, Whereas if you 373 00:18:33,160 --> 00:18:37,239 Speaker 2: can create a community and then service their needs and 374 00:18:37,280 --> 00:18:40,680 Speaker 2: take them on the journey, you won't be selling. You'll 375 00:18:40,680 --> 00:18:44,439 Speaker 2: be responding to a need that your community has. So 376 00:18:44,520 --> 00:18:48,520 Speaker 2: I think working out, well, what problem does this product solve? Like, 377 00:18:48,560 --> 00:18:51,320 Speaker 2: what does this provide? How does this work? I think 378 00:18:51,400 --> 00:18:54,040 Speaker 2: is the question you need to be asking yourself. And 379 00:18:54,080 --> 00:18:57,480 Speaker 2: it's a hard question because sometimes you're wildly passionate about 380 00:18:57,480 --> 00:19:00,800 Speaker 2: something and it might just be you. So we need 381 00:19:00,800 --> 00:19:04,040 Speaker 2: to be a little bit more pragmatic about going Well, 382 00:19:04,119 --> 00:19:06,600 Speaker 2: let's just like look at this, like if I scaled this, 383 00:19:06,680 --> 00:19:08,359 Speaker 2: how many people are going to buy it? If I 384 00:19:08,480 --> 00:19:11,840 Speaker 2: did this, how many people want that service? And what 385 00:19:11,840 --> 00:19:16,080 Speaker 2: would their expectations be if I did offer it like time, energy, effort, 386 00:19:16,320 --> 00:19:19,119 Speaker 2: like the client experience. What does that all look like? 387 00:19:19,640 --> 00:19:21,920 Speaker 2: And I think that that's what I would be looking at. 388 00:19:22,080 --> 00:19:24,639 Speaker 4: Yeah, okay, so V when She's on the Money was 389 00:19:24,640 --> 00:19:26,800 Speaker 4: still a baby brand. How did you get people to care? 390 00:19:27,040 --> 00:19:29,240 Speaker 4: What did you do in the early days? It actually 391 00:19:29,359 --> 00:19:30,800 Speaker 4: helped you grow your audience. 392 00:19:31,080 --> 00:19:33,160 Speaker 2: I feel like that's a good one. But I don't 393 00:19:33,160 --> 00:19:35,040 Speaker 2: think I was trying to get you to care back right, 394 00:19:35,080 --> 00:19:40,080 Speaker 2: I think I've always taken the stance that I don't 395 00:19:40,200 --> 00:19:42,880 Speaker 2: need to convince you that you should care about my business, 396 00:19:43,440 --> 00:19:46,959 Speaker 2: Like if you do, that is so fantastic, and like, 397 00:19:47,320 --> 00:19:50,399 Speaker 2: come in, have a cup of tea, enjoy the time 398 00:19:50,800 --> 00:19:53,480 Speaker 2: that you have with us. But like, I'm not trying 399 00:19:53,480 --> 00:19:56,080 Speaker 2: to convince you that I'm the right business for you, 400 00:19:56,119 --> 00:19:59,720 Speaker 2: because I think that when brands do that, they often 401 00:19:59,760 --> 00:20:02,600 Speaker 2: die their value because they're trying to appeal to everybody. 402 00:20:03,119 --> 00:20:06,400 Speaker 2: Like I'm acutely aware that she's on the money isn't 403 00:20:06,440 --> 00:20:09,399 Speaker 2: for everybody, and I'm okay with that. I'm not trying 404 00:20:09,400 --> 00:20:11,840 Speaker 2: to be everything to everybody, because when you do, you 405 00:20:11,880 --> 00:20:15,240 Speaker 2: can't service the community that you have. So I don't 406 00:20:15,280 --> 00:20:18,840 Speaker 2: think I've ever been trying to convince people to care. 407 00:20:19,520 --> 00:20:23,920 Speaker 2: But if you're in my community, I am love bombing 408 00:20:24,000 --> 00:20:26,480 Speaker 2: the shit out if you, you know what I mean, Like, 409 00:20:26,600 --> 00:20:29,240 Speaker 2: once you're in, Like, I'm not trying to convince you 410 00:20:29,280 --> 00:20:32,920 Speaker 2: to care. I actually care, Like I care so much 411 00:20:32,920 --> 00:20:36,400 Speaker 2: about my community, and like I think anyone who's been 412 00:20:36,440 --> 00:20:39,800 Speaker 2: in my community knows that anyone who has been in 413 00:20:39,840 --> 00:20:42,679 Speaker 2: my team is like, oh no, Like v absolutely walks 414 00:20:42,720 --> 00:20:45,119 Speaker 2: the walk, and that's something I'm really proud of. But 415 00:20:45,640 --> 00:20:49,399 Speaker 2: I think that, yeah, I'm not trying to convince you 416 00:20:49,440 --> 00:20:52,439 Speaker 2: to care about my business. I'm actually trying to convince 417 00:20:52,480 --> 00:20:55,560 Speaker 2: you to care about yourself because I'm wildly passionate about 418 00:20:55,920 --> 00:20:58,680 Speaker 2: financial literacy and putting you in the best possible position. 419 00:20:58,880 --> 00:21:01,440 Speaker 2: And just like the way people light up when they 420 00:21:01,480 --> 00:21:04,760 Speaker 2: have more power, like that gives me so much gratification, 421 00:21:04,960 --> 00:21:07,560 Speaker 2: Like knowing that beck Is is probably getting a little 422 00:21:07,560 --> 00:21:12,919 Speaker 2: bit like not emotional but like ego maybe sure, But 423 00:21:13,160 --> 00:21:16,720 Speaker 2: like the idea that when I'm like sixty, there are 424 00:21:16,720 --> 00:21:19,080 Speaker 2: going to be women who are also sixty who are 425 00:21:19,119 --> 00:21:22,879 Speaker 2: retiring comfortably because they got advice from me. Yes, that's 426 00:21:23,000 --> 00:21:27,560 Speaker 2: so cool. That's very very cool. That's changing an entire generation. 427 00:21:28,000 --> 00:21:30,960 Speaker 2: And like, to me, just having an impact is why 428 00:21:31,400 --> 00:21:34,000 Speaker 2: I do what I do. And like, I'm not here 429 00:21:34,040 --> 00:21:36,880 Speaker 2: to convince you to care about my business, Like I don't. 430 00:21:36,920 --> 00:21:38,439 Speaker 2: If you don't like it and it's not for you, 431 00:21:38,760 --> 00:21:42,080 Speaker 2: move over, because there's somebody else I can be looking after. 432 00:21:42,119 --> 00:21:45,680 Speaker 2: There's somebody else I can provide immense value too. And 433 00:21:45,720 --> 00:21:48,440 Speaker 2: if it's not you, that's cool. Yeah, that's fine, that's fine, 434 00:21:48,560 --> 00:21:51,320 Speaker 2: that's fine. So how did I convince people to care? 435 00:21:51,480 --> 00:21:55,199 Speaker 2: I think by caring more about them than about what 436 00:21:55,240 --> 00:21:57,960 Speaker 2: they thought about me. I think profound. I don't know 437 00:21:58,000 --> 00:22:02,240 Speaker 2: if it's profound, but yeah, beautiful. I'm trying. I'm not 438 00:22:02,359 --> 00:22:04,719 Speaker 2: very articulate when you're asking questions about me, am I 439 00:22:05,040 --> 00:22:05,520 Speaker 2: a bit. 440 00:22:05,440 --> 00:22:08,440 Speaker 4: Like, oh no, you're doing a great job, and that's 441 00:22:08,440 --> 00:22:09,480 Speaker 4: why I do want to finish it. 442 00:22:09,520 --> 00:22:11,800 Speaker 2: Okay, all right, Well what else? If you got okay? 443 00:22:12,119 --> 00:22:14,040 Speaker 4: I want to know what do you think the difference 444 00:22:14,080 --> 00:22:16,720 Speaker 4: is between people who run a business and people who 445 00:22:16,720 --> 00:22:19,280 Speaker 4: build a brand, Like what actually separates the two. 446 00:22:19,600 --> 00:22:22,000 Speaker 2: That's a hard question to answer because I think that 447 00:22:22,080 --> 00:22:26,160 Speaker 2: they can be harmonious. But if you're building a business, 448 00:22:26,280 --> 00:22:30,320 Speaker 2: you're probably just thinking about okay, cool, I have my niche, 449 00:22:30,400 --> 00:22:32,639 Speaker 2: I have my product, I have my service. I just 450 00:22:33,080 --> 00:22:36,479 Speaker 2: one plus one equals to and then sales and profit 451 00:22:36,560 --> 00:22:38,960 Speaker 2: and revenue. Right. But I think when you're talking about 452 00:22:39,000 --> 00:22:41,399 Speaker 2: building a brand, you're zooming out from all of that. 453 00:22:41,480 --> 00:22:43,600 Speaker 2: Like that's important because you're not going to have a 454 00:22:43,600 --> 00:22:45,760 Speaker 2: sustainable brand if you're not caring about any of that, 455 00:22:46,160 --> 00:22:50,159 Speaker 2: but you're actually really diving deep into the community, what 456 00:22:50,280 --> 00:22:54,199 Speaker 2: people need, how you can serve them, what that looks like, 457 00:22:54,560 --> 00:22:58,480 Speaker 2: what real connection in your community looks like. And that's 458 00:22:58,520 --> 00:23:01,120 Speaker 2: what it takes to build a brand. And like if 459 00:23:01,119 --> 00:23:04,479 Speaker 2: I say, Heybeck collec list off some brands, more often 460 00:23:04,520 --> 00:23:08,199 Speaker 2: than not you will list off like oh, added US 461 00:23:08,240 --> 00:23:13,520 Speaker 2: and Apple and whatnot. And there's a very clear delineation 462 00:23:13,800 --> 00:23:16,040 Speaker 2: between a business and a brand when you can tell 463 00:23:16,080 --> 00:23:18,720 Speaker 2: me what that brand makes you feel, what that brand 464 00:23:18,760 --> 00:23:21,720 Speaker 2: makes me think, Like what do you think their vibe is? 465 00:23:21,760 --> 00:23:21,840 Speaker 1: Like? 466 00:23:21,920 --> 00:23:23,600 Speaker 2: You know what the answer is to all of those 467 00:23:23,680 --> 00:23:26,879 Speaker 2: You're like, oh yeah, Like Apple's kind of cool, it's edgy, 468 00:23:26,960 --> 00:23:29,040 Speaker 2: it's tech, it's this, you know what I mean? Like, 469 00:23:29,080 --> 00:23:32,520 Speaker 2: there's a vibe to these things. And a brand is 470 00:23:32,560 --> 00:23:35,800 Speaker 2: going to have people lining up for whatever you're about 471 00:23:35,800 --> 00:23:38,000 Speaker 2: to sell them. But a business is going to have 472 00:23:38,119 --> 00:23:41,719 Speaker 2: you trying to convince people that you are needed. So 473 00:23:41,880 --> 00:23:46,119 Speaker 2: from my perspective, building a brand is essential in twenty 474 00:23:46,160 --> 00:23:49,320 Speaker 2: twenty five. It's not about building a business and being 475 00:23:49,320 --> 00:23:51,119 Speaker 2: like yep, by service a need full stop like you 476 00:23:51,160 --> 00:23:53,280 Speaker 2: can do that. You could probably make millions doing that, 477 00:23:53,320 --> 00:23:56,600 Speaker 2: and that's fine, But if you have a product based 478 00:23:56,640 --> 00:23:59,840 Speaker 2: business or even a service based business, building a brand 479 00:23:59,880 --> 00:24:02,920 Speaker 2: is giving your business a personality. It's giving your business 480 00:24:03,160 --> 00:24:07,040 Speaker 2: a reason people want to connect with your business, not 481 00:24:07,160 --> 00:24:07,880 Speaker 2: just your product. 482 00:24:08,160 --> 00:24:08,400 Speaker 1: Yeah. 483 00:24:08,640 --> 00:24:11,240 Speaker 2: Yeah, so that's I don't know if that is. That 484 00:24:11,280 --> 00:24:13,560 Speaker 2: definitely does. I wish I got some of these questions 485 00:24:13,600 --> 00:24:15,080 Speaker 2: so I could have googled it and been like a 486 00:24:15,200 --> 00:24:18,720 Speaker 2: little bit more philosophical. But you get what you get apparently, Oh. 487 00:24:18,640 --> 00:24:20,280 Speaker 4: My god, and I'm happy with it. 488 00:24:20,800 --> 00:24:21,040 Speaker 1: Yeah. 489 00:24:21,080 --> 00:24:23,040 Speaker 4: There's like something like you know, you go to you 490 00:24:23,119 --> 00:24:25,320 Speaker 4: walk down the road and you see like those little 491 00:24:25,359 --> 00:24:28,119 Speaker 4: shops that fix your phone, and then you're like, you 492 00:24:28,240 --> 00:24:30,240 Speaker 4: need them when you need them. That's a business. 493 00:24:30,720 --> 00:24:31,359 Speaker 2: But then like. 494 00:24:31,560 --> 00:24:35,720 Speaker 4: Apple is kind of teasing something. We're lining up for 495 00:24:35,760 --> 00:24:39,200 Speaker 4: that exactly, see what you're saying. Yeah, that's a fantastic point. 496 00:24:39,200 --> 00:24:40,840 Speaker 4: How do we get people to line up for what 497 00:24:40,920 --> 00:24:43,920 Speaker 4: we're giving? And often it's about community and connection. 498 00:24:44,200 --> 00:24:44,840 Speaker 2: That's gorgeous. 499 00:24:45,080 --> 00:24:47,840 Speaker 4: Okay, what's something you did imperfectly at the start that 500 00:24:47,880 --> 00:24:51,040 Speaker 4: had a big impact and how do you stop perfectionism 501 00:24:51,480 --> 00:24:52,919 Speaker 4: from holding you back? Do you know what? 502 00:24:52,960 --> 00:24:56,080 Speaker 2: I was so rogue at the beginning, Like I think 503 00:24:56,119 --> 00:25:00,280 Speaker 2: because she's on the money really started in that Facebook group. 504 00:25:00,359 --> 00:25:02,320 Speaker 2: I was like, it's just Facebook group, No one's paying 505 00:25:02,320 --> 00:25:05,040 Speaker 2: to be here, doesn't matter, Like I was just posting 506 00:25:05,119 --> 00:25:08,840 Speaker 2: rogue stuff, like nothing inappropriate, but just like here's all 507 00:25:08,880 --> 00:25:10,760 Speaker 2: this stuff I have on super and it's full of 508 00:25:10,840 --> 00:25:13,560 Speaker 2: like spelling mistakes or like it was like me making 509 00:25:13,600 --> 00:25:16,560 Speaker 2: a graphic on my Microsoft PowerPoint and then screenshotting and 510 00:25:16,640 --> 00:25:18,560 Speaker 2: using that as the image to explain to you like 511 00:25:18,640 --> 00:25:22,760 Speaker 2: it was not perfect, like my first logo I made 512 00:25:22,840 --> 00:25:26,199 Speaker 2: on Microsoft PowerPoint and screenshot it and uploaded it like 513 00:25:26,359 --> 00:25:28,719 Speaker 2: it should be right, mate, Yeah, because I kind of 514 00:25:28,880 --> 00:25:31,359 Speaker 2: never thought it would be a really serious business. And 515 00:25:31,359 --> 00:25:34,159 Speaker 2: then when it became serious, I became a perfectionist, and 516 00:25:34,160 --> 00:25:37,240 Speaker 2: then I got analysis paralysis over like putting out perfect 517 00:25:37,240 --> 00:25:39,600 Speaker 2: content and making sure that things were really well. And 518 00:25:40,080 --> 00:25:42,520 Speaker 2: I still struggle with that. It's why I'm not showing 519 00:25:42,600 --> 00:25:44,119 Speaker 2: up at the moment on TikTok in the way that 520 00:25:44,200 --> 00:25:46,000 Speaker 2: I want to, because I'm like, well, how do I 521 00:25:46,040 --> 00:25:48,960 Speaker 2: create this content that they're asking me for? And my 522 00:25:49,080 --> 00:25:52,919 Speaker 2: team literally back like you know this, they shake me 523 00:25:53,119 --> 00:25:55,919 Speaker 2: and I literally like, Victoria, you're already doing it on 524 00:25:55,960 --> 00:25:59,760 Speaker 2: your Instagram stories. Like but for some reason. I just 525 00:25:59,800 --> 00:26:01,560 Speaker 2: want to make sure that if the video is going 526 00:26:01,600 --> 00:26:03,800 Speaker 2: to last longer than twenty four hours, like it's like 527 00:26:03,880 --> 00:26:06,760 Speaker 2: perfect or something. Yeah, fair, But you can see it's 528 00:26:06,760 --> 00:26:09,280 Speaker 2: holding me back, Like you know, I really want to 529 00:26:09,280 --> 00:26:12,280 Speaker 2: connect with the audience that I have built it and 530 00:26:12,359 --> 00:26:14,960 Speaker 2: hopefully will build into the future on TikTok, where like 531 00:26:15,040 --> 00:26:17,080 Speaker 2: I'm just shooting myself in the foot because I just 532 00:26:17,440 --> 00:26:20,760 Speaker 2: have this expectation of myself now that she's on the money, 533 00:26:20,800 --> 00:26:22,440 Speaker 2: is a business and does have a following. I just 534 00:26:22,480 --> 00:26:25,399 Speaker 2: don't want to mess it up. So I didn't do 535 00:26:25,480 --> 00:26:28,840 Speaker 2: anything perfectly at the start. I really did a done 536 00:26:28,920 --> 00:26:32,120 Speaker 2: is better than perfect kind of vibe, and I think 537 00:26:32,160 --> 00:26:34,359 Speaker 2: that as that started to happen, I started to put 538 00:26:34,400 --> 00:26:36,040 Speaker 2: more pressure on myself and I wish I could like 539 00:26:36,080 --> 00:26:38,520 Speaker 2: step back and be a little bit more imperfect. But 540 00:26:38,720 --> 00:26:41,399 Speaker 2: I think just trial and error and being honest with 541 00:26:41,440 --> 00:26:45,240 Speaker 2: yourself is the best way to run a business. Test 542 00:26:45,280 --> 00:26:48,359 Speaker 2: it doesn't work, don't do it again. So I trying, 543 00:26:48,760 --> 00:26:51,680 Speaker 2: like I'm all about testing things like oh cool, let's 544 00:26:51,680 --> 00:26:53,960 Speaker 2: get a free trial of this software, see how it goes. 545 00:26:54,000 --> 00:26:57,639 Speaker 2: If it doesn't work for me, delete no. Will you 546 00:26:57,640 --> 00:27:00,320 Speaker 2: know if you don't try exactly totally. 547 00:27:00,960 --> 00:27:03,640 Speaker 4: Okay, let's take a really quick break, because I feel 548 00:27:03,680 --> 00:27:06,000 Speaker 4: like I've thrown so many questions at you just a couple, 549 00:27:06,440 --> 00:27:08,120 Speaker 4: and I feel really bad about it. So I'm gonna 550 00:27:08,119 --> 00:27:09,720 Speaker 4: go how little bad. I'm going to leave, have a 551 00:27:09,760 --> 00:27:12,000 Speaker 4: little mental break, and when we come back, we're talking 552 00:27:12,040 --> 00:27:14,479 Speaker 4: about what She's the Money did differently, the stuff that 553 00:27:14,520 --> 00:27:17,680 Speaker 4: no one talks about, and the one thing more businesses 554 00:27:17,720 --> 00:27:24,919 Speaker 4: should be doing but probably aren't. Okay, guys, we are back, 555 00:27:25,000 --> 00:27:27,120 Speaker 4: and I need to know what did She's the Money 556 00:27:27,119 --> 00:27:29,720 Speaker 4: do differently that helped it grow the way it has, 557 00:27:29,800 --> 00:27:34,560 Speaker 4: And what's one underrated thing you wish more businesses focused on. 558 00:27:34,800 --> 00:27:38,199 Speaker 2: I think when we started She's on the Money, I 559 00:27:38,280 --> 00:27:41,919 Speaker 2: didn't realize how necessary She's on the Money was like, 560 00:27:42,000 --> 00:27:45,359 Speaker 2: we're talking to an audience of women who haven't felt 561 00:27:45,359 --> 00:27:50,240 Speaker 2: included in finance conversations until now. And I mean, there 562 00:27:50,280 --> 00:27:52,520 Speaker 2: are a lot of options on the table now when 563 00:27:52,520 --> 00:27:55,320 Speaker 2: it comes to finance content creators, and that's great, Like 564 00:27:55,440 --> 00:27:59,679 Speaker 2: I actually love that because the more content that you 565 00:27:59,720 --> 00:28:02,600 Speaker 2: can absorbed when it comes to money, the better. But 566 00:28:02,720 --> 00:28:05,879 Speaker 2: I think that we were offering a space where people 567 00:28:05,960 --> 00:28:09,720 Speaker 2: felt like they could have these conversations like it used 568 00:28:09,760 --> 00:28:13,160 Speaker 2: to be gate kept by the mediocre, middle aged white 569 00:28:13,240 --> 00:28:15,879 Speaker 2: man who was using an acronym here and there, because 570 00:28:15,880 --> 00:28:17,560 Speaker 2: it made you feel like you weren't in the loop 571 00:28:17,640 --> 00:28:21,280 Speaker 2: or in the conversation or didn't understand. And this stuff 572 00:28:21,320 --> 00:28:24,520 Speaker 2: isn't complicated, like and I say that in the nicest 573 00:28:24,560 --> 00:28:27,480 Speaker 2: possible way, because if you're finding it complicated, that makes 574 00:28:27,520 --> 00:28:30,280 Speaker 2: sense because you've never focused on it before. But once 575 00:28:30,520 --> 00:28:33,000 Speaker 2: I've taught you, once you have learned, you go, oh, 576 00:28:33,080 --> 00:28:36,640 Speaker 2: that's easy. V. Like I liken it to being able 577 00:28:36,640 --> 00:28:39,160 Speaker 2: to ride a bike, Like at the very start, it's hard. 578 00:28:39,160 --> 00:28:41,640 Speaker 2: You're going to fall off, Like you might graze your knee, 579 00:28:41,680 --> 00:28:44,280 Speaker 2: you might have a really hard time. It might be 580 00:28:44,320 --> 00:28:47,360 Speaker 2: really stressful, like you don't want the person teaching you 581 00:28:47,360 --> 00:28:49,040 Speaker 2: how to ride the bike to let go because you 582 00:28:49,120 --> 00:28:52,239 Speaker 2: might fall over, Like it's really scary. But then you know, 583 00:28:52,360 --> 00:28:54,400 Speaker 2: once you've learned how to ride a bike, you can 584 00:28:54,440 --> 00:28:56,560 Speaker 2: get on one after ten years and ride it with 585 00:28:57,200 --> 00:29:01,080 Speaker 2: no issues. And I think that that's what finances, like, 586 00:29:01,080 --> 00:29:03,000 Speaker 2: like you've never learned, why would you know how to 587 00:29:03,040 --> 00:29:05,040 Speaker 2: do it? But then all of a sudden, it just 588 00:29:05,080 --> 00:29:08,680 Speaker 2: becomes inherent and it becomes second nature and it's not hard, 589 00:29:09,000 --> 00:29:11,240 Speaker 2: and that's what I mean. It's not complex. And I 590 00:29:11,280 --> 00:29:16,480 Speaker 2: feel like, for literal years the space has been made 591 00:29:16,560 --> 00:29:20,640 Speaker 2: up of people who have made a lot of money 592 00:29:20,840 --> 00:29:25,600 Speaker 2: from taking advantage of your naivity, and I find that gross. 593 00:29:25,920 --> 00:29:28,200 Speaker 2: And so I think that's why I've worked so hard 594 00:29:28,360 --> 00:29:31,840 Speaker 2: to have Sheese on the Money and have a space 595 00:29:31,920 --> 00:29:37,000 Speaker 2: that women feel accepted and can ask the quote silly 596 00:29:37,120 --> 00:29:40,480 Speaker 2: questions because they've never had someone that they've felt safe 597 00:29:40,520 --> 00:29:43,200 Speaker 2: to ask those questions too. It's funny. I did an 598 00:29:43,280 --> 00:29:46,040 Speaker 2: Instagram Q and a last night beck and someone asked me, like, 599 00:29:46,160 --> 00:29:49,000 Speaker 2: why are all your team members female? And I was like, 600 00:29:49,680 --> 00:29:52,320 Speaker 2: how cool is it that I have been able to 601 00:29:52,440 --> 00:29:56,680 Speaker 2: create a space in a sector that is dominated by men, 602 00:29:56,720 --> 00:30:00,280 Speaker 2: that is entirely run by women. That's cool, That's cool. Yeah, 603 00:30:00,480 --> 00:30:03,680 Speaker 2: Like I don't want to change that, Like it's not 604 00:30:03,720 --> 00:30:07,880 Speaker 2: actually my recruitment strategy, but maybe it should be. But 605 00:30:08,000 --> 00:30:10,280 Speaker 2: at the end of the day, like we have women 606 00:30:10,520 --> 00:30:14,840 Speaker 2: running my mortgage broking business. There's like sixteen of them 607 00:30:15,200 --> 00:30:17,480 Speaker 2: running a mortgage breaking business, and then there's you know, 608 00:30:17,600 --> 00:30:19,400 Speaker 2: eight of us in She's on the Money and we're 609 00:30:19,440 --> 00:30:23,400 Speaker 2: all just women. And we're killing it and I love that, 610 00:30:23,840 --> 00:30:27,320 Speaker 2: and I think that is yeah, we're just walking the 611 00:30:27,320 --> 00:30:30,080 Speaker 2: walok So when it comes to you know, she's on 612 00:30:30,160 --> 00:30:33,920 Speaker 2: the money and what we've done help us grow, I 613 00:30:33,920 --> 00:30:36,280 Speaker 2: think it's about staying true to our roots, like we are. 614 00:30:36,320 --> 00:30:38,120 Speaker 2: At the end of the day, she's on the money. 615 00:30:38,640 --> 00:30:41,480 Speaker 2: And you know, I have had regrets before and been like, oh, 616 00:30:41,560 --> 00:30:43,360 Speaker 2: I wish I didn't call it she's on the money 617 00:30:43,400 --> 00:30:46,280 Speaker 2: because it's not, you know, as inclusive as it could be. 618 00:30:46,920 --> 00:30:48,960 Speaker 2: But I feel like once people are in our community, 619 00:30:49,000 --> 00:30:50,720 Speaker 2: they know I don't get who you are. You're a guy, 620 00:30:50,760 --> 00:30:53,160 Speaker 2: and you resonate with my content, it'slaking come in. I 621 00:30:53,200 --> 00:30:56,040 Speaker 2: don't care. It's for you as well. If you resonate 622 00:30:56,040 --> 00:30:58,680 Speaker 2: with my content, you are welcome. But I would say 623 00:30:59,200 --> 00:31:02,760 Speaker 2: when it comes to to like an underrated thing that 624 00:31:02,960 --> 00:31:06,320 Speaker 2: we didn't focus on early enough and that other businesses 625 00:31:06,360 --> 00:31:09,600 Speaker 2: could focus on, I would say, is like that email 626 00:31:09,680 --> 00:31:13,040 Speaker 2: marketing side of themes? Yeah, okay, So you know how 627 00:31:13,120 --> 00:31:14,960 Speaker 2: like you get on social media and you see heaps 628 00:31:15,000 --> 00:31:18,640 Speaker 2: of followers and you just think that's really impressive. They're 629 00:31:18,680 --> 00:31:22,160 Speaker 2: not necessarily your customers. They're not necessarily brought into the journey. 630 00:31:22,200 --> 00:31:24,800 Speaker 2: They just hit follow and you don't actually own them 631 00:31:24,920 --> 00:31:29,040 Speaker 2: like Instagram does or Facebook does or TikTok does. And 632 00:31:29,120 --> 00:31:31,360 Speaker 2: so for me, I think it would be about owning 633 00:31:31,400 --> 00:31:34,040 Speaker 2: my audience sooner so that if any of those platforms 634 00:31:34,120 --> 00:31:36,120 Speaker 2: went down, like go, I have your email, don't worry. 635 00:31:36,160 --> 00:31:38,120 Speaker 2: I can keep you in the loop. I can email you, 636 00:31:38,240 --> 00:31:42,480 Speaker 2: I can create a one on one connection. So I 637 00:31:42,520 --> 00:31:45,640 Speaker 2: think that that's where a lot of companies are not 638 00:31:45,840 --> 00:31:48,640 Speaker 2: making hey while the sun is shining, like especially if 639 00:31:48,640 --> 00:31:51,960 Speaker 2: they have like videos going viral and stuff, collect that 640 00:31:52,160 --> 00:31:56,120 Speaker 2: content like make them your community as opposed to just 641 00:31:56,160 --> 00:31:58,240 Speaker 2: a community that follow you on social media, which is 642 00:31:58,280 --> 00:32:01,920 Speaker 2: not yours. Yeah, yeah, that's yeah, that's what I think. Cool. 643 00:32:02,000 --> 00:32:05,640 Speaker 4: Okay, now you said email list, I did. Do you 644 00:32:05,720 --> 00:32:08,800 Speaker 4: have any tips on growing an email lists? Okay, making sales. 645 00:32:08,920 --> 00:32:11,120 Speaker 2: I think that when it comes to growing your DM, 646 00:32:11,520 --> 00:32:14,000 Speaker 2: a lot of people are really focusing on this idea 647 00:32:14,080 --> 00:32:18,040 Speaker 2: that that is really content heavy, Like, oh my goodness, Beck, 648 00:32:18,120 --> 00:32:19,880 Speaker 2: I'm going to have to, you know, send them a 649 00:32:19,880 --> 00:32:21,960 Speaker 2: newsletter every week, and that's a lot of work and 650 00:32:22,000 --> 00:32:24,920 Speaker 2: I don't have time for that. But like, you don't 651 00:32:24,920 --> 00:32:27,800 Speaker 2: have to send out a newsletter every week, Like you 652 00:32:27,920 --> 00:32:30,640 Speaker 2: can literally do whatever you want because it's your business. 653 00:32:30,680 --> 00:32:30,840 Speaker 3: Beck. 654 00:32:30,960 --> 00:32:34,000 Speaker 2: Yeah, true, but for me, I would you know, if 655 00:32:34,040 --> 00:32:36,760 Speaker 2: I was just starting. I want to treat people who 656 00:32:36,840 --> 00:32:39,560 Speaker 2: join my email list as like the vps, because they've 657 00:32:39,640 --> 00:32:43,560 Speaker 2: like given you their information to contact them, so like, 658 00:32:43,720 --> 00:32:47,480 Speaker 2: don't spam them, don't abuse that, but like tell them 659 00:32:47,520 --> 00:32:50,440 Speaker 2: that they're the vps, like send them a welcome email 660 00:32:50,480 --> 00:32:52,440 Speaker 2: to be like, hey, you know, it could be you, 661 00:32:52,600 --> 00:32:55,320 Speaker 2: Like you've got your small business on the side, Beck, 662 00:32:55,400 --> 00:32:58,560 Speaker 2: and you are very creative, but like you could do 663 00:32:58,680 --> 00:33:01,560 Speaker 2: an EDM where people sign up and you go, hey, 664 00:33:01,720 --> 00:33:04,120 Speaker 2: thanks for signing up. I'm Beck. Here's what to expect 665 00:33:04,160 --> 00:33:07,480 Speaker 2: from me. Like I'm rogue, I do crufts, I do art, 666 00:33:07,600 --> 00:33:09,720 Speaker 2: I do all of these things. I'm not going to 667 00:33:09,720 --> 00:33:13,240 Speaker 2: blow up your inboxing list. It's really important and you're 668 00:33:13,280 --> 00:33:16,440 Speaker 2: my VIP and you're on this VIP list, so if 669 00:33:16,480 --> 00:33:18,320 Speaker 2: I do anything cool, you're going to be the first 670 00:33:18,360 --> 00:33:21,200 Speaker 2: to know about it. Yeah totally, Okay, So like, okay, 671 00:33:21,280 --> 00:33:25,480 Speaker 2: you set the expectations and then maybe you're just updating them. 672 00:33:25,840 --> 00:33:27,480 Speaker 2: So like you don't even have to send out a 673 00:33:27,520 --> 00:33:29,360 Speaker 2: weekly or even a monthly email, but like you do 674 00:33:29,400 --> 00:33:32,200 Speaker 2: something call beck you make a new creation, maybe you 675 00:33:32,240 --> 00:33:34,760 Speaker 2: send out an email because you're excited about it. Your 676 00:33:34,760 --> 00:33:38,040 Speaker 2: community want to share that excitement with you. Maybe you know, 677 00:33:38,160 --> 00:33:40,360 Speaker 2: flip it back to Sheese on the Money, Like I'm 678 00:33:40,400 --> 00:33:43,240 Speaker 2: so grateful that people join. I'm always sending free stuff 679 00:33:43,280 --> 00:33:48,040 Speaker 2: to them, like free spreadsheets, downloadable like savings trackers. Like 680 00:33:48,120 --> 00:33:51,160 Speaker 2: if I think of making something gol, I'm so excited 681 00:33:51,160 --> 00:33:52,520 Speaker 2: to have a business that I can do this. But 682 00:33:52,640 --> 00:33:55,080 Speaker 2: like I'm making a savings tracker and then my team 683 00:33:55,160 --> 00:33:59,000 Speaker 2: are sending it out to you, Like, make it something 684 00:33:59,040 --> 00:34:01,960 Speaker 2: that they want to be a part of, because then 685 00:34:02,160 --> 00:34:06,000 Speaker 2: ultimately down the road that can become your sales funnel. 686 00:34:06,360 --> 00:34:09,160 Speaker 2: Those are people that want what you're giving. So I 687 00:34:09,200 --> 00:34:12,480 Speaker 2: think it's when it comes to like growing an email list, 688 00:34:12,560 --> 00:34:15,359 Speaker 2: I would always say give more than you take, Like 689 00:34:15,840 --> 00:34:18,440 Speaker 2: give them links to things like Beckett. Doesn't even have 690 00:34:18,520 --> 00:34:20,279 Speaker 2: to be like stuff, Like you don't have to give 691 00:34:20,320 --> 00:34:23,719 Speaker 2: them free art, but like if it was your email list, 692 00:34:23,960 --> 00:34:25,960 Speaker 2: you could give them a list of like your favorite 693 00:34:26,000 --> 00:34:29,480 Speaker 2: websites that you know have other art on them, or 694 00:34:29,480 --> 00:34:32,400 Speaker 2: it could be a book list like here's Beck's favorite books. 695 00:34:32,440 --> 00:34:35,520 Speaker 2: Like as a little hot tip like people are often joining, 696 00:34:35,600 --> 00:34:38,560 Speaker 2: especially if you're a small business, because of you individually. 697 00:34:39,160 --> 00:34:40,600 Speaker 2: Give them a little bit of insight, give them a 698 00:34:40,640 --> 00:34:43,440 Speaker 2: little bit of juice. They love that. And then when 699 00:34:43,480 --> 00:34:47,200 Speaker 2: it comes to making sales you've already made friends. Use 700 00:34:47,280 --> 00:34:51,640 Speaker 2: that VIP structure. Hey, you're my VOP. I've just released 701 00:34:51,680 --> 00:34:53,759 Speaker 2: this new printer. I've just done this and I'm going 702 00:34:53,840 --> 00:34:55,040 Speaker 2: to offer it to you first. 703 00:34:55,400 --> 00:34:55,560 Speaker 1: Yeah. 704 00:34:55,600 --> 00:34:58,120 Speaker 2: Yeah, man, social media can find out about it later. 705 00:34:58,680 --> 00:35:01,440 Speaker 2: Make them feel special. She knows that she's doing I 706 00:35:01,480 --> 00:35:02,239 Speaker 2: do try. 707 00:35:03,719 --> 00:35:03,879 Speaker 1: Well. 708 00:35:03,880 --> 00:35:07,520 Speaker 4: Thank you feud for all the insider trading knowledge. Yeah yeah, yeah, 709 00:35:07,560 --> 00:35:08,960 Speaker 4: don't ta keep it out of my back pocket. Yeah, 710 00:35:09,000 --> 00:35:10,919 Speaker 4: I don't tell anybody. No, I won't tell anyone. Let's 711 00:35:10,920 --> 00:35:12,080 Speaker 4: not even release this episode. 712 00:35:12,120 --> 00:35:12,480 Speaker 2: Actually. 713 00:35:12,920 --> 00:35:17,400 Speaker 4: Okay, so you've juggled a lot over the years, study, work, business, motherhood, life. 714 00:35:17,800 --> 00:35:20,879 Speaker 4: What do you go to tips, habits or mindset shifts 715 00:35:20,920 --> 00:35:23,080 Speaker 4: for not burning out when everything's happening at once. 716 00:35:23,640 --> 00:35:26,239 Speaker 2: Like, I can give you some tips back that work 717 00:35:26,320 --> 00:35:27,880 Speaker 2: for me, they might not work for you. But I 718 00:35:27,920 --> 00:35:30,359 Speaker 2: also need to disclaim this that I have burnt out 719 00:35:30,400 --> 00:35:33,560 Speaker 2: officially twice in my life, and I am not proud 720 00:35:33,640 --> 00:35:37,000 Speaker 2: of that. It's because I just lied to myself and 721 00:35:37,160 --> 00:35:38,920 Speaker 2: was like, this is fine. This is what all business 722 00:35:39,000 --> 00:35:40,960 Speaker 2: owners should be doing. They shouldn't be doing this back, 723 00:35:41,000 --> 00:35:42,840 Speaker 2: like I've ended up in hospital twice. I ended up 724 00:35:42,880 --> 00:35:46,440 Speaker 2: with shingles last time. One out of ten cannot recommend. 725 00:35:46,880 --> 00:35:50,480 Speaker 2: But I think it's about having a good idea of 726 00:35:50,520 --> 00:35:53,440 Speaker 2: what balance looks like to you, Like knowing what your 727 00:35:53,640 --> 00:35:57,000 Speaker 2: priorities are and what you want to prioritize, because I 728 00:35:57,000 --> 00:36:00,160 Speaker 2: think that often as a business owner, you assume who 729 00:36:00,440 --> 00:36:02,480 Speaker 2: you're meant to do a lot of things, Like I 730 00:36:02,600 --> 00:36:05,560 Speaker 2: used to beck assume that to be the best business owner, 731 00:36:05,600 --> 00:36:07,280 Speaker 2: I had to be the first one in the office 732 00:36:07,400 --> 00:36:10,200 Speaker 2: every single morning. I had to go to the gym first. 733 00:36:10,320 --> 00:36:12,280 Speaker 2: I had to be the first one at my desk. 734 00:36:12,320 --> 00:36:13,920 Speaker 2: I had to greet you all. I had to be 735 00:36:13,960 --> 00:36:18,400 Speaker 2: the one leaving last. Like all of these outdated ideas 736 00:36:18,480 --> 00:36:21,520 Speaker 2: that that doesn't mean anything. So I think that making 737 00:36:21,560 --> 00:36:24,680 Speaker 2: sure that you understand what helps you thrive. I think 738 00:36:24,719 --> 00:36:27,000 Speaker 2: it's so lame when people are like I just do 739 00:36:27,160 --> 00:36:31,520 Speaker 2: parlattis like great, that works for you, but like doing 740 00:36:31,600 --> 00:36:35,200 Speaker 2: that doesn't actually make you a better business owner. Understanding 741 00:36:35,239 --> 00:36:38,480 Speaker 2: that maybe moving your body physically is something that helps you. 742 00:36:38,680 --> 00:36:40,640 Speaker 2: For some people, they're like I can't think of anything 743 00:36:40,680 --> 00:36:43,520 Speaker 2: worse than going to a pilates class after a long day, 744 00:36:43,760 --> 00:36:45,840 Speaker 2: Like I want to go home and lay on my 745 00:36:45,880 --> 00:36:48,759 Speaker 2: bed for twenty minutes and mindlessly scroll on TikTok. And 746 00:36:48,800 --> 00:36:52,879 Speaker 2: that's valid too, So I think for me, my go 747 00:36:52,920 --> 00:36:56,880 Speaker 2: to like habits and tips are more about just like 748 00:36:57,280 --> 00:37:01,400 Speaker 2: having a structured calendar, making sure that those times that 749 00:37:01,440 --> 00:37:04,880 Speaker 2: you want to protect are carved out. Like my team, No, 750 00:37:05,120 --> 00:37:08,200 Speaker 2: I do not take meetings on Mondays or Fridays. End 751 00:37:08,200 --> 00:37:10,319 Speaker 2: of story. You can contact me. You can call me 752 00:37:10,440 --> 00:37:12,759 Speaker 2: and if I'm available at the time, I'll answer, but 753 00:37:12,880 --> 00:37:16,640 Speaker 2: like not always, and we have those boundaries in place 754 00:37:16,719 --> 00:37:20,520 Speaker 2: because I'm with my son, like I want to prioritize that. 755 00:37:20,719 --> 00:37:22,800 Speaker 2: But I also am aware that I run a business, 756 00:37:23,040 --> 00:37:26,040 Speaker 2: so I need to make sure that that's still thriving, 757 00:37:26,040 --> 00:37:28,160 Speaker 2: because in a way, that's a baby as well. When 758 00:37:28,200 --> 00:37:32,040 Speaker 2: it comes to mindset shifts, I just I'm one of 759 00:37:32,080 --> 00:37:36,320 Speaker 2: those hippiedp people that like thrives on gratitude, Like I 760 00:37:36,400 --> 00:37:39,200 Speaker 2: love gratitude and I feel like it brings so much 761 00:37:39,239 --> 00:37:41,360 Speaker 2: to my life, Like I'm just so lucky to be 762 00:37:41,440 --> 00:37:43,640 Speaker 2: able to do what I do. Like, I'm so lucky 763 00:37:43,640 --> 00:37:45,719 Speaker 2: to have my team. I am so lucky to have 764 00:37:46,040 --> 00:37:50,080 Speaker 2: the family that I have. Like, and often if I'm 765 00:37:50,120 --> 00:37:52,239 Speaker 2: overwhelmed and it's like three am and I'm like up 766 00:37:52,280 --> 00:37:55,040 Speaker 2: with my baby really late back, which is no fun, 767 00:37:55,480 --> 00:37:57,800 Speaker 2: I just go, you know what, Like, I'm so lucky. 768 00:37:57,880 --> 00:38:00,920 Speaker 2: There are so many people that would do what to 769 00:38:00,960 --> 00:38:04,080 Speaker 2: be in my position right now with a screaming baby. 770 00:38:04,480 --> 00:38:07,279 Speaker 2: And I also like try to zoom out and be like, oh, 771 00:38:07,400 --> 00:38:10,680 Speaker 2: this isn't fun. But like I can almost guarantee that 772 00:38:10,760 --> 00:38:14,000 Speaker 2: if I was eighty, sitting in my rocking chair on 773 00:38:14,239 --> 00:38:16,680 Speaker 2: the front porch of my house, reflecting on life, I 774 00:38:16,680 --> 00:38:19,600 Speaker 2: would give anything for one more day here. Yeah, like 775 00:38:19,760 --> 00:38:22,640 Speaker 2: how cool, Like think of me at eighty. I would 776 00:38:22,760 --> 00:38:25,160 Speaker 2: love to go back and podcast for another day. Or 777 00:38:25,200 --> 00:38:27,239 Speaker 2: I'd love to go back to my team and see 778 00:38:27,239 --> 00:38:29,080 Speaker 2: what do you know what I mean? Like, I think 779 00:38:29,080 --> 00:38:31,200 Speaker 2: that when you can shift your mindset and like that's 780 00:38:31,239 --> 00:38:33,040 Speaker 2: not easy to do, but when you can shift your 781 00:38:33,040 --> 00:38:36,800 Speaker 2: mindset and make it really resonate with yourself, that's helpful. 782 00:38:37,080 --> 00:38:38,920 Speaker 2: And that's true. It might not work for you, but 783 00:38:39,520 --> 00:38:41,880 Speaker 2: that really works for me. So I think gratitude and 784 00:38:41,920 --> 00:38:44,720 Speaker 2: being able to go, oh my god, like I'm so lucky. 785 00:38:45,360 --> 00:38:47,480 Speaker 2: And I have a list in my phone. I have 786 00:38:47,640 --> 00:38:49,440 Speaker 2: like it's pinned to the top and it's like good 787 00:38:49,480 --> 00:38:51,319 Speaker 2: things happen to good people, and then I just write 788 00:38:51,360 --> 00:38:54,520 Speaker 2: down good things that happened to me. It's gorgeous. Lame. No, 789 00:38:54,680 --> 00:38:57,000 Speaker 2: that's not lame at all. I really like that. Okay, 790 00:38:57,080 --> 00:38:59,680 Speaker 2: v finally, okay, last one. Oh my goodness. 791 00:38:59,800 --> 00:39:02,120 Speaker 4: And it's only because we've run out of time and 792 00:39:02,160 --> 00:39:04,040 Speaker 4: not because I don't have many more questions. 793 00:39:04,840 --> 00:39:08,839 Speaker 2: So if people want more, you're gonna go fishing and 794 00:39:08,880 --> 00:39:10,399 Speaker 2: be like did you want me to do that? 795 00:39:10,680 --> 00:39:13,239 Speaker 4: I think the burning question right now for everyone is 796 00:39:13,360 --> 00:39:14,640 Speaker 4: how much was Scooby? 797 00:39:14,760 --> 00:39:14,880 Speaker 3: Oh? 798 00:39:14,880 --> 00:39:16,160 Speaker 2: It was like do you know what it was? Like 799 00:39:16,360 --> 00:39:18,680 Speaker 2: gold coins? I think it was two gold coins, so 800 00:39:18,800 --> 00:39:20,279 Speaker 2: like you know, like I think it was like three 801 00:39:20,320 --> 00:39:23,600 Speaker 2: dollars because it would be mad. Yeah, well I needed 802 00:39:24,000 --> 00:39:26,759 Speaker 2: three at least, because like I needed that for the 803 00:39:26,800 --> 00:39:30,759 Speaker 2: canteen at school. Oh clever. Yeah that's good. I feel like, 804 00:39:30,800 --> 00:39:33,560 Speaker 2: as a kid, you can't ask for notes. No, that's true. 805 00:39:33,920 --> 00:39:35,759 Speaker 2: Notes are like you don't feel like they have this 806 00:39:35,960 --> 00:39:38,319 Speaker 2: yeah much value. I honestly, I wish I could go 807 00:39:38,400 --> 00:39:42,040 Speaker 2: back and like remember this properly. But I'm pretty sure 808 00:39:42,160 --> 00:39:44,879 Speaker 2: it was really dependent on your colors too. So if 809 00:39:44,880 --> 00:39:46,759 Speaker 2: you wanted like the scoobies, I don't know if you 810 00:39:46,760 --> 00:39:49,319 Speaker 2: remember them, like you would like braid them. And I 811 00:39:49,400 --> 00:39:52,399 Speaker 2: made bracelets and I made key chains, and people would 812 00:39:52,400 --> 00:39:55,200 Speaker 2: put the key chains on their pencil cases at school. 813 00:39:55,480 --> 00:39:57,319 Speaker 2: I think it was color dependent. So if you wanted 814 00:39:57,320 --> 00:39:59,719 Speaker 2: two colors, it was like, I think, like three dollars, 815 00:39:59,760 --> 00:40:01,680 Speaker 2: and if you wanted like more colors, it was like 816 00:40:01,719 --> 00:40:04,440 Speaker 2: four dollars or something. Oh, that's so cool. I don't 817 00:40:04,440 --> 00:40:07,239 Speaker 2: know if bracelets or like keychains were more or less. 818 00:40:07,239 --> 00:40:09,839 Speaker 2: I can't remember. Like I didn't provide the keychain part, 819 00:40:09,920 --> 00:40:11,719 Speaker 2: just the scooby part and you had to attach it 820 00:40:11,719 --> 00:40:14,480 Speaker 2: yourself just of course. Yeah, like I'm not an actual 821 00:40:14,520 --> 00:40:15,320 Speaker 2: business guys. 822 00:40:15,520 --> 00:40:17,640 Speaker 4: Sorry to Tricky. That was not the last question. Yes, 823 00:40:17,920 --> 00:40:19,160 Speaker 4: so there is one more question. 824 00:40:19,320 --> 00:40:19,960 Speaker 2: Yes, what is it? 825 00:40:20,080 --> 00:40:21,920 Speaker 4: And this one is I feel like a good one 826 00:40:22,000 --> 00:40:25,040 Speaker 4: to end on. What are your favorite time saving hacks? 827 00:40:25,040 --> 00:40:26,560 Speaker 4: And what do you automate? 828 00:40:26,800 --> 00:40:31,360 Speaker 2: Oh? I automate everything. What's my favorite time saving hack? 829 00:40:31,760 --> 00:40:34,480 Speaker 2: Having a great team? Is that a good time saving hack? 830 00:40:34,760 --> 00:40:38,239 Speaker 2: We're done? No, Honestly, I think time saving hack is 831 00:40:38,320 --> 00:40:41,960 Speaker 2: just having clear process so like everybody is on the 832 00:40:42,000 --> 00:40:44,719 Speaker 2: same page about how we do things what we do 833 00:40:44,880 --> 00:40:47,759 Speaker 2: so whether that is creating the podcast or if that 834 00:40:47,920 --> 00:40:51,320 Speaker 2: is in my mortgage breaking business, like in my mortgage 835 00:40:51,320 --> 00:40:55,640 Speaker 2: breaking business, where you have automated so much like emails, 836 00:40:55,800 --> 00:40:57,799 Speaker 2: like the second you book in with us, you get 837 00:40:57,800 --> 00:41:01,600 Speaker 2: an automated email that triggers to send to you to 838 00:41:01,680 --> 00:41:04,359 Speaker 2: go okay, cool, thank you so much for booking their 839 00:41:04,440 --> 00:41:06,400 Speaker 2: Here your links here is like a link to our 840 00:41:06,400 --> 00:41:08,600 Speaker 2: clients center that you need to fill out. And I 841 00:41:08,640 --> 00:41:10,840 Speaker 2: would say that saves us a lot of time because 842 00:41:10,880 --> 00:41:14,560 Speaker 2: like you don't have to send that individually out to clients. 843 00:41:14,560 --> 00:41:17,359 Speaker 2: And on the flip side, like when clients beat a 844 00:41:17,360 --> 00:41:19,719 Speaker 2: certain trigger point, like they've finished their loan and we've 845 00:41:19,719 --> 00:41:23,000 Speaker 2: settled their loan and we're so excited. Like one thing 846 00:41:23,080 --> 00:41:26,919 Speaker 2: that obviously helps me is like positive reviews, Like we've 847 00:41:26,960 --> 00:41:30,200 Speaker 2: automated an email to go out to our customer or 848 00:41:30,200 --> 00:41:32,960 Speaker 2: our client that goes, heybeck, like we would love it 849 00:41:33,000 --> 00:41:34,799 Speaker 2: if you would leave us a review. And just like 850 00:41:35,080 --> 00:41:39,640 Speaker 2: stuff like that saves us so much time and it's 851 00:41:39,719 --> 00:41:41,960 Speaker 2: like one and done, like you just write it the 852 00:41:42,000 --> 00:41:45,000 Speaker 2: first time, and then we upload it and like tweak 853 00:41:45,040 --> 00:41:47,960 Speaker 2: it all make sure that it like feels personal. Like 854 00:41:48,000 --> 00:41:51,600 Speaker 2: there are things that can be automated. So yeah, maybe 855 00:41:51,719 --> 00:41:55,440 Speaker 2: email automation is genuinely like such a time saver. The 856 00:41:55,520 --> 00:41:59,400 Speaker 2: same thing for like onboarding of new clients Fishies on 857 00:41:59,440 --> 00:42:01,239 Speaker 2: the Money, Right, So, like if you sign up on 858 00:42:01,280 --> 00:42:03,279 Speaker 2: our website to get a free thing like all of 859 00:42:03,320 --> 00:42:07,200 Speaker 2: those emails that you get automated with your downloadable, Like 860 00:42:07,280 --> 00:42:10,160 Speaker 2: I don't have to send it to you because you're 861 00:42:10,160 --> 00:42:12,360 Speaker 2: like you're dming me being like hey, can I please 862 00:42:12,400 --> 00:42:15,440 Speaker 2: have that spreadsheet? Like that would be an admin nightmare. 863 00:42:15,719 --> 00:42:20,920 Speaker 2: We've automated it. And then also just like automation of experience. Yeah, 864 00:42:20,960 --> 00:42:24,000 Speaker 2: so like as I said, before, you know, you join 865 00:42:24,040 --> 00:42:26,400 Speaker 2: the Shee's on the Money mailing list, You're going to 866 00:42:26,440 --> 00:42:29,200 Speaker 2: get an automated email. I promise. I've put a lot 867 00:42:29,239 --> 00:42:31,640 Speaker 2: of love into it. But it's going to set the expectations. 868 00:42:31,920 --> 00:42:35,000 Speaker 2: It's going to outline exactly who we are, what we do, 869 00:42:35,200 --> 00:42:37,680 Speaker 2: what you can expect from us. And I think that 870 00:42:37,680 --> 00:42:39,840 Speaker 2: that is something that a lot of businesses don't do 871 00:42:39,880 --> 00:42:42,239 Speaker 2: because they go i'll do it later, I'll do it later. 872 00:42:42,320 --> 00:42:45,239 Speaker 2: But it's so easy and add so much value and 873 00:42:45,440 --> 00:42:48,880 Speaker 2: ultimately makes us more money. Like, let's be honest, Like, 874 00:42:49,160 --> 00:42:51,480 Speaker 2: the more engage your community, the more they feel like 875 00:42:51,680 --> 00:42:54,319 Speaker 2: you are communicating with them, the more sales you are 876 00:42:54,360 --> 00:42:54,879 Speaker 2: going to get. 877 00:42:55,040 --> 00:42:58,840 Speaker 4: So to be blunt, automation cool. Okay, Okay, time is money. 878 00:42:58,920 --> 00:43:02,000 Speaker 2: Well, I mean I do think so, and automation means 879 00:43:02,000 --> 00:43:04,520 Speaker 2: that money can be made when you're not spending your time. 880 00:43:05,280 --> 00:43:07,120 Speaker 2: That's fantastic. Let's end there. 881 00:43:07,280 --> 00:43:09,799 Speaker 4: Yeah, fantastic place to end it. Thank you so much, 882 00:43:09,880 --> 00:43:13,240 Speaker 4: VIDI so thank you so much for sharing the behind 883 00:43:13,280 --> 00:43:15,640 Speaker 4: the scenes. Again, It's always such a great chat with some. 884 00:43:15,600 --> 00:43:17,680 Speaker 2: Of you feel like it goes really rogue because you 885 00:43:17,719 --> 00:43:20,000 Speaker 2: have really long lists of questions and then I yap 886 00:43:20,080 --> 00:43:21,839 Speaker 2: for too long and you're like, Victoria, I didn't get 887 00:43:21,880 --> 00:43:24,040 Speaker 2: to ask all my questions, and I'm like, well, I'm 888 00:43:24,080 --> 00:43:27,319 Speaker 2: not sorry. But if people are super excited about, you know, 889 00:43:27,640 --> 00:43:30,239 Speaker 2: small business and talking about what happens and like even 890 00:43:30,280 --> 00:43:34,120 Speaker 2: if you're interested in automation. I actually did a YouTube 891 00:43:34,120 --> 00:43:36,400 Speaker 2: series recently, which is new for me. I don't do 892 00:43:36,440 --> 00:43:38,360 Speaker 2: a lot of video and if you guys don't go 893 00:43:38,400 --> 00:43:39,759 Speaker 2: and watch it, I won't be doing a lot of 894 00:43:39,840 --> 00:43:42,879 Speaker 2: video in the future. But I did a YouTube video 895 00:43:42,920 --> 00:43:45,359 Speaker 2: with a company called Constant Contact, and they have been 896 00:43:45,719 --> 00:43:48,400 Speaker 2: honestly fantastic to work with. You know, those people that 897 00:43:48,440 --> 00:43:50,600 Speaker 2: you just like vibe with, yeah, and you connected with 898 00:43:50,640 --> 00:43:53,400 Speaker 2: and you're like, I like you guys, and their product 899 00:43:53,440 --> 00:43:55,920 Speaker 2: is elite, so it's so easy not going to lie 900 00:43:56,040 --> 00:43:57,719 Speaker 2: to work with them. So I'll link that in the 901 00:43:57,719 --> 00:44:00,279 Speaker 2: show notes. But that's a lot about like small business, 902 00:44:00,480 --> 00:44:03,160 Speaker 2: setting up your email system, like how to actually add 903 00:44:03,280 --> 00:44:05,759 Speaker 2: value to your community, and like it goes back to 904 00:44:06,640 --> 00:44:09,000 Speaker 2: honestly a lot about brand, you know how we're talking 905 00:44:09,000 --> 00:44:11,720 Speaker 2: about the difference between a business and a brand before, 906 00:44:11,960 --> 00:44:15,080 Speaker 2: Like building a brand is really hard and there are 907 00:44:15,160 --> 00:44:17,000 Speaker 2: lots of things that you need to kind of like 908 00:44:17,200 --> 00:44:19,399 Speaker 2: make sure you're focusing on. So we've tried to add 909 00:44:19,400 --> 00:44:22,360 Speaker 2: heaps of value in those videos, So make sure that 910 00:44:22,400 --> 00:44:24,600 Speaker 2: they're in the show notes. But we've also got a 911 00:44:24,719 --> 00:44:29,040 Speaker 2: heap more small business content coming up with them, because yeah, 912 00:44:29,080 --> 00:44:31,160 Speaker 2: I just feel like I vibe with these guys and 913 00:44:31,160 --> 00:44:33,480 Speaker 2: they were like, would you do some like small business 914 00:44:33,480 --> 00:44:36,719 Speaker 2: stuff with us? Absolutely say less, yeah, heck yeah. As 915 00:44:36,760 --> 00:44:39,319 Speaker 2: you learned from this episode, born to yap about small 916 00:44:39,360 --> 00:44:40,520 Speaker 2: business haha. 917 00:44:40,840 --> 00:44:43,240 Speaker 4: If you love today's episode, make sure you're following the show, 918 00:44:43,440 --> 00:44:45,399 Speaker 4: leave us a review and send us to someone who's 919 00:44:45,400 --> 00:44:48,399 Speaker 4: sitting on a side hustle but needs a nudge. Will 920 00:44:48,440 --> 00:44:51,279 Speaker 4: be back next week, and yes, the How Victoria Got 921 00:44:51,320 --> 00:44:53,120 Speaker 4: out of Debt episode is still on the list. 922 00:44:53,239 --> 00:44:55,920 Speaker 2: Don't you worry, We'll see you again on Friday. 923 00:44:56,160 --> 00:45:04,520 Speaker 3: By Guys the If by shared on She's on the 924 00:45:04,560 --> 00:45:07,319 Speaker 3: Money is general in nature and does not consider your 925 00:45:07,320 --> 00:45:11,759 Speaker 3: individual circumstances. She's on the Money exists purely for educational 926 00:45:11,800 --> 00:45:14,440 Speaker 3: purposes and should not be relied upon to make an. 927 00:45:14,280 --> 00:45:16,000 Speaker 2: Investment or financial decision. 928 00:45:16,440 --> 00:45:18,879 Speaker 3: If you do choose to buy a financial product, read 929 00:45:18,880 --> 00:45:22,240 Speaker 3: the PDS TMD and obtain appropriate financial. 930 00:45:21,800 --> 00:45:23,600 Speaker 2: Advice tailored towards your needs. 931 00:45:23,960 --> 00:45:27,920 Speaker 3: Victoria, Divine and She's on the Money are authorized representatives 932 00:45:27,960 --> 00:45:32,080 Speaker 3: of Money. Sheper pty LTD ABN three two one six 933 00:45:32,160 --> 00:45:36,040 Speaker 3: four nine two seven seven zero eight AFSL four five 934 00:45:36,120 --> 00:45:38,360 Speaker 3: one two eight nine